Uniform Residential Loan Application

This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower", as applicable. Co-Borrower information
must also be provided (and the appropriate box checked) when the income or assets of a person other than the Borrower (including the Borrower's spouse) will be used as a basis for loan qualification or
the income or assets of the Borrower's spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be
considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community
property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.

If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below):

Borrower Co-Borrower
I. TYPE OF MORTGAGE AND TERMS OF LOAN
Mortgage VA Conventional Other (explain): Agency Case Number Lender Case Number
Applied for:
FHA USDA/Rural
Housing Service

Amount Interest Rate No. of Months Amortization Fixed Rate Other (explain):
Type:
$ % GPM ✔ ARM (type):
II. PROPERTY INFORMATION AND PURPOSE OF LOAN
Subject Property Address (street, city, state, & ZIP) No. of Units

Legal Description of Subject Property (attach description if necessary) Year Built

Property will be:

Purpose of Loan Purchase Construction Other (explain):
Primary Secondary
Refinance Construction-Permanent Residence Residence Investment

Complete this line if construction or construction-permanent loan.

Year Lot Original Cost Amount Existing Liens (a) Present Value of Lot (b) Cost of Improvements Total (a + b)
Acquired

$ $ $ $ $

Complete this line if this is a refinance loan.

Year Original Cost Amount Existing Liens Purpose of Refinance Describe Improvements made to be made
Acquired

$ $ Cost: $

Title will be held in what Name(s) Manner in which Title will be held Estate will be held in:

Fee Simple

Source of Down Payment, Settlement Charges and/or Subordinate Financing (explain) Leasehold (show
expiration date)

Borrower III. BORROWER INFORMATION Co-Borrower

Borrower's Name (include Jr. or Sr. if applicable) Co-Borrower's Name (include Jr. or Sr. if applicable)

Social Security Number Home Phone DOB (MM/DD/YYYY) Yrs. School Social Security Number Home Phone DOB (MM/DD/YYYY) Yrs. School
(incl. area code) (incl. area code)

Married Dependents (not listed by Co-Borrower) Married Dependents (not listed by Borrower)
Unmarried (include Unmarried (include
Separated single, divorced, widowed) no. ages Separated single, divorced, widowed) no. ages

Present Address (street, city, state, ZIP) Own Rent _______ No. Yrs. Present Address (street, city, state, ZIP) Own Rent _______ No. Yrs.

Mailing Address, if different from Present Address Mailing Address, if different from Present Address

If residing at present address for less than two years,complete the following:
Former Address (street, city, state, ZIP) Own Rent _______ No. Yrs. Former Address (street, city, state, ZIP) Own Rent _______ No. Yrs.

Borrower IV. EMPLOYMENT INFORMATION Co-Borrower

Name & Address of Employer Self Employed Yrs. on this job Name & Address of Employer ✔ Self Employed Yrs. on this job

Yrs. employed Yrs. employed

in this line of in this line of
work/profession work/profession

Position/Title/Type of Business Business Phone Position/Title/Type of Business Business Phone

(incl. area code) (incl. area code)

If employed in current position for less than two years or if currently employed in more than one position, complete the following:

Name & Address of Employer Self Employed Dates (from - to) Name & Address of Employer Self Employed Dates (from - to)

Monthly Income Monthly Income

$ $

Position/Title/Type of Business Business Phone Position/Title/Type of Business Business Phone

(incl. area code) (incl. area code)

Name & Address of Employer Self Employed Dates (from - to) Name & Address of Employer Self Employed Dates (from - to)

Monthly Income Monthly Income

$ $

Position/Title/Type of Business Business Phone Position/Title/Type of Business Business Phone

(incl. area code) (incl. area code)

Freddie Mac Form 65 6/09 Page 1 of 5 Fannie Mae Form 1003 6/09
 V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION
Gross Combined Monthly
Monthly Income Borrower Co-Borrower Total Housing Expense Present Proposed

Base Empl. Income* $ $ $ Rent $

Overtime First Mortgage (P&I) $

Bonuses Other Financing (P&I)

Commissions Hazard Insurance

Dividends/Interest Real Estate Taxes

Net Rental Income Mortgage Insurance

Other (before completing, Homeowner Assn. Dues

see the notice in "describe
other income," below) Other:

Total $ $ $ Total $ $

* Self Employed Borrower(s) may be required to provide additional documentation such as tax returns and financial statements.

