WEBSITE DISCLAIMER

Effective Date: December 11, 2025

COMPANY IDENTIFICATION

LVRG, LLC, doing business as LVRG Business Funding ("LVRG," "we," "us," or "our"), is a Michigan limited liability company headquartered at 615 Griswold Street, Suite 700, Detroit, Michigan 48226. This Disclaimer governs your use of LVRGFunding.com and LVRGLLC.com (the "Website").

NATURE OF BUSINESS OPERATIONS

Dual Business Model: LVRG operates through a hybrid model combining (1) direct lending capabilities using our own capital or institutional funding partners, and (2) broker/referral relationships with banks, credit unions, and commercial finance companies ("Partner Lenders"). The capacity in which we operate is determined transaction-by-transaction based on loan type, size, and borrower qualifications. You will be informed of our role and the funding source during the application process.

Financing Products ($50K-$50M): Cash flow/working capital financing, revenue-based financing, merchant cash advances, SBA 7(a) and 504 loans, USDA Business & Industry loans, equipment financing, business lines of credit, commercial real estate financing, business acquisitions, partner buyouts, and M&A transaction financing.

Business Consulting Services: Charles M. Barr, CEO of LVRG, provides separate fee-based business consulting, advisory, and coaching services independent from financing operations, including strategy development, cash flow optimization, growth planning, and general business advisory. Consulting services do not guarantee specific business results, revenue increases, profit improvements, or outcomes. Business success depends on numerous factors including execution quality, market conditions, management capabilities, and circumstances beyond our control. Clients remain solely responsible for all business decisions, implementation of strategies, and outcomes. LVRG is not liable for any business losses, missed opportunities, failed strategies, competitive setbacks, or other adverse outcomes resulting from consulting advice or recommendations. All disclaimers and limitations herein apply equally to consulting services.

LICENSING AND REGULATORY COMPLIANCE

LVRG exclusively facilitates commercial business financing for established business entities and does not engage in consumer lending, residential mortgage lending, or any form of consumer financing. All financing products and services offered are commercial in nature, provided to business entities for legitimate business purposes, and are exempt from consumer lending regulations under applicable federal and Michigan state law.

LVRG operates in full compliance with all applicable federal and state laws governing commercial lending and brokerage activities. Under Michigan law and the laws of other states in which LVRG operates, commercial finance facilitators providing business-to-business financing that exceeds consumer lending thresholds are not required to obtain or maintain consumer loan broker licenses or registrations. Where specific state or federal licensing, registration, or regulatory requirements apply to particular transaction types (including certain commercial real estate transactions, equipment financing, or regulated loan products), LVRG ensures full regulatory compliance through one or more of the following: (a) operating within applicable exemptions for commercial lending activities; (b) facilitating transactions through Partner Lenders who maintain all required federal and state licenses, registrations, and regulatory authorizations; or (c) obtaining any transaction-specific authorizations required by applicable law.

NMLS #: Not applicable. LVRG provides commercial business financing exclusively and does not engage in residential mortgage lending or other activities requiring NMLS registration.

NO GOVERNMENT AFFILIATION

LVRG is privately owned and not affiliated with, endorsed by, or sponsored by the U.S. Small Business Administration (SBA), U.S. Department of Agriculture (USDA), State of Michigan, or any government agency. References to "SBA" or "USDA" describe government-guaranteed loan programs and do not imply government affiliation or endorsement.

INFORMATIONAL PURPOSES ONLY

All Website content is for general informational and educational purposes only. Nothing constitutes financial advice, legal advice, tax advice, accounting guidance, investment recommendations, or professional services requiring licensure. LVRG and its representatives are not licensed attorneys, Certified Public Accountants (CPAs), Enrolled Agents, tax preparers, or investment advisors. Any discussions regarding tax strategies, accounting methods, legal structures, or financial planning during consulting engagements are general business discussions only and do not constitute professional tax, accounting, or legal advice. You must consult qualified licensed professionals (attorneys, CPAs, tax advisors) for specific advice on tax, legal, and accounting matters. You are solely responsible for evaluating information accuracy and seeking appropriate professional advice before making business or financial decisions.

