HMF Special Programs Quick Reference Effective as of July 6, 2016

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1 HMF Special Programs Quick Reference Table of Contents HMF Special Programs Guidelines Promotion: Promotion Code: Page(s): Special Retail H700 Low APR; H701 Customer Choice 2 3 Special Lease H202 Lease; H220 Single Pay Lease 4 6 Special Balloon H302 Balloon 7 9 CPO Low APR H802 CPO 10 First Time Buyer (FTB) 744 FTB 11 College Grad n/a 12 Dealer Installed Options (DIO) n/a 13 Max Front-End Advance * Product Retail New 150% 135% 135% 135% 125% 115% 105% 100% 95% 90% Lease <42 month 130% 120% 120% 115% 110% 100% 95% 90% 90% 80% Lease 48 month 130% 120% 120% 110% 105% 95% 90% 85% 85% 80% Balloon 125% 115% 110% 105% 100% 95% 90% 85% 85% 85% CPO 150% 130% 130% 130% 120% 115% 105% 80% 80% 70% HPP Branded Backend Advance * 680+ < 680 Maximum Backend Max(18% of Invoice, $5,000) Max(15% of Invoice, $4,000) Extended Warranty: The greater of 12% or $3,000. (For Louisiana: the greater of 10% of invoice or $2,000) GAP (Cannot exceed state limits): Excess Wear and Tear: Pre-Paid Maintenance: Maximum of $900 (For Louisiana: $750 Maximum). Approved GAP providers only in Colorado. Maximum of $900 (not allowed in Colorado). $500 per year of maintenance agreement Tire & Wheel: Maximum of $600 Theft Protection: $400 Dent & Ding: Maximum of $300 Key Replacement: Maximum of $400 Platinum Bundle (Tire & Wheel, Dent & Ding, Windshield): Term Care/Term Protection: Maximum of $900 $600 per 24 mo term $800 per 36 mo term 0 per 48 mo term 0 Maximum Certified Pre-Own (CPO) Wrap: Maximum of $2,400 Life, Accident &Health: Acquisition Fee: As Limited by State Laws (LTV guideline must be adhered to) Product term cannot exceed term of loan $595, if capitalized. Non-Branded Backend Advance * 680+ < 680 Maximum Backend The greater of 15% or $3,000 Extended Warranty: The greater if 10% of invoice or $2,500 The greater of 10% of invoice or $2,300 GAP (Cannot exceed state limits): Excess Wear and Tear: Maximum of $850. Product term not to exceed term of loan (Approved GAP providers only in Colorado) Maximum of $600 (not allowed in Colorado). Tire & Wheel: $500 Pre-Paid Maintenance: Life, Accident &Health: Acquisition Fee: $300 per year of maintenance agreement As Limited by State Laws. Product term cannot exceed term of loan $595, if capitalized. *Advance Calculation: Retail New & Balloon are based on Invoice Price including TT&L; Lease is based on MSRP excluding TT&L; CPO is based on KBB/NADA/ Auction Block Ticket including TT&L. <580 LOW APR / CUSTOMER CHOICE FLAT FEE For Equus, Flat Fee of $ STANDARD FLAT FEE Based on Amount Financed Amount Financed $5,000 to $7,499 $7,500 to $9,999 $10,000 to $14,999 $15,000 to $19,999 20,000 to $24,999 $25,000 to $29,999 $30,000 and up Standard Flat $50 $75 $200 $250 $300

