TERMS OF USE AGREEMENT

Last Revised: January 23, 2026

IMPORTANT NOTICE: AS DETAILED IN THE ARBITRATION; JURY TRIAL WAIVER; CLASS ACTION WAIVER PROVISIONS BELOW, THIS AGREEMENT CONTAINS A WAIVER OF CLASS ACTION RIGHTS AND A WAIVER OF THE RIGHT TO A JURY TRIAL, AND MAY REQUIRE YOU TO ARBITRATE CERTAIN DISPUTES.

This website (including all sub-sites) is operated by 5Core Capital or a subsidiary or affiliate thereof (collectively, “5Core Capital,” “we,” or “us”).

By accessing a 5Core Capital website (specifically 5Corecap.com), mobile application, interface, or platform (collectively, “Site” or “Sites”) that links to this Terms of Use Agreement (the “Terms of Use” or “Agreement”), you agree to abide by this Agreement and by our Privacy Policy (which is hereby incorporated by reference), regardless of the device used (e.g., personal computer, mobile device, or any other technology or software) for access.

These Terms of Use govern your access to, and use of, the Sites and any of the tools, features, functionality, services, or products offered on or through the Sites, including your access to information and data; your use of any web portal, customer account, sales partner account, syndicate investor account, or online services; your submission of application and/or provision of information for qualification for financing or other purposes; your subscription to blogs, newsletters, and alike; and your participation in any public areas on the Sites (collectively, the ”Services”).

In addition to these Terms of Use and the Privacy Policy, certain of our services offered through the Sites, such as your ability to submit requests for commercial financing and related services, will be subject to, and governed by, separate terms and conditions or contracts that will be provided to you, and that you must agree to, in connection with those requests or transactions. To the extent there is a conflict between these Terms of Use and a transaction-specific agreement, the transaction-specific agreement will govern.

PLEASE READ THESE TERMS OF USE CAREFULLY TO UNDERSTAND EACH PROVISION. THIS CONSTITUTES A LEGAL AGREEMENT BETWEEN YOU AND 5CORE CAPITAL FOR THE USE OF THE SERVICES AND THE TERMS OF USE SHALL APPLY TO ALL USERS OF THE SITES. IF YOU DO NOT AGREE TO THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITES, SERVICES, AND/OR CONTENT.

We may update these Terms of Use from time to time by making available a revised, dated version on the Sites. If the revised version includes a substantial change, we will provide a more prominent notice (including, for certain services, an email or other type of notification of Terms of Use changes) prior to the change becoming effective. Your continued use of the Sites shall constitute your acceptance of such updated Terms of Use. We encourage you to periodically review this page for the latest information.

1. USE OF SITES

You may view and use the Sites and/or any of the information or Services only in accordance with these Terms of Use. You agree to use the Sites and/or Services only for lawful purposes and you acknowledge that your failure to do so may subject you to civil and criminal liability as determined by applicable law.

The Sites are for individual business owners and legal entities organized and authorized to do business in the United States, and are not intended for use by others or for use outside of the United States.

To access certain features of the Site, you may need to register for an account and to provide us certain documentation or information, including information about your identity, finances, and business performance.

By creating or accessing a user account, submitting a request for commercial financing, and/or otherwise using the Sites, you represent and warrant that: (i) you are 18 years old or older and are fully able to enter into a binding agreement; (ii) all information and/or documentation you submit is true, accurate, current, and complete; (iii) you will update such information, as necessary, to keep it true, accurate, current, and complete; and (iv) the information belongs to you and does not infringe or violate any patents, copyrights, trademarks or other intellectual property, proprietary or privacy rights of any third party.

5Core Capital reserves the right, at its sole discretion, to restrict in whole or in part, your access to, and use of, the Sites, Services, and Site content at any time, with or without notice, and for any or no reason.

