Credit Profile Agreement

This Credit Profile Agreement was last updated January 20th, 2023

Credit and Background Check Authorization

You understand and agree that FDF and our agents and assignees are authorized to contact third parties to conduct background checks and other investigative reports, including but not limited to your business credit card sales data as described below, and make credit report inquiries (including requesting personal credit bureau reports about you and any other owner(s) of the business who will be providing a personal guarantee, and business credit bureaus about your company, in either case, from credit reporting agencies and other sources) or for any other lawful purpose. FDF has such authority for the foregoing in connection with any extension of credit to the company on whose behalf you are applying, conducting loan file updates, ongoing loan reviews, renewal of financing, or referral of your business to third party lenders. Upon your written request, we will advise you if we obtained a credit report. You understand and agree that FDF is making no commitment or guarantee that any product, evaluation, or guidance provided by FDF will result in an approval of credit from FDF or any FDF Banking Partner.

Credit Card Data Collection

You understand and agree that we and our agents and assignees are authorized to contact third party credit card processors and networks used by your company in order to obtain historical and ongoing information/metrics related to:

Your company, including, but not limited to, company name, address, phone number, and industry; and

Your company’s credit card sales, including, but not limited to, transaction spend, number of transactions, and repeat customers.

Such information and metrics will be used by FDF for purposes of providing the FDF Service, including, but are not limited to, sales agent call routing, underwriting, customer management, and enhancement of FDF’s credit model.