2 HMF Special Retail Effective as of July 7, 2016 Hyundai Motor Finance Special Retail Programs Details National Promotion Code RDR Instructions Vehicles Low APR (H700) and Customer Choice (H701). Finance Type = Loan ; Finance Program Type = Special Incentive New vehicles with less than 1,000 miles and New dealer demonstrators and Service Loaner vehicles with up to 6,000 miles. See HMF marketing program announcements for qualifying vehicles. Titled Service Loaners with less than 6,000 miles are eligible for Low APR and Lease programs in states which require Service Loaners to be titled Dealers Authorized Hyundai dealers that have executed a Dealer Retail Agreement with Hyundai Motor Finance. Dealer Participation Eligibility on Flat Fee Contracts No Dealer Participation allowed on any Low APR or Customer Choice contracts. Flat Fee Only For Equus, Flat Fee of $ Max Front-End Advance: Based on invoice including TT&L % % % % % % % % % <580 90% Max Back-End Advance: Based on invoice including TT&L. 680+: The greater of 18% or $5,000 With Hyundai Protection Plan TM For <680: The greater of 15% or $4,000 All other The greater of 15% or $3,000 Extended Service Contracts: Hyundai Protection Plan TM (HPP) service contract: the greater of 12% of factory invoice incl. freight or $3,000. Other service contracts: the greater of 10% of factory invoice including freight or $2,500 (<680 $1,800). For Louisiana: Greater of 10% of invoice or $2,000 for HPP and all other service contract products. Advance & Total Back End Limitations LA&H: As Limited by State Laws. GAP: Maximum of $900 for Hyundai Protection Plan TM or Power Protect R. (Product term cannot exceed term of finance contract) Maximum of $850 for all other GAP products. (Product term to not exceed term of finance contract) For Louisiana: $750 Maximum for all GAP products, including HPP. Cannot exceed state limits. For Colorado: Maximum of $300 or 2% of amount financed, whichever is greater. For Indiana: Maximum of $460 if amount financed is $53,000 or less. For New York: Dealer cost. For Texas: Maximum of 5% of amount financed. For Oregon: $479. For Nevada: 0-48 months = $285, months = $342, months = $412. For other Oregon and Nevada products: compliance with applicable filed rates. For Colorado: Approved GAP providers only. Cannot exceed state limits. Maintenance: $500 per year of maintenance agreement for HPP Pre-Paid Maintenance. For third-party providers $300 per year of Maintenance Agreement policy term. Exclusion: No backend advance will be permitted for any maintenance contract included in an Accent retail contract. Term Care: $600 per 24 mo term $800 per 36 mo term $1,000 per 48 mo term

3 HMF Special Retail Effective as of July 7, 2016 Hyundai Motor Finance Special Retail Programs Details National HMF Retail Programs may be combined with only ONE of the following: 1. HMA Valued Owner Coupons; or 2. HMA Competitive Owner Programs Compatibility HMA U.S. Military Incentives or HMF College Grad may be combined with HMF Retail Program either alone or in combination with ONE of the two programs listed above. Low APR (code H700): May be combined with HMA rebate. HMA Retail Bonus Cash is not compatible with HMF Low APR Programs. No other HMF or HMA consumer incentives or rebates may be combined with HMF Retail Programs. Hyundai Circle Plan E sales are NOT eligible for HMF Low APR and Customer Choice programs. HMF Bonus Cash Maximum APR Customer Credit Score Minimum Amount Financed Other HMF Bonus Cash is available only when financed through HMF (Retail Installment Contract). HMF Lease, Used and CPO programs are not eligible. HMF Bonus Cash will be paid with monthly dealer reserve statements. HMF Bonus Cash must be applied as a down payment to customer s purchase price and listed on the retail installment contract in the "Itemization of Amount Financed" section as a rebate. APR MAY NOT exceed state maximum rate. Customer Score will be determined by HMF primary credit bureau based on customer zip code. See HMF marketing program announcements for minimum score requirements. Minimum amount financed is $7,500 All customers must qualify under HMF complete credit guidelines. This guideline supersedes all previously announced HMF guidelines.

