Our acceptance of this application and agreement is subject to credit approval. We may order a consumer report in connection with this Agreement. Subsequent consumer reports in connection with updating, renewing, and reviewing the existing or future extensions of credit. Upon your request, we will provide the name and address of the consumer credit reporting agency furnishing such report to us. The Federal Equal Credit Opportunity Act prohibits us from discriminating against you in the granting of credit. The federal agency, which administers compliance with this law, is the federal Trade Commission. We have given to you and you acknowledge receipt of IMPORTANT TERMS AND CONDITIONS AND YOUR BILLING RIGHTS. THIS AGREEMENT IS BINDING ON THE PARTIES WHEN IT HAS BEEN SIGNED BY OUR COMPANY REPRESENTATIVE.