CLS Finance Limited is a company incorporated in England and Wales with registered number 5032892, and having its registered office at Unit 2 Alexandra Street, Hyde, Cheshire SK14 1DX United Kingdom. The Issuer is a UK-based car finance company that provides HP Contracts exclusively to consumers who do not have strong enough credit ratings to be considered by the mainstream lenders. The Company has issued and intends to issue Notes pursuant to the Programme to finance the growth of its book of HP Contracts and to refinance existing debt. Listing of the Programme and Notes comes under Section IIIB of the BSX Listing Regulations and is restricted to Qualified Investors.