Even Financial, Inc.www.evenfinancial.com 43 West 24th Street, 6th Floor, New York, NY 10010

© 2019 Even Financial, Inc. 1

Even Pre-Select Instructions - Credit Cards VerticalPartners have the ability to enable users to receive pre-selected offers by adding an additional query parameter. Pre-selection is similar to pre-qualification with one big difference – the soft credit pull and decisioning happens within the Even ecosystem instead of inside an individual issuer’s system. Users must still be approved by the issuer to receive the offer.

Credit Card Pre-Select Experience for the UserA consumer can be pre-selected for a credit card offer if they match an issuer’s target criteria. If a consumer is pre-selected for a credit card offer, they will see a “Pre-Selected” banner on that offer:

Clicking on the “Pre-Selected” banner will open the Additional Details modal for that offer, which now includes a consumer-friendly explanation for what it means to be pre-selected for an offer:

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Even Financial, Inc.www.evenfinancial.com 43 West 24th Street, 6th Floor, New York, NY 10010

© 2019 Even Financial, Inc. 2

If a consumer is instead pre-approved or pre-qualified for a credit card offer, a similar explanation of the relevant concept will appear in this modal instead.

Rate Table SortingPre-Selected vs. Pre-Approved

These terms indicate different degrees of the “firmness” of an offer.

Pre-Approval: If a consumer is pre-approved, they are on a list that the issuer has already constructed of consumers that are likely to be approved. This connotes a 90+% chance of approval for a consumer when they submit an application with the issuer.

Pre-Selected: Pre-selection is similar to pre-qualification with one big difference – the soft credit pull and decisioning happens within the Even ecosystem instead of inside an individual issuer’s system.

Since pre-approved offers carry the highest likelihood of approval, they will always appear first in a rate table that also carries pre-selected offers. If you are not pre-selected or approved, you will see static, non-personalized offers.

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