SMS Campaign Terms and Conditions

1. Program Name

Bellevue Capital Group Client Communications Program

2. Program Description

Bellevue Capital Group uses text messaging to communicate with prospective and existing clients, borrowers, guarantors, sponsors, brokers, lenders, vendors, and other authorized transaction participants.

Depending on your relationship with us and the consent you provide, messages may include:

• Responses to financing inquiries
• Appointment and meeting reminders
• Loan-application updates
• Commercial financing transaction updates
• Underwriting updates
• Document requests
• Missing-document reminders
• Closing and funding updates
• Account or platform notifications
• Customer-service communications
• Follow-up communications requested by the recipient
• Other transaction-related or service-related information

Bellevue Capital Group will not use consent to receive transactional messages as consent to receive unrelated marketing or promotional messages.

3. How Users Opt In

Recipients may consent to receive Bellevue Capital Group text messages through one or more of the following methods:

Verbal Consent

During a telephone call or in-person conversation, an authorized Bellevue Capital Group representative may ask whether the recipient agrees to receive text messages concerning the recipient's inquiry, requested financing services, appointments, document requirements, application, or transaction.

Before obtaining consent, the representative explains:

• That the messages will be sent by Bellevue Capital Group;
• The types of messages the recipient may receive;
• That message frequency varies;
• That message and data rates may apply;
• That the recipient can reply STOP to unsubscribe;
• That the recipient can reply HELP for assistance; and
• That consent is not a condition of purchasing any product or service.

The recipient must affirmatively agree before text messages are sent. Bellevue Capital Group records the recipient's consent, including the telephone number, date, time, method of consent, consenting individual, and the employee who obtained consent.

Verbal consent is used only for nonmarketing communications, including responses to inquiries, document requests, appointment reminders, application updates, and transaction-related messages.

Website or Electronic Consent

Where available, a user