Ernest Jackson

Reference Number

**** ********

*7134302

Beaumont, TX, 77707

*/**/****

Dear Ernest Jackson

Dear Applicant: Thank you for your recent application for the extension of credit. We regret that we are unable to

approve your request.

Your application was processed by a credit scoring system that assigns a numerical value to the various items of

information we consider in evaluating an application. These numerical values are based upon the results of analyses of

repayment histories of large numbers of customers.

The information you provided in your application did not score a sufficient number of points for approval of the

application. The reasons you did not score well compared with other applicants were:

Unable to obtain credit file

In evaluating your application the consumer reporting agency listed below provided us with information that in whole or

in part influenced our decision. The consumer reporting agency played no part in our decision and is unable to supply

specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the

information contained in your credit file at the consumer reporting agency. It can be obtained by contacting:

TransUnion, P.O. Box 1000, Chester, PA 19022 : Phone 800-***-****

You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after

you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or

incomplete, you have the right to dispute the matter with the reporting agency.

We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your

credit score is a number that reflects the information in your credit report. Your credit score can change, depending on

how the information in your credit report changes.

Your credit score: 0

Date: 6/30/2014

Scores range from a low of

to a high of

Key factors that adversely affected your credit score:

Information provided on application does not meet required credit conditions

If you have any questions regarding this letter, you should contact us at:

Santander Consumer USA Inc. P.O. Box 961245 Fort Worth, TX 76161-1245

Telephone: 888-***-****

Sincerely,

Santander Consumer USA Inc.

Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national

origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives

from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal

agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, 600 Pennsylvania Ave. NW, Washington, DC 20580.

©2014 SANTANDER CONSUMER USA INC. // PO Box 562088, Suite 900 North, Dallas, TX 75247 // 888-***-****

Confidential and Proprietary // RL-SER_40120-0BW_031114

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