Equal Credit Opportunity Act (“ECOA”) Notice: If Applicant’s application for business credit is denied, Applicant has the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact ES at the address noted above (Attn: Legal Department) within 60 days from the date Applicant is notified of the denial. Within 30 days of receiving the request, ES will send a written statement specifying the reasons for the denial. The Federal ECOA prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that 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 the creditor is the FTC Regional Office for the region in which ES operates or Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
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 California Residents: A married individual who is an Applicant may apply for a separate account.ES, its agents, designees, assigns or lending sources are not an agent of the Applicants in obtaining financing. ES and its agents, designees, and assigns are not agents, joint venturers, or partners with any lending source that may provide funds in connection with this Application. This application shall be governed by the State Laws of Missouri without regard to its choice of law or conflict of laws provisions or principles, and Applicant hereby waives the application of the laws of any other state in connection with this Application. Applicant and ES agree that any action, suit, or proceeding related to or arising out of this Application shall exclusively be brought in the federal or state courts located in the State of Missouri, and both Applicant and ES expressly submit to the jurisdiction of such courts with respect to any such action, suit or proceeding. This application may be signed in counterparts of which each copy shall constitute together a complete document. If any provision of this Application is found to be unenforceable, such provision will be fully severable from this Application and the remaining provisions of this Application will remain in full force and effect.
By signing below or electronically, the undersigned represents and warrants that (1) Applicant has read this application in its entirety; (2) Applicant has the capacity to enter into a binding contract; (3) the undersigned is authorized to execute this application thereby binding Applicant to the terms and conditions herein (4) the information provided by Applicant is accurate and complete (5) Applicant and each individual signing on behalf of Applicant agree to the Terms and conditions herein. The applicant may choose to sign this Application electronically, and if signing electronically the electronic signature(s) of the signatories, whether digital or encrypted, are intended to authenticate such signatures and have the same force and effect as the use and delivery of manual signatures and give rise to a valid, enforceable, and fully effective agreement to the extent and as provided for in any applicable law, including the Federal Electronic Signatures in Global and National Commerce Act or any other similar state laws, acts, or statutes based on the Uniform Electronic Transactions Act.