Consumer Application

New Loan Application
Dealer Information Sheffield Curtis Dealer 111 Higgins St Worcester, MA 16060000 Blank Application
Loan Information Individual Applicant Joint Applicant Amount Requested Loan Information Continued Select Manufacturer Select Product Type Select Promo Code Model Number Customer Business Information Click here for loan to be in business name Company Name Same as Physical Address Address City State Zip Primary Applicant Social Security First Name Middle Name Last Name Present Street Address (Not P.O. Box) City State Zip Date of Birth We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen. Your child's online privacy is protected by the Children's Online Privacy Protection Act (COPPA). Learn more about COPPA by visiting the Federal Trade Commission's website at http://www.business.ftc.gov/privacy-and-security/childrens-privacy. Mailing Information Mailing address is different from primary account address Mailing Address Mailing Address City Mailing Address State Mailing Address ZIP Contact Information Residential Status Monthly Housing/ Rent Payment Years at Residence Email Address Home Phone Mobile Phone Work Phone Employer Information Current Employer's Name Current Employer's City Years at Employment Monthly Gross Nearest Relative Information Nearest Relative's Name Nearest Relative's City Nearest Relative's State Nearest Relative's Phone Number Second Applicant Social Security First Name Middle Name Last Name Address Same as Above Address City State Zip Date of Birth We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen. Your child's online privacy is protected by the Children's Online Privacy Protection Act (COPPA). Learn more about COPPA by visiting the Federal Trade Commission's website at http://www.business.ftc.gov/privacy-and-security/childrens-privacy. Second Applicant Mailing Information Mailing address is different from second account address Mailing Address Mailing Address City Mailing Address State Mailing Address ZIP Second Applicant Contact Information Years at Residence Email Address Home Phone Same as Above Home Phone Mobile Phone Work Phone Second Applicant Employer Information Current Employer's Name Current Employer's City Years at Employment Monthly Gross Second Applicant Nearest Relative Information Nearest Relative's Name Nearest Relative's City Nearest Relative's State Nearest Relative's Phone Number We intend to apply for joint credit Agreement to Receive Electronic Communications As used in this Agreement to Receive Electronic Communications “(Agreement”), “Application” means the on-line application for a loan through the Sheffield Financial website. “Communication” means any disclosures, notices, and all other information related to the application including but not limited to information that we are required by law to provide to you in writing. "Online Service" means the submission of an application through Sheffield Financial website and any other online product or service offered through our website in which you have enrolled that is not otherwise governed by an electronic disclosure and consent. The words “we”, “us”, and “our” refer to Sheffield Financial, a division of Truist Bank, and the words “you” and “your” mean you, the individual(s) or entity using the Online Service. You are agreeing to the following: We may provide all legal or regulatory Communications associated with the Application. We may deliver the Communications to you by any of the following methods: (a) by posting a notice and making the information available to you through the Online Service; or (b) by sending the information to an email address you have provided to us; or (c) to a wireless device you have designated; or (d) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose; or (e) any other electronic means we have mutually agreed upon. Delivery of electronic Communications by any of these methods will be considered "in writing" and you intend that the electronic Communications have the same legal effect as written and signed paper communications. You agree to promptly notify us of any change in your contact information. You can update your contact information through the Online Service as well as by contacting Sheffield at 1-888-438-8837. You may withdraw your consent to receive electronic Communications by contacting us at 1-888-438-8837. If you withdraw your consent to receive electronic Communications, we may terminate your access to the Online Service. You may obtain paper copies of the electronic Communications by printing them within the Online Service or by calling 1-888-438-8837. There is no fee for paper copies. The minimum hardware and software requirements to access and retain the electronic Communications are: A personal computer or other device meeting the following requirements: Compatible Operating Systems Windows 7 or higher Max OS Android iOS 20 Chrome OS Compatible Browsers Mozilla Firefox Google Chrome Opera Safari Internet Explorer 11 or higher & Edge Document Viewing Adobe PDF Viewer You will also need telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing electronic Communications, and sufficient electronic storage capacity on your computer’s hard drive or other data storage unit. You are solely responsible to keep your operating system and software up to date regardless of information as to system requirements as may be provided herein. REV 8/2019 I/We Agree. By clicking ‘I/We Agree’, you acknowledge that you are able to electronically access and retain the Communications. General Application Disclosure 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. REV. 08/2019 I/We Agree. By clicking ‘I/We Agree’, you acknowledge receipt of all of the foregoing disclosures.

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.

REV. 08/2019