Waiver of Privacy

I/we hereby grant you as a lender and/or your agents the rights to confirm and verify all information given to you on this application for the purpose of obtaining this loan and all renewals or extensions thereof. As lender, you may ratify this information for the collection of this or these accounts. Telephone Contact: As long as there is a balance due on this loan, the lender may contact the borrower at any telephone number provided in the credit application or subsequently provided to the lender to service or collect this loan.

An investigation consumer report including information as to your character, general reputation, personal characteristics, and mode of living may be made. It is your right under public law 104-208 to request in writing, within a reasonable time from today, a complete and accurate disclosure of the nature and scope of the investigation. We will furnish said information to you at your request.

Notice

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of sex or marital status. The federal agency that administers compliance with this law concerning the business is the Federal Trade Commission, Washington, D.C., 20580. Pursuant to Section 217 of the Fair and Accurate Credit Transaction Act, we may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

I do solemnly state and affirm that the answers above and all statements in this application set forth are true and are made for the sole purpose of procuring a loan, showing my honesty and ability to repay same.

Notice Credit History for Married Persons

The Federal Equal Credit Opportunity Act forbids all creditors from discriminating against any applicant on the basis of sex or marital status in any aspect of a credit transaction. Regulations adopted under the Act give married persons the right to have credit information concerning those credit accounts that they hold or use jointly with a spouse reported to consumer reporting agencies and creditors in the names of both the wife and husband. Accounts of married persons opened before November 1976—even those opened in the names of both spouses—are often reported in only the husband’s name. This is generally true regardless of who has been paying the bills or whose income was used to obtain the account. As a result, many married women do not have a credit history in their own names, although their husbands do. If a woman ever needs to obtain credit on her own, for example, when divorced or widowed, a credit history is usually necessary.

If your account(s) with us is a joint account that you share with your spouse or an account(s) in the name of one spouse that the other spouse is authorized to use, you have the right to have credit information concerning it reported in both your name and your spouse’s name. If you choose to have credit information concerning your account(s) with us reported in both your name and the name of your spouse, please fill in the statement below and return it to us.

Please note that the federal regulation provides that your approval below will not make either you or your spouse legally liable for any different or greater debts. It will only request that credit information be reported in both your names.

When you furnish credit information on this account, please report all information concerning it in both our names.

Notice and Waiver of Privacy