WEBSITE INFORMATION NOT BINDING

Information on this Website regarding financing products, programs, rates, terms, fees, eligibility criteria, approval timelines, and other details is for illustrative and marketing purposes only and does not constitute a binding offer, rate quote, term sheet, loan commitment, or guarantee of financing. Financing products and programs displayed may be added, changed, modified, suspended, or discontinued at any time without notice. Rates, terms, fees, and eligibility requirements are subject to change based on market conditions, lender policies, borrower qualifications (including credit scores, debt levels, industry type, time in business, collateral quality), and other factors. Submission of a loan application through this Website does not guarantee approval, funding, or any specific loan terms. All financing is subject to underwriting, credit approval, satisfactory due diligence, and execution of definitive loan documents. This Website is a marketing platform, not a binding contract or commitment to lend.

NO GUARANTEE OF APPROVAL OR TERMS

LVRG makes no guarantees regarding loan approval, interest rates, terms, fees, closing timelines, or funding. All financing is subject to credit approval, underwriting, and satisfactory due diligence. Loan availability and terms depend on creditworthiness, financial condition, collateral, industry, time in business, debt ratios, economic conditions, lender capacity, and program requirements. Past results, case studies, and testimonials do not guarantee future outcomes. Individual results vary materially.

RATE AND FEE DISCLOSURES

Rates, fees, and terms displayed are estimates for illustrative purposes only and subject to change without notice. Actual rates are determined by the funding source based on borrower qualifications and market conditions. APR will be higher than stated rates due to fees including SBA guarantee fees (0.5%-3.75%), origination fees, broker fees (where applicable), appraisal costs, environmental assessments, title insurance, legal fees, recording fees, and other closing costs. Third-party costs such as credit reports, appraisals, environmental assessments, business valuations, background checks, lien searches, and other due diligence expenses are paid directly to Partner Lenders, banks, and service providers and are typically non-refundable regardless of loan approval or closing. You will receive complete written disclosure from the funding source prior to closing. When acting as broker, LVRG receives compensation from Partner Lenders in the form of referral fees, broker fees, or commissions, which does not increase borrower costs beyond disclosed fees.

FEES AND REFUND POLICY

Retainer Fees: For certain conventional and traditional loan products facilitated through Partner Lenders and commercial lending institutions, LVRG may require a retainer fee to cover our time, costs, work, and to deter fraud and non-serious inquiries. Retainer fees vary on a deal-by-deal basis depending on transaction complexity, loan size, and services required. Retainer fees are disclosed upfront, agreed to in writing through a separate Retainer/Consulting Fee Agreement, and paid prior to commencing substantive work. Retainer fees are non-refundable regardless of loan approval, loan denial, transaction closing, or transaction failure for any reason. Retainer fees compensate LVRG for services rendered including but not limited to: loan structuring, lender selection, application preparation, document compilation, underwriting support, lender negotiations, and transaction coordination.

Consulting and Advisory Fees: Business consulting, advisory, and coaching services provided by Charles M. Barr and LVRG are fee-based as described on the Website and in consulting service agreements. Consulting fees are separate from financing fees. Consulting fees may include one-time session fees, hourly rates, or ongoing advisory retainers as agreed in writing. All consulting fees are due as specified in consulting agreements and are non-refundable once services are rendered.

No Refunds: All fees paid to LVRG (including retainer fees and consulting fees) are non-refundable. Fees compensate LVRG for professional services, time, expertise, and resources committed to your transaction or engagement, regardless of ultimate outcomes. Third-party costs paid to Partner Lenders, banks, appraisers, title companies, and other service providers are governed by those parties' refund policies, not LVRG's policies.

CREDIT AUTHORIZATION AND BACKGROUND CHECKS

By submitting a loan application or inquiry through this Website, you authorize Partner Lenders, banks, and commercial lending institutions to obtain credit reports, conduct background checks, perform lien searches, verify information, and conduct other due diligence necessary to evaluate your loan application. Partner Lenders may conduct soft credit pulls (which do not affect credit scores) or hard credit pulls (which may affect credit scores), at their discretion and in accordance with their underwriting policies. LVRG does not conduct credit pulls, background checks, or lien searches in-house. All credit inquiries, background checks, and verification activities are conducted by Partner Lenders and third-party service providers in accordance with the Fair Credit Reporting Act (FCRA) and applicable laws. You acknowledge that multiple lender inquiries may result in multiple credit pulls, which could impact your credit score.

