The undersigned principal(s) certify that he/she has full authority to act on behalf of the applicant. The applicant principals and guarantors each certify that all of the information contained in this application and on each document required to be submitted in connection herewith are true and complete. The applicant and each guarantor hereby authorize Santander Bank, N.A. (“Santander Bank”) to obtain his/her credit report from the national credit bureau(s) for the purpose of considering this credit application and any subsequent update, renewal, collection, or additional credit. A copy or facsimile of this authorization shall be as valid as the original. Further, the applicant and guarantors hereby authorize each bank and ﬁnance reference listed in this credit application to release information about the applicants and guarantors to Santander Bank, as requested by Santander Bank. If your application for business credit is denied you have the right to a written statement of the speciﬁc reasons for the denial by writing to Santander Bank, Commercial Equipment and Vehicle Finance Division at 3 Huntington Quadrangle, Suite 101N, Melville, NY 11747-4616, Mail Code: NY1-MLV-01-01, or call 1-800-238-4009, within sixty (60) days from the date you are notiﬁed of our decision. Santander Bank will send you a written statement of the reasons for the denial within thirty (30) days of receiving your request for the statement.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, age (provided the applicant has the capacity to enter into a binding contract); or 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 Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is the Ofﬁce of the Bureau of Consumer Financial Protection, 1700 G Street, NW, Washington, DC 20006.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. This means that when you open an account, Santander Bank will ask you for your name, address, date of birth, and other information that will allow us to identify you. Santander Bank may also ask to see a government issued ID such as a driver’s license, non-driver’s ID, passport, or other identifying documents.If you intend to act as a Guarantor for the credit of one or more primary applicant(s) and are providing information to Santander Bank for that purpose, please be advised that if Santander Bank determines that you do not meet its standards of creditworthiness for the amount and/or kind of credit desired by the primary applicant, Santander Bank is required by law to provide the speciﬁc reasons for such adverse action to the primary applicant and NOT to you. Unless you are willing to share the speciﬁc reasons for adverse action based upon your credit history with the primary applicant you should not sign this application or submit a Personal Financial Statement to Santander Bank.