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									                                            FEDERAL CONSUMER CREDIT DISCLOSURES
CREDIT DISCLOSURES: An insurance product or annuity may be offered to you. If you purchase an insurance product or an annuity: (1) The
Insurance product or annuity is not a de&Osit or other obligation of. or guaranteed by. this institution or our affiliate(s); (2) With excepti on
of Federal Flood Insurance or Federal rop Insurance, the insurance product or annuity is not insured by the Federal Deposit Insurance
Corporation or any other agency of the United States , this institution, or our affiliate(s); and (3) In the case of an insurance prod uct or
annuity Ihat Involves an investment risk, there is investment risk associated with the insurance product, including the ,6ssible loss of
value. II an insurance product or annuity is offered we cannot condition an extension of credit on either of the following: (1 Your purchase
of an insurance product or annuity from us. or any of our affiliates; or, (2) Your agreement not to obtain, or a prohibiti on on you from
obtaining, an insurance product or annuity from an unaffiliated entity.

                                                              University Bank 

                                                             Pittsburg, Kansas 

                                            INOTICE OF NEGATIVE INFORMATIONI

         Federal law requires us to provide the following notice to customers before any "negative information" may be
         furnished to a nationwide consumer reporting agency. "Negative information" means information concerning
         delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be
         reporting such information about you, only that we may report such information about customers that have not
         done what they are required to do under our agreement.

         After providing this notice, additional negative information may be submitted without providing another notice.

         We may report information about your account to credit bureaus. Late payments, missed payments, or
         other defaults on your account may be reflected in your credit report.

                                         BEFORE RETURNING YOUR APPLICATION:
             o    Is all information on your application complete?
             o    Did all applicants sign & date your application?
             o    Do all applicants have a current photo ID?
             o    Do you have your W-2 or most recent paystub for each applicant?
             o    If this is an auto loan, do you have your Bill of Sale or Registration with mileage noted?
             o    If this is an auto loan, do you have a copy of your insurance?
             o    If this is a CD loan, do you have your original Certificate of Deposit?

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