We are required by law to give you certain information in writing. This means you have the right to receive that information on paper. With your consent, we can provide it to you quickly and conveniently by displaying or delivering the Communications to you electronically instead, and (a) requesting that you print the Communications and retain it for your records; (b) requesting you download the Communications and retain it for your records; or (c) storing the Communications for your future reference. THIS AGREEMENT CONTAINS IMPORTANT INFORMATION YOU ARE ENTITLED TO RECEIVE BEFORE YOU CONSENT TO ELECTRONIC DELIVERY OF COMMUNICATIONS.

In this Agreement, the following terms apply:

• “Account” means your loan, credit agreement or financial obligations you have with us and all other products or services offered through our website.
• “Communications” means any and all documents related to an Account, product or service that you obtain from us, including but not limited to any disclosure, notice, agreement, fee schedule, privacy policy, transaction history, response, statement, record, document, and other information we provide to you, or that you sign or submit or agree to at our request.
• “Online Service” means the Sheffield Financial Website and any other online account, product or service offered through our Website in which you enroll that is not otherwise governed by an electronic disclosure and consent.
• "We," "us," "our," and "Sheffield Financial" mean Sheffield Financial, a division of Truist Bank, Truist Bank, Member FDIC or any other affiliate of Truist Bank.
• "You" and "your" mean the person giving this consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any Account, product or service that you apply for, use or access. The consent of any individual on an account to receive electronic Communications shall apply to all individuals on the Account.

By selecting the “I Agree” button below, you are agreeing to the following:

You agree to receive electronic Communications from us.

By accepting this Agreement, you agree to conduct Account and other transactions with us either using your computer, mobile device, or any other electronic device to receive, view and electronically sign Communications. You agree that such electronic signatures will consist of clicking on buttons and/or checking boxes where indicated. By accepting this Agreement, you consent to receiving Communications in electronic form for any Account, products, and services that you have or apply for, either now or in the future. Giving your consent does not automatically enroll you in a particular Account, product or service. You must separately enroll for each.

We may still choose to provide you with information on paper even though you have consented to receive it electronically. In some cases, we are not permitted by law to deliver certain Communications to you electronically. However, if the law changes in the future and permits additional Communications to be delivered electronically, this Agreement will automatically cover those Communications as well.

We may deliver electronic Communications to you in several ways.

When we deliver electronic Communications to you, we will either: (1) email them to you; (2) post them on our website; (3) present them on-screen or for download through one of our online or mobile banking services; (4) include them in other electronic Communications that we are delivering to you, such as electronic account statements; or (5) in the manner specified in any other agreement we have with you. If we are not emailing or presenting the information to you directly, we will tell you where you can go to view that information.

If you seek to obtain a new product, service or account with us, we may remind you that you have already consented to receiving electronic Communications and using electronic signatures in your relationship with us. If you choose not to receive electronic Communications or use electronic signatures in connection with the new product, service or account, that choice does not mean you have withdrawn your consent with respect to any other product, service or account.

You will need some technology to receive electronic Communications.

To receive and retain electronic Communications from us, you will need the following:

• A computer or mobile device with an operating system that supports everything below;
• A connection to the internet;
• A current version of a web browser that we support. You should check the system requirements periodically for updates to supported software;
• A hard drive or other data storage unit;
• A valid, active email address; and
• A current version of a program that displays PDF files.

The minimum hardware and software requirements to access and retain the electronic Communications are:

Compatible Operating Systems

• Windows 7 or higher
• Max OS
• Android
• iOS
• Chrome OS

Compatible Browsers

• Mozilla Firefox
• Google Chrome
• Opera
• Safari
• Internet Explorer 11 or higher & Edge

Document Viewing

• PDF Viewer

If our hardware and software requirements change, and that change would create a material risk that you would not be able to access or retain electronic Communications, we will give you notice of the change. Continuing to use our electronic services after receiving notice of updates to our system requirements signifies your acceptance of the change and reaffirmation of your consent.

Please keep your contact information up to date.

It is your responsibility to keep all of your contact information current so that we can send you electronic Communications. You can update your email address by editing your profile in the Update Profile section of your online account. To edit other contact information please call Customer Service at 888-438-8837, Monday – Friday, 8:00 AM – 5:00 PM, Eastern Time.

You may have the option to receive paper copies.

