Pre-contract disclosure

Castlebridge motor company ltd is a credit broker, not a lender. We can introduce you to a limited
group of carefully selected credit providers who may be able to offer you finance for your purchase.
Each credit provider may have different interest rates and charges. We do not charge you a fee for
our services. Rates will be either fixed based on the lender or based on your credit score. Fixed rates
are determined by our contractual agreements and we cannot change this rate. Credit score-based
rates are pre-set, but are also linked to your individual credit rating. Typically, the higher your credit
score, the lower the APR you will receive from a credit provider. We are only able to offer a range of
finance products from these providers, which may be suitable for you and we will explain the key
features of these products to you. We are NOT independent financial advisors. We will provide
details of the products available from the credit providers that we work with, but no advice or
recommendation will be made. You must decide whether the finance product is right for you. We
will receive payment from the credit provider for introducing you to them. The amount received
could vary by credit provider, which may be a higher amount in relation to certain products
compared with other products available. The credit providers we work with could pay commission at
different rates. However, the amount of commission that we receive does not have an effect on the
amount that you pay to the lender under your credit agreement. We run a number of different
commission models depending on the arrangements that we have agreed with our credit providers.
The commission received is either a fixed fee or a percentage of the amount you borrow, which
means the payment received may vary depending on the amount you borrow and the term the loan
is borrowed over. This may also means that the more you borrow the more we may be paid. Our
commission will not influence the amount you will pay under your credit agreement. Details on the
amount of commission are available on request.