Funding Checklist REQUIRED DOCUMENTS LIENHOLDER / LOSS PAYEE: PO Box 465 YOUR APPROVAL IS OUR BUSINESS!

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1 Funding Checklist Toll Free (866) Fax (866) Application Number: Dealership Name: Date: Dealer Contact: Phone Number: Buyers Last Name: Vehicle: Dealer Documents REQUIRED DOCUMENTS Retail Installment Contract Signed by all buyers, assignment section completed and signed by an authorized signer. Retail Buyer's Order / Bill of Sale Odometer Disclosure Statement Copy of Service Contract (if applicable) GPS Device Installed and Tested Copy of Current Title GPS SERIAL # MV1/Application for Title Must reflect Carvant Financial LLC as lienholder. All Buyers must be listed. Proof of Lien Filing Copy of Trade Title If any portion of down payment was net trade equity. Copy of CarFax Report DMV Receipt reflecting Carvant as Lienholder (must be received prior to funding) Carvant Documents Copy of Approval Sheet Deal must be structured as indicated on Original Approval. Credit Application Must be original copy and signed in ink by all parties to the contract and must show authorization to pull credit. Carvant Credit Application is preferred. GAP Contract / Waiver If applicable. REQUIRED IN NEW YORK. Agreement to Provide Insurance Customer Documents Driver's License(s) Primary Buyer must provide license state issued non driver ID only accepted for Co (Buyer or Signer) Proof of Income (all sources) Must be verifiable and dated within 30 days of the contract date. (see "PROOF OF INCOME REQUIREMENTS") Proof of Residence Phone bill reflecting the phone number & address on application & additional form of proof as specified in the PROOF OF INCOME AND RESIDENCE REQUIREMENTS Stips (all stips required on Approval Sheet) Please include copy of binder Customer ACH Authorization Form Cash Price Representation Form Must be signed by all Buyers and Authorized Dealer Representative. All Buyers must receive a copy. (formerly known as "Discount Disclosure Form") GPS Disclosure All Buyers must sign and initial all sections. All Buyers must receive a copy. Notice to Co Signer or Co Buyer Agreement Regional value, adjust for miles, engine, trans, A/C, 4WD/AWD only. References Two references must be relatives not living with Buyer. MUST PROVIDE FIVE REFERENCES IN TOTAL. PLEASE MAIL FUNDING PACKAGES TO: Carvant Financial LLC 6901 Jericho Turnpike, Suite 218 Syosset, NY Attn: FUNDING Funding Department Contact Info: Phone: (866) Fax: (866) Funding@carvant.com LIENHOLDER / LOSS PAYEE: Carvant Financial LLC PO Box 465 Syosset, NY YOUR APPROVAL IS OUR BUSINESS! FundingChecklist.v Carvant Financial LLC Page 1 of 1

