Important Disclosures

1. BROKER DISCLOSURE

1.1 Nature of Our Services

Bridge Capital LLC ("Bridge Capital") operates as a commercial finance broker registered and operating under the laws of the State of Delaware. Our services include:

• Receiving and processing funding applications from businesses;
• Analyzing business financial profiles and funding needs;
• Matching applicants with appropriate third-party funding sources;
• Facilitating communications between applicants and funding partners;
• Assisting with document preparation and submission;
• Providing guidance throughout the funding process.

1.2 No Lending Activity

Bridge Capital does not: (a) make loans; (b) extend credit; (c) provide merchant cash advances; (d) factor invoices; (e) lease equipment; or (f) engage in any other form of direct lending or financing. All funding is provided by independent third-party funding sources with which Bridge Capital has business relationships.

1.3 No Guarantee of Funding

Submission of an application does not guarantee approval or funding. All funding decisions are made solely by our funding partners in their absolute discretion based on their own underwriting criteria. Bridge Capital has no control over and makes no representations regarding: (a) approval or denial of applications; (b) funding amounts; (c) rates or factor rates; (d) repayment terms; (e) funding timelines; or (f) any other terms of funding.

2. BROKERAGE FEE DISCLOSURE

2.1 When Fees Are Charged

The Brokerage Fee (also known as "Facilitation Fee" or "Broker Commission") is earned upon successful funding and becomes due and payable immediately upon:

• Confirmation that funding has been deposited to your designated bank account; OR
• Execution of final funding documents with a third-party funding source,
• whichever occurs first.

2.2 Fee Calculation Examples

2.3 Non-Refundable Fees

ALL BROKERAGE FEES ARE NON-REFUNDABLE once funding has been provided. Refunds will not be issued regardless of: (a) subsequent default on the funding; (b) early payoff of the funding; (c) disputes with the funding source; (d) business closure; (e) dissatisfaction with funding terms; or (f) any other circumstance. The fee compensates Bridge Capital for services already rendered in facilitating the funding transaction.

3. ACH DEBIT AUTHORIZATION DISCLOSURE

3.1 Authorization Terms

By linking your bank account through Plaid or providing bank account information to Bridge Capital, and by accepting funding through our platform, you hereby authorize Bridge Capital LLC and its payment processor (Airwallex or designated successor) to initiate Automated Clearing House (ACH) debit entries from your designated bank account as follows:

• Initial Debit: A one-time ACH debit for the full Brokerage Fee amount, initiated within twenty-four (24) to seventy-two (72) hours of confirmed funding;
• Retry Debits: In the event of insufficient funds, account closure, or other payment failure, up to three (3) retry attempts at intervals determined by Bridge Capital;
• Return Fees: Collection of any applicable return item fees (not to exceed $50.00 per occurrence) in the event of a returned ACH debit;
• Partial Payments: If the full fee cannot be collected, Bridge Capital may initiate multiple partial debits until the obligation is satisfied.

3.2 Duration of Authorization

This ACH authorization shall remain in full force and effect until: (a) all fee obligations to Bridge Capital have been satisfied in full; AND (b) you have provided written notice of revocation to Bridge Capital at least ten (10) business days prior to the next scheduled debit. Revocation of this authorization does not release you from liability for any fees owed.

3.3 Your Rights Under NACHA Rules

Under NACHA Operating Rules and applicable law, you have the right to:

• Receive advance notice of the amount and date of each ACH debit (provided via email to your address on file);
• Dispute unauthorized transactions with your bank within sixty (60) days;
• Request a copy of this authorization at any time;
• Revoke this authorization with proper notice (note: revocation does not eliminate the debt).

3.4 Bank Account Information

You represent and warrant that: (a) you are the owner or authorized signatory on the bank account; (b) the account is held at a U.S. financial institution; (c) the account permits ACH debits; (d) you have sufficient funds or overdraft protection to cover anticipated debits; and (e) you will notify Bridge Capital immediately of any changes to account information.

4. CREDIT REPORTING AND INQUIRY DISCLOSURE

4.1 Consumer Credit Inquiries

By submitting an application through Bridge Capital, you authorize us and our funding partners to obtain consumer credit reports from one or more of the following consumer reporting agencies:

• Experian (www.experian.com)
• Equifax (www.equifax.com)
• TransUnion (www.transunion.com)

Impact on Credit Score: Initial soft inquiries by Bridge Capital typically do not affect your credit score. However, funding partners may perform hard inquiries as part of their underwriting process, which may temporarily lower your credit score.

4.2 Business Credit Inquiries

You also authorize us to obtain business credit reports from:

• Dun & Bradstreet
• Experian Business
• Equifax Business
• LexisNexis Risk Solutions

4.3 Credit Reporting

Bridge Capital may report information about your account to consumer reporting agencies, including: (a) payment history on brokerage fees; (b) collection accounts for unpaid fees; and (c) any settlements or judgments. Negative information may remain on your credit report for up to seven (7) years.

