CREDIT PULL CONSENT & AUTHORIZATION

By registering on the Platform as a borrower, you consent to Scratch Financial, Inc. (“Scratchpay”), WebBank, our partner bank that may extend credit to you (“originating bank”), and their respective agents and affiliated companies (together, “We,” “Our,” or “Us”) to obtain a credit report from one or more consumer credit reporting agencies. We may use the credit report for any purpose that would be authorized by applicable law in connection with a credit transaction involving you and involving the extension of credit to you or review or collection of your account, including but not limited to:

(i) for authentication purposes (i.e., to make sure you are who you say you are); (ii) for internal modeling and analysis purposes; (iii) to evaluate your credit profile in order to make credit decisions; (iv) to determine your debt-to-income ratio; (v) to obtain your credit score(s) and assign you a Scratchpay Risk Score based in part on that credit score(s); and (vi) to obtain and display information and characteristics from your credit report from one or more consumer credit reporting agencies.

You authorize us to verify information in your credit report, and you agree that Scratch Financial, Inc or WebBank may contact third parties to verify any such information. We will obtain your credit report each time you submit a loan request to us and at any other time that we deem it necessary in our sole discretion, including in connection with loan servicing or collection.