Credit Bureau Connection Partners with Clarity Services, Inc. to Deliver a Unique, Comprehensive View of Subprime Consumers

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Clearwater, Fla. – Credit Bureau Connection (CBC) and Clarity Services have partnered to now
provide thousands of automotive dealers a first-of-its-kind, comprehensive view of a consumer’s
credit history.

Together, they combine exclusive subprime credit data with existing traditional credit bureau
information to enhance credit reports and compliance solutions to Credit Bureau Connection’s
customers. Clarity’s non-traditional credit data provides a unique insight into consumer credit
behavior that is not available from the traditional credit bureaus. Lenders and buy-here-pay-here or
sub-prime dealers who exclusively use traditional bureau scores are missing a wealth of information
that could have a huge impact on underwriting or lending decisions. This partnership gives lenders
greater access to information they need to mitigate their risks and better understand their applicants.
By incorporating Clarity’s data, dealers will be able to more accurately price and structure deals with
profitable loan terms while managing default risk.

“I’m excited about our partnership with Clarity Services,” said Mike Green, President and CEO of CBC.
“This partnership goes beyond just providing credit reports. It will provide additional insight into a
consumer’s file that will change the industry as we know it. The industry needs this now more than it
ever has. The additional benefit of non-traditional credit data bundled with CBC’s robust credit report
and compliance suite, will elevate subprime dealers to new heights.”

With an increasing number of consumers having subprime credit scores, more lenders and partners
within the credit industry are accepting the necessity of more comprehensive information to
determine an applicant’s intent to pay. For California-based CBC and its partners, Clarity’s data
provides a new level of confidence in lending.

“We are excited about the partnership with Credit Bureau Connection, an industry leader in credit
reports and compliance solutions,” said David Elmore, Vice President of Auto Finance & Strategic
Accounts at Clarity Services. “The partnership between Clarity Services and CBC provides a unique
opportunity to improve underwriting and lending efficiency for thousands of subprime Auto dealers.
Leveraging Clarity data will provide CBC’s customers with the most comprehensive and robust view of
the subprime consumer in the industry.”

About Clarity Services, Inc.

Clarity Services, Inc. provides powerful real-time fraud detection
and credit risk management solutions for lenders serving the nonprime
and thin/no file consumer segment. By leveraging unique data
assets and scores, Clarity Services’ suite of FCRA-regulated reports
and scores empower providers with visibility into critical consumer
information not available on traditional bureau reports. For more
information about Clarity Services, visit our website.

Susana Walls
Vice President, Marketing

David Elmore
Vice President, Auto Finance
& Strategic Accounts

About Credit Bureau Connection (CBC)

Credit Bureau Connection is the leader in credit reports, compliance management, and consumer
prequalification solutions for automotive, motorcycle, power sports, and RV dealers; along with
a vast network of lenders, brokers, and integrated software partners throughout the automotive
industry. CBC provides credit report products from all three credit reporting agencies: Experian,
TransUnion, and Equifax, along with soft-pull credit reports, consumer facing web credit application
tools, and compliance services such as: Red Flags identity verification, Risk Based Pricing, adverse
action notice fulfillment, enhanced OFAC searches, and more. CBC sets the standard with superior
customer service, fully responsive cross-platform software, comprehensive data security, and servers
managed in the most secure and redundant data centers in the industry with the best uptime service
levels available. CBC’s forward thinking business and technology approach is the driving factor in
the companies’ substantial growth year after year for over a decade. For additional information, visit:

Jeff VanOrnam
Director of Business Development