Auto Loan Checklist Bank of Whittier

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Auto Loan Checklist Bank of Whittier Powered By Docstoc
					                                       Auto Loan Checklist
To ensure a prompt response to your request for credit, please provide the following information.

   1.    Signed Auto Loan Application (attached)
   2.    Signed Form 4506-T (attached)
   3.    Signed Form W-9 (attached)
   4.    Fair Lending Notice (attached)
   5.    Equal Credit Opportunity Act (attached)
   6.    Privacy Notice (attached)
   7.    Copy of Driver License(s)
   8.    Copy of Checking and/or Saving Account Statement(s)
   9.    Copy of Purchase Contract
   10.   2011 Signed Personal Tax Return
   11.   3-months Pay Stub
   12.   Copy of Auto Insurance
   13.   Resume

After completion, please fax the above requested documents to us at (562) 945-5031 or mail to Bank of Whittier,
N.A. attn: Credit Department at 15141 E. Whittier Blvd., Whittier, CA 90603.

_______________________                              _________________________
Applicant                                            Co-applicant

Date:___________________                             Date:_____________________

                                                                                         BOW - Auto Loan Application 3/15/2012
                                              Auto Loan Application


LOAN AMOUNT: _____________________________________                          LOAN TERM: _________________________________


First Name __________________________         Middle Initial ____________       Last Name ________________________________

Social Security Number _____________________ Date of Birth (MM/DD/YY) __________________ Place of Birth _______________

Legal Status: □ US Citizen □ Permanent Resident □ Other _______________ Driver License Number _______________ State _________

Current Street Address (PO and APO boxes are not valid) _________________________________________________________________

City ___________________________________         State _______________        Zip Code ___________________________________

Residential Status: □ Rent   □ Home Owner    Time at Residence: _______years ________ months       Monthly Rent ____________

Cell Phone __________________________ Home Phone __________________________ Work Phone __________________________

Fax Number _____________________ Email Address ___________________________ Education _____________________________

First Name __________________________         Middle Initial ____________       Last Name ________________________________

Social Security Number _____________________ Date of Birth (MM/DD/YY) __________________ Place of Birth _______________

Legal Status: □ US Citizen □ Permanent Resident □ Other ________________ Driver License Number _______________ State _________

Current Street Address (PO and APO boxes are not valid) _________________________________________________________________

City ___________________________________         State _______________        Zip Code ___________________________________

Residential Status: □ Rent   □ Home Owner    Time at Residence: ____________ years ____________ months

Cell Phone __________________________ Home Phone __________________________ Work Phone __________________________

Fax Number _____________________ Email Address ___________________________ Education _____________________________


Previous Street Address (PO and APO boxes are not valid) ________________________________________________________________

City ___________________________________         State _______________        Zip Code ___________________________________

Time at Previous Address: ____________ years ____________ months


Employer Name _____________________________ Job Title ___________________________ Gross Monthly Income _____________

                                                                                                BOW - Auto Loan Application 3/15/2012
Time at Employer ____________ years ____________ months                  Employer Telephone # ___________________________________

Employer Street Address __________________________________________________________________________________________

City ___________________________________                State _______________         Zip Code ___________________________________


Employer Name _____________________________ Job Title ___________________________ Gross Monthly Income _____________

Time at Employer ____________ years ____________ months                  Employer Telephone # ___________________________________

Employer Street Address __________________________________________________________________________________________

City ___________________________________                State _______________         Zip Code ___________________________________

Do you have a Checking Account? □ Yes        □ No Account Balance ________________________________________________________

Do you have a Saving Account?        □ Yes   □ No Account Balance ________________________________________________________

Other Monthly Income _____________________ Other Income Source ____________________________________________________




1.   Are you presently under indictment, on parole or probation?

     Applicant: □ Yes, indicate date parole or probation is to expire ________________________________ □ No

     Co-Applicant: □ Yes, indicate date parole or probation is to expire ________________________________ □ No

2.   Have you ever been charged with and or arrested for any criminal offense other than a minor motor vehicle violation? Include offenses,
     which have been dismissed, discharged, or not prosecuted. (All arrests and charges must be disclosed and explained on an attached sheet.)

     Applicant: □ Yes □ No           Co-Applicant: □ Yes □ No

3.   Have you ever been convicted, placed on pretrial diversion, or placed on any form of probation, including adjudication withheld pending
     probation, for any criminal offense other than a minor vehicle violation?

     Applicant: □ Yes □ No           Co-Applicant: □ Yes □ No

The information on this application is given to Bank of Whittier, N.A. for the purpose of obtaining or continuing an extension of credit. We
represent and warrant that the information provided is accurate and complete in all respects. We acknowledge that the lender is relying on our
statement in this application and that the statements will be incorporated by reference into any agreement we may enter into with the Lender.
We also realize that failure to completely and accurately disclose the information requested would constitute a breach of any agreement that we
may enter into with Lender.

We authorize Bank of Whittier, N.A. or any other credit bureau or investigative agency employed by the bank to check references, credit, and
employment history under any of the names and social security numbers of any and all of the owners and/or officers provided. We understand
that a consumer report may be requested in connection with this credit application. If requested, we may be informed whether or not a
consumer report(s) were requested, and if such reports were requested, we will be informed of the name and address of the consumer
reporting agency that furnished the report. Bank of Whittier, N.A. may at any time in the future obtain additional credit reports to review my

___________________________             ________________                  _____________________________             _________________
      Applicant Signature                     Date                              Co-Applicant Signature                   Date

                                                                                                            BOW - Auto Loan Application 3/15/2012
Form    4506-T                                            Request for Transcript of Tax Return
(Rev. January 2011)                                                                                                                                       OMB No. 1545-1872

Department of the Treasury
                                                      ▶   Request may be rejected if the form is incomplete or illegible.
Internal Revenue Service

Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using
our automated self-help service tools. Please visit us at and click on "Order a Transcript" or call 1-800-908-9946. If you need a copy of your return, use
Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.