PARTNER LENDER INDEPENDENCE

Partner Lenders are independent third-party financial institutions that make all credit decisions, set pricing, determine terms, and control approval/denial decisions for transactions they fund. LVRG has no control over, and cannot influence, Partner Lenders' underwriting decisions, credit policies, approval criteria, interest rates, fees, loan terms, or conditions. When LVRG operates as a broker or facilitator, we present your loan application to Partner Lenders, but all substantive decisions regarding your financing (including whether to approve, deny, or modify terms) are made solely and exclusively by Partner Lenders according to their independent underwriting guidelines and risk policies. LVRG is not responsible for Partner Lenders' decisions, delays, or actions. When LVRG operates as a direct lender using our own capital, all underwriting and credit decisions are made by LVRG according to our internal policies.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, LVRG, its members, officers, employees, agents, contractors, and affiliates ("Released Parties") shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages (including loss of profits, business opportunities, data, or goodwill) arising from: use of or inability to use this Website, services, or information; reliance on Website information, advice, or recommendations; loan denials, unfavorable terms, delays, or failure to close transactions; changes in rates, market conditions, lender policies, or program requirements; errors, omissions, inaccuracies, or outdated Website content; business or financial decisions made based on Website information or consulting advice; actions, omissions, delays, or defaults of Partner Lenders or third parties; technical failures, security breaches, cyber attacks, unauthorized access, or data loss; non-refundable fees paid to Partner Lenders or third-party service providers; force majeure events, fraud by third parties, or any other matter relating to Website or services. IN NO EVENT SHALL RELEASED PARTIES' TOTAL LIABILITY EXCEED THE AMOUNT PAID BY YOU TO LVRG IN THE 12 MONTHS PRECEDING THE CLAIM (WHICH MAY BE ZERO FOR FINANCING APPLICANTS WHO HAVE NOT PAID RETAINER OR CONSULTING FEES).

ACCURACY OF INFORMATION

While we strive for accuracy, we make no guarantees regarding completeness, accuracy, reliability, or timeliness of Website content. Loan programs, rates, eligibility requirements, regulations, and lender policies are subject to change without notice. All information should be considered estimates for illustrative purposes. YOU ACKNOWLEDGE THAT RELIANCE ON WEBSITE INFORMATION IS AT YOUR OWN RISK.

NO ATTORNEY-CLIENT OR FIDUCIARY RELATIONSHIP

Submission of information through this Website does not create an attorney-client relationship, fiduciary relationship, agency relationship (except as specifically authorized in writing), or any confidential or privileged relationship under Michigan or federal law. Information you submit may be shared with Partner Lenders, co-lenders, underwriters, appraisers, title companies, attorneys, and other service providers as necessary to evaluate your loan inquiry and facilitate closing. While we treat client information professionally and securely, communications with LVRG are not protected by attorney-client privilege or other legal privileges.

CONSENT TO CONTACT

By submitting your contact information, you expressly consent to be contacted by LVRG via telephone (including mobile phones), text messages, email, and U.S. Mail regarding your loan inquiry and related services. This consent is not a condition of receiving any loan or service. You may revoke consent at any time by emailing info@lvrgllc.com with "REVOKE CONTACT CONSENT" in the subject line, calling (855) 998-5874, replying "STOP" to text messages, or clicking "unsubscribe" in emails. Standard message and data rates may apply. Your contact information will not be sold or shared with unrelated third parties for marketing purposes.

PRIVACY AND DATA SECURITY

LVRG is committed to protecting your information in accordance with applicable privacy laws. We collect contact, business, and financial information you provide to evaluate loan eligibility and facilitate transactions. All data is transmitted and stored using bank-level SSL/TLS encryption (minimum 256-bit), protected by firewalls and access controls, accessible only to authorized personnel, and backed up with encrypted storage. Despite these measures, no system is 100% secure and we cannot guarantee absolute security against all threats. Data Retention and Deletion: LVRG does not store client files or documents beyond the active transaction period. For security and privacy purposes, all client files, financial documents, and application materials are permanently deleted from our systems and cloud-based platforms immediately following loan funding or transaction decline/abandonment. We do not maintain long-term archives of client files. However, we may retain limited transaction records as required by law for tax reporting and regulatory compliance, but detailed financial documents are not retained. We do NOT sell, rent, or lease personal or business information to third parties, marketers, or data brokers. You have the right to access, correct, or request deletion of your information (subject to legal retention requirements). Contact info@lvrgllc.com to exercise these rights.

