PERSONAL LOAN APPLICATION

[SEE REVERSE SIDE FOR IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT]
IMPORTANT: Read these Directions before completing this Application. Check the Appropriate Box.
If you are applying for individual credit or an individual account, in your own name, and are relying on your own income or assets and not the income or assets of another person as the basis for repayment
of the credit requested, complete only Sections A-D. If the requested credit or account is to be secured, also complete the first part of Section F.
If you are applying for joint credit with another person or for a joint account or an account that you and another person will use, complete all Sections, providing information in Section E about the joint
applicant.
We intend to apply for joint credit. Applicant _____________________________________________________ Co-Applicant ___________________________________________________
If you are applying for individual credit or an individual account, but are relying on income from alimony, child support, or separate maintenance or on the income or assets of another person as the basis for
repayment of the credit requested, complete all Sections to the extent possible, providing information in Section E about the person on whose alimony, support, or maintenance payments or income or assets you
are relying.

SECTION A - APPLICANT
NAME (Please print full name) HOME PHONE CELL PHONE AMOUNT OF LOAN REQUESTED REQUESTED MOS. TO PAY
Marcus J. Alvarez (212) 445-7821 (917) 663-1248 $18,500 48
PRESENT STREET ADDRESS HOW LONG AT THIS ADDRESS: PURPOSE OF LOAN
1749 Crescent Ave 3 years 4 months Home Renovation
CITY, STATE AND ZIP E-MAIL ADDRESS: COLLATERAL OFFERED AND HOW OWNED
Brooklyn, NY 11226 marcus@[Link]
IMMEDIATE PREVIOUS ADDRESS HOW LONG AT THIS ADDRESS: 2019 Toyota Camry Owned Free & Clear
22 Willowbrook Rd 5 years
CITY AND STATE ZIP Have you ever applied to us for a loan?
Newark, NJ 07107 07107 Yes No If Yes, When?
SOCIAL SECURITY NUMBER DRIVERS LICENSE NUMBER - STATE BIRTH DATE NO. OF DEPENDENTS - LIST BY AGE
421-77-9328 A987456321 NY 07/16/1987 2 (ages 7, 11)
NAME, ADDRESS AND RELATIONSHIP OF TWO NEAREST RELATIVES NOT LIVING WITH YOU OTHER THAN A PRESENT OR FORMER SPOUSE ARE YOU A U.S. CITIZEN?
Claudia Ramirez (Sister) 89 E 56th St, Bronx, NY 10451 (347) 228-9904, Daniel Alvarez (Cousin) 215 Maple Ave, Jersey City, NJ 07305 (551) 245-3341 Yes No
MY PRINCIPAL FINANCIAL INSTITUTION IS: Services Checking Account Savings Account Safe Deposit Loan OTHER FINANCIAL INSTITUTIONS USED
CitiBank presently used: No. No. Cert. of Deposit Chase Credit Card
SECTION B - INCOME AND EMPLOYMENT
PRESENT EMPLOYER SALARY AND WAGES Monthly Income
Sterling Construction Group $6,850
EMPLOYER ADDRESS BUSINESS PHONE OTHER INCOME- From Whom or Describe (Alimony, child support, or separate
maintenance income need not be revealed if you do not wish to have it
1225 Atlantic Ave, Brooklyn, NY 11233 (718) 905-2211 considered as a basis for repaying this obligation )
POSITION OR TITLE DATE OF EMPLOY
Project Manager 09/12/2017
PREVIOUS EMPLOYER AND ADDRESS
MetroBuild - 458 Newark, Jersery City, NJ-07306
POSITION OR TITLE YEARS EMPLOYED TOTAL MONTHLY
Site Engineer 5 INCOME $7,600
Is any income listed in this Section likely to be reduced in the next two years or before the credit requested is paid off?
No Yes (Explain in detail, use separate sheet if needed): _____________________________________________________________________________________________________________________________________
If you have chosen to disclose income from alimony, child support or separate maintenance, is such income pursuant to: How Long Received How Often From Whom
Written Agreement Court Decree Other

