WE TURN YOUR TURN DOWNS INTO CASH WITH MAXIMUM GROSS PROFITS AND CASH TO DEALER 30 MIN OR LESS STIPULATIONS APPROVAL ON ALL ELIGIBLE DEALS

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1 WE TURN YOUR TURN DOWNS INTO CASH WITH MAXIMUM GROSS PROFITS AND CASH TO DEALER 30 MIN OR LESS STIPULATIONS APPROVAL ON ALL ELIGIBLE DEALS MAXIMUM ADVANCE POTENTIAL ON ALL DEALS SAME DAY / 24 HOUR FUNDING ADVANCES PAID AS APPROVED NO DISCOUNT CHANGES FLEXIBLE FINANCE PROGRAMS GPS, PAYMENT ASSISTANCE & PAYMENT REMINDER SUPPORT WARRANTY AND GAP AVAILABLE FOR EVERY POTENTIAL CUSTOMER ANCILLARY DEALER PARTICIPATION 24 HR CUSTOMER SUPPORT LONG TERM FINANCE CUSTOMER SUPPORT (EDUCATIONAL) ONGOING DEALER PRODUCT TRAINING Contact us to discuss other options for funding contracts with your subprime customers. Octant Auto Credit is a privately held company, managed by owners who make experienced automotive credit dealership sales and approve almost 100% of your subprime customer sales. Call us today for more information about our programs. Our responses will be prompt, courteous, professional and the key word in business Flexible! H. Patrick Sheehan: Finance Director / Senior Buyer:

2 MINIMUM DOWN PAYMENT TIER A - 10% TIER B - 15% TIER C - 20% *DOWN PAYMENT PERCENTAGE IS BASED ON SALES PRICE, TRADE VALUE OR REBATE OKAY. MINIMUM $500 FROM THE CUSTOMER. CUSTOMER GUIDELINES DEALER GUIDELINES PROCESSING FEE:...$150 (deducted from advance) DEALER ADVANCE LIMITS:...125%, 120%, 115% DEALER DISCOUNT:... 10%, 15%, 20% DEALER DISCOUNT POLICY:... BASED ON FINANCED COLLATERAL DEALER RECOURSE:...ONE PAYMENT ON ALL TIER PROGRAMS. TITLE REQUIREMENT :...Title and smog to fund new contracts. FIRST PAYMENT MUST BE MADE BY CUSTOMER (NO DEALER PARTICIPATION) IF FIRST PAYMENT MADE BY OTHER THAN BUYER, CONTRACT IS VOIDED HOURS OF BUSINESS M F PM MST SAT PM MST CONTACT CUSTOMER SUPPORT PATRICK SHEEHAN FAX (All OAC Deal Apps) CUSTOMER GUIDELINES Experian credit bureau used for main credit assessment. All other bureaus considered. OAC s goal is to fund a MINIMUM of 10 deals a month to achieve true consistent incremental sales for our Dealer Partners. First dealer check from OAC is for two completed contracts. OAC accepts tax id # s and work permit # s. Valid Utah or United States drivers license required on all deals. OAC Maintains, the right to refuse f anyone credit and may execute the right to do so. funding. Information entered on credit application by the customer(s) tier placement. No pick up payments. All down payments due in with in 30 days of contract. 