Credit

Profile Authorization

By clicking the button to continue with your application for a personal loan or an Upgrade Card with a personal
credit line (“Upgrade Card”) 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 personal loan or Upgrade Card 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 personal loan or Upgrade Card 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 personal loan or Upgrade Card 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 personal loan or Upgrade Card
is approved, now and periodically for as long as you have an active loan or Upgrade Card 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 loan or Upgrade Card or an interest in your
Upgrade Card, to evaluate risks associated with your loan or Upgrade Card and monitor changes to your credit
profile, to display credit information to you, and to analyze data.

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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 personal loan or Upgrade Card 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 personal loan or Upgrade Card or an interest in your Upgrade
Card, and any of our or their respective successors and assignees.

I agree
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