SUMMARY

You believe the information on this application is correct.
You authorize AutoFi to share your information with Deharo Motors in order to help you apply for financing.
You consent to enter into the transaction electronically and receive notices electronically.
When you submit, you authorize an inquiry into your credit history by Deharo Motors and its lenders.
Credit Application Additional Disclosures
For All Applicants
Everything that you have stated in this application is correct to the best of your knowledge.
You are of legal age to enter into a contract.

You authorize the dealer and any finance company, bank, or other financial institution to which the dealer submits your application (“Creditor” or “we” or “us” or “our”) to obtain your credit report and employment history in connection with this application, and to provide and/or obtain information about our credit experience with you.

You must have physical damage insurance covering loss or damage to the vehicle for the term of any financing. You have the option to select an insurance agent or broker of your choice, whether or not affiliated with the Creditor. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the finance requirements or the insurance company does not satisfy the reasonable standards of the Creditor.

You agree that we, our affiliates, agents and service providers may monitor and record telephone calls regarding your account to assure the quality of our service or for other reasons. You also expressly consent and agree to us, our affiliates, agents and service providers using written, electronic or verbal means to contact you. This consent includes, but is not limited to, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails and/or automatic telephone dialing systems. You agree that we, our affiliates, agents and service providers may do so using any e-mail address or any telephone number you provide, now or in the future, including a number for a cellular phone or other wireless device, regardless of whether you incur charges as a result.

Important information about procedures for applying 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 to you: When you apply for or open an account, we will ask for your
name, address, date of birth and other information that will allow us to identify you.
If you receive and accept a financing offer, generally the dealer will be the initial creditor under the financing contract and the dealer's financing partner will assume the contract as assignee. In certain auto purchases through Arkansas and Ohio dealers, your financing
agreement may be directly with the financing partner.
For California Applicants
Married individuals may apply for separate accounts.

For Maine Applicants
If your credit application is approved and you finance the purchase of your motor vehicle through Creditor, you will be required to insure the vehicle against loss or damage. Creditor requires collision coverage and comprehensive coverage or fire and theft coverage. In addition, if this application is for a lease, Creditor will also require you to obtain liability insurance.

You have the option to select an agent or broker of your choice, whether or not affiliated with Creditor. Obtaining insurance from a particular agent or broker does not affect credit decisions by Creditor, unless the insurance product selected violates the terms of your contract for the purchase or lease of the motor vehicle.

For New Hampshire Applicants
You acknowledge receipt of a true and completely filled in copy of the credit application form at the time of signing. If you are applying for a balloon payment contract, you are entitled, if you ask, to receive a written estimate of the monthly payment amount for refinancing the balloon payment in accord with the creditor’s existing refinance programs. You would be entitled to receive the estimate before you enter into the balloon payment contract. A balloon payment contract is an installment sale contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.

For New York Applicants
A consumer report may be requested in connection with your application for credit. Upon your request, we will tell you whether or not the consumer report was requested and give you the name and address of the consumer reporting agency that furnished the report. If your application is granted, subsequent consumer reports may be obtained in connection with any update, extension or renewal of credit.

For Ohio Applicants
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.

For Rhode Island
Applicants Credit reports may be obtained in connection with your application.

For Tennessee Applicants
You must maintain insurance as described in the contract. You may purchase this insurance from anyone you choose. Your choice of insurance provider will not affect the credit decision or credit terms in any way, except that Creditor may impose reasonable standards for the creditworthiness of the insurer or the scope of coverage chosen.

For Vermont Applicants
You consent to Creditor obtaining a credit report for the purposes of evaluating this application and to obtain subsequent credit reports, in connection with this transaction, for the purpose of reviewing the account, taking collection action on the account, or for any other legitimate purpose associated with the account.

For Wisconsin Applicants
Wisconsin law provides that no provision of a marital property agreement, a unilateral statement under the marital property law, or a court decree, will adversely affect a Creditor’s interests unless the Creditor, prior to the time the credit is granted, is furnished with a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the debt to the Creditor is incurred. If you are making this application individually and not jointly with your spouse, you understand that Wisconsin law requires that your spouse be given notice of this credit obligation.

By clicking "Submit Application" below, you consent to the above, including any applicable state-specific disclosures.

Electronic Record and Signature Disclosure and Consent
Please read this Electronic Record and Signature Disclosure and Consent, which we refer to as our E-sign consent, carefully and print or otherwise keep a copy for your records. In order to conduct your credit transaction electronically, federal law requires that you affirmatively consent to enter into the transaction electronically and receive notices electronically.

By clicking "Submit Application" below, you are agreeing to enter into your credit transaction, and receive required notices and disclosures, electronically to the extent not prohibited by applicable law. Your consent will apply to the dealer and any finance company, bank, or other financial institution to which the dealer submits your application (“Creditor”). The words “we,” “us,” or “our” refer to the Creditor. Described below are the terms and conditions for providing notices, disclosures, and any other documents related to your credit transaction (collectively, "Documents") to you electronically, to the extent permitted by applicable law.

Agreeing to accept Documents electronically means that once we present them to you and, if required, you accept them, they will apply to you and your relationship with us. It also means that we may not mail you copies of Documents that are provided electronically. Accordingly, you should print or otherwise retain a copy for the Documents you receive electronically.

