TELL US ABOUT YOURSELF

Swartzendruber Hardwood Creations Credit Application
NOTE: Use the tab key to move between fields. All fields are required to submit form.

TELL US ABOUT YOURSELF

First Name	Last Name	Social Security Number	Home Phone

Address (Number, Street, City, State, Zip Code)	County	Years/Months	Birth Date

Mother's Maiden Name	Marital Status	Own, Rent, Land Contract, Other?	Year Purchased

Monthly Payment	Purchase Price	Original Mortgage Amount	Balance due on Mortgage	Estimated Market Value

Mortgage Holder/Landlord	Previous Address (If current address less than 5 years)	Years/Months

TELL US ABOUT YOUR JOB

Employer Name	Address (Number, Street, City, State, Zip Code)

Years/Months	Occupation	Business Phone	Gross Monthly Pay	Other Gross Monthly Pay

Source of Other Income	Previous Employer (If current is less than 5 years)	Years/Months

Is either applicant obligated to make monthly alimony, child support or maintenance payments?	Yes or No	How Much Longer	Monthly Amount

Has either applicant ever been adjudged, bankrupt or have any judgments, repossessions, garnishments or other legal proceedings ever been filed against either of you?	Yes or No	List Proceedings

Is either applicant liable on debts not shown or has either of you obtained credit under any other name?	Yes or No	Under What Name(s)?

Is any income listed above likely to be reduced before the credit request is paid off?	Yes or No

Should your application for a VISA platinum or VISA Gold not be approved, this request constitutes your application for a VISA Classic card. You agree to be bound by the terms of the credit card agreement that will be sent with the card.
If you are applying for overdraft protection, you authorize Bank, if it approves this Application, to authorize a line of credit and add it to your personal checking account, and you agree to be bound by the terms and conditions of the overdraft account Agreement.

If you applied for an Equity Reserve, you acknowledge receipt of a copy of the disclosure statement entitled, "Important Terms of Our Equity Reserve Line of Credit" and a copy of the booklet entitled "What You Should Know About Equity Lines of Credit," and further acknowledges that these disclosures do not constitute a commitment to lend on these or any terms.

You represent that all information in the application is accurate and complete, that you are competent to enter into contracts and that no bankruptcy proceeding is in progress or anticipated which involves you and that no additional applications for credit with another lender have recently been submitted or will be submitted or will be submitted by you prior to our consideration of this application. We are not obligated to grant you credit, and we may retain this application whether or not credit is granted. You agree to pay all fees in connection with this application and such fees are not a guarantee that a loan will be approved and are not refundable to the extent permitted by law. You authorize us to obtain information from others concerning your credit standing and other relevant information impacting on this application and to provide to others information about our experience with you. Except as otherwise prohibited by law, you agree and consent that Bank and its affiliates (collectively "National City") may share with affiliates all information about you that National City has or may obtain for, among other things, the purposes of evaluating credit applications or offering you products or services including insurance products that National City believes may be of interest to you. Under the Fair Credit Reporting Act there is certain credit information that cannot be shared if you tell Bank by writing to National City P.O. Box 94985, Cleveland, Ohio 44101-4985 including your name, address, Line/Loan number and social security number.

If you sign this application in Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

If you sign this application in California:

A married applicant may apply for a separate account.  As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

If we take any adverse action as defined by Section 1785.3 of the California civil code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished us your consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis.  You have the right as described by Section 1785.16 of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency.

If you are applying for credit to be secured by real estate you are not required to obtain hazard insurance coverage against risks to improvements on the property in an amount that would exceed the replacement value of the improvements on the property.

If you sign this application in Maine:

A consumer report may be requested in connection with his application.  Upon request, you will be informed whether or not a consumer report was requested, and if a report was requested, informed of the name and address of the consumer reporting agency that furnished the report.

If you sign this application in New Jersey:

THE INTERESTS OF THE APPLICANT(S) AND THE LENDER ARE OR MAY BE DIFFERENT AND MAY CONFLICT.  THE LENDER�S ATTORNEY REPRESENTS ONLY THE LENDER AND NOT THE APPLICANT(S).  THE APPLICANT(S) IS ADVISED TO EMPLOY AN ATTORNEY OF ITS CHOICE WHO IS LICENSED TO PRACTIVE LAW IN THIS STATE TO REPRESENT THE APPLICANT(S) INTERESTS.

If you sign this application in New York:

A consumer report may be requested in connection with his application.  Upon your request, you will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report.  Subsequent consumer reports may be requested or utilized in connection with an update, renewal or extension of the credit for which application was made.

If you sign this application in Rhode Island and are applying for credit to be secured by real estate:

You must disclose to us below whether you have been convicted of any degree of the crime of arson as described in chapter 4 of title 11 of the General Laws of Rhode Island within ten (10) years prior to the date of this application.  Failure to disclose a conviction of arson carries a criminal penalty.  Describe 9if none, leave blank):

If you sign this application in Rhode Island:

A credit report may be requested in connection with this application.

If you sign this application in Utah:

You acknowledge that any fees paid in connection with this application are not refundable.  As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

If you sign this application in Vermont:

You authorize National City to obtain credit reports about you now and in the future for all legitimate purposes associated with this application or the account including, but not limited to:  (a) evaluating this application; and (b) renewing, reviewing, modifying, and taking collection action on your account.

If you sign this application in Wisconsin:

For married Wisconsin residents, your signature confirms that this loan obligation is being incurred in the interest of your marriage or family.  No provision of a marital property agreement, a unilateral statement under Section 766.59 of the Wisconsin Statutes or a court decree under Section 766.70 of the Wisconsin Statutes adversely affects the interests of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.  If the loan for which you are applying is granted, your spouse will also receive notification that credit has been extended to you.

Credit Insurance Disclosure

Credit insurance is not a deposit or other obligation of, or guaranteed by, National City Bank or its affiliates and is not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States or by National City Bank or its affiliates.  National City Bank may not condition the extension of credit you are applying for on either: i) your purchase of an insurance product from National City Bank or any of its affiliates; or ii) your agreement not to obtain, or a prohibition on your obtaining, an insurance product from an entity not affiliated with National City Bank.  Your choice of an insurance provider will not affect National City Bank�s credit decisions or credit terms in any way.

Please place your initials in the following box if you have read and understand the above

statements, and agree that the information provided is accurate to the best of your knowledge.