Auto Insurance Less Than

CRBR (**/**)

RE: Policy Number: TNPA** 128-***-****

Dear JEREMY HUFF

Thank you for considering MGA Insurance Company, Inc. for your personal auto insurance needs. We would like to inform you that you have not qualified for the best rate possible based, at least in part, on information contained in your credit file, including: Months since most recent delinquency are between 0 and 4. The average non-auto or non-mortgage account age equals 0 - 29 months. There are no open bank revolving accounts verified in the last 12 months. Months since oldest verified account opened is less than 86. To inquire about the information contained on this report, please contact TransUnion at the address and phone number below. TransUnion is an independent supplier of insurance underwriting reports and does not make decisions regarding actions taken as a result of information provided. You have the right to obtain a free copy of your report from TransUnion, by written request within 60 days, and to dispute the accuracy or completeness of any information in the report with them. You have the right to know the specific items of information that support the reasons for this decision. You also have the right to see and obtain copies of documents relating to the decision. You have the right to correct, amend or delete any recorded personal information we have in our file that you believe is inaccurate. If we refuse to make the correction, amendment or deletion, you have the right to file a statement which we will put in our files. If you would like additional information concerning this action, your written request must be received by us within 90 business days from the date of this notice. Once a year you can get a free copy of your report from each of the major reporting agencies by calling 1-877-***-****, by visiting annualcreditreport.com, or by completing an Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. TransUnion can be contacted at:

TransUnion National Disclosure Center

PO Box 1000

Chester, PA 19022

1-800-***-****

Report Reference Number: 10771555

You can also request the report through the internet at: www.transunion.com Should you have any questions regarding the above matter, please contact your agent at the address/phone number listed below.

Sincerely,

MGA Insurance Company, Inc.

Agent Name: A90047

GAINSCO AUTO INS. AGENCY, INC.

PO BOX 199023

DALLAS TX 75219-9023

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