LOAN APPLICATION CERTIFICATION: Everything that I have stated in this application
                        is correct to the best of my knowledge. I understand that this application will
                        remain your property and you will retain it whether or not this application is
                        approved.
                    
                
                        This application is submitted to obtain credit. You are authorized to check my
                        employment history and to ask questions about my credit experiences. Without
                        limiting the foregoing, I authorize you to make inquiries (including requesting
                        reports from consumer credit reporting agencies and other sources) to verify my
                        identity and determine my eligibility for credit, and subsequently in connection
                        with any extension of credit, update, renewal, review or collection of my account
                        or for any other legal purpose. I understand that, on my request, you will tell
                        me whether or not you requested a credit report and the names and addresses of
                        any credit bureaus that provided you such reports. I also authorize you to
                        release information to others about my history with you. I understand that you
                        may report information about my account to credit bureaus. Late payments, missed
                        payments, or other defaults on my account may be reflected in my credit report.
                    
                
                        STATE LAW DISCLOSURES: CA Residents: Regardless of your marital status,
                        you may apply for credit in your name alone. If this is a joint account, after
                        credit approval each applicant has the right to use this account to the extent
                        of any credit limit set by the creditor, and each applicant may be liable for
                        all amounts of credit extended under this account to any joint applicant.
                        DE and MD Residents: Service charges not in excess of those
                            permitted by law will be charged on the outstanding balances from month to
                            month. NY Residents: New York residents may contact the New York
                        State Banking Department (1-800-342-3736) to obtain a comparative listing of
                        credit card rates, fees, and grace periods. OH Residents: The Ohio laws
                        against discrimination require that all creditors make credit equally available
                        to all credit worthy 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. Married WI Residents:
                        No provision of a marital property agreement, a unilateral statement under
                        section 766.59, or a court decree under section 766.70 adversely affects the
                        interest 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 credit is
                        incurred.