PRE-QUALIFICATION CERTIFICATE

Congratulations! You have been pre-qualified for financing with Cargasm

Issued To

John Doe

123 Street, St Peters, MO 63376

Disclaimer:

Information contained in a pre-qualifying report from a credit-reporting agency was used in connection with this offer of credit. You understand this credit may not be extended if after you respond to this offer, we determine that the pre-qualifying report was not correct or you no longer meet the credit criteria necessary to assign your retail installment purchase agreement to a bank or other third party financing source at no less than face value. You must be at least 18 years of age, present a current driver's license, and evidence of physical damage insurance at time of purchase. Your monthly obligations cannot exceed 40% of your gross monthly income, nor can the monthly auto payment exceed 15% of your gross monthly income. This offer is good only for the purchase of a new or used vehicle from "Dealer". You must sign a retail installment agreement provided by "Dealer". Your pre-qualification expires 30 days from submission. Financing entities may also stipulate down payment, interest rate, maximum payment and amount financed based on several factors.

Pre-Qualification conditions and Disclosure:

The pre-qualification quoted herein is relying on the accuracy of the information you provide to us in your credit application, plus your credit score and the best information available to us from financing entities at the time of your payment request. We utilize general underwriting criteria made available to us from finance entities who provide financing to a diverse spectrum of consumer credit profiles, from poor credit to excellent credit. These results are not necessarily from a specific finance entity. These underwriting criteria may include your credit score, your income, your time at job, your time at your residence, the amount of your financing as a percentage of the value of the vehicle, the payment amount on the financing as a percentage of your income, your total debt and other factors. These criteria are subject to change on a daily basis. Your final vehicle price, down payment, state taxes and fees, accessories purchased, dealer incentives, trade-in value, etc., and specific finance entity terms may impact your final terms and monthly payment.

The Annual Percentage Rate (APR) will range between 0% APR and 30% APR depending on your credit score, the amount of your down payment, the term of your financing and other factors described in the paragraph above.

Cargasm, 316 Main St, Saint Peters,MO 63376, (636) 970-6800