ELECTRONIC SIGNATURES AND COMMUNICATIONS

By using this Website, you consent to conduct business electronically. Electronic signatures, contracts, and documents have the same legal validity as handwritten signatures and paper documents under federal and Michigan law. You consent to receive documents, disclosures, and communications electronically. You may request paper copies or withdraw consent by emailing info@lvrgllc.com with "WITHDRAW ELECTRONIC CONSENT" in the subject line.

GEOGRAPHIC SCOPE

LVRG is headquartered in Detroit, Michigan and serves businesses nationwide across all 50 states. Loan availability, program eligibility, and service offerings may vary by state due to lender restrictions, state regulations, or program availability.

EQUAL OPPORTUNITY

LVRG is committed to equal opportunity and does not discriminate based on race, color, religion, national origin, sex, gender identity, sexual orientation, marital status, age, disability, genetic information, military status, or any characteristic protected under federal, state, or local law. All Partner Lenders comply with fair lending laws including ECOA, Fair Housing Act, ADA, and Michigan Elliott-Larsen Civil Rights Act.

THIRD-PARTY LINKS

This Website may link to third-party websites. LVRG does not control or assume responsibility for third-party content, privacy policies, security, or transactions. Access third-party websites at your own risk.

ACCEPTABLE USE POLICY

You agree to use this Website lawfully and not to: (a) violate laws or regulations; (b) gain unauthorized access; (c) transmit harmful code; (d) submit false or fraudulent information; (e) violate intellectual property or privacy rights; or (f) engage in fraudulent activities. Violations may result in termination of access and legal action.

INTELLECTUAL PROPERTY RIGHTS

All Website content is the property of LVRG, LLC and protected by intellectual property laws. "LVRG," "LVRG Business Funding," and associated logos are trademarks of LVRG, LLC. You may access the Website for personal, non-commercial use only. You may not reproduce, distribute, or modify Website content without written permission.

MODIFICATIONS AND UPDATES

LVRG reserves the right to modify this Disclaimer, the Website, or services at any time. Changes are effective immediately upon posting. Your continued use constitutes acceptance. Review this Disclaimer periodically for updates.

INDEMNIFICATION

You agree to indemnify and hold harmless LVRG and Released Parties from any claims, losses, and expenses (including attorneys' fees) arising from: your use of the Website; violation of this Disclaimer or laws; misrepresentations in information provided; fraud or illegal activity; business decisions; or disputes with Partner Lenders or third parties.

FORCE MAJEURE

LVRG shall not be liable for delays or failures resulting from causes beyond our reasonable control including natural disasters, government actions, pandemics, internet failures, cyber attacks, or financial market disruptions.

DISPUTE RESOLUTION AND ARBITRATION

Mandatory Arbitration: Any dispute arising from this Website, services, or relationship with LVRG shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) in Oakland County, Michigan, rather than in court (except as provided below). Class Action Waiver: YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION. Any arbitration shall be conducted on an individual basis only. Jury Trial Waiver: YOU WAIVE YOUR RIGHT TO A JURY TRIAL. Exceptions: Either party may seek injunctive relief in court for intellectual property matters, bring actions in small claims court, or report fraud to authorities. Opt-Out Right: You may opt out within 30 days of first using this Website by emailing info@lvrgllc.com with "ARBITRATION OPT-OUT" in the subject line, including your name, address, phone, and clear opt-out statement.

GOVERNING LAW AND JURISDICTION

This Disclaimer is governed by Michigan law. Any disputes not subject to arbitration shall be resolved in state or federal courts in Oakland County, Michigan. You consent to jurisdiction and venue in such courts.

SEVERABILITY

If any provision is found invalid, it shall be modified to accomplish its objectives, and remaining provisions remain in effect. If the class action waiver is invalid, the entire arbitration provision is void.

ENTIRE AGREEMENT

This Disclaimer, together with our Privacy Policy, constitutes the entire agreement regarding Website use. You may not assign your rights. LVRG may assign its rights without restriction.

CONTACT INFORMATION

LVRG, LLC d/b/a LVRG Business Funding 615 Griswold Street, Suite 700 Detroit, MI 48226 Phone: (855) 998-5874 Email: info@lvrgllc.com Websites: LVRGFunding.com | LVRGLLC.com

ACKNOWLEDGMENT AND ACCEPTANCE

BY ACCESSING OR USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY ALL TERMS OF THIS DISCLAIMER. IF YOU DO NOT AGREE, YOU MUST IMMEDIATELY CEASE ALL USE.