You are applying for individual credit in your name, relying solely on your income or assets, without considering the income or assets of another person to repay the credit requested. 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, including Dealer Direct Auto Loans and affiliated dealerships, 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 identifying information. We may also ask for your driver’s license or other identifying documents. By signing this application: I authorize Dealer Direct Auto Loans, affiliated dealerships, and any finance company, bank, or other financial institution to which Dealer Direct Auto Loans submits my application (“you”) to investigate my credit and employment history, verify my income, obtain credit reports, and release information about your credit experience with me as permitted by law. I further authorize you to forward my application and all related information to other creditors to process my credit request. If an account is created, I authorize you to obtain credit reports to review or take collection action on the account or for other legitimate purposes associated with the account. Monitoring, Recording, and Collection Communications: I agree that Dealer Direct Auto Loans, its affiliates, affiliated dealerships, Banks, agents, and service providers may monitor and record telephone calls regarding my account to ensure the quality of service or for other purposes. I consent to be contacted by Dealer Direct Auto Loans, affiliated dealerships, and service providers using written, electronic, or verbal means as the law permits. This includes, but is not limited to, contact via manual calling methods, prerecorded or artificial voice messages, text messages, emails, and/or automatic telephone dialing systems. I consent to receive such communications at any email address or telephone number I provide, now or in the future, including cellular phones or other wireless devices, even if I incur charges as a result. I certify that I have read and agree to the terms of this application and that the information provided is complete and accurate. If you sign this credit application electronically, you intend that process to be your electronic signature, acknowledge receipt of all disclosures provided on the credit application, and give your authorization and consent to Dealer Direct Auto Loans, affiliated dealerships, and other applicable recipients to take the actions outlined in the credit application. Credit Application Disclosures Both Dealer Direct Auto Loans and affiliated dealerships, along with other financial institutions, comply with all applicable federal and state fair lending laws throughout any aspect of a lending transaction. This includes treating all applicants equally, without regard to prohibited factors, and pricing all contracts fairly and consistently. Credit Application: CapitalOne Disclosure I authorize the dealer and any finance company, bank or other financial institution to which the Dealer submits my application ("you") to investigate my credit, income, and employment history, obtain credit reports, and release information about your credit experience with me as the law permits. IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR CREDIT: 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 applies for credit. What this means to you: When you apply for credit, we will ask for your name, address, date of birth and other information that will allow us to identify you. Credit Application: Chase Federal FCRA Both lending institutions and auto dealerships must comply with all applicable federal and state fair lending laws, throughout any aspect of a lending transaction. For auto dealers this would include, but is not limited to: treating all applicants equally, without regard to any prohibited factors pricing all contracts fairly and consistently. Please refer to the "Chase Fair Lending Notice" sent separately. The rates and payouts listed here do not include any backend additions and are purely based on the approved loan.