GreenSky

Disclosures

Please read the following important agreements and disclosures. This is a credit application, and submitting it means that you have read and agree to all the steps described below. These agreements and disclosures can be found online anytime at www.greensky.com/disclosures. Please retain a copy of them for your records.


Definitions: For the purposes of these disclosures, the following definitions apply:

“Lender,” “us,” “we” or “our” shall include any financial institution, and their agents, service providers and representatives, participating in the GreenSky® Loan Program (the “GreenSky® Program”).

“You” or “your” shall include any applicant and any co-applicant collectively, submitting an application for a loan with the GreenSky® Program.

We are providing the following Disclosures to you in connection with your application for a loan from one of the financial institutions offering the GreenSky® Program.

Important Disclosures:

By submitting this application for credit, you agree that you have read and understand the following:

  1. THE FOLLOWING IS 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 to obtain, verify, and record information that identifies each person who opens a new account. What this means for you: 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.
  2. In providing your income as part of this application, or in providing any subsequent update to your income, alimony, child support, or separate maintenance payments need not be revealed if you do not wish to have them considered in evaluating your creditworthiness.
  3. 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 the report.
  4. If approved for a loan, you will be required to activate your loan account, and we will ask you to accept your Installment Loan Agreement (“Agreement”) by signing it electronically. The dated electronic record of your acceptance of the Agreement will evidence your signature of the Agreement and have the same legal effect as a physical signature.
  5. Notice to All Applicants, Including New York, Rhode Island and Vermont Residents: A consumer credit report may be requested in connection with this application or in connection with updates, renewals or extensions of credit granted as a result of this application. Upon your request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report.
  6. The following state-specific notices apply, as indicated, to California, Ohio, and Wisconsin applicants:

    California Residents: If you are married, you may apply for a separate account.
    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.
    Vermont Residents: We are engaged in loan production.
    Married Wisconsin Residents: If you are applying for individual credit or joint credit with someone other than your spouse, and your spouse also lives in Wisconsin, combine your financial information with your spouse’s financial information. No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under section 766.70 adversely affects the interest of the lender, unless the lender, prior to the time 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 lender is incurred. If married, you understand that your lender must inform your spouse if a credit account is opened for you.

Important Applicant Agreements:
By submitting this application for credit, you agree to the following:

  1. You are applying for any product that we may offer as part of the GreenSky® Program regardless of any product your merchant may have specifically discussed with you.
  2. All of the statements (whether verbally or written) communicated to us and to your merchant related to this application are true and correct and are made for the purposes of obtaining credit.
  3. If more than one applicant is applying, each applicant intends to apply for joint credit 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; a “joint applicant” is a person who intends to apply for joint credit and will receive the benefit of the loan). Although we allow joint applicants to apply for joint credit, we do not allow borrowers to use “co-signers”.
  4. You will provide additional financial information upon request.

By submitting this loan application, you expressly authorize us to:

  1. Obtain a credit report on you for this application and for any other legal purpose, including any account update, extension of credit, or review or collection of your loan.
  2. Share with your merchant, and manufacturer, including, respectively for each, any service providers, parent/affiliate entities, and franchisors/franchisees: (i) the application information (including our credit decision, and your credit score), and (ii) if approved, the loan information (including your approved credit limit, loan status, the repayment period, approved APR, account number, and any loan disbursement transactions).
  3. Share with any co-applicant loan related information, including but not limited to, your credit decision, proposed loan terms, and personal credit scores, which will have the same effect as personal delivery to you.
  4. Contact you about our products, services, special offers and other promotions at any email address provided to us now or in the future. Contact you at any mobile number and any future mobile number that you provide by phone or text message using an automated telephone dialing system or artificial or prerecorded voices, for any legal purpose, including but not limited to, servicing and collecting any loan. You may revoke your consent at any time by contacting us at 1-866-936-0602 or P.O. Box 2730, Alpharetta, GA 30023.
  5. Share with your merchant your contact information including address, email address, and telephone number.
  6. Contact your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider, solely to verify your identity and prevent fraud for the duration of the business relationship. See the GreenSky® Program Privacy Policy https://www.greensky.com/privacy-policy for how we treat data collected online through the GreenSky® Program websites, online through the GreenSky® Program mobile applications that link to this Privacy Policy, and offline via mail, telephone, and in person. If you are approved for a loan through the GreenSky® Program, your information may also be subject to a privacy policy specific to your lender under the GreenSky®Program.

