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 toll free 1-888-567-8688 (1-888-5OPTOUT), visit the website www.optoutprescreen.com , or write the consumer reporting agencies: Equifax Options, P.O. Box 740123 Atlanta, GA 30374, Experian Information Solutions, Inc., P.O. Box 919, Allen, TX 75013, Trans Union LLC, P.O. Box 505, Woodlyn, PA 19094-0505.

SMS / Text Messaging Terms

OTTNO Inc. dba National Auto Loan Network (“NALN”) offers the option to customers to engage in conversations with loan officers to discuss options for auto loan refinancing. By entering your number, you agree to receive mobile messages at the number provided. Message frequency varies. Message and data rates may apply. Text HELP to 36373 for help. Reply STOP to cancel. Carriers are not liable for any delays or undelivered messages.

1. SMS For Consent Communication:
   The Phone Numbers obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
2. Types of SMS Communications:
   If you have consented to receive text messages from National Auto Loan Network, you may receive text messages related to, but not limited to: Customer care, appointment reminders application notifications, and loan status.
3. Example of customer care message: “Hi [Customer Name], thank you for doing business with National Auto Loan Network! If you have any questions about your new auto loan refinance or purchases, please don’t hesitate to reach out”.
4. Example of account notification message: “Hi [Customer Name], National Auto Loan Network received your completed application and currently processing it. To check the status, please call us toll-free at 888-397-3504”
5. Message Frequency:
   Our SMS message frequency will be up to 3 text messages per day up to the point of the closing of your loan transaction.
6. Potential Fees for SMS Messaging:
   Many carriers charge a fee for each message sent or received. This can vary depending on the carrier's pricing structure and whether the message is sent domestically or internationally. Messaging and data rates may apply.
7. Information We Disclose:
   As permitted by law: We may disclose Information as permitted or required by law. For example, Information may be disclosed in connection with a subpoena or similar legal process or to credit bureaus. In addition, we may disclose Information to companies that perform support or other services for us. Except as set out above, we do not, nor will we ever, sell, share, trade, or rent names or other information about our customers to third parties for marketing purposes.
8. Opt-In Method:
   Customer will Opt-In for SMS messaging from National Auto Loan Network through intake forms on their website located at https://naln.com/apply, this agreement for SMS will not be shared with third parties for marketing purposes.
9. Opt-out:
   Customer will be able to Opt-out of SMS messaging from National Auto Loan Network by replying/texting STOP at any time to any received SMS message, or you can choose not to check the SMS consent box on our forms. Once opted-out they will receive no further SMS communication. They can opt back in at any time by replying JOIN.
10. For assistances:
    Text "HELP" to 36373 or visit our Privacy Policy page at www.naln.com/privacypolicy and Terms and Conditions page at www.naln.com/tc.

By providing NALN with your mobile number, and checking the opt in consent box, you agree to receive mobile messages to that number. Mobile carriers are not liable for any delays or undelivered messages.

Legal Statement

Before we end this call, I need to have you confirm the following. Do you:

1. Certify that all information you’ve given me today is complete and correct?
2. Understand that National Auto Loan Network (“NALN”) will process and share your prequalification form and other related applicant information with one or more of our partner lenders?
3. Authorize NALN and/or its partner lenders to make one or more credits inquiries in connection with your credit application?
4. Consent to NALN, its partner lenders and their affiliates, agents, and assignees contacting you by any method, including via text or live agent calls?

