1. Signature Small Business Loans Terms and Conditions Signature Small Business Loans Online, the Signature Small Business Loans service and website are operated by On Deck Capital, Inc., a Delaware corporation (“Signature Small Business Loans”). Signature Small Business Loans is in the business of providing customers with small business loans, financing recommendations, business performance reports and related services. In connection with the provision of the Signature Small Business Loans service, users may choose to submit financial information from their online banking account to Signature Small Business Loans. Signature Small Business Loans uses this information to monitor the performance of Signature Small Business Loans users on an on-going basis, and also uses it as part of the criteria in its lending decisions for those users that choose to apply for a loan. On Deck is not a broker, investment advisor or financial planner, and we do not provide financial, securities, legal or tax advice. Before making any decision or implementing any strategy you should consider obtaining additional information and advice from your accountant, attorney, and ⁄ or other advisors. 2. Accepting the Terms By using the information, tools, features and functionality located at Signature Small Business Loans.com or subdomains (the “Website” and such information, tools, features and functionality, the “Service”), you agree to be bound by these terms and conditions (the “Agreement”). You must read this Agreement in its entirety and indicate your acceptance with the terms and conditions contained herein. You may not use the Service and you may not accept this Agreement if you are under 18 years of age. If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of a company or entity that you have the authority to bind such entity. Before you continue, you should print or save a copy of this Agreement for your records. 3. Privacy and your Personal Information For information about Signature Small Business Loans’s data protection practices, please read our Privacy Policy, which is hereby incorporated into this Agreement. This policy explains how Signature Small Business Loans treats your personal information, and protects your privacy, when you access Signature Small Business Loans and use the Service. The policy may be updated from time to time at our discretion. Changes will be effective upon posting to the Website. Signature Small Business Loans’s Privacy Policy is located at http://www.Signature Small Business Loans.com/our-customers/customer-bill-of-rights. To help the government fight the funding of terrorism and money laundering activities, we will collect, obtain, verify, and record identifying information on you and your company. We ask for your name, address, and other identifying information, and may ask for a driver’s license or other identifying documents. 4. Account Information from Third Party Sites With the Service, users may direct Signature Small Business Loans to retrieve their own or their company’s information maintained online by third-party financial institutions with whom they have customer relationships, maintain accounts or engage in financial transactions (“Account Information”). Signature Small Business Loans may work with one or more online financial service providers under contract to access this Account Information. Signature Small Business Loans may review the Account Information for accuracy, legality and/or non-infringement. Signature Small Business Loans cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of data, personalization settings or other service interruptions. Signature Small Business Loans cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization. You hereby acknowledge that Signature Small Business Loans makes no representations or warranties with respect to the Service. 5. Proprietary Rights You are permitted to use content delivered to you through the Service only on the Service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the Service technology, including but not limited to, any Java applets associated with the Service. 6. Rights You Grant to Signature Small Business Loans As the owner of the information you provide to us through the Service (your “User Account Information” and along with Account Information, your “User Information”), you are licensing the User Information to Signature Small Business Loans for the purpose of providing the Service. Signature Small Business Loans may use such User Information to display, distribute, and create new material incorporating such User Information. By submitting User Information, you represent that you are the owner of the User Information and are entitled to submit it to Signature Small Business Loans for use for this purpose, without any obligation by Signature Small Business Loans to pay any fees or other limitations and without any particular time limit. By using the Service, you expressly authorize Signature Small Business Loans to access your User Information maintained by identified third parties and to directly connect to the Website for the third party you have identified, on your behalf. Signature Small Business Loans will submit User Information that you provide to log you into the site and retrieve your User Information. You hereby authorize and permit Signature Small Business Loans to use User Information submitted by you to the Service to accomplish the foregoing and to configure the Service so that it is compatible with the third party sites for which you submit your information. For purposes of this Agreement, you grant Signature Small Business Loans and its service providers access to third party sites to retrieve, review, and use your User Information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. You understand and agree that the Service is not sponsored or endorsed by any third parties accessible through the Service, and you hereby agree to release Signature Small Business Loans and its service providers from any claims arising out of the use of your User Information contemplated herein. 7. Credit Profile Authorization You certify that (i) you are authorized on behalf of the company whose name you have entered to sign up for the Services and (ii) all information you provide is true, correct and complete and that you will notify us of changes to such information. You understand and agree that we and our agents and assignees are authorized to contact third parties to conduct background checks and other investigative reports and make credit report inquiries (including requesting business and personal credit bureau reports from credit reporting agencies and other sources) or for any other lawful purpose. Upon your written request, we will advise you if we obtained a credit report. You understand and agree that Signature Small Business Loans is making no commitment or guarantee that any product, evaluation, or guidance provided by Signature Small Business Loans will result in an approval for credit from Signature Small Business Loans or any third party. 8. Electronic Communications By choosing to access Signature Small Business Loans’s Services via the internet, you hereby consent to receive by electronic means this Agreement and any and all disclosures and/or notices required to be given by applicable law or regulation. You also consent to allow Signature Small Business Loans to respond to any inquiries by e-mail regardless of the format of the original inquiry. To electronically receive, view, and save the Agreement, you must have a personal computer equipped with Firefox 2.0 or Microsoft Explorer 6.0 or later versions, and either a printer, a hard drive, or other storage device. You must also have a valid email address. You must notify us if your email address changes. To notify us of your new email address, please log on to the Website and update your email address in the “My Profile” section. 9. Telephone Communications You hereby expressly consent to receiving calls and messages, including auto-dialed and pre-recorded message calls and SMS messages (including text messages) from Signature Small Business Loans, its affiliates, marketing partners, agents and others calling at Signature Small Business Loans’s request or on its behalf, at any telephone numbers that you have provided or may provide in the future (including any cellular or mobile telephone numbers) and you acknowledge that telephone calls to and from Signature Small Business Loans may be recorded. Your cellular or mobile telephone provider will charge you according to the type of plan you carry.