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Military Lending Act Covered Borrower Indicator™ Services

This Addendum (“Addendum”) is incorporated into and made part of the End User Agreement between the undersigned End User (“End User”) and Soft Pull Solutions LLC (“Company”). This Addendum governs the End User’s access to and use of Military Lending Act Covered Borrower Indicator Services (“MLA Indicator Services”) provided through Soft Pull Solutions LLC, as authorized by Experian Information Solutions, Inc.

End User acknowledges and agrees to each of the following conditions, and must initial each section to confirm understanding and compliance:

1. Permissible Purpose Requirement

End User certifies that it will only access the MLA Indicator Services when it has a permissible purpose under the Fair Credit Reporting Act (FCRA), specifically for:
- The extension of credit (15 U.S.C. § 1681b(a)(3)(A)); or
- Prescreening under 15 U.S.C. § 1681b(c), if authorized separately.

2. Military Lending Act Restriction

End User shall only use the MLA Indicator Services for credit transactions covered by the Military Lending Act (10 U.S.C. § 987), and not for other purposes such as insurance underwriting, marketing, or account reviews.

3. No Alternative Uses

End User may not use the MLA Indicator Services for any of the following:
- Marketing or lead generation
- Insurance underwriting
- Employment screening
- Any use not expressly authorized under this Addendum

4. Certification Requirement

End User certifies that it has read, understood, and agrees to comply with all limitations and use restrictions imposed by the Military Lending Act, its implementing regulations (32 C.F.R. Part 232), and the Fair Credit Reporting Act.

5. Recordkeeping and Compliance

End User agrees to maintain appropriate documentation showing compliance with the above requirements and may be subject to audit by Soft Pull Solutions LLC or its data providers (including Experian) upon request.

6. Confidentiality

End User acknowledges that information received through the MLA Indicator Services is confidential and shall not be disclosed to any unauthorized party.

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