Terms and Conditions

You must be at least 21 years of age to be eligible. You must provide evidence of at least $1,500 gross monthly income. You must provide evidence of Full Coverage Automobile Insurance at the time the vehicle is refinanced. You must provide a valid driver’s license (one loan allowed per valid Driver’s License). Your monthly automobile payment under any loan extended in connection with this offer cannot exceed 15% of your provable gross monthly income. Your maximum monthly expenses do not exceed 45% of your provable gross monthly income, including the credit offered on this letter. By responding to this offer, you understand that if a current credit bureau report indicates current delinquent accounts, NALN may withdraw this credit offer subject to market conditions and borrower eligibility. Credit is available for the finance of used vehicles-2006 model year or newer with a maximum mileage not to exceed 150,000. Your vehicle may not be: (i) a commercial vehicle; (ii) a conversion package (iii) a salvaged or branded title; (iv) greater than a one-ton vehicle; or (v) a vehicle in which the odometer has been replaced. Additional terms and conditions may apply. OTTNO Inc. dba National Auto Loan Network, 1735 Flight Way #100,
Tustin, CA 92782.

1. ¹ If you continue to meet the criteria for this offer, you may be pre-qualified for a loan equal to or greater than your current automobile loan balance. For details on available rates, please refer to your pre-qualification letter.
   The following maximum rates apply to this offer depending on your state of residence at the time of application: (12% APR: CT, VA), (16% APR: NC, NE, NJ, NY), (18% APR: FL, ME, SC, TX, WI, WV), (20% APR: MA), (21% APR: AL, CO, IA, ID, IL, IN, KS, LA, MT, OK, PA, RI, SD, WY), (21.75% MN), (24% APR: GA, MO, OR, TN), (25% APR: CA, DE, KY, MI, ND, NV, OH, UT, WA), (25.99% APR: AZ, DE, NM), (28.75% APR: MS). An administrative, interest surcharge, lien filing, loan processing, or origination fee of up to $499.00 may be charged based on your state of residence.
2. ² APR = Annual Percentage Rate. “APR as low as” reflects the average of the 150 lowest interest rates received by NALN borrowers. Please refer to your pre-qualification letter for details specific to your offer. Your actual APR will be determined at the time of your application and is based on factors such as your creditworthiness, the value of your vehicle, and the loan term. In some cases, we may refer applicants to one of our lending partners, who may offer rates that are higher or lower than those typically available through NALN.
3. ³ Average monthly payment savings were calculated using the average monthly savings of all NALN customers. Your savings may vary, please refer to your pre-qualification letter for details specific to your offer.
4. ⁴ NALN offers borrowers no payments for up to 90 days after origination, subject to state law limitations on extended first payment periods. Unless prohibited by law, interest is charged starting on the loan origination date. This means that if your first payment is due more than one month after the loan is made, you will pay more in interest for your first payment than if the first payment was due one month after the loan is made.

Additional Terms of Offer

By prequalifying or applying for a loan with NALN, you:

1. Understand that you are applying for credit.
2. Certify that all information contained within your loan application and other supporting documentation is true, complete, and correct.
3. Acknowledge that NALN may require verification of certain application information, in their sole discretion.
4. Understand that married applicants may apply for a loan separately and are not required to apply with their spouse jointly.
5. By submitting a Pre-Qualification or Application containing your electronic consent through the NALN website, and separately for each such request you submit, you are indicating that you desire to be contacted by NALN, and you are providing express written consent that NALN may deliver calls or text messages to you, including for marketing purposes.
6. Consent to NALN agents contacting you by any method, including automated dialing equipment or prerecorded messages, at each respective phone number by calling, texting, or other electronic communication.
7. Authorize NALN to make a soft credit inquiry, as it pertains to your application.
8. By agreeing to the terms and conditions, you authorize NALN to obtain a soft credit inquiry from one or more consumer reporting agencies for the purpose of evaluating your eligibility for an auto refinance loan.
   • A soft credit inquiry does not affect your credit score.
   • This inquiry will be used only for pre-qualification and underwriting purposes related to your auto-refinance application.
   • If you proceed with your application, we may need to obtain a hard credit inquiry as required by our lending partners and applicable regulations. A hard inquiry may impact your credit score.
9. Authorize and instruct any person, including but not limited to, all local, state or federal government agencies or consumer reporting agencies to complete and furnish NALN or its assignees with any information it may have and agree that such information, along with this application, shall remain NALN's property whether or not credit is extended.
10. Authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details to allow verification of your identity and to compare information you have provided to NALN with your wireless operator account profile information.
11. Acknowledge that you can receive messages and documents via the email address provided in your application and can access and retain those documents, and that you can access information provided electronically at our website and other websites related to your application. You agree to receive documents electronically and to store or print those documents for your records, and that the actions described here or on the documents will serve as your electronic signature on any such documents. You consent to receive electronic communications from us under the Electronic Signatures in Global and National Commerce Act.