45 days until 1st payment. Common sense used for all underwriting guidelines. Current industry practices apply. Guidelines used for guidance only. All a Octant Auto Credit, based upon current buyer and credit risk. All exceptions and considerations will be considered on a case **** OFAC & Red Flag Compliance Copies: (Dates must match inquiry): Vehicles. Clean titles and true mileage only. CATEGORY SPECIFIC GUIDELINES CAT-1 CAT-2 CAT-3 DTI=50% PTI= 20% 10% MINIMUM DOWN PAYMENT RESIDENCE TIME: 1 year JOB TIME: 1 year OR COMBINATION 3 YEARS EITHER IN JOB OR RESIDENCY TIME. NO MORE THAN TWO JOBS OR RESIDENCES IN 3 YEARS. SAME JOB INDUSTRY CONSIDERED. TIME ON BUREAU 5 YEARS MINIMUM TIME IN AREA (no gaps): 4-5 years NO JOB OR RESIDENCE GAPS TWO YEARS MINIMUM. COLATTERAL CONSIDERATION ON TIER APPROVAL. PREVIOUS PAID AUTO CREDIT. MIMIMUM RESIDENCE $500 NO LIVE WITH SCENERIO S NO MULTIPLE REPOSSESSIONS DTI=45% PTI=18% 15% MINIMUM DOWN RESIDENCE TIME: 6-12months JOB TIME:6-12 months OR COMBINATION 2 YEARS EITHER IN JOB OR RESIDENCY TIME NO MORE THAN THREE JOBS OR RESIDENCES IN 2 YEARS. TIME ON BUREAU 3 YEARS. TIME IN AREA (NO GAPS): 2-3YEARS NO JOB OR RESIDENCE GAPS 1 YEAR MINIMUM. COLATTERAL CONSIDERATION ON TIER APPROVAL. TRADE LINE $5000 MINIMUM CURRENT OR PAID TWO YEARS OLD OR NEWER. LIVE WITH SCENERIOS CONSIDERED WITH RENTAL AGREEMENT. MULTIPLE REPO S CONSIDERED OVER ONE YEAR OLD OR IN DISCHARGED BK DTI=40% PTI=15% 20% MINIMUM DOWN RESIDENCE TIME: RECENT MOVE IN S TO 2 YEAR OK. JOB TIME: RECENT HIRE WITH VALID JOB LETER TO 1 YEAR. TIME ON BUREAU: 1YEAR TIME IN AREA: 6 MONTHS TO 2 YEARS COLATTERAL CONSIDERATION ON TIER APPROVAL. 3 GOOD TRADE LINES MINIMUM $500 CURRENT OR PAID. MULTIPLE BK S OK MUST BE DISHARGED ALL USPS SENT TO: ALL NON-USPS SENT TO: OCTANT AUTO CREDIT OCTANT AUTO CREDIT PO BOX S 2940 E #91230 SALT LAKE CITY, UT SALT LAKE CITY, UT 84109

3 MINIMUM DOWN PAYMENT TIER A - 10% TIER B - 15% TIER C - 20% *DOWN PAYMENT PERCENTAGE IS BASED ON SALES PRICE, TRADE VALUE OR REBATE OKAY. MINIMUM $500 FROM THE CUSTOMER. AUTO FINANCE GUIDELINES DEALER GUIDELINES PROCESSING FEE:... $150 (deducted from advance) DEALER ADVANCE LIMITS:...125%, 120%, 115% DEALER DISCOUNT:... 10%, 15%, 20% DEALER DISCOUNT POLICY:... BASED ON FINANCED COLLATERAL DEALER RECOUSE:...ONE PAYMENT ON ALL TIER PROGRAMS. TITLE REQUIREMENT:...Title and smog to fund new contracts. INELIGIBLE VEHICLES:... Saturn / SAAB / Jaguar / Landrover / Porsche / Hummer HOURS OF BUSINESS M F PM MST SAT PM MST CONTACT CUSTOMER SUPPORT PATRICK SHEEHAN FAX (All OAC Deal Apps) OAC FINANCE STRUCTURE Minimum Book Value: $4000 KBB. Deal structure= Tier Approval, (A/B/C) Multiplied by Advance, plus down payment plus back end. ****OFAC and Red Flag Compliance Copies: (Dates Must Match