REACH FINANCIAL COMPANY

To help the government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to obtain, verify, and record
information that identifies each person who opens an account. What this means for
you: When you open an account, we will ask for your name, address, date of birth,
and other information that will allow us to identify you. We may also ask to see
your driver`s license or other identifying documents.

‡For illustrative purposes only — does not reflect the terms of your actual loan.
Credit card interest assumes a minimum payment of 3% of the current outstanding
loan balance, and APR is based on the national average of 20.72% provided by
Bankrate.com as of 10/15/2023.

††Although Reach Financial cannot guarantee any improvement to your credit

score if you obtain a Consolidation Loan (Installment Loan), based on recent loan
file reviews: Clients who have taken this loan and paid as agreed have seen their
credit score increase by an average of 34 points in about 1 month. While
everybody’s situation differs, if you maintain on-time monthly payments on the
loan and any other accounts you have, you will be in the best position to
experience favorable results.

§ Within 24 hours of your loan approval, loan proceeds will be available to pay the
creditors named on your Truth-in-Lending Disclosure. but due to the site which
was down for few month it has been handled by profession merchant and agent
†High interest rate refers to credit card interest which is compounding interest
while the loan through Reach Financial is simple interest.

Reach Financial loans are unsecured personal loans issued by Fin Wise Bank, a
Utah chartered commercial bank, member FDIC. All loans are subject to eligibility
criteria and review of credit worthiness and history. Terms and conditions apply.

*Fixed Annual Percentage Rates (APR) range from 5.99% to 35.99%. You could
receive a loan of $10,000 with an interest rate of 8.93%, an origination fee of
$1500, for an APR of 9.80%, which would result in total payment of $18,435 with
60 monthly payments of $807.20. Your actual rate may differ and depends on your
credit history, loan amount, and term. Total approved loan amount reflects
origination fee, which ranges from 0% to 8%.

Terms Of Use

Thank you for using www.reach.com (the “Website”). By using this Website, you
(the “User”) are agreeing to be bound by these terms of use (“Terms of Use”)
described below, regardless of whether you are a registered member of the
Website. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE,
YOU MAY NOT ACCESS OR USE THE WEBSITE. These Terms of Use are
provided on behalf Reach Financial LLC and its affiliates (together, “Reach
Financial”, “we”, “Company” or “us”).

Changes and Modifications

Reach Financial reserves the right to temporarily or permanently modify or

discontinue the Website, or any portion of the Website, for any reason, at our sole
discretion, and without notice to you. Reach Financial may also change these
Terms of Use from time to time without notice to you. Please review these Terms
of Use from time to time, because your continued access or use of the Website
after any modifications have become effective shall be deemed your conclusive
acceptance of the modified Terms of Use.

Links

This Website may contain links to websites maintained by non-affiliated third

parties. Such websites may have Terms of Use, Privacy Policies, or security
practices that are different from those of Reach Financial. Reach Financial does not
endorse or recommend, and hereby disclaims any liability for, any information or
products offered at such websites.

Intellectual Property

You acknowledge and agree that all content, web pages, source code, calculations,
products, materials, data, information, text, screen, functionality, services, design,
layout, screen interfaces, “look and feel,” and the operation of the Website
(collectively, “Site Content”) are protected by various intellectual property laws,
including, but not limited to, copyrights, patents, trade secrets, trademarks, and
service marks, and you do not acquire any rights by downloading or viewing any
Site Content. You agree that Reach Financial and all logos related to our products
and services are our or our licensors’ trademarks or registered trademarks. You
may not copy, imitate or use them without our prior written consent. In addition,
all page headers, custom graphics, button icons, and scripts are our service marks,
trademarks and/or trade dress. You may not copy, imitate, or use them without our
prior written consent.

