BY SIGNING BELOW, YOU HEREBY:
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(1) certify that all information you have provided on this application or in connection with this application is true, correct, and complete;
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(2) understand and agree Naturally Wood Furniture and/or American First Finance (AFF, we, us, or our) may contact any person or company listed for information about you, and you
fully release all parties from all liability for any damage that may result;
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(3) understand that this application is subject to approval;
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(4) understand and agree that Naturally Wood Furniture and/or AFF may obtain a consumer report in connection with (a) your application, and/or (b) any update, renewal, or extension of
any transaction as a result of your application or other transaction hereto related;
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(5) understand that if you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report;
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(6) understand that AFF may process a card authorization transaction to validate the card(s) listed on your application;
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(7) as part of AFF's information collection process, AFF may detect additional bank accounts and/or payment cards under your ownership. AFF will consider these additional
accounts/cards to be part of the application process. By applying, you authorize AFF to search for, evaluate, and initiate debits to bank accounts and/or payment cards
under your ownership for this purpose.
By signing below, you also agree that:
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Naturally Wood Furniture, AFF, and/or Naturally Wood Furniture's and AFF's affiliates, successors, assigns, service providers, and agents (collectively,
""Authorized Parties"") can contact you about your account via email, telephone (including, but not limited to, calls to cell phones and any other service for which the
called party is charged for the call or message), or text messages at any email address or phone number you provide to one or more Authorized Parties now or in the future,
even if you are charged for the call or message. This consent includes, but is not limited to, contact by prerecorded or artificial voice messages, text messages, emails,
and/or automatic telephone dialing systems. Message and data rates may apply. You certify that the number(s) you provide to one or more Authorized Parties are for phone
number(s) that belong to you. You also agree that, from time to time, one or more Authorized Parties may monitor telephone conversations between you and the Authorized
Party to assure the quality of customer service. You also agree to promptly notify AFF if any phone number you have provided is (i) surrendered by you, (ii) changed by
you, or (iii) transferred from a residential line to a wireless/cellular line. You also agree that one or more Authorized Parties can contact you about your account
through any social media service or other third-party platform, such as, but not limited to, Facebook, Twitter, Snapchat, and any other third-party plug-in, integration,
or application.
State Notices
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California Residents: If you are married, you may apply for a separate account.
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New York Residents: A consumer credit report may be obtained in connection with evaluating your application and subsequently in connection with updates, renewals,
or extensions of any credit for which this application is made. Upon your request, you will be informed whether a report was obtained, and if so, of the name and
address of the consumer reporting agency.
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Ohio Residents: The 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.
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Wisconsin Residents: No provision of a marital property agreement (including a Statutory Individual Property Classification Agreement pursuant to Wis. Stat. 766.587),
a unilateral statement under Wis. Stat. 766.59, or a court decree under Wis. Stat. 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.