APPLICATION DISCLOSURE
The words "you," "your" and "yours" mean each person submitting this
application. The words "we," "us," "our" and "ours" as used below refer to the
dealer and to the Financial Institutions selected to receive your application.
You authorize the dealer, as part of the credit underwriting process, to submit
this application and any other application submitted in connection with the
proposed transaction to the Financial Institutions disclosed to you by the
dealer, for review. In addition, in accordance with the Fair Credit Reporting
Act, you authorize that such Financial Institutions may submit your
applications for review to other Financial Institutions that may want to
purchase your contract.
You agree that we and any Financial Institutions to which your application is
submitted may obtain a consumer credit report periodically from one or more
consumer reporting agencies (credit bureaus) in connection with the proposed
transaction and any update, renewal, refinancing, modification or extension of
that transaction.
You agree that we may verify your employment, pay, assets and debts, and that
anyone receiving a copy of this is authorized to provide us with such
information.
You further authorize us to gather whatever credit and employment history we
consider necessary and appropriate in evaluating this application and any other
applications submitted in connection with the proposed transaction.
We may keep this application and any other application submitted to us, and
information about you whether or not the application is approved. You certify
that the information on this application and in any other application submitted
to us, is true and complete. You understand that false statements may subject
you to criminal penalties.
FEDERAL NOTICES
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.
STATE NOTICES
Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington or
Wisconsin Residents: If you, the applicant, are married and live in a
community property state, you should also provide the personal credit
information on your spouse in the co-applicant section. Your spouse is not
required to be a co-applicant for the credit requested unless he/she wishes to
be a co-applicant.
California Residents: An applicant, if married, may apply for a separate
account.
Ohio Residents: Ohio laws against discrimination require that all
creditors make credit equally available to all creditworthy customers and that
credit reporting agencies maintain separate credit histories on each individual
upon request. The Ohio Civil Rights Commission administers compliance with this
law.
New Hampshire Residents: If this is an application for balloon financing,
you are entitled to receive, upon request, a written estimate of the monthly
payment amount that would be required to refinance the balloon payment at the
time such payment is due based on the creditor's current refinancing programs.
New York Residents: In connection with your application for credit, we
may request a consumer report that contains information on your credit
worthiness, credit standing, personal characteristics and general reputation.
If we grant you credit, we or our servicer may order additional consumer
reports in connection with any update, renewal or extension of the credit. If
you ask us, we will tell you whether we obtained a consumer report and if we
did, we will tell you the name and address of the consumer reporting agency
that gave us the report.
Vermont Residents: By clicking on "Submit", you authorize us and our
employees or agents to obtain and verify information about you (including one
or more credit reports, information about your employment and banking and
credit relationships) that we may deem necessary or appropriate in evaluating
your application. If your application is approved and credit is extended, you
also authorize us, and our employees and agents, to obtain additional credit
reports and other information about you in connection with reviewing the
account, increasing the available credit on the account (if applicable), taking
collection on the account, or for any other legitimate purpose.
Married Wisconsin Residents: Wisconsin law provides that no provision of
any marital property agreement, or unilateral statement, or court order applied
to marital property will adversely affect a creditor’s interests unless, prior
to the time that the credit is granted, the creditor is furnished with a copy
of the agreement, statement or decree, or has actual knowledge of the adverse
provision. If you are making this application individually, and not jointly
with your spouse, the full name and current address of your spouse must be
properly disclosed in the co-applicant section of this application.