funding checklist - dealer car search

FUNDING CHECKLIST

Phone: 712-258-0269 Fax: 712-224-5165 Email: [email protected]

Toll Free: 844-283-7483

Application Number: Dealership:

Buyer: Co-Buyer:

All required documents must be included at the time the contract package is submitted. Packages containing inaccurate

or incomplete documents will be placed on hold and verification delayed. Verification will resume once corrected

documents are received. If documents are not corrected within 5 days the package will be returned.

Please complete the checklist, and send with funding packet to: U Drive Acceptance Corp

Attn: Funding

For questions please contact our funding team at: 1119 4th St Suite #102

Toll Free (844)-283-7483 or [email protected] Sioux City, IA 51101

# Required Documents x

1 U Drive Funding Checklist This form completed and signed by dealer representative preparing funding packet

2 Approval Form Copy of approval callback

Original required; must be assigned to U Drive Acceptance Corp

Note: Any contract packages with deferred down payments will be returned immediately.

Federal Notice to Co-signer required in all states -- State Specific Notice to Co-signer

5 Consent and Authorization Form Required to complete employment verification

6 Bookout Sheet Accurately reflecting all vehicle options

7 Buyer's Order / Bill of Sale Copy must be signed by all buyers

U Drive Acceptance Corp, PO Box 3107, Sioux City, IA 51102 (No Branded Title Allowed)

9 Odometer Disclosure Odometer reading as verified on disclosure must be consistent on all applicable documents

10 Credit Application Required to be completed by each applicant, must be original, completed, and signed

11 Vehicle Service and GAP Contracts Original document; i.e., ValueGuard Service Contract, GAP

12 Driver's License Valid copy of in state license required for each applicant

W-2 employee: Two most recent computer generated pay stub within 30 days of contract

Proof of Income 1099 employee: Six most recent consecutive months complete personal bank statements

& Down Payment Decision Logic for 1099 Buyers Proof of full down payment needed prior to funding

Fixed income employee: Proof of Eligibility (Award / Benefits letter) and Proof of Deposits

Proof of full down payment required (Complete bank statements or copies of cancelled checks or state / federal statements

prior to funding reflecting payment for the most recent consecutive three months of receipt)

Two documents within 30 days of contract date matching the contracted applicant name

& address -Utility/ cable bill/ bank statement/ credit card statement/ valid driver's license

Direct Landlord Contact Landlord Name:

Required for all non-homeowners Landlord Phone Number: ______________________________________

Proof of Insurance/ Insurance Binder/ Declaration page listing

Agreement to Provide Insurance contracted vehicle with Loss Payee: U Drive Acceptance Corp

(U Drive Listed as additional PO Box 3107

insured, $500 max deductible) Sioux City, IA 51102

17 Physical Damage Insurance Requirement Completed and Signed by the Borrower and Co-Signor

18 Reference Sheet Five references including: Name, relationship, address, and unique contact number for each

19 ACH Authorization Form Authorization to set up automatic payments from Savings or Checking Account

20 Valid Email Address Buyer's Email Address:

21 U Drive Specific Documents

22 Notice of Lein/Guarantee of Title NOL (MO & AR) Guarantee of Title for all other states

23 GPS Disclosure (if applicable) Shipped with GPS Unit

All Job Time, Residence Time, Income and Book Value Must Verify as stated on the application at time of funding.

Representative from dealership who prepared funding package:

Dealership Contact Signature: Contact Name:

Dealership Phone Number: Contact Phone Number:

Internal Use Only Date Received: Dealer Hold:Yes____ No____

Related Document Notes

Retail Installment Contract3

13

4 Notice to Co-signer (if applicable)

Contracted structure must match approval; All signatures for Buyer(s) and Sellers must be present; Names on

legal documents must match the name as it appears on the driver's license.

45 Day Guarantee of Title; Assignment Agreement; Customer Delivery Notice;

Customer Privacy Notice; Customer Power of Attorney; Mobile Alerts Form

16

8 Title Application / Proof of Title

14 Proof of Residence

15

U Drive Acceptance Corp | www.udriveac.com | P 712.258.0269 | F 712.224.5165

U Drive Acceptance Corp

1119 4th Street, Ste 102

Sioux City, IA 51101

Consent and Authorization Form

Residence Verification

In connection with my credit application submitted to U Drive Acceptance Corp and/or any of its

affiliates, or in connection with my retail installment contract, the undersigned hereby consents and

authorizes any person, entity, current employer, future employer, prior employer, and all others to

release and/or disclose personal information, employment information and/or credit information

concerning the undersigned. I also hereby permit U Drive Acceptance Corp to authenticate and confirm

valid residential information including but not limited to Landlord name, number, leasing terms &

conditions. U Drive Acceptance Corp is permitted to contact all required parties to verify residence.