Statement on Use of Electronic Records

(when you provide consent to receive and sign documents, electronically, through your computer, mobile phone, or other electronic device) You consent (1) to receive all loan agreements, disclosures, notices, and other information (together, the "Electronic Records") in electronic form and (2) to use "Electronic Signatures" for entering into any loan agreement with NALN or its assignees.
You may receive paper copies of any of the Electronic Records maintained by NALN by printing or downloading such Electronic Records directly to your computer, or by written request, with specific details of the Electronic Records you want, mailed to NALN, Attn: Electronic Records Request. 1735 Flight Way, Suite 100, Tustin, CA 92782. Please enclose your name, the home address we have on record for you, and your mailing address, if different. Paper copies of the requested Electronic Records will then be provided at no charge to you. To obtain paper copies from NALN’s assignees, please contact those assignees directly.
Your consent applies to all Electronic Records related to this loan request and transaction and all Electronic Records related to servicing your loan, including but not limited to privacy and collection notices. You may withdraw your consent to receive Electronic Records or update your contact information by calling or emailing your loan officer, or by calling NALN at (888) 391-3504. If you withdraw your consent to receive Electronic Records, NALN will send paper copies of all agreements, disclosures, etc. to you, which might impact the speed of your transaction.
Hardware and Software Requirements. Electronic Records may be accessed with the most recent versions of most web browsers. If you are having difficulty obtaining your Electronic Records online, please try a different browser, or contact us for assistance. To retain your Electronic Records, you must have computer hardware and software capable of saving Electronic Records being viewed by your web browser. In addition, in order to download, save, and view a copy of your loan agreement in PDF format, you will need Adobe Reader software, version 9.0 or later. You may also print Electronic Records if you have a printer and appropriate computer hardware and software for printing pages viewed by your web browser.

Federal Notices

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT 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 for you: When you open an account, you will be asked for your name, address, date of birth, and other information to identify you. You may also be asked to see your driver's license or other identifying documents.

State Notices

1. California Residents: An applicant, if married, may apply for a separate account.
2. Maine and Tennessee Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of the contract. For a lease, you must also have the liability insurance as described in the lease. You may purchase required insurance through any insurance agent or broker and from any insurance company that is reasonably acceptable to us. You are not required to deal with any of our affiliates when choosing an agent, broker or insurer. Your choice of a particular insurance agent, broker or insurer will not affect our credit decision, so long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements.
3. New Hampshire Residents: If you are applying for a balloon payment contract, you are entitled, if you ask, to receive a written estimate of the monthly payment amount for refinancing the balloon payment in accord with the creditor’s existing refinance programs. You would be entitled to receive the estimate before you enter into a balloon payment contract. A balloon contract is an installment sales contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.
4. New York Residents: In connection with your application for credit, a consumer report may be obtained from a consumer reporting agency (credit bureau). If credit is extended, the party or parties extending credit or holding such credit may order additional consumer reports in connection with any update, renewal or extension of the credit. If you ask, you will be told whether a consumer report was requested and, if so, the name and address of any consumer reporting agency (credit bureau) from which such credit report was obtained.
5. Ohio Residents: 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.
6. Rhode Island Residents: Consumer reports may be requested in connection with this application. Buyer has the right of free choice in selecting an insurer to provide insurance required in connection with this transaction subject to our reasonable approval in accordance with applicable law.
7. Vermont Residents: You authorize us and any financial institution with which this credit application is shared, and each of their respective employees or agents, to obtain and verify information about you (including one or more credit reports, information about your employment and banking and credit relationships) that they may deem necessary or appropriate in evaluating your credit application. If your credit application is approved and credit is granted, you also authorize the parties granting credit or holding your account, and their respective employees and agents, to obtain additional credit reports and other information about you in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose.
8. Married Wisconsin Residents: No provision of any marital property agreement, any unilateral statement under Wis. Stat § 766.59 or any court decree under § 766.70 applied to marital property adversely affects our interest unless you furnish a copy of the agreement, statement, or court decree or we have actual knowledge of such adverse provision before credit is granted. If you are making this credit application individually and not jointly with your spouse, complete Section A about yourself and Section B about your non-applicant spouse. Your non-applicant spouse should not sign the credit application if you are applying for individual credit.