2 CREDIT APPLICATION (All states except AR, AZ, CA, ID, LA, MA, ME, NH, NM, NV, RI, TN, TX, WA and WI) INSTRUCTIONS You may apply for credit in your name alone, whether or not you are married. Please indicate whether you are applying Individually With Another Person By initialing the following, you indicate that you intend to apply for joint credit: Applicant Initials: Joint applicant Initials: If you are applying for individual credit in your own name and are relying on your own income or assets and not the income or assets of another person as the basis for repayment of the credit requested, complete sections 1 and 3. If this is an application for joint credit with another person complete all Sections providing information in Section 2 about the Co Applicant. Will Applicant(s) be the principal driver/operator of the vehicle? YES NO If No, please provide name of principal operator The vehicle being applied for will be used for Personal, family or household use Business, commercial or agricultural purposes. SECTION 1: Applicant Information Last Name First Name Middle Initial Suffix (Jr. Sr., etc.) Birthdate Social Security Number Address (Residence) City State Zip How Long? Drivers License Number and State Yrs: Mos: Home Phone Cell Phone Full Mailing Address (if different from Home Address) ( ) ( ) Residential Status: Monthly Rent/Mort. Pmt. Landlord / Mortgage Holder's Name Landlord / Mortgage Holder's Phone No. Own Rent Buying Parent Other ( ) Previous Full Address (if current is less than 3 years) City State Zip How Long? Address Yrs: Mos: Employment and Income Information: Note 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. Current Employer's Name Self Employed Current Occupation Time Employed? Monthly Income Other Income Other Income Source Yrs: Mos: $ $ Current Employer's Address Position or Title Current Work Phone No. Pay Frequency (please circle) Employment Status ( ) Wkly Bi Wkly Semi Monthly Monthly FT PT Prior Employer (If at current less than 3 years) How Long? Prior Employer Address Prior Occupation Yrs: Mos: SECTION 2: Co Applicant Information Last Name First Name Middle Initial Suffix (Jr. Sr., etc.) Birthdate Social Security Number Co Applicant Type Relationship to Applicant Joint Applicant Co signer Guarantor Address (Residence) City State Zip How Long? Drivers License Number and State Yrs: Mos: Home Phone Cell Phone Full Mailing Address (if different from Home Address) ( ) ( ) Residential Status: Monthly Rent/Mort. Pmt. Landlord / Mortgage Holder's Name Landlord / Mortgage Holder's Phone No. Own Rent Buying Parent Other ( ) Previous Full Address (if current is less than 3 years) City State Zip How Long? Address Yrs: Mos: Employment and Income Information: Note 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. Current Employer's Name Self Employed Current Occupation Time Employed? Monthly Income Other Income Other Inc. Source Yrs: Mos: $ $ Current Employer's Address Position or Title Current Work Phone No. Pay Frequency (please circle) Employment Status ( ) Wkly Bi Wkly Semi Monthly Monthly FT PT Prior Employer (If at current less than 3 years) How Long? Prior Employer Address Prior Occupation Yrs: Mos: SECTION 3: Credit and Debt Information Bank Reference Account Number Account Type Checking Savings Other: Type of Loan (Auto, Mortgage, Other) Monthly Payment Balance Creditor Date Open Status (Current, Past Due, Closed) Has any party to this application ever: Had a vehicle repossessed? YES NO Had/have any suits or judgments, open or closed? YES NO Filed Bankruptcy within the last 10 years? YES NO Please explain any YES answers above: CreditApplication.V LETTER (C) 2010 Carvant Financial LLC Page 1 of 2

3 CREDIT APPLICATION (All states except AR, AZ, CA, ID, LA, MA, ME, NH, NM, NV, RI, TN, TX, WA and WI) SECTION 4: Dealer Section Dealer Name Dealer Number Dealer Contact Contact Phone Number ( ) Year Make Model VIN Miles New or Used Selling Price Trade Allow. Trade Payoff Cash Down Doc Fees Title & Lic. Sales Tax Service Contract Amt Serv. Contract Term Amount Financed Term Rate Estimated Payment Vehicle ACV FAIR CREDIT REPORTING ACT DISCLOSURE: This application for credit sale will be submitted to Carvant Financial LLC at PO Box 465, Syosset, New York, for purchase or consideration as to whether it meets purchase requirements. PLEASE READ AND SIGN BELOW: By my signature below, I certify that I have completed this application to obtain credit, and that I have received a completed copy. I certify that the statements above are true and complete. I authorize the Dealer or Carvant Financial LLC ("CARVANT") to check the information on this application, check my credit references with the credit bureaus and others and request additional information from them including a credit report, ask any party or department about my driving record, verify my employment, provide credit information about this transaction to others for the purpose of initiating, monitoring, and other purposes related to this account, and give a copy of this application to anyone who has agreed to pay debts incurred on the basis of this application. I authorize CARVANT to communicate the reason(s) for action taken on this application to the Dealer named above. If I have provided my e mail address on this application, I am giving express consent to receive communications and correspondence via e mail from any of the parties to this transaction. Applicant's Signature Date: Co Applicant's Signature Date: Notice to New York and Vermont Residents: Consumer reports may be requested in connection with this application. Upon request, you will be informed whether or not a consumer report was requested and, if it was, of the name and address of the consumer reporting agency that furnished the report. Additional consumer reports may be requested with respect to any extension or renewal of this obligation. Notice to Ohio Residents 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. THE REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK CreditApplication.V LETTER (C) 2010 Carvant Financial LLC Page 2 of 2

