The words "you," "your" and "yours" mean each person submitting this application. The words "we," "us," "our" and "ours," as used below, refer to the dealer and the financial institutions selected to receive your application. You authorize the dealer, as part of the credit underwriting process, to submit this application and any other application submitted in connection with the proposed transaction to the financial institutions disclosed to you by the dealer for review. In addition, in accordance with the Fair Credit Reporting Act, you authorize that such Financial Institutions may submit your applications for review to other financial institutions that may want to purchase your contract. You agree that we and any financial institutions to which your application is submitted may obtain a consumer credit report periodically from one or more consumer reporting agencies (credit bureaus) in connection with the proposed transaction and any update, renewal, refinancing, modification or extension of that transaction. You agree that we may verify your employment, pay, assets and debts and that anyone receiving a copy of this is authorized to provide us with such information. You further authorize us to gather whatever credit and employment history we consider necessary and appropriate in evaluating this application and any other applications submitted in connection with the proposed transaction. We may keep this application, any other application submitted to us and any information about you, whether or not the application is approved. You certify that the information on this application and in any other application submitted to us is true and complete. You understand that false statements may subject you to criminal penalties.