4 HMF Special Lease Hyundai Motor Finance Special Lease Programs Details Promotion Code RDR Instructions Vehicles H202 - Lease; H220 Single Pay Lease Finance Type = Lease ; Finance Program Type = Special Incentive New vehicles with less than 1,000 miles and New dealer demonstrators and Service Loaner vehicles with up to 6,000 miles. See HMF marketing program announcement for qualifying vehicles. Residual value must be reduced by 15 cents per mile for vehicle mileage in excess of 500 miles. Titled Service Loaners with less than 6,000 miles are eligible for low APR and lease programs for these states: AR, AZ, CA, CT, IA, MA, MI, MN, NJ, NY, OH, PA, RI, SD and VA, please enter as Demo on DealerTrack/RouteOne. Titled vehicles which are not eligible for HMF programs will be charged back for the amount of APR/Lease support.retail programs in states which require Service Loaners to be titled. Vehicle Programs: Dealer participation is available on all vehicle trims, terms, and credit tiers, except otherwise indicated on HMF marketing program announcements. Maximum Dealer Participation: All eligible Special Lease contract is above the HMF base lease money factor. Dealer Participation Flat Fee: A flat fee of will be paid on all Special Lease contracts written at the HMF published base lease money factor or, if the dealer markup produces an amount less than (For Equus Special Lease contracts a flat fee of $450). Participation: Paid according to Dealer Lease Sale Agreement. Dealer will be paid 75% of the lease money factor over the base lease money factor up to a maximum of The participation will be considered fully earned on the 180th day following the date HMF funded the lease contract provided the Lessee has performed in accordance with the terms of the lease contract. Max Front-end Advance: Based on MSRP excluding Tax, Title & License. Term < 580 <48 mo 130% 120% 120% 115% 110% 100% 100% 100% 100% 100% 48 mo 130% 120% 120% 110% 105% 95% 90% 85% 85% 80% Max Back-end Advance: Based on MSRP excluding Tax, Title & License. With Hyundai Protection Plan: 680+: the greater of 18% or $5,000 For <680, the greater of 15% or $4,000 All other: The greater of 15% or $3,000 Advance & Total Back End Limitations Acquisition fee: $595 Extended Service Contracts: HPP Extended Service Contract: Greater of 12% of MSRP or $3,000 Other Extended Service Contract: Greater of 10% of MSRP or $2,500 (<680 $2,300) Excess Wear and Use: Maximum of $900 for HPP coverage (not allowed in Colorado) Maximum of $600 all other Maintenance: $500 per year of maintenance agreement for HPP Pre-Paid Maintenance For third-party providers $300 per year of Maintenance Agreement policy term Term Care: $600 per 24 mo term $800 per 36 mo term $1,000 per 48 mo term $1,000 Maximum

5 HMF Special Lease Hyundai Motor Finance Special Lease Programs Details Gap Coverage HMF provides GAP waiver on all lease agreements. Please designate "N/A" on the lease contract. The HMF GAP Waiver Addendum must be completed and signed by customer as part of the lease documentation package except in CT and NY. HMF Lease Programs are only available on qualifying leases booked with HMF. HMF Lease Programs may be combined with only ONE of the following: 1. HMA Valued Owner Coupons; or 2. HMA Competitive Owner Programs Compatibility HMA U.S. Military Incentives or HMF College Grad may be combined with HMF Lease Programs either alone or in combination with ONE of the two programs listed above. No other HMF or HMA consumer incentives or rebates may be combined with HMF Lease Programs. Consumer Rebates, including HMA Retail Bonus Cash are not compatible with HMF Special Lease Programs. Hyundai Circle Plan E sales are NOT eligible for HMF Special Lease programs. Security Deposit $0.00 HMF Acquisition Fee $595 Maximum Tradein/Capitalized Cost Reduction Monthly Depreciation may not be less than $1.00. Leases with negative monthly depreciation will not be accepted by HMF. Early Termination & Disposition Fees $400 in all states subject to state law limitations in CO, IN, IA, KS, ME, OK, SC, WI, WV, & WY. CO, IA, KS, ME, OK, WV, & WY: The amount of 2 times the base monthly lease payment or $400, whichever is less. IN & SC: The amount of 3 times the base monthly lease payment or $400, whichever is less. WI: The amount of the base monthly lease payment or $400, whichever is less. Early Termination Fee for NY: $0 Excess Mileage Upfront: $.15 per mile At lease termination: $.20 per mile Residual value (including mileage adjustments) can never be less than 20% of the base MSRP. Late Fee The lesser of $20 or 10% of monthly payment EXCEPT: Colorado there is NO late fee. In New Hampshire, the late fee is limited to 5% of the unpaid portion of the periodic payment. CT, KS, LA, ME, MD, UT, & WI see preprinted late fees on LAW lease agreement. Purchase Option Fee None: Please input 0 on the contract. Lease Payment Due Dates The customer's first lease payment is due at lease inception. Subsequent payments are due on the monthly anniversary date of the lease agreement, except that lease agreements that fall on the 29th, 30th, or 31st, which will be due the 1st of each month.

