Financial Disclosure

Legacy Capital 26 provides financing subject to credit review, eligibility requirements, applicable law and final approval.

Submitting an application does not guarantee approval or constitute a commitment to extend credit.

Financing terms may vary based on factors including:

• Amount financed;
• Financing term;
• Applicant credit profile;
• Ability to repay;
• Required down payment;
• Transaction characteristics;
• Applicable state law;
• Other underwriting considerations.

The financing terms offered to you may differ from examples or estimates displayed on our website.

Before entering into a financing transaction, approved applicants will receive disclosures and contractual documentation applicable to their specific financing arrangement.

Depending on the transaction, these may include:

• Amount Financed
• Annual Percentage Rate (APR)
• Finance Charge
• Total of Payments
• Number and Amount of Payments
• Payment Due Dates
• Down Payment
• Applicable Fees
• Late or Returned-Payment Provisions
• Prepayment Terms
• Default Provisions

You should review all financing documents carefully before signing.

Any financing calculator, monthly-payment example or estimated payment displayed on our website is provided for informational purposes only unless expressly identified as a binding offer.

Actual terms will be determined following review of your application and will be provided before you enter into the financing agreement.

Financing is subject to approval.

As part of the application process, Legacy Capital 26 may verify your identity, financial information and other application information and may obtain information from consumer reporting or other verification services where permitted by applicable law.

A separate authorization or disclosure may be provided when required.

Legacy Capital 26 evaluates financing applications in accordance with applicable fair-lending and equal-credit-opportunity requirements.

We do not discriminate against applicants on a prohibited basis in connection with a credit transaction.

An application may be:

• Approved – Financing is offered on specified terms.
• Conditionally Approved – Additional documentation or information may be required.
• Counteroffered – Financing may be available on terms different from those requested.
• Declined – Financing cannot be offered based on the application and applicable underwriting criteria.

Where required by applicable law, applicants will receive notices regarding adverse credit decisions and applicable rights.

Your financing agreement will specify your payment amount, payment schedule and accepted payment methods.

If automatic payments are selected, a separate authorization may be required.

You are responsible for ensuring that sufficient funds are available for scheduled payments.

Late-payment charges, returned-payment charges or other amounts will apply only as provided in your financing agreement and permitted by applicable law.

Your financing agreement will state any rights, conditions or charges applicable to early repayment or prepayment.

Product returns, exchanges, cancellations and warranties may be governed by the policies of the merchant from which the product was purchased and applicable law.

If a purchase is cancelled or refunded, any resulting adjustment to your financing balance will be handled in accordance with your financing agreement and the applicable transaction.

Website information, calculators, examples or marketing materials are not substitutes for the financing agreement and disclosures issued for your specific transaction.

Your executed financing agreement and transaction-specific disclosures will control the terms of your financing.