Borrower receive orientation regarding proper completion of application forms, documents to be submitted, and co-maker requirements.

Borrower submits completed application forms for self and co-maker and required documents.

PJH begins fast-track credit checking at borrower and co-maker as soon as submittals are complete. PJH completes credit checking within 24 hours and immediately reports the result to the borrower.

If loan is approved, PJH informs borrower and comaker of the schedule for check opening.

Borrower and co-maker open up a joint checking account at a PJH associated bank as scheduled lacking documents must be submitted prior to opening a joint checking account.

Borrower and co-maker fill-out the post dated checks representing the amortization of the loan and sign the promissory note.

PJH releases the loan.