By checking the "I Agree" box below, I/We (“I”, “me”, “my”) submit this Application to GEMB Lending Inc, 3355 Michelson Drive - 2nd floor, Irvine, California (“Bank”) to apply for a loan or for consideration as to whether a retail installment contract with me would meet its purchase requirements, to purchase a Program qualifying product to be used for personal, family or household purposes. I am providing the above information to the Bank, the manufacturer sponsor, and to the dealer taking this application (the “Dealer”). I authorize and direct the Bank to furnish information about me (including whether this application is approved or declined) and, if it is approved, information about my account, to the manufacturer sponsor, and to the Dealer, for use in connection with the Program, including to create and update their customer records about me, to assist them in better serving me, and to provide me with notices of special promotions, catalogs and tailored offerings. I authorize the Bank to make inquiries the Bank considers necessary (including verifying my credit, employment and income references and requesting reports from consumer reporting agencies and other sources) in evaluating my application, and subsequently, as long as my account remains open, or is closed with an unpaid balance. I also authorize the Bank to use the credit reports and other information for other purposes, including considering me for additional products and services that are offered by the Bank directly or by its affiliates. Upon roy request, the Bank will inform me of the name and address of each consumer-reporting agency from which it obtained a consumer report about me. The creditor is also authorized to give consumer reporting agencies (credit bureaus) and others information regarding the creditor’s credit experience with me. I understand that this is an application for credit and not an agreement to extend credit and if credit is extended it will be subject to a credit agreement. NOTICE TO OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy 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. I UNDERSTAND THAT THE TERMS OF THE CREDIT AGREEMENT INCLUDE AN ARBITRATION PROVISION WHICH MAY SUBSTANTILALY LIMIT MY RIGHTS, INCLUDING BUT NOT LIMITED TO MY RIGHT TO HAVE A JUDGE OR A JURY DECIDE MY DISPUTE. I understand that I may apply for my own account, regardless of marital status. I certify that all information provided in this application is true and complete and I am 18 years of age or older. ABOUT THE ANNUAL PERCENTAGE RATE OF FINANCE CHARGE: The Annual Percentage Rate may be negotiated with the Dealer. The Bank may pay part of the Finance Charge to the Dealer. Federal law requires the Bank to obtain, verify, and record information that identifies me/us when I/we open an account. The Bank will use my/our name, address, and other information for this purpose.