2. PROHIBITIONS ON USE

You agree that you will not violate any law, contract, intellectual property, or other third party right, and that you are solely responsible for your conduct, while accessing or using the Sites or using the Services. As noted above, the Sites and Services may only be used for lawful purposes and in accordance with this Agreement. Additionally, you specifically agree that you will not:

Provide false or misleading information to 5Core Capital, impersonate any person or entity, or misrepresent your affiliation with a person or entity;

Use the Site in any manner that violates any federal, state, international, or local law or regulation, or engage in, facilitate, encourage, or promote any activity that violates the Terms of Use;

Use the Site in any manner that could interfere with, disrupt, negatively affect, or inhibit other users from fully enjoying the Site, or that could damage, disable, overburden, or impair the functioning of the Site in any manner;

Reverse engineer any aspect of the Site, or do anything that might discover source code or bypass or circumvent measures employed to prevent or limit access to any service, area, or code of the Site;

Use the Site in any matter that could threaten, bypass, or destroy any security mechanism used with or incorporated in the Site;

Post or otherwise transmit any content, data, or material that contains viruses, spyware, spiders, robots, worms, Trojan horses, logic bombs, or any other type of malicious or deleterious programs;

Use or attempt to use another user’s account without authorization from such user and 5Core Capital;

Post or otherwise transmit inaccurate, misleading, deceptive, offensive, lewd, hateful, defamatory, libelous, abusive, illegal, discriminatory, or otherwise inappropriate or objectionable content;

Post or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, “junk mail”, “spam”, “chain letters”, “pyramid schemes” or any other material that contains business solicitations of any type; and

Post or otherwise transmit any content, data, or material that infringes on the intellectual property rights or other personal rights (including privacy) of any third parties.

3. ACCOUNT SECURITY

Each user is responsible for any misuse of his or her account, even if the inappropriate activity was committed by someone other than the account holder. Therefore, each user must take all reasonable steps to protect his or her account from unauthorized access. In addition, no user may access his or her account to breach the security of any other user’s account or attempt to gain unauthorized access to another server or network. As such, each user must always ensure the security of his or her password. 5Core Capital reserves the right to terminate your access to the Sites or cancel your username and password at any time, without notice, and for any reason including, without limitation, your violation of these Terms of Use.

4. OWNERSHIP, COPYRIGHTS, TRADEMARKS, LICENSES

Except for User Content (as defined below), any and all information, materials, images, software, photographs, articles, functions, text, and other content solely provided by or on behalf of 5Core Capital on any Site (collectively, “Site Content”) is the sole and exclusive property of 5Core Capital or our licensors, as applicable.

The Sites, Site Content, and the selection and arrangement thereof, are protected by copyright, trademark, service mark, trade name, and other intellectual property and other proprietary rights, and all other applicable rights are reserved, and users shall abide by those laws. 5Core Capital reserves all rights not expressly granted in and to the Sites, Services, and the Site Content. Unless otherwise noted, the 5Core Capital trademark, the 5Core Capital name, and all other 5Core Capital service marks, trade names, logos or other designations of source displayed on the Sites are the property of 5Core Capital, and may not be copied, imitated, or used, in whole or in part, without 5Core Capital’s prior written permission.

5. USER CONTENT

All information or other content conveyed or communicated by you to 5Core Capital as a contribution to any of the Sites (each, a “Submission”) shall comply with these Terms of Use and, upon receipt, will become property of 5Core Capital. 5Core Capital will not be required to treat any Submission as confidential. 5Core Capital shall have the right to use any content contained in a Submission for any purpose, without acknowledging the source of that Submission, and without compensation to you.

5Core Capital may permit the posting of text, files, images, photos, video, sounds, musical works, works of authorship, and other materials and content by you and other users (“User Content”) on certain areas of our Sites. By submitting or posting User Content, you understand and acknowledge that any materials, ideas, or other communications you submit or post in any manner and for any reason will not be treated as confidential or proprietary and may be preserved, disclosed, or removed from the Sites by 5Core Capital at its sole discretion.

All User Content shall comply with these Terms of Use. In addition, you specifically represent that: (i) you own or have the necessary licenses, rights, consents or permissions to use, and authorize 5Core Capital to use, all patent, copyright, trade secret, trademark, and other proprietary rights to enable inclusion and use of User Content; and (ii) you have the appropriate and necessary written consent, release, or permission of each identifiable individual person or business in your User Content.