Describe Other Income Notice: Alimony, child support, or separate maintenance income need not be revealed
if the Borrower (B) or Co-Borrower (C) does not choose to have it considered
for repaying this loan.
B/C Monthly Amount
$

VI. ASSETS AND LIABILITIES

This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be
meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section was completed about a non-applicant spouse or other person,
this Statement and supporting schedules must be completed about that spouse or other person also.
Completed Jointly Not Jointly

ASSETS Cash or Liabilities and Pledged Assets. List the creditor's name, address and account number for all outstanding debts, including
Market Value automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use
Description continuation sheet, if necessary. Indicate by (*) those liabilities, which will be satisfied upon sale of real estate owned or
Cash deposit toward $ upon refinancing of the subject property.
purchase held by: Monthly Payment &
LIABILITIES Months Left to Pay Unpaid Balance
Name and address of Company $ Payment/Months $
List checking and savings accounts below
Name and address of Bank, S&L, or Credit Union

Acct. no.

Name and address of Company $ Payment/Months $

Acct. no. $

Name and address of Bank, S&L, or Credit Union

Acct. no.

Name and address of Company $ Payment/Months $

Acct. no. $

Name and address of Bank, S&L, or Credit Union

Acct. no.

Name and address of Company $ Payment/Months $

Acct. no. $

Name and address of Bank, S&L, or Credit Union

Acct. no.

Name and address of Company $ Payment/Months $

Acct. no. $

Stocks & Bonds (Company $

name/number description)

Acct. no.

Name and address of Company $ Payment/Months $

Life insurance net cash value $

Face amount: $

Subtotal Liquid Assets $

Real estate owned (enter market value $

from schedule of real estate owned)
Acct. no.
Vested interest in retirement fund $ Name and address of Company $ Payment/Months $
Net worth of business(es) owned $
(attach financial statement)

Automobiles owned (make and year) $

Acct. no.

Alimony/Child Support/Separate Maintenance $

Payments Owed to:
Other Assets (itemize) $

Job-Related Expense (child care, union dues, etc.) $

Total Monthly Payments $

Net Worth
Total Assets a. $ (a minus b) $ Total Liabilities b. $

Freddie Mac Form 65 6/09 Page 2 of 5 Fannie Mae Form 1003 6/09
 VI. ASSETS AND LIABILITIES (cont.)
Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.)
Insurance,
Property Address (enter S if sold, PS if pending sale Type of Present Amount of Gross Mortgage Maintenance, Net
or R if rental being held for income) Property Market Value Mortgages & Liens Rental Income Payments Taxes & Misc. Rental Income

$ $ $ $ $ $

Totals $ $ $ $ $ $

List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s):

Alternate Name Creditor Name Account Number

Citi 4,407/66

Capital One 510/15

VII. DETAILS OF TRANSACTION VIII. DECLARATIONS

a. Purchase price $ If you answer "Yes" to any questions a through i, please Borrower Co-Borrower
use continuation sheet for explanation.
b. Alterations, improvements, repairs Yes No Yes No

c. Land (if acquired separately) a. Are there any outstanding judgments against you?

d. Refinance (incl. debts to be paid off) b. Have you been declared bankrupt within the past 7 years?
e. Estimated prepaid items c. Have you had property foreclosed upon or given title or deed in lieu
thereof in the last 7 years?
f. Estimated closing costs
d. Are you a party to a lawsuit?
g. PMI, MIP, Funding Fee
e. Have you directly or indirectly been obligated on any loan which resulted in
h. Discount (if Borrower will pay)
foreclosure, transfer of title in lieu of foreclosure, or judgment?
i. Total costs (add items a through h) (This would include such loans as home mortgage loans, SBA loans, home
improvement loans, educational loans, manufactured (mobile) home loans,
j. Subordinate financing any mortgage, financial obligation, bond, or loan guarantee. If "Yes,"
provide details, including date, name and address of Lender, FHA or VA
k. Borrower's closing costs paid by Seller case number, if any, and reasons for the action.)
f. Are you presently delinquent or in default on any Federal debt or any other
l. Other Credits (explain)
loan, mortgage, financial obligation, bond, or loan guarantee?
If "Yes," give details as described in the preceding question.