In addition to providing personal information in connection with a GreenSky® Program Loan application, you agree that you are providing a copy of any information, including personally-identifiable information (“PII”), to GreenSky Marketing, LLC (“GS Marketing”) for its collection, use, and disclosure consistent with the GreenSky® Program Privacy Policy https://www.greensky.com/privacy-policy, including, but not limited to, using and sharing such information with unaffiliated third-parties for their marketing purposes. You also authorize your GreenSky® Program lender to provide GS Marketing with all information about you and your GreenSky® Program loan, including, but not limited to, details about your loan and loan performance so that GS Marketing may use and/or disclose such information for GS Marketing (and/or its affiliates and third-parties) to provide you with various marketing offers. You understand and agree that your written instruction and authorizations are voluntary and shall remain in effect until you revoke them by submitting an opt-out request through the webform, or by contacting us at 833-215-6867.

GreenSky® Program NMLS #1416362

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IMPORTANT NOTICES FOR REVOLVING CREDIT PRODUCTS

Please read the following authorizations, certifications and notices before submitting an application and maintain a copy of them for your records. These disclosures can be found online anytime at www.greensky.com/disclosures/#revolving.

Definitions:
For the purposes of these disclosures, the following definitions apply:
“Lender” means individually each financial institution participating in the GreenSky® Program and its agents.
“Lenders”, “we”, “us” or “our” means collectively all financial institutions participating in the GreenSky® Program and their respective agents.
“You” includes the applicant and co-applicant, if any, submitting an application for a revolving credit product with the GreenSky® Program.

Applicant Authorizations:
By submitting this credit application, you expressly authorize:

  1. Us to obtain a credit report on you for any legal purpose in connection with this credit application and, if approved, in connection with any account update, extension of credit, or review or collection of your account. 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 the report.
  2. Your Lender to share its credit decision and your credit score with your provider, and if approved, loan information, including, but not limited to, your approved credit limit, your approved annual percentage rate, and account number. You also agree to provide Lender with additional financial information upon request.
  3. Us to share with any co-applicant loan-related information, including, but not limited to, the credit decision, proposed loan terms, and personal credit scores, which will have the same effect as personal delivery to you.
  4. Us or your merchant to contact you about our or your merchant’s products, services, special offers and other promotions at any email address provided to us now or in the future. You authorize us to share with your merchant any email address provided by you to us from time to time. You may revoke your consent to receive promotional emails from us at any time by contacting us at 1-866-936-0602 or P.O. Box 2730, Alpharetta, GA 30023.
  5. Us to contact you at any mobile number, which you have provided to us from time to time, by calling or sending a text message using an automated telephone dialing system or artificial or prerecorded voices, for any legal purpose, including, but not limited to, servicing or collecting any credit account. You may revoke your consent to these calls or text messages at any time by contacting us at P.O. Box 2730, Alpharetta, GA 30023.

Applicant Certifications:

  1. All of the statements (whether verbally or written) communicated to us and to your provider related to this application are true and correct and are made for the purposes of obtaining credit
  2. If more than one applicant is applying, each applicant intends to apply for joint credit 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 will receive the benefit of the loan; although we allow joint applicants to apply for joint credit, we do not allow borrowers to use “co-signers”).

Important Notices:

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 to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, street address, mailing 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.

NOTICE FOR ALASKA RESIDENTS: You may pay your total unpaid balance at any time.

NOTICE FOR CALIFORNIA RESIDENTS. If you are married, you may apply for a separate account.

NOTICE FOR DELAWARE RESIDENTS: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

NOTICE FOR MARYLAND RESIDENTS: Finance charges will be imposed in amounts or at rates not in excess of those permitted by law.

NOTICE FOR NEW YORK RESIDENTS. New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. You can call the New York State Department of Financial Services at 1-800-522-3330 or visit www.dfs.ny.gov.

NOTICE FOR OHIO RESIDENTS. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy consumers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

NOTICE FOR RHODE ISLAND RESIDENTS: No membership or other similar fee is imposed. A consumer report may be obtained from a consumer-reporting agency in connection with your application. Upon your request (i) you will be informed whether or not consumer reports were obtained and (ii) if reports were obtained, you will be informed of the names and addresses of the credit reporting agencies that furnished the reports. A consumer report may also be requested or used in connection with any renewals or extensions, reviews or collection actions, or other legitimate purpose associated with any loan we may grant you.

NOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral statement under Section 766.59 or a court decree under Section 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.

Revised: Jan. 2019

LICENSES: NMLS #1416362; CT SLC-1416362; NJ MT #1501607 C22

Please read the following important agreements and disclosures. This is a credit application, and submitting it means that you have read and agree to all the steps described below. These agreements and disclosures can be found online anytime at www.greensky.com/disclosures/#patient. Please retain a copy of them for your records.

