1. Business Owner Representation

You represent that you are an owner, officer, member, partner, guarantor, or other authorized representative of the business identified in this application and that you have authority to submit this request on behalf of the business. You further acknowledge that you are personally liable, or may become personally liable, for obligations related to the requested financing through a personal guaranty, co-obligation, or other credit-related obligation.

2. Authorization to Obtain Consumer Report Information

You authorize Express Capital Funding, Inc., its service providers, financing partners, affiliates, and participating lenders to obtain, use, and evaluate information about you, including information contained in your consumer credit report and other consumer report information from consumer reporting agencies, for the purpose of determining whether you and your business may qualify for financing products, prequalified offers, or other credit-related opportunities.

3. Soft Credit Inquiry for Prequalification

You understand and agree that Express Capital Funding, Inc. may obtain consumer report information through a credit inquiry that is intended for prequalification, prescreening, eligibility determination, or financing offer presentation purposes. You understand that this inquiry may not impact your credit score and is used to determine whether financing options may be available to you and your business.

4. Consent to Electronic Records and Communications

You consent to the receipt of disclosures, notices, authorizations, financing offers, and other communications electronically. You agree that your electronic consent and signature are legally binding and have the same force and effect as a handwritten signature.

5. Sharing of Information

You authorize Express Capital Funding, Inc. to share your application information, business information, consumer report information, and related eligibility data with financing providers, lenders, funding sources, service providers, and other parties involved in evaluating, facilitating, or providing financing opportunities to you and your business.

6. Future Credit Review

If you elect to proceed with a financing application after receiving a prequalified offer, you understand that the financing provider may require additional underwriting and may obtain additional consumer reports and business reports, including a hard credit inquiry where permitted by law and authorized by you.

7. Certification

By providing your consent, you certify that:

• The information you provide is true and accurate.
• You are seeking financing primarily for business or commercial purposes and not for personal, family, or household use.
• You are an owner or authorized representative of the business.
• You understand that consumer report information may be obtained in connection with evaluating financing opportunities for the business and your personal obligation relating to such financing.
• You authorize Express Capital Funding, Inc. and its financing partners to use and retain records of this consent.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and business that seeks a business loan. What this means for you: When you apply for a loan, we will ask for your business name, address, and Tax Identification Number. We will also ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Getting paper copies

At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. You will have the ability to download and print documents we send to you through the Express Capital system during and immediately after signing session and, if you elect to create a Express Capital signer account, you may access them for a limited period of time (usually 30 days) after such documents are first sent to you. After such time, if you wish for us to send you paper copies of any such documents from our office to you, you will be charged a $0.00 per-page fee. You may request delivery of such paper copies from us by following the procedure described below.

Withdrawing your consent

If you decide to receive notices and disclosures from us electronically, you may at any time change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format. How you must inform us of your decision to receive future notices and disclosure in paper format and withdraw your consent to receive notices and disclosures electronically is described below.

Consequences of changing your mind

If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain steps in transactions with you and delivering services to you because we will need first to send the required notices or disclosures to you in paper format, and then wait until we receive back from you your acknowledgment of your receipt of such paper notices or disclosures. To indicate to us that you are changing your mind, you must withdraw your consent using the Express Capital 'Withdraw Consent' form on the signing page of a Express Capital envelope instead of signing it. This will indicate to us that you have withdrawn your consent to receive required notices and disclosures electronically from us and you will no longer be able to use the Express Capital system to receive required notices and consents electronically from us or to sign electronically documents from us.

All notices and disclosures will be sent to you electronically

Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you through the Express Capital system all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you. To reduce the chance of you inadvertently not receiving any notice or disclosure, we prefer to provide all of the required notices and disclosures to you by the same method and to the same address that you have given us. Thus, you can receive all the disclosures and notices electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please let us know as described below. Please also see the paragraph immediately above that describes the consequences of your electing not to receive delivery of the notices and disclosures electronically.

How to contact Express Capital Funding:

You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically as follows: To contact us by email send messages to: scott@expresscapital.com

To advise Express Capital Funding of your new e-mail address

To let us know of a change in your e-mail address where we should send notices and disclosures electronically to you, you must send an email message to us at scott@expresscapital.com and in the body of such request you must state: your previous e-mail address, your new e-mail address. We do not require any other information from you to change your email address. In addition, you must notify Express Capital, Inc. to arrange for your new email address to be reflected in your Express Capital account by following the process for changing e-mail in the Express Capital system.

To request paper copies from Express Capital Funding

To request delivery from us of paper copies of the notices and disclosures previously provided by us to you electronically, you must send us an e-mail to scott@expresscapital.com and in the body of such request you must state your e-mail address, full name, US Postal address, and telephone number. We will bill you for any fees at that time, if any.

To withdraw your consent with Express Capital Funding

To inform us that you no longer want to receive future notices and disclosures in electronic format you may:

• i. decline to sign a document from within your Express Capital session, and on the subsequent page, select the check-box indicating you wish to withdraw your consent, or you may;
• ii. send us an e-mail to scott@expresscapital.com and in the body of such request you must state your e-mail, full name, US Postal Address, and telephone number. We do not need any other information from you to withdraw consent. The consequences of your withdrawing consent for online documents will be that transactions may take a longer time to process.

Required hardware and software

** These minimum requirements are subject to change. If these requirements change, you will be asked to re-accept the disclosure. Pre-release (e.g. beta) versions of operating systems and browsers are not supported.

Acknowledging your access and consent to receive materials electronically

To confirm to us that you can access this information electronically, which will be similar to other electronic notices and disclosures that we will provide to you, please verify that you were able to read this electronic disclosure and that you also were able to print on paper or electronically save this page for your future reference and access or that you were able to e-mail this disclosure and consent to an address where you will be able to print on paper or save it for your future reference and access. Further, if you consent to receiving notices and disclosures exclusively in electronic format on the terms and conditions described above, please let us know by clicking the 'I agree' button below.

By checking the 'I agree' box, I confirm that:

• I can access and read this Electronic CONSENT TO ELECTRONIC RECEIPT OF ELECTRONIC CONSUMER DISCLOSURES document; and
• I can print on paper the disclosure or save or send the disclosure to a place where I can print it, for future reference and access; and
• Until or unless I notify Express Capital Funding as described above, I consent to receive from exclusively through electronic means all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to me by Express Capital Funding during the course of my relationship with you.