We may, at our discretion, make electronic disclosures to you or we may choose to send paper copies of disclosures to you even though we have made or could have made them available to you electronically.

Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to these terms and conditions, please confirm your agreement by clicking the "Submit Application" button.

Paper Delivery of Documents
For your financing with Deharo Motors, you will receive paper copies of your Documents at the dealer.

For any Documents you e-sign through AutoFi, at any time, you may request from us a paper copy of any record we provided or made available electronically to you. To receive a paper copy, see How to Contact Us below with your name and mailing address. Be sure to state that you are requesting a copy of the Documents.

System Access Requirements
To access our system, you must have the following equipment and software:

A personal computer or other device which is capable of accessing the Internet. Your access to this page verifies that your system/device meets these requirements.
One of the Internet web browsers listed below.

Software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe® Acrobat Reader® version 8.0 and above (download at http://www.adobe.com/products/acrobat/readstep2.html). This E-sign consent and the Documents are both provided to you in PDF; therefore, your access to this page from your own system/device verifies that your system/device has the necessary software to permit you to receive and access PDF files.

A valid email address.
Internet Browsers
Desktop or Tablet:
Internet Explorer (Windows Only) 9.0 or above
Windows Edge Current Version
Mozilla Firefox Current Version
Safari (Mac OS Only) 6.2 or above
Google Chrome Current Version
Note: Pre-release (e.g., beta) versions of operating systems and browsers are not supported.
Mobile:
Apple iOS 7.0 or above
Android 4.0 or above
System Requirements to Retain Documents
For your financing with Deharo Motors, you will sign and receive paper copies of your Documents at the dealer.

For any Documents you e-sign through AutoFi, if you have a valid email address, a link to download a copy of the Documents will be provided to you upon execution by email in the form of a PDF attachment. A copy of the Documents also will be made available to you upon execution by your accessing a secure webpage at https://autofi-loanapp-uat.herokuapp.com/t2/wCkbRkVkq. To retain a copy of the Documents, you may choose to print them, save them or both. In order to print them, you must have a functioning printer connected to your personal computing device. If you wish to retain an electronic version of the Documents, you must have a personal computing device with the hardware and software necessary to download and store PDF files.

System Enhancements
If the system requirements for accessing your Documents on the secure webpage change so as to require different or additional hardware or software, or upgrades, plug-ins or enhancements to the hardware or software used by you (all such changes referred to as a “Systems Enhancement”), we will notify you and you may either withdraw your consent or upgrade your hardware and/or software as required by the Systems Enhancement. If we determine that the need for a Systems Enhancement creates a material risk that you may not be able to access or retain the Documents electronically, we will notify you and allow you to either: (a) withdraw your consent or (b) re-confirm your consent to receive the Documents in a manner that reasonably demonstrates that you have upgraded your hardware or software to conform to the required Systems Enhancement. If you choose to withdraw your consent, or you fail to re-confirm your consent (which we will treat as your withdrawal of consent), you will no longer receive Documents electronically and we will send all future Documents to you in paper form.

Withdrawal of Electronic Acceptance of Documents
For your financing with Deharo Motors, you will sign and receive paper copies of your Documents at the dealer.

For any Documents you e-sign through AutoFi, if you decide to receive Documents from us electronically, you may change your mind at any time and tell us you want to receive all future Documents, if any, in paper format. There are no fees for withdrawal of your consent. If you withdraw your consent, we will send all future Documents (if any) to you in paper form. If you decide to withdraw your consent, the withdrawal will not affect the legal effectiveness, validity, and enforceability of prior electronic Documents. Your withdrawal of your consent will be effective within a reasonable period of time following our receipt thereof to allow for time to process your request.

To withdraw your consent to receive electronic Documents, see How to Contact Us below.

Changing your Email Address
It is important that you keep your email address current with us. Therefore, please notify us immediately at the address and/or telephone number set forth above if you change your email address. We may treat your failure to provide us with a valid email address, or the malfunction of the email address we have for you, as a withdrawal of your consent to receive Documents electronically.

Right to Discontinue Electronic Provision of Documents
We reserve the right, in our sole discretion, to stop providing Documents electronically. We will provide you with notice of any such termination as required by applicable law. If we choose to stop providing Documents electronically, we will send all future Documents (if any) to you in paper form.

How to Contact Us
You may contact us to change your contact information, request paper copies of Documents, or withdraw your prior consent to receive Documents electronically through any of the following means:
By email: support@autofi.com
By Phone: (888) 447-9360
By mail: 444 De Haro St, Suite 220, San Francisco, CA 94107

Be sure you provide your name and mailing address and state that you are requesting a copy of the Documents.

By clicking "Submit Application" below, you:
consent to the Credit Application disclosures above, including any applicable state- specific disclosures;
acknowledge your receipt and review of the foregoing E-sign Consent;
give your affirmative consent to the use of electronic records and signatures in this transaction, including the use of electronic Documents as described above;
and confirm that your computer or access device satisfies the hardware and software requirements needed to access and retain the Documents that will be provided to you in electronic form, including through use of a valid email address to access the Documents as an attachment in portable document file (PDF) format and/or by logging in to our secure webpage to access the Documents in PDF format.

If you do not click "Submit Application", you are not consenting to our providing electronic Documents to you as described above, and you are terminating your transaction with us.