bank of america policy and term

Terms & Conditions (3 of 3)

Finally, please review the application Terms & Conditions and any special disclosure that applies in your state.

---

Print

Scroll to read the complete disclosure and then acknowledge by selecting I consent on this page.

By giving your phone number and submitting this application, you acknowledge that:

1. You've reviewed any special disclosure that applies in your state:
   ME, CA, NY, RI, OH, VT and WI residents
2. All information you've submitted is true and correct and is given to obtain credit from us.
3. Co-applicant (if any) has authorized you to submit this application on his or her behalf.
4. You and co-applicant (if any) are of legal contracting age.
5. Credit approval, Annual Percentage Rate (APR), and credit terms are based on our review of each applicant's application information and credit report.
6. You understand we collect your individual income information to determine your individual ability to pay. Examples may include income earned from your employment (salary, overtime, bonus), retirement/pension benefits, and rental properties. Student loans are not acceptable sources of income. Alimony, child support, or separate maintenance income need not be revealed if you don't wish it to be considered as a basis for repayment.

You authorize Bank of America, N.A. to:

1. Pull a credit report on you and co-applicant (if any) in order to make a credit decision.
2. Use the information on this application and any other information we or our affiliates have about you to determine your ability to pay, as required by federal law.
3. Verify, at our option and for your benefit, your application information.
4. Contact you or receive a detailed message or messages at the telephone, email or direct mail contact data you provided above for purposes of fulfilling this inquiry about automobile loan financing even if you have previously registered on a Do Not Call registry or requested Bank of America not to send marketing information to you by email and/or direct mail.

And you agree that Bank of America, N.A. may:

1. Use automatic telephone dialing systems and prerecorded voice messages in connection with calls or texts made to any telephone number you provide even if the telephone number is assigned to a cellular/mobile telephone service or other service for which the called party is charged according to their normal text messaging rates.

Privacy

All financial institutions are required by federal law to obtain, verify and record information that identifies each customer before opening an account with us. When you open an account with us, we will ask you for your name, address and other information that will allow us to identify you, such as Social Security number and date of birth. In addition, if the account application is approved, do we have your permission to open your account prior to sending you a copy of our Bank of America US Consumer Privacy Notice, which will be sent with your customary account disclosures?

You agree with the Terms & Conditions and applicable state-specific disclosures on this page.

I, HEMAL DHIRAJLAL SHAH, agree *