I hereby release any such person, entity, current employer, prior employer, and all others from

any and all liability that may result in furnishing the information. I also release U Drive Acceptance Corp

and any person, entity, current employer, prior employer, and all others from any obligation to provide

the undersigned with written notification of such release and/or disclosure of such information.

I also consent to and authorize U Drive Acceptance Corp use of all original or copies of this

executed form as valid consent and authorization.

My signature below certifies that I have read, that I understand, and that I have voluntarily

executed this form.

Buyer Full Name:

Buyer Signature:

Date:

CoBuyer Full Name:

CoBuyer Signature:

Date:

http://www.udriveac.com/

City: State: ZIP:


D: ADDRESS: U Drive Acceptance Corp 1119 4th Street Ste 102 Sioux City, IA 51101

U Drive Acceptance Corp 1119 4th Street Ste 102 Sioux City, IA 51101 712.258.0269 712.224.5165

Buyer Co-Buyer

______________________________ Printed Name

______________________________ Signature

Date:____________________

____________________________ Printed Name

____________________________ Signature

Date:____________________

Stay on top of your account by signing up for U Drive Mobile Alerts!

______________________________________________

U Drive provides a variety of ways to get a hold of us, to get up-to-date account information, to make yourpayment, receive friendly payment reminders, and gain access to various offers. We make it easy by usingcontact information already provided on the application to keep in touch with you and provide you withthe best possible customer experience.

I authorize U Drive Acceptance Corp (“U Drive”) to contact me concerning my account (following assignment of my contract by the dealer to U Drive) at any telephone number or email address associatedwith my account, including by use of an autodialer or predictive dialer. I will notify U Drive if my cell phone number or e-mail address changes and this authorization will continue to apply.

I understand: my wireless provider may charge me for messages; I am not required to provide this authorization and I am doing so voluntarily; I may cancel this authorization at any time by calling or writing to U Drive at the phone number or address provided above; and I will receive a copy of this authorizationfor my records.

U Drive Acceptance Corp • 1119 4th Street Ste 102 • Sioux City, IA 51101 • P: 712.258.0269 • F: 712.224.5165

� No thanks! I prefer not to receive offers and reminders via text, email or autodialer.


AC

Lender satisfactory proof that Lender’s first priority security interest in the below identified vehicle istimely perfected, by providing Lender the original certificate of title listing Lender as the lienholder, and is not avoidable by any party or entity, including, without limitations, a trustee in a bankruptcy proceeding

d above repurchase the associated Contract and

Dealer further agrees that if Dealer fails to

comply with the repurchase demand as set forth above, Lender may obtain the certificate of title by any alternative means, may sell the vehicle and still hold Dealer responsible for the full amount of the repurchase amount with credit being given for the net amount received by Lender in connection with the sale of the vehicle.

U Drive Acceptance Corp 1119 1119 4th Street Ste 102 712.258.0269 712.224.5165

Buyer(s):

VIN No.:

Year, Make, Model:

Seller (print):

Sellers Agent (Print):

Agent's Signature:

Agent's Title:

U Drive Acceptance Corp UDAC

UDAC

UDAC

UDAC

UDAC


U Drive Acceptance Corp UDAC UDAC

UDAC


U Drive Acceptance Corp,. UDAC


Customer Irrevocable Power of Attorney For Motor Vehicle Forms

The Customer agrees that the Attorney will not be responsible for any error, negligence, or for any sort of act or omission not amounting to gross negligence or willful misconduct and the Customer will indemnify, defend and hold the Attorney harmless from any and all actions, claims, demands or liabilities for any nature whatsoever which the Customer may have or will have against the Attorney arising out of the performance of its functions for and on behalf of the Customer pursuant to this Irrevocable Power of Attorney.

VEHICLE: Year, Make & Model VIN

IN WITNESS WHEREOF, The Customer(s) has caused this instrument to be executed by a duly authorized representative effective as of the date set forth below.

Customer 1 Name:

Customer 1 Address:

As Agreed:

Customer 1.

Customer 2.

