Hardline Forms Library

Borrower Business-Purpose Certification — Loan File Form

Deal ID: [____________________________]

Property address: [____________________________]

Property APN / parcel ID: [____________________________]

Loan amount requested: $[____________________________]

Anticipated closing date: [______/______/__________]

Lender name (if known): [____________________________]

Borrower entity name: [____________________________]

Borrower entity state of formation: [____________________________]

Borrower entity tax ID (last four): [____________________________]

Each guarantor (full legal name): [____________________________]

The undersigned (the “Borrower”), for itself and each guarantor signing below, hereby certifies, represents, and warrants to the Lender and to Hardline, as of the date signed and at funding:

(a) Use of Proceeds. The loan proceeds will be used solely for one or more of the following business, commercial, or investment purposes (check all that apply and complete the schedule):

[ ] Acquisition of investment real property held for resale, lease, or rehabilitation.

[ ] Rehabilitation, renovation, or construction of investment real property.

[ ] Refinancing of an existing business-purpose loan secured by such real property.

[ ] Working capital for a real-estate operating business with the Property as collateral.

[ ] Cash-out for further acquisition or rehabilitation of additional investment real property.

[ ] Other business / commercial purpose (describe): [____________________________].

No portion of the proceeds will be used to repay personal debt (including debt secured by the Borrower’s principal residence), to fund personal expenditure, or to purchase a personal-use asset.

(b) Use-of-Proceeds Schedule. Borrower estimates the disposition of proceeds at closing as follows:

Purchase price to seller: $[____________________________]

Rehabilitation / construction reserve: $[____________________________]

Payoff of prior business-purpose lien: $[____________________________]

Closing costs (title, escrow, recording): $[____________________________]

Lender points, fees, and prepaid interest: $[____________________________]

Working capital to entity operating account: $[____________________________]

Other (describe): $[____________________________]

Total: $[____________________________]

(c) Property Use and Occupancy Attestation. The Property is, and during the term of the loan will be, held solely for investment, rental, rehabilitation-for-resale, or commercial purposes. The Property is not, and during the term of the loan will not be, occupied as a principal dwelling, second home, vacation home, pied-à-terre, or any other residence by (i) the Borrower or any principal of Borrower, (ii) any guarantor, (iii) any Immediate Family Member, or (iv) any entity in which any of the foregoing holds a beneficial interest. The Property has not, within the twelve (12) months preceding the date of this certification, been occupied by any such person as a principal dwelling, second home, or other residence.

(d) Immediate-Family Disclosure. “Immediate Family Member” means any spouse, domestic partner, parent, child, sibling, parent-in-law, sibling-in-law, child-in-law, or any individual residing in the household of the Borrower or any guarantor. Borrower discloses any Immediate Family Member who has resided at or occupied the Property at any time in the preceding twenty-four (24) months (write “none” if none): [____________________________].

(e) Comment 3(a)-3 Five-Factor Recital. Borrower further represents, with respect to the five factors identified in Official Staff Commentary to Regulation Z, 12 C.F.R. § 1026.3(a), Comment 3(a)-3:

(1) Primary occupation. Borrower’s primary occupation, or the primary business of the borrowing entity, includes the acquisition, rehabilitation, leasing, management, or resale of investment real property; or, if Borrower’s primary occupation is otherwise, Borrower nonetheless engages in real-estate investment as a substantial business activity, separately accounted for and separately taxed.

(2) Personal management. The Property is, or will be at closing, managed by Borrower, an affiliate of Borrower, or a third-party property manager in a business capacity, and is not maintained as if it were a personal residence.

(3) Income ratio. A material portion of Borrower’s income (or, in the case of an entity Borrower, substantially all income) attributable to the Property is expected to come from rents, resale proceeds, or other business returns, and not from personal use.

(4) Transaction size. The loan size is consistent with the acquisition, rehabilitation, or refinancing cost of a real-estate investment property and is not consistent with personal consumption.

(5) Statement of purpose. Borrower hereby states in writing, and the Lender will rely upon this statement, that the loan is for business, commercial, or investment purposes only. Borrower acknowledges that this statement is one of five factors and that the Lender is entitled to corroborate the remaining factors from documents and information Borrower provides.

(f) Disbursement. Loan proceeds, other than amounts paid at closing to third parties (sellers, contractors, taxing authorities, the Lender, or other costs of closing), will be disbursed to the borrowing entity’s business operating account, and not to any personal account of Borrower or any guarantor.