Inquiry): OAC does not finance salvage, rebuilt or TMU Vehicles. Clean titles and true mileage only. INTEREST RATES: CATEGORY A =21.99% CATEGORY B =24.99% CATEGORY C = 28.99% TURN DOWN CONSIDERATIONS Repossessions within one year Major derogatory installment credit within one year Unlisted jobs paid cash Fixed income (SSI) w/derogatory credit Unemployed and AKA s Multiple Bankruptcies not connected Open chapter 13 bankruptcies *Exceptions made based on vehicle and customer s qualifying information. TERMS EXTENSIONS MADE ON A & B TIER 6 MONTHS MAX. FROM ORIGINAL CALL. A & B = $250 MINIMUM AMOUNT TO FINANCE $7,500 C TIER EXTENSION $350 MINIMUM AMOUNT TO FINANCE $9,000 **MAX TERM 60 MOS. ALL TIERS MAX MILEAGE CAP 145,000 MODEL YEAR CAP: CURRENT MODEL YEAR BACK TO, BUT NOT TO EXCEED 12 MODEL YEARS AMOUNT FINANCED MINIMUM AMOUNT FINANCED MAXIMUM TIER A MAXIMUM AMOUNT TO FINANCE TIER A 10% DISCOUNT 125% MAX ADVANCE TOYOTA-CARS / HONDA-CARS / TOYOTA (TRUCKS/SUV) V-6 / HONDA (TRUCKS / SUV) V-6 LEXUS V-6 / ACURA / INFINITY / SCION TIER B 15% DISCOUNT 120% ADVANCE TIER A & B MILEAGE GUIDELINES UP TO 125% OF KBB WHOLESALE (MAX) ** < 60,000 > 80,000 > 105,000 = 145, TO TO $10000 $9000 $7500 $6000 $15000 $11000 $9000 $7500 $20000 $15000 MAZDA / MITSUBISHI / HYUNDAI / NISSAN / TOYOTA V-8 / HONDA V-8 / KIA / BMW INFINITI / DOMSTESTIC TRUCKS V-6 / LEXUS V-8 / SUBARU / VOLKSWAGEN / VOLVO / AUDI $13000 $11000 TIER C MILEAGE GUIDELINES UP TO 115% OF KBB WHOLESALE (MAX) < 80,000 > 125,000 = 145, TO $9000 $7500 $6000 $11000 $9000 $7500 $15000 $13000 $11000 TIER C 20% DISCOUNT 115% MAX ADVANCE ALL DOMESTIC VEHICLES / SUZUKI / ALL DOMESTIC SUV AND TRUCK W/V 7 & V-8 / JEEP V 6 & V-8 / MERCEDES / PONTIAC TRUCK AND SUV MILEAGE GUIDELINES UP TO 115% OF KBB WHOLESALE (MAX) < 80,000 > 125,000 = 145, $11000 $11000 $9000 $15000 $13000 $11000 $20000 $15000 $13000

4 SCORING TABLE Cust Car ADV APR DISC D.P DTI PTI 1 A 125% 21.99% 10% 10% A 125% 24.99% 15% 15% A 125% 28.99% 20% 20% B 120% 21.99% 10% 10% B 120% 24.99% 15% 15% B 120% 28.99% 20% 20% C 115% 21.99% 10% 10% C 115% 24.99% 15% 15% C 115% 28.99% 20% 20% CUSTOMER CATEGORIES CAT-1 CAT-2 CAT-3 DTI=50% PTI= 20% 10% MINIMUM DOWN PAYMENT RESIDENCE TIME: 1 year JOB TIME: 1 year OR COMBINATION 3 YEARS EITHER IN JOB OR RESIDENCY TIME. NO MORE THAN TWO JOBS OR RESIDENCES IN 3 YEARS. SAME JOB INDUSTRY CONSIDERED. TIME ON BUREAU 5 YEARS MINIMUM TIME IN AREA (no gaps): 4-5 years NO JOB OR RESIDENCE GAPS TWO YEARS MINIMUM. COLATTERAL CONSIDERATION ON TIER APPROVAL. PREVIOUS PAID AUTO CREDIT. MIMIMUM RESIDENCE $500 NO LIVE WITH SCENERIO S NO MULIPLE REPOSSESSIONS DTI=45% PTI=18% 15% MINIMUM DOWN RESIDENCE TIME: 