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PRE-QUALIFICATION AND LOAN/FINANCE OFFER RELATED DISCLOSURES

Horizon Digital Finance, LLC ("HDF") is not acting as a lender, bank, credit union or finance company (collectively, “Lender”) related to this request for a loan/finance offer for automobile financing, refinancing and/or purchase (each, a “Financing”). The HDF service facilitates a consumer’s request for loan/finance offers process through select Lenders, and if credit is not available through those Lenders, then you authorize HDF to share your information with its affiliates and select lead generators to further facilitate credit on your behalf (“Credit Sources”). A current list of Lenders and Credit Sources to which your information may be sent is available by checking the Lender Directory.

Further, HDF or any Lender or Credit Source who receives your information, may contact you at any of the phone numbers you have provided, using text messages, prerecorded or artificial voice messages, or an automatic telephone dialing system, even if the phone number is a cell phone number or if the contact results in a charge to you. Additionally, HDF may send nonpublic personal or loan/finance offer information to you via text message or email. Your consent is to be effective even if your calling numbers are included in a do-not-call list or registry.

Consent is not required to submit an Offer Form or to utilize any of HDF’s services, and you may choose to be contacted by an individual representative by calling 1-214-540-3350.

Important information about procedures for requesting a loan/finance offer and 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 to you: When you request loan/finance offers for or open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you.

General Guidelines

The following list represents the general guidelines that HDF uses in its pre-qualification process for the Lenders: * You and/or co-qualifier must be at least 18 years of age (or such other minimum age in your state of residence) * Minimum income of $1,800 per month or $21,600 per year * No open bankruptcies * Lives in a state where HDF is currently doing business, (we're in 48 states, not in Alaska or Hawaii) * Minimum Vehicle Requirements: * 100,000 maximum mileage for Private Party offers, 125,000 maximum for all other offer types * 10 years old or newer * Minimum Loan/Finance Amount $8,000 * FICO scores of 525 or greater * Applicant has not submitted a loan/finance offer form in the past 31 days for the same loan/finance type * Customers intent when submitting the loan/finance offer form was to finance a new or used vehicle or refinance an existing vehicle

Note: These guidelines are subject to change without notice at any time. You can still submit a request for loan/finance offers for consideration even if you do not meet one or all of the above guidelines (except for the state restrictions stated above). Meeting these guidelines does not guarantee loan/finance approval through any participating Lender(s).

Consent And Authorization For A Credit Bureau Report

Last Updated: 01/16/2020