Products and Services

Certain of the websites, and/or functionalities contained therein, operate as an

online market place where visitors can research and submit requests for various
different products and/or services, and research different types of consumer related
loans, as well as other products and services. You understand and agree that if you
submit a request for a product or service or for further information relating to a
product or service offered through any of the websites, Reach Financial will share
that portion of your information as may be required in order to match you with
selected providers of the products and/or services that you request. By submitting
your contact information to us, you are expressly consenting to be contacted by us
or by one or more providers of products and services by telephone, email or postal
mail even if you have opted into the national Do Not Call List administered by the
Federal Trade Commission, any state equivalent Do Not Call List or the Do Not
Call List of any specific institution.

You understand that Reach Financial may obtain your personal information (such
as your full name, address, telephone number and other information, including
your social security number or date of birth) in order to establish your potential
qualification for the various loan programs available through us and/or other
lenders, and to estimate the terms under which said loans may be generally
available to you. If you grant us authorization, Reach Financial will use your
personal information to obtain and use your credit report and/or credit score on
your behalf for the purpose of estimating your qualification for the loans offered
through us or our network of lenders.

Lender or if you obtain a loan with Lender. You agree to notify Lender directly if
you no longer want to receive communications from Lender. Lender is not
attempting to make loans outside of its authorized states or country by participating
in and offering its products on the websites. Lenders presented through our
Website expressly reserve the right to discontinue, suspend or terminate the
offering of any loan product in any specific state through the websites at any time,
without prior notice.

No Warranty

Reach Financial does not warrant the accuracy, adequacy or completeness of the
information provided herein and expressly disclaims liability for any errors or
omissions in such information. No warranty of any kind, implied, expressed or
statutory including but not limited to the warranties of non-infringement of third-
party rights, title, merchantability, fitness for a particular purpose and freedom
from computer virus, is given in conjunction with the information. Calculators and
applicable tools on the Website provide you with ESTIMATES that may be
different than actual amounts.

Communications

You agree that Reach Financial may provide you communications about your User
account electronically, via Reach Financial’s Website or through Emails or in
writing. Standard mobile, message, or data rates may apply and you are responsible
for any such fees. Any electronic communications will be considered to be
received by you within 24 hours of the time we email it to you or otherwise send it
to your attention (such as via SMS or other online notification).

If we need to contact you to service your User account or to collect amounts you
owe to us, you give direct consent to us, as well as servicers, agents, contractors
and collectors of your User account, to communicate with you in any way, such as
calling, texting, or email via:

To ensure that inquiries are handled promptly, courteously, and accurately, phone
calls between you and Reach Financial or any of our affiliates, agents, assigns and
service providers, may be monitored and recorded by Reach Financial and any of
our affiliates, agents, assigns and service providers, to enhance service provided to
you. You consent to this monitoring and recording. You acknowledge and
understand that, while your communications with Reach Financial may be
overheard, monitored, or recorded, not all telephone lines or calls may be recorded
by Reach Financial, and Reach Financial does not guarantee that recordings of any
particular telephone calls will be retained or retrievable.

Use

You will not commit unauthorized use of Reach Financial’s Website and systems
including but not limited to unauthorized entry into Reach Financial’s systems,
misuse of passwords, or misuse of any information posted to a site; and you will
not take any action that imposes an unreasonable or disproportionately large load
on our infrastructure, including but not limited to denial of service attacks, "spam"
or any other such unsolicited overload technique.

User Representations

You represent, warrant and agree that no materials of any kind submitted through
your User account or otherwise posted or shared by you through the Website will
violate or infringe upon the rights of any third party, including copyright,
trademark, privacy, publicity or other personal or proprietary rights; or contain
libelous, defamatory or otherwise unlawful material. You further agree not to
harvest or collect email addresses or other contact information of Users from the
Website by electronic or other means for the purposes of sending unsolicited
emails or other unsolicited communications. Additionally, you agree not to use
automated scripts to collect information from the Website or for any other purpose.
You further agree that you may not use the Website in any unlawful manner or in
any other manner that could damage, disable, overburden or impair the Website. In
addition, you agree not to use the Website to:

