The VERUM Group and its subsidiaries, as private equity managers, lenders, and consulting brokers, engage in underwriting originated loans for various lenders, whether through in-house funding or external sources. The VERUM Funding Group, LLC, a wholly owned subsidiary of the VERUM Group & Co, originates the loans. The company may also broker deals with other state-licensed lenders to mitigate risk.

It is important to note that the VERUM Group & Co, in its capacity as a consultant, is not a registered "broker," "lender," or "dealer" as defined by the Securities Exchange Act of 1934 and will not engage in any activities that may affect transactions in securities for the account of the Company. Specifically, the company will not participate in the negotiation of terms and conditions of the sale or purchase of any securities, assist in the distribution of materials relating to the sale of securities, provide analysis or advice to potential investors, directly assist in the completion of a transaction, facilitate the sale, exchange, or transfer of securities, handle any funds received from potential investors, discuss the details of a proposed transaction with a potential investor, or make recommendations to a potential investor regarding a transaction.

Disclosures" refers to providing information or making something known to the public or a specific individual or group. In legal agreements, disclosures typically refer to any information a party to the contract must reveal or make known to the other party, such as potential conflicts of interest, financial information, or further relevant details.

EXPIRATION OF QUOTE
The pricing quote provided in this document shall expire after 72 hours. This quote is provided for informational purposes only. It is neither a contract nor a commitment to accept this quote that does not constitute a binding agreement. Any funding provided shall be subject to the execution of a separate contract and satisfying all applicable terms and conditions.

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QUOTE BASED ON PROVIDED INFORMATION
The quote provided in this document is based on the information provided by the guarantor. If the section is accepted, the guarantor will receive conditional approval and a letter of credit (LOC) to proceed with the transaction. Any discrepancies or changes in the provided information may result in a revised quote, conditional approval, and LOC withdrawal.

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PROCESSING OF FUNDING
The guarantor and the VERUM Group & Co funding manager are responsible for ensuring that all necessary documentation and information is provided promptly to facilitate the prompt processing of funding. The processing of financing of the business shall begin on the date that the guarantor and the VERUM Group & Co funding manager execute the conditional approval. Any delays in the execution of the conditions result in delays in the processing of funding.

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EXPEDITED DISBURSEMENT
The information on the proposal shall be fulfilled, funded, and disbursed within ten business days of the accepted conditional approval based on the expedited disbursement process, subject to the condition that all required documents are received and reviewed within 72 hours of the conditional approval. The expedited disbursement process is subject to the timely receipt and review of all the necessary documents.

It is important to note that if the Company requests services that would cause the consultant to become a broker-dealer, investors may have the right to rescind the transaction or take legal action for damages. For any inquiries regarding these matters, please get in touch with riskmanagement@verum.company or call 1-888-652-8640. The VERUM Group & Co is the sole underwriter for the VERUM Opportunity Fund and CDFI Funding Organization; for inquiries, please call 1-888-356-2450. The Barry Counselors International Law Office represents the company.

Proposed Payment Amount: The payment amount outlined in this document is a suggested amount and is subject to change based on the final commitment and disbursement. The borrower acknowledges and agrees that the payment amount may be revised based on the final distribution and allocation and that the final payment amount may differ from the proposed amount outlined in this document. Any changes to the payment amount will be communicated to the borrower in writing before the disbursement of funds.