Terms of Service

By accessing or using the Mainlynk website at mainlynk.com (the "Site") or any platform services made available by Mainlynk, Inc. ("Mainlynk," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you are accessing the Site or Services on behalf of a financial institution or other organization, you represent that you have authority to bind that organization to these Terms.

If you do not agree to these Terms, do not use the Site or Services.

Mainlynk operates a governed institutional network platform that enables community banks, credit unions, and specialty lenders to collaborate on credit referral opportunities while preserving customer relationships. The platform is designed exclusively for institutional participants — financial institutions, lenders, and their authorized representatives.

Mainlynk is not a lender, broker, agent, or loan originator. Mainlynk does not arrange, negotiate, or approve financing. It does not engage in borrower-specific referrals. All lending decisions are made solely by participating financial institutions. Lendflow serves as broker of record for applicable activities. Mainlynk is responsible for channel design, alignment, and governance.

Access to the full platform requires a separate participation agreement. These Terms govern use of the public Site and any pre-participation interactions.

The Site and Services are intended for use by authorized representatives of financial institutions, specialty lenders, and other institutional entities. By using the Site, you represent that:

• You are at least 18 years of age
• You are accessing the Site in a professional or institutional capacity
• Your use of the Site complies with all applicable laws and regulations
• You have the authority to enter into these Terms on behalf of any organization you represent

The Site is not directed to consumers seeking personal financial products or services.

Access to the Mainlynk network platform is subject to a separate Participation Agreement between Mainlynk and each participating institution. These Terms do not grant any right to access the platform or participate in the network.

Participation in the network is subject to Mainlynk's onboarding standards, governance policies, and applicable regulatory requirements. Mainlynk reserves the right to accept or decline any institution's application to participate in the network at its sole discretion.

Participating institutions are responsible for ensuring that their use of the platform complies with all applicable laws, regulations, and their own internal compliance policies, including but not limited to the Bank Secrecy Act, the Equal Credit Opportunity Act, the Community Reinvestment Act, and applicable state lending laws.

All content on the Site — including text, graphics, logos, icons, images, and software — is the property of Mainlynk or its licensors and is protected by applicable intellectual property laws.

You may access and view the Site for informational and business evaluation purposes. You may not:

• Copy, reproduce, distribute, or create derivative works from Site content without our prior written consent
• Use any Mainlynk trademarks, service marks, or logos without authorization
• Scrape, crawl, or systematically extract data from the Site
• Reverse engineer or attempt to extract source code from any platform software

Nothing in these Terms grants you any license to Mainlynk's intellectual property beyond the limited right to access the Site as described herein.

You agree not to use the Site or Services to:

• Violate any applicable law, regulation, or third-party right
• Transmit any content that is unlawful, harmful, fraudulent, or deceptive
• Impersonate any person or entity or misrepresent your affiliation with any institution
• Interfere with or disrupt the operation of the Site or any connected systems
• Attempt to gain unauthorized access to any portion of the Site or platform
• Use the Site to solicit or recruit participants away from the Mainlynk network in violation of any participation agreement
• Circumvent any relationship protection, anti-poaching, or data use restrictions established by the network governance framework

Mainlynk reserves the right to terminate access for any user who violates these Terms.

THE SITE AND ANY INFORMATION PROVIDED THEREON ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. MAINLYNK DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Mainlynk does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. Information on the Site is provided for general informational purposes only and does not constitute legal, financial, regulatory, or investment advice.

Nothing on the Site constitutes an offer to sell or a solicitation of an offer to buy any security. Any investment-related discussions are for informational purposes only and are directed to sophisticated institutional parties.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MAINLYNK AND ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES, EVEN IF MAINLYNK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL MAINLYNK'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS EXCEED ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

You agree to indemnify, defend, and hold harmless Mainlynk and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Site or Services, your violation of these Terms, or your violation of any applicable law or the rights of any third party.

The Site may contain links to third-party websites or reference third-party services, including Lendflow, Cenerus, Kobalt Labs, and other technology partners. These links are provided for convenience only. Mainlynk does not endorse and is not responsible for the content, privacy practices, or terms of any third-party site or service.

Your interactions with third-party sites and services are governed by their respective terms and privacy policies. Mainlynk is not a party to any transaction or relationship between you and any third party.

These Terms are governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights.

You waive any right to participate in a class action lawsuit or class-wide arbitration.

Mainlynk reserves the right to modify these Terms at any time. When we make material changes, we will update the effective date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically. If you do not agree to the revised Terms, you must stop using the Site.

Entire Agreement. These Terms, together with our Privacy Policy and any applicable Participation Agreement, constitute the entire agreement between you and Mainlynk with respect to the Site and Services.

Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Waiver. Mainlynk's failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.

Assignment. You may not assign your rights or obligations under these Terms without Mainlynk's prior written consent. Mainlynk may assign these Terms freely.

If you have questions about these Terms, please contact us at:

Mainlynk, Inc. [email protected]

We will respond to all inquiries within a reasonable timeframe.