5. BANK ACCOUNT VERIFICATION DISCLOSURE

5.1 Plaid Integration

Bridge Capital uses Plaid Inc. ("Plaid") to verify your bank account and retrieve financial information. By linking your bank account, you:

• Authorize Plaid to access your bank account information using your login credentials;
• Grant permission to retrieve account balances, transaction history, and account holder information;
• Acknowledge that Plaid's services are subject to Plaid's End User Privacy Policy (https://plaid.com/legal/);
• Understand that Bridge Capital will receive and store certain financial information obtained through Plaid.

5.2 Information Retrieved

Through bank verification, we may access:

• Account holder name and address;
• Account numbers and routing numbers;
• Account balances (current and available);
• Transaction history (typically 3-24 months);
• Average daily balance calculations;
• Deposit patterns and revenue estimates;
• NSF/overdraft frequency.

6. ELECTRONIC SIGNATURE DISCLOSURE

6.1 Consent to Electronic Transactions

By using Bridge Capital's services, you consent to conduct transactions electronically and to receive electronic records and disclosures in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq., and applicable state law.

6.2 Validity of Electronic Signatures

You agree that: (a) your electronic signature is legally equivalent to your handwritten signature; (b) electronic documents have the same legal effect as paper documents; (c) you will not contest the validity of any document solely because it is in electronic form; and (d) your electronic acceptance constitutes your binding agreement to the terms presented.

6.3 Hardware and Software Requirements

To access and retain electronic records, you need:

• A computer or mobile device with internet access;
• A current web browser (Chrome, Firefox, Safari, or Edge);
• Software to view PDF documents (Adobe Acrobat Reader or equivalent);
• A valid email address;
• Sufficient storage space to retain electronic records.

6.4 Right to Paper Copies

You may request paper copies of any electronic record by contacting us at legal@bridgecapital.io. Paper copies may be subject to a processing fee of up to $25.00.

7. COMMUNICATION AND TCPA DISCLOSURE

7.1 Consent to Communications

By providing your contact information, you expressly consent to receive communications from Bridge Capital, including:

• Telephone Calls: Including calls made using an automatic telephone dialing system (autodialer) and/or prerecorded or artificial voice messages;
• Text Messages (SMS/MMS): Including automated text messages;
• Emails: Including marketing and promotional emails;
• Push Notifications: If you use our mobile application.

7.2 TCPA Disclosure

This consent is provided pursuant to the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227. You understand that: (a) consent is not required as a condition of purchasing any goods or services; (b) you may receive multiple communications per day; (c) standard message and data rates may apply; and (d) you may opt out at any time.

7.3 How to Opt Out

You may revoke consent to marketing communications at any time by:

• Replying "STOP" to any text message;
• Clicking "unsubscribe" in any email;
• Calling (888) 555-FUND;
• Emailing optout@bridgecapital.io.

Note: Opting out of marketing communications does not opt you out of transactional communications related to your application or account.

8. REGULATORY DISCLOSURES

8.1 State Licensing

Bridge Capital operates as a commercial finance broker. Licensing requirements vary by state. Bridge Capital maintains all licenses required for its operations and complies with applicable state and federal regulations.

8.2 Non-Bank Lender Disclosure (California)

For California residents: Bridge Capital is not a bank or depository institution. Funding obtained through our platform is provided by third-party funding sources that may or may not be licensed in California. California financing law may provide certain protections for small business borrowers.

8.3 New York Commercial Financing Disclosure

For New York businesses: Pursuant to New York Commercial Financing Disclosure Law, you may receive a standardized disclosure form from the funding source prior to consummation of any commercial financing transaction exceeding $2,500.

8.4 Equal Opportunity

Bridge Capital is an equal opportunity broker. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, receipt of public assistance, or exercise of any right under the Consumer Credit Protection Act.

9. DISPUTE RESOLUTION DISCLOSURE

Pursuant to our Terms of Service, most disputes between you and Bridge Capital will be resolved through binding arbitration administered by the American Arbitration Association. Key provisions include:

• Waiver of Jury Trial: You waive the right to a jury trial;
• Class Action Waiver: You waive the right to participate in class actions;
• Location: Arbitration will be held in Wilmington, Delaware;
• Governing Law: Delaware law applies;
• Small Claims Exception: Claims within small claims court jurisdiction may be filed in court.

For complete arbitration terms, please review our Terms of Service.

10. RISK DISCLOSURE

10.1 Business Financing Risks

Before accepting any funding, you should carefully consider the following risks:

• Cost of Capital: Business financing can be expensive. Interest rates, factor rates, and fees vary significantly and may be higher than traditional bank loans;
• Cash Flow Impact: Regular payments may strain your business cash flow. Ensure you can meet payment obligations;
• Personal Guarantee: Many funding products require a personal guarantee, putting your personal assets at risk;
• Collateral: Some products require collateral. Failure to pay may result in loss of business assets;
• Credit Impact: Default may negatively impact your personal and business credit scores;
• Stacking: Taking multiple advances simultaneously ("stacking") significantly increases risk of default;
• Refinancing: Refinancing before maturity may result in additional fees and higher total costs.

10.2 Recommendation

We strongly recommend that you: (a) carefully review all funding terms before acceptance; (b) consult with a financial advisor or attorney if you have questions; (c) compare offers from multiple sources; (d) ensure you understand the total cost of capital; and (e) only accept funding that you are confident your business can repay.

11. CONTACT INFORMATION AND COMPLAINTS

12. ACKNOWLEDGMENT