USA Patriot Act Disclosure

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who applies for a loan. When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.
What this means to you: When you apply for a loan, we will ask for your name, date of birth, and other information that will allow our assignees to identify you. We may ask you to provide a copy of your driver’s license and other identifying documents. By submitting this application, you authorize the assignee(s) to obtain information necessary to verify your identity. This may include information obtained from a consumer reporting agency, public data bases, or other sources. If the assignee(s) is/are unable to verify information necessary to confirm your identity, a loan may not be funded. The assignee(s) reserves the right to cancel your loan if it determines at a later date that we/they do not know your identity.
In accordance with Section 326 of the USA PATRIOT Act, signed October 26, 2001, National Auto Loan Network (NALN) is required to obtain a copy of the documents used in identifying customer(s) applying for a loan.

Privacy Policy

To view our privacy policy notifying you of the types of information we collect and share on our customers, please click on the following link Privacy Policy.

Information We Gather

While providing services to you, we gather information about which may include, without limitation, your name, address, phone number, email social security number, credit card number, date of birth, employer information, income amounts, current loan information, credit information, and vehicle information (collectively, the "Information"). The Information is received or gathered from the following sources:

1. applications and other forms received from you (including web-based communications, applications, and forms);
2. your transactions and account experiences with us;
3. consumer reporting agencies; and
4. Information obtained when verifying information you provide on applications or other forms (this may be from your current or past employers or from other institutions where you conduct financial transactions).

Cookies Information

"Cookies" are small pieces of information sent by a web site's server to a user; the user's computer may show the information back to the server on subsequent pages or actions. Session cookies end when the session with the server ends. When you browse our web site naln.com you do so anonymously and personal information about you is not collected. When you access our Online Application system, session cookies are used. Session cookies are necessary for the security of your account and are used for authentication only.

Use of Information

We use the Information to provide products and services to you, to provide support for those products and services, to review and identify other products and services that may beneficial to you, to communicate with you, and to otherwise do business with you.

Information We Disclose

As permitted by law: We may disclose Information as permitted or required by law. For example, Information may be disclosed in connection with a subpoena or similar legal process or to credit bureaus. In addition, we may disclose Information to companies that perform support or other services for us Except as set out above, we do not, nor will we ever, sell, share, trade, or rent names or other information about our customers to third parties.

How We Protect Your Information

Access to our Information is limited to NALN employees who provide products or services to you. NALN employees are trained and understand the importance of safeguarding your Information. We maintain physical, electronic and procedural safeguards that meet or exceed federal standards to protect your Information.
NALN's Online Application system provides secure services over the Internet through a protocol known as Secure Sockets Layer. To access your online profile, you will need access to a computer with Internet access and a Secure Sockets Layer compatible browser. The Secure Sockets Layer validates the identity of our site to our customers by using a digital certificate.
When you enter NALN’s Online Application system, encryption is automatically enabled. This is called a secure site. To verify if an Internet session is secure, check the key icon in the corner of your browser's screen. If the key appears intact, then encryption is activated.

Links

Our web site may contain links to other sites. Please note that the privacy policy at these other sites may be different from NALN’s privacy policy. You should review the privacy policy of any site linked to our site before providing any information.

