Credit

Profile Authorization

By clicking the button to continue with your application for a loan or other credit product through Upgrade
(“Financial Product”) or otherwise taking an affirmative action indicating your agreement to this authorization,
you authorize Upgrade, Inc. (DBAs include Universal Credit and the names at www.upgrade.com/landing/dba)
(“Upgrade”, “we”, “us”, or “our”), which operates an online marketplace platform through which consumers
may apply for financial products and services from bank partners, to obtain and use your personal credit profile
and/or other information from one or more consumer reporting agencies, such as TransUnion, Experian, or
Equifax, as described below.

You acknowledge and agree that we may use such information for any purpose permitted by law, including:

To authenticate you are who you say you are;

To make credit decisions;
To determine your current debt-to-income ratio; and
To obtain a credit score.

You agree that when you check whether you qualify for a Financial Product and review your offers, a soft inquiry
will be performed on your credit report, which will not impact your credit score. You agree that we may use
such information to check whether you qualify for a Financial Product and to determine your eligibility for and
offer you additional financial products or services from the Upgrade platform for up to 30 calendar days
following your application, provided that you may opt out from receiving new offers by email by contacting us
at support@upgrade.com. A separate soft inquiry will also occur when you accept an offer and submit your bank
account information. If your Financial Product is approved and opened, a hard inquiry will be performed, which
may impact your credit score and can be viewed by third parties.

You further agree that we may collect information from credit bureaus after your Financial Product is approved,
now and periodically for as long as you have an active Financial Product on the Upgrade platform, in order to
consider whether to allow additional advances and determine the terms of advances, to provide data to
investors that may be interested in purchasing your Financial Product or an interest in your Financial Product, to
evaluate risks associated with your Financial Product and monitor changes to your credit profile, to display
credit information to you, and to analyze data.

COPY
You authorize us to verify information in your credit report, and you agree that we may contact third parties
without further notice to you to verify any and all information as it relates to the above matters or which you
have provided to us in connection with a request or application for credit or to administer or monitor your
account if a Financial Product is approved.

In connection with the foregoing purposes, you authorize us to share all or parts of your consumer reports with
our bank partners, agents, any purchaser of your Financial Product or an interest in your Financial Product, and
any of our or their respective successors and assignees.

I agree

REPORT FOOTER 1 / 1
Original Document hash: xlPoqMf0XjyZBdAA4wTmbRQXVmkGl5kJDDZ4rZSHdBc=

COPY