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I acknowledge and affirm that one or more applicants identified is/are the business owner(s) and
is/are personally liable for the business, and that a signature from any of the applicants provides
authority to ElCap, or any authorized representative of ElCap, to perform any permissible action on
any named entity, and on any entity added later. I also warrant that by submitting this application,
any individual identified above is authorizing ElCap, or any authorized representative of ElCap, to
investigate their personal and financial information for any permissible purpose in connection with
determining, maintaining, or collecting on an extension of credit. I agree that all individuals
identified above will hold ElCap, or any authorized representative of ElCap, harmless from effects
of the decisions made therefrom.
I agree to conduct transactions via electronic means, and consent to receive communications from
ElCap, or any authorized representative of ElCap, through any from of communication and medium, and
that such communication may be automatically generated and transmitted. I agree to be contacted
through any of the means of contact that I have provided, or will provide in the future, and that
any communication may be recorded and stored for any permissible purpose. I further agree that any
such communication is not to be considered unsolicited for purposes of law in any jurisdiction. I
agree that by authorizing any third party to communicate with ElCap, or any authorized
representative of ElCap, on my behalf, information about my account and/or any relevant transactions
may be disclosed to the third party.
The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants
on the basis of race, color, religions, national origin, sex, marital status, or 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 in good faith exercised
any right under the Consumer Credit Protection Act. The federal agency administering compliance with
this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.
If for any reason your application for credit is denied, you have the right to a written statement
of the specific reasons for the denial. To obtain the statement(s), please write to us at the
address listed at the bottom of this application within 60 days from the date you are notified of
our decision, and we will send you a written statement of the reasons for the denial of credit
within 30 days of receiving your request for the statement.
