If a Guaranty is being provided for this application or there is more than one Applicant, the following must be initialed by BOTH the Applicant(s) and all Guarantors. By initialing, we confirm that we intend to apply for joint credit or to jointly and severally guarantee credit.

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 opening an account (your loan/lease). What this means for you: When you open an account (your loan/lease), we will ask for your name, address, date of birth, business documents, and others to allow us to identify you. We may also ask to see your driver's license or other identifying documents. IMPORTANT INFORMATION: Except as otherwise prohibited by law, you agree OceanFirst Equipment Finance, a division of OceanFirst Bank, N.A. ("OceanFirst"), and any of its affiliates or assigns may share information with potential lenders about the Applicant(s) that may obtain for the purposes of, among other things, evaluating credit applications or servicing account(s). ECOA Notice: The Federal Equal Credit Opportunity Act prohibits creditors from disc credit applicants on the bases of race, color, religion, national origin, sex, marital status, and age (providing the Applicant has the capacity to enter into a binding contract) because all or part 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 admires this law concerning this creditor is the Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC. 20008.

"You," the "Applicant (both terms include the business entity as well as all of the Individuals named above), certify to us that you are applying for credit for business reasons and not for personal, family, or household purposes. Applicant authorizes OceanFirst and potential lenders to obtain information from others concerning Applicant's credit and trade standing, including Applicant's personal credit report (if Applicant is a sole proprietorship or if named individuals are providing guarantees) and other relevant information impacting this application and if the Lease or Loan is approved, from time to time during the term of the Lease or Loan. You authorize OceanFirst and potential lenders to prepare and file against Applicant a financing statement, in form and substance sufficient to perfect a security interest in collateral together with the proceeds thereof arising from an approved Lease or Loan.
In addition to the information requested on this application, OceanFirst and potential lenders may subsequently request additional information from the Applicant. As an authorized agent of the applicant company, you represent that you have reviewed this document and that the information herein is true, correct, and complete. A photo-static copy of this authorization shall be as valid as the original. You authorize OceanFirst to provide a copy of this application to other lenders Identified by OceanFirst at their sole discretion. You agree that any lender that receives a copy of this application from OceanFirst on your behalf is authorized to obtain information about you as described in this application. If potential lenders decline this application, you authorize potential lenders to advise OceanFirst and your dealer of the decline and the reasons for the decline.
Ohio Residents Only: 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 Only: A consumer report may be requested in conjunction with this application. Upon your request, you will be informed whether or not a consumer report was requested, and if such report was 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 Only: You authorize OceanFirst and lenders 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, modifying, and taking collection action on the account.