KNOW BY ALL THESE PRESENTS THAT ______(”Customer(s)”) with a residential address set forth below, hereby irrevocably appoints and authorizes U Drive Acceptance Corporation (“Attorney”), with offices at 1119 4th Street Street #102, Sioux City, IA 51101, to act as the Customer(s)’s attorney-in-fact, such power being coupled with an interest, with full authority in the place and stead of the Customer(s) and in the name of the Customer(s) or otherwise, for the sole purpose of (a) preparing, executing and filing in the C ustom er (s) ’ s name any original claim forms, motor vehicle title forms, motor vehicle lien assignment forms and other such motor vehicle lien forms (hereinafter referred to collectively as (“Motor Vehicle Forms”) as the Attorney may deem necessary pertaining to a Vehicle (as identified below) which Customer(s) has purchased by way of a reta i l installment sales contract (Referred to as “Contract”) for such Vehicle which will be / has been assigned to U Drive Acceptance Corp, and, (b) exercising the rights of Customer against such vehicles and under the related Contract.

U Drive Acceptance Corp • 1119 4th Street Ste 102, Sioux City, IA 51101 • P: 712.258.0269 F: 712.224.5165

Customer 2 Name:

Customer 2 Address:

As Agreed:

1

PHYSICAL DAMAGE INSURANCE REQUIREMENT ADDENDUM TO THE RETAIL INSTALLMENT SALES CONTRACT

Your retail installment sales contract requires that you obtain and provide evidence of physical damage insurance naming U Drive Acceptance (“CREDITOR”, “us” or “our”) as loss payee (the “required insurance”) and that the required insurancemust be in force during the entire term of your retail installment sales contract. You may obtain required insurance from any licensed insurance agent and/or authorized insurance company of your choice. Failure to obtain the required insurance on your own or to keep it in force consistent with the above constitutes a default under the retail installment sales contract,which gives CREDITOR the right to repossess your vehicle or to purchase our own insurance to protect our interest and to charge all costs of that insurance to you.

If you do not provide evidence of required insurance, CREDITOR may satisfy the insurance requirement of the retail installment sales contract by insuring CREDITOR’s interest in your vehicle under our Creditor Placed Insurance (CPI) policy. The CREDITOR's cost of this coverage will be charged to you, and if any part of the cost is financed by CREDITOR, that amount will accrue interest at the rate stated in your retail installment sales contract. Other important terms and conditions of our CPI policy include the following:

1. CREDITOR is the Insured. Our CPI policy provides single interest coverage to us and does not directly protect yourinterest in the same way as your own insurance would. Claim payments made under our CPI policy will be made toCREDITOR and will be credited to your retail installment sales contract balance or used to repair your vehicle atCREDITOR’s sole discretion. In the event of a covered loss, our CPI policy will pay the lesser of (1) the cost torepair or replace your auto, (2) the actual cash value of your auto or (3) the Outstanding Net Balance of your retailinstallment sales contract on the date of loss. The Outstanding Net Balance means the outstanding contract balanceless the following: payments more than 90 days past due; unearned insurance, finance and other chargesappropriate for the retail installment sales contract; and charges and penalties added after the effective date of ourCPI policy coverage. The salvage value of the covered auto at the time of loss is deducted from any payment madeunder our CPI policy. Also, a deductible (as shown below) applies to each loss. The insured auto is described below.In the event of a loss, notify CREDITOR.

2. The premium that will be charged to your account may be more expensive than required insurance purchased byyou, and our CPI policy coverage may expire before your retail installment sales contract is paid off.

3. Licensed insurance agents may receive compensation from part of the premium charged to your retail installmentsales contract for our CPI policy coverage.

4. You may cancel coverage under our CPI policy at any time by purchasing your own required insurance from anagent of your choice and providing us evidence of required insurance. The unearned portion of the premium, if any,will be credited to your account.

5. The CPI policy does not provide bodily injury or property damage liability insurance. You must obtain thiscoverage on your own.

6. Coverage will be placed thirty (30) days after the date of your retail installment sales contract and will be retroactiveto the date of the retail installment sales contract. However, if you provide evidence that you have obtained requiredinsurance on your own at any time during the first thirty (30) days of the retail installment sales contract, you will notbe charged.

Our CPI policy is designed to fulfill the insurance requirement of the retail installment sales contract and protect only CREDITOR’s interest in the vehicle securing the retail installment sales contract. You may purchase your own physical damage insurance from an agent or company of your choice at any time and this coverage will be immediately cancelled.