6 HMF Special Lease Hyundai Motor Finance Special Lease Programs Details Insurance Requirements Insurance Verification and Acknowledgement Form (IVAF) - must be completed and signed by both the customer and the dealership. By signing this both the customer and dealership acknowledge that HMF's minimum requirements of,000/$300,000/$500,000 are met. Hyundai Lease Titling Trust must be listed as loss payee and additional insured on the policy. The IVAF is required for all lease contracts. Accepted Contracts LAW lease documents have been created by the Consumer Credit Compliance Company (CCCC) and have been printed by Reynolds & Reynolds Company. Please call your respective DFM to order forms. HMF will only accept these forms. Lease Paperwork Please refer to Dealer Access to obtain funding forms and checklists. They can be found under Credit/Funding and Forms/Contracts tabs. For Quicker Funding Please include the Lease Agreement, Credit Application, Vehicle Invoice, IVAF, and Title Application in the funding package for prompt funding review. Please refer to the Lease Funding Checklist. For Quicker Decision Time Please include the payment amount, MSRP, invoice, and model and trim package on your lease applications and in DealerTrack/RouteOne to accelerate decision time. Please follow lease insurance verification procedures above. Dealer invoice amounts include freight, and are as published HMA s Pricing Guides (includes flooring & holdback) Other Total Net Cap Cost and base monthly payment as shown on HMF marketing program announcement (Feature Lease Payment Details) does not include Tax, License, Registration, Options, and the like. All Special HMF Lease programs are based on 12,000 miles residuals. Deduct 2% for 15,000 mile leases. FUNDING NOTE Like-Kind Exchange HMA will not be paying the Rebate Amount on Special HMF Leases. HMF Lease Cash will be added to dealer proceeds at the time of funding. HMF Lease Cash must be listed on the lease contract in the "How the Amount Due at Lease Signing or Delivery will be paid" included in the "Rebates and noncash credits". Notice is hereby given that the rights, but not the obligations, of Hyundai Lease Titling Trust ( HLTT ) to purchase vehicles subject to lease have been assigned to HCA Exchange, Inc. and the rights, but not the obligations, arising from the sale of such vehicle to the dealer have been assigned to HCA Exchange, Inc. pursuant to an agreement between HLTT and HCA Exchange, Inc.

7 HMF Special Balloon Hyundai Motor Finance Special Balloon Programs Details Promotion Code H302 & H303; Please include model number in DealerTrack/RouteOne comments field. RDR Instructions States Program Requirements: Vehicles Finance Type = Loan ; Finance Program Type = Special Incentive South Central Region States (Alabama, Arkansas, Florida, Kansas, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, Tennessee and Texas), and California. Customer must qualify via established HMF credit guidelines. New vehicles with less than 1,000 miles and New dealer demonstrators and Service Loaner vehicles with up to 6,000 miles. See HMF marketing bulletins for qualifying vehicles. Balloon amount must be reduced by 15 cents per mile for vehicle mileage in excess of 500 miles. Titled Service Loaners with less than 6,000 miles are eligible for Retail programs in states: AR, AZ, CA, CT, IA, MA, MN, NJ, NY, OH, PA, RI, SD and VA, please enter as Demo on DealerTrack/RouteOne. Titled vehicles which are not eligible for HMF programs will be charged back for the amount of APR/Lease support. Max Front-end Advance: Based on invoice including tax, title & license % % % % % % % % Max Back-End Advance: Based on invoice including tax, title & license. For 680+, the greater of 18% or $5,000 With Hyundai Protection Plan TM For <680, the greater of 15% or $4,000 All other The greater of 15% or $3,000 Extended Service Contracts: Hyundai Protection Plan TM (HPP) service contract: the greater of 12% of factory invoice incl. freight or $3,000. Other service contracts: the greater of 10% of factory invoice including freight or $2,500 (<680 $2,300). Advance & Total Back End Limitations Excess Wear and Use: Maximum of $900 for HPP coverage (not allowed in Colorado) Maximum of $600 all other LA&H: As Limited by State Laws GAP: Maximum of $900 for Hyundai Protection Plan TM or Power Protect R only (Product term cannot exceed term of finance contract) Maximum of $850 for all other GAP products (Product term cannot exceed term of finance contract) For Louisiana: $750 Maximum for all GAP products, including HPP. Cannot exceed state limits. For Texas: Maximum of 5% of amount financed. Maintenance: $500 per year of HPP Maintenance Agreement policy term For third-party providers $300 per year of Maintenance Agreement policy Dealer Participation And Flat Fee Term Care: $600 per 24 mo term $800 per 36 mo term $1,000 per 48 mo term $1,000 Maximum Dealer participation is available on all models. HMF will pay a standard flat fee for contracts written at buy rate, or qualifying vehicle participation, whichever is greater. See program announcement for details.

