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Commercial Credit Application

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. An account includes: Investments, Safe Deposit, Loans and Deposit Accounts.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents. In some cases, identification will be requested for those banking with The First prior to October 1, 2003 because original documentation was not obtained with the opening of the account. In all cases, protection of our customer's identity and confidentiality is the Bank's pledge to you.

The identity information is not being obtained for credit decision purposes.

* indicates a required field
Application Information

Applying For:

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Borrower
Present Address
Number of Years at this address:
Former Address
Number of Years at this address:

Marital Status*

Do not complete if this is an application for individual unsecured credit.

Dependents other than listed by Co-Borrower

Employer Information
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Co-Borrower
Present Address
Number of Years at this address:
Former Address
Number of Years at this address:

Marital Status*

Do not complete if this is an application for individual unsecured credit.

Dependents other than listed by Co-Borrower

Employer Information
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Income

NOTICE – Alimony, child support, or separate maintenance income need not be revealed if the Borrower or Co-Borrower does not choose to have it considered as a basis for repaying this obligation.

Gross Monthly Income


Base Empl. Income

Base Empl. Income

Overtime

Overtime

Bonuses

Bonuses

Commissions

Commissions

Dividends/Interest

Dividends/Interest

Net Rental Income

Net Rental Income

Other+

Other+
(Before completing, see notice under "Describe Other Income" below)

Total Income

Total Income

Monthly Housing Expenses


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Describe Other Income

NOTICE – Alimony, child support, or separate maintenance income need not be revealed if the Borrower or Co-Borrower does not choose to have it considered as a basis for repaying this obligation.

ITEM
MONTHLY AMOUNT
Item #1
Item #2
Item #3
Item #4
Item #5
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Previous Employment
Employment Info #1 (required)
Employment Info #2
Employment Info #3
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Additional Questions

These questions apply to both borrowers

Have you any outstanding judgments?

Borrower
Co-borrower

In the last 14 years, have you been bankrupt?

Borrower
Co-borrower

Have you had property foreclosed upon or given title or deed in lieu of?

Borrower
Co-borrower

Are you a co-maker or endorser on a note?

Borrower
Co-borrower

Are you a party in a law suit?

Borrower
Co-borrower

Are you obligated to pay alimony, child support, or separate maintenance?

Borrower
Co-borrower
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Assets
Account #1

(List checking and savings accounts)


Account #2

(List checking and savings accounts)


Account #3

(List checking and savings accounts)


Account #4

(List checking and savings accounts)


Account #5

(List checking and savings accounts)


Stocks & Bonds

(Company name/number & description)


Life Insurance

(Face amount)


Subtotal Liquid Assets

Subtotal Liquid Assets


Real Estate

Real Estate owned
(enter market value from schedule of real estate owned)


Vested Interest in Retirement Funds

Vested interest in retirement fund


Businesses

Net worth of business(es) owned (attach financial statement)


Automobiles owned (make and year)

Automobile 1
Automobile 2
Automobile 3

Other Assets

(itemize)


Total Assets

Total Assets a.

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Liabilities

Liabilities and Pledged Assets. List the creditor's name, address and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary.

Liability #1

Liability #2

Liability #3

Liability #4

Liability #5

Liability #6
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Schedule of Real Estate Owned
Real Estate Property #1

Real Estate Property #2

Real Estate Property #3
Totals
Totals
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Credit References
Credit Reference #1 (required)
Credit Reference #2
Credit Reference #3
Credit Reference #4

Additional References

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