(g) Insurance. The Property is or will be insured under a landlord, dwelling-fire, commercial property, or builder’s-risk policy appropriate to its non-owner-occupied investment use, and not under a homeowner’s policy.

(h) Dwelling-Status Acknowledgment. Borrower acknowledges that the Property may meet the definition of a “dwelling” under Regulation Z, 12 C.F.R. § 1026.2(a)(19). Borrower and Lender have nonetheless determined that the loan is not a consumer credit transaction because it is extended primarily for business, commercial, or investment purposes within the meaning of 12 C.F.R. § 1026.3(a). The consumer-credit protections of the Truth in Lending Act, including any right of rescission under 15 U.S.C. § 1635, are not intended by the parties to apply on the basis of the foregoing.

(i) Reliance, Survival, Penalty. Borrower acknowledges that the Lender and Hardline will rely on this certification in deciding whether to extend credit and in operating the Service. The certifications survive closing and remain in effect throughout the term of the loan. Misrepresentation in this certification is a material breach of the Borrower Marketplace Addendum and may constitute wire fraud (18 U.S.C. § 1343), bank fraud (18 U.S.C. § 1344), or false statement to a financial institution (18 U.S.C. § 1014).

Lender Per-State Attestation Schedule — Schedule A.2-1 to the Lender Marketplace Addendum

Lender legal name: [____________________________]

Lender entity type: [____________________________]

State of formation: [____________________________]

NMLS ID (if any): [____________________________]

Schedule effective date: [______/______/__________]

Schedule type: [ ] Initial onboarding   [ ] Annual re-cert   [ ] Event-driven update

Prior schedule version: [____________________________]

For each state in which Lender intends to fund, broker, or arrange a loan through the Service in the next twelve (12) months, complete one row. Add rows as needed.

State: [____________________________]

Path (check one): [ ] Licensed   [ ] Statutory exemption   [ ] Broker-arranged (broker holds license)

License or exemption citation (statute and section): [____________________________]

License type (Finance Lender / Mortgage Lender / Mortgage Banker / Commercial Mortgage Banker / Consumer Finance / Real Estate Broker / Industrial Loan & Thrift / other): [____________________________]

License or registration number: [____________________________]

Issuing regulator: [____________________________]

License issue date: [______/______/__________]

License expiration date: [______/______/__________]

License status (active / pending / suspended / revoked / surrendered): [____________________________]

Anticipated loan volume (state-12-month rolling count): [____________________________]

Anticipated aggregate loan amount (state-12-month rolling): $[____________________________]

If exemption, factual basis for exemption (loan-count cap, entity-borrower exclusion, family-only exemption, institutional-lender carve-out, etc.): [____________________________]

For each state listed above, Lender separately initials the applicable acknowledgment(s):

California. [____] Lender acknowledges that (i) business-purpose status does NOT exempt the Lender under the California Financing Law (Cal. Fin. Code §§ 22000 et seq.), (ii) the Cal. Fin. Code § 22050(a) one-loan exemption is volume-limited, (iii) Cal. Civ. Code § 1632 requires translated-document delivery in five enumerated languages where pre-contract negotiation is primarily conducted in that language, and (iv) the usury framework under Cal. Const. Art. XV depends on broker arrangement or CFL licensure.

Arizona. [____] Lender acknowledges that Arizona separately licenses commercial mortgage bankers and commercial mortgage brokers; business-purpose alone is not a safe-harbor exemption from licensure on AZ non-owner-occupied real property.

Florida. [____] Lender acknowledges that Florida Statutes Chapter 494 does NOT contain a TILA-style business-purpose carve-out for 1–4 family real property; an OFR-issued Mortgage Lender license number is required for any Florida 1–4 family listing, and the § 494.00115 family-only de minimis exemption is narrow.

Georgia. [____] Lender acknowledges Georgia’s criminal usury cap at O.C.G.A. § 7-4-18 and confirms the proposed interest rate, points, default rate, and exit fees, computed on an effective annual basis, do not exceed the statutory ceiling.

Texas. [____] Lender acknowledges (i) Texas Constitution Art. XVI § 50, including that non-purchase-money business-purpose loans on a homestead are categorically void, (ii) the entity-borrower structure does not by itself defeat homestead, and (iii) Texas usury under § 303.009 and Chapter 306 caps most commercial loans at 18% with civil forfeiture and treble damages.

