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PLEASE READ THE FOLLOWINGLoan Application NoticeThis application is intended for current customers, or those moving to our market area who will be banking with us. (If you will be relocating to our area, please advise us in the comment section on the application.) You must be 18 or older to fill out our online application. We respect your right to information privacy. Check out our Privacy Statement. If this does not apply to you, please be advised that we are not currently lending out of our market area. If you apply in error, we may automatically access your credit record. Some lenders deny credit due to excessive inquiries and submitting this without meeting the above requirement may reflect poorly if you apply elsewhere in the near future. There is a $50 annual fee for the Easy Access Line of Credit. Warning, misrepresentation of your assets in a credit transaction could result in a violation of Federal Law. (Sec. 18 USC. 1014) "Easy Access Line of Credit"If your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact West Suburban Bank at the above address within 60 days from the date you are notified of our decision. We will send you a written statement of reason for denial within 30 days of receiving your request for the statement.If we obtain information from a consumer reporting agency as part of our consideration of your application, its name, address and toll-free number will be disclosed with the credit decision. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have the right under the Fair Credit Reporting Act to know the information obtained in your credit file at the consumer reporting agency. You also have a right to receive a free copy of your report from the credit reporting agency, if you request it no later than 60 days after you are notified of the action taken. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the credit reporting agency. If residential property (defined as a residential structure that contains one to four units) is offered as security for this loan request and an appraisal or evaluation report is used in connection with this application for credit, you have the right to receive a copy of such report. If you wish to receive a copy, please contact West Suburban Bank at the above address within 90 days after we notify you of the action taken on your credit request or you withdraw your request. NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contact); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administer compliance with this law concerning this creditor is: FDIC Consumer Response Center 2345 Grand Boulevard, Suite 100 Kansas City, MO 64108 (877) 275-3342 BY SELECTING "I AGREE" BELOW, I CERTIFY THAT I AM A CURRENT CUSTOMER OF THE BANK, OR THAT I DO OR WILL RESIDE IN THE BANK'S MARKET AREA.I AGREE
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