Common use of Financing Services Clause in Contracts

Financing Services. When You join the FINSYNC Network, You are provisioned a lender’s portal (the “Lender’s Portal”) and are then able to receive loan applications from FINSYNC Users with whom You already have a relationship with or new customers in search of a relationship whom appear to fit within your risk profile. When You receive a loan application through your Lender’s Portal, You benefit from advanced analytics, better communication tools and seamless access to other lenders who will help You approve and fund more loans. There is no upfront fee to join the FINSYNC Network. FINSYNC charges $350 per month per bank user (“Bank User”) for use of the Lender’s Portal. A Bank User is an employee of the Bank that logs into the Lender’s Portal to receive loan applications and communicate with FINSYNC Users. ▇▇▇▇▇ who join the Network as a Charter Member will have the Charter Member price and other benefits. In order to join the FINSYNC Network and receive loan applications through your Lender’s Portal, You will need to enroll online and accept these terms or cause these terms to be accepted offline. To establish a Lender’s Portal, You will need to provide your email address to which alerts will be sent when new loan applications are submitted for your review and reply. Required registration information may change from time to time. By providing us with your email address, You agree to receive all required notices electronically, to that email address. It is your responsibility to provide FINSYNC with advanced notice if your email address has changed or if You would like to assign alerts over to a new email address moving forward. FINSYNC agrees that it will provide Bank with the first right to consider any loan application submitted through the Lender’s Portal when FINSYNC is aware that the applicant is a customer of the Bank because the applicant has synced an account with FINSYNC that is with the Bank. In the event applicant syncs bank accounts with multiple members of the FINSYNC Network, the applicant will be directed to the bank with whom they have the best relationship as determined by FINSYNC asking the applicant that question. Optionally, Bank can have a marketing landing page as an extension of the FINSYNC website in addition to other co-branded material and promo codes. All online loan applications through such Bank’s landing page or using a Bank promotional code will go directly to Bank and no other member of the FINSYNC Network. Any Bank promotional code may be tied to one or more pricing concessions as mutually agreed upon from time to time. FINSYNC will use commercially reasonable efforts to match Bank with qualified FINSYNC Users who do not already have an account with another bank within the FINSYNC Network and who need a business loan that meets Bank’s eligibility matrix (“Eligibility Matrix”). Bank will be able to maintain and make edits to its Eligibility Matrix through the Lender’s Portal. You have the option to promote that You are part of the FINSYNC Network to attract and retain more business customers, increase revenue and improve relationship development. You may promote the Payments Service (as an alternative to Zelle or other similar services) and the Cash Flow Management Software (as an alternative to QuickBooks or other similar services) and the Financing Services (as a better way to apply for financing online and the new way banks and online lenders are working together to approve more loans). After Bank has enrolled one or more customers as FINSYNC Users, Bank will be presented a revenue share agreement (the “Revenue Share Agreement”) that will provide Bank a source of revenue on the Payments Service and the Cash Flow Management Software. You can also earn revenue on the Financing Services when You work with other lenders to fund loans that You would have otherwise not made, in addition to the revenue You earn when You use your own funds to approve and close more loans.

Financing Services. When You join the FINSYNC Network, You are provisioned a lender’s portal (the “Lender’s Portal”) and are then able to receive loan applications from FINSYNC Users with whom You already have a relationship with or new customers in search of a relationship whom appear to fit within your risk profile. When You receive a loan application through your Lender’s Portal, You benefit from advanced analytics, better communication tools and seamless access to other lenders who will help You approve and fund more loans. There is no upfront fee to join the FINSYNC Network. FINSYNC charges $350 per month per bank Credit Union user (“Bank Credit Union User”) for use of the Lender’s Portal. A Bank Credit Union User is an employee of the Bank Credit Union that logs into the Lender’s Portal to receive loan applications and communicate with FINSYNC Users. ▇▇▇▇▇ Credit Unions who join the Network as a Charter Member will have the Charter Member price and other benefits. In order to join the FINSYNC Network and receive loan applications through your Lender’s Portal, You will need to enroll online and accept these terms or cause these terms to be accepted offline. To establish a Lender’s Portal, You will need to provide your email address to which alerts will be sent when new loan applications are submitted for your review and reply. Required registration information may change from time to time. By providing us with your email address, You agree to receive all required notices electronically, to that email address. It is your responsibility to provide FINSYNC with advanced notice if your email address has changed or if You would like to assign alerts over to a new email address moving forward. FINSYNC agrees that it will provide Bank Credit Union with the first right to consider any loan application submitted through the Lender’s Portal when FINSYNC is aware that the applicant is a customer of the Bank Credit Union because the applicant has synced an account with FINSYNC that is with the BankCredit Union. In the event applicant syncs bank Credit Union accounts with multiple members of the FINSYNC Network, the applicant will be directed to the bank Credit Union with whom they have the best relationship as determined by FINSYNC asking the applicant that question. Optionally, Bank Credit Union can have a marketing landing page as an extension of the FINSYNC website in addition to other co-branded material and promo codes. All online loan applications through such BankCredit Union’s landing page or using a Bank Credit Union promotional code will go directly to Bank Credit Union and no other member of the FINSYNC Network. Any Bank Credit Union promotional code may be tied to one or more pricing concessions as mutually agreed upon from time to time. FINSYNC will use commercially reasonable efforts to match Bank Credit Union with qualified FINSYNC Users who do not already have an account with another bank Credit Union within the FINSYNC Network and who need a business loan that meets BankCredit Union’s eligibility matrix (“Eligibility Matrix”). Bank Credit Union will be able to maintain and make edits to its Eligibility Matrix through the Lender’s Portal. You have the option to promote that You are part of the FINSYNC Network to attract and retain more business customers, increase revenue and improve relationship development. You may promote the Payments Service (as an alternative to Zelle or other similar services) and the Cash Flow Management Software (as an alternative to QuickBooks or other similar services) and the Financing Services (as a better way to apply for financing online and the new way banks Credit Unions and online lenders are working together to approve more loans). After Bank has enrolled one or more customers as FINSYNC Users, Bank will be presented a revenue share agreement (the “Revenue Share Agreement”) that will provide Bank a source of revenue on the Payments Service and the Cash Flow Management Software. You can also earn revenue on the Financing Services when You work with other lenders to fund loans that You would have otherwise not made, in addition to the revenue You earn when You use your own funds to approve and close more loans.