6-12months JOB TIME:6-12 months OR COMBINATION 2 YEARS EITHER IN JOB OR RESIDENCY TIME NO MORE THAN THREE JOBS OR RESIDENCES IN 2 YEARS. TIME ON BUREAU 3 YEARS. TIME IN AREA (NO GAPS): 2-3 YEARS NO JOB OR RESIDENCE GAPS 1 YEAR MIN- IMUM. COLATTERAL CONSIDERATION ON TIER APPROVAL. TRADE LINE $5000 MINIMUM CURRENT OR PAID TWO YEARS OLD OR NEWER. LIVE WITH SCENERIOS CONSIDERED WITH RENTAL AGREEMENT. MULTIPLE REPO S CONSIDERED OVER ONE YEAR OLD OR IN DISCHARGED BK DTI=40% PTI=15% 20% MINIMUM DOWN RESIDENCE TIME: RECENT MOVE IN S TO 2 YEAR OK. JOB TIME: RECENT HIRE WITH VALID JOB LETER TO 1 YEAR. TIME ON BUREAU: 1YEAR TIME IN AREA 6 MONTHS TO 2 YEARS COLATTERAL CONSIDERATION ON TIER APPROVAL. 3 GOOD TRADE LINES MINIMUM $500 CUR- RENT OR PAID. MULTIPLE BK S OK MUST BE DISHARGED INELIGIBLE VEHICLES SATURN / SAAB / JAGUAR / LANDROVER / PORSCHE / HUMMER TIER A 125% MAX ADVANCE TOYOTA-CARS / HONDA-CARS / TOYOTA (TRUCKS/SUV) V-6 / HONDA (TRUCKS / SUV) V-6 LEXUS V-6 / ACURA / INFINITY / SCION CAR TIERS TIER B 120% MAX ADVANCE MAZDA / MITSUBISHI / HYUNDAI / NISSAN / TOYOTA V-8 / HONDA V-8 / KIA / BMW INFINITI / DOMSTESTIC TRUCKS V-6 / LEXUS V-8 / SUBARU / VOLKSWAGEN / VOLVO / AUDI TIER C 115% MAX ADVANCE ALL DOMESTIC VEHICLES / SUZUKI / ALL DOMESTIC SUV AND TRUCK W/V 7 & V-8 / JEEP V 6 & V-8 / MERCEDES / PONTIAC

5 UTAH FUNDING GUIDELINES DEALER STRUCTURE: Maximum Check to Dealer: (TIER A: 125%), (TIER B: 120%), (TIER C: 115%) of adjusted Kelly wholesale book for all Tier A vehicles, see Auto structure Guidelines for current valid auto makes. Maximum Unpaid Balance: Tier A = $20,000 Minimum Unpaid Balance: $5,000 Minimum KBB value $4000 Down Payment: % of sales price. Down Payment percentage is based on sales price, trade value or rebate okay. Minimum $500 from the customer. APR s: 21.99, 24.99, and APR-simple interest contracts only. CAT-1: 21.99% CAT-2: 24.99% CAT-3: 28.99% Vehicles: Under 80k miles, <5 years and under $20,000, ok up to 60 months (with OAC approval) Greater than 80k miles, <7 years and under $15,000, ok up to 48 months (with OAC approval) Greater than 105k miles, <9 years and under $9,000, ok up to 42 months (with OAC approval) MAX MILEAGE 145k miles and under $7,500, ok up to 36 months (TIERS A&B): ok up to 24mo TIER C and under $7,500 Mileage: Double the Deduct value for KBB mileage greater than or equal to <$1500> for correct wholesale value. $9000. MAX TERM ALL TIERS 60MOS.