8 HMF Special Balloon Hyundai Motor Finance Special Balloon Programs Details Insurance Requirements Collision, comprehensive and public liability coverage is required on all vehicles. Acceptable deductibles are: Collision $1,000, Comprehensive $1,000. HMF Balloon Programs may be combined with only ONE of the following: 1. HMA Valued Owner Coupons; or 2. HMA Competitive Owner Programs Compatibility HMA U.S. Military Incentives or HMF College Grad may be combined with HMF Balloon Programs either alone or in combination with ONE of the two programs listed above. No other HMF or HMA consumer incentives or rebates may be combined with HMF Balloon Programs. Consumer rebate may not be combined with HMF Special Balloon Programs. Hyundai Circle Plan E sales are NOT eligible for HMF Special Balloon programs. Balloon (Final Payment Percentage) The balloon (final payment percentage) is the same as program residual value percentages (See HMF program announcement for details). The balloon amount may not exceed the amount financed. Disposition Fee $400 in all states subject to state law limitations in KS and OK. KS and OK: The amount of 2 times the base monthly lease payment or $400, whichever is less. Refinance Fee $250; This fee may not be charged in Alabama, Florida, Illinois, Indiana, Mississippi, Missouri, New Mexico, Oklahoma and Texas. Excess mileage will be charged at a rate of $.20 per mile. Excess Mileage Adjustment No excess mileage charges if the vehicle is sold back to HMF at the end of the 36-month term balloon contract and the total allowable mileage on the vehicle does not exceed as follows: for 12,000 miles/year contracts = 36,000 total allowable mileage and for 15,000 miles/year contracts = 45,000 total allowable mileage. The total allowable mileage must be entered into section 2c of Form No. HYU-BALL-ADD-TX 3/10 (For Texas) or Form No. HYU-BALL-ADD 2/10 (Other States as described in these guidelines). 15,000 mi/yr For contracts written with 15,000 miles per year, decrease balloon percentage by 2%. Payment Dates Up to 45 days to first payment due from contract date. Monthly statements will be issued to the customer. NO DUE DATE CHANGES. Customer Options at Balloon Maturity Date 1. Pay the balloon amount, plus any past due payments, late charges, and /or other amounts due under the contract and keep the vehicle. 2. If the account is not in default, the balloon amount may be refinanced through HMF. The customer must pay a onetime refinance fee of $250 at the time of refinancing, except in AL, KS, OK, and TX. 3. In lieu of paying the balloon amount, return vehicle in good condition to a Hyundai dealer with title documents and pay all amounts due under the contract, including any past due payments, late charges, $400 disposition fee (subject to state law limitations in KS and OK), excess wear & use and /or excess mileage. HMF only accepts the approved Reynolds & Reynolds LAW retail contract form for each of the South Central ( SC ) Regional states plus the following Balloon Addendums: Accepted Contracts and Balloon Addenda Texas: Form No. HYU-BALL-ADD-TX 3/10 All other SC regional states, except Texas: Form no. HYU-BALL-ADD 2/10 CA: Form No. HYU-CA-BALL-ADD 3/16 Both the approved state retail contract and the applicable Balloon Addendum must be completed, signed by the customer and dealer, and included in the funding package. HMF will only accept these forms. No handwritten contracts will be accepted.

