700Credit Agent Partnership Program

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION About us  700Credit is the automotive industry’s leading solution for ALL 3 Credit Bureaus (Equifax, Experian, Trans Union) Compliance products and Pre-Screen products. Compliance products include OFAC, Red Flag, Risk-Based Pricing Notices, Adverse Action Notices and Privacy Notices. Specialized web-based credit application and pre-screen tools enhance leads and the dealers sales process.  700Credit has recently added new products and services that include Pre-Screen Capabilities for the Showroom and the Website, along with Employment and Income Verification products. Pre-Screen ability using live credit data is one of the hottest product segments in the auto industry today.  700Credit is pleased to announce our enhanced Agent Partnership Program and are currently seeking new and interested partners. Our program focuses on dealer Cost Savings, Products that Open Doors and Create Relationships, Total Sales and Service support, Detailed Tracking and Long Term Residual Commissions to offer you one of the best Agent programs available today.

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION Products & Services Focus  Cost Savings & Compliance Analysis – Trans Union, Experian, Equifax & Compliance process  Work Flow Enhancement – Tightens and Improves the Dealers Sales Process  Credit Bureaus – The formats you want with all 3 bureaus on one bill  Compliance – Automated process with fail safe ability for peace of mind  Pre-Screen – “Quick Screen” offers live credit data with only a name and address needed. No SS# or other personal information is ever needed and it will not affect the consumers score in any way.  Quick Screen Web Application enhances online engagement & creates more sales leads  Quick Screen enhances Showroom and Service ability with full CRM/DMS integration capabilities  Quick App - a talking web credit application tool that takes the place of the standard credit app to increase engagement and create qualified credit leads

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION How will your dealer benefit  700Credit can provide your dealers with the same credit report for less without disrupting or changing their sales process. Your dealers get a superior service at a substantial cost savings.  Your dealers may NOT be in compliance. 700Credit will consult and provide a comprehensive automated compliance solution tailored to the individual dealer needs. The 700Credit compliance solutions will be offered to your dealers with a cost savings.  700Credit offers free Compliance Trainings by FCRA certified, industry-trained customer and technical support specialists available to customers 24/7/365.  700Credit is dedicated to finding new and innovative ways to help the buying process to be more efficient and compliant through industry leading technology, tailored solutions and new products.  All of these benefits are realized by becoming a mutual customer between 700Credit and your organization

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION  Low Cost: Association and Affiliate dealer customers receive special pricing on credit reports and compliance  One Source: Manage credit reporting and compliance from one system  Speed: Our report delivery times are among the fastest and most reliable in the industry because we utilize a Tier One hosting provider  Reliability: Complete systems redundancy  Innovation: Creating new and innovated ways to sell more cars  Compliance: Today’s obligation of dealerships to be compliant with the latest federal regulations is burdensome and confusing. 700Credit can assist your dealerships in understanding the latest laws and assist with them with becoming compliant.  Workflow: Integration in to the dealers CRM makes for the best workflow

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION  Revenue Sharing model - on 700Credit products and services  Credit Reports (Equifax, Experian, Trans Union)  OFAC Compliance  Red Flag Compliance  Risk-Based Pricing Score Disclosure Notices  Adverse Action Letters  Pre-Screen (Quick Screen & Quick Screen Web App)  Quick App  New products and services How will your organization benefit?

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION  Strong value proposition with dealer training on the latest Federal Regulations and 700Credit’s Products & Services which help them satisfy the dealerships requirements.  Newsletter  Webinars  On going user training  Awareness of compliance policy reviews, updates and trends  Dedicated sales and support team to aid your organization and mutual customers with new opportunities.  One to one relationship between a sales rep and the dealer.  Customer Service & Support with offices located across the country  Dedicated management team to support your organization  Ability to work in the field to support your efforts  Available for phone and dealer support  Product and Company Credibility that opens doors  Representing Credit Bureaus and Compliance adds instant credibility to your portfolio  Cost Savings, Compliance and PRESCREEN is an instant door opener for any dealer

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION  Sales & Marketing Collateral marketing materials Contacting dealers to present, close and follow up  Provide Lead Form Tracking and accounting of all members inquiries Status Update Reports of referrals, inquiries and sign-ups  Account Setup Assurance of products & services implementation One on One walk through of ALL products & services Questions & Answers  Training Ongoing training for existing + new users New Product & service offerings demos Ongoing webinar & seminars  Support 24/7/365 support Offices nationwide One on One relationship for both Agent and Agent’s dealer  Billing monthly detailed commission reports for Agent monthly detailed statements available via electronically and/or paper for dealer What is 700Credit responsible for…Everything!!!

