NEW SCION VEHICLES ONLY
Term	Zone 1+ 720+	Zone 1 719-690	Zone 2 689-670	Zone 3 669-650	Zone 4 649-630	Zone 5 629-610	Zone 6 609-580	Zone 7 579-520
60 months	2.99%	3.69%	5.89%	8.39%	12.85%	14.75%	17.10%	19.50%
63 months	2.99%	3.69%	5.89%	8.39%	13.10%	15.00%	17.35%	19.50%
66 months	3.49%	3.94%	6.14%	8.64%	13.69%	15.25%	17.55%	19.50%
72 months	3.99%	4.44%	6.64%	9.14%	14.29%	15.75%	17.85%	19.50%
75 months	4.49%	4.94%	7.14%	9.64%	14.79%	16.25%	18.35%	20.00%
84 months	5.49%	5.94%	N/A	N/A	N/A	N/A	N/A	N/A
Advance Limits [1]	120%	120%	120%	120%	100%	100%	100%	100%
Advance Exception Uprates	+.25	+.25	+.25	+.25	+.50	+.50	+.50	+.50
[1] Advance Definition = [Total Amount Financed - Cancelable Adds (VSA, GAP, CLAH, TAC)] / New Invoice or Used Wholesale Book Scion Solutions iFi: Qualified iFi customer rate is determined by FICO score. FICO score must be >=610 (New Scion only). Please refer to program guidelines for a list of qualifications. Qualified applicants without bureau FICO scores are eligible for Zone 7 rate (New vehicles only).

SCION CERTIFIED PRE-OWNED VEHICLES ONLY
Term	Zone 1+ 720+	Zone 1 719-690	Zone 2 689-670	Zone 3 669-650	Zone 4 649-630	Zone 5 629-610	Zone 6 609-580	Zone 7 579-520
60 months	2.99%	3.69%	5.89%	8.39%	12.85%	14.75%	17.10%	19.50%
63 months	2.99%	3.69%	5.89%	8.39%	13.10%	15.00%	17.35%	19.50%
66 months*	3.49%	3.94%	6.14%	8.64%	13.69%	15.25%	17.55%	19.50%
72 months*	3.99%	4.44%	6.64%	9.14%	14.29%	15.75%	17.85%	19.50%
75 months*	4.49%	4.94%	7.14%	9.64%	14.79%	16.25%	18.35%	20.00%
84 months*	5.49%	5.94%	N/A	N/A	N/A	N/A	N/A	N/A
Advance Limits [1]	120%	120%	120%	120%	100%	100%	100%	100%
Advance Exception Uprates	+.25	+.25	+.25	+.25	+.50	+.50	+.50	+.50
[1] Advance Definition = [Total Amount Financed - Cancelable Adds (VSA, GAP, CLAH, TAC)] / New Invoice or Used Book * Available on 1-3 year old Scion Certified vehicles ONLY. TFS Used rates apply to Non-Certified Scion Used vehicles. Refer to Toyota Used rate letter for rates, participation guidelines, and Minimum Reserve schedule. Qualified applicants without bureau FICO scores are not eligible for the SCPO program. For < 520 FICO scores, add 1% to Zone 7 rate. ** 84 month term requirements: Minimum amount financed is $15,000. Scion Solutions College Graduate Program customers are eligible for Zone 1 NEW car rate NOTE: Rates are determined by the applicant(s) Automotive model FICO score from Experian/Fair Isaac Risk Model V2. A secondary credit bureau may be used to determine the rate subject to program guidelines. When an applicant and co-applicant exist, the qualifying tier will be based on the higher of the two applicants' FICO score. Please note that the Multiple Credit Bureau Option is not available to customers that have a null FICO or a FICO score less than or equal to 609 on either the applicant or co-applicant's Primary Bureau. Dealer rate participation NOT allowed on New and Certified Scion Solutions retail programs. Equity Program for ALL Zones - For Loan-to-Value (LTV) 80.01% - 90%, DEDUCT 0.25% FROM ABOVE RATES. New For ALL SCPO Super Equity Program for ALL Zones - For Loan-to-Value (LTV) ≤ 80%, DEDUCT 0.50% FROM ABOVE RATES. Encore End-of-term benefit is applicable; however, rate reduction for Encore not compatible with any Scion Solutions retail program. Credit worthy Business Solutions customers including those with co-applicants, receive a minimum Zone 1 rate. Co-applicants with 720+ FICO scores receive a Zone 1+ rate. Dealer-Owned Vehicle (DOV) Finance Program contracts receive an automatic Zone 1+ rate. Standard Minimum Reserve Schedule applies. All other Business Solutions terms and conditions apply. See DOV Program Guidelines for additional program details.