Providing Alternative Financial Solutions for Small Businesses

Letter of Understanding with ROR Financials LLC

Below are the general terms of the Unsecured Working Capital Program. This is an agreement between you and ROR Financials LLC. You have requested ROR Financials LLC

to provide you with loan/line of credit consulting services to help you arrange unsecured financing for your business.

A Funding Fee of 10% of all funds acquired will be due. Any other arrangements must be communicated directly with ROR Financials LLC.

YOU UNDERSTAND THAT ALL FEES MUST BE PAID AS PER THE FEE AGREEMENT. YOUR INVOICE IS DUE WITHIN 5 DAYS OF SETTLEMENT.

Please do not apply for any new credit (e.g., credit cards, auto loans, apartments, etc.) during this process without consent, or the agreement will be voided.

Required Documentation:

Copy of government-issued ID

Utility bill

Social Security card (for credit repair purposes)

LLC formation documents

EIN letter

These documents should be submitted to ROR Financials LLC via the designated company email address.

Additional Terms:

Loan amounts, interest rates, and terms are determined by individual lenders and based on their respective underwriting guidelines. These may include but are not limited to revenue, income, personal credit history, and business credit profile. ROR Financials LLC does not guarantee approval or a specific minimum amount from any lender. In most cases, multiple lenders are required to fulfill funding requests. You agree to pay the funding fee regardless of whether you utilize the financing secured. You may be required to communicate directly with certain lenders and follow their application procedures. Typical loan approval times range from 2 to 14 business days after receipt of a complete application by the lender.

You certify that you are the applicant and that all information you provide is accurate and truthful. You agree to hold ROR Financials LLC and its representatives harmless for any misrepresentation made during the process.

You authorize ROR Financials LLC, its lenders, and/or assigns to access your credit report and to act on your behalf under a Special and Limited Power of Attorney to represent you throughout the application and verification process—electronically, verbally, in writing, or otherwise.

By signing, you agree to all terms outlined in this Letter of Understanding and the Fee Agreement. A faxed or electronically signed copy of this agreement may be treated as an original.

This agreement shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. All parties irrevocably submit and consent to the exclusive jurisdiction and venue of the state and federal courts located in Houston, Texas (Harris County District and Southern District of Texas). The parties waive all rights to a jury trial in any action or proceeding arising out of or related to this Agreement.

All information shared is proprietary and confidential and will not be disclosed by either party without consent.