   1a Name shown on tax return. If a joint return, enter the name shown                        1b First social security number on tax return, individual taxpayer identification
      first.                                                                                      number, or employer identification number (see instructions)

   2a If a joint return, enter spouse’s name shown on tax return.                              2b Second social security number or individual taxpayer
                                                                                                  identification number if joint tax return

   3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (See instructions)

   4 Previous address shown on the last return filed if different from line 3 (See instructions)

   5 If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address,
     and telephone number. The IRS has no control over what the third party does with the tax information.

Caution. If the transcript is being mailed to a third party, ensure that you have filled in line 6 and line 9 before signing. Sign and date the form once you
have filled in these lines. Completing these steps helps to protect your privacy.

   6     Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form
         number per request. ▶
    a    Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect
         changes made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series,
         Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts are available for the current year
         and returns processed during the prior 3 processing years. Most requests will be processed within 10 business days . . . . . .

    b    Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty
         assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability
         and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 30 calendar days. .
    c    Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year and
         3 prior tax years. Most requests will be processed within 30 calendar days . . . . . . . . . . . . . . . . . . .
   7     Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available
         after June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days . .
   8     Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from
         these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this
         transcript information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS.
         For example, W-2 information for 2007, filed in 2008, will not be available from the IRS until 2009. If you need W-2 information for retirement
         purposes, you should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 45 days . . .
Caution. If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed
with your return, you must use Form 4506 and request a copy of your return, which includes all attachments.

   9     Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four
         years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter
         each quarter or tax period separately.

Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax
information requested. If the request applies to a joint return, either husband or wife must sign. If signed by a corporate officer, partner, guardian, tax
matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute
Form 4506-T on behalf of the taxpayer. Note. For transcripts being sent to a third party, this form must be received within 120 days of signature date.
                                                                                                                     Telephone number of taxpayer on
                                                                                                                     line 1a or 2a
            ▲ ▲ ▲

                    Signature (see instructions)                                                            Date
Here                Title (if line 1a above is a corporation, partnership, estate, or trust)

                    Spouse’s signature                                                                      Date
For Privacy Act and Paperwork Reduction Act Notice, see page 2.                                              Cat. No. 37667N                        Form 4506-T (Rev. 1-2011)
Form 4506-T (Rev. 1-2011)                                                                                                                              Page   2