g. Are you obligated to pay alimony, child support, or separate maintenance?

h. Is any part of the down payment borrowed?

m. Loan amount (exclude PMI, MIP,
Funding Fee financed) i. Are you a co-maker or endorser on a note?

n. PMI, MIP, Funding Fee financed

j. Are you a U.S. citizen?
o. Loan amount (add m & n) k. Are you a permanent resident alien?

l. Do you intend to occupy the property as your primary residence?

If "Yes", complete question m below.

m. Have you had an ownership interest in a property in the last three years?
p. Cash from/to Borrower (subtract j,k,l &
o from i) (1) What type of property did you own -- principal residence (PR),
second home (SH), or investment property (IP)? ______ ______
(2) How did you hold title to the home -- by yourself (S), jointly
with your spouse (SP), or jointly with another person (O)? ______ ______

IX. ACKNOWLEDGMENT AND AGREEMENT

Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges
that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in
this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in
criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the
"Loan") will be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in
this application, are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may
retain the original and/or an electronic record of this application, whether or not the Loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors, and assigns may continuously
rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein
should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and
remedies that it may have relating to such delinquency, report my name and account information to one or more consumer reporting agencies; (9) ownership of the Loan and/or administration of the Loan
account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty,
express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing my "electronic signature" as those
terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective,
enforceable and valid as if a paper version of this application were delivered containing my original written signature.
Acknowledgment. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this application or
obtain any information or data relating to the loan, for any legitimate business purpose through any source, including a source named in this application or a consumer reporting agency.

Borrower's Signature Date Co-Borrower's Signature Date

X X
X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES
To be Completed by Loan Originator
Borrower information was provided: Co-Borrower information was provided:

In a face-to-face interview In a face-to-face interview

In a telephone interview In a telephone interview
By the applicant and submitted by fax or mail By the applicant and submitted by fax or mail
By the applicant and submitted via e-mail or the internet By the applicant and submitted via e-mail or the internet

Loan Originator's Signature Date

X
Loan Originator's Name (print or type) Loan Originator Identifier Loan Originator's Phone Number (including area code)

Loan Originator Company's Name Loan Origination Company Identifier Loan Origination Company's Address
423416 201 E Carl Albert, McAlester OK 74501
The Bank N.A.

Freddie Mac Form 65 6/09 Page 3 of 5 Fannie Mae Form 1003 6/09
The purpose of collecting this information is to help ensure that all borrowers are treated fairly and that the housing needs of communities and
neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask borrowers for their demographic information
(ethnicity, race, and sex) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You
are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more
designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it.
However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your
ethnicity, race, and sex on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or
marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Borrower: Co-Borrower:
Ethnicity: Check one or more Ethnicity: Check one or more
Hispanic or Latino Hispanic or Latino
Mexican Mexican
Puerto Rican Puerto Rican
Cuban Cuban
Other Hispanic or Latino - Print origin, for example, Other Hispanic or Latino - Print origin, for example,
Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran,
Spaniard, and so on: Spaniard, and so on:

Not Hispanic or Latino Not Hispanic or Latino

I do not wish to provide this information I do not wish to provide this information

Race: Check one or more Race: Check one or more

American Indian or Alaskan Native - Print name of American Indian or Alaskan Native - Print name of
enrolled or principal tribe: enrolled or principal tribe:

Asian Asian
Asian Indian Asian Indian
Chinese Chinese
Filipino Filipino
Japanese Japanese
Korean Korean
Vietnamese Vietnamese
Other Asian - Print race, for example, Other Asian - Print race, for example,
Hmong, Laottan, Thai, Pakistani, Cambodian, and so on: Hmong, Laottan, Thai, Pakistani, Cambodian, and so on:

Black or African American Black or African American

Native Hawaiian or Other Pacific Islander Native Hawaiian or Other Pacific Islander
Native Hawaiian Native Hawaiian
Guamanian or Chamorro Guamanian or Chamorro
Samoan Samoan
Other Pacific Islander - Print race, for example, Other Pacific Islander - Print race, for example,
Fijian, Tongan, and so on: Fijian, Tongan, and so on:

White White
I do not wish to provide this information I do not wish to provide this information

Sex: Sex:
Female Female
Male Male
I do not wish to provide this information I do not wish to provide this information

To Be Completed by Financial Institution (for an application taken in person):

Was the ethnicity of the borrower collected on the basis of visual Was the ethnicity of the co-borrower collected on the basis of visual
observation or surname? observation or surname?
Yes Yes
No No
Was the race of the borrower collected on the basis of visual Was the race of the co-borrower collected on the basis of visual
observation or surname? observation or surname?
Yes Yes
No No
Was the sex of the Borrower collected on the basis of visual Was the sex of the co-Borrower collected on the basis of visual
observation or surname? observation or surname?
Yes Yes
No No

Freddie Mac Form 65 6/09 Page 4 of 5 Fannie Mae Form 1003 6/09
 CONTINUATION SHEET/RESIDENTIAL LOAN APPLICATION
Borrower: Agency Case Number:
Use this continuation sheet if you
need more space to complete the
Residential Loan Application:
Mark B for Borrower or C for Co-Borrower: Lender Case Number:
Co-Borrower.

I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of
Title 18, United States Code, Section 1001, et seq.

Borrower's Signature: Date Co-Borrower's Signature: Date

X X

Freddie Mac Form 65 6/09 Page 5 of 5 Fannie Mae Form 1003 6/09
Disclosure Addendum  12-08-2020 

BUYERS' PROTECTION NOTICE 
You are herby notified, if your loan application is approved and thereafter closed, The Bank, N.A. will obtain for its sole 
benefit, an attorney's title opinion, title insurance, or other written assurance as to the state of the title to the real 
property being financed and of its mortgage priority position. The title protection document will not provide protection 
to you, the buyer. You, the buyer, should seek independent advice as to whether you should obtain any additional    
title protection documents. In the event you desire title protection, it must be obtained by you in a timely            
manner to avoid undue delay of the closing under the terms of the contract of sale, if any. 

NOTICE – RIGHT TO RECEIVE COPY OF APPRAISAL 
We may order an appraisal to determine the property's value and charge you for this appraisal. We will promptly give 
you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for you own use 
at your own cost. 

FEDERAL NOTICE FOR SALE OF INSURANCE 
Credit Disclosure   Under Federal Law, a lender may not condition an extension of credit on either: 
1. A requirement to purchase an insurance product from the lender or any of its affiliates, or
2. An agreement not to obtain, or prohibition from obtaining, an insurance product from an unaffiliated entity.
Insurance Disclosure   Insurance products are: 
1. Not a deposit or other obligation of the lender or any of its affiliates.
2. Not guaranteed by the lender or any of its affiliates.
3. Not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States, the
lender or any of its affiliates. 
4. May go down in value.

ADVERSE ACTION NOTICE 
The Bank N.A. 
201 E Carl Albert Parkway 
McAlester OK 74501 

If your application for business credit is denied, you have the right to a written statement of the specific reasons for the 
denial. To obtain the statement, please contact [Rebekah Kelton, PO Box 1067, McAlester Ok 74501, 918‐421‐4200] within 
60 days from the date you are notified of our decision. We will send you a written statement of reasons for the denial 
within 30 days of receiving your request for the statement. 

Notice: 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 creditor is [name and address as specified by the appropriate agency 
listed in appendix A]. 

I/We have read this disclosure form and understand its contents as evidenced by my/our signature(s) below.  I/We 
understand that this acknowledgement is a required part of the mortgage loan application, and hereby acknowledge 
receipt of a copy of the above disclosures. 

Borrower Signature  Date  Co-Borrower Signature  Date 

 EARLY ARM DISCLOSURE STATEMENT

The Bank N.A.