Definitions:
For the purposes of these disclosures, the following definitions apply:
“Lender,” “us,” “we” or “our” shall include any financial institution, and their agents, service providers, and representatives, participating in the GreenSky Patient Solutions® Program.
“You” or “your” shall include any applicant and any co-applicant, if any, collectively, submitting an application for a loan with the GreenSky Patient Solutions® Program.

APPLICATION AGREEMENTS AND DISCLOSURES FOR THE GREENSKY PATIENT SOLUTIONS® PROGRAM

We are providing the following Disclosures to you in connection with your application for a loan from one of the financial institutions offering the GreenSky Patient Solutions® Program.

Important Disclosures:

By submitting this application for credit, you agree that you have read and understand the following:

  1. THE FOLLOWING IS 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 to obtain, verify, and record information that identifies each person who opens a new account. What this means for you: 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.
  2. In providing your income as part of this application, or in providing any subsequent update to your income, alimony, child support, or separate maintenance payments need not be revealed if you do not wish to have them considered in evaluating your creditworthiness.
  3. 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 the report.
  4. If approved for a loan, a Shopping Pass will be issued to you. Use of your Shopping Pass or any other use of your installment loan to make a purchase, whether in office, online, on the telephone, with your provider or otherwise by any borrower authorized under the loan agreement, will constitute acceptance by all borrowers of the loan and the loan agreement governing the Shopping Pass. The physical and/or electronic records of any such purchase will constitute the signature of all borrowers on the loan agreement and will have the same legal effect as a physical signature.
  5. Notice to All Applicants, Including New York, Rhode Island and Vermont Residents: A consumer credit report may be requested in connection with this application or in connection with updates, renewals or extensions of credit granted as a result of this application. Upon your request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report.
  6. The following state-specific notices apply, as indicated, to California, Ohio, and Wisconsin applicants:
    California Residents: If you are married, you may apply for a separate account.
    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.
    Vermont Residents: We are engaged in loan production.
    Married Wisconsin Residents: If you are applying for individual credit or joint credit with someone other than your spouse, and your spouse also lives in Wisconsin, combine your financial information with your spouse’s financial information. No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under section 766.70 adversely affects the interest of the lender, unless the lender, prior to the time 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 lender is incurred. If married, you understand that your lender must inform your spouse if a credit account is opened for you.

Important Applicant Agreements:

By submitting this application for credit, you agree to the following:

  1. You are applying for any product that we may offer as part of the GreenSky Patient Solutions® Program regardless of any product your provider may have specifically discussed with you.
  2. All of the statements (whether verbally or written) communicated to us and to your provider related to this application are true and correct and are made for the purposes of obtaining credit.
  3. If more than one applicant is applying, each applicant intends to apply for joint credit 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; a “joint applicant” is a person who intends to apply for joint credit and will receive the benefit of the loan). Although we allow joint applicants to apply for joint credit, we do not allow borrowers to use “co-signers”.
  4. You will provide additional financial information upon request.
By submitting this loan application, you expressly authorize us to:

  1. Obtain a credit report on you for this application and for any other legal purpose, including any account update, extension of credit, or review or collection of your loan.
  2. Share with your provider our credit decision, including your credit score, and if approved, the loan information, including, but not limited to, your approved credit limit, the repayment period for your loan, your approved APR, and your account number.
  3. Share with any co-applicant loan related information, including but not limited to, your credit decision, proposed loan terms, and personal credit scores, which will have the same effect as personal delivery to you.
  4. Contact you about our products, services, special offers and other promotions at any email address provided to us now or in the future. Contact you at any mobile number and any future mobile number that you provide by phone or text message using an automated telephone dialing system or artificial or prerecorded voices, for any legal purpose, including but not limited to, servicing and collecting any loan. You may revoke your consent at any time by contacting us at 1-866-936-0602 or P.O. Box 2730, Alpharetta, GA 30023.
  5. Share with your provider your contact information including address, email address, and telephone number.
  6. Contact your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider, solely to verify your identity and prevent fraud for the duration of the business relationship. See the GreenSky® Program Privacy Policy for how we treat data collected online through the GreenSky® Program websites, online through the GreenSky® Program mobile applications that link to this Privacy Policy, and offline via mail, telephone, and in person. If you are approved for a loan through the GreenSky Patient Solutions® Program, your information may also be subject to a privacy policy specific to your lender under the GreenSky Patient Solutions® Program.

