The federal Equal Credit Opportunity Act prohibits creditors from discriminating against 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 Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20006.
If this application is denied, the undersigned have the right to a written statement of the specific reasons for the denial.
STATE-SPECIFIC NOTICES:
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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.
New York Residents: A consumer report may be requested in conjunction with this application. Upon request, you will be informed whether or not a consumer report was requested and, if requested, informed of the name and address of the consumer reporting agency that furnished the report. Subsequent consumer reports may be requested or utilized in connection with an update, renewal, or extension of the credit for which this application is made.
Vermont Residents: You authorize Kubota to obtain credit reports about you now and in the future for all legitimate purposes associated with this application or the account, including but not limited to: (a) evaluating this application; and (b) renewing, reviewing, modifying, and taking collection action on the account.
(A) AUTHORIZATION TO CONTACT ME BY PHONE. I AUTHORIZE KUBOTA, ITS AFFILIATES, AGENTS AND INDEPENDENT CONTRACTORS TO CONTACT ME AT ANY TELEPHONE NUMBER I PROVIDE TO KUBOTA OR FROM WHICH I PLACE A CALL TO KUBOTA, OR ANY TELEPHONE NUMBER WHERE KUBOTA BELIEVES IT MAY REACH ME, USING ANY MEANS OF COMMUNICATION, INCLUDING, BUT NOT LIMITED TO, CALLS OR TEXT MESSAGES TO MOBILE, CELLULAR, WIRELESS OR SIMILAR DEVICES AND CALLS OR TEXT MESSAGES USING AN AUTOMATED TELEPHONE DIALING SYSTEM AND/OR ARTIFICIAL VOICES OR PRERECORDED MESSAGES, EVEN IF I INCUR CHARGES FOR RECEIVING SUCH COMMUNICATIONS.
(B) AUTHORIZATION TO CONTACT ME BY OTHER MEANS. I ALSO AGREE THAT KUBOTA, ITS AFFILIATES, AGENTS AND INDEPENDENT CONTRACTORS MAY USE ANY OTHER MEDIUM, AS PERMITTED BY LAW AND INCLUDING, BUT NOT LIMITED TO, MAIL, E-MAIL AND FACSIMILE, TO CONTACT ME.
(C) RIGHTS TO OPT-OUT OR MAKE CHANGES. I UNDERSTAND THAT I AM NOT REQUIRED TO AGREE TO SECTIONS (A) OR (B) ABOVE AS A CONDITION FOR OBTAINING CREDIT FROM KUBOTA. IF I WISH TO OPT OUT OF SECTION (A) AND/OR (B), OR IF I WANT TO CHANGE HOW KUBOTA CONTACTS ME, INCLUDING WITH RESPECT TO ANY TELEPHONE NUMBER THAT KUBOTA MIGHT USE, I MAY CALL KUBOTA AT 1-800-624-7082 OR WRITE TO KUBOTA AT PO BOX 2046 GRAPEVINE, TX 76099.
Maine Residents: If this application is approved, I understand that: (i) I must maintain physical damage insurance on the collateral securing the debt; (ii) I have the right of free choice in the selection of the agent and insurer through which the insurance is placed (including the right to choose an agent or broker not affiliated with you); and (iii) obtaining insurance from a particular agent or broker will not affect Kubota's credit decision if Kubota determines the selected insurance satisfies the terms of the credit.
Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under Wis. Stat. § 766.59, or a court decree under Wis. Stat. § 766.70 adversely affects the creditor's interest, unless the creditor, before credit is granted, is furnished with a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
I understand and agree that Kubota may obtain and use credit reports about me from credit reporting agencies: (i) to evaluate this Application; and (ii) if this Application is approved, for purposes of updating, renewing, extending, reviewing, servicing, and collecting the account. I understand Kubota will, upon my request, inform me whether a credit report was requested and, if it was, provide the name and address of the credit reporting agency that furnished the report.
I understand Kubota may report information about my account to credit reporting agencies. Late payments, missed payments, or other defaults on my account may be reflected in my credit report(s).
To dispute any information on a credit report reported by Kubota, send a written notice to: Servicing Center, PO Box 2046, Grapevine, TX 76099.
I understand and agree that this application is governed by Kubota's privacy policy at https://www.kubotacreditusa.com/onlinePrivacy.jsp.
I agree this application shall remain Kubota's property, regardless of whether financing is granted. I acknowledge receiving a copy of this application.