General Instructions                                  Chart for all other transcripts                         Corporations. Generally, Form 4506-T can be
                                                                                                           signed by: (1) an officer having legal authority to
Purpose of form. Use Form 4506-T to request           If you lived in             Mail or fax to the       bind the corporation, (2) any person designated
tax return information. You can also designate a      or your business            “Internal Revenue        by the board of directors or other governing
third party to receive the information. See line 5.   was in:                     Service” at:             body, or (3) any officer or employee on written
Tip. Use Form 4506, Request for Copy of                                                                    request by any principal officer and attested to
Tax Return, to request copies of tax returns.         Alabama, Alaska,                                     by the secretary or other officer.
                                                      Arizona, Arkansas,
Where to file. Mail or fax Form 4506-T to                                                                     Partnerships. Generally, Form 4506-T can be
                                                      California, Colorado,
the address below for the state you lived in,                                                              signed by any person who was a member of the
                                                      Florida, Hawaii, Idaho,
or the state your business was in, when that                                                               partnership during any part of the tax period
                                                      Iowa, Kansas,
return was filed. There are two address charts:                                                            requested on line 9.
                                                      Louisiana, Minnesota,
one for individual transcripts (Form 1040 series      Mississippi,                                            All others. See Internal Revenue Code section
and Form W-2) and one for all other transcripts.      Missouri, Montana,                                   6103(e) if the taxpayer has died, is insolvent, is a
   If you are requesting more than one transcript     Nebraska, Nevada,           RAIVS Team               dissolved corporation, or if a trustee, guardian,
or other product and the chart below shows two        New Mexico,                 P.O. Box 9941            executor, receiver, or administrator is acting for
different RAIVS teams, send your request to the       North Dakota,               Mail Stop 6734           the taxpayer.
team based on the address of your most recent         Oklahoma, Oregon,           Ogden, UT 84409          Documentation. For entities other than
return.                                               South Dakota, Texas,                                 individuals, you must attach the authorization
                                                      Utah, Washington,                                    document. For example, this could be the letter
Automated transcript request. You can quickly
                                                      Wyoming, a foreign                                   from the principal officer authorizing an
request transcripts by using our automated self
                                                      country, or A.P.O. or                                employee of the corporation or the Letters
help-service tools. Please visit us at and
                                                      F.P.O. address              801-620-6922             Testamentary authorizing an individual to act for
click on “Order a Transcript” or call
1-800-908-9946.                                                                                            an estate.
Chart for individual                                  Delaware, District of                                Privacy Act and Paperwork Reduction Act
                                                      Columbia, Georgia,                                   Notice. We ask for the information on this form
transcripts (Form 1040 series and                     Illinois, Indiana,                                   to establish your right to gain access to the
Form W-2)                                             Kentucky, Maine,                                     requested tax information under the Internal
                                                      Maryland,                                            Revenue Code. We need this information to
If you filed an             Mail or fax to the        Massachusetts,                                       properly identify the tax information and respond
                                                      Michigan, New               RAIVS Team
individual return           “Internal Revenue                                     P.O. Box 145500          to your request. You are not required to request
and lived in:               Service” at:              Hampshire, New                                       any transcript; if you do request a transcript,
                                                      Jersey, New York,           Stop 2800 F
                                                                                  Cincinnati, OH 45250     sections 6103 and 6109 and their regulations
Florida, Georgia (After     RAIVS Team                North Carolina,                                      require you to provide this information, including
June 30, 2011, send         P.O. Box 47-421           Ohio, Pennsylvania,                                  your SSN or EIN. If you do not provide this
your transcript             Stop 91                   Rhode Island, South                                  information, we may not be able to process your
requests to Kansas          Doraville, GA 30362       Carolina, Tennessee,                                 request. Providing false or fraudulent information
City, MO)                   770-455-2335              Vermont, Virginia,                                   may subject you to penalties.
                                                      West Virginia,
                                                      Wisconsin                   859-669-3592                 Routine uses of this information include giving
Alabama, Kentucky,          RAIVS Team                                                                     it to the Department of Justice for civil and
Louisiana, Mississippi,     Stop 6716 AUSC                                                                 criminal litigation, and cities, states, the District
                                                      Line 1b. Enter your employer identification
Tennessee, Texas, a         Austin, TX 73301                                                               of Columbia, and U.S. commonwealths and
                                                      number (EIN) if your request relates to a
foreign country,                                                                                           possessions for use in administering their tax
                                                      business return. Otherwise, enter the first
American Samoa,                                                                                            laws. We may also disclose this information to
                                                      social security number (SSN) or your individual
Puerto Rico, Guam, the                                                                                     other countries under a tax treaty, to federal and
                                                      taxpayer identification number (ITIN) shown on
Commonwealth of the                                                                                        state agencies to enforce federal nontax criminal
                                                      the return. For example, if you are requesting
Northern Mariana                                                                                           laws, or to federal law enforcement and
                                                      Form 1040 that includes Schedule C (Form
Islands, the U.S. Virgin    512-460-2272                                                                   intelligence agencies to combat terrorism.
                                                      1040), enter your SSN.
Islands, or A.P.O. or
F.P.O. address                                        Line 3. Enter your current address. If you use a         You are not required to provide the
                                                      P. O. box, include it on this line.                  information requested on a form that is subject
                                                                                                           to the Paperwork Reduction Act unless the form
Alaska, Arizona,            RAIVS Team                Line 4. Enter the address shown on the last          displays a valid OMB control number. Books or
Arkansas, California,       Stop 37106                return filed if different from the address entered   records relating to a form or its instructions must
Colorado, Hawaii,           Fresno, CA 93888          on line 3.                                           be retained as long as their contents may
Idaho, Illinois, Indiana,                                                                                  become material in the administration of any
Iowa, Kansas,                                         Note. If the address on Lines 3 and 4 are
                                                                                                           Internal Revenue law. Generally, tax returns and
Michigan, Minnesota,                                  different and you have not changed your address
                                                                                                           return information are confidential, as required by
Montana, Nebraska,                                    with the IRS, file Form 8822, Change of Address.
                                                                                                           section 6103.
Nevada, New Mexico,                                   Line 6. Enter only one tax form number per
North Dakota,                                                                                                  The time needed to complete and file Form
Oklahoma, Oregon,           559-456-5876                                                                   4506-T will vary depending on individual
                                                      Signature and date. Form 4506-T must be              circumstances. The estimated average time is:
South Dakota, Utah,                                   signed and dated by the taxpayer listed on line
Washington,                                                                                                Learning about the law or the form, 10 min.;
                                                      1a or 2a. If you completed line 5 requesting the     Preparing the form, 12 min.; and Copying,
Wisconsin, Wyoming                                    information be sent to a third party, the IRS must   assembling, and sending the form to the IRS,
                                                      receive Form 4506-T within 120 days of the date      20 min.
Connecticut, Delaware,      RAIVS Team                signed by the taxpayer or it will be rejected.
                                                                                                               If you have comments concerning the
District of Columbia,       Stop 6705 P-6                Individuals. Transcripts of jointly filed tax     accuracy of these time estimates or suggestions
Maine, Maryland,            Kansas City, MO           returns may be furnished to either spouse. Only      for making Form 4506-T simpler, we would be
Massachusetts,              64999                     one signature is required. Sign Form 4506-T          happy to hear from you. You can write to the
Missouri, New                                         exactly as your name appeared on the original        Internal Revenue Service, Tax Products
Hampshire, New                                        return. If you changed your name, also sign your     Coordinating Committee, SE:W:CAR:MP:T:T:SP,
Jersey, New York,                                     current name.                                        1111 Constitution Ave. NW, IR-6526,
North Carolina, Ohio,                                                                                      Washington, DC 20224. Do not send the form to
Pennsylvania, Rhode                                                                                        this address. Instead, see Where to file on this
Island, South Carolina,                                                                                    page.
Vermont, Virginia, West     816-292-6102
  Form                                 W-9                                                Request for Taxpayer                                                                        Give Form to the
                                                                                                                                                                                      requester. Do not
  (Rev. January 2011)
  Department of the Treasury
                                                                                Identification Number and Certification                                                               send to the IRS.
  Internal Revenue Service
                                       Name (as shown on your income tax return)

                                       Business name/disregarded entity name, if different from above
See Specific Instructions on page 2.

                                       Check appropriate box for federal tax
                                       classification (required):    Individual/sole proprietor          C Corporation         S Corporation               Partnership       Trust/estate
           Print or type

                                                                                                                                                                                                Exempt payee
                                             Limited liability company. Enter the tax classification (C=C corporation, S=S corporation, P=partnership) ▶

                                            Other (see instructions) ▶
                                       Address (number, street, and apt. or suite no.)                                                            Requester’s name and address (optional)

                                       City, state, and ZIP code

                                       List account number(s) here (optional)

           Part I                                Taxpayer Identification Number (TIN)
  Enter your TIN in the appropriate box. The TIN provided must match the name given on the “Name” line                                                        Social security number
  to avoid backup withholding. For individuals, this is your social security number (SSN). However, for a
  resident alien, sole proprietor, or disregarded entity, see the Part I instructions on page 3. For other                                                                   –              –
  entities, it is your employer identification number (EIN). If you do not have a number, see How to get a
  TIN on page 3.
  Note. If the account is in more than one name, see the chart on page 4 for guidelines on whose                                                              Employer identification number
  number to enter.

