## 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 all 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, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

1. When you check your rate and review loan offers, we perform a soft inquiry on your credit report, which won't impact your credit score. A separate soft inquiry will also occur when you accept an offer and submit your bank account information. Soft inquiries can only be seen by you. When your loan is funded, we perform a hard inquiry on your credit report, which may impact your credit score and can be viewed by third parties. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. You may be asked to provide additional documents to enable us to verify your income and your identity.

2. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Your final approval status is conditional upon our ability to verify all of the information in your application, which may require you to submit supporting documentation. If we are unable to verify any of the information in your application, you may not be eligible for credit.