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By submitting a loan application you, the applicant and co-applicant, if any. agree that you are applying for any product that any financial institution participating in the GreenSky® Program may offer as part of the GreenSky® Program regardless of any product your merchant may have specifically discussed with you.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions lo obtain, verify, and record information that identifies each person who opens a new account. This means that when you open an account 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.

Please be advised that alimony, child support, or separate maintenance payments need not be revealed if you do not wish to have them considered.

By submitting your application for credit, you certify the following: (1) all of the statements (whether verbally or written) communicated to us or to your merchant are true and correct and are made for the purposes of obtaining a-edit; and (2) if more than one applicant is applying, each applicant intends to apply for joint account and none is a co-signer (a ·co-signer" is a person who agrees to be liable for the debt of another person without receiving the benefit of the loan, whereas a joint applicant is a person who intends to apply for joint credit and v,,11 receive the benefit of the loan- although we allow joint applicants to apply for joint account, we do not allow borrowers to use "co-signers').

In addition, you authorize us to (1) obtain a a-edit report on you for any legal purpose in connection with this loan application, including any update, extension of credit, review or collection of your loan; and, (2) notify your merchant of our credit decision, and, if approved, the proposed loan repayment period. If you request you will be informed whether a credit report was requested, and if so, the name and address of the consumer reporting agency that furnished this report. You also agree to provide additional financial information upon request.

By submitting a loan application, you expressly authorize the shared disclosure of loan related information, including but not limited to, your credit decision, proposed loan terms, and personal credit scores to any co -applicant which will have the same effect as personal delivery to you. Also, if you provide an email address, we and/or the merchant may use it to contact you about products, services, special offers and other promotions.

By providing your mobile number, you authorize us to contact you at that number using automated dialing technology or artificial or prerecorded voices for any purpose, including, but not limited to, to provide you with advertisements or telemarketing messages. You are not required to consent to this use as a condition of this loan application. You may revoke your consent at any time by contacting us at PO Box 29429 Atlanta, GA 30359.

Finally, upon loan approval, a Shopping Pass will be issued to you. Use of your Shopping Pass or your installment loan to make a purchase, whether in store, online, on the telephone, through your merchant or otherwise by any borrower authorized on the loan agreement will constitute acceptance of the loan and the loan agreement governing the Shopping Pass by all borrowers. The physical and electronic records of any such purchase will constitute the signature of all borrowers on the loan agreement.