         Part II                                 Certification
  Under penalties of perjury, I certify that:
  1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and
  2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue
     Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am
     no longer subject to backup withholding, and

  3. I am a U.S. citizen or other U.S. person (defined below).
  Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding
  because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage
  interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and
  generally, payments other than interest and dividends, you are not required to sign the certification, but you must provide your correct TIN. See the
  instructions on page 4.
  Sign                                       Signature of
  Here                                       U.S. person ▶                                                                                     Date ▶

  General Instructions                                                                                                   Note. If a requester gives you a form other than Form W-9 to request
                                                                                                                         your TIN, you must use the requester’s form if it is substantially similar
  Section references are to the Internal Revenue Code unless otherwise                                                   to this Form W-9.
                                                                                                                         Definition of a U.S. person. For federal tax purposes, you are
  Purpose of Form                                                                                                        considered a U.S. person if you are:
  A person who is required to file an information return with the IRS must                                               • An individual who is a U.S. citizen or U.S. resident alien,
  obtain your correct taxpayer identification number (TIN) to report, for                                                • A partnership, corporation, company, or association created or
  example, income paid to you, real estate transactions, mortgage interest                                               organized in the United States or under the laws of the United States,
  you paid, acquisition or abandonment of secured property, cancellation                                                 • An estate (other than a foreign estate), or
  of debt, or contributions you made to an IRA.
                                                                                                                         • A domestic trust (as defined in Regulations section 301.7701-7).
     Use Form W-9 only if you are a U.S. person (including a resident
  alien), to provide your correct TIN to the person requesting it (the                                                   Special rules for partnerships. Partnerships that conduct a trade or
  requester) and, when applicable, to:                                                                                   business in the United States are generally required to pay a withholding
                                                                                                                         tax on any foreign partners’ share of income from such business.
     1. Certify that the TIN you are giving is correct (or you are waiting for a                                         Further, in certain cases where a Form W-9 has not been received, a
  number to be issued),                                                                                                  partnership is required to presume that a partner is a foreign person,
     2. Certify that you are not subject to backup withholding, or                                                       and pay the withholding tax. Therefore, if you are a U.S. person that is a
     3. Claim exemption from backup withholding if you are a U.S. exempt                                                 partner in a partnership conducting a trade or business in the United
  payee. If applicable, you are also certifying that as a U.S. person, your                                              States, provide Form W-9 to the partnership to establish your U.S.
  allocable share of any partnership income from a U.S. trade or business                                                status and avoid withholding on your share of partnership income.
  is not subject to the withholding tax on foreign partners’ share of
  effectively connected income.

                                                                                                             Cat. No. 10231X                                                          Form W-9 (Rev. 1-2011)
Form W-9 (Rev. 1-2011)                                                                                                                               Page 2

