04/23/2023

Andrea Pernia Mendez

10187 Woodland Hills Dr

Cordova, TN, 38018

Subject: Application 7055653

Dear Andrea Pernia Mendez,

Thank you for your interest in a Cross River Bank loan through LendingUSA. After careful consideration, we regret to inform you that we are unable to
approve your request at this time.

The Principal reason(s) for our decision are indicated below:

Limited credit experience

☐ YES ☑ NO Our credit decision was based in whole or in part on information obtained from an outside source other than a consumer reporting agency.
Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the
nature of this information. You may direct this written request to:

LendingUSA

15303 Ventura Blvd, Suite 850

Sherman Oaks, CA 91403

Our credit decision on your application was based in whole or in part on information obtained in a report from the consumer reporting agencies listed
below. Under the Fair Credit Reporting Act, you have the right to know the information contained in your credit file at the consumer reporting agencies.
The reporting agencies played no part in our decision and are unable to supply specific reasons why we have denied credit to you. You also have a right
to a free copy of your report from the reporting agencies, if you request it no later than sixty (60) days after you receive this notice. In addition, if you find
that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.

You may learn more about the information they have concerning you by contacting them directly. Credit Reporting Agency:

TransUnion 2 Baldwin Pl, PO Box 1000 Chester, PA 19016 (800) 888-4213 www.TransUnion.com

We also obtained your credit score from TransUnion and used it in making our credit decision. Your credit score is a number that reflects the information
in your consumer report. Your credit can change, depending on how the information in your consumer report changes.

Your credit score: 662

Date: 04/03/2023

Scores range from a low of 300 to a high 850.

The key factors that adversely affected your credit score:

Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high

Too few accounts currently paid as agreed

Length of time accounts have been established

Lack of recent installment loan information

If you have any questions regarding your credit score, you should contact TransUnion at:

2 Baldwin Pl

PO Box 1000

Chester, PA 19016

Toll-Free Telephone number: (800) 888-4213

LendingUSA is providing this notification to you on behalf of Cross River Bank, 2115 Linwood Avenue Fort Lee, NJ 07024. If you have any questions
regarding this notice, you should contact LendingUSA at:

Cross River Bank c/o LendingUSA

15303 Ventura Blvd, Suite 850

Sherman Oaks, CA 91403

Toll Free 800-994-6177

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national
origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income
derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
The Federal Agency that administers compliance with this law concerning us is: FDIC Consumer Response Center, 1100 Walnut St, Box #11, Kansas
City, MO 64106.