Applicant Disclosures

By submitting this application, I/we certify that all information provided herein is true, accurate, and complete. I/we authorize the company identified on this application and its affiliates, assignees, and technology service providers to retain this application and verify my/our credit history, employment, business background, and salary or revenue information, or any other information required to evaluate this request for capital. The company identified on this application may share this application and all supporting documentation with third parties, including lenders or funding partners authorized to obtain any necessary business and/or personal credit reports.

I/we understand and agree that this application may be processed using electronic records, electronic signatures, automated systems, artificial intelligence–assisted tools, and verification technologies operated by third-party platform providers, and that communications may be delivered via email, phone, or text message (SMS), including for identity verification, account access, and security purposes.

By clicking "Apply Now" or signing below, I/we affirm that I/we have read, understand, and agree to all representations, authorizations, and disclosures set forth below, including the Terms of Service, the Privacy Policy, and the AI-Assisted Financial Analysis, Scoring, and Matching Disclosure (the "AI Disclosure").

These Applicant Representations, Authorizations, and Disclosures ("Disclosures") apply to the submission of this application and are legally binding. By submitting this application, the applicant, including all owners, officers, guarantors, and authorized representatives of the business entity ("Applicant"), acknowledges, affirms, and agrees to the following.

1. Accuracy and Completeness of Information

Applicant certifies that all information, statements, and documentation provided in connection with this application — whether submitted directly by Applicant or indirectly through a third party — are true, accurate, complete, and not misleading as of the date submitted. This includes, without limitation, financial statements, bank records, ownership information, identifying information, and representations regarding business operations. Any material misstatement, omission, or falsification may result in immediate disqualification, withdrawal of any offer, termination of services, and/or legal action.

2. Ongoing Duty to Update

Applicant agrees to promptly notify the company identified on this application and the technology software provider that owns and operates the underlying application platform (the "Technology Software Provider") in writing of any material changes to financial condition, business operations, ownership, legal status, or information previously submitted. Failure to disclose such changes constitutes a material breach of these Disclosures.

3. Technology Platform and Role Disclosure

Applicant acknowledges that this application process is facilitated by a proprietary software-as-a-service ("SaaS") platform operated by the Technology Software Provider, which provides application processing, data transmission, verification, analytics, and workflow tools to brokers, lenders, and financial service providers operating under their own brand.

Unless expressly stated otherwise in writing:

• The Technology Software Provider is not a lender, broker, financial advisor, or fiduciary;
• The Technology Software Provider does not make final credit or funding decisions; and
• All approvals, rates, terms, and funding determinations are made solely by third-party lenders or funding partners.

4. No Guarantee of Approval or Terms

Submission of this application does not constitute an offer, commitment, or guarantee of financing. All offers are subject to underwriting, verification, and risk assessment and may be modified, withdrawn, or declined at any time at the sole discretion of the applicable lender or funding partner.

5. Authorization to Collect, Use, and Share Information

Applicant authorizes the company identified on this application, the Technology Software Provider, and their respective affiliates, service providers, successors, assigns, and designees (collectively, the "Authorized Parties") to collect, retain, store, analyze, verify, and transmit this application and all supporting information for purposes of evaluating eligibility for commercial financing or related financial products and services.

This authorization includes sharing information with:

• Lenders, funding partners, other brokers and funding intermediaries, tax preparation and accounting firms, and other assignees
• Credit reporting agencies and data providers
• Bank account verification services
• Fraud prevention, compliance, and underwriting vendors
• Technology, hosting, and analytics providers

6. Consent to Credit Reports and Third-Party Verifications

Applicant authorizes Authorized Parties to request, obtain, and review consumer and/or business credit reports, investigative reports, bank account information, transaction histories, and other third-party verifications as permitted by law, including under the Fair Credit Reporting Act. Such inquiries may include soft or hard credit pulls.

Applicant waives any claim against Authorized Parties arising from lawful inquiries conducted pursuant to this authorization.

7. Automated Processing and Artificial Intelligence

Applicant understands and agrees that the platform may utilize automated systems, artificial intelligence, machine-learning models, and algorithmic tools to assist with application intake, data extraction, verification, fraud detection, risk analysis, eligibility assessment, and workflow routing, as further described in the AI Disclosure, which is incorporated into these Disclosures by reference.

Applicant acknowledges that:

• Automated tools may be used in whole or in part;
• Such tools are designed to support efficiency, consistency, and compliance;
• Automated processing does not guarantee approval or specific terms; and
• Final credit and funding decisions are made by third-party lenders, not solely by automated systems operated by the Technology Software Provider.

8. Communications, SMS, and Two-Factor Authentication (2FA)

Applicant expressly consents to receive communications from Authorized Parties, including phone calls, text messages (SMS), and emails, including autodialed or prerecorded messages, using any contact information provided.

Applicant understands and agrees that SMS, email, or voice communications may be used for:

• Identity verification
• Two-factor authentication (2FA) and one-time passcodes
• Account access and security alerts
• Application status updates
• Requests for documentation or verification

Message frequency varies, and message and data rates may apply. Reply STOP to opt out of non-required messages and HELP for assistance. Consent to receive SMS communications is not a condition of funding approval and may be revoked at any time through reasonable opt-out mechanisms, subject to account security and legal requirements. Marketing or promotional text messages are sent only with Applicant's separate prior express written consent, as described in the platform's Terms of Service, and are not covered by this Section.