Social Media Sites

NALN uses certain social media platforms, including, without limitation, Facebook, Twitter, and Yelp. Any content you post on social media pages, such as pictures, information, opinions, and personal information, is subject to the terms of use and privacy policies of those sites. Please refer to them to better understand your rights and obligations regarding such content. It is not subject to the NALN's privacy policies as set forth here.

Children

We do not solicit data from or market to anyone under the age of 18 on our website. When you browse our website, you do so anonymously; Information about you is not collected.

Information on Public Records

NALN will only share Information obtained through public records with authorized agents and our assignees; or as may be required by federal or state law or by court order. You will be given the opportunity to consent to the use of your public Information for any other purpose.

How to Remove Your Name from Credit Offers

If you prefer not to receive unsolicited pre-approved credit offers, you can remove your name from lists used by credit reporting agencies (CRAs) for these purposes. To remove your name and address, call 888-5OPTOUT (888-567-8688) or go to www.optoutprescreen.com.
When you call to remove your name from credit bureau lists, you will be given a choice to opt out for five years or permanently. Even though your request becomes effective within a week of calling, it may take several months before you see a reduction in the amount of unsolicited offers of credit.

How to Reduce Telemarketing Calls

The National Do Not Call Registry was created to offer consumers a choice regarding telemarketing calls and gives you an opportunity to limit the telemarketing calls you receive. The National Do Not Call Registry is managed by the Federal Trade Commission (FTC), the nation’s consumer protection agency. Thirty-one days after placing your phone number on the registry, most (but not all) telemarketers should stop calling. For more information on the National Do Not Call Registry, or to register your phone number, go to www.donotcall.gov or call 888-382-1222. Telephone numbers placed on the National Do Not Call Registry will remain on it permanently (unless you choose to remove it) due to the Do-Not-Call Improvement Act of 2007, which became law in February 2008. If you have previously registered your phone number, your registration will not expire after five years, but instead will be permanent.

Free Credit Reports

You are entitled to receive one free credit report every 12 months from each of the three nationwide consumer credit reporting agencies– Equifax,Experian, and Trans Union.
You are entitled to receive one free credit report every 12 months from each of the three nationwide consumer credit reporting agencies– Equifax, Experian, and Trans Union. These three consumer reporting agencies have set up a central web site, a toll-free telephone number and a mailing address through which you can order your free annual report. To order, visit www.annualcreditreport.com, call 877-322-8228, or print and complete the Annual Credit Report Request Form (available online at www.ftc.gov/credit and mail it to: These three consumer reporting agencies have set up a central web site, a toll-free telephone number and a mailing address through which you can order your free annual report. To order, visit a www.annualcreditreport.com or call 877-322-8228, or print and complete the Annual Credit Report Request Form (available online at www.ftc.gov/credit and mail it to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

Do not contact these three consumer reporting agencies individually. Free annual credit reports are available only through the above methods.
When ordering your free report you will be asked to provide your name, address, date of birth, and social security number. In addition, you may be asked to provide further identifying information based on information contained in your credit report.
Only one web site, www.annualcreditreport.com is authorized to fulfill orders for the free annual credit report you are entitled to by law. Other web sites that claim to offer free credit reports, free credit scores or free credit monitoring are not part of the legally-mandated free annual credit report program. In some cases, the “free” product comes with strings attached.
For more information, refer to the Federal Trade Commission (FTC) brochure, "Your Access to Free Credit Reports", available on the FTC's web site at www.ftc.gov.

Report Identity Theft

If someone has fraudulently used your identity to establish credit, contact your credit union immediately and then report the incident as quickly as possible to each of the consumer reporting agencies:

1. Experian: 888-397-3742
2. Equifax: 800-525-6285
3. Trans Union: 800-680-7289
4. Innovis: 800-540-2505

Working Together to Protect Your Identity

We are committed to ensuring the protection of your personal information. We hope you find the above information to be helpful. Additionally, periodically you may want to check your records at the above consumer reporting agencies to confirm that no credit accounts have been opened in your name without your consent.