Please read the disclosure information below.
I/We hereby certify that all statements made are true and complete, are submitted for the purpose of obtaining credit, and that the lender may rely on them for the determination of creditworthiness.
I/We authorize you to obtain such information as you may require concerning the statements made in this loan application, agree that the application shall remain your property, and you are authorized to answer questions about your credit experience with me/us.
By checking the checkbox and clicking the [Submit] button, the applicant(s) authorizes this loan application to be processed by the lender including but not limited to, obtaining the applicant(s) credit history, contacting employer(s) to verify employment, verifying income and assets, and verifying the accuracy of statements contained therein.
If my application is approved, I agree to be bound by the terms and conditions disclosed in the consumer loan agreement and disclosure(s) which will be sent to me and authorize the lender to share experience on this account with the consumer credit reporting agencies.
We recognize the trust you have placed in us to keep your information secure and confidential. Keeping your information secure is one of our most important responsibilities. We want you to understand what information we collect and how we use it.
In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. We consider all public and non-public personal information we gather about you as "private personal information".
What Information We Collect:
We collect and use various types of information to service your accounts, save you time and money and better understand your needs. Customer information we collect is categorized into the following types:
>>Information you provide to us on applications or other loan and account forms, such as your name, address and social security number.
>>Information we receive from a consumer-reporting agency, such as information regarding your creditworthiness or credit history, as authorized.
>>Information about your transactions and account experience, such as your account balance, payment history, or information about our communication with you, such as a request for a copy of a check and our response.
Our Security Procedures
We take steps to safeguard customer information. Our policy is to restrict access to your private personal account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your private personal information.
What Information We Disclose:
We do not disclose any private personal information about you to anyone, except as permitted or required by law. We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We may also disclose information described above to financial institutions with which we have agreements to endorse or sponsor a financial service.
US Patriot Act Notice
(Important information about procedures for opening a new account)
Amarillo National Bank complies with section 326 of the USA PATRIOT act. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account such as name, address, date of birth and taxpayer identification. We may ask to see your driver's license or other identifying documents.
Credit Life Insurance Disclosure:
Credit Life/Disability Insurance is not required to obtain credit.
If you wish to purchase Credit Life/Disability Insurance, you do not have to buy it from Amarillo National Bank.