9 HMF Special Balloon Hyundai Motor Finance Special Balloon Programs Details Origination Support Other Amount of origination support must be shown on the retail installment contract as manufacturer s rebate (if applicable). Origination support will be paid on Dealer Reserve Statement. All other Retail Program parameters apply.

10 Certified Pre-Owned (CPO) Low APR National Promotion Code Select H802 Certified Pre-Owned Vehicles All Hyundai dealers that are enrolled for Hyundai CPO program and have executed a Dealer Retail Agreement with HMF. Maximum front end advance: based off of NADA, KBB wholesale value; Tax, Title & License is included in front-end advance. If vehicle is purchased from HMA/HMF at auction, advance will be based off of Auction Block Ticket % % % % % % % Max back end advance: based off of NADA, KBB wholesale value, adjusted for miles % % < % With Hyundai Protection Plan TM All other 680+: 15% or $5,000, whichever is greater. <680: 15% or $4,000, whichever is greater. All s: 15% or $3,000, whichever is greater. Extended Service Contracts: Hyundai Protection Plan (HPP) Vehicle Service Contract: the greater of 12% or $3,000. Other service contracts: the greater of 10% or $2,500 (<680 $1,800) For Louisiana: the greater of 10% or $2,000 for HPP and all other vehicle service contracts. LA&H: as limited by State Laws. Advance Guidelines GAP: Maximum of $900 for Hyundai Protection Plan TM and Power Protect R GAP products. (Product term cannot exceed term of finance contract) Maximum of $850 for all other GAP products. (Product term cannot exceed term of finance contract) For Louisiana: $750 Maximum for all GAP products, including Hyundai Protection Plan TM and Power Protect R GAP products. Cannot exceed state limits. For Colorado: Maximum of $300 or 2% of amount financed, whichever is greater. For Indiana: Maximum of $460 if amount financed is $53,000 or less. For New York: Dealer cost. For Texas: Maximum of 5% of amount financed. For Oregon: HPP retail cost = $479. For Nevada: HPP retail cost 0-48 months = $285, months = $342, months = $412. For other Oregon and Nevada products: compliance with applicable filed rates. For Colorado: Approved GAP providers only. Cannot exceed state limits. Maintenance: HPP: $500 per year of Maintenance Agreement policy term. Third-party providers: $300 per year of Maintenance Agreement policy term Term Care: $600 per 24 mo term $800 per 36 mo term $1,000 per 48 mo term $1,000 maximum CPO Wrap: HPP maximum of $2,400 Flat Fee Maximum Mileage Other Requirements Flat fee only. No dealer participation allowed Less than 60,000 miles at inception Must be a Hyundai Certified Pre-Owned (CPO) vehicle

11 HMF First Time Buyer* Program Available on all new Accent, Veloster, Elantra, Elantra Coupe, Elantra GT, Sonata & Sonata Hybrid - National Promotion Code Vehicles Select promotion code 744. Select program First Time Buyer. New and untitled 2016 and newer Accent, Veloster, Elantra, Elantra Coupe, Elantra GT, Sonata & Sonata Hybrid vehicles, including demonstrators and Service Loaner vehicles with less than 6,000 miles. * First Time Buyer means applicant has no previous automotive secured loan/credit tradeline on his/her credit report. First automotive secured loan or credit transaction. Minimum six months on current job or qualified co-buyer. Program Parameters First Time Buyer Rates Advance <60 Months 72 Months Up to 70% 7.99% 8.99% 71% - 80% 8.99% 9.99% 81% - 100% 9.99% 10.99% Up to 100% Advance. Up to 72 months maximum term. Excludes credit tiers 7 & 8 for terms greater than 60 months. Minimum of $1,000 total down payment required (Total down payment may include rebate cash). No adverse credit history. No bankruptcies, foreclosures, repossessions, collection accounts, charge-offs, tax liens, judgments, or any other delinquent credit. Credit Requirements Dealer Flat Fee Verifiable (paystub, W-2, etc.) monthly income sufficient to cover vehicle payment, ordinary living expenses, and all currently outstanding debt, if any. Payment to applicant s gross income from primary job cannot exceed 15%. Total monthly debt to monthly income ratio of 50% or less. Total monthly debt includes, if applicable: monthly vehicle payment, monthly rent or mortgage payments, other monthly payment obligations (installment loans, revolving loans, alimony or support payment, etc). Subject to additional HMF credit guidelines. HMF will pay a dealer flat fee for each qualified contract. No dealer participation is allowed.