2

By initialing below, I agree:

______ That I have obtained required insurance through an insurance agent and/or insurance company of my own choosing and will provide evidence of that insurance before taking possession of my auto. In the event that such coverage cancels, expires, or non-renews at any time and I fail to replace such coverage, I understand that CREDITOR, at their sole discretion, may add my vehicle to their CPI policy to protect their interest and add the cost of such insurance to the balance of my retail installment sales contract, bearing interest at the rate specified within the retail installment sales contract; I understand if my vehicle is added to their CPI policy that the coverage can be cancelled with no further notice if I fail to make the required payments. I understand that this limited physical damage insurance coverage does not include liability coverageand that I have or will obtain liability insurance from an agent or company of my choice.

In the event of a loss or damage to the vehicle, I must notify CREDITOR. Except at my own risk and expense, I will not repair or authorize repair of the vehicle prior to CREDITOR’S representative inspecting and appraising the vehicle. All repairs will be done by or through CREDITOR with no exceptions.

Collateral:

Year Make and Model VIN

Contract:

Amount Financed Deductible Amount

$500.00

CPI Cost: CPI cost is based upon the amount finance and the frequency of payments. Please see below.

For contracts with the amount financed balance of less than $11,000:$48.00 per vehicle per payment period – 26 bi-weekly payments per year $52.00 per vehicle per payment period – 24 semi-monthly payments per year$104.00 per vehicle per payment period – 12 monthly payments per year For contracts with the amount financed balance equal or greater than $11,000:$30.00 per vehicle per payment period – 26 bi-weekly payments per year $60.00 per vehicle per payment period – 24 semi-monthly payments per year $130.00 per vehicle per payment period – 12 monthly payments per year

Coverage Period: Based upon the payment period of the retail installment contract, renewing automatically from payment period to payment period until cancelled.

I have read and understood this document and acknowledge receipt of a completed copy of this form. I agree that any refund of unearned premium shall be credited to the unpaid balance of my retail installment sales contract. This form is attached to and becomes part of the retail installment sales contract.

_____________________________________________________ ____________________________________________________Borrower (Buyer) (PRINTED) Date Borrower (Buyer) (SIGNATURE)

______________________________________________________ ____________________________________________________Co-Signer Name (PRINTED) Date Co-Signer (SIGNATURE)

AUTO PAY - CREDIT AND DEBIT CARD AUTHORIZATION AGREEMENT

Please read and complete this Authorization Agreement:

By signing this Authorization Agreement, I authorize U DRIVE ACCEPTANCE CORP.,(“UDAC") to initiate recurring electronic debit entries in the amount listed below ("Payment Amount") from my account at the financial institution named below ("Bank") on the dates described below, and to apply such funds as payments on my motor vehicle retail installment contract ("Contract") with UDAC . In addition, by signing this Authorization Agreement, I understand and agree to the following:

The Payment Amount listed below does not include any late fees, NSF fees, or other amounts which may become due under my Contract. I authorize UDAC to initiate debit entries for amounts including both the Payment Amount and any applicable fees pursuant to the terms of my Contract.If I do not indicate a day of the month for the Payment Amount to be debited from my bank account, the payment date will be the monthly payment due date set forth in my Contract, or as modified by an approved Due Date Change Request Form. If any payment date falls on a weekend or Federal banking holiday such that UDAC is unable to process the debit entry, my payment will be posted to my account with UDAC on the next business day.If UDAC becomes aware of any erroneous debit entries, UDAC will initiate transactions to correct the errors.If any debit entry is dishonored or returned unpaid by my Bank for any reason, Iauthorize UDAC to resubmit the debit entry up to two additional times within the next 30 days, and I acknowledge that UDAC may charge a return item fee and/or late charge to my UDAC account, to the extent allowed by law and/or my Contract. Ialso acknowledge that my Bank may impose its own additional fees according to my account agreement with my Bank.If my bank account information changes at any time, Ishall immediately notify UDAC of such change.The origination of ACH transactions (debit entries) to my account must comply with and will be governed by the provisions of applicable law(s) and rules of the National Automated Clearing House Association.

