Authorization for Credit Pull

This document was last updated on February 21, 2018

Authorization for Credit Pull

I hereby authorize Cumulus Funding, Inc. d/b/a Align Income Share Funding (“Align”) and its agents, to request and obtain: (a) information about me from various federal, state, and other agencies, (b) information about me maintained in public and private record sources, (c) credit histories maintained by various credit bureaus or ratings agencies, (d) information on previous contractual engagements, and (e) criminal background information, if applicable, as well as other past experiences, all as determined by Align. I acknowledge and agree that Align is permitted to use this information in connection with validating my identity and its evaluation of my application for a Future Income Investment Agreement from Align. You are expressly providing written instructions (as provided in the Fair Credit Reporting Act) to Align authorizing Align to obtain information from your personal credit profile or other information from one or more consumer reporting agencies, such as Equifax®, Experian®, and TransUnion®.

I agree not to assert any claims or causes of action against Align, its agents, its employees, or any individuals contacted by Align, arising out of this due diligence investigation. Align agrees to use any information collected herein for investigatory, underwriting, modeling, analysis, and due diligence purposes (and any related purposes). This information may be shared with a third-party, to administer the sale of my income share agreement, the associated payments receivable, and/or payment dependent notes.

I authorize Align to obtain consumer reports each time I request a new income share agreement, during the processing or closing of my income share agreement (if approved), or at various times during the term of my income share agreement (if approved) in connection with the servicing, monitoring, collection, or enforcement of the income share agreement.

By checking the box to indicate my acceptance of this agreement and proceeding with my application, I will electronically sign this authorization. I certify and agree to the terms contained in this authorization and also acknowledge receipt of a copy of this authorization, which was provided to me electronically, and in paper form, if I so requested it.