Upload, post, transmit, share, store or otherwise make available any content that
we deem to be harmful, threatening, unlawful, defamatory, infringing, abusive,
inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or
publicity rights, hateful, or racially, ethnically or otherwise objectionable;

Except where authorized by the Company, register for more than one User
account, register for a User account on behalf of an individual other than yourself,
operate a User account on behalf of or for the benefit of any person who is not
eligible to register for or operate a User account in their own name;);

Impersonate any person or entity, or falsely state or otherwise misrepresent

yourself, your age or your affiliation with or authority to act on behalf of any
person or entity;

Upload, post, transmit, share or otherwise make available any material that
contains software viruses or any other computer code, files or programs designed
to interrupt, destroy or limit the functionality of any computer software or
hardware or telecommunications equipment;

Use or attempt to use another’s account, service or system without authorization

from that person and the Company, or create a false identity on the Website;

Privacy

Please review our Online Privacy Policy as your privacy is very important to us.
Our Online Privacy Policy explains how we treat your personal information and
protect your privacy when you use our Website. We will not share or sell any of
your information with any third party, except as specifically described in our
privacy policy, which is hereby incorporated by reference into these Terms of Use.

Indemnity

By using the Website, you agree to defend, indemnify, and hold harmless Reach
Financial from and against any and all losses, claims, damages, costs and expenses
(including reasonable legal and accounting fees) that Reach Financial may become
obligated to pay arising or resulting from your use of this Website or your breach
of these Terms of Use. Reach Financial reserves the right to assume or participate,
at your expense, in the investigation, settlement and defense of any such action or
claim.

Limitation of Liability

You agree that all access and use of this Website is at your own risk. Reach
Financial does not and will not have any responsibility for any consequences
relating, directly or indirectly, to any action or inaction that you may take based on
the Website. You agree that you, and not Reach Financial, will bear the entire cost
of all servicing, repair, correction, or restoration that may be necessary for your
data, software programs, or computer equipment because of any viruses, errors, or
other problems you may have as a result of using .

WE WILL NOT BE HELD LIABLE FOR ANY DEFECTS, FAULTS,

INTERRUPTIONS, OR DELAYS IN THE OPERATION OR TRANSMISSION
OF ANY PRODUCT, AND/OR ANY INACCURACIES, ERRORS OR
OMISSIONS IN THE INFORMATION CONTAINED IN THE WEBSITE
AND/OR THE SERVICES. UNDER NO CIRCUMSTANCES WILL REACH
FINANCIAL BE HELD LIABLE FOR ANY INDIRECT, INCIDENTAL,
SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR OTHER
DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS,
ARISING OUT OF, BASED ON, RESULTING FROM, OR IN CONNECTION
WITH THE WEBSITE AND/OR THE SERVICES OR ANY PRODUCTS,
THESE TERMS OF USE OR YOUR USE OR INABILITY TO USE ANY OF
THE FOREGOING, EVEN IF REACH FINANCIAL HAS BEEN ADVISED OF
THE POSSIBILITY OF SUCH DAMAGES.

ALL OF THESE LIMITATIONS APPLY REGARDLESS OF THE CAUSE OR

FORM OF ACTION, WHETHER THE DAMAGES ARE CLAIMED UNDER
THE TERMS OF A CONTRACT, TORT, OR OTHERWISE, AND EVEN IF WE
OR OUR REPRESENTATIVES HAVE BEEN NEGLIGENT OR HAVE BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NO ACTION
ARISING OUT OF OR PERTAINING TO THESE TERMS OF SERVICE MAY
BE BROUGHT MORE THAN ONE (1) YEAR AFTER THE CAUSE OF
ACTION HAS ARISEN.

Severability

You agree that any provision of these Terms of Use shall be found to be unlawful
or void, or for any reason unenforceable, then that provision shall be deemed
severable from the other provisions of these Terms of Use and shall not affect the
validity and enforceability of such other provisions.

Contacting Us

If you have any questions regarding this Terms of Use, please contact us by email
at reach financial116@gmail.com.

Last Modified: May 22, 2019