Lender Partner Agreement

1. Parties and Relationship

This LPA is between FinVerified, Inc. and the financing company enrolling as a lender partner ("Lender"). FinVerified does not originate, underwrite, fund, or service loans. FinVerified does not determine patient creditworthiness or financing eligibility. FinVerified's role is to verify that enrolled healthcare providers present Lender's products to patients in compliance with applicable law.

2. FinVerified's Role

FinVerified verifies that enrolled providers present Lender's products: neutrally and non-coercively (MCF® standard); with accurate disclosure of terms; with patient acknowledgment via Magic Link; with trained and certified staff. FinVerified generates FREB compliance bundles and FV-Clear Certificates as evidence of compliant channel management.

3. Lender Obligations

• Provide accurate, up-to-date product information for display on the platform
• Comply with all applicable federal and state lending laws (TILA, ECOA, state consumer finance statutes)
• Not instruct or incentivize providers to steer patients toward Lender's products in violation of MCF® neutrality standards
• Promptly notify FinVerified of regulatory actions, consent orders, or material product term changes
• Execute a data sharing agreement governing patient data received through the platform

4. Fees

Lender partner fees (if any) are set in the lender enrollment order form. FinVerified may introduce fees with 60 days' written notice.

5. Data

Compliance records and FREB bundles shared with Lender are for compliance and risk management purposes only. Do not use to target patients for additional marketing without appropriate consent.

6. Termination

Either party may terminate with 60 days' written notice. FinVerified may terminate immediately if Lender is subject to regulatory action posing compliance risk to the platform.

7. Contact