UDAC's authority to draft the automatic payments will remain in full force and effect until one of the following occurs:

1. I provide UDAC notice to the address below 7 days prior to the original scheduled payment date of my wishto change the scheduled payment date, such as by requesting and submitting a Contract Modification Form;

2. I provide written notice to UDAC at the address below of my intent to revoke this Authorization no less than7 business days prior to the next scheduled withdrawal date;

3. Iam notified by UDAC of its intent to discontinue receiving payment from me in this manner for any reason; or

4. All amounts owed to UDAC under my Contract are paid in full.

Iunderstand that this Authorization is purely voluntary and is not a condition to UDAC's extension of credit. Iagree not to dispute any debit entry made in accordance with the terms of this Authorization Agreement.

Borrower Printed Name: ____________________________ Co-Borrower Printed Name: ____________________________

Borrower Signature: _________________________________ Co-Borrower Signature: ________________________________

Address: _________________________________________ City/State/Zip: _________________________________________

Phone: ___________________________________________ Date: ____________________________

Anyone else whose signature is required to withdraw funds from this checking/savings account must sign below:

Account Information

Name of Financial Institution:

Routing Number:

Account Number: Checking | Savings

Signature

Authorized Signature (Primary): Date:

Authorized Signature (Joint): Date:

Please attach a voided check or deposit slip to this form and return to:

U Drive Acceptance Corp. Attn: Auto Pay P.O. Box 3107 Sioux City, IA 51102

Or

Fax to: (712) 224-5165

GPS Disclosure Form Addendum to Retail Installment Sales Contract Consumer Disclosure Statement and Agreement for

Installation

BUYER(S), VEHICLE AND DEVICE INFORMATION

Borrower Name: Date: Co-Borrower Name: Date: Vehicle Year: Model: Make: VIN: Device Type: Device Serial / ID No: Device Phone No:

IMPORTANT: BUYER SHOULD CAREFULLY REVIEW THIS ENTIRE DISCLOSURE STATEMENT AND AGREEMENT AS IT DESCRIBES THE CONSEQUENCES OF FAILING TO MAKE TIMELY PAYMENTS. IT ALSO GIVES PERMISSION TO INSTALL A GPS/STARTER INTERRUPT DEVICE ON THE VEHICLE IDENTIFIED ABOVE. THIS AGREEMENT IS HEREBY INCORPORATED INTO THE RETAIL INSTALLMENT SALES CONTRACT FOR THE FINANCING OF THE VEHICLE DESCRIBED ABOVE AND ENTERED INTO BY CUSTOMER AND CREDITOR ON THIS DATE.

In this Agreement (the “Agreement”), “you” and “your” mean the buyers and “we,” “us” and “our” mean and its authorized agents and/or assignees.

You understand that the vehicle (the “Vehicle”) you are purchasing is equipped with a GPS device (the “Device”) which includes a global positioning system (“GPS”) and a possibly a payment reminder/starter interrupter. You understand that U Drive Acceptance Corp is only willing to extend credit to you or, if applicable, purchase your retail installment Sales contract (“Contract”) from the dealer who sold you the Vehicle if you agree to the installation of the device in the Vehicle. You acknowledge that you are free to purchase a vehicle from another dealer or obtain vehicle financing through another source that does not require installation of the device instead of buying this Vehicle or obtaining financing from us subject to this Agreement.

The Device may permit us to stop the Vehicle from starting if you fail to make your payments on or before your scheduled due date. We will only disable the Vehicle after we give you any grace period or opportunity to cure as required by law. The GPS functionality will permit us to locate the Vehicle in the event that we need to repossess the Vehicle due to your failure to comply with the terms of the Contract. The GPS will not be used to monitor your driving habits or practices, but may be randomly activated to ensure the GPS is still functioning and to ensure that the Vehicle has not been moved to a location other than the address provided by you at application or otherwise approved by us. U Drive

Acceptance Corp or their assigned designees will not provide any access to or record of the tracking unless required to do so by law or to enforce any rights U Drive Acceptance Corp or their assigned designees may have to collect any payment due under any contract and/or to repossess the Vehicle as allowed.

By initialing and signing below, you are indicating that you have read, accept and understand the terms of the installation for the Device, your obligations under the Contract and the consequences if you fail to meet your obligations under that Contract.

1. You consent to the installation of the Device on the Vehicle. You understand that you are free toobtain a vehicle from another source that might not require the installation of the Device.

