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STATE SPECIFIC DISCLOSURES

For California

Married individuals may apply for separate accounts. For New York

A consumer report may be requested in connection with your application. Upon your request, we will tell you whether or not the consumer report was requested and give you the name and address of the consumer reporting agency that furnished the report. If your application is granted, subsequent consumer reports may be obtained in connection with any update, extension or renewal of credit. For Ohio

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. For Rhode Island

Credit reports may be obtained in connection with your request for loan offers. For Vermont

If an account is created, you authorize the obtaining of credit reports for purposes of reviewing or taking collection action on the account or for other legitimate purposes associated with the account.

For Wisconsin

Wisconsin law provides that no provision of a marital property agreement, a unilateral statement under the marital property law, or a court decree, will adversely affect a creditor’s interests unless the creditor, prior to the time the credit is granted, is furnished with a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. If you are making this application individually and not jointly with your spouse, you understand that Wisconsin law requires that your spouse be given notice of this credit obligation.

Last updated 03/06/2018

HOW THE PROCESS WORKS

Horizon Digital Finance, LLC ("HDF") does not make extensions of credit to consumers. HDF works with a select group of lending partners, such as banks, credit unions, finance companies and their affiliates and auto dealerships (the “Lenders”) that offer loans and other types of financing to consumers (the “Financing”). HDF collects certain information from each consumer through this web site (the “Web Site”) to pre-qualify such consumers with one or more Lenders. If HDF cannot pre- qualify you at all, HDF will let you know through the Web Site. If HDF can match you with one or more Lenders, we will also let you know through the Web Site, and let those Lenders know as well. This does not mean that you are approved for credit by any of those Lenders. Those Lenders will then process your offer form on their own and if qualified, return a pre-approved loan offer to you through the Web Site. Completing a loan offer form on this Web Site may result in a soft and or hard inquiry(s).

HDF also makes certain information about you available to other third parties so that they may be able to assist you in purchasing an auto and financing from other lenders or auto dealers (the “Credit Source”).

HDF does not endorse or recommend the products or potential offers of any particular Lender or Credit Source. You should rely on your own judgment in deciding which available credit offer, product, terms and Lender, will best suit your needs and financial means. The Lender and each Credit Source is solely responsible for its services to you, and you agree that HDF shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that we, the Lenders and any Credit Source may keep your information and any other information provided directly by you or obtained from a third party. You agree to notify any particular Lender or Credit Source directly if you no longer want to receive their communications and/or emails.

Cost and or Fees: HDF does not charge you a fee for the services that we provide. HDF does receive a marketing fee and in certain cases lead fees as compensation from the Lenders and/or Credit Sources and/or providers for the goods and services provided by HDF, and such compensation varies by product. Last updated 04/28/2022

HDF LICENSE INFORMATION

For California Applicants

Loans arranged pursuant to a California Financing Law license. California Department of Financial Protection and Innovation (DFPI), California Finance Lenders License No. 603-9699 with principal office located at: Horizon Digital Finance, LLC

5005 W Royal Lane, Irving TX 75063

IF YOU HAVE ANY QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THE FINANCIAL INSTITUTION OR: Department of Financial Protection and Innovation (DFPI): 2101 Arena Boulevard

Sacramento, CA 95834

Phone: 916-***-****

320 West 4th Street, Suite 750

Los Angeles, CA 90013-2344

Phone: 213-***-****

300 S. Spring Street, Suite 15513

Las Angeles, CA 90013

Phone: 213-***-****

1515 K Street, Suite 200

Sacramento, CA 95814-4052

Phone 916-***-****

1350 Front Street, Room 2034

San Diego CA 92101-3697

Phone 619-***-****

One Samsome Street, Suite 600

San Francisco, CA 94104-4428

Phone 415-***-****

7575 Metropolitan Drive, Suite 108

San Diego, CA 92108

Phone 619-***-****

Toll-Free Phone (all locations) 866-***-**** Website http://www.dbo.ca.gov For Texas Applicants

The Office of Consumer Credit Commissioner, State of Texas License No. 9045-42905 with principal office located at: Horizon Digital Finance, LLC

5005 W Royal Lane, Irving TX 75063

The Office of Consumer Credit Commissioner (OCCC)

2601 N. Lamar Blvd.

Austin, Texas 78705.

