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Pinnacle One Funding Certification and Authorization

By applying, you certify that all information provided by you at the time of acceptance is true, correct and complete and that you are (a) at least 21 years old and legally able to enter into a contract for the extension of credit; and, (b) a U.S citizen or permanent resident. You authorize us to make inquiries and obtain information about you as we deem appropriate for the purpose of evaluating you for this extension of credit, including obtaining credit reports, requiring you provide us with a list of your expenses and monthly budget, and verifying your income. You also authorize us to provide identification information about you and our credit experience information with you to others in accordance with applicable law. Multiple acceptances of the same offer will always be considered void. Loan amounts range from $2,000 to $200,000. Terms and rates vary.

*Important Pre-approved Information and Terms and Conditions for This Offer

• You received this offer because you met certain criteria for creditworthiness. We may not extend credit to you if, after receiving your application, we find that you do not continue to meet the criteria used to select you or we may not extend credit to you if you do not meet any applicable criteria bearing on your creditworthiness established prior to your selection. Usage of your Personal Offer Code is required in order to receive this special offer.

• Annual Percentage Rates (APR) range from 2.92% (AAA) to 4.99% (DD+). To qualify for an AAA Pinnacle One Funding Rating, you must have excellent credit and meet other conditions. Sample annual percentage rates are for illustrative purposes and actual annual percentage rates range from 2.92% (AAA) to 4.99% (DD+) based on a proprietary scoring system. Account Approval is subject to Pinnacle One Funding’s approval including but not limited to: Application review, verification of your credit history, credit score, monthly expenses, identity verification and employment and income verification.

• USA PATRIOT Act: To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for information such as your name, address, date of birth, or other information that will allow us to identify you. We may also request other identifying documents.

PRESCREEN & OPT-OUT NOTICE

A “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 collateral). If you do not want to receive prescreened offers of credit from this or any other companies, call the customer reporting agencies toll-free @ 1-888-5OPT-OUT (1-888-567-8688) or write: Equifax Options, P.O. Box 740213 Atlanta, GA 30374-0123 / TransUnion LLC, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505 / Experian Consumer Opt Out, P.O. Box 919 Allen, TX 75013.