Consumer Loan Application

 
Individual Unsecured Credit   Joint Maker Unsecured Credit   Individual Secured Credit   Joint Maker Secured Credit
Loan Purpose Amount Term Rate
New/Used Year Make Model
Mileage pwr win    pwr loc    a/c    automatic    tilt  
cyl # Doors

Cash Price

Down Payment
Trade In
Cash Down
Unpaid Balance to Finance
  
Name (Last, First, Middle)
Birthday
Phone
SSN
Present Address
City
State
Zip
Years There
# Dependants
Employer Name
Employer Address
Employer Phone
Position
# Years There
Other Income / Mo.
Other Income Source
Residence Rent  Own  Other
Residential Payment / Mo.
Payable To
Bank Account Carried At
Type of Account Checking  Savings

 

Joint Application:  Complete this section only if joint applicant will be contractually liable of repayments or if applicant is relying on the joint applicant as a basis for repayment.  If applicant is relying on alimony, child support or separate maintenance income as basis for repayment, complete joint applicant section as a payer.  Payer signature not required.  
Name (Last, First, Middle)
Birthday
Phone
SSN
Present Address
City
State
Zip
Years There
# Dependants
Employer Name
Employer Address
Employer Phone
Position
# Years There
Other Income / Mo.
Other Income Source
Residence Rent  Own  Other
Residential Payment / Mo.
Payable To
Bank Account Carried At
Type of Account Checking  Savings

List all creditor's and credit references (including payment of alimony or child support)
Creditor's Name Acct. No. Payment/Mo. Balance For What

Name and Address of nearest relative not living with you
Phone Number
Relationship
Are you a co-maker, endorser, or guarantor on any loan or contract?  Yes  No
If yes, for whom?
Are there any unsatisfied judgments against you?  Yes  No
If yes, to whom owed?
Have you been declared bankrupt in the last 14 years?  Yes  No
If yes, where and year?
Other obligations (e.g. liability to pay alimony, child support, etc)
Secured Credit (Only if credit is to be secured) Briefly describe the property to be given as security.

Financial Privacy Resolution

Whereas Community Bank of the Ozarks recognizes its customers’ expectations of financial privacy; and whereas preserving our customers’ trust is one of the core values of our bank and the broader banking community; we therefore resolve to abide by the following guidelines for responsible use and protection of our customers’ information:

We will always value the trust of our customers and the importance of keeping their personal financial information confidential.  We will provide our customers with our policy on using their personal financial information responsibly and protecting it.  We will hold our employees to the highest standard of conduct in ensuring the confidentiality of customer information.  We will hold any personal medical information about our customers sacred and will NOT use it for marketing purpose or in making credit decisions.  We will use information responsibly in order to provide our customers with significant benefits, including fraud prevention, improved products and services and to comply with laws.  We will establish procedures to maintain accurate information and respond in a timely manner to our customers’ request to change or correct information.  We will use a combination of safeguards to protect our customers against the criminal use of their information and to prevent unauthorized access to it.  We will offer our customers the option of restricting information shared with third parties for marketing purpose and honor their preferences.  We will require the companies we do business with to abide by our privacy policy to maintain the confidentiality of our customers’ information.  We will not provide account numbers to companies outside of Community Bank of the Ozarks for marketing purposes.  

I do not wish for Community Bank of the Ozarks to disclose my/our nonpublic personal information to third parties.  
I do wish for Community Bank of the Ozarks to disclose my/our nonpublic personal information to third parties.  

 

Important Information About Our Insurance Sales Practices

The insurance product you may apply for is:  (1) not a deposit or obligation of, or guaranteed by, Community Bank of the Ozarks or an affiliate of Community Bank of the Ozarks and (2) not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States Community Bank of the Ozarks or an affiliate of Community Bank of the Ozarks.

Community Bank of the Ozarks Bank will not condition the approval of your loan application on your purchase of any type of insurance product from Community Bank of the Ozarks or any of our affiliates.

If you choose to purchase an insurance product, you may do so from any insurance producer.

I/we have read this disclosure, and understand its contents, as evidenced by my/our signature(s) below.  Unless these disclosures are provided electronically or I have applied for credit by mail, I also acknowledge that you have provided to me these disclosures orally.  I/we understand that this acknowledgement will be made a permanent part of my/our loan application.

Everything that I have stated in this application is correct to the best of my knowledge.  I understand that you will retain this application whether or not it is approved.  You are authorized to check my credit and employment history and to answer questions about your credit experience with me.

Borrower's Signature Date
Other Signature Date

 

 

Collateral Analysis

Auto Yr. Make:
Model Mileage
Retail Value Trade In
Source LTV
 

Credit Analysis

A. Payment on proposed credit
B. Consumer Debt Payments
C. Total Debt (A+B)
D. Gross Monthly Income
Total Debt (C) / Gross Monthly Income (D) = **
**Debt to Income Ration should not exceed 39%