Direct general inquiries to 512-***-****

adtod3@r.postjobfree.com

Toll-free Consumer Helpline number is 800-***-**** Last updated 11/16/2020

ADDITIONAL STATE SPECIFIC DISCLOSURES ON BEHALF OF THE LENDERS For Delaware

1. Notification

Every licensee shall furnish to every applicant, a copy of this regulation at the time when such application is made. Posting of this regulation in the office of the licensee in a place both prominent and easily visible to all potential applicants shall satisfy this requirement. An explanation as to the contents and limitations contained herein shall satisfy this requirement when transactions occur telephonically. An informational screen containing these limitations with an affirmative acknowledgement by the consumer, prior to application, shall satisfy this requirement for internet transactions. 2. Interest

a. A lender may charge and collect interest in respect to a revolving credit plan or closed-end loan at such a daily, weekly monthly, annual, or other periodic percentage rate or rates as the agreement governing the plan or loan provides, or as established in the manner provided in such agreement. Periodic interest may be calculated on a revolving credit plan using any balance computation method provided for in the agreement governing the plan. Periodic interest may be calculated on a closed-end loan by way of simple interest or such other method as the agreement governing the loan provides. b. If the agreement governing the revolving credit plan or closed-end loan so provides, the periodic percentage rate or rates of interest may vary in accordance with a schedule or formula. Such periodic percentage rate or rates may vary from time to time as the rate determined in accordance with such schedule or formula varies and such periodic percentage rate or rates, as so varied, may be made applicable to all or any part of the outstanding unpaid indebtedness or outstanding unpaid amounts. In the case of revolving credit, such rate shall become applicable on or after the first day of the billing cycle that contains the effective date of such variation. In the case of closed-end loan transactions, such rate may be made applicable to all or any part of the outstanding unpaid amounts on and after the effective date of such variation. Without limitation, a permissible schedule or formula hereunder may include provisions in the agreement governing the revolving credit plan or closed-end loan agreement for a change in the periodic percentage rate or rates of interest applicable to all or any part of outstanding unpaid indebtedness or outstanding unpaid amounts, whether by variation of the then applicable periodic percentage rate or rates of interest, variation of an index or margin or otherwise, contingent upon the happening of any event or circumstance specified in the plan or agreement, which event or circumstance may include the failure of the borrower to perform in accordance with the terms of the revolving credit plan or loan agreement. 3. Additional Fees and Charges; Limitations

If the agreement governing the plan or loan so provides, in addition to, or in lieu of, interest at a periodic percentage rate or rates permitted by Chapter 22, Title 5 of the Delaware Code, the licensee may charge and collect the following fees and charges, subject to the limitations provided below, in respect to revolving credit plans or closed-end loans:

a. Revolving Credit - with respect to a borrower, a lender may charge, collect, or receive one or more of the following fees and charges under plans subject to the provisions of Subchapter II, Chapter 22, Title 5 of the Delaware Code: a.i. periodic charges - a daily, weekly, monthly, annual or other periodic charge, in such amount or amounts as the agreement may provide for the privileges made available to the borrower under the plan;

a.ii. transaction charges - a transaction charge or charges in such amount or amounts as the agreement may provide for each separate purchase or loan under the plan;

a.iii. minimum charges - a minimum charge, in such amount or amounts as the agreement may provide for each daily, weekly, monthly, annual or other scheduled billing period under the plan during any portion of which there is an outstanding unpaid indebtedness under the plan; a.iv. fees for services rendered or reimbursement of expenses - reasonable fees for services rendered or for reimbursement of expenses incurred in good faith by the licensee or its agent in connection with such loan, including without limitation, commitment fees, official fees and taxes, premiums or other charges for any guarantee or insurance protecting the licensee against the borrower's default or other credit loss, or costs incurred by reason of examination of title, inspection, recording and other formal acts necessary or appropriate to the security of the loan, filing fees, attorney's fees, and travel expenses. In the event a borrower defaults under the terms of a plan, the licensee may, if the borrower's account is referred to an attorney (not a regularly salaried employee of the licensee) or to a third party for collection and if the agreement governing the revolving credit plan so provides, charge and collect from the borrower a reasonable attorney's fee. In addition, following a borrower's default, the licensee may, if the agreement governing the plan so provides, recover from the borrower all court, alternative dispute resolution or other collection costs (including, without limitation, fees and charges of collection agencies) actually incurred by the licensee;