Michigan. [____] Lender acknowledges Michigan’s 25% criminal usury statute (MCL 438.41) applies to interest in excess of the statutory cap, and that aggregate effective rate inclusive of points, fees, default rate, and prepayment penalty must be analyzed against the cap.

Pennsylvania. [____] Lender acknowledges Pennsylvania’s Loan Interest and Protection Law (Act 6 of 1974), 41 P.S. §§ 101 et seq., including the > $50,000 commercial-loan carve-out and the application of Act 6 to loans secured by Pennsylvania real estate notwithstanding choice-of-law clauses.

Tennessee. [____] Lender acknowledges that the Tennessee Industrial Loan and Thrift Act (T.C.A. §§ 45-5-101 et seq.) reaches commercial as well as consumer lending and that a Tennessee ILT certificate of registration may be required even where the Tennessee SAFE Act is inapplicable.

North Carolina. [____] Lender acknowledges that the North Carolina Commissioner of Banks has historically been aggressive in regulating out-of-state private lenders, and that NCGS Chapter 53 does not contain a TILA-style business-purpose carve-out parallel to Regulation Z.

For each state not specifically listed above where Lender intends to fund, Lender separately attests that (a) Lender holds an active license issued by that state’s relevant financial-services regulator authorizing the making, brokering, or arranging of business-purpose loans secured by non-owner-occupied real property in that state, or (b) Lender qualifies for a specific statutory exemption from licensure cited above in Form 2-B.

By signing below, Lender re-certifies that every cell in Form 2-B and every initialed acknowledgment in Form 2-C is true, accurate, and complete as of the schedule effective date; that Lender has obtained independent legal advice as necessary; that Lender will update this Schedule within ten (10) business days of any triggering event; and that this Schedule supersedes any prior Schedule A.2-1.

Wire-Fraud Acknowledgment — Read Before Sending or Receiving Any Wire

Deal ID: [____________________________]

Property address: [____________________________]

Anticipated funding date: [______/______/__________]

Signing party: [ ] Borrower   [ ] Lender

The undersigned (the “Acknowledging Party”) acknowledges, attests, and agrees:

(a) Wire fraud is the most common form of financial crime in real-estate transactions, and losses are typically unrecoverable. Criminals impersonate title companies, closing agents, attorneys, lenders, and borrowers, and send falsified wire instructions to redirect loan proceeds and closing funds to fraudulent accounts.

(b) Verification Protocol Attestation. Acknowledging Party affirms: “I will independently verify wire instructions by voice call to a known and previously verified telephone number for the intended recipient, obtained outside the Service, before sending any wire. I will not rely on telephone numbers, email addresses, or links contained in the same email, message, or document that contains the wire instructions themselves. I will confirm the wire instructions verbally with a known individual at the intended recipient and obtain a callback reference.”

(c) Acknowledging Party will be alert to indicators of wire fraud, including last-minute changes to wire instructions; pressure to send funds urgently; instructions to wire to an out-of-state bank when the title company is local; email addresses or domains that differ subtly from prior correspondence; requests to use cryptocurrency or unfamiliar payment rails; and any change to the named beneficiary on the wire.

(d) Acknowledging Party acknowledges that Hardline does not generate, verify, transmit, or guarantee any wire instructions; that Hardline is not a money transmitter, money services business, payment processor, or escrow agent; and that funding moves directly between Borrower and Lender, outside the Service. Acknowledging Party waives any claim against Hardline for any loss arising from wire fraud, business email compromise, payment misdirection, or related schemes, to the maximum extent permitted by law.

(e) Acknowledging Party acknowledges that this form is signed in addition to and not in lieu of the wire-fraud disclosures in Disclosures § 4 and Borrower Addendum § B.6 (or Lender Addendum equivalent), each of which remains in full force.

(f) Verbal-verification log (to be completed before the first wire on this deal):

Recipient name verbally confirmed with: [____________________________]

Recipient phone number (independently sourced — how obtained): [____________________________]

Date / time of verification call: [____________________________]

Callback reference, if any: [____________________________]

Full legal name: [____________________________]

Email address associated with the account (if any): [____________________________]

Alternate email for response: [____________________________]

State of residence: [____________________________]

Are you submitting on your own behalf or as an authorized agent? [ ] Self   [ ] Authorized agent (attach completed Form 5)

Are you a current, former, or prospective User of Hardline? [ ] Current   [ ] Former   [ ] Prospective / never had an account

[ ] Right to Know / Access — categories and specific pieces of Personal Information collected, sources, business purposes, recipients, retention periods.

