You may print these Disclosures using your browser’s print function or save them to your hard drive. By clicking the “Agree” button, you acknowledge that you have read, understand, and consent to be bound by each of the agreements listed above, as further described herein.

As used herein, “you” refers to the business loan applicant (the “Applicant”), whether the Applicant is submitting the credit application on its own behalf or an authorized agent is submitting it on the Applicant’s behalf. If you are acting as an agent, you represent that you have full authority from the Applicant to submit the application and to agree to these Disclosures on the Applicant’s behalf, and you agree to provide written evidence of such authority to Quantum Lending Solutions / Quantum LS LLC (collectively, “Quantum,” “Lender,” “we,” “us,” or “our”) promptly upon our request.

BUSINESS CREDIT APPLICATION ACKNOWLEDGEMENT AND AGREEMENT

Quantum Lending Solutions / Quantum LS LLC

California Finance Lenders License No. 603 L340 | NMLS ID 1587491

This document contains the following customer acknowledgements and agreements (collectively, the “Disclosures”):

• Business Credit Application Acknowledgement and Agreement
• Consent to the Use of Electronic Signature and Electronic Transaction Disclosures
• Consent to Conduct Business Electronically
• Customer Identification Program
• Electronic Submission of Application Agreement

You specifically represent to Quantum LS LLC, including any lenders on our platform, and you agree and acknowledge that:

1. The information provided in this application and all other requested information (collectively, the “Credit Application”) is true, accurate, and complete as of the date submitted to the Lender. 2. The Lender will rely continuously on the representations in the Credit Application when evaluating the request for credit and, if approved, in extending credit; you further acknowledge your obligation to amend or supplement any material information that changes prior to consummation of any loan or other extension of credit. 3. The Lender has not made any commitment to approve the Credit Application or extend credit unless expressly agreed to in writing. 4. The Lender is authorized to conduct any inquiries it deems necessary to verify the accuracy of the information in the Credit Application and is authorized to obtain credit reports on you and your business from credit‑reporting agencies. 5. The Lender is authorized to respond to inquiries from third parties regarding its credit experience with you. 6. The Lender is authorized to retain the Credit Application whether or not credit is approved. 7. If credit is granted, the Lender is authorized to obtain credit information regarding you or your business at any time while any balance remains outstanding, for purposes of servicing, monitoring, collecting, or enforcing the credit obligation. 8. The Lender shall not be liable for any claim arising from the use of information provided by you or for providing such information to others. 9. If applicable, you have obtained written authorization from the Applicant to submit this Credit Application on the Applicant’s behalf. 10. If applicable, you agree to provide a copy of this Credit Application and these Disclosures to the Applicant.

CONSENT TO THE USE OF ELECTRONIC SIGNATURE AND ELECTRONIC TRANSACTION DISCLOSURES

Consent to the Use of Electronic Signature. By clicking any button within this application to proceed, you consent and agree that your use of a keypad, mouse, or other device to select an item, button, icon, or similar action constitutes your signature, acceptance, and agreement as if actually signed by you in writing. You agree that no certification authority or third‑party verification is required for the validity of your electronic signature and that the absence of such certification or verification will not affect the enforceability of your signature or any resulting contract between you and Quantum.

You will receive disclosures, notices, documents, and information (collectively, “Information”) electronically from Quantum. Because we conduct our lending business via the Internet, we require your consent to receive Information and to transact business with us electronically.

You agree that all Information relating to your transactions with us—including website use, the application process, disclosures, documents, payment information, and transaction history—may be provided or made available electronically by email, on our website, or through other electronic means. Your consent applies to all interactions and transactions with us.

You will need a computer or compatible mobile device with the ability to print or save Information presented during the application process. If your device lacks these capabilities, please access our website through a device that provides them.

Please advise us promptly of any change to your email or mailing address so delivery of Information is not interrupted. Our contact information is available on our website.

By continuing, you agree that your electronic signature is effective and enforceable without the need for certification or verification.

CONSENT TO CONDUCT BUSINESS ELECTRONICALLY

CUSTOMER IDENTIFICATION PROGRAM (CIP)

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 who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other identifying information about you and the Applicant. We may also request to view your driver’s license or other identifying documents.

ELECTRONIC SUBMISSION OF APPLICATION AGREEMENT

By clicking the “Submit” button, you agree to submit this Credit Application electronically to the Lender, and you acknowledge that such electronic submission has the same effect as a paper document signed by you.

California Residents. Married applicants may apply for separate accounts.

New York Residents. A consumer credit report may be ordered in connection with this application or subsequently for the update, renewal, or extension of credit. Upon request, you will be informed whether a consumer credit report was ordered and, if so, the name and address of the agency that furnished the report.

Ohio Residents. The Ohio laws against discrimination require that all creditors make credit equally available to all credit‑worthy customers and that credit‑reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Oregon Notice. Under Oregon law, most agreements, promises, and commitments by a lender concerning loans and other credit extensions (not for personal, family, or household purposes and not secured solely by the borrower’s residence) made after October 3, 1989, must be in writing, express consideration, and be signed by the lender to be enforceable. Each Applicant acknowledges receipt of a copy of this application.

Rhode Island and Vermont Residents. A consumer credit report may be ordered in connection with this application or subsequently for the review or collection of the account, increasing the credit line, or other legitimate purposes associated with the account. Vermont residents consent to the obtaining of such reports by submitting this application.

Married Wisconsin Residents. No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin Statutes, or court order under Section 766.70 adversely affects the interest of the creditor, Quantum LS LLC, unless Quantum LS LLC, prior to the time credit is granted, is furnished a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision.

STATE‑SPECIFIC NOTICES

Loans made in California are issued by Quantum LS LLC pursuant to its California Finance Lenders License No. 603 L340.
NMLS ID 1587491