You may obtain paper copies of the electronic Communications by printing them with the Online Service or by calling Sheffield Financial Customer Service at 888-438-8837, Monday – Friday, 8:00 AM – 5;00 PM, Eastern Time. There is no fee for paper copies.

You can withdraw your consent to receiving electronic Communications.

You have the right to withdraw this consent at any time. Withdrawing consent may terminate your access to the Online Services or you may lose access to certain electronic services. You may also no longer be able to use certain products. After we have processed your withdrawal, future Communications required to be in writing will be delivered to you on paper. To withdraw your consent to receiving electronic Communications, you may call Sheffield Financial Customer Service at 888-438-8837, Monday – Friday, 8:00 AM – 5;00 PM, Eastern Time. Your withdrawal of consent will become effective only after we have had a reasonable opportunity to act upon it.

This is an application for credit to Sheffield Financial, a division of Truist Bank (“Application”). The words “we,” “us,” and “our” and “Sheffield” means and includes Sheffield Financial, its designated service providers, agents, assigns, and successors, as applicable. The words “you” and “your” mean each applicant (as individuals) and both applicants (collectively) shown in Section 1 and signing the Application, either as the primary applicant or a joint applicant. Alimony, child support or separate maintenance payments need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

You agree that you read this Application and everything stated in it is true and complete. You certify that you are at least 18 years of age.

You authorize us to verify and obtain your credit and employment history or other information about you in this Application. You authorize us to obtain credit reports or similar consumer reports about you from one or more consumer reporting agencies in connection with your Application. If we approve this Application, you authorize us to obtain such credit and consumer reports about you in the future from consumer reporting agencies in connection with reviews, updates, extensions, renewals, modification, servicing, and collection of your Sheffield account, and other legitimate purposes allowed by law. If you request, we will inform you whether we obtained a consumer report about you and, if so, provide the name and address of the consumer reporting agency that furnished any such report.

You understand and agree that we may provide information about your transactions with us to third parties (including consumer reporting agencies) for lawful purposes. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

IMPORTANT INFORMATION ABOUT ACCOUNT OPENING PROCEDURES: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who requests to open an account prior to account opening.

WHAT THIS MEANS TO YOU: When you apply for credit, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Failure to provide the required information may result in denial of your request to open an account.

You agree that we may call you, leave you a voice, prerecorded, or artificial voice message, or send you a text, e-mail, or other electronic message for any purpose related to your accounts with Sheffield, its products and services, or surveys or research (each, a “Communication”). You agree that we may call or text you at any telephone number associated with your accounts, including cellular telephone numbers, and may send an e-mail to any email address associated with your accounts. You also agree that we may include your personal information in a Communication and may conduct a Communication using an automatic telephone dialing system. We will not charge you for a Communication, but you understand that your service provider may. You understand and agree that we may always communicate with you in any manner permitted by law that does not require your prior consent.

You certify that: (i) the property purchased pursuant to this Application is for your personal and/or business use; (ii) you are fully responsible for making all payments for such property; (iii) such property will be in your possession or under your control, until the amount financed and all interest charges have been paid in full; and (iv) you are not purchasing any property financed through us for the benefit or use of a person or entity other than you, without our prior written approval. You understand and agree that you are granting us a purchase money security interest in the property you purchase with the Sheffield account.

CALIFORNIA RESIDENTS: A married applicant may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any credit limit set by the creditor and each applicant may be liable for all amounts of credit extended under this account to each joint applicant.

NEW YORK RESIDENTS APPLYING FOR SHEFFIELD CARD: New York residents may contact the New York State Department of Financial Services at 877-226-5697 to obtain a comparative listing of credit card rates, fees, and grace periods.

OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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.

WISCONSIN RESIDENTS: Notice to Married Applicants. No provision of any marital property agreement, unilateral statement under Wisconsin Statutes § 766.59 or a court decree under Wisconsin Statutes § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. The notice requirement under this paragraph does not apply to renewals, extensions or modifications or the use of an open-end credit plan.

FOR MARRIED WISCONSIN RESIDENTS: The credit being applied for, if granted, will be incurred in the interest of my marriage or family. I understand the creditor may be required by law to give notice of this transaction to my spouse.

MILITARY LENDING ACT (MLA) DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Federal law requires that you receive a clear description of your required payments. Please review the disclosures and your credit agreement carefully to understand your payment obligations.

To listen to a recording of this disclosure, please call 1-866-482-7103, toll free.