   The person who gives Form W-9 to the partnership for purposes of             Certain payees and payments are exempt from backup withholding.
establishing its U.S. status and avoiding withholding on its allocable        See the instructions below and the separate Instructions for the
share of net income from the partnership conducting a trade or business       Requester of Form W-9.
in the United States is in the following cases:                                 Also see Special rules for partnerships on page 1.
• The U.S. owner of a disregarded entity and not the entity,
                                                                              Updating Your Information
• The U.S. grantor or other owner of a grantor trust and not the trust,
and                                                                           You must provide updated information to any person to whom you
                                                                              claimed to be an exempt payee if you are no longer an exempt payee
• The U.S. trust (other than a grantor trust) and not the beneficiaries of    and anticipate receiving reportable payments in the future from this
the trust.                                                                    person. For example, you may need to provide updated information if
Foreign person. If you are a foreign person, do not use Form W-9.             you are a C corporation that elects to be an S corporation, or if you no
Instead, use the appropriate Form W-8 (see Publication 515,                   longer are tax exempt. In addition, you must furnish a new Form W-9 if
Withholding of Tax on Nonresident Aliens and Foreign Entities).               the name or TIN changes for the account, for example, if the grantor of a
Nonresident alien who becomes a resident alien. Generally, only a             grantor trust dies.
nonresident alien individual may use the terms of a tax treaty to reduce
or eliminate U.S. tax on certain types of income. However, most tax
treaties contain a provision known as a “saving clause.” Exceptions           Failure to furnish TIN. If you fail to furnish your correct TIN to a
specified in the saving clause may permit an exemption from tax to            requester, you are subject to a penalty of $50 for each such failure
continue for certain types of income even after the payee has otherwise       unless your failure is due to reasonable cause and not to willful neglect.
become a U.S. resident alien for tax purposes.                                Civil penalty for false information with respect to withholding. If you
   If you are a U.S. resident alien who is relying on an exception            make a false statement with no reasonable basis that results in no
contained in the saving clause of a tax treaty to claim an exemption          backup withholding, you are subject to a $500 penalty.
from U.S. tax on certain types of income, you must attach a statement
                                                                              Criminal penalty for falsifying information. Willfully falsifying
to Form W-9 that specifies the following five items:
                                                                              certifications or affirmations may subject you to criminal penalties
   1. The treaty country. Generally, this must be the same treaty under       including fines and/or imprisonment.
which you claimed exemption from tax as a nonresident alien.
                                                                              Misuse of TINs. If the requester discloses or uses TINs in violation of
   2. The treaty article addressing the income.                               federal law, the requester may be subject to civil and criminal penalties.
   3. The article number (or location) in the tax treaty that contains the
saving clause and its exceptions.                                             Specific Instructions
   4. The type and amount of income that qualifies for the exemption
from tax.
   5. Sufficient facts to justify the exemption from tax under the terms of   If you are an individual, you must generally enter the name shown on
the treaty article.                                                           your income tax return. However, if you have changed your last name,
                                                                              for instance, due to marriage without informing the Social Security
   Example. Article 20 of the U.S.-China income tax treaty allows an          Administration of the name change, enter your first name, the last name
exemption from tax for scholarship income received by a Chinese               shown on your social security card, and your new last name.
student temporarily present in the United States. Under U.S. law, this
student will become a resident alien for tax purposes if his or her stay in      If the account is in joint names, list first, and then circle, the name of
the United States exceeds 5 calendar years. However, paragraph 2 of           the person or entity whose number you entered in Part I of the form.
the first Protocol to the U.S.-China treaty (dated April 30, 1984) allows     Sole proprietor. Enter your individual name as shown on your income
the provisions of Article 20 to continue to apply even after the Chinese      tax return on the “Name” line. You may enter your business, trade, or
student becomes a resident alien of the United States. A Chinese              “doing business as (DBA)” name on the “Business name/disregarded
student who qualifies for this exception (under paragraph 2 of the first      entity name” line.
protocol) and is relying on this exception to claim an exemption from tax     Partnership, C Corporation, or S Corporation. Enter the entity's name
on his or her scholarship or fellowship income would attach to Form           on the “Name” line and any business, trade, or “doing business as
W-9 a statement that includes the information described above to              (DBA) name” on the “Business name/disregarded entity name” line.
support that exemption.
                                                                              Disregarded entity. Enter the owner's name on the “Name” line. The
   If you are a nonresident alien or a foreign entity not subject to backup   name of the entity entered on the “Name” line should never be a
withholding, give the requester the appropriate completed Form W-8.           disregarded entity. The name on the “Name” line must be the name
What is backup withholding? Persons making certain payments to you            shown on the income tax return on which the income will be reported.
must under certain conditions withhold and pay to the IRS a percentage        For example, if a foreign LLC that is treated as a disregarded entity for
of such payments. This is called “backup withholding.” Payments that          U.S. federal tax purposes has a domestic owner, the domestic owner's
may be subject to backup withholding include interest, tax-exempt             name is required to be provided on the “Name” line. If the direct owner
interest, dividends, broker and barter exchange transactions, rents,          of the entity is also a disregarded entity, enter the first owner that is not
royalties, nonemployee pay, and certain payments from fishing boat            disregarded for federal tax purposes. Enter the disregarded entity's
operators. Real estate transactions are not subject to backup                 name on the “Business name/disregarded entity name” line. If the owner
withholding.                                                                  of the disregarded entity is a foreign person, you must complete an
   You will not be subject to backup withholding on payments you              appropriate Form W-8.
receive if you give the requester your correct TIN, make the proper           Note. Check the appropriate box for the federal tax classification of the
certifications, and report all your taxable interest and dividends on your    person whose name is entered on the “Name” line (Individual/sole
tax return.                                                                   proprietor, Partnership, C Corporation, S Corporation, Trust/estate).
Payments you receive will be subject to backup                                Limited Liability Company (LLC). If the person identified on the
withholding if:                                                               “Name” line is an LLC, check the “Limited liability company” box only
                                                                              and enter the appropriate code for the tax classification in the space
   1. You do not furnish your TIN to the requester,                           provided. If you are an LLC that is treated as a partnership for federal
   2. You do not certify your TIN when required (see the Part II              tax purposes, enter “P” for partnership. If you are an LLC that has filed a
instructions on page 3 for details),                                          Form 8832 or a Form 2553 to be taxed as a corporation, enter “C” for
   3. The IRS tells the requester that you furnished an incorrect TIN,        C corporation or “S” for S corporation. If you are an LLC that is
                                                                              disregarded as an entity separate from its owner under Regulation
   4. The IRS tells you that you are subject to backup withholding            section 301.7701-3 (except for employment and excise tax), do not
because you did not report all your interest and dividends on your tax        check the LLC box unless the owner of the LLC (required to be
return (for reportable interest and dividends only), or                       identified on the “Name” line) is another LLC that is not disregarded for
   5. You do not certify to the requester that you are not subject to         federal tax purposes. If the LLC is disregarded as an entity separate
backup withholding under 4 above (for reportable interest and dividend        from its owner, enter the appropriate tax classification of the owner
accounts opened after 1983 only).                                             identified on the “Name” line.
Form W-9 (Rev. 1-2011)                                                                                                                                   Page 3