6. THIRD-PARTY CONTENT

5Core Capital may link to other websites that we believe may be useful to you, provide information about third-party products, services, or events, or allow third parties to make their content and information available on or through our Sites (collectively “Third-Party Content”). 5Core Capital does not control or endorse, and makes no representations or warranties regarding, any Third-Party Content. Your access to and use of such Third-Party Content is at your own risk.

7. COPYRIGHT COMPLAINTS

We respect copyright ownership and expect users of our Sites to do so as well. If you are a copyright owner or an agent thereof and believe anything on our Sites infringes upon your copyrights, you may submit a notification of claimed infringement under the Digital Millennium Copyright Act (“DMCA”) by providing notice to 5Core Capital through our designated agent, by email or mail, as follows:

5Core Capital ATTN: Legal Department / Copyright Agent 9900 Irvine Center Dr Irvine, CA 92618

Your DMCA notice should comply with 17 U.S.C. § 512(c)(3) and include substantially the following information: (i) A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly being infringed; (ii) Identification of the copyrighted work claimed to have been infringed; (iii) Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled; (iv) Information reasonably sufficient to permit the service provider to contact the complaining party; (v) A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (vi) A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

8. TELEPHONE COMMUNICATIONS

By your use of the Sites, such as, without limitation, through a submission of a request for commercial financing, you expressly consent to receiving servicing, collection, marketing, and other calls and messages, including auto-dialed and pre-recorded message calls, and SMS messages (including text messages) from us, our affiliates, our marketing partners, our trusted third-party providers, referral providers, and marketplace participants, at any telephone numbers that you have provided or may provide in the future (including any cellular telephone numbers).

If you do not agree to be called for marketing or promotional purposes, please call 424-202-7926. In your request, please specify whether you would like to stop receiving SMS messages, telephone calls, or both, and the telephone number(s) for which you are making the request.

You also consent to the recording and monitoring, for quality assurance, training, risk management, collection, or other purposes, of any call that you place with us or that we place to you.

9. DISCLAIMERS

THE SITES (INCLUDING SITE CONTENT, USER CONTENT, SERVICES, AND WEBSITES LINKED TO THE SITE) ARE MADE AVAILABLE “AS IS,” “AT YOUR OWN RISK,” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, NON-INFRINGEMENT OR ENJOYMENT. WE MAKE NO GUARANTEE THAT THE SITES ARE UP-TO-DATE, ACCURATE, OR COMPLETE, AND YOU SHOULD NOT RELY ON THEM FOR ANY DECISION OR TO TAKE ANY ACTION. 5CORE CAPITAL DOES NOT WARRANT THAT THE SITES WILL MEET THE USER’S REQUIREMENTS AND/OR ARE FREE OF INTERRUPTION OR ERRORS.

10. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, 5CORE CAPITAL (INCLUDING ITS SUBSIDIARIES AND AFFILIATES) SHALL NOT BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY DAMAGES WHATSOEVER (INCLUDING ANY DIRECT, SPECIAL, EXEMPLARY, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, COSTS OR ATTORNEY’S FEES) ARISING OUT OF, OR RELATING TO, THESE TERMS OF USE, ACCESS TO, USE OF OR THE OPERATION OF ANY SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY.

11. INDEMNIFICATION

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless 5Core Capital (including any of its subsidiaries, affiliates, licensors and their respective officers, directors, employees, agents and representatives) from and against all claims, actions, liabilities, losses, demands, damages, expenses, and costs (including attorney’s fees) (collectively the “Claims”) arising out of or relating to: (i) your access to or use of the Sites or Services; (ii) your violation, misappropriation, or infringement of any rights of another; and (iii) your breach of any of these Terms of Use.

12. ARBITRATION; JURY TRIAL WAIVER; CLASS ACTION WAIVER

PLEASE READ THIS SECTION CAREFULLY BECAUSE IT (a) MAY REQUIRE YOU TO ARBITRATE DISPUTES WITH 5CORE CAPITAL; (b) PRECLUDES YOU FROM HAVING A JURY TRIAL; AND (c) REQUIRES THAT ANY DISPUTES BE BROUGHT IN YOUR INDIVIDUAL CAPACITY ONLY AND NOT AS A CLASS ACTION.

