By completing and submitting an application, I/we certify that I/we am/are of legal contracting age and that I/we have read, understand, and agree to all
of the terms stated here. By signing below, I/we certify that all information provided on this application is correct and complete to the best of my/our
knowledge. I/we acknowledge that GEMS has retained Energy Finance Solutions (EFS), a service offered by WECC, to process this application and
underwrite my/our loan. I/we authorize(s) EFS to obtain credit reports in connection with my/our loan request. If necessary, I/we further agree to
provide additional information to WECC/EFS to underwrite my/our loan request. I/we understand and authorize EFS and WECC to retain this
application whether or not it is approved.
I further agree, as the authorized energy supplier account holder, that GEMS and WECC/EFS may share with and disclose to, orally and/or in writing,
the contractor identified by me above, or as subsequently identified by me to EFS, the following information regarding this application: energy usage
history; whether the application has been preapproved by EFS and any additional items requested by EFS in order to complete my loan approval;
whether the application has been approved by EFS so that my contractor(s) can proceed with scheduling the work; and whether my application has
been denied so that the contractor(s) can determine if there is other financing available and whether I intend to proceed.
Additionally, if this application is approved and the loan I/we have requested is made, I/we also authorize WECC/EFS to share such information
concerning: my/our electric and/or gas utility billing account number; the charges payable by me/us under the promissory note that I/we will sign; and
other non-public information that I/we provided. I further authorize my gas and/or electric service and their employees, contractors and agents to share
such information concerning my electric and/or gas utility usage and billing information with WECC/EFS, and GEMS and/or its agent(s).
I/We understand that the contractor completing my/our installation will be funded for the full amount of the project, less the origination fee, upon
satisfactory completion of the installation. No origination fees shall be paid directly by me/us to either WECC/EFS or the contractor, and the origination
fee shall be reflected in the Annual Percentage Rate (APR) for the financing made available to me/us.
I/We understand and agree that EFS and WECC do not guarantee the security of any data submitted electronically and will not be held responsible or
liable for interception by third parties. I/We understand and agree that in no event will EFS or WECC be liable for any technical, hardware or software
failure of any kind, any interruption in the availability of this service, any delay in operation or transmission, any incomplete transmission, computer
virus, loss of data, or other similar loss.
The State is required according to section 92F-12(a)(8) of the Hawaii Revised Statutes to collect and make available upon request “the name, address
and occupation of any person borrowing funds from a state or county loan program and the amount, purpose, and current status of the loan.”
My signature also authorizes and grants HGIA unrestricted permission to share the information provided on this application with HGIA’s Servicing
Agent, HGIA’s Board of Directors and the State of Hawaii.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applications on the basis of race, color, religion, national
origin, sex, marital status, or age.