E-Sign Conditions

CONSUMER DISCLOSURE

This notice contains important information that you are entitled to receive before you consent to transact business with us electronically.

Eaglemark Savings Bank (“ESB”), a subsidiary of Harley-Davidson Financial Services, Inc., is required by law to provide you with certain disclosures and information. ESB will deliver these disclosures to you electronically, if you consent by clicking the “I Agree with e-Sign Terms” check box below, by displaying on the computer screen the Credit Application-Customer Statement(“Credit Application”) and, if applicable, other documents such as associated notices, disclosures, and other supporting documents (the Credit Application and these other documents collectively, the “Transaction Documents”). Some of the Transaction Documents will require your electronic signature. Your electronic signature will be your act of clicking the "Submit" button. After you electronically sign the Transaction Documents, you may obtain printed copies of your Transaction Documents from your Harley-Davidson Dealer Representative or you may contact us, as described below, to request a copy for you to retain for your records.

How to contact us:

You may contact us to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically as follows:

Statement of Electronic Disclosures:

If you consent to electronic delivery of Transaction Documents and you change your mind prior to submission, you will have the opportunity to withdraw consent and terminate the application process. If you wish to withdraw your consent to the use of electronic records and signatures, you may do so by quitting the application process at any time prior to submission.

Once you submit your Transaction Documents, you may request a paper copy.

ESB may require that certain communications or documents from you be delivered to ESB on paper through your Harley-Davidson Dealer Representative.

AGREEMENT/CONSENT

1. I have read the information in this consent disclosure about the use of electronic records and electronic signatures to provide and sign Transaction Documents in connection with my transaction with ESB.
2. I consent to the use of electronic records and electronic signatures to provide Transaction Documents in connection with my transaction with ESB in place of paper documents and handwritten signatures.
3. I understand that my electronic signature will bind me to the terms and conditions of the Credit Application as if I had signed the Credit Application on paper with an ink signature.
4. I understand that any personal information I provide will be collected and handled subject to the HDFS privacy policy. 

NOTICE TO APPLICANT(S)

This Credit Application–Customer Statement will be submitted to Eaglemark Savings Bank, and its successors and assigns, at P.O. Box 22048, Carson City, Nevada 89721, for consideration of whether it meets the credit requirements of Eaglemark Savings Bank, and its successors and assigns.

Applicant will be required to obtain and pay for vehicle insurance covering the collateral for the full term of the loan, for liability and physical damage for both collision and comprehensive losses to include such perils as FIRE, THEFT, and VANDALISM. Eaglemark Savings Bank, and its successors and assigns, must be listed as a LOSS PAYEE AND ADDITIONAL INSURED. Applicant may obtain the required insurance in connection with the extension of credit from any reasonably acceptable insurance producer or insurer that sells such insurance. Applicant’s choice of insurance provider will not affect our credit decision or applicant’s credit terms.

NOTICE TO CALIFORNIA RESIDENTS: Regardless of your marital status, you may apply for credit in your name alone.

NOTICE TO OHIO RESIDENTS: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy 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.

NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision of a marital property agreement, a 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.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A CREDIT ACCOUNT WITH EAGLEMARK SAVINGS BANK – 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 a credit account with Eaglemark Savings Bank, 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.

BY SUBMITTING THIS APPLICATION, I ACKNOWLEDGE THAT:

• I understand that by providing my wireless telephone number(s) and/or email address(es) now or in the future, I consent to the use of recorded/artificial voice messages and/or automatic telephone dial devices that may contain my non-public information. My consent covers the use of these contact methods to call or send text to the wireless telephone number(s) and to send text or email messages to the email address(es) I provide to you, for which I may incur a charge; and

• I understand that any credit insurance products and GAP (where applicable) are not deposits or other obligations of, or guaranteed or insured by, Eaglemark Savings Bank (ESB) or its affiliates. I understand that these products and debt protection are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States; and

• I understand that I am free to purchase credit insurance products and GAP (where applicable) from another source, and that ESB does not condition credit on whether these products are purchased from ESB or its affiliates, and ESB does not require me to agree not to obtain these products from another source; and

• I have read the Notice to Applicant(s) sections, and I agree to the terms and conditions set forth in this Credit Application–Customer Statement, I have received the Harley-Davidson Financial Services Privacy Notice; and

• To facilitate this loan application, I authorize Eaglemark Savings Bank to obtain and share with the dealer any information about any current or prior accounts with Harley-Davidson Financial Services, Inc., and its subsidiaries, and any other creditor that has financed a trade-in vehicle; and

• I hereby authorize an investigation of my credit and employment history by ESB, its successors and assigns, and/or certain insurance agents or companies. I understand that my credit and employment history obtained in, and in connection with, this Credit Application–Customer Statement will be used in determining my eligibility for credit approval by ESB, and its successors and assigns. If approved, ESB, and its successors and assigns, may obtain credit information about me on an ongoing basis in connection with this extension of credit transaction for any one or more of the following reasons: (1) reviewing the account; (2) taking collection action on the account; or (3) any other legitimate purposes associated with the account; and

I CONSENT TO THE USE OF MY CREDIT REPORT INFORMATION FOR MARKETING PURPOSES TO OFFER ME OTHER PRODUCTS AND SERVICES including H-D™ VISA®; AND

• I AUTHORIZE EAGLEMARK SAVINGS BANK TO SHARE MY PERSONAL INFORMATION CONTAINED IN THIS APPLICATION WITH THE DEALER FOR USE BY THE DEALER; AND

• I hereby certify that the information I have provided in this Credit Application–Customer Statement is complete and accurate to the best of my knowledge.