Other entities. Enter your business name as shown on required federal                 Part I. Taxpayer Identification Number (TIN)
tax documents on the “Name” line. This name should match the name
shown on the charter or other legal document creating the entity. You                 Enter your TIN in the appropriate box. If you are a resident alien and
may enter any business, trade, or DBA name on the “Business name/                     you do not have and are not eligible to get an SSN, your TIN is your IRS
disregarded entity name” line.                                                        individual taxpayer identification number (ITIN). Enter it in the social
                                                                                      security number box. If you do not have an ITIN, see How to get a TIN
Exempt Payee                                                                          below.
If you are exempt from backup withholding, enter your name as                             If you are a sole proprietor and you have an EIN, you may enter either
described above and check the appropriate box for your status, then                   your SSN or EIN. However, the IRS prefers that you use your SSN.
check the “Exempt payee” box in the line following the “Business name/                    If you are a single-member LLC that is disregarded as an entity
disregarded entity name,” sign and date the form.                                     separate from its owner (see Limited Liability Company (LLC) on page 2),
   Generally, individuals (including sole proprietors) are not exempt from            enter the owner’s SSN (or EIN, if the owner has one). Do not enter the
backup withholding. Corporations are exempt from backup withholding                   disregarded entity’s EIN. If the LLC is classified as a corporation or
for certain payments, such as interest and dividends.                                 partnership, enter the entity’s EIN.
Note. If you are exempt from backup withholding, you should still                     Note. See the chart on page 4 for further clarification of name and TIN
complete this form to avoid possible erroneous backup withholding.                    combinations.
   The following payees are exempt from backup withholding:                           How to get a TIN. If you do not have a TIN, apply for one immediately.
                                                                                      To apply for an SSN, get Form SS-5, Application for a Social Security
   1. An organization exempt from tax under section 501(a), any IRA, or a             Card, from your local Social Security Administration office or get this
custodial account under section 403(b)(7) if the account satisfies the                form online at You may also get this form by calling
requirements of section 401(f)(2),                                                    1-800-772-1213. Use Form W-7, Application for IRS Individual Taxpayer
   2. The United States or any of its agencies or instrumentalities,                  Identification Number, to apply for an ITIN, or Form SS-4, Application for
   3. A state, the District of Columbia, a possession of the United States,           Employer Identification Number, to apply for an EIN. You can apply for
or any of their political subdivisions or instrumentalities,                          an EIN online by accessing the IRS website at
                                                                                      and clicking on Employer Identification Number (EIN) under Starting a
   4. A foreign government or any of its political subdivisions, agencies,            Business. You can get Forms W-7 and SS-4 from the IRS by visiting
or instrumentalities, or                                                     or by calling 1-800-TAX-FORM (1-800-829-3676).
   5. An international organization or any of its agencies or                             If you are asked to complete Form W-9 but do not have a TIN, write
instrumentalities.                                                                    “Applied For” in the space for the TIN, sign and date the form, and give
   Other payees that may be exempt from backup withholding include:                   it to the requester. For interest and dividend payments, and certain
   6. A corporation,                                                                  payments made with respect to readily tradable instruments, generally
                                                                                      you will have 60 days to get a TIN and give it to the requester before you
   7. A foreign central bank of issue,                                                are subject to backup withholding on payments. The 60-day rule does
   8. A dealer in securities or commodities required to register in the               not apply to other types of payments. You will be subject to backup
United States, the District of Columbia, or a possession of the United                withholding on all such payments until you provide your TIN to the
States,                                                                               requester.
   9. A futures commission merchant registered with the Commodity                     Note. Entering “Applied For” means that you have already applied for a
Futures Trading Commission,                                                           TIN or that you intend to apply for one soon.
   10. A real estate investment trust,                                                Caution: A disregarded domestic entity that has a foreign owner must
   11. An entity registered at all times during the tax year under the                use the appropriate Form W-8.
Investment Company Act of 1940,                                                       Part II. Certification
   12. A common trust fund operated by a bank under section 584(a),
                                                                                      To establish to the withholding agent that you are a U.S. person, or
   13. A financial institution,                                                       resident alien, sign Form W-9. You may be requested to sign by the
   14. A middleman known in the investment community as a nominee or                  withholding agent even if item 1, below, and items 4 and 5 on page 4
custodian, or                                                                         indicate otherwise.
   15. A trust exempt from tax under section 664 or described in section                 For a joint account, only the person whose TIN is shown in Part I
4947.                                                                                 should sign (when required). In the case of a disregarded entity, the
                                                                                      person identified on the “Name” line must sign. Exempt payees, see
   The following chart shows types of payments that may be exempt
                                                                                      Exempt Payee on page 3.
from backup withholding. The chart applies to the exempt payees listed
above, 1 through 15.                                                                  Signature requirements. Complete the certification as indicated in
                                                                                      items 1 through 3, below, and items 4 and 5 on page 4.
IF the payment is for . . .                 THEN the payment is exempt                   1. Interest, dividend, and barter exchange accounts opened
                                            for . . .                                 before 1984 and broker accounts considered active during 1983.
                                                                                      You must give your correct TIN, but you do not have to sign the
Interest and dividend payments              All exempt payees except                  certification.
                                            for 9
                                                                                         2. Interest, dividend, broker, and barter exchange accounts
Broker transactions                         Exempt payees 1 through 5 and 7           opened after 1983 and broker accounts considered inactive during
                                            through 13. Also, C corporations.         1983. You must sign the certification or backup withholding will apply. If
Barter exchange transactions and            Exempt payees 1 through 5                 you are subject to backup withholding and you are merely providing
patronage dividends                                                                   your correct TIN to the requester, you must cross out item 2 in the
                                                                                      certification before signing the form.
Payments over $600 required to be Generally, exempt payees                               3. Real estate transactions. You must sign the certification. You may
reported and direct sales over    1 through 7 2                                       cross out item 2 of the certification.
    See Form 1099-MISC, Miscellaneous Income, and its instructions.
    However, the following payments made to a corporation and reportable on Form
    1099-MISC are not exempt from backup withholding: medical and health care
    payments, attorneys' fees, gross proceeds paid to an attorney, and payments for
    services paid by a federal executive agency.
Form W-9 (Rev. 1-2011)                                                                                                                                                         Page 4

