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Houston Superbikes
6400 Acme Rd
713-222-2332
713-774-3100
Monday: Closed
Tues-Fri 9am-7pm (CST)
Sat: 10am-6pm
Sunday: Closed

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Customer Credit Application

We offer the best financing options. To see if you pre-qualify, fill out the form below and submit. A HSBK representative will contact you once your application has been processed. Please allow 24-48 business hours for us to process your application.

Loan Information

Customer Business Information

Primary Applicant

Mailing Information

Contact Information

Employer Information

Nearest Relative Information

E-Sign Act Notice Of Delivery Of Disclosures

Federal regulation requires financial institutions to inform loan applicants that certain disclosures related to this on-line application will be delivered electronically (e.g., screen display). Should the application be denied, Notice of Adverse Action will be sent to the applicant(s) via U.S. Postal Service. Should the application be approved and applicant(s) enter into a loan with us through the dealership of their choice, copies of loan-related disclosures will be provided to them by the dealership where the transaction is completed. Applicants must agree to this notice for the application process to continue.

General Application Disclosure

This Application for Credit ("Application") is to Sheffield Financial, a division of BB&T Financial FSB (“Sheffield”). I have read this Application and everything stated in it is true. I authorize Sheffield to check my credit, employment history, or any other information, and to report such information, and its credit experience with me, to others. I am at least 18 years of age. Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

I hereby certify that the property purchased pursuant to this application is for my personal and/or business use; that I am fully responsible for making all payments for such property; that such property will be in my possession or under my control until the amount financed and all finance charges have been paid in full; and that I am not purchasing any property financed through Sheffield for the benefit or use of another without the prior written approval of Sheffield.

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.

Truth In Lending Disclosure - Sheffield Card Only

INTEREST RATES AND INTEREST CHARGES

ANNUAL PERCENTAGE RATE (APR) for Purchases (Standard Rate)**: As of August 1, 2012, the Standard Rate is 17.99%, which may vary monthly based on the Wall Street Journal Prime Rate.
PENALTY APR AND WHEN IT APPLIES: As of August 1, 2012, the Penalty APR is 23.99%, which may vary monthly based on the Wall Street Journal Prime Rate. This APR may be applied to your account if you ever fail to pay the Minimum Payment Due within 60 days of the Payment Due Date. The Penalty APR will apply until you make six consecutive Minimum Payments when due.*
How To Avoid Paying Interest On Purchases: None. There is No Grace Period for repayment of the balance of purchases.
For Credit Card Tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

FEES

ANNUAL FEE: NONE
Penalty Fees LATE FEE: Up to $25.00. If the minimum payment is not received by the due date, you will be charged this fee for each occurrence.

How We Calculate Your Balance: We use a method called "Balance Subject to Interest Rate (Average Daily Balance) (including new purchases)."

*If at any time you fail to pay the Minimum Payment Due on your Account within 60 days of the Payment Due Date, the Penalty APR will apply to all existing balances on your Account and all new transactions 45 days after Sheffield provides you with notice of the change to the Penalty APR. Once the Penalty APR applies, if you make any required Minimum Payment Due by the Payment Due Date for six (6) consecutive billing periods, the Standard Rate (rather than the Penalty APR) will apply to all existing balances on your Account and all new transactions beginning with the first day of the billing period reflected on the next Statement. If your Minimum Payment Due has been modified by a Promotional Offer, once your Account changes to either the Penalty APR or Standard Rate, your Minimum Payment Due will be the greater of $10 or 3% of the original purchase amount, plus any applicable fees and charges as of your Statement's closing date. HOWEVER, if your APR and/or Minimum Payment Due had previously been modified by a Promotional Offer, once the Penalty APR applies, if you make any required Minimum Payment Due by the Payment Due Date for six (6) consecutive billing periods beginning with the first billing period immediately following application of the Penalty Rate, your Promotional Offer will be restored, unless it has expired, and your Account will be returned to the APR, Minimum Payment Due, and any remaining promotional period in effect before the application of the Penalty Rate, but the original Promotional Offer expiration date will not be extended by the Penalty Rate period.

The Prime Rate used to determine your APR is the most recent Prime Rate published in the "Money Rates" section of The Wall Street Journal on the last business day of the month preceding the first day of each billing period. For example, the prime rate used for the billing period beginning July 1st will be that published on the last business day in June. The Standard Rate APR is determined monthly by adding 10.80% to the Prime Rate, subject to a minimum of 17.99% if the Prime Rate falls below 7.19%. The Penalty APR is determined monthly by adding 19.80% to the Prime Rate, subject to a minimum of 23.99% if the Prime Rate falls below 4.19%.

**A documentation fee of up to $500 may be applied to your account depending on the purchase being made. The documentation fee constitutes an Interest Charge, which will be added to the purchase balance.

The Promotional Offer, documentation fee and other charges may be negotiated with Merchant/Dealer who may receive a portion of the Interest Charge or other charges and may affect the cost of your loan.

The above information about the costs of the Card was printed on August 1, 2012 and was accurate as of that date. This information may change after that date. To find out what may have changed, write to us at Sheffield Financial, a division of BB&T Financial, FSB, P.O. Box 1704, Clemmons, NC 27012 or call toll-free 1-888-438-8837.

Not agreeing to the Disclosure Information will cancel this electronic process. Applicant(s) may accept and continue, or may apply in writing through a dealer of their choice. Applicant(s) understand and agree to these disclosures.

If you want to do a joint application, contact sales@houstonsuperbikes.com

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