FCRA Disclosure and Credit Authorization

Please read this document carefully and save or print a copy for your records.

DISCLOSURE REGARDING CONSUMER REPORTS

Eos Loan, a brand of EOS Solar Inc (NMLS #2744537) (“Eos”), may obtain one or more consumer reports about you from one or more consumer reporting agencies to evaluate your eligibility for credit or financing. These reports may include information related to your credit history, creditworthiness, identity verification, and other information permitted under the Fair Credit Reporting Act (“FCRA”).

SOURCES WE MAY USE

In addition to consumer reports from nationwide consumer reporting agencies, and with your authorization, we may use additional (“alternative”) data to verify identity and evaluate your application, including bank-account and cash-flow information obtained through a data-aggregation provider (Plaid, accessed via Stripe) and rent, utility, telecommunications, and similar payment data (which may include sources such as NCTUE, DataX, The Work Number, and buy-now-pay-later data). We may use automated processes and statistical or machine-learning models in our evaluation.

PURPOSE OF THE CONSUMER REPORT

Consumer reports will be obtained solely for permissible purposes under the FCRA, including evaluating your application for credit or financing; making decisions related to approval or denial; and reviewing, updating, or servicing an existing account, if applicable.

AUTHORIZATION

By checking this box and submitting your application, you authorize Eos to obtain consumer reports about you for the purposes described above. You understand that Eos may first obtain a soft inquiry that does not affect your credit score; that a hard inquiry may be obtained if your application proceeds to final review; and that this authorization may remain in effect for the duration of your relationship with Eos, as permitted by law.

YOUR RIGHTS AND ADVERSE ACTION

If we take an adverse action — for example, denying your application or offering less favorable terms — based in whole or in part on information in a consumer report or on a credit score, we will provide you the notices required by the Equal Credit Opportunity Act and the FCRA, including the specific principal reasons for the decision, the name of the consumer reporting agency we relied on, and a copy of “A Summary of Your Rights Under the Fair Credit Reporting Act.” Where risk-based pricing or a credit score is used, you will also receive the applicable credit-score or risk-based-pricing disclosure. You have rights under the FCRA; additional information is available from the Consumer Financial Protection Bureau and the Federal Trade Commission. A copy of “A Summary of Your Rights Under the Fair Credit Reporting Act” is provided at https://files.consumerfinance.gov/f/documents/bcfp_consumer-rights-summary_2018-09.pdf.

HOW YOU ACCEPT

You accept this FCRA Disclosure and Credit Authorization electronically by checking the box in your Eos Loan application or account. Eos records your acceptance — including the date and time and the version you accepted — which, under the federal E-SIGN Act, serves as your signature and has the same legal effect as a handwritten one. You may request a paper copy.