[ ] Right to Delete — deletion of Personal Information, subject to statutory and operational exceptions (GLBA, BSA/AML, fraud prevention, legal hold).

[ ] Right to Correct — correction of inaccurate Personal Information.

[ ] Right to Port — portability of Personal Information in a structured, commonly used, machine-readable format.

[ ] Right to Opt Out of Sale or Sharing — opt out of any sale or sharing of Personal Information for cross-context behavioral advertising.

[ ] Right to Opt Out of Targeted Advertising — opt out of targeted advertising processing.

[ ] Right to Opt Out of Profiling — opt out of profiling in furtherance of decisions producing legal or similarly significant effects.

[ ] Right to Limit Use of Sensitive Personal Information — limit use of SPI to disclosed permitted purposes.

[ ] Appeal — appeal a prior decision on a privacy-rights request (state-required where applicable).

[ ] Other (describe): [____________________________].

Describe what you want done and the scope. Identify date ranges, categories of information, accounts, or specific records where known. [____________________________]

If this is an appeal, identify the prior request ID, the date of the prior decision, and the basis on which you appeal: [____________________________]

To prevent fraudulent privacy requests, Hardline verifies identity by matching information you provide against records on file. Please answer the verification questions corresponding to your relationship with Hardline:

(1) Approximate date your account was created (month and year): [____________________________]

(2) Last four digits of the phone number on file: [____________________________]

(3) City and state listed in your account profile: [____________________________]

(4) Most recent deal ID, term-sheet ID, or invoice number (if any): [____________________________]

For high-risk requests (deletion, port of sensitive data) Hardline may require additional verification, including a re-verification step using our identity-verification service provider, or a notarized written declaration. We will tell you exactly what additional verification we need.

Agent legal name: [____________________________]

Agent email: [____________________________]

Agent business name (if any): [____________________________]

Agent registered business address: [____________________________]

Is the agent registered as a data-rights agent in any state? [____________________________]

Attach completed Form 5 (Authorized Agent Designation) signed by the consumer.

Hardline will: (i) acknowledge receipt of your request within ten (10) business days; (ii) verify your identity using the information you provided and, if necessary, request additional information; (iii) respond substantively within forty-five (45) calendar days, or notify you in writing of a single forty-five (45) day extension where reasonably necessary; (iv) deliver records or perform the requested action, or explain in writing why we cannot. We may decline or limit a request to the extent permitted or required by law — for example, where deletion is in tension with GLBA (15 U.S.C. § 6802), Bank Secrecy Act recordkeeping (31 C.F.R. § 1010), tax recordkeeping (26 U.S.C. § 6001), fraud prevention, security, or pending dispute. We will explain any limitation. There is no fee for the first request in a twelve-month period; subsequent requests may carry a reasonable fee.

If you disagree with our decision, you may appeal by submitting this form again with the “Appeal” box checked, within sixty (60) days of our written response.

Authorized Agent Designation — Privacy Rights Request Authorization

Date of designation: [______/______/__________]

Designation valid until: [______/______/__________] (or until revoked in writing; not to exceed two years from the date of designation)

Principal full legal name: [____________________________]

Principal mailing address: [____________________________]

Principal email address: [____________________________]

Principal Hardline account email (if any): [____________________________]

Principal state of residence: [____________________________]

Principal date of birth (optional, for verification): [______/______/__________]

Agent full legal name: [____________________________]

Agent business name (if any): [____________________________]

Agent registered business address: [____________________________]

Agent email: [____________________________]

Agent phone: [____________________________]

Agent state of registration as data-rights agent (if any): [____________________________]

I, the Principal, hereby authorize the Agent identified above to submit the following privacy-rights requests on my behalf, and to receive Hardline’s response, with respect to my Personal Information held by Hardline (check all that apply):

[ ] Right to Know / Access   [ ] Right to Delete   [ ] Right to Correct   [ ] Right to Port

[ ] Right to Opt Out of Sale or Sharing   [ ] Right to Opt Out of Targeted Advertising

[ ] Right to Limit Use of Sensitive Personal Information   [ ] Right to Appeal a Prior Decision

[ ] All of the above

This authorization is limited to the Agent’s submission of the request(s) checked, including receipt of confirmation, verification correspondence, and substantive response. It does not authorize the Agent to act as my legal representative, to settle claims, or to bind me to any agreement.

