PRESCREEN & OPT OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria, including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free: 1-888-5OPT-OUT, or write: Equifax Options, P.O. Box 740123 Atlanta, GA 30374.  Experian Consumer Opt Out, P.O Box 919, Allen, TX 75013

*Terms and Conditions of Offer: Offer valid for a limited time only as shown on the front page of this letter. Offer is non-transferable and supersedes all prior offers. You must be at least 18 years of age and provide us evidence of at least $2,000 gross monthly income. The monthly payment on the loan cannot exceed 10% of your gross monthly income. Your maximum monthly expenses, including the monthly payment on the loan, cannot exceed 40% of your gross monthly income. You must provide evidence of Full Coverage Automobile Insurance at the time the loan is refinanced. You must provide a valid driver’s license (one loan allowed per valid Driver’s License). Credit is available for the refinancing of one loan on your credit report that is secured by a vehicle or light duty truck that is up to but no more than seven model years old or newer, with a maximum mileage not exceeding 100,000. Certain vehicles, including vehicles that are no longer being manufactured, such as but not limited to Hummer, Oldsmobile, Daewoo, etc. are not eligible to be refinanced under this program. We must obtain a valid first lien on the vehicle securing the loan. Maximum loan-to-value restrictions of 125% apply. Value is based upon the wholesale value of the vehicle set forth in the applicable National Automobile Dealers Associated Used Car Value Guide for your state. Commercial vehicles, vehicles with a conversion package or a branded or salvaged title and motorcycles are not eligible for financing. The minimum loan amount you are prequalified to receive is $10,000 meaning you must owe at least that amount on the vehicle you are refinancing. Any prequalification under this offer presented to OpenRoad Lending after the expiration date will be processed as a non pre-qualified application. You must continue to meet the criteria used to select you for this offer and our creditworthiness criteria. The ability to add or remove someone from the loan you are refinancing may not be available in your state. If you continue to meet the criteria used to select you for this offer, you are prequalified for a secured loan on the automobile you are refinancing of no less than $10,000 at an interest rate between 3.24% APR to 17.99% APR calculated on simple interest paid out over a period of 24-72 months. Your final interest rate will be based upon your credit profile, term of loan and year and current mileage of the vehicle you are refinancing. Your final payment will be based on the amount you borrow, interest rate and term of the loan. Not everyone will qualify for cash back. Terms are subject to change and not available in all states. A representative example of payment terms are as follows: An $18,000 loan at 3.24% APR for 24 months is $775.57 per month, for 36 months is $525.37 per month, for 48 months is $400.33 per month, for 60 months is $325.36 per month and for 72 months is $275.42 per month. An $18,000 loan at 17.99% APR for 24 months is $898.55 per month, for 36 months is $650.65 per month, for 48 months is $528.66 per month, for 60 months is $456.98 per month and for 72 months is $410.44 per month. Skipping a payment assumes you will not have to make a payment in the current month on your existing loan, and your first payment on the new loan is scheduled at least 30 days from the day the new loan is funded. The actual number of days you will not have a scheduled monthly payment due will vary depending on the terms of your existing loan, your payments on the existing loan, and applicable state law. Interest will accrue on your existing loan until it is paid in full. Interest will accrue on your new loan beginning on the date the loan is funded. Customer satisfaction percentage rating is based on a June 2016 survey of customers who have taken out a loan with OpenRoad Lending and scored a somewhat satisfied to very satisfied rating on the survey. Customer testimonials are from actual customers who financed their loan with OpenRoad Lending and/or wrote a testimonial via a third party provider such as Trustspot. Customer names and state of residence have been changed to protect their privacy. Customer savings to date amount is based on total combined customer savings to date as of June 2016. Customer average savings of $100/month or more claim is based on an average payment savings calculation of customers who refinanced their current vehicle loan with OpenRoad lending between 1-1-2016 through 6-30-2016. Average customer APR savings is as of June 2016. Credit decision criteria is subject to change without notice