   4. Other payments. You must give your correct TIN, but you do not                                     Note. If no name is circled when more than one name is listed, the
have to sign the certification unless you have been notified that you                                    number will be considered to be that of the first name listed.
have previously given an incorrect TIN. “Other payments” include
payments made in the course of the requester’s trade or business for                                     Secure Your Tax Records from Identity Theft
rents, royalties, goods (other than bills for merchandise), medical and                                  Identity theft occurs when someone uses your personal information
health care services (including payments to corporations), payments to                                   such as your name, social security number (SSN), or other identifying
a nonemployee for services, payments to certain fishing boat crew                                        information, without your permission, to commit fraud or other crimes.
members and fishermen, and gross proceeds paid to attorneys                                              An identity thief may use your SSN to get a job or may file a tax return
(including payments to corporations).                                                                    using your SSN to receive a refund.
   5. Mortgage interest paid by you, acquisition or abandonment of                                          To reduce your risk:
secured property, cancellation of debt, qualified tuition program
payments (under section 529), IRA, Coverdell ESA, Archer MSA or                                          • Protect your SSN,
HSA contributions or distributions, and pension distributions. You                                       • Ensure your employer is protecting your SSN, and
must give your correct TIN, but you do not have to sign the certification.                               • Be careful when choosing a tax preparer.
                                                                                                            If your tax records are affected by identity theft and you receive a
What Name and Number To Give the Requester                                                               notice from the IRS, respond right away to the name and phone number
           For this type of account:                          Give name and SSN of:                      printed on the IRS notice or letter.
                                                                                                            If your tax records are not currently affected by identity theft but you
    1. Individual                                     The individual                                     think you are at risk due to a lost or stolen purse or wallet, questionable
    2. Two or more individuals (joint                 The actual owner of the account or,                credit card activity or credit report, contact the IRS Identity Theft Hotline
        account)                                      if combined funds, the first
                                                                                 1                       at 1-800-908-4490 or submit Form 14039.
                                                      individual on the account
    3. Custodian account of a minor                                2                                        For more information, see Publication 4535, Identity Theft Prevention
                                                      The minor
       (Uniform Gift to Minors Act)                                                                      and Victim Assistance.
    4. a. The usual revocable savings                 The grantor-trustee
                                                                                                            Victims of identity theft who are experiencing economic harm or a
       trust (grantor is also trustee)                                                                   system problem, or are seeking help in resolving tax problems that have
       b. So-called trust account that is             The actual owner
                                                                                                         not been resolved through normal channels, may be eligible for
       not a legal or valid trust under                                                                  Taxpayer Advocate Service (TAS) assistance. You can reach TAS by
       state law                                                                                         calling the TAS toll-free case intake line at 1-877-777-4778 or TTY/TDD
    5. Sole proprietorship or disregarded             The owner                                          1-800-829-4059.
       entity owned by an individual
                                                      The grantor*
                                                                                                         Protect yourself from suspicious emails or phishing schemes.
    6. Grantor trust filing under Optional
       Form 1099 Filing Method 1 (see
                                                                                                         Phishing is the creation and use of email and websites designed to
       Regulation section 1.671-4(b)(2)(i)(A))                                                           mimic legitimate business emails and websites. The most common act
                                                                                                         is sending an email to a user falsely claiming to be an established
           For this type of account:                          Give name and EIN of:
                                                                                                         legitimate enterprise in an attempt to scam the user into surrendering
    7. Disregarded entity not owned by an             The owner                                          private information that will be used for identity theft.
    8. A valid trust, estate, or pension trust        Legal entity
                                                                        4                                   The IRS does not initiate contacts with taxpayers via emails. Also, the
                                                                                                         IRS does not request personal detailed information through email or ask
 9. Corporation or LLC electing                       The corporation
    corporate status on Form 8832 or
                                                                                                         taxpayers for the PIN numbers, passwords, or similar secret access
    Form 2553                                                                                            information for their credit card, bank, or other financial accounts.
10. Association, club, religious,                     The organization                                      If you receive an unsolicited email claiming to be from the IRS,
    charitable, educational, or other                                                                    forward this message to You may also report misuse
    tax-exempt organization                                                                              of the IRS name, logo, or other IRS property to the Treasury Inspector
11. Partnership or multi-member LLC                   The partnership                                    General for Tax Administration at 1-800-366-4484. You can forward
12. A broker or registered nominee                    The broker or nominee                              suspicious emails to the Federal Trade Commission at:
13. Account with the Department of                    The public entity                                  or contact them at or 1-877-IDTHEFT
    Agriculture in the name of a public                                                                  (1-877-438-4338).
    entity (such as a state or local                                                                        Visit to learn more about identity theft and how to reduce
    government, school district, or                                                                      your risk.
    prison) that receives agricultural
    program payments
14. Grantor trust filing under the Form               The trust
    1041 Filing Method or the Optional
    Form 1099 Filing Method 2 (see
    Regulation section 1.671-4(b)(2)(i)(B))
    List first and circle the name of the person whose number you furnish. If only one person on a
    joint account has an SSN, that person’s number must be furnished.
    Circle the minor’s name and furnish the minor’s SSN.
    You must show your individual name and you may also enter your business or “DBA” name on
    the “Business name/disregarded entity” name line. You may use either your SSN or EIN (if you
    have one), but the IRS encourages you to use your SSN.
 List first and circle the name of the trust, estate, or pension trust. (Do not furnish the TIN of the
 personal representative or trustee unless the legal entity itself is not designated in the account
 title.) Also see Special rules for partnerships on page 1.
*Note. Grantor also must provide a Form W-9 to trustee of trust.

Privacy Act Notice
Section 6109 of the Internal Revenue Code requires you to provide your correct TIN to persons (including federal agencies) who are required to file information returns with
the IRS to report interest, dividends, or certain other income paid to you; mortgage interest you paid; the acquisition or abandonment of secured property; the cancellation
of debt; or contributions you made to an IRA, Archer MSA, or HSA. The person collecting this form uses the information on the form to file information returns with the IRS,
reporting the above information. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation and to cities, states, the District
of Columbia, and U.S. possessions for use in administering their laws. The information also may be disclosed to other countries under a treaty, to federal and state agencies
to enforce civil and criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You must provide your TIN whether or not you are required to
file a tax return. Under section 3406, payers must generally withhold a percentage of taxable interest, dividend, and certain other payments to a payee who does not give a
TIN to the payer. Certain penalties may also apply for providing false or fraudulent information.
             The Housing Financial Discrimination Act of 1977
                           Fair Lending Notice
        It is illegal to discriminate in the provisions of or in the availability of financial assistance because of the
        consideration of:

            1. Trends. Characteristics or conditions in the neighborhood or geographic area surrounding a
               housing accommodation, unless the financial institution can demonstrate in the particular case
               that such consideration is required to avoid an unsafe and unsound business practice; or

            2. Race, color, religion, sex, marital status, national origin, or ancestry.

        It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or
        geographic area surrounding a housing accommodation or whether or not such composition is
        undergoing change, or is expected to undergo change. In appraising a housing accommodation or in
        determining whether or not, or under what terms and condition, to provide financial assistance.