Buyer: __________ Co-Buyer: __________

2. You understand that we may remind you that a payment is coming due or is past due by sending anaudible tone through the Device. If does not receive a full payment on or before its scheduled due date under the Contract, the Device will make the audible tone to remind you that a payment is past due. You understand that the tone will sound each time the ignition is turned on or off until the default is cured or, if you fail to cure the default, the Vehicle is disabled. You understand that failure of the warning to sound does not excuse you from making your payments on time. You also acknowledge that the warning may be heard by other parties who have not signed the Contract and you waive any right to privacy you may have with respect to others hearing this tone.

Buyer: __________ Co-Buyer: __________

3. You understand that if you fail to make your scheduled payments on or before your due date to UDrive Acceptance Corp, you will be considered in default under the terms of the Contract and the Vehicle may be disabled, subject to any notices or rights to cure that you may be entitled to under applicable law. We will track the location of the Vehicle if it is disabled. You will be unable to restart the Vehicle until you bring your payments current or otherwise cure the default. We may use the Device’s GPS to locate the Vehicle for repossession and any other purpose not prohibited by law.

Buyer: __________ Co-Buyer: __________

4. You understand that U Drive Acceptance Corp owns the Device even if you pay the Contract in full.After you pay the Contract in full, U Drive Acceptance Corp will authorize the removal of the Device from the Vehicle at your request or make the Device inoperable so that it will have no effect on the operation of the Vehicle.

Buyer: __________ Co-Buyer: __________

5. You understand that if you alter, tamper with, disconnect or remove the Device, you will be in defaultunder both this Agreement and your Contract, except as prohibited by applicable law. You also understand that you may be liable for the cost to repair or replace the Device, unless prohibited by law. Buyer: __________ Co-Buyer: __________

6. You agree not to attempt to nor remove, reinstall, repair, perform maintenance on or tamper withthe Device for any reason. You understand that U Drive Acceptance Corp or its assignees are the only authorized parties permitted to install, remove, repair or perform maintenance on the Device or any of its parts and you agree to give U Drive Acceptance Corp or its assignee access to the Vehicle if maintenance or repairs to the Device are necessary.

Buyer: __________ Co-Buyer: __________

7. If the Vehicle has been disabled and you need to use the Vehicle because of an emergency, you mayrequest emergency access from us so that you can start the Vehicle. You may request emergency access by calling 1-855-480-1640. This number is available 24 hours a day, 7 days a week. If your default has not been cured after access is granted, we will disable the starter again. We are not waiving any of our rights under the Contract or the law by granting emergency access. Buyer: __________ Co-Buyer: __________ 8. You understand that U Drive Acceptance Corp can exercise its rights, title and interest in the Contractat any time and that any assignee of the contract will have the same rights under the Contract and this Agreement.

Buyer: __________ Co-Buyer: __________

9. You understand and agree that you have no right to privacy regarding the location of the vehicle orregarding the use of the Device to track and locate the vehicle, but in the event that any court or other authority were to determine such a\ right exists, you voluntarily waive any right you may have to privacy in the location of the Vehicle to the fullest extent of the law and authorize us to use the Device’s GPS capabilities to locate the Vehicle in accordance with this Agreement.

Buyer: __________ Co-Buyer: __________

DO NOT SIGN THIS DISCLOSURE STATEMENT AND AGREEMENT FOR THE INSTALLATION OF THE DEVICE UNTIL ALL QUESTIONS YOU HAVE CONCERNING THE DEVICE AND THE RETAIL INSTALLMENT SALES CONTRACT HAVE BEEN ANSWERED AND YOU ARE CONTENT WITH THE ANSWER(S) RECEIVED.

By signing below, you acknowledge that you fully understand and agree that you are bound by all the terms and conditions of this Agreement.

U DRIVE ACCEPTANCE CORP/SELLER EXPRESSLY DISCLAIMS ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES, REPRESENTATIONS AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON INFRINGEMENT IN CONNECTION WITH THE DEVICE.

This Agreement, when signed below, is hereby incorporated into and becomes part of the Retail Installment Sales Contract entered into by Buyer and Seller.

Buyer___________________________________ Co-buyer___________________________________ Authorized U Drive Representative___________________________________ Date ________________

NOTICE TO COSIGNER

You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn’t pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility.

You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fee or collection costs, which increase this amount.

The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become part of your credit record.

This notice is not the contract that makes you liable for the debt.

Identification of Debt: (Name of Primary Credit Applicant)

Collateral: (Model Year) (Make) (Model) (Vin #)

(Today’s Date)

(Signature of Cosigner)

Missouri Only