Financing Services. When You join the FINSYNC Network, You are provisioned a lender’s portal (the “Lender’s Portal”) and are then able to receive loan applications from FINSYNC Users with whom You already have a relationship with or new customers in search of a relationship whom appear to fit within your risk profile. When You receive a loan application through your Lender’s Portal, You benefit from advanced analytics, better communication tools and seamless access to other lenders who will help You approve and fund more loans. loans There is no upfront fee to join the FINSYNC Network. FINSYNC charges Use of the Lender’s Portal is free until You have used your Lender’s Portal to fund one or more loans, and thereafter the fee for ongoing usage becomes $350 per month per bank Lender user (“Bank Lender User”) for use of the Lender’s Portal. A Bank ), a Lender User is an employee of the Bank that logs into the Lender’s Portal to receive loan applications and communicate with FINSYNC Users. ▇▇▇▇▇ who join the Network as a Charter Member will have the Charter Member price and other benefitsOne Lender User should be sufficient to handle one hundred or more loan applications per month. In order to join the FINSYNC Network and receive loan applications through your Lender’s PortalLending Network, You you will need to enroll online and accept these terms or cause these terms to be accepted offline. To establish a Lender’s Portal, You you will need to provide your email address to which alerts will be sent when new loan applications are submitted for your review and reply. Required registration information may change from time to time. By providing us with your email address, You you agree to receive all required notices electronically, to that email address. It is your responsibility to provide FINSYNC us with advanced advance notice if your email address has changed or if You you would like to assign alerts over to a new email address moving forward. FINSYNC agrees that it will provide Bank with the first right to consider any loan application submitted through the Lender’s Portal when FINSYNC is aware that the applicant is a customer of the Bank because the applicant has synced an account with FINSYNC that is with the Bank. In the event applicant syncs bank accounts with multiple members of the FINSYNC Network, the applicant will be directed to the bank with whom they have the best relationship as determined by FINSYNC asking the applicant that question. Optionallyif Lender chooses, Bank can have a marketing landing page as an extension of the FINSYNC website in addition to other co-branded material and promo codes. All online loan applications through such BankLender’s landing page or using a Bank Lender promotional code will go directly to Bank Lender and no other member of the FINSYNC NetworkLending Network if an applicant signs up for the FINSYNC Services. Any Bank Lender promotional code may be tied to one or more pricing concessions as mutually agreed upon from time to time-to-time. FINSYNC will use commercially reasonable efforts to match Bank Lender with qualified FINSYNC Users who do not already have an account with another bank within lender that is a member of the FINSYNC Lending Network and who need needs a business loan that meets Bank▇▇▇▇▇▇’s eligibility matrix (“Eligibility Matrix”). Bank Lender will be able to maintain and make edits to its Eligibility Matrix through the Lender’s Lender Portal. You have the option Lender will use commercially reasonable efforts to promote that You are advertise it is part of the FINSYNC Network to attract and retain more business customerspromote FINSYNC’s Payments Service, increase revenue and improve relationship development. You may promote the Payments Service (as an alternative to Zelle or other similar services) and the Cash Flow Management Software (as an alternative to QuickBooks or other similar services) and the Financing Services (as a better way to apply for financing online and the new way banks and online lenders are working together to approve more loans)Services. After Bank Lender has enrolled one or more customers as FINSYNC Userscustomers, Bank Lender will be presented a revenue share agreement (the “Revenue Share Agreement”) that will provide Bank Lender a source of revenue on FINSYNC’s subscription and transaction-based services. FINSYNC is responsible for all customer support related matters regarding the Payments Service FINSYNC Service. Lender may use FINSYNC’s logo and other marketing material in an effort to grow its business, and FINSYNC may use Lender’s logo on its website and other marketing materials to help drive business and awareness to Lender. Each party shall comply in all respects with the Cash Flow Management Softwareother party’s brand policies and standards before using such party’s logos and other trademarks in public. You can also earn revenue on When FINSYNC Users submit loan requests to Lender through the Financing Services when You work Lender Portal, the Lender will be electronically notified that a current or prospective customer wishes for a loan subject to satisfactory terms. Lender, in its sole discretion, shall conduct its due diligence of FINSYNC Users to determine whether to extend a loan to the applicant. ▇▇▇▇▇▇ will have access to all the financial information a FINSYNC User has agreed to share through the Lender Portal. Lender will complete the due diligence and underwriting review using the data obtained through the Lender Portal with respect to the loan application in accordance with ▇▇▇▇▇▇’s custom and practice. Lender may request additional information from a FINSYNC User through the Lender Portal or by contacting the FINSYNC User directly. Upon completion of ▇▇▇▇▇▇’s own due diligence, Lender shall notify a FINSYNC User whether or not the FINSYNC User has been approved by Lender or another member of the FINSYNC Lending Network using the Lender Portal or by the Lender’s preferred method. Lender may, in ▇▇▇▇▇▇’s sole discretion, extend a loan to a FINSYNC User directly or by working in concert with other lenders to fund loans that You would have otherwise not made, in addition to members of the revenue You earn when You use your own funds to approve and close more loansFINSYNC Lending Network.