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, address, date of birth, and other information that will allow us to identify you. We may also ask to see your government-issued photo identification or other identifying documents. The approval process may take longer if additional documents are requested.

Applied Data Finance, LLC d/b/a Personify Financial, and its affiliates¹, service providers or agents and their successors and assigns (collectively, "we", "us" "our," or "Personify") provides you with a platform (the "Platform") through which you may submit prequalification inquiries for review by select creditors or other financial service providers with whom Personify has a relationship (the “Participating Creditor”).

When you submit your information through this website, your information may be reviewed for: (1) a loan made by Personify Financial, where available; (2) a loan made by First Electronic Bank, a Utah-chartered industrial bank located in Salt Lake City, Utah, where available, through the Personify Platform; or (3) offers from Participating Creditors. Not all applicants will qualify, and submitting your information does not guarantee a loan offer or loan approval. Rates, terms, and licensing information vary by state and by lender. To review the loan programs, rates, terms, and licensing information applicable to your state, please visit our Rates, Terms, and Licensing Information page and select your state of residence. See our Prequalification Terms and Conditions for additional details.

Lead Generator and Information Sharing Disclosure

By submitting your information through this website, you also acknowledge and agree that Personify Financial operates as a loan lead generator. As part of our services, the information you provide may be used to evaluate your eligibility for one or more loan programs offered by our Participating Creditors.

In order to identify potential loan options that may meet your needs, your information may be reviewed against multiple lending criteria and program requirements. If you are not eligible for a loan product offered directly by Personify Financial or First Electronic Bank, you expressly consent to Personify Financial sharing your information with our Participating Creditors so that they may evaluate your application and potentially present you with alternative loan offers. These third parties may use the information you provide to perform credit checks, verify your identity, and assess your eligibility for their respective products and services, in accordance with their own privacy policies and applicable law.

Personify Financial and First Electronic Bank do not provide, own, control or guarantee third-party products or services accessible through Participating Creditors (collectively, "Third-Party Products"). The Third-Party Products are owned, controlled or made available by the Participating Creditors . Should you choose to purchase any Third-Party Products, the Participating Creditors’ terms and privacy policies apply to your purchase. Personify Financial may receive compensation from Participating Creditors for referring you to them, their products or to their website.

For more information on how your data is collected, used, and shared, please review our Privacy Policy. If you do not wish to have your information shared with third parties, you should not submit your information through this website.

To obtain a loan, you must apply online and have a valid checking account. Loans offered vary by loan program and state. The actual loan amount, term, and APR that you may qualify for may vary based upon your creditworthiness and program parameters. We reserve the right to confirm your creditworthiness at any time prior to the funding of your loan. APR = Annual Percentage Rate. The APR is the cost you pay each year to borrow money, including any fees charged for the loan, expressed as a percentage. The APR is a broader measure of the cost to you of borrowing money since it reflects not only the interest rate but also the fees that you have to pay to get the loan. To see payment examples and program parameters please visit our Rates, Terms and Licensing Information page and select your state of residence.

¹Affiliates include wholly-owned, state-licensed subsidiaries, each of which also does business as Personify Financial in the state in which they are licensed. Such affiliates include: ADF of Alabama, LLC, ADF of California, LLC, ADF of Delaware, LLC, ADF of Georgia, LLC, ADF of Idaho, LLC, ADF of Missouri, LLC, ADF of New Mexico, LLC, and ADF of South Carolina, LLC.

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