JUBILEE FINANCE LLC

Consumer Credit Report Disclosure and Authorization

IMPORTANT NOTICE — PLEASE READ BEFORE SIGNING

By signing below, I authorize Jubilee Finance LLC (“Jubilee Finance”) to obtain and review my consumer credit report, credit score, and related credit information from one or more consumer reporting agencies, including Equifax, Experian, TransUnion, or other authorized consumer reporting agencies, for the purpose of evaluating my application for credit or financing.

Purpose of Authorization

I understand and agree that Jubilee Finance may use my consumer credit information for the following purposes, to the extent permitted by applicable law:

Evaluating my creditworthiness and determining my eligibility for requested financing.
Verifying information provided in my credit application.
Determining applicable credit terms, including loan amount, interest rate, repayment terms, and other financing conditions.
Reviewing or servicing a credit account established with Jubilee Finance, including account administration, fraud prevention, and collection activities where legally permitted.

Credit Inquiry Disclosure

I understand that obtaining my consumer credit report may result in a hard inquiry appearing on my credit history and may affect my credit score.

I acknowledge that authorization to obtain my credit report does not guarantee approval of financing or any particular loan terms.

Privacy and Use of Information

Jubilee Finance will use information obtained from my consumer credit report only for legally permissible purposes and will maintain appropriate safeguards to protect my personal and financial information.

Information may be disclosed to authorized service providers or other parties only as permitted by applicable federal and state law and Jubilee Finance's applicable privacy notices.

Consumer Rights

I understand that:

I have the right to dispute inaccurate or incomplete information contained in my consumer credit report with the consumer reporting agency.
I may obtain copies of my consumer credit reports directly from consumer reporting agencies, subject to applicable law.
I may place or maintain a security freeze on my credit file. If a freeze prevents access to my credit report, I may need to contact the consumer reporting agency to temporarily lift the freeze before my application can be processed.
If adverse action is taken based in whole or in part on information in my consumer credit report, I will receive any notices required by applicable law.

Authorization and Acknowledgment

By signing below, I certify that I am the individual identified in the associated credit application and that the information I have provided is accurate to the best of my knowledge.

I voluntarily authorize Jubilee Finance LLC to obtain and use my consumer credit report and related credit information for the purposes described above, consistent with the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq., and applicable laws of Tennessee, Mississippi, and Arkansas.

This authorization applies to my present financing application. Any subsequent credit report obtained for an existing account must have an independently valid permissible purpose under applicable law.