SECTION C - ASSETS
AUTOS (Make, Model, Year) VALUE VALUE VALUE TOTAL VALUE
2019 Toyota Camry Value: $14,500 2016 Honda Civic Value: $7,200 $21,700
REAL ESTATE (Location) DATE OCCUPIED VALUE
1749 Crescent Ave, Brooklyn, NY 11226 06/2019 $385,000
REAL ESTATE (Location) DATE OCCUPIED VALUE
22 Willowbrook Rd, Newark, NJ 07107 (Rental Property) 03/2012 $210,000
LIFE INSURANCE (Name each Company) FACE VALUE CASH VALUE
Prudential Life Insurance $150,000 $6,500
OTHER ASSETS (Describe) ESTIMATED VALUE
Savings Account $12,000, Retirement Fund (401k) $28,000, Jewelry & Personal Valuables $5,500 $45,500
AUTO INSURANCE AGENTS: (Name and Address) TOTAL
Liberty Mutual Insurance 55 Water St, New York, NY 10041 ASSETS $668,700D
SECTION D - LIABILITIES AND INDEBTEDNESS
List below all indebtedness to banks, credit unions, stores, finance companies, individuals and other creditors, including obligations to pay alimony, child support, separate maintenance, rent, mortgages, etc.
CREDITOR TYPE OF DEBT OR ORIGINAL PRESENT COLLATERAL MONTHLY
ACCOUNT NUMBER DEBT AMOUNT OWED PAYMENT
LANDLORD OR MORTGAGE HOLDER Rent Payment (omit rent) (omit rent)
Yes Mortgage

Wells Fargo Home Mortgage Mortgage 1749 Crescent Ave, Brooklyn, NY

$280,000 $245,000 Crescent Ave $1,450
Bank of America Mortgage Services 22 Willowbrook Rd, Newark, NJ (rental)
$150,000 $98,000 Willowbrook Rd $920

CREDIT CARDS

Chase Visa $7,500 $2,800 $150

LIABILITIES MONTHLY PAYMENTS
Totals $347,000 $2,595

Have you ever been bankrupt or had any judgments or garnishments against you? MONTHLY DEBT ASSETS TO
NO YES - WHEN? TO INCOME 0.00 % LIABILITIES: 0.00 %

SECTION E - JOINT APPLICANT, USER OR OTHER PARTY (Use separate sheets, if needed.)
If this Section of Application is completed, the indebtedness of Co-Applicant/Guarantor/Endorser must be shown under the "Liabilities and Indebtedness" Section above. (Alimony, child support, or separate maintenance income
need not be revealed if you do not wish to have it considered as a basis for repaying this obligation)
NAME AND RELATIONSHIP TO APPLICANT ADDRESS CO-APPLICANT CO-SIGNER
Elena Alvarez Spouse 1749 Crescent Ave, Brooklyn, NY 11226 GUARANTOR ENDORSER
EMPLOYED BY HOW LONG POSITION OR TITLE BUSINESS PHONE HOME PHONE SOCIAL SECURITY NUMBER BIRTH DATE
Brooklyn General Hospital 6 years Registered Nurse (718) 660-2231 (917) 555-4419 533-29-8417 03/11/1988
MONTHLY INCOME OTHER INCOME TOTAL INCOME DRIVERS LICENSE NUMBER - STATE
$5,200 None $ $5,200 N876543210 NY
Is any income listed in this Section likely to be reduced in the next two years or before the credit requested is paid off?
No Yes (Explain in detail, use separate sheet if needed):
NAME, ADDRESS AND RELATIONSHIP OF TWO NEAREST RELATIVES NOT LIVING WITH YOU OTHER THAN A PRESENT OR FORMER SPOUSE ARE YOU A U.S. CITIZEN?
Maria Torres (Sister) 442 Belmont Ave, Bronx, NY (347) 550-9120, Robert Alvarez (Brother-in-law) 51 Pine St, Queens, NY (646) 332-7810 Yes No
MY PRINCIPAL FINANCIAL INSTITUTION IS: Services Checking Account Savings Account Safe Deposit Loan OTHER FINANCIAL INSTITUTIONS USED
TD Bank presently used: No. No. Cert. of Deposit
SECTION F - MARITAL STATUS
APPLICANT: Married Separated Unmarried (including single, divorced, and widowed) OTHER PARTY: Married Separated Unmarried (including single, divorced, and widowed)

