I/we certify that the information provided in this application is true, accurate, and complete. The term “I/we” refers to any individual applicant, joint applicants, and/or any person signing on behalf of a business or farm borrower, as applicable. I/we agree to promptly notify Peoples Bank of Kentucky (“the Bank”) of any material change in financial condition. I/we authorize the Bank to obtain and verify credit and financial information about the applicant/borrower and, if applicable, any co-applicant, principals, authorized signers, and guarantors, including consumer and/or commercial credit reports, tax returns, bank references, trade references, and other information as permitted by law. This authorization applies to this online application and throughout the life of any credit relationship and includes information obtained electronically or by any lawful means. I/we authorize the Bank to report credit experience to consumer and/or commercial credit reporting agencies, as applicable, and to exchange credit information with others as permitted by law. If collateral is pledged by a business or entity borrower, I/we authorize the Bank to file UCC financing statement and amendments necessary to perfect and maintain its security interest in such collateral. I/we agree to provide current and future financial statements, tax returns, and other information as reasonably requested during the term of any credit extended. I/we understand that environmental assessments and/or property appraisals may be required and agree to cooperate and, where applicable, pay associated costs. I/we agree to provide identifying information required by federal law and certify that no party to this application is prohibited under OFAC or other applicable regulations. This application does not constitute a commitment to lend. No obligation exists until credit is approved and formal loan documents are executed. By clicking “Submit” and signing electronically, I/we acknowledge that I/we have read agree to these terms, have reviewed and agreed to the Bank’s E-Sign User Agreement & Disclosure, authorize the Bank to obtain and use information as described, and intend to sign this application electronically in my/our individual capacity and/or on behalf of the borrower. This action constitutes a legal electronic signature.