By submitting this application, I/we authorize VL Group LLC and its assigns to obtain credit reports and verify the information provided. I/we certify that all information is accurate and complete to the best of my/our knowledge. I/we understand that this is an application for credit and that approval is subject to verification of information and creditworthiness. This application does not constitute a commitment to lend. False statements may subject me/us to penalties under applicable law. I/we consent to electronic communications regarding this application.