CALIFORNIA COMPLIANCE CERTIFICATION

(California Consumer Credit Reporting Agencies Act and Civil Code §1785.14(a))

This certification is made by the undersigned client (“Client”) in connection with its access to and use of consumer credit reports provided by Soft Pull Solutions LLC (“Company”).

1. General Compliance with California Law

Client certifies that it understands and will comply with all applicable provisions of the California Consumer Credit Reporting Agencies Act (as amended), including but not limited to those codified in California Civil Code §1785.14(a).

2. Retail Seller Requirements

If Client is a “retail seller” as defined in Section 1802.3 of the California Civil Code and intends to issue credit to a consumer who appears in person based on an in-person application (“Point of Sale” credit), Client further certifies the following:

• It will match, with reasonable certainty, at least three identifying data points from the consumer credit report (e.g., name, date of birth, SSN, driver’s license number, address, etc.) at the time of inquiry;
• It instructs its employees and agents to inspect a valid government-issued photo ID when processing in-person credit applications;
• It will use only the appropriate account or subcode(s) designated for California Point of Sale transactions.

3. Change in Status

If Client is not currently a Retail Seller conducting Point of Sale credit applications, Client agrees that if it becomes one in the future, it will:
- Provide written notice to Company prior to using credit reports for Point of Sale purposes in California, and
- Comply with all applicable Retail Seller obligations at that time.

4. Certification and Legal Review

Client acknowledges and certifies that it has had an opportunity to review this certification and applicable law with legal counsel and agrees to comply fully with the requirements outlined herein.