McAlester
2nd & Carl Albert Parkway
P.O. Box 1067
McAlester, OK 74502

ADJUSTABLE RATE MORTGAGE ("ARM")

IMPORTANT MORTGAGE LOAN INFORMATION -- PLEASE READ CAREFULLY
PROGRAM NAME: 5/5 ARM

Origination Co. NMLSR ID: 423416

If you wish to apply for an Adjustable Rate Mortgage loan (referred to in this disclosure as an "ARM") with The Bank N.A. (referred to in this
disclosure as "we," "us," "our" or "Lender"), you should read the information below concerning the differences between this ARM program and
other mortgage loan programs with which you may be familiar. This disclosure describes the features of the specific ARM that you are
considering. Upon your request, we will provide you with information about any other Adjustable Rate Mortgage programs we offer.
GENERAL DESCRIPTION OF AN ADJUSTABLE RATE MORTGAGE LOAN. This loan is an Adjustable Rate Mortgage loan. The applicable
interest rate may change from time to time based upon the movements of an interest rate index. This ARM program is based on the terms and
conditions set forth in this disclosure and in the loan documents. We have based this disclosure on recent interest rates, index and margin
values, and fees. Ask us for our current interest rate and margin.
You should read carefully this disclosure and the promissory note, deed of trust or mortgage, any riders and all other documents that you will be
asked to sign if we offer an ARM to you and you accept it. This disclosure is not a contract or a loan commitment. However, the loan
documents once signed will be a contract between you and us. The matters discussed in this disclosure are subject to change by us at any time
without notice.
HOW YOUR INTEREST RATE IS DETERMINED. Your interest rate will be determined by means of an index that may change from time to time.
The Index. The interest rate charged under this ARM program will be based on an interest rate index (referred to in this disclosure as the
"Index"). The Index is the Wall Street Journal Prime Rate. Information about this Index is available in the Wall Street Journal. If the Index
is no longer available, we will choose a new index that is based upon comparable information.
Interest Rate. The interest rate is based on the Index value, plus a margin. A change in the Index generally will result in a change in the
interest rate. The amount that your interest rate may change also may be affected by periodic interest rate change limitations and any
minimum or maximum interest rate limits, as discussed below.
Interest Rate Adjustments. Your interest rate under this ARM program can change every fifth year. Your interest rate cannot increase or
decrease more than 14.750 percentage points at each adjustment. However, under no circumstances will your interest rate exceed
21.000% per annum or go below the higher of the margin or 6.250% per annum at any time during the term of your loan.
HOW YOUR PAYMENTS ARE DETERMINED. Your monthly payment of principal and interest will be determined based on the interest rate, loan
term, and loan balance. If your interest rate changes, your payment will be adjusted to fully amortize the loan by the end of the loan term.
Frequency of Payment Changes. Based on increases or decreases in the Index, payment amounts under this ARM program can change
every fifth year.
Payment Example. Your payment may increase or decrease substantially depending on changes in the interest rate. For example, on a
$10,000, 30-year loan with an initial interest rate of 6.250% (the index rate in effect October 2017, plus a margin of 0.500%, adjusted if
necessary for any minimum and maximum rates for this loan as described above), the maximum amount that the interest rate can rise
under this program is 14.750 percentage points to 21.000%, and the monthly payment can rise from an initial payment of $61.60 to a
maximum of $164.35 in the sixth year.
Note: To see what your payments would be, divide your mortgage amount by $10,000; then multiply the monthly payment by
that amount. (For example, the monthly payment for a mortgage amount of $60,000 would be: $60,000 divided by $10,000 =
6; 6 X $61.60 = $369.60 monthly.)
Adjustment Notice. You will be notified at least 210, but no more than 240, days before the first payment at the adjusted level is due after
the initial interest rate adjustment of the loan. This notice will contain information about the adjustment, including the rate, payment
amount, and loan balance. You will also be notified at least 60, but no more than 120, days before the first payment at the adjusted level
is due after any interest rate adjustments resulting in a corresponding payment change. This notice will contain information about the
adjustment, including the interest rate, payment amount, and loan balance.
LaserPro, Ver. 17.3.0.019 Copr. D+H USA Corporation 1997, 2017. All Rights Reserved. - OK c:\APPS\PROSUITE\CFI\LPL\B12.FC PR-75
 The Bank N.A.
ELECTRONIC MORTGAGE LOAN DISCLOSURE AGREEMENT
By accepting “The Bank N.A.’s Electronic Signature Mortgage Loan Disclosure Agreement”, you consent and agree
that The Bank N.A. may provide you disclosures related to your current loan, existing loans, and any loans you may
wish to apply for in the future electronically. This Disclosure is required by the federal Electronic Signatures in Global
and National Commerce Act, known as the E-SIGN Act.

