Credit Union regulations require that applicants be within our member service area.
I / We undersigned, authorize Visions Federal Credit Union to perform a credit investigation and / or obtain a credit report from a Consumer Reporting
Agency. Upon written request, the nature and scope of this investigation, if one is made, will be disclosed to me / us. I / We represent, warrant and
affirm that all of the statements made by me / us in this application are true and correct and have been made by me / us to induce you to grant this loan with
knowledge that you will rely thereon. It is agreed that this application and credit information is for the sole use of the Credit Union and shall remain
their property whether or not the loan is granted. I hereby acknowledge that I have received a copy of this credit application.
If your business had gross revenues of $1,000,000 or less in the previous fiscal year and the loan for which you have applied is not granted, you have the right
within 60-days of receiving the Credit Union's notification of your denial, to request a written statement detailing the specific reasons why your request was denied.
Your request should be directed to VISIONS FEDERAL CREDIT UNION, 1 Credit Union Plaza, 24 McKinley Avenue, Endicott, NY 13760; attn: Commercial Loan Officer phone number 607.786.2000.
This statement will be sent to you within 30 days of receipt.
You should know that: 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 the applicant has the capacity to enter into a binding contract); 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 administers compliance with this law is the National Credit Union
Administration: 9 Washington Square; Washington Avenue Ext., Albany, NY 12205.