By signing below, the undersigned individual(s) as principal and/or guarantor for this application, authorizes PBC Finance, assigns or potential assigns, hereafter referred to as Creditor, to review his/her personal/commercial credit profile provided by any credit reporting agency and review of financial statements, bank accounts, tax returns and trade information now and from time to time as may be needed in the credit evaluation and review process for the extension of commercial credit as well as collection of any resultant accounts and waive any right or claim they would otherwise have under Fair Credit Act in the absence of this continuing consent. By execution of this application I/we warrant that the information submitted herein is true and correct and hereby authorize references contained herein to release any necessary information. Further, I/we warrant it is understood that the Creditor reserves the right to reverse any credit decision if the information contained herein is found to be incorrect. A fax or photocopy of this authorization shall be valid as the original.
USA PATRIOT ACT NOTICE
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 to obtain, verify, and record information that identifies each person who opens an account. What that 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 or other identifying documents.
YOUR RIGHT TO REQUEST SPECIFIC REASONS FOR CREDIT DENIAL
If your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact us within sixty (60) days from the date you are notified of our decision, using the contact information provided below. We will send you a written statement of reasons for the denial within 30 days of receiving your request for the statement.
EQUAL CREDIT OPPORTUNITY ACT NOTICE
The Federal Equal Credit Opportunity Act prohibits creditors from discrimination against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency that administers compliance with this law is:
Federal Reserve Consumer Help Center
P.O. Box 1200, Minneapolis, MN, 55480
