1.8 Personal Information

This topic describes the section of the application form where you can provide your personal information. In case of applying jointly and the joint applicant is a new to bank customer, a similar section will be part of the form in which you can enter personal information of the joint applicant.

You can opt to upload your ID proof so as to have your information pre-populated on the basis of the ID document.

In the case of joint applications, the personal information of both applicants i.e., the primary applicant as well as the joint applicant will need to be captured.

There will be two separate sections to capture this information of each applicant, which will have headers as Primary Applicant – Personal, Joint Applicant – Personal, respectively.

Figure 1-12 Personal Information - Basic Details

Description of "Figure 1-12 Personal Information - Basic Details"

Note:

The fields which are marked as Required are mandatory.

For more information on fields, refer to the field description table.

Table 1-9 Personal Information - Basic Details - Field Description

Field Name	Description
Upload documents to prefill this section	Click this link to upload an ID proof document so as to auto fill this section with the information available in your ID proof. These documents will also serve to support your application.
View list of supporting documents	Click on the link to view the documents supported for this section to be prefilled with data.
Title	The salutation/title applicable to the applicant. Examples of salutation are Mr., Mrs., Dr. etc.
First Name	Specify the first name of the applicant.
Middle Name	Specify the middle name of the applicant, if applicable.
Last name	Specify the last name of the applicant.
Suffix	Specify the suffix of the applicant, if applicable. Examples are Jr, Sr, I, II, etc.
Date of Birth	Specify the date of birth of the applicant. The system validates your date of birth against your state of residence (as identified on the basis of zip code entered in the zip code modal window) so as to identify whether you have attained age of majority as per your state specifications. The format of the date should be MM/DD/YYYY.
Citizenship	Specify the country of your citizenship.
Citizenship Status	In case you are not a citizen of the United States of America, you are required to identify whether you are a resident alien or non-resident alien. The options are: Resident Alien Non-Resident Alien This field is displayed only if any country other than United States is selected in the “Citizenship” field. In case Non-Resident Alien is selected, an error message will be displayed stating that you will not be allowed to proceed with the application online. Only U.S. citizens or resident aliens will be able to submit online applications.
Gender	Select the gender of the applicant from the drop-down list. The options are: Male Female Other Do not wish to disclose
Are you a public figure or associated with a public figure?	Specify whether you are a public figure (aka politically exposed person) or related to a public figure. The options are: Yes No
Are you an employee of the bank?	This field captures the applicant's relationship with the bank in terms of employment i.e. whether the applicant is an employee of the bank or not. This information is captured to handle possible conflicts of interest and to provide special employee benefits, if applicable. The options are: Yes No
Are you an insider of the bank?	Specify whether you are an insider of the bank or related to an insider of the bank i.e. whether you or a relative hold a position of importance in the bank such as director, senior management, major shareholder, etc. The options are: No Yes I related to an insider
Applicant’s Relationship to Insider	Specify your relationship with the insider i.e. select the value that describes how you are related to the insider. E.g. If the insider of the bank is your father, select the value ‘Daughter’ or ‘Son’ as required. This field will be displayed only if you have selected the option, I am related to an insider from the Are you an insider of the bank? List.
Insider’s Relationship to Applicant	Specify how the insider is related to you. E.g. If the insider of the bank is your father, select the value ‘Father’. This field will be displayed only if you have selected the option, I am related to an insider from the Are you an insider of the bank? List.
Insider’s Banking Customer ID	Specify the customer ID/party ID of the Bank employee. This field will be displayed if the option I am related to an Insider selected in the Are you an insider of the bank? list.
Role	Specify the role at which you or your relation is employed with the bank. This field will be displayed if the options Yes or I am related to an Insider is selected from the Are you an insider of the Bank? list.
Are you associated with the Defense?	Specify whether you are a serving defense officer or a dependent of a serving defense officer. The options are: No I am a defense officer I am a defense officer dependent
Applicant's Relationship to Defense Officer	Specify your relationship to the serving defense officer. E.g. If the defense officer is your father, select the value ‘Daughter’ or ‘Son’ as required. This field will be displayed if the option I am a defense officer dependent is selected in the Are you associated with the Defense? list.
Defense Officer’s Relationship to Applicant	Specify how the defense officer is related to you. E.g. If the defense officer is your father, select the value ‘Father’. This field will be displayed if the option I am a defense officer dependent is selected in the Are you associated with the Defense? list.
Customer ID of Defense Officer	Specify the customer ID (as registered with the bank) of the related serving defense officer. This field will be displayed if the option I am a defense officer dependent is selected in the Are you associated with the Defense? list.
Service Branch	Select your branch of service (in case you are a defense officer) or the branch of service of the Defense officer of whom you are a dependent. This field will be displayed if you have selected the option I am a defense officer in the Are you associated with the Defense? list.
Rank	Rank of the defense officer. This field will be displayed if you have selected the option I am a defense officer in the Are you associated with the Defense? list.
Eligible for Military Lending Act?	Specify whether you are serving active military duty currently. The options are: Yes No This field will be displayed if you have selected the option I am a defense officer in the Are you associated with the Defense? list.
Unit Name	Specify the name of the unit or department in which you are serving as a defense officer. This field will be displayed if you have selected the option I am a defense officer in the Are you associated with the Defense? list.
Active Duty Start Date	The date on which you start active duty. This field will be displayed if you have selected the option I am a defense officer in the Are you associated with the Defense? list.
Active Duty End Date	The date on which your active duty ends. This is an optional field. This field will be displayed if you have selected the option I am a defense officer in the Are you associated with the Defense? list.
Notification Date	The date on which you have been notified of being eligible for the military lending act. This field will be displayed if you have selected the option I am a defense officer in the Are you associated with the Defense? list.