12 HMF College Graduate Program National Program Code Special Instructions Vehicles Programs Please select College Graduate in Program Code Field in order to receive proper program approval. Credit Application Please indicate College Grad on the top right corner of each application. New and untitled 2016 and newer Hyundai vehicles, including demonstrators and Service Loaner vehicles with less than 6,000 miles. Compatible with all standard and special programs including Special Lease. Please refer to standard or special program bulletins for Rates & Terms. Customer Eligibility students must be within six (6) months prior to graduation or up to twenty-four (24) months after graduation from an accredited four-year college or university, nursing school, an accredited two-year college, or an accredited masters or doctorate program in the United States. Must be currently employed or have verifiable proof of employment to begin within 90 days of approval and meet minimum income and payment-to-income requirements. HMF Rebate $400 HMF College Graduate Rebate is available with all new Hyundai Vehicles only if the customer is financing with HMF using the College Graduate Program. The $400 HMF rebate must be applied as a down payment and listed on the retail installment contract in the Itemization of Amount Financed section as a manufacturer s rebate. This HMF College Graduate Rebate is in addition to HMA rebates. HMF $400 rebate will be paid to the dealer monthly by HMF. Rebate will not be paid if application is not submitted as college graduate program in DealerTrack/RouteOne and proper documentation is not submitted prior to funding. Term Credit Requirements Up to 72 months No adverse credit history. No bankruptcies, foreclosures, repossessions, collection accounts, charge-offs, tax liens, judgments, or any other delinquent credit. Monthly payment to Applicant s gross income ratio cannot exceed 20% Gross monthly income from the applicant s combined income sources must be greater than or equal to $2,000 per calendar month. Program Parameters Down Payment No down payment required. 90 Days to First Payment - First monthly payment will be due up to 90 days from the contract date, subsequent payments will be made on the monthly due date. Interest is assessed from contract date. 90 Days to First Payment is not available in the states of Connecticut or Pennsylvania. 90 Days to First Payment is available for standard program. Program Advance: Please refer to standard or special program bulletins for advance guidelines. Rate Participation Please refer to standard or special program bulletins for participation rules. Required Documentation Copy of HMF College Graduate Program approval. Signed HMF Consent to Release of Enrollment & Degree Information. Vehicle Factory Invoice. Copy of valid HMF Contract. Proof of Collision Insurance is required. Current YTD proof of income OR verifiable proof of employment to begin within 90 days of approval. Copy of the graduate s diploma or letter from the college or university registrar s office including the date and type of the degree. All documentation must be included in the documentation package and sent to HMF Funding Department prior to contract funding. HMF reserves the right to return any contract on which program requirements (including degree) cannot be verified.

13 HMF Dealer Installed Options (DIO) National Programs All Special Lease and Balloon promotions. DIO Maximum The combined total of all DIO added to MSRP may not exceed $600. Special Instructions All DIO must be documented with a work order, including the part name and number, and then submitted at the time of funding. Program Parameters EC Mirror with Compass & Homelink Remote Engine Start Rear Spoiler Roof Rack Cross Rails Body Kit MSRP: $200 $200 $300 Accent n/a n/a n/a Elantra Sedan n/a Elantra GT n/a n/a Elantra Coupe n/a n/a Veloster n/a n/a n/a Sonata n/a n/a Genesis Coupe n/a n/a n/a Santa Fe Sport n/a n/a Santa Fe n/a n/a Tucson n/a Add DIO price to base vehicle s MSRP before calculating residual value and advance. DIO that are not listed on the table above cannot be residualized.