This Authorized Agent Designation expires automatically on the “valid until” date stated above, or two years after the date of designation, whichever is earlier. I may revoke this designation at any time by sending written notice to privacy@hardlinelending.com from the email address on file with my account, with subject line “Revoke Agent Designation,” identifying the Agent by name. Revocation is effective on receipt; any request submitted by the Agent before revocation may be processed.

I acknowledge that: (a) Hardline may verify my identity directly even where my Agent has submitted a request on my behalf; (b) Hardline may require me to confirm to Hardline that I have indeed provided this Agent with permission; (c) the Agent must implement and maintain reasonable security procedures to protect my Personal Information; (d) if any information in this Designation is materially inaccurate, Hardline may decline or delay the underlying request; and (e) Hardline is not responsible for the Agent’s handling of my information after it is delivered to the Agent.

DMCA Takedown Notice — 17 U.S.C. § 512(c)(3)

Date submitted: [______/______/__________]

(1) Identification of the copyrighted work claimed to have been infringed (title, registration number if any, URL or other identifying information for the original work): [____________________________]

(2) Identification of the material claimed to be infringing and its location on the Service, with sufficient information to allow Hardline to locate it (URL, deal ID, listing ID, message thread, document name, screenshot reference): [____________________________]

(3) Contact information for the complaining party: full legal name [____________________________]; mailing address [____________________________]; phone [____________________________]; email [____________________________].

(4) Good-faith statement. I state under penalty of perjury that I have a good-faith belief that the use of the material identified above in the manner complained of is not authorized by the copyright owner, its agent, or the law.

(5) Accuracy and authority statement. I state, under penalty of perjury under the laws of the United States, that the information in this notification is accurate and that I am the copyright owner or am authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

(6) Acknowledgment regarding misrepresentation. I acknowledge that under 17 U.S.C. § 512(f) any person who knowingly materially misrepresents that material is infringing may be liable for damages, including costs and attorneys’ fees.

DMCA Counter-Notice — 17 U.S.C. § 512(g)(3)

Date submitted: [______/______/__________]

Hardline reference number for the original takedown (if known): [____________________________]

(1) Identification of the material that was removed or to which access was disabled, and the location at which the material appeared before it was removed or disabled (URL, deal ID, listing ID, etc.): [____________________________]

(2) Statement under penalty of perjury. I state under penalty of perjury that I have a good-faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled.

(3) Contact information. Full legal name [____________________________]; mailing address [____________________________]; phone [____________________________]; email [____________________________].

(4) Consent to jurisdiction. I consent to the jurisdiction of the U.S. District Court for the judicial district in which my address is located, or if my address is outside the United States, the U.S. District Court for the District of Delaware. I will accept service of process from the person who submitted the original DMCA Takedown Notice or that person’s agent.

(5) Acknowledgment regarding misrepresentation. I acknowledge that under 17 U.S.C. § 512(f) any person who knowingly materially misrepresents that material was removed or disabled by mistake or misidentification may be liable for damages, including costs and attorneys’ fees.

Notice of Listing Refusal — Owner-Occupancy / Eligibility Gate

Date of notice: [______/______/__________]

Borrower account email: [____________________________]

Listing attempt reference: [____________________________]

Property address (if any): [____________________________]

You attempted to list a deal on Hardline, and our automated checks did not allow the listing to proceed. The specific reason is:

[ ] The property appears to be owner-occupied, second home, or otherwise non-eligible under the business-purpose-only rule (Disclosures § 2; Borrower Addendum § B.1).

[ ] The property is located in a state where Hardline does not currently make the Service available (Disclosures § 3).

[ ] You declined to complete the Business-Purpose Certification.

[ ] You declined to complete identity verification, or identity verification did not return a pass.

[ ] OFAC / sanctions screening returned a result requiring further review.

[ ] Other (specified): [____________________________].

This refusal is not a credit decision, an adverse action under the Equal Credit Opportunity Act (15 U.S.C. §§ 1691 et seq.) or Regulation B (12 C.F.R. Part 1002), a denial of credit, or any other action by a creditor. Hardline is not a creditor, lender, broker, mortgage originator, or money services business. Hardline operates a software platform that connects business-purpose real-estate borrowers and private lenders; Hardline does not extend credit, underwrite loans, approve or deny applications, or set loan terms. The refusal above is Hardline’s decision to exclude a particular deal listing from a private software product on product-eligibility grounds, and not an evaluation of your creditworthiness.

If you are seeking credit, you remain free to apply for credit directly with any lender, in any forum, on any terms; this refusal does not affect any other lender’s view of you and does not appear on any consumer credit report.

