VANTAGESCORE AGREEMENT

This VantageScore Agreement ("Agreement") is entered into by and between Soft Pull Solutions LLC (“Soft Pull Solutions”), and the undersigned client entity (“Client”), effective as of the date set forth below.

1. Permissible Purpose & Limited Use

Client certifies that it shall request VantageScores solely for a permissible purpose under the Fair Credit Reporting Act (15 U.S.C. §1681 et seq.) and for Client’s exclusive, one-time use, in connection with a legitimate business need and the original purpose for which the VantageScores were obtained. VantageScores may not be resold, reused, or shared outside the terms of this Agreement.

2. Score Storage & Security

Client may store VantageScores only as necessary to fulfill its original purpose. Storage must be secure, and access limited to authorized personnel. Client must maintain reasonable security measures to protect the integrity and confidentiality of the Scores.

3. Restrictions on Model Use

Client shall not use any VantageScores for model development or model calibration, except as follows:

- VantageScores may be used as independent variables in custom, depersonalized models;

- Only archived Scores and segment identifiers may be used (no adverse action reasons or scorecard documentation);

- Analytics must remain confidential and may not be disclosed to third parties, except under Section 4.

4. Disclosure Limitations

Client shall keep all VantageScores strictly confidential. Disclosure is permitted only as follows:

(a) To employees, agents, or contractors with a legitimate need to know;

(b) To third-party processing agents under written agreement that mirrors the restrictions herein;

(c) To consumers, only in connection with adverse action and when accompanied by corresponding reason codes, unless otherwise permitted by law;

(d) To regulators or as required by law;

(e) To investors, ratings agencies, or dealers for evaluating assets only in aggregated, anonymized format that does not identify any consumer and under written agreement limiting such use to evaluation purposes only.

5. Adverse Action & Use Limitations

Client acknowledges that VantageScores:

- Are not part of the consumer credit file;

- Are not to be used as the sole reason for any adverse action under Regulation B;

- Must be accompanied by appropriate reason codes if disclosed to the consumer;

- Cannot be used for any unlawful or discriminatory purpose.

6. Reverse Engineering Prohibited

Client shall not attempt to deconstruct, reverse engineer, derive, or replicate any aspect of the VantageScore model or scoring algorithm.

7. Intellectual Property & Trademark Use

Client acknowledges that all rights to the VantageScore models and associated trademarks, trade names, and branding (“Vantage Marks”) remain the sole property of VantageScore Solutions, LLC. Client is granted a limited, non-exclusive, non-transferable, royalty-free license to use the Vantage Marks only in connection with permitted use under this Agreement, and only with prior written authorization. Any use of the Vantage Marks must comply with the then-current VantageScore Trademark Policy and Brand Guidelines, and all use shall accrue to the benefit of VantageScore Solutions, LLC.

8. Warranties & Disclaimers

Soft Pull Solutions makes no warranties, express or implied, including any warranties of merchantability or fitness for a particular purpose. VantageScores are provided “as is” and are statistical risk models that may not predict individual outcomes. Client bears all responsibility for interpreting and applying Scores within the scope of applicable law.

9. Limitation of Liability

In no event shall Soft Pull Solutions or its data providers be liable for indirect, incidental, special, or consequential damages. The maximum liability under this Agreement shall not exceed the total amount paid by Client for VantageScores in the twelve (12) months preceding the event giving rise to the claim.

10. Term & Termination

This Agreement shall remain in effect unless terminated in writing by either party. Termination shall not relieve Client of any obligations incurred prior to termination, including fees and confidentiality responsibilities.

11. Entire Agreement

This Agreement constitutes the entire agreement between Soft Pull Solutions and Client with respect to VantageScore services and supersedes any prior agreements. It may be amended only in writing signed by both parties.