Credit Application, Authorization & Assignment Disclosure

By submitting this application, the applicant business ("Applicant") and each individual whose information is provided herein, including each personal guarantor (each, a "Guarantor"), authorizes the broker, lessor, lender, equipment finance company, or funding source receiving this application, together with each of their respective affiliates, parents, subsidiaries, successors, assigns, brokers, syndication partners, securitization partners, servicers, agents, designated financing partners, and any other current or future third-party lender, funder, investor, or transferee to whom this application or the resulting transaction is sold, assigned, syndicated, securitized, pledged, hypothecated, or referred (collectively, the "Lender Parties"), to take all of the actions set forth below.

1. Authorization to Obtain Credit Reports and Verify Information. Applicant and each Guarantor authorize the Lender Parties to obtain, request, and review consumer credit reports, commercial credit reports, business bureau reports, public records, court filings, UCC filings, banking and trade references, tax filings, and any other information deemed relevant in connection with the evaluation, origination, monitoring, modification, renewal, refinancing, extension, collection, or enforcement of any credit facility resulting from this application, in each case in accordance with the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), the Equal Credit Opportunity Act (15 U.S.C. § 1691 et seq.), and all other applicable federal and state law. Each Guarantor specifically authorizes the Lender Parties to obtain consumer credit reports about such Guarantor, and acknowledges that such inquiries may appear as hard inquiries on a personal credit report. This authorization is continuing in nature and shall remain in effect until revoked in writing or until any obligation arising in connection with this application or any resulting transaction has been satisfied in full.

2. Authorization to Share, Assign, and Syndicate. Applicant and each Guarantor expressly authorize the Lender Parties to share, disclose, transmit, sell, assign, syndicate, securitize, pledge, hypothecate, or otherwise transfer this application and all information contained herein, together with any supporting documents, financial statements, credit reports, identity verification results, underwriting analyses, and decisions, to and among one or more current and future Lender Parties for the purposes of evaluating, originating, funding, syndicating, securitizing, servicing, collecting, enforcing, or otherwise administering any equipment finance agreement, lease, conditional sale contract, loan, or other credit facility. Applicant acknowledges that this application may be submitted to multiple potential funding sources simultaneously or sequentially, and that each such source may independently obtain credit reports, verification information, and other underwriting data.

3. Identity Verification and Compliance. Applicant and each Guarantor authorize the Lender Parties to verify identity and information through third-party verification services, including without limitation banking, deposit, asset, employment, income, tax, and identity verification providers, and to take such additional steps as may be required to comply with applicable anti-money laundering, know-your-customer (KYC), Office of Foreign Assets Control (OFAC), and USA PATRIOT Act obligations.

4. Communications Consent (TCPA). Applicant and each Guarantor consent to be contacted by the Lender Parties at the telephone numbers (including wireless and mobile numbers) and email addresses provided in this application, including by means of automatic telephone dialing systems, prerecorded or artificial voice messages, SMS/text messages, and electronic mail, for the purposes of processing this application, servicing any resulting credit facility, and providing related notices. Standard message and data rates may apply. This consent is not a condition of obtaining credit and may be revoked in writing at any time.

5. Electronic Records and Signatures (E-SIGN / UETA). Applicant and each Guarantor consent to the electronic delivery of disclosures, agreements, notices, and other documents in connection with this application and any resulting credit facility, and agree that an electronic signature — including a check-box, click-through, typed, or digitized signature — shall be deemed an original signature, satisfies any requirement of a writing, and is legally binding to the same extent as a handwritten signature pursuant to the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Act, as adopted in the applicable state.

6. Truthfulness; No Commitment to Lend. Applicant certifies under penalty of perjury that all information provided in this application is true, accurate, and complete to the best of Applicant's knowledge, and acknowledges that any false, misleading, or omitted information may be grounds for denial of credit, acceleration or termination of any obligation, and/or referral for civil or criminal proceedings under applicable federal and state law, including 18 U.S.C. § 1014 (loan and credit applications). Applicant understands that submission of this application does not constitute an offer or commitment by any Lender Party to extend credit, and that any credit decision is made in the sole and absolute discretion of the Lender, conditioned upon underwriting approval, satisfactory documentation, and any other conditions imposed at the time of approval.

7. Personal Guaranty Notice. Execution of a personal guaranty by one or more principals of the Applicant may be required as a condition of credit approval. All personal guarantors must be of legal age in their state of residence and permanent U.S. residents or U.S. citizens. Each Guarantor's signature on this application or any subsequent documentation shall constitute a separate and independent authorization with respect to such Guarantor, and a Guarantor's authorization may not be revoked unilaterally so long as any guaranteed obligation is outstanding.

8. Privacy and Continuing Authorization (GLBA). Applicant acknowledges receipt of, or access to, the Lender's privacy notice in accordance with the Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.) and authorizes the Lender Parties to share nonpublic personal information as permitted under applicable federal and state privacy laws. The authorizations set forth in this Disclosure are continuing and may be relied upon by any Lender Party for so long as any obligation arising in connection with this application or any resulting credit facility is outstanding.

9. Severability. If any provision of this Disclosure & Authorization is held to be invalid or unenforceable in any respect, such invalidity or unenforceability shall not affect any other provision, and this Disclosure shall be construed as if such invalid or unenforceable provision had not been included.