9. Authority to Bind the Business

The undersigned represents and warrants that they are legally authorized to submit this application and bind the business entity to these Disclosures. The undersigned acknowledges that they may be held personally liable for false, misleading, or fraudulent information submitted on behalf of the business.

10. Electronic Records, Electronic Signatures, and Digital Transactions

Applicant consents to transact business electronically and agrees that all disclosures, notices, records, contracts, authentication credentials, and signatures may be provided and executed electronically. Applicant agrees that electronic signatures and records have the same legal effect as handwritten signatures and paper documents, in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state law. Applicant may request paper copies and may withdraw consent to electronic records as described in the E-SIGN Consent presented with this application.

11. Data Ownership and Limited License

Applicant retains ownership of all information submitted but grants the Technology Software Provider and the Authorized Parties a limited, non-exclusive, revocable license to use such information for underwriting support, compliance, fraud prevention, analytics, system operation, platform improvement, and lawful business purposes, consistent with applicable privacy laws and the platform's Privacy Policy.

12. Fraud Prevention and Platform Security

Applicant agrees to maintain the confidentiality of login credentials, authentication codes, and access methods. Any attempt to misrepresent identity, submit fraudulent documents, manipulate automated systems, or misuse the platform is strictly prohibited and may result in termination of access and legal action.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE TECHNOLOGY SOFTWARE PROVIDER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES ARISING OUT OF OR RELATING TO FUNDING DECISIONS, THIRD-PARTY ACTIONS, AUTOMATED PROCESSING, DATA USE, OR SERVICE INTERRUPTIONS. ANY LIABILITY OF THE TECHNOLOGY SOFTWARE PROVIDER SHALL BE LIMITED TO DIRECT DAMAGES ACTUALLY INCURRED AND SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL OF ALL AMOUNTS PAID TO THE TECHNOLOGY SOFTWARE PROVIDER BY APPLICANT DURING THE SIX (6) MONTH PERIOD PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100), CONSISTENT WITH THE PLATFORM'S TERMS OF SERVICE.

14. Indemnification and Hold Harmless

Applicant agrees to indemnify, defend, and hold harmless the Technology Software Provider, the branded broker or lender, and their respective officers, directors, employees, contractors, and affiliates from any claims, losses, damages, costs, or liabilities arising from Applicant's representations, omissions, misuse of the platform, or violation of law, except to the extent caused by the Technology Software Provider's gross negligence or willful misconduct. This obligation survives termination of any relationship.

15. Compliance with Law

Applicant agrees to comply with all applicable federal, state, and local laws, regulations, and ordinances in connection with this application and any resulting financing.

16. Binding Arbitration; Class Action Waiver; Jury Waiver

Any dispute, claim, or controversy arising out of or relating to this application, the platform, or related services shall first be subject to good-faith informal resolution for thirty (30) days following written notice, and thereafter shall be resolved exclusively through binding arbitration administered by the American Arbitration Association in accordance with its applicable rules, before a single arbitrator in Hamilton County, Indiana or remotely by agreement of the parties — except that (a) claims properly brought in small claims court may be brought there, and (b) either party may seek temporary injunctive or equitable relief in a court of competent jurisdiction. This provision is governed by the laws of the State of Indiana.

ALL DISPUTES SHALL BE BROUGHT IN THE PARTIES' INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. BY AGREEING TO THIS PROVISION, THE PARTIES KNOWINGLY AND VOLUNTARILY WAIVE THE RIGHT TO TRIAL BY JURY.

Applicant may opt out of this arbitration provision (but not the remainder of these Disclosures) by delivering written notice to the Technology Software Provider at the mailing address identified in the platform's legal notices within thirty (30) days of first accepting these Disclosures.

17. Limited Agent for Application Submissions; Adoption of Signature

If a lender, funder, or funding intermediary requires a different application format, Applicant appoints the company identified on this application and the Technology Software Provider as Applicant's limited agents, solely to transcribe and submit the information contained in this application and its supporting documents on such required form, without any authority to alter, supplement, or omit substantive information. Applicant adopts the electronic signature provided with this application as Applicant's authorized, valid, and binding signature, which such limited agent may apply on Applicant's behalf solely on submissions of this same application and its supporting documents to lenders, funders, and funding intermediaries. A record of each form to which Applicant's signature is applied will be maintained and made available to Applicant upon request. This appointment creates no fiduciary relationship and does not modify Section 3.

18. Duration and Revocation of Authorizations

The authorizations granted in Sections 5, 6, and 17 remain in effect until revoked by Applicant in writing to the company identified on this application or to the Technology Software Provider using the contact methods identified in the platform's legal notices, provided that revocation applies prospectively only and does not affect disclosures already made or submissions already in process.

By submitting this application, Applicant acknowledges having read, understood, and agreed to all of the foregoing Disclosures.