1. certify that the information in this application is complete and correct and that it is my intent to submit a credit application to the dealer ("Dealer") on whose website I am completing this application for the purpose of obtaining vehicle or other financing;
2. authorize the Dealer and its affiliates, agents, and service providers ("Dealer Providers") to begin a credit investigation, including obtaining my consumer credit report from one or more credit reporting agencies, and to gather employment history as it considers necessary and appropriate, and agree that anyone receiving a copy of this credit application is authorized to provide Dealer Providers with such information;
3. authorize Dealer and Dealer Providers to release information about its credit experience with me;
4. understand that Dealer and Dealer Providers will retain this application whether or not it is approved, | and that it is my responsibility to notify the Dealer of any change of name, address, or employment;
5. consent that the Dealer, at its option, to forward or otherwise allow access to this application (including the credit report and any updates or additions) to potential lenders, financial institutions, or other third parties in order to process the application;
6. certify that the State of residence and primary residence address on my application are true and correct; and
7. agree that if an account is created for me, all of the following will also apply:
   1. The Dealer and any subsequent creditor to which it may assign my account may monitor and record telephone calls regarding my account to assure the quality of service or for other reasons;
   2. I consent to the Dealer and any subsequent creditor to which it may assign my account using prerecorded/artificial voice messages, text messages, and/or automatic dialing equipment while servicing or collecting my account, as the law allows;
   3. I agree that you may take these actions using the telephone number(s) that I provide in this credit application, telephone numbers that I may provide in the future, or you get from another source, even if the number is for a mobile telephone and/or your using the number results in charges to me;
   4. I consent that the Dealer and any subsequent creditor to which it may assign my account may contact me via my phone number, email address, or any other contact information that I have provided or may provide to you in the future.

State Law Disclosures

Married Applicants residing in a Community Property State (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington or Wisconsin). Please provide the information about your spouse requested in the co-applicant/spouse section, even if your spouse is not a co-applicant. Your spouse does not have to be a co-applicant unless he/she wants to be a co-applicant.

California Residents: An applicant, if married, may apply for a separate account.

Maine Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of any contract. For a lease, you must also have the liability insurance as described in the lease. You may buy this insurance from anyone you choose. You do not have to buy it from someone affiliated with the dealer or an assignee of this contract. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the contract requirements or the insurance company does not satisfy the reasonable standards of the dealer or an assignee of the contract.

New Hampshire Residents: If this is an application for a balloon contract, 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. A balloon contract is an installment sale contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.

New York Residents: Consumer reports may be requested in connection with this application. Additional consumer reports may be requested with respect to any extension or renewal of this obligation. Upon request, you will be informed whether or not a consumer report was requested and if it was, of the name and address of the consumer reporting agency that furnished the report.

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.

Rhode Island Residents: Credit reports may be obtained in connection with this application for credit.

Vermont Residents: If an account is created, I authorize the obtaining of credit reports for purposes of reviewing or taking collection action on the account, or for other legitimate purposes associated with the account.

Married Wisconsin Residents: Wisconsin law provides that no provision of a marital property agreement, unilateral statement under Section 766.59, Wisconsin Statutes, or a court decree under Section 766.70, Wisconsin Statutes, affecting marital property adversely affects the interest of a creditor, unless the creditor receives a copy of the agreement, statement or decree prior to granting the credit or unless the creditor has actual knowledge of the adverse provision when the obligation to the creditor is incurred.