 Note: It is highly recommended that you carefully read this disclosure in its entirety and save a copy for your
personal records.

The words “we,” “us,” and “our” refer to The Bank N.A., and the words “you” and “your” mean you, the individual(s) or
entity identified on the Mortgage Loan. As used in the Disclosure, “Account” means the account you have with us.

Disclosures and Notices Provided in Electronic Form

 You agree that we may provide you with any disclosures related to your current loan, existing loans, and
any loans you may wish to apply for in the future in electronic format, to the extent allowed by law, and that
we may discontinue sending paper documents to you, unless and until you withdraw your consent as
described below.
 If you choose to not consent to receive electronic communications and transactions, you may request to
receive paper copies at no additional charge.

 Note: To request a paper copy of disclosures, please contact The Bank N.A. at:

The Bank N.A.

P.O. Box 1067
McAlester, OK 74502
(918) 423-2265 ext. 7160
[email protected]

Hardware and Software Requirements

To access, view, and retain electronic communications your system will need the following requirements:

 Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit;
 An email account with an Internet service provider and email software;
 A personal computer (PC: Pentium 120 Hhz or higher/Macintosh, Power Mac 9500, Power PC 604
processor: 120-MHz Base or higher), operating system and telecommunications connections to the
Internet capable of receiving, accessing, displaying, and either printing or storing Communications received.
 Adobe Reader version 8.0 or higher
 Windows 2000 or later version running either Internet Explorer version 6.0 or higher or Firefox version 3.0 or
higher, or Macintosh OSX 10.2 or higher running Safari web browser.

The Bank N.A. Page 1

 
  Note: The Bank N.A. is not responsible for any electronic virus or viruses a customer may encounter. It is
the Banks recommendation for the customer to perform routine scans for your PC by using a virus
protection product.

How to Cancel Electronic Disclosure Consent

 You may withdraw your consent to receive account information at any time in electronic form by:
1. Calling The Bank N.A. at either 918-423-2265 ext. 7160 (toll free) or 800-259-2262 ext. 7160
2. Contacting your Account officer at the nearest The Bank N.A. branch.

Termination / Changes

 The Bank N.A. reserves the right, in sole discretion, to discontinue the provision of your account information
electronically, or to terminate or change the terms and conditions on which we provide account information
electronically. The Bank will provide you with notice of any such termination or change as required by law.

Customer Consent:

I acknowledge and agree that I consent to receive account information electronically that is being provided in
connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in
Global and National Commerce Act, and that I and the Bank both intend that the Act apply to the fullest extent
possible to validate our ability to conduct business with one another by electronic means.

Yes, I consent to receive legal disclosures electronically and to the terms and conditions listed above.

No, I do not consent to receive legal disclosures electronically and to the terms and conditions listed above.

Customer Contact Information:

Full Name:

Email Address:

Contact Number:

For The Bank N.A. Office Use Only:

Received By: Date:

Processed By: Date:

The Bank N.A. Page 2

 
 The Bank N.A.
ELECTRONIC MORTGAGE LOAN DISCLOSURE AGREEMENT
By accepting “The Bank N.A.’s Electronic Signature Mortgage Loan Disclosure Agreement”, you consent and agree
that The Bank N.A. may provide you disclosures related to your current loan, existing loans, and any loans you may
wish to apply for in the future electronically. This Disclosure is required by the federal Electronic Signatures in Global
and National Commerce Act, known as the E-SIGN Act.

 Note: It is highly recommended that you carefully read this disclosure in its entirety and save a copy for your
personal records.

The words “we,” “us,” and “our” refer to The Bank N.A., and the words “you” and “your” mean you, the individual(s) or
entity identified on the Mortgage Loan. As used in the Disclosure, “Account” means the account you have with us.