If you believe this refusal is in error, you may appeal in writing within thirty (30) days by emailing support@hardlinelending.com with subject line “Listing Refusal Appeal — [Listing Attempt Reference].” Include any documentation (deed, lease, voter registration, utility bill, tax return, entity formation documents) that supports your eligibility. A human reviewer will respond within fifteen (15) business days.

For privacy-rights questions about how Hardline reached this result, see /legal/privacy and /privacy-request.

Questions: support@hardlinelending.com. Hardline Lending, Inc., postal address at /legal/contact.

Pre-Arbitration Notice of Dispute — Terms of Service § 15.8

Date of notice: [______/______/__________]

Claimant role: [ ] User   [ ] Hardline

Claimant full legal name: [____________________________]

Claimant entity name (if any): [____________________________]

Claimant mailing address: [____________________________]

Claimant email: [____________________________]

Claimant phone: [____________________________]

Counsel for claimant (if any): [____________________________]

Hardline account email (if applicable): [____________________________]

Describe the nature of the claim, including the events giving rise to it, the dates of those events, the contractual provisions or statutes alleged to have been violated, and the legal theory or theories on which the claim rests. Identify any specific deal IDs, term-sheet references, or message-thread references implicated. [____________________________]

State each item of relief sought, including dollar amounts where known. For monetary relief, provide a good-faith damages estimate with supporting calculation, or state that no calculation is reasonably possible at this time. [____________________________]

For injunctive or declaratory relief, describe the specific conduct to be enjoined or the right to be declared. [____________________________]

Describe any prior attempts to resolve the claim, including dates of communication and the substance of any settlement discussions. [____________________________]

Pursuant to Terms § 15.8, the parties will engage in good-faith informal negotiation for sixty (60) days following delivery of this notice. Each party shall make reasonably available a representative with settlement authority. No party may initiate arbitration during this sixty-day period. The arbitration statute of limitations is tolled during this period.

Please respond within twenty (20) business days of the date of this notice indicating willingness to engage in informal negotiation, and propose two or more dates and methods (telephone, video) within the sixty-day window. Send response to: [____________________________].

Arbitration Opt-Out Notice — Terms of Service § 15.12

Date of notice: [______/______/__________]

Full legal name (must match name on Hardline account): [____________________________]

Mailing address: [____________________________]

Account email: [____________________________]

Date Terms first accepted (approximate): [______/______/__________]

Version of Terms accepted (if known): [____________________________]

I, the undersigned, hereby give notice that I opt out of Section 15 (Dispute Resolution; Arbitration; Class-Action Waiver) of the Hardline Terms of Service. I understand that this opt-out exits all of Section 15, including the Class Action Waiver in Section 15.5, and that opting out will not adversely affect my account, my eligibility for Hardline’s products, or any fees or pricing applicable to me. I understand that this opt-out applies only to me and only to claims between me and Hardline, and does not affect any agreement to arbitrate disputes with other Users or third parties.

Account Closure and Data Deletion Request

Date of request: [______/______/__________]

Full legal name: [____________________________]

Account email: [____________________________]

Account role: [ ] Borrower   [ ] Lender   [ ] Both   [ ] Other: [____________________________]

State of residence: [____________________________]

Reason for closure (optional — helps us improve): [ ] No longer needed   [ ] Switching to another platform   [ ] Privacy concerns   [ ] Pricing   [ ] Other: [____________________________]

(Check one)

[ ] Full deletion. Delete every category of Personal Information that Hardline is legally permitted to delete. I understand that certain records will be retained for the statutory period (see Form 11-E below).

[ ] Anonymization. Anonymize my Personal Information in Hardline’s analytics and product datasets, but do not delete records required for regulatory compliance.

[ ] Targeted deletion. Delete only the categories I list below: [____________________________].

I acknowledge that Hardline may, and in some cases must, retain certain records notwithstanding my deletion request, including:

(a) Records required under the Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.) and its implementing regulations;

(b) Records required under the Bank Secrecy Act and 31 C.F.R. § 1010 (Customer Identification Program, SAR/CTR, transaction records);

(c) Records required under federal and state tax law (26 U.S.C. § 6001; state analogs);

(d) Records subject to legal hold, pending dispute, regulatory inquiry, or law-enforcement request;

(e) Records used to enforce surviving obligations (indemnification, dispute resolution, IP licenses), as identified in Terms § 17;

(f) Records reasonably necessary to detect and prevent security incidents, fraud, abuse, or illegal activity; and

(g) Records that have been de-identified or aggregated such that they cannot reasonably be associated with an identified or identifiable individual.