** Recourse 1 Payment on all contracts; dealer responsible for repossession. OAC will assist dealer in Repo Process. ***(Exceptions made based on vehicle and customer) FIRST PAYMENT MUST BE MADE BY CUSTOMER (NO DEALER PARTICIPATION) IF FIRST PAYMENT MADE BY OTHER THAN BUYER, CONTRACT IS VOIDED CUSTOMER STIPULATIONS TO APPROVE AND FUND CONTRACTS All employment must verified. All customers must provide valid current proof of income** and residence, including current phone bill (all pages), and full coverage insurance with Octant Auto Credit as the lien holder. All documentation must be within 30 days of date on contract before funding. Credit. ****OFAC and Red Flag Compliance Copies: (Dates must match Inquiry): itles and true mileage only. ALL USPS SENT TO: OCTANT AUTO CREDIT PO BOX SALT LAKE CITY, UT HOURS OF BUSINESS M F PM MST SAT PM MST CONTACT CUSTOMER SUPPORT PATRICK SHEEHAN FAX (All OAC Deal Apps) ALL NON-USPS SENT TO: OCTANT AUTO CREDIT 3350 S 2940 E #91230 SALT LAKE CITY, UT 84109

6 DEALER APPLICATION Dealership Name: Address: Corporate Name: City: State: Zip: Phone #: ( ) _ Fax #: Finance Manager: How long in Business at this address: as a Individual Partnership Corporation Formerly Located at: Business Background: FULL NAME: AGE: OFFICE TITLE (IF ANY): PERSONAL WORTH: (outside business) ENGAGED IN WHAT OTHER BUSINESS: FINANCE CO. YOU ARE / HAVE DEALT WITH: ADDRESS, CONTACT NAME, PHONE NUMBER AT PRESENT: FORMERLY: NEW DEALER REQUIREMENTS What Company holds your Dealer Bond? OFFICE USE ONLY - DO NOT WRITE IN THIS SECTION 1. Dealer Inventory List 2. Copy of Dealer Bond Bond or Agent Phone Number: _ CBI Approved By Flooring Agency of Dealer s Inventory: Program 4. Copy of Business or City License 5. Copy Sales Tax Permit 6. Copy of DMV License Contact Person: Vesting Date 7. Fictitious Name Filing Number of Cars Retailed Monthly: Phone Number: Sales Rep Area _ T/S-VRC MDA s Sent Fax/Answer to Rep

7 ADDITIONAL PARTNERS & OWNERS PRINT NAME: LASTFIRST MIDDLE D.O.B./_/ D/L#: S/S/N: SPOUSE NAME AGE D/L# S/S/N: -- --_ HOME ADDRESS CITY_STATE ZIP HOME #:_ RENT OR BUYING OR OWN HOME: LANDLORD or MORTGAGE HOLDER BALANCE: MORTGAGE VALUE:PAY PER MONTH $ PREVIOUS ADDRESS: PARENTSADDRESSCITYSTATE ZIP RELATIVE REFERENCE ADDRESS CITYSTATE ZIP I DECLARE THAT THE INFORMATION GIVEN IS CORECT AND AUTHORIZE OCTANT AUTO CREDIT TO GATHER CREDIT INFORMATION IT CONSIDERS NECESSARY TO PURCHASE CONTRACTS SIGNED DATE_ PRINT NAME: LASTFIRST MIDDLE D.O.B./_/ D/L#: S/S/N: SPOUSE NAME AGE D/L# S/S/N: -- --_ HOME ADDRESS CITY_STATE ZIP HOME #:_ RENT OR BUYING OR OWN HOME: LANDLORD or MORTGAGE HOLDER BALANCE: MORTGAGE VALUE:PAY PER MONTH $ PREVIOUS ADDRESS: PARENTSADDRESSCITYSTATE ZIP RELATIVE REFERENCE ADDRESS CITYSTATE ZIP I DECLARE THAT THE INFORMATION GIVEN IS CORECT AND AUTHORIZE OCTANT AUTO CREDIT TO GATHER CREDIT INFORMATION IT CONSIDERS NECESSARY TO PURCHASE CONTRACTS SIGNED DATE_