Disclosures and Notices Provided in Electronic Form

 You agree that we may provide you with any disclosures related to your current loan, existing loans, and
any loans you may wish to apply for in the future in electronic format, to the extent allowed by law, and that
we may discontinue sending paper documents to you, unless and until you withdraw your consent as
described below.
 If you choose to not consent to receive electronic communications and transactions, you may request to
receive paper copies at no additional charge.

 Note: To request a paper copy of disclosures, please contact The Bank N.A. at:

The Bank N.A.

P.O. Box 1067
McAlester, OK 74502
(918) 423-2265 ext. 7160
[email protected]

Hardware and Software Requirements

To access, view, and retain electronic communications your system will need the following requirements:

 Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit;
 An email account with an Internet service provider and email software;
 A personal computer (PC: Pentium 120 Hhz or higher/Macintosh, Power Mac 9500, Power PC 604
processor: 120-MHz Base or higher), operating system and telecommunications connections to the
Internet capable of receiving, accessing, displaying, and either printing or storing Communications received.
 Adobe Reader version 8.0 or higher
 Windows 2000 or later version running either Internet Explorer version 6.0 or higher or Firefox version 3.0 or
higher, or Macintosh OSX 10.2 or higher running Safari web browser.

The Bank N.A. Page 1

 
  Note: The Bank N.A. is not responsible for any electronic virus or viruses a customer may encounter. It is
the Banks recommendation for the customer to perform routine scans for your PC by using a virus
protection product.

How to Cancel Electronic Disclosure Consent

 You may withdraw your consent to receive account information at any time in electronic form by:
1. Calling The Bank N.A. at either 918-423-2265 ext. 7160 (toll free) or 800-259-2262 ext. 7160
2. Contacting your Account officer at the nearest The Bank N.A. branch.

Termination / Changes

 The Bank N.A. reserves the right, in sole discretion, to discontinue the provision of your account information
electronically, or to terminate or change the terms and conditions on which we provide account information
electronically. The Bank will provide you with notice of any such termination or change as required by law.

Customer Consent:

I acknowledge and agree that I consent to receive account information electronically that is being provided in
connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in
Global and National Commerce Act, and that I and the Bank both intend that the Act apply to the fullest extent
possible to validate our ability to conduct business with one another by electronic means.

Yes, I consent to receive legal disclosures electronically and to the terms and conditions listed above.

No, I do not consent to receive legal disclosures electronically and to the terms and conditions listed above.

Customer Contact Information:

Full Name:

Email Address:

Contact Number:

For The Bank N.A. Office Use Only:

Received By: Date:

Processed By: Date:

The Bank N.A. Page 2

 
 
The Bank N.A.
Marijuana Related Business Activity Verification

Customer/Entity Name:________________________________ SSN/EIN:____________________

It is the policy of the Bank to comply with the provisions of the federal Controlled Substances Act of
1970. The Controlled Substances Act imposed a series of restrictions in the form of five different
levels, or schedules, starting with Schedule 1. Currently marijuana is listed as a Schedule 1 drug in
the Act.

The State of Oklahoma voters passed State Question 788 in 2018, which made medicinal marijuana
legal at the State level and established standards for individuals to obtain licenses and commercial
entities/individuals to obtain licenses for becoming growers, processors, or dispensaries within the
State of Oklahoma.

Because marijuana is currently a listed Schedule 1 drug and The Bank N.A. is a nationally chartered
institution, The Bank N.A. will not allow any customer who directly holds a grower, processor, or
dispensary license to conduct marijuana related business through any account at The Bank N.A.

Please complete the following:

Do you or any business you have ownership in participate in any Marijuana Related Business?
___Yes ___No

Do you or any business you have ownership in hold an Oklahoma Medical Marijuana Grower,
Processor or Dispensary License? ___Yes ___No

I understand that marijuana related business activity is prohibited by federal law and agree not to
conduct marijuana related business through any account held or loan proceeds received from The
Bank N.A. _________ (Initial)

I hereby certify that the above statements are true and correct to the best of my knowledge. I
understand that any false statement may result in account closure.

Signature________________________________ Date__________________

02/05/19 Accepted By:________________

   
CDD-MRB                                                                       Date:____________________