a. ARBITRATION. IF ANY DISPUTE, CLAIM, OR CONTROVERSY ARISES BETWEEN YOU AND 5CORE CAPITAL (INCLUDING ITS SUBSIDIARIES AND AFFILIATES) ARISING OUT OF AND/OR IN ANY WAY RELATED TO (i) THE ACCESS OR USE OF THE SITES, (ii) THESE TERMS OF USE, AND/OR (iii) THE ARBITRABILITY OF ANY OF SUCH CLAIMS, DISPUTES, AND/OR CONTROVERSIES—WHETHER SOUNDING IN CONTRACT, TORT, OR OTHERWISE (COLLECTIVELY, “DISPUTES”) — EITHER PARTY MAY ELECT (BUT IS NOT REQUIRED) TO SUBMIT THE DISPUTE TO BINDING ARBITRATION BEFORE THE AMERICAN ARBITRATION ASSOCIATION (THE “AAA”). IF ARBITRATION IS SELECTED BY ANY PARTY, NO PARTY SHALL HAVE THE RIGHT TO LITIGATE ANY DISPUTES IN COURT, HAVE A JURY TRIAL, OR INITIATE OR PARTICIPATE IN A CLASS ACTION. ALL DISPUTES SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE FEDERAL ARBITRATION ACT.

Arbitration Procedures. All Disputes submitted to the AAA will be resolved through confidential, binding arbitration before a single arbitrator agreed to by the parties. Notwithstanding the foregoing, any in-person hearings shall be conducted in Orange County, California. The arbitrator shall apply the substantive laws of the State of California, without regard to any applicable principals of conflicts of law.

Arbitration Limits. All Disputes (including claims brought as part of a class action, private attorney general or other representative action) can be arbitrated only on an individual basis. The arbitrator has no authority to arbitrate any Dispute on a class or representative basis and may award relief only on an individual basis.

b. JURY TRIAL WAIVER. TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND 5CORE CAPITAL EACH HEREBY WAIVE TRIAL BY JURY IN ANY COURT IN ANY SUIT, ACTION, OR PROCEEDING ON ANY MATTER ARISING OUT OF AND/OR IN ANY WAY RELATED TO THE ACCESS OR USE OF THE SITES OR THESE TERMS OF USE.

c. CLASS ACTION WAIVER. YOU AND 5CORE CAPITAL EACH HEREBY AGREE THAT THE RESOLUTION OF ANY DISPUTES BETWEEN THE PARTIES SHALL BE CONDUCTED IN THEIR INDIVIDUAL CAPACITIES ONLY, AND EACH PARTY EXPRESSLY WAIVES ANY RIGHT TO ASSERT ANY CLAIMS AGAINST THE OTHER PARTY AS A REPRESENTATIVE OR MEMBER IN ANY CLASS ACTION.

13. GOVERNING LAW AND JURISDICTION

By accessing or using the Sites, you agree that any claim, dispute, or controversy (whether in contract, tort, or otherwise) at any time arising out of and/or in any way related to the access or use of the Sites or these Terms of Use is governed by, and will be construed in accordance with, the laws of the State of California (to the extent not preempted by federal law), without regard to internal principles of conflict of laws. You further agree that the sole and exclusive venue shall be a court located in Orange County, California.

14. MISCELLANEOUS

a. Entire Agreement. These terms constitute the entire agreement between you and 5Core Capital relating to the subject matter of these Terms of Use. b. Severability. In case any part of these Terms of Use is found to be invalid, void, or unenforceable in any respect, the validity, legality, and enforceability of any other term contained therein or herein shall not in any way be affected or impaired. c. Assignment. These Terms of Use may not be transferred or assigned by you, but they may be assigned by 5Core Capital without restrictions. d. Waiver. Our failure to enforce any part of these Terms of Use shall not be deemed a waiver of any further rights hereunder.

15. PRIVACY POLICY

In addition to reviewing these Terms of Use, you should also review our Privacy Policy to better understand how we collect and use your personal information. Your use of the Sites constitutes your agreement to the terms and conditions of our Privacy Policy.

16. CONTACT INFORMATION

If you have any questions or concerns about these Terms, please contact us at:

5Core Capital 9900 Irvine Center Dr Irvine, CA 92618 Website: 5Corecap.com Phone: 424-202-7926