a.v. overlimit charges - a charge in such amount or amounts as the agreement may provide, for each daily, weekly, monthly, annual or other scheduled billing period under the plan during any portion of which total outstanding indebtedness exceeds the credit limit established under the plan; a.vi. delinquency charges - a late or delinquency charge upon any outstanding unpaid installment payments or portions thereof under the plan which are in default; provided, however, that no more than 1 such late or delinquency charge may be imposed in respect of any single such installment payment or portion thereof regardless of the period during which it remains in default; and provided further, however, that for the purpose only of the preceding provision all payments by the borrower shall be deemed to be applied to satisfaction of installment payments in the order in which they become due. a.vii. returned check charges - a returned check charge may be assessed to consumers, in such amount or amounts as the agreement may provide, provided the amount(s) of such charges are customary and reasonable for checks that are returned unpaid. a.viii. termination fees - a charge in such amount or amounts as the agreement may provide to terminate revolving credit plan. a.ix. charges incurred in connection with real estate secured transactions - in the case of revolving credit secured by real estate such additional charges as outlined in item (3)(c) of this regulation may also be collected within the limitations stated therein. b. Closed-end Credit - with respect to a borrower, a lender may charge, collect, or receive one or more of the following fees for loans subject to the provisions of Subchapter III, Chapter 22, Title 5 of the Delaware Code: b.i. fees for services rendered or reimbursement of expenses - reasonable fees for services rendered or for reimbursement of expenses incurred in good faith by the licensee or its agent in connection with such loan, including without limitation, commitment fees, official fees and taxes, premiums or other charges for any guarantee or insurance protecting the licensee against the borrowers default or other credit loss, or costs incurred by reason of examination of title, inspection, recording and other formal acts necessary or appropriate to the security of the loan, filing fees, attorney's fees, and travel expenses. In the event a borrower defaults under the terms of the loan, the licensee may, if the borrower's account is referred to an attorney (not a regularly salaried employee of the licensee) or to a third party for collection and if the agreement governing, or the bond, note or other evidence of, the loan so provides, charge and collect from the borrower a reasonable attorney's fees. In addition, following a borrower's default, the licensee may, if the agreement governing, or the bond, note or other evidence of, the loan so provides, recover from the borrower all court, alternative dispute resolution or other collection costs (including, without limitation, fees and charges of collection agencies) actually incurred by the licensee; b.ii. deferral charges - a deferral charge may be assessed to a borrower in accordance with an agreement to permit the borrower to defer installment payments of a loan;

b.iii. delinquency charges - if the agreement governing the loan so provides, a late or delinquency charge may be imposed upon any outstanding unpaid installment payment or portions thereof under the loan agreement which are in default; provided, however, that no more than 1 such delinquency charge may be imposed in respect of any single such installment payment or portion thereof regardless of the period during which it remains in default; and provided further that no such delinquency charge may exceed 5% of the amount of any such installment or portion thereof in default; b.iv. returned check charge - if the agreement governing the loan so provides, a returned check charge may be assessed to consumers for checks that are returned unpaid provided the amount(s) of such charges are customary and reasonable. b.v. charges incurred in connection with real estate secured transactions - in the case of closed end credit secured by real estate such additional charges as outlined in item (3)(c) of this regulation may also be collected within the limitations stated therein. c. Real Estate Secured Transactions - Note: This section intentionally left empty as it solely deals and is related to Real Estate Secured Transactions and has nothing to do with automobile loans or automobile financing. For Maine

You have the right of free choice in the selection of the agent and insurer through or by which insurance in connection with a loan is to be placed. Obtaining insurance products from a particular agent or broker does not affect credit decisions by the lender. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the contract requirements or the insurance company does not satisfy the reasonable standards of the Lender Notice to New Hampshire Residents:

If this is an application for a balloon contract, you are entitled to receive, upon request, a written estimate of the monthly payment amount that would be required to refinance the balloon payment at the time such payment is due based on current refinancing programs. A balloon contract is an installment sale contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments Last updated 05/04/2017

Regulation B Disclosures

1. Under the Equal Credit Opportunity Act (ECOA), HDF and its Lenders are prohibited from discriminating in any aspect of the credit transaction. Prohibited bases are: sex, marital status, race, color, religion, national origin, age (provided the applicant has the capacity to enter into a binding contract), the fact that all or part of the applicant's income is derived from any public assistance program and the fact that the applicant has, in good faith, exercised any right under the Consumer Protection Act (i.e. the right to lodge a complaint). 2. Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repaying this obligation. Last Updated: 03/06/2018

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