Note:

The bank might design certain loan products specifically for women. For such products, if the applicant selects a value under the field Gender that is other than Female, the system will display an error message and the applicant will not be able to proceed with the application form.

1. Click the Upload documents to prefill this section option to upload the supporting documents to prefill the section.
2. In the Basic Details section, enter the required details.
   1. From the Title list, select the title that applies to you.
   2. In the First Name field, enter your first name.
   3. In the Middle Name field, enter your middle name, if applicable.
   4. In the Last Name field, enter your last name.
   5. From the Suffix list, select the suffix, if applicable
   6. From the Date of Birth date picker, select your date of birth of yours.
   7. From the Gender list, select your gender.
   8. In the Citizenship list, select the country of which the applicant is a citizen.
   9. From the Citizenship Status list, select the status of the citizenship in case you are not a citizen of the United States of America.
   10. In the Are you a public figure or associated with a public figure? field, specify whether you are a politically exposed person or related to a politically exposed person.
   11. Under the Are you an employee of the bank? field, select Yes if you are currently serving as an employee of the bank, or select No if you are not an employee of the bank.
   12. From the Are you an insider of the bank? list, select the option applicable to you.
       • If you select the option I am related to an Insider;
         1. From the Applicant’s Relationship to Insider list, select the value that describes how you are related to the insider.
         2. From the Insider’s Relationship to Applicant list, select the value that describes how the insider is related to you.
         3. In the Insider's Banking Customer ID field specify the customer ID/party ID of the insider.
         4. From the Role list, specify the role at which you or your relation is employed with the bank.
   13. From the Are you associated with the Defense? list, select the option that best applies to you.
       • If you select the option I am a defense officer dependent
         1. From the Defense Officer’s Relationship to Applicant list, select the value that defines how the defense officer is related to you.
         2. From the Applicant’s Relationship to Defense Officer list, select the value that defines how you are related to the defense officer.
         3. In the Customer ID of Defense Officer field, enter the customer ID of the related serving officer considering that he/she (SO) is an existing customer of the bank.
       • If you select the option I am a defense officer.
         1. From the Service Branch list, select your branch of service.
         2. In the Rank field, enter your current Military Rank.
         3. In the Eligible for Military Lending Act? field, select the option to specify whether or not you are serving active duty currently.
            • If you have selected option Yes,
              1. In the Unit Name field, specify the name of the unit or department with which you are associated.
              2. From the Active Duty Start Date date picker list, select the date on which you have or will start active duty.
              3. From the Active Duty End Date date picker list, select the date on which your active duty will end. If you are currently serving active duty and are not aware as to when it will end, leave this field blank.
              4. From the Notification Date date picker list, select the date on which you had been notified about being eligible for the military lending act.
3. Click Continue to move to next sub-section.
   The Identity sub-section appears.

   Figure 1-13 Personal Information - Identity

   
   

   
   Description of "Figure 1-13 Personal Information - Identity"

   
   
4. In the Identity sub-section, specify the required details.

   Note:

   The fields which are marked as Required are mandatory.

   For more information on fields, refer to the field description table.

   Table 1-10 Personal Information - Identity - Field Description

   Field Name	Description
   Social Security Number	Specify the Social Security Number (SSN) for tax identification purposes. Your Social Security Number is a 9 digit number issued by the U.S. government to U.S. citizens, permanent residents and temporary residents for taxation and other purposes. The format of the SSN number should be xxx-xx-xxxx.
   Identification Type	Select the type of identification that the applicant wishes to provide as proof of identity. The options are: Passport Driving License
   Issuing State	The state/territory in which the specified ID was issued.
   ID Number	The applicant’s identity number of the proof of identity selected.
   Valid Till	The date till which the identification document is valid. This field is optional.

5. In the Identity sub-section;
   1. In the Social Security Number field, enter your Social Security Number (SSN) for tax identification purposes.
   2. From the Identification Type list, select an identification document which you would like to provide as proof of identity.
   3. From the Issuing State list, select state/territory in which the specified ID was issued.
   4. In the ID Number field, enter the identity number of the proof of identity selected.
   5. From the Valid till date picker, select the date till which the identification document is valid, if required.
6. Click Continue to move to next sub-section.
   The Contact sub-section appears.

