Credit Report Authorization

By continuing with the application process, you understand and agree that you are authorizing Blue Ridge Bank, member FDIC, and Meritize Financial Inc (“Meritize”) to each obtain consumer reports and related information about you from one or more consumer reporting agencies, such as Equifax, and/or other third party source.

You authorize Blue Ridge Bank and Meritize to verify the information you provided, including but not limited to contacting third parties to do so, and to report to credit reporting agencies its credit experiences with you. You further direct Blue Ridge Bank and Meritize to use your consumer reports to authenticate your identity, to make credit decisions, and for other related purposes.

You expressly authorize Blue Ridge Bank and Meritize to obtain consumer reports from consumer reporting agencies about you (1) in identifying available product options; (2) in evaluating any application; (3) in servicing or monitoring any product you may obtain from us and/or collecting or enforcing any loan that you may receive from us; (4) in providing your credit data to you; (5) in offering you financial products and services; and/or (6) for other related purposes. You understand that, after evaluating your complete application and checking your report, we may decide not to offer credit or products to you.

You expressly authorize Blue Ridge Bank and Meritize to use the information that we obtain from such reports along with your application information to, among other things, market refinancings and other products to you, determine your eligibility for other products that Blue Ridge Bank and/or Meritize may offer or that you may apply for, make decisions related to the servicing and collection of your account, measure how the credit product you obtained from Blue Ridge Bank and/or Meritize impacts your credit, perform other statistical analysis, and share information with you about your credit profile.

You certify that the information you have provided is true, and you understand it will be relied upon by Blue Ridge Bank and Meritize in evaluating you for available credit offers. Only upon acceptance of an offer will Blue Ridge Bank and/or Meritize report a hard inquiry to the consumer reporting agencies.