Hardline will retain such records for the minimum period required by the applicable rule or until the legitimate business or legal purpose no longer applies.

Even after my account is closed, applicable law (including state breach-notification statutes) may require Hardline to send me notices. Please use the following forwarding email and mailing address for any such required notices:

Forwarding email: [____________________________]

Forwarding mailing address (optional): [____________________________]

Sub-Processor Change Notice

Notice date: [______/______/__________]

Earliest effective date: [______/______/__________] (no earlier than 30 days after notice)

Notice type: [ ] New sub-processor   [ ] Scope expansion   [ ] Replacement   [ ] Location change

Vendor legal name: [____________________________]

Vendor parent or affiliated entity (if any): [____________________________]

Vendor registered jurisdiction: [____________________________]

Vendor primary service offering: [____________________________]

Vendor public website: [____________________________]

Role / service provided to Hardline: [____________________________]

PII categories that will be processed: [____________________________]

Sensitive Personal Information categories (if any): [____________________________]

Whether processing is sub-contracted further (and to whom): [____________________________]

Data location (region(s) where processing occurs): [____________________________]

Data transfer mechanism (where applicable): [____________________________]

Retention period at the sub-processor: [____________________________]

Executed Data Processing Addendum on file: [ ] Yes   [ ] No (notice will not be issued until executed)

Vendor attestation(s) on file: [ ] SOC 2 Type II   [ ] ISO 27001   [ ] HIPAA   [ ] Other: [____________________________]

Date of most recent attestation report: [______/______/__________]

Sub-processor list update reference (version number on /subprocessors after change): [____________________________]

You have the right to object to this sub-processor change at any time before the effective date by emailing privacy@hardlinelending.com with subject line “Sub-Processor Objection.” If your objection cannot be reasonably accommodated and you choose to terminate your account before the effective date as a result, Hardline will not charge any termination fee for the change and will pro-rate any prepaid fees. If you do not object before the effective date, your continued use of the Service after the effective date constitutes acceptance of the change.

Questions about this sub-processor or this notice: privacy@hardlinelending.com.

“Important: Hardline [Terms of Service / Privacy Policy / Lender Addendum / Borrower Addendum] update — effective [DATE]”

Dear [____________________________],

We are writing to give you at least thirty (30) days’ advance notice of a material change to the [Terms of Service / Privacy Policy / Lender Marketplace Addendum / Borrower Marketplace Addendum] that governs your use of Hardline.

What is changing: [____________________________]

Why we are making this change: [____________________________] (typical reasons: clarifying an existing operational practice; reflecting a change in applicable law or regulation; updating an arbitration- or dispute-resolution provision; adding a new product feature; addressing a sub-processor change or vendor migration; correcting an inaccuracy).

Effective date: [______/______/__________].

How to review the change:

(a) The updated, full text is posted at: [____________________________].

(b) A redline showing the prior version with changes marked is posted at: [____________________________].

(c) The complete version archive (every prior version, in order) is available at /legal/archive.

What this means for you. If you continue to use the Service on or after the effective date, you accept the updated terms. If you do not agree, you may terminate this Agreement and close your account at any time before the effective date by visiting Settings → Close Account or emailing support@hardlinelending.com with subject line “Close Account — Disagree with [Document] Update.” You will not be charged a termination fee for closing your account in connection with this change. Closure does not relieve you of obligations incurred prior to closure (see Terms § 17).

Section 15 (Arbitration) special rule. If the change involves Section 15 of the Terms of Service, the change will not apply to disputes that arose before the effective date unless you affirmatively assent. Existing 45-day opt-out rights under Section 15.12 reset to the date of the change.

If you have any questions, please write to legal@hardlinelending.com.

Thank you,

Hardline Lending, Inc.

Approving role: [____________________________]

Approval date: [______/______/__________]

Counsel sign-off reference: [____________________________]

Version number assigned: [____________________________]

Archive URL: /legal/archive/[____________________________]

“Account Suspension Notice — Hardline account [ACCOUNT EMAIL or REFERENCE]”

Dear [____________________________],

This email serves as notice that Hardline has suspended your access to the Service, in whole or in part, pursuant to Section 17 of our Terms of Service.

Reason category (check the applicable):

[ ] Regulatory direction — suspension at the direction of a regulator or law-enforcement authority.

