UNDERWRITING CONSENT AND DISCLOSURE AGREEMENT

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Please read this Underwriting Consent and Disclosure Agreement (“Agreement”) carefully. By executing a digital application, clicking “Submit,” “I Agree,” “Proceed,” or otherwise provisioning personal or corporate data assets through the online portals of Reyes Commercial Capital LLC (“Reyes Commercial Capital,” “we,” “us,” or “our”), you grant explicit, legally binding authorization for the data processing, background validation, and inter-entity information transfers detailed herein.

1. AUTHORIZATION FOR CREDIT INVESTIGATIONS AND PROFILE EXTRACTS

By submitting an application or pre-qualification framework, you explicitly authorize Reyes Commercial Capital LLC, and its designated downstream institutional Funding Partners, direct alternative underwriters, and syndicated capital providers, to conduct comprehensive credit and background investigations.

• Consumer and Commercial Reports: You grant express authorization under the Fair Credit Reporting Act (FCRA), found in Title 15 of the United States Code, Section 1681 and following, to obtain, ingest, and systematically evaluate personal and commercial credit reports, credit scores, and associated background history from national consumer reporting bureaus (including Equifax, Experian, and TransUnion).

• Credit Scoring Impact: Initial eligibility assessments and pre-qualification match lifecycles execute exclusively via electronic data telemetry and soft credit inquiries, which do not generate an adverse impact or deduction on your personal or commercial credit scores. You acknowledge that upon formal submission of the application file to specific underwriting lenders for final contracting, such third-party direct lenders may execute hard credit inquiries to finalize capital allocation.

2. REVENUE VERIFICATION AND DIGITAL LEDGER CONSENT

To accelerate the 24-hour business loan approval pipeline, Reyes Commercial Capital utilizes electronic data ingestion tools to analyze cash-flow velocity.

• Bank Token Integration: By linking your corporate banking institution via any integrated read-only financial API or token system (such as Plaid or equivalent data aggregators) utilized on our platform, you grant us an unhindered, continuous, read-only operational license to extract historical transaction ledgers, daily deposit patterns, average bank balances, overdraft return matrices, and cash-flow data.

• Manual Document Processing: If physical bank statements, corporate tax returns, or profit-and-loss (P&L) statements are uploaded, you warrant that all such assets are legitimate and unaltered, and you authorize our underwriting desk to contact your financial institution or accountant directly to verify the absolute accuracy of the deposited volumes.

3. EXPRESS MANDATE FOR INFORMATION DISSEMINATION TO LENDERS

You acknowledge that Reyes Commercial Capital operates as an independent commercial finance intermediary and capital advisory firm, rather than a direct depository banking institution or direct funder.

• Data Pipeline Distribution: You grant Reyes Commercial Capital an explicit, non-exclusive mandate to compile, package, and securely transmit your complete application profile—including Social Security Numbers, Employer Identification Numbers (EINs), government-issued identification cards, financial statements, bank ledger analytics, and beneficial ownership structures—to our nationwide network of institutional lending partners, alternative asset managers, and merchant cash advance underwriters.

• Exclusion of Telephony Sharing: In strict adherence to cellular carrier compliance and A2P 10DLC regulations, your explicit SMS opt-in consent parameters and mobile telephone credentials are fully isolated and excluded from this third-party distribution framework; telephony data is never traded, shared, or transferred for outside promotional purposes.

4. REGULATORY MANDATES AND IDENTITY VERIFICATION (KYC)

To assist the United States government in mitigating financial crimes, terrorist financing, and money laundering activities, Reyes Commercial Capital strictly enforces federal Know-Your-Customer (KYC) and Anti-Money Laundering (AML) identification protocols under the Bank Secrecy Act and the USA PATRIOT Act.

• Identity Authentication: When you apply for corporate financing, we will require and verify your legal name, physical commercial address, date of birth, and government-issued identification numbers (SSN/EIN/Passport).

• Beneficial Ownership Attestation: You certify under penalty of perjury that all natural persons possessing a twenty-five percent (25%) or greater direct or indirect equity ownership stake in the applicant business entity have been accurately disclosed within the onboarding documentation, and that you possess the explicit legal authority to execute this disclosure on behalf of the enterprise and all constituent guarantors.

5. REVENUE MATRIX AND BROKER LIMITATION OF LIABILITY

• Independent Entity Separation: You explicitly acknowledge that once your application data pipeline is successfully transmitted to a syndicated Funding Partner or direct lender, the independent privacy charters and commercial terms of that specific receiving institution govern the transaction.

• Disclaimer of Yield and Execution: Reyes Commercial Capital does not dictate final credit underwriting decisions, interest rates, factor rates, or funding turnaround schedules imposed by external capital sources. Reyes Commercial Capital disclaims all tort, contract, or regulatory liability for financial losses, funding denials, operational delays, or breach of data security occurring downstream within the infrastructure of an independent direct lender.

6. ELECTRONIC SIGNATURE VALIDATION AND ACKNOWLEDGMENT

Pursuant to the federal Electronic Signatures in Global and National Commerce Act (ESIGN Act) and the Uniform Electronic Transactions Act (UETA), you explicitly covenant, declare, and agree that checking the associated submission box or applying a digital signature to this online framework serves as the absolute, legally binding equivalent of an original, handwritten wet ink signature. Your digital consent confirms that you have read, understood, and accept the comprehensive parameters established within this Underwriting Consent and Disclosure Agreement.