Transparency Principles

  • Financing for the GreenSky Patient Solutions® Program is provided by federally-insured, federal and state chartered financial institutions without regard to race, color, religion, national origin, sex, marital or familial status or age (provided the applicant has the capacity to enter into a binding contract); the fact that all or part of the applicant's income derives from any public assistance program; or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Consumer Financial Protection Bureau.
  • The GreenSky Patient Solutions® Program offers unsecured installment and revolving loans and is NOT an in-house credit product.
  • For deferred interest products, you will pay an interest rate up to 24.99% (see your Installment Loan Agreement for details). The interest is billed at your interest rate from the date of purchase. Finance charges will be waived ONLY IF the entire purchase balance is paid in full prior to the end of the promotional period.
  • GreenSky Patient Solutions® Program loans should only be used to pay for costs incurred or services actually rendered within 30 days of the charge. If services are not rendered within 30 days, you have the right to an automatic refund. Additional services may be billed as you receive them from your provider.
  • Your provider agrees to respond to and fully cooperate with inquiries from the GreenSky Patient Solutions® Program regarding consumer complaints within ten (10) business days of the inquiry.
  • You must apply directly with the GreenSky Patient Solutions® Program online or over the telephone. If your provider does not permit you to apply directly with the GreenSky Patient Solutions® Program or requires you to complete a paper application, you will have the right to reverse the charge from your account, even if services are rendered. If you exercise this right, the GreenSky Patient Solutions® Program may chargeback your provider for the transaction.
  • Except if required by applicable law, neither GreenSky Patient Solutions, nor the financial institutions that make loans through the Program, assume any responsibility or duty of care for the quality or outcome of any health care items and services you receive from your provider.

GreenSky Patient Solutions® Program NMLS #1416362

Please read the following important notices, certification, and authorizations before submitting an application. Please retain a copy of these for your records. These disclosures can be found online anytime at www.greensky.com/disclosures.

Definitions:
For the purposes of these disclosures, the following definitions apply:
“Lender,” “us,” “we” or “our” shall include any financial institution participating in the GreenSky® Program.
“You” shall include any applicant and any co-applicant, if any, collectively, submitting an application for a loan with the GreenSky® Program.

Important Notices from Us to You:

  1. THE FOLLOWING IS 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 to obtain, verify, and record information that identifies each person who opens a new account. What this means for you: 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.
  2. In providing your income as part of this application or any subsequent update to your income, Alimony, child support, or separate maintenance payments need not be revealed if you do not wish to have them considered.
  3. 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.
  4. Where applicable, you will be charged a one-time Account Activation Fee (finance charge) of $39 at the time of first purchase.
  5. If approved for a loan, a Shopping Pass will be issued to you. Use of your Shopping Pass or otherwise using your installment loan to make a purchase, whether in store, online, on the telephone, with 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.
  6. The following state-specific notices apply, as indicated, to California, Ohio, and Wisconsin applicants:
    California Residents: If you are married, you may apply for a separate account.
    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.
    Married Wisconsin Residents: If you are applying for individual credit or joint credit with someone other than your spouse, and your spouse also lives in Wisconsin, combine your financial information with your spouse’s financial information. No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under section 766.70 adversely affects the interest of the lender, unless the lender, prior to the time credit is granted, is furnished a copy of the agreement, statement of decree or has actual knowledge of the adverse provision when the obligation to the lender is incurred. If married, you understand that your lender must inform your spouse if a credit account is opened for you.


Important Certifications and Authorizations from You to Us:

Applicant Certifications:

By submitting this application for credit, you certify the following:

  1. You are applying for any product that we may offer as part of the GreenSky® Program regardless of any product your merchant may have specifically discussed with you.
  2. All of the statements (whether verbally or written) communicated to us and to your merchant related to this application are true and correct and are made for the purposes of obtaining credit.
  3. If more than one applicant is applying, each applicant intends to apply for joint credit 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 will receive the benefit of the loan; although we allow joint applicants to apply for joint credit, we do not allow borrowers to use “co-signers”).

Applicant Authorizations:

By submitting this loan application, you expressly authorize us to:

  1. Obtain a credit report on you for any legal purpose in connection with this loan application, including any account update, extension of credit, or review or collection of your loan.
  2. Share with your merchant our credit decision, including your credit score, and if approved, the credit decision and loan information, including, but not limited to, your approved credit limit, the repayment period for your loan, your approved APR, and account number. You also agree to provide additional financial information upon request.
  3. Share with any co-applicant loan related information, including but not limited to, your credit decision, proposed loan terms, and personal credit scores, which will have the same effect as personal delivery to you.
  4. Contact you about our products, services, special offers and other promotions at any email address provided to us now or in the future. Contact you at any mobile number and any future mobile number that you provide by phone or text message using an automated telephone dialing system or artificial or prerecorded voices, for any legal purpose, including but not limited to, servicing and collecting any loan. You may revoke your consent at any time by contacting us at 1-866-936-0602 or P.O. Box 2730, Alpharetta, GA 30023.
  5. Share with your merchant your contact information including address, email address, and telephone number.



GreenSky® NMLS #1416362