SIGNATURES
Everything that I have stated in this application is correct to the best of my knowledge. I understand that you will retain this application whether or not loan is approved. You are authorized to check
my credit and employment history and to answer questions about your credit experience with me.
APPLICANTS SIGNATURE CO-APPLICANT/CO-SIGNER/GUARANTOR/ENDORSER SIGNATURE (Where Applicable)

X X
DATE DATE

Form 03 0642 1 © Copyright 10/05 American Bank Systems, Inc.

(Non-community Property)
 IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to
identify you. We may also ask to see your driver's license or other identifying documents.

Form 03 0642 1 © Copyright 10/05 American Bank Systems, Inc.

(Non-community Property)
 DATE

INSURANCE DISCLOSURES – CONSUMER CREDIT APPLICATIONS

CONSUMER(S) NAME FINANCIAL INSTITUTION NAME AND ADDRESS

Marcus Alvarez 1749 Crescent Ave, Brooklyn, NY 11226

CONSUMER(S) ADDRESS

CitiBank N.A.
399 Park Avenue
New York, NY 10022

In this disclosure, the terms "you" and "your" refer to the Consumer(s) named above. The terms "we," "us" and "our" refer to the Financial Institution.
Loan application type: Personal Loan .

PURCHASE OF INSURANCE OR AN ANNUITY FROM US IS NOT REQUIRED

PURCHASE OF INSURANCE OR AN ANNUITY FROM OTHERS IS NOT PROHIBITED

In no way will our decision to extend credit to you be based or conditioned upon whether or not you
purchase an insurance product or annuity from us or any affiliate of ours; nor will we prohibit you or
ask you not to obtain an insurance product or annuity from an unaffiliated entity.

Consumer Acknowledgment
By signing below you acknowledge receiving a copy of this written disclosure and (except for transactions conducted by mail) that the
disclosures were also orally given to you by the Financial Institution.
Dated: 08/22/2025 .
(If you have received this disclosure in the mail, please return a signed copy to the Financial Institution.)

Financial Institution Certification

(Check if applicable). The Consumer's application for credit was taken by telephone. The undersigned on behalf of the Financial Institution certifies
giving these disclosures orally to the Consumer(s) at the time of application and that an oral acknowledgment of receipt of the disclosures was obtained
from the Consumer(s). These disclosures were mailed to the Consumer(s) at the address noted above within 3 business days beginning the first business
day after the application was taken, as permitted by federal regulation.

Dated: 08/22/2025 By: Richard L. Coleman Loan Officer

Form 03 0818 3 © Copyright 05/07 American Bank Systems, Inc.

STATEMENT OF INTENT TO APPLY FOR INDIVIDUAL OR JOINT CREDIT
FINANCIAL INSTITUTION NAME AND ADDRESS APPLICANT(S) NAME

CitiBank N.A., 399 Park Avenue, New York, NY 10022 Marcus J. Alvarez

APPLICANT(S) ADDRESS

1749 Crescent Ave, Brooklyn, NY 11226

Regarding the application for credit in the amount of __________$18,500

08/22/2025
________________________ made on _______________________________ (date)
with the above Financial Institution:

Check Applicable Box

I am applying for individual credit in my own name, and I am relying on my own income or assets and not the income or assets of another
person as the basis for repayment of the credit requested.

I am applying for individual credit, but I am relying on income from alimony, child support, or separate maintenance or on the income or assets
of another person as the basis for repayment of the credit requested.

We intend to apply for joint credit.

SIGNATURE(S)

Applicant Co-Applicant (where applicable)

Form SOI-IJC © Copyright (03/05) by American Bank Systems