State Law Disclosure - WPCU

FEDERAL NOTICES
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT If applicable to your credit transaction, to help the government fight
the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each
person who opens an account. What this means for you: When you open an account, you will be asked for your name, address, date of birth, and other
information to identify you. You may also be asked to see your driver's license or other identifying documents.
STATE NOTICES
California Residents: An applicant, if married, may apply for a separate account.
Maine and Tennessee Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of the contract. You may
purchase required insurance through any insurance agent or broker and from any insurance company that is reasonably acceptable to us. You are not required
to deal with any of our affiliates when choosing an agent, broker or insurer. Your choice of a particular insurance agent, broker or insurer will not affect our credit
decision, so long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements.
New Hampshire Residents: If you are applying for a balloon payment contract, you are entitled, if you ask, to receive a written estimate of the monthly
payment amount for refinancing the balloon payment in accord with the creditor's existing refinance programs. You would be entitled to receive the estimate before
you enter into a balloon payment contract. A balloon contract is an installment sales contract with a final scheduled payment that is at least twice the amount
of one of the earlier scheduled equal periodic installment payments.
New York Residents: In connection with your application for credit, a consumer report may be obtained from a consumer reporting agency (credit bureau). If
credit is extended, the party or parties extending credit or holding such credit may order additional consumer reports in connection with any update, renewal
or extension of the credit. If you ask, you will be told whether a consumer report was requested and, if so, the name and address of any consumer reporting
agency (credit bureau) from which such credit report was obtained.
Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all 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.
Rhode Island Residents: Consumer reports may be requested in connection with this application. Buyer has the right of free choice in selecting an insurer to
provide insurance required in connection with this transaction subject to our reasonable approval in accordance with applicable law.
Vermont Residents: You authorize us and any financial institution with which this credit application is shared, and each of their respective employees or agents,
to obtain and verify information about you (including one or more credit reports, information about your employment and banking and credit relationships) that
they may deem necessary or appropriate in evaluating your credit application. If your credit application is approved and credit is granted, you also authorize the
parties granting credit or holding your account, and their respective employees and agents, to obtain additional credit reports and other information about you in
connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate
purpose.
Married Wisconsin Residents: No provision of any marital property agreement, any unilateral statement under Wis. Stat§ 766.59 or any court decree under§
766.70 applied to marital property adversely affects our interest unless you furnish a copy of the agreement, statement, or court decree or we have actual
knowledge of such adverse provision before credit is granted. If you are making this credit application individually and not jointly with your spouse, complete
Section A about yourself and Section B about your non-applicant spouse. Your non-applicant spouse should not sign the credit application if you are applying for
individual credit.
Wright-Patt Credit Union, Inc. | 3560 Pentagon Boulevard | Beavercreek, Ohio 45431
(937)912-7000 | (800)762-0047 |TTY (800)750-0750 | www.wpcu.coop
Federally Insured by NCUA 0922

State Law Disclosure - WPCU

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FEDERAL NOTICES

Federally Insured by NCUA 0922

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