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION Appendix A – Example Lead Form

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION  Detailed reporting - which tracks leads, account setups, commissions etc… Agent Sample Commission Report for: December /17/ % of Margin between Revenue Total and Cost Total Cost = Report + Score when utilizing 700Credit System * Cost = Report + Score + Summary + OFAC when not utilizing 700Credit System + A minimum of $0.06 per credit tansaction will be applied Product Name Invoice Date Invoice NumberVolumePer REVENUECOST TotalPerTotalMargin 40% Of Margin Revenue Share ABC AUTO SALLESLE1733/098 Trans Union - Credit Report12/1/ $1.96$137.20$2.30$161.00######$(9.52)$4.20+ Totals:$137.20$161.00$(23.80)$4.20 DEF AUTO SALESLE2524/098 Trans Union - Credit Report12/1/ $2.64 $2.10 $0.54$0.22 Totals:$2.64$2.10$0.54$0.22 JONES TOYOTALE2154/098 Trans Union - Credit Report12/1/ $2.29$82.44$2.10$75.60$6.84$ Credit - Credit Report Red Flag12/1/ $0.35$12.60$0.18$6.48$6.12$ Credit - Adverse Action Letter Queue12/1/ $1.00$4.00$0.80$3.20$0.80$ Credit - Mail House 2 Page Letters12/1/ $1.25 $0.80 $0.45$ Credit - Credit Report RF Alerts12/1/ $ Totals:$100.29$86.08$14.21$5.68 BROS AUTO SALESLE1720/098 Trans Union - Credit Report12/1/ $2.09$14.63$2.30$16.10$(1.47)$(0.59)$0.42+ Totals:$14.63$16.10$(1.47)$0.42 DETROIT FORD*LE2506/098 Trans Union - Credit Report11/1/ $2.16$133.92$2.10$130.20$3.72$1.49$3.72+ Experian - Credit Report11/1/ $2.09 $2.10 $(0.01)$(0.00)$ Credit - Credit Report Red Flag11/1/ $0.25$17.00$0.18$12.24$4.76$ Credit - Credit Report RF Alerts11/1/ $0.10$1.60$0.00 $1.60$0.64 Totals:$154.61$144.54$10.07$6.32

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION Quick Screen …… is a revolutionary new CRM enhancement tool to log and control every customer with factual Credit Data. Just log into your CRM and register the customer your normal way !!! You will see their live credit score and loan information. You know if you’re working with a prime, near-prime, or sub-prime customer. Identify an equity customer who has a high payment or interest rate but has a good credit score that you can refinance. credit score Know if your customer qualifies for your best lease programs. You know that you’re quoting the right interest rate for the payment buyer. You know the customer’s potential trade-in information. You know if a customer has been shopping for a car recently. QUICK SCREEN also comes with a Web App tool for the Dealers website!!!

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION Quick Screen Shows a Dealer the Prospects… Live Credit Score Interest Rate Payment Payoff Original Term Remaining Term Original Loan Remaining Loan Times Late on Loan Revolving Credit If the customer has been shopping for a car recently No Social Security # needed No DOB needed No Credit App needed No Signature needed Does not affect the customers credit score or credit in any way

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION The authorized manager instantly has an accurate snap shot of the potential prospect and their ability to purchase a car, so that the sales process starts correctly every time.

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION Quick Screen Web App… What is it? It’s just a short form that can easily be plugged into a dealers existing website or can be used as a stand-alone micro-site. It’s quick and easy for customers to fill out and does NOT require the customers SS# in order to submit. You just need a Name and Address only to instantly find out if they are pre-qualified. The short form includes a video to help engage the customer to act quickly.

Quick App - What Is It? Quick App replaces your old fashioned, confusing and cumbersome credit application on your dealerships website. Quick App is interactive, utilizing audio and video to encourage customers to want to fill out your dealerships website credit application and get pre-approved in seconds!

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION Quick Screen Web App and Quick App are Both Available in Spanish too!!!

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION Credit Bureaus & Compliance Quick Screen & Quick App New Products CB and Compliance Cost Savings, Compliance Protection, and Pre-Screen capabilities OPENS DOORS and Adds Credibility as an Agent

© Credit, LLC | 2233 West 190 th Street, Torrance, CA | CONFIDENTIAL INFORMATION If you have any questions or would like to talk to someone for a more detailed conversation you can contact Bob Lettis Ann Carson