[ ] Suspected fraud, money laundering, or sanctions evasion — including suspected misrepresentation in a business-purpose certification, an entity-formation document, or a wire-instruction exchange.

[ ] Acceptable Use Policy violation — including conduct prohibited by /legal/acceptable-use.

[ ] Fee non-payment — outstanding subscription, listing, or other fees past due (see Terms § 8).

[ ] Risk of harm — conduct that poses a risk of harm, fraud, or legal liability to Hardline, other Users, or third parties.

[ ] Verification failure — failure or revocation of identity-verification, sanctions-screening, or entity-formation verification.

[ ] Other (specified): [____________________________].

Effective date and scope of suspension: Effective [______/______/__________], your account is suspended for the following functions: [ ] new deal listings   [ ] term-sheet submission   [ ] document sharing   [ ] messaging   [ ] log-in   [ ] all.

Action required to cure (if any): [____________________________]. If no cure is available (e.g., regulator-directed suspension), this email will so state.

Appeal path. You may submit an appeal in writing to support@hardlinelending.com with subject line “Suspension Appeal — [ACCOUNT EMAIL].” Include any documents that contradict the basis stated above. A human reviewer will respond within fifteen (15) business days. While your account is suspended, you may continue to access your own records as needed to comply with applicable recordkeeping obligations (see Terms § 17).

Retention of records. During suspension, Hardline retains your User Content and account records under our standard retention schedule and any applicable legal-hold or regulator-directed preservation requirement. Suspension does not by itself trigger deletion.

Hardline reserves all rights, including the right to convert this suspension to termination under Terms § 17 if the underlying basis is not cured or if Hardline determines termination is appropriate.

Sincerely,

Hardline Trust & Safety

Approving role: [____________________________]

Compliance file reference: [____________________________]

Suspension log entry ID: [____________________________]

“Account Termination Notice — Hardline account [ACCOUNT EMAIL or REFERENCE]”

Dear [____________________________],

This email serves as notice that Hardline has terminated your access to the Service and closed your account pursuant to Section 17 of our Terms of Service.

Reason category (check the applicable):

[ ] Material breach of the Terms of Service, the Lender Marketplace Addendum, or the Borrower Marketplace Addendum.

[ ] Suspected fraud, money laundering, sanctions evasion, or other illegal activity.

[ ] Regulator or law-enforcement direction.

[ ] Acceptable Use Policy violation, repeated or material.

[ ] Non-payment of fees following notice and cure period.

[ ] Risk of harm, fraud, or legal liability to Hardline, other Users, or third parties.

[ ] Voluntary termination at User request (see Form 11).

[ ] Other (specified): [____________________________].

Effective date: [______/______/__________]. As of this date, your right to access the Service has ceased.

Data-retention treatment. Hardline will retain or delete your data as follows: (a) records subject to legal hold, pending dispute, regulator inquiry, or law-enforcement request will be retained until the hold is lifted; (b) records required under GLBA, the Bank Secrecy Act, 31 C.F.R. § 1010, federal and state tax law, and breach-notification statutes will be retained for the applicable statutory period; (c) records reasonably necessary to detect and prevent security incidents, fraud, abuse, or illegal activity will be retained for our standard fraud-prevention retention window; (d) other records will be deleted or anonymized in accordance with our retention schedule. You may submit a privacy-rights request under Form 4 with respect to records retained after termination.

Surviving obligations. Sections 6 (license to User Content), 7, 8 (fees accrued prior to termination), 9 (post-termination prohibitions), 10, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, and 23 of the Terms of Service survive termination, together with any other provisions that by their nature should survive. Indemnification, dispute resolution, and limitation-of-liability provisions remain in full force.

What you may need to do. Take steps as necessary to preserve copies of any of your own records you may need (deal lifecycle history, term sheets, signed certifications) by submitting a Form 4 access request within thirty (30) days of this notice. After thirty (30) days Hardline will treat unreplicated User Content as eligible for deletion under our retention schedule, subject to the carve-outs above.

Contact for questions. legal@hardlinelending.com for legal questions; support@hardlinelending.com for operational questions; privacy@hardlinelending.com for privacy-rights questions.

Sincerely,

Hardline Trust & Safety

Approving role: [____________________________]

Compliance file reference: [____________________________]

Termination log entry ID: [____________________________]

Cross-reference to prior Suspension Notice (if any): [____________________________]

Counsel sign-off (if regulator-directed or fraud-based): [____________________________]