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Each of the undersigned specifically represents to RCF, LLC (“Lender”) and to Lender's actual or potentialagents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1)the information
provided in this application is true and correct as of the date set forth below and that any intentional ornegligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to
any person who may suffer any loss due to reliance upon any misrepresentation that I have made on thisapplication, and/or in criminal penalties; (2) the loan requested pursuant to this application (the "Loan") will be secured by amortgage or deed of
trust on the property(ies) described in this application; (3) the property(ies) will not be used for anyillegal or prohibited
purpose or use; (4) all statements made in this application are made for the purpose of obtaining a non-owner occupied
business purpose mortgage loan; (5) the Lender, its servicers, successors or assigns may retain the originaland/or an
electronic record of this application, whether or not the Loan is approved; (6) the Lender and its agents, brokers,insurers,
servicers, successors and assigns may continuously rely on the information contained in the application, and I amobligated
to amend and/or supplement the information provided in this application if any of the material facts that I haverepresented
herein should change prior to closing of the Loan; (7) in the event that my payments on the Loan becomedelinquent, the
Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it mayhave relating to such
delinquency, report my name and account information to one or more consumer reporting agencies; (8)ownership of the
Loan and/or administration of the Loan account may be transferred with such notice as m ay be required bylaw; and (9) my
transmission of this application as an "electronic record" containing my " electronic signature," as those termsare defined in
applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission ofthis application
containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of thisapplication
were delivered containing my original written signature.
Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and
assigns, may (1) verify or reverify any information contained in this application or obtain any information or data relating to
the Loan, including but not limited to consumer credit reports, for any legitimate business purpose through any source,
including a source named in this application or a consumer reporting agency, and (2) authorizes the owner of the Loan to
release, furnish, provide, and exchange information related to the Loan, mortgage or information set forth herein to potential
loan purchasers, and the Lender’s online platform investors (“Authorized Third Parties”).