Credit History Authorization

You hereby authorize Ridgedale Federal Credit Union (the “Credit Union”) to request and obtain, on a regular and recurring basis until such time as you terminate the services you obtain from the Credit Union: (a) information about you from various federal, state, and other agencies; (b) information about you maintained in public or private record sources; (c) credit histories maintained by various credit bureaus, ratings agencies, or consumer reporting agencies; (d) information on previous contractual engagements and relationships; and (e) criminal background information, if applicable, as well as other past experiences, all as determined by the Credit Union. You acknowledge and agree that the Credit Union is permitted to use this information in connection with validating your identity and preparing and providing you with the Credit Union’s services, including taking an application and underwriting a loan, and if approved, originating and servicing a loan. The Credit Union does not undertake any responsibility to monitor your credit for activity, identity theft, or any other actions. You are expressly providing written instructions (as provided in the Fair Credit Reporting Act) to the Credit Union authorizing the Credit Union to obtain information about your personal credit profile or other information from one or more consumer reporting agencies, such as Equifax®, Experian®, and TransUnion®. You agree you will provide current, complete, and accurate information about you.

You agree not to assert any claims or causes of action against the Credit Union, its servicers, service providers, agents, employees, or any individuals contracted by the Credit Union, arising out of the Credit Union’s request and receipt of your credit history information. The Credit Union agrees to use any information collected herein for investigatory, modeling, analysis, due diligence, and provision of any services provided by the Credit Union (and any related purposes).

You authorize the Credit Union to obtain consumer reports or related credit history information throughout your relationship with the Credit Union, from time to time, as necessary to provide you with the services.

By checking the box “Submit Loan Application” below to indicate your acceptance to this Credit History Authorization, you will electronically sign this Credit History Authorization. You certify and agree to the terms contained in this Credit History Authorization and also acknowledge receipt of a copy of this Credit History Authorization, which was provided to you electronically, and in paper form, if you so request.