Application Disclosure

You authorize us to submit this application and any other application submitted in connection with the proposed transaction to the financial institutions disclosed to you by us the dealers. This application will be reviewed by such financial institutions on behalf of themselves and us the dealer. In addition, in accordance with the Fair Credit Reporting Act, you authorize that such financial institutions may submit your applications to other financial institutions. You agree that we may obtain a consumer credit report periodically from one or more consumer reporting agencies (credit business) in connection with the prposed transaction and any update, renewal, refinancing, modificaiton or extension of that transaction. You also agree that we or any affiliate of ours may obtain one or more consumer credit reports on you at any time whatsover. If you ask, you will be told whether a credit report was requested, and if so, the name and address of any credit bureau from which we or our affiliate obtained your credit report. 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 evaluation this application and any other application submitted in connected 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 taht the infoarmation ont his 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 instiutions 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 and other identifying documents. STATE NOTICES California Residents: An applicant, if married, may apply for a separate account. Ohio Residents: Ohio laws against discrimination require that all creditors make crdit 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 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 which contains information on your credit worthiness, credit standing, personal characteristics and general reputation. If we grant you credit, we or our loan servicer may order additional consumer reports in connection with any update, renewal or extenstion of the credit. If yo 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 signing 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 you loan application. If your application is approved and the loan is made, 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 applicavble), taking collection on the account, or fr any other legitimate purpose. Married Wisonsin 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 that 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.