CHRISTMAS SKIP-A-PAY IS BACK!!!!!!!!!!!

From now until December 31, 2009, Laclede Community Credit Union is giving you a Christmas present! We will let you skip a loan payment once per loan to give you some extra cash for the holidays! Just contact the Loan Department about putting a little holiday spending money in your pocket today!

**certain restrictions do apply

CHRISTMAS SKIP-A-PAYMENT APPLICATION

Laclede Community Credit Union

618-465-2504

618-465-1542 fax

Member  name: ________________________      Account No.: ______________

Social Security No.: ____________________       Daytime phone: _____________

Loan Suffix (es) to be skipped: ___________        Skip month : Sept   Oct  Nov  Dec  (circle one)  

Are you payroll deduction or automatic payments? Yes or No

____________________________________________________________________

Please circle the appropriate answer for each of the following questions:

Do you have any loans that are currently more than thirty (30) days past due? Yes or No

                *If Yes, how many days are you currently past due? __________

Have you had any loan over sixty (60) days past due in the past six months? Yes or No

**Restrictions:  Loan cannot currently be more than thirty (30) days delinquent or have been more than sixty (60) days delinquent in the past six (6) months.  Six full payments must be received prior to December 1.  Not available for VISA, mortgage or second mortgage payments. 

Disclosure:  Fee is $25 per loan, which must be paid before the application can be processed and can be deducted from ANY credit union account.  Fee does not apply towards interest or principal.  Interest continues to accrue for the month of December.  Skipping the December payment will extend the payoff period of your loan.  Payroll deduction funds will be redirected into your share account for the month of December. 

_____________________________                                      ___________________________

Applicants Signature / Date                                                        Co-applicant Signature/ Date

For Credit Union Use Only – Do Not write below this line!________________________________________________________

�         Took $_______ fee out of suffix ______ or received cash pmt

�         Changed due date from _______ to _______ on loan ________

�         Changed due date from _______ to _______ on loan ________

�         Made changes to P/R, ACH, or Automatic Transfer Screen

                   _________________________________________________________

                   Comments

                   __________________________        _______________

                            Approving loan officer                   Date