        These provisions govern financial assistance for the purpose of the purchase, construction,
        rehabilitation, or refinancing of one to four unit family residences occupied by the owner and for the
        purpose of the home improvement of any one to four unit residence.

        If you have questions about your rights, or if you wish to file a compliant, contact the management of
        this financial institution or:

                                             Comptroller of the Currency
                                             Customer Assistance Group
                                           1301 McKinney Street, Suite 3450
                                                 Houston, TX 77010

                      ACKNOWLEDGEMENT OF RECEIPT

        _______________________            __________              ________________________             __________
        Borrower’s Signature               Date                    Borrower’s Signature                 Date

        _______________________            __________              ________________________             __________
        Borrower’s Signature               Date                    Borrower’s Signature                 Date

15141 E. Whittier Blvd., Whittier, CA 90603; (562) 945-7553; (562) 945-5031;
             The Federal Equal Credit Opportunity Act
        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 concerning this creditors is:

                                            Comptroller of the Currency
                                            Customer Assistance Group
                                          1301 McKinney Street, Suite 3450
                                                Houston, TX 77010

        Lending institutions are prohibited from bringing up, in the taking of applications for loans, certain
        specific subjects which lend themselves to discrimination. They are as follows:

                             a) Whether or not you have or will have children.
                                (Although inquiring as to the number and age of dependents is proper.)

                             b) Whether or not there exist child care problems.

                             c) Whether or not there will be interruption of income due to childbirth

                             d) Whether or not you are receiving alimony, child support or separate
                                maintenance. (Unless voluntarily disclosed as a source of additional income
                                which you wish to be considered.)

                             e) Whether you are widowed, divorced, or single.
                                (Allowable designations are: married, unmarried, and separated).

                             f) Whether or not your telephone number is listed.

        Lending institutions must take and report action on your application “within a reasonable time”. If
        application is denied, reasons MUST be given if requested.


        _______________________           __________             ________________________           __________
        Borrower’s Signature              Date                   Borrower’s Signature               Date

        _______________________           __________             ________________________           __________
        Borrower’s Signature              Date                   Borrower’s Signature               Date

15141 E. Whittier Blvd., Whittier, CA 90603; (562) 945-7553; (562) 945-5031;
                                                                  PRIVACY FORM


                           Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some
Why?                       but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
                           Please read this notice carefully to understand what we do.

                           The types of personal information we collect and share depend on the product or service you have with us. This information
                           can include:
                                 Social Security number and income
What?                            Account balance and payment history
                                 Credit history and credit scores
                           When you are no longer our customer, we continue to share our information as describe in this notice.

                           All financial companies need to share customers' personal information to run their everyday business. In the section below,
How?                       we list the reasons Bank of Whittier, N.A. chooses to share; and whether you can limit this sharing.

Who we are
Who is providing this notice?                                            Bank of Whittier, N.A.

What we do
                                                                         To protect your personal information from unauthorized access and use, we use
How does Bank of Whittier protect my personal information?               security measures that comply with federal law. These measures include computer
                                                                         safeguards and secured files and buildings.
                                                                         We collect your personal information, for example, when you
                                                                         ·        open an account or deposit money
                                                                         ·        pay your bills or apply for a loan
How does Bank of Whittier collect my personal information
                                                                         ·        use your credit card or debit card
                                                                         We also collect your personal information from others, such as credit bureaus,
                                                                         affiliates, or other companies.
                                                                         Federal law gives you the right to limit only
                                                                         ·        sharing for affiliates' everyday business purposes - information about
                                                                                  your creditworthiness
Why can't I limit all sharing?
                                                                         ·        affiliates from using your information to market to you
                                                                         ·        sharing for nonaffiliates to market to you
                                                                         State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with     Your choice will apply to everyone on your account - unless you tell us otherwise.

                                                                         Companies related by common ownership or control.
                                                                         ·     American Finance House LARIBA
                                                                         Companies not related by common ownership or control. They can be financial
Nonaffiliates                                                            and nonfinancial companies.
                                                                         ·     Bank of Whittier does not share with nonaffiliates so they can market to you
                                                                         A formal agreement between nonaffiliated financial companies that together
Joint Marketing                                                          market financial products or services to you.
                                                                         ·     Bank of Whittier doesn't jointly market

Reasons we can share your personal information                             Does Bank of Whittier Share?               Can You Limit This Sharing?
For our everyday business purposes-
such as to process your transactions, maintain your
                                                                                           Yes                                         No
account(s), respond to court orders and legal
investigations, or report to credit bureaus.
For our marketing purposes-
                                                                                           Yes                                         No
to offer our products and services to you
For joint marketing with other financial companies-                                         No                                   We don't share
For our affiliates everyday business purpose-
                                                                                            No                                   We don't share
information about your transactions and experiences
For our affiliates everyday business purpose-
                                                                                            No                                   We don't share
information about your creditworthiness
For our affiliates to market to you                                                         No                                   We don't share
For nonaffiliates to market to you                                                          No                                   We don't share

Questions?                 Contact us at 15141 E. Whittier Blvd., Whittier, CA 90603, call (562) 945-7553 or go to

                                                                                                                              BOW Privacy Notice Form 03/10

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