APPLICATION RESTRICTIONS
Please note that only US residents living in the 50 United States that are 18 years or older may apply for credit online.

FEDERAL EQUAL CREDIT OPPORTUNITY ACT
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of Race, Color, Religion, National Origin, Sex, marital status, or Age provided the applicant has the capacity to contract; because all or part of the applicants income derives from any public assistance program; or because the applicant has in good faith exercised any right under the consumer credit protection act. The Federal agency which administers compliance with this law concerning this institution is the Office of the Comptroller of the Currency, 400 7th Street SW, Suite 3E-218, Washington, D.C. 20219.

TERMS & CONDITIONS
We and/or our affiliated lenders may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.

NOTICE TO CALIFORNIA RESIDENTS
A married applicant may apply for a separate account. AS required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

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.

NOTICE TO NEW YORK AND VERMONT CUSTOMERS
In connection with your application for credit, a consumer report may be obtained which contains information on your credit worthiness, credit standing, credit capacity, and general reputation. If you request you will be informed whether a consumer report was obtained, and if so, you will be given the name and address of the consumer reporting agency which furnished the report. If your application is granted, subsequent consumer reports may be obtained in connection with any update, extension, or renewal of credit.

NOTICE TO WISCONSIN CUSTOMERS
As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.