   Figure 1-14 Personal Information - Contact

   
   

   
   Description of "Figure 1-14 Personal Information - Contact"

   
   
7. In the Contact sub-section, enter the required details.

   Note:

   The fields which are marked as Required are mandatory.

   For more information on fields, refer to the field description table.

   Table 1-11 Personal Information - Contact - Field Description

   Field Name	Description
   Home Address	Enter the applicant’s address in this field.
   Home Address Overlay	This overlay is displayed when you click on the Click Here link available under the Home Address field. On this overlay, you can enter the applicant’s address line by line.
   House/Unit Number	Enter the applicant’s house or flat number.
   Building Name	Enter the building name of the applicant’s home address.
   Street	Specify the street address of the applicant’s home address.
   City	Specify the city in which the applicant resides.
   State	Select the state in which the applicant’s home address is located.
   Locality	Specify the locality in which the applicant’s home address is located.
   Zip Code	Specify the zip code of the applicant’s home address.
   Address Since	Specify the date since when you have been residing at this address. This field will only be displayed if address stability verification is required for the product as maintained in the mid-office system.
   Is your mailing address the same as above?	Identify if the applicant's mailing address is the same as the home address entered. The options are: Yes No
   Mailing Address	Enter the applicant's mailing address in this field. This option will appear only if you have selected option No under the Is your mailing address the same as above? field.
   Mailing Address Overlay	This overlay is displayed when you click on the Click Here link available under the Mailing Address field. On this overlay, you can enter your mailing address line by line.
   House/Unit Number	Enter the house or flat number of the applicant’s mailing address.
   Building Name	Enter the building name of the applicant’s mailing address.
   Street	Specify the street address of the applicant’s mailing address.
   City	Specify the city in which the applicant’s mailing address is located.
   State	Specify the state in which the applicant’s mailing address is located.
   Locality	Specify the locality in which the applicant’s mailing address is located.
   Zip Code	Enter the zip code of the applicant’s mailing address.
   Address Since	Specify the date since when you have been using this mailing address. This field will be hidden if the option Yes has been selected under the field Is your mailing address the same as above?. This field will only be displayed if address stability verification is required for the product as maintained in the mid-office system.
   Email ID	Enter the applicant’s email ID.
   Mobile Number	Displays the mobile number that you had entered on the mobile verification page.

8. In the Contact sub-section;
   1. In the Home Address field, enter your home address.
   2. Click the Click Here link provided under the Home Address field to invoke the overlay on which you can enter your address line by line.
   3. If you have clicked the Click Here link, the Home Address overlay is displayed. You can specify your home address as follows:
      1. In the House/Unit Number field, enter your house or flat number.
      2. In the Building Name field, enter the building/house name of your permanent address, if applicable.
      3. In the Street field, enter the name of the street on which your permanent address is located.
      4. In the City field, specify the city in which your home address is located.
      5. From the State field, select the state in which your home address is located.
      6. In the Locality field, enter the locality in which your permanent address is located.
      7. In the Zip Code field, enter the zip code of your home address.
      8. Click the Add button to add the address.

         The overlay window will be closed and the address will be updated in the Home Address field under the Contact Details section on the Personal Information page.

      9. From the Current Location list, select your current location in terms of home address.
   4. In the Address Since field, enter the date since when you have been residing at this address.
   5. In the Is your mailing address the same as above? field, select the option of choice;
      Perform any of the following actions:

      • If you select No;
        1. In the Mailing Address field, enter your mailing address.
        2. Click the Click Here link provided under the Mailing Address field to invoke the overlay on which you can enter your address line by line.
        3. If you have clicked the Click Here link, the Mailing Address overlay is displayed. You can specify your mailing address as follows:
           1. In the House/Unit Number field, enter your house or flat number.
           2. In the Building Name field, enter the building/house name of your mailing address, if applicable.
           3. In the Street field, enter the name of the street on which your mailing address is located.
           4. In the City field, enter the name of the city in which your mailing address is located.
           5. From the State field, select the name of the state in which your mailing address is located.
           6. In the Locality field, enter the locality in which your mailing address is located.
           7. In the Zip Code field, enter the zip code of your mailing address.
           8. Click the Add button to add the address. The overlay window will be closed and the address will be updated in the Mailing Address field under the Contact Details section on the Personal Information page.
        4. In the Address Since field, enter the date since when you have been using this mailing address.

           This field in addition to the other mailing address fields will only be enabled if the option No has been selected under the field Is your mailing address the same as above?.

      • If you select Yes, your home address will be considered as your mailing address.
9. In the Email ID field, enter your email ID.
10. Perform any of the following actions:
    1. Click Continue to proceed to the next step in the application.
    2. Click Back to navigate back to the previous step in the application.
    3. Click the Scan QR-code anytime to continue on mobile link to continue the application on mobile or tablet device.
    4. Under the kebab menu, perform any of the following actions:
       1. Click the Save and Continue Later option to save the application.
       2. Click the Continue on Mobile option to continue the application on a mobile device.