4 Authorization to Release Info Toll Free (866) Fax (866) Authorization to Release Information Dealer: Buyer Name: Buyer Name: Contract Date: Vehicle Year: Vehicle Make: Vehicle Model: Each Buyer named above does hereby certify the following: I have completed an application to obtain credit to purchase the above referenced vehicle ("Application"). I have received a completed copy of the Application. The statements made in the Application are true and complete. I have authorized the Dealer to submit my Application to Carvant Financial LLC ("Carvant"). I authorize the Dealer or Carvant to check the information on the Application, check my credit references with the credit bureaus and others and request additional information from them including a credit report, ask any party or department about my driving record, verify my employment, provide credit information about this transaction to others for the purpose of initiating, monitoring, and other purposes related to this account, and give a copy of the Application to anyone who has agreed to pay debts incurred on the basis of the Application. I authorize Carvant to communicate the reason(s) for action taken on the Application to the Dealer named above. If I have provided my e mail address on the Application, I am giving express consent to receive communications and correspondence via e mail from any of the parties to this transaction. Signed: Buyer Buyer AuthorizationToReleaseInfo.v1.000 carvant Financial LLC Page 1 of 1

5 Agreement to Provide Insurance Toll Free (866) Fax (866) You have entered into a retail installment contract for the purchase of a motor vehicle. Maintaining insurance coverage continuously during the term of the contract is important to provide protection from serious financial loss, and is a condition of the contract. By signing below, each signer acknowledges and agrees to the following: 1. I/we will obtain insurance coverage against the risk of fire, theft and collision on the motor vehicle listed below, with deductibles of no more than $500; 2. The required coverage will be maintained continuously, during the entire life of the installment contract; 3. The installment contract I/we signed gives the Lender the right to declare the contract in default if insurance is not maintained continuously; 4. I/we have arranged for the required insurance through the Insurance Company shown below and have requested that the Lender s interest in the motor vehicle be noted with a loss payable endorsement in favor of the Lender; 5. I/we authorize Carvant Financial LLC to verify coverage with my agent, and to provide correct loss payee information in the event that my agent does not have it. PURCHASER(S): VEHICLE TO BE REGISTERED IN THE NAMES OF: Name(s): Buyer CoBuyer Address: Street City State Zip VEHICLE TO BE INSURED: Year Make Model VIN INSURANCE AGENT: Name Address INSURANCE COMPANY Name Trim Phone Number Phone Number Policy Number Effective: From To Deductibles: Comprehensive Collision Signature(s): Name Signature Date Name Signature Date Authorized Dealer Representative: Name Phone LIENHOLDER/LOSS PAYEE NAME AND ADDRESS: Carvant Financial LLC PO Box 465 Syosset, NY AgreementToProvideInsurance.v Carvant Financial LLC Page 1 of 1

