P.O. Box 1704, Clemmons, NC 27012
TELEPHONE: 1-800-438-8892 FACSIMILE: 1-800-438-8894
www.shefﬁeldﬁnancial.com

I INTEND TO APPLY FOR JOINT CREDIT

Applicant

(initials) 

Joint Applicant

(initials) 

JOINT APPLICATION WITH

Applicant Full Name

AND

Joint Applicant Full Name

TYPE OF ACCOUNT REQUESTED:

(cid:31)

INSTALLMENT LOAN (Sections 1 and 3 apply)

(cid:31)

SHEFFIELD CARD (Sections 1, 2 and 3 apply)

APPLICANT INFORMATION

FIRST NAME

LAST NAME

MIDDLE

JR/SR

PRESENT STREET ADDRESS (NOT P.O. BOX)

APT. #

CITY

HOME TELEPHONE

CELL PHONE

SOCIAL SECURITY #

BIRTH DATE

STATE

ZIP CODE

HOW LONG? 
YEARS
(cid:31) OWN  (cid:31) RENT FREE
(cid:31) RENT  (cid:31) UNKNOWN

MAILING ADDRESS IF DIFFERENT FROM ABOVE

APT. #

CITY

STATE

ZIP CODE

EMAIL ADDRESS  By providing, I agree that Sheffield may use this email address to correspond with me regarding my personal account information.

EMPLOYMENT INFORMATION • SELF EMPLOYMENT

CURRENT EMPLOYER (IF SELF EMPLOYED, BUSINESS NAME)

BUSINESS TELEPHONE NUMBER

EMPLOYER ADDRESS

GROSS MONTHLY INCOME*
*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.

HOW LONG?  YRS. - MOS.

POSITION
CITY
(cid:31) CHECK IF LOAN TO BE IN BUSINESS NAME ABOVE. GUARANTY AGREEMENT REQUIRED.

ZIP CODE

STATE

NAME OF NEAREST RELATIVE NOT LIVING WITH YOU

TELEPHONE NUMBER

CITY

BANK INFORMATION

BANK NAME

STATE

ZIP CODE

STATE WHERE ACCOUNT OPENED

MANUFACTURER/MAKE:

MODEL:

VIN/SERIAL#:

PRICE:

ACCESSORIES AND OTHER CHARGES/FEES (LIST)

*If equipment being traded in is financed through Sheffield, call us fo pay-off and instructions.

IMPORTANT INFORMATION ABOUT ACCOUNT OPENING PROCEDURES: Federal law requires all financial institutions, prior to account opening, to obtain,
verify, and record information that identifies each person who asks to open an account. 

WHAT THIS MEANS TO YOU: When you apply for credit, we will ask 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.

DEALER USE ONLY

APPLICANT’S DRIVER’S LICENSE NUMBER

STATE

EXP. DATE

JOINT APPLICANT DRIVER’S LICENSE NUMBER

STATE

EXP. DATE

DEALER/EMPLOYEE NAME COMPLETING DRIVER’S LICENSE INFORAMTION

(cid:31)

SIGNATURES MATCH

(cid:31)

PHOTOS MATCH

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JOINT APPLICANT INFORMATION

An additional card will be issued to you. The primary card holder (and joint applicant, if any) will be jointly and severally liable
for all purchases made and all amounts due on the account.

FIRST NAME

LAST NAME

MIDDLE

JR/SR

PRESENT STREET ADDRESS (NOT P.O. BOX)

APT. #

CITY

STATE

ZIP CODE

YEARS

HOME TELEPHONE

CELL PHONE

SOCIAL SECURITY #

BIRTH DATE

MAILING ADDRESS IF DIFFERENT FROM ABOVE

APT. #

CITY

STATE

ZIP CODE

EMPLOYMENT INFORMATION • SELF EMPLOYMENT

CURRENT EMPLOYER (IF SELF EMPLOYED, BUSINESS NAME)

BUSINESS TELEPHONE NUMBER

EMPLOYER ADDRESS

*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.

HOW LONG?  YRS. - MOS.

GROSS MONTHLY INCOME*

CITY

STATE

ZIP CODE

POSITION

Truth In Lending Disclosure - SHEFFIELD CARD ONLY 

INTEREST RATES AND INTEREST CHARGES

ANNUAL PERCENTAGE RATE (APR) 
for Purchases (Standard Rate) ** 

PENALTY APR AND WHEN
IT APPLIES

As of 8/1/11, the Standard Rate is 17.99%, which may vary monthly based on The Wall Street Journal Prime Rate.  

As of 8/1/11, 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
Penalty Fees
    • LATE FEE

NONE

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 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 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 has been modiﬁed by a Promotional Offer, once your Account changes to either the Penalty APR or Standard Rate, your Minimum Payment 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 had previously 
been modiﬁed by a Promotional Offer, once the Penalty APR applies, if you make any required Minimum Payment 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, 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 1 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, 2011, 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.

If this Application for credit (“ Application”) is for a Shefﬁeld Card, I hereby certify that I have read and agree to the terms set forth in the above Truth in Lending Disclosures in Section 2, which contain important 
rate, fee, and other cost information.
This Application is to Shefﬁeld Financial, a division of BB&T Financial, FSB (“Shefﬁeld”). If this Application is for a Shefﬁeld Card, by submitting this Application, I ask that Shefﬁeld issue me a credit card if my 
Application is approved. 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.
I consent for Shefﬁeld to obtain a consumer credit report or consumer credit reports in conjunction with this request and, if credit should be granted, to also obtain in connection with the same account, future 
credit reports for the purposes of reviewing the account, increasing the credit line, collection action, or other legitimate purpose. 
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 interest 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.
Married Wisconsin Residents: If you are married, your signature conﬁrms that any obligation under this account will be incurred in the interest of your marriage or family. No provision of any marital property 
agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor’s interests unless the creditor, prior to the time credit is granted, is furnished with a copy of the 
agreement, statement, or court order, or has actual knowledge of the provision.

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SIGNATURE (Primary Applicant)

SIGNATURE (Joint Applicant)

DATE

DATE

REV. 8/1/11

DRAFT