6 (866) Toll Free (866) Fax Payment Authorization Application Number: Buyer's Last Name: Recurring Payment Authorization Form I hereby authorize Carvant Financial LLC ("Carvant") to make recurring charges to my financial account listed below. I understand my account will be charged $ (CIRCLE ONE) WEEKLY BIWEEKLY SEMI MONTHLY MONTHLY OTHER: starting. In the event the scheduled payment falls on a weekend or holiday the account will be charged on the business day immediately preceding the due date. This authority will remain in effect until Carvant is notified by mail to cancel it, allowing Carvant a reasonable opportunity to act. (Name on Account PLEASE PRINT AS APPEARS ON CARD) (Address PLEASE PRINT) (Phone Number PLEASE PRINT) CREDIT OR DEBIT CARD Please select one: Visa MasterCard Discover American Express Account Number: _ Expiration Date: / (PLEASE NOTE: WE WILL CONTACT YOU FOR YOUR CCV CODE) (Signature) (Effective Date) Please return to Carvant via mail or fax: Carvant Financial LLC Attn: PAYMENT PROCESSING PO Box 465 Syosset, NY Phone: Fax: ACH_Authorazation.v Carvant Financial LLC

7 Cash Price Representation DATE: (Main Phone) (Main Fax) BUYER REPRESENTATION OF CASH PRICE CUSTOMER(S): SELLER: I am considering entering into a Retail Installment Contract ( Contract ) in connection with the purchase of an automobile from the Seller named above. I have been given an opportunity to read, and take if I wish, the Contract, which is completely filled in, and to ask any questions I have concerning the Contract or this document. I understand that the price of the automobile I am purchasing is included in the, in the Cash Price disclosure. The price is also identified in the buyer s order/bill of sale document provided to me by the seller. The price set forth in these documents is what I would pay for the automobile if I was purchasing it for cash, and that I was not quoted a lower price for the automobile and that the price was not increased because I am purchasing the automobile on credit. I understand that the Seller may sell and assign my Contract to a third party, and that this transaction is not part of my purchase of the automobile. I also understand that I do not have to pay a fee or other amount for the Seller to sell and assign the Contract, nor do I have to buy anything extra. The sale and assignment of my Contract will not relieve me of any obligations under the Contract nor will it alter any of those obligations, except as to the place where payment is to be made. I acknowledge that I received and read this document before signing the Contract. CUSTOMER SIGNATURE DATE CUSTOMER SIGNATURE DATE DealerDiscountDisclosure.v Carvant Financial LLC Page 1 of 1

8 PASSTIME GPS PAYMENT ASSURANCE SYSTEM DISCLOSURE STATEMENT AND AGREEMENT FOR INSTALLATION Buyer(s) Names: Date: Vehicle Description: Year Make Model Vehicle Identification Number (VIN) Pursuant to the Retail Installment Sale Contract (the Contract ) that I signed in connection with my purchase of the above-described vehicle (the Vehicle ), dated the same date as this Passtime Payment Assurance System Disclosure Statement and Agreement for Installation (this Agreement ), I understand that the Vehicle I am purchasing is equipped with the PASSTIME GPS PAYMENT ASSURANCE ELECTRONIC DEVICE (the Device ). The Device is designed to ensure that I make my payments on time as required by the Contract. The Device includes a GPS (global positioning system) tracking unit that can determine at any time where my vehicle is located. This GPS will not be used to determine my driving habits or practices (e.g. speeding) but may be randomly activated to ensure the GPS is still functioning. The Dealership or its designated assignee or representative will not provide any access to or record of the tracking unless required to do so by law, or to enforce any rights Dealer or its designated assignee or representative may have to secure payment of any payments due under any contract between us and/or to secure repossession of the Vehicle as allowed. If I fail to make a scheduled payment on or before the due date, the vehicle will be disabled and will not start. In the following, you refers to the buyer signing below. PLEASE READ AND SIGN BELOW TO INDICATE YOUR UNDERSTANDING AND ACCEPTANCE OF THE FOLLOWING TERMS REGARDING THE INSTALLATION OF THE PASSTIME GPS PAYMENT ASSURANCE DEVICE, YOUR OBLIGATIONS CONCERNING MAKING PAYMENTS UNDER THE CONTRACT AND THE CONSEQUENCES OF FAILING TO MAKE A PAYMENT: 1. I understand that installing and maintaining the Device in the Vehicle is a material condition for the Dealership to finance the purchase of the Vehicle. I further understand that I may be able to purchase a vehicle from another dealership that may not require installation of the Device, but I am choosing to purchase this Vehicle and I consent to having the Device installed. 2. I have been provided with the PASSTIME GPS CUSTOMER OPERATING INSTRUCTIONS, which explain how the Device operates, my obligations with respect to the use of the Device and the 24-hour hotline number /28/08 PASSTIMEGPS-MULTISTATE GORDON HOWARD & ASSOCIATES AL, AK, AZ, AR, FL, GA, HI, ID, IL, IN, KY, MD, MI, MN, MS, MT, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, TN, UT, VT, VA, WA, WY No party may republish, copy, redistribute, sell or offer for sale to any third party this material or any part of it without express written permission of the authors.

9 3. I understand that the Device is the property of the Dealership or its designated assignee. I further understand that if I tamper with, alter, disconnect or remove the Device, I will be considered in default under this Agreement and my Contract. 4. I understand that if a scheduled payment is not received by the Dealership or its designated assignee on or before the due date, the Vehicle will be disabled and will not start. 5. I understand the Device has a GPS unit as detailed above. If I fail to make a payment, the Vehicle will not start (if the Device is so equipped) and the GPS device will be used by Dealer or Dealer s assignee or designated representative to track the location of the vehicle for the purpose of assisting in the vehicle s subsequent repossession. If I fail to make payment and repossession is immediately allowed under applicable State law, the GPS will be used immediately to locate and track the Vehicle for immediate repossession. If I fail to make payment when due and live in a State where I am entitled to cure my default, but I fail to cure my default, the Vehicle will not start (if the Device is so equipped) and the GPS will be used to locate and track the Vehicle for repossession after the time for me to cure this nonpayment has run out. I agree that I have no right to privacy regarding the use of the GPS device to track the location of the vehicle, but in the event that a court, arbitrator, dispute resolution organization or state or federal authority should determine that such a right exists, I hereby waive such right to the fullest extent possible. I understand the GPS unit is not being used to make monies beyond those due and owing under this Agreement and my Contract, but is being used to secure collection of monies I hereby acknowledge I owe and, where allowed, to repossess the Vehicle as allowed. 6. I understand that the Device may contain wireless functionality for obtaining locations and enabling/disabling the vehicle. Further, I understand in certain areas, this remote wireless entry of codes may not work because the wireless connection may not get adequate reception (e.g. possibly in areas where Wireless/cell phone carrier service does not work) even if I have paid my bill when due. I understand I must call the Dealer or Dealer s representative if I have timely paid my bill and the remote wireless function does not work properly. 2/28/08 PASSTIMEGPS-MULTISTATE GORDON HOWARD & ASSOCIATES AL, AK, AZ, AR, FL, GA, HI, ID, IL, IN, KY, MD, MI, MN, MS, MT, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, TN, UT, VT, VA, WA, WY No party may republish, copy, redistribute, sell or offer for sale to any third party this material or any part of it without express written permission of the authors.

10 7. I understand that if I tamper with, alter, disconnect or remove the Device from the Vehicle, I may be liable for the cost to replace or repair the Device, unless prohibited by law. 8. I understand that the Dealership has the right to assign its rights, title and interest in the Contract at any time. The assignment of the Contract by the Dealership will not in any way affect the terms and conditions of this Agreement. 9. I understand that, in the event of an emergency and my vehicle is disabled, I can call the 24-hour hotline number in order to have my vehicle enabled for 24 hours, one time per payment cycle. I have been provided with a 24-hour hotline number to have someone dispatched to assist me in case of an emergency. 10. I understand that only the Dealership or its authorized representatives are permitted to perform maintenance on the Device or any of its components. Should maintenance or repair be required, I agree to make the Vehicle available to the Dealership or its representatives, during their normal business hours. I understand that the Dealership shall have full responsibility for the cost of all repairs to the Device, except for repairs caused by my tampering with, altering, disconnecting or removing the Device. 11. I understand that I may choose to purchase the Device after I have made all payments due under the Contract at a price to be determined and agreed upon by the Dealership and me. If I choose to purchase the Device after paying all sums due under the Contract, I will contact the Dealership. If I do not choose to purchase the Device at that time, the Device will be removed from the Vehicle by the Dealership, or otherwise made inoperable so that it will have no effect on the operation of the vehicle, at no charge to me. 2/28/08 PASSTIMEGPS-MULTISTATE GORDON HOWARD & ASSOCIATES AL, AK, AZ, AR, FL, GA, HI, ID, IL, IN, KY, MD, MI, MN, MS, MT, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, TN, UT, VT, VA, WA, WY No party may republish, copy, redistribute, sell or offer for sale to any third party this material or any part of it without express written permission of the authors.

11 12. Any violation of any terms or conditions of this Disclosure Statement and Agreement, shall also be deemed a material default under the conditional sales contract /or note/ and /or security agreement whereby the undersigned customer has purchased the above vehicle. Upon any default under this contract or violation of the terms and conditions herein, the secured party will be entitled to take any and all actions, including but not limited to repossession and sale, as may be allowed under the terms of the conditional sales contract and/or note and/or security agreement. 13. I understand that for my convenience, I may also elect to receive notifications from my Dealer or Creditor by way of text (SMS) message on my mobile phone. If I choose this optional plan, I may be charged by my cellular carrier, but Dealer and Creditor will not bill me for any additional charge for the text messaging. I understand and agree MY cellular carrier may bill me for its services in transmitting this text message at its standard rates over which my Dealer and Creditor have no control. NOTICE: Do not sign this Disclosure Statement and Agreement for Installation without reading it first. By signing below, you are acknowledging that you have been given the opportunity to read this document and the PASSTIME GPS CUSTOMER OPERATING INSTRUCTIONS and have had any questions regarding the Device answered to your satisfaction. You are further acknowledging that you fully understand and agree to be bound by all of the terms and conditions set forth herein. This Agreement is hereby incorporated by reference into the Contract. Dated: Buyer Authorized Dealership Representative Co-Buyer 2/28/08 PASSTIMEGPS-MULTISTATE GORDON HOWARD & ASSOCIATES AL, AK, AZ, AR, FL, GA, HI, ID, IL, IN, KY, MD, MI, MN, MS, MT, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, TN, UT, VT, VA, WA, WY No party may republish, copy, redistribute, sell or offer for sale to any third party this material or any part of it without express written permission of the authors.

12 Toll Free (866) Fax (866) Notice to Cosigner NOTICE TO COSIGNER Seller: Buyer(s): Contract Date: Vehicle Year: Vehicle Make: Vehicle Model: Vehicle Identification Number: You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn t pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record. This notice is not the contract that makes you liable for the debt. By signing below you acknowledge that you have read and received a copy of this notice, and you understand the information you have been given. By: Printed Name: Date: CosignerNotice.v Carvant Financial LLC Page 1 of 1

13 Toll Free (866) Fax (866) Customer References Dealership Name: Application Number: Customer Name: REFERENCE LIST 1. Reference Name: Relationship: Address: City: State: Zip: Home Phone: ( ) Cell Phone: ( ) 2. Reference Name: Relationship: Address: City: State: Zip: Home Phone: ( ) Cell Phone: ( ) 3. Reference Name: Relationship: Address: City: State: Zip: Home Phone: ( ) Cell Phone: ( ) 4. Reference Name: Relationship: Address: City: State: Zip: Home Phone: ( ) Cell Phone: ( ) 5. Reference Name: Relationship: Address: City: State: Zip: Home Phone: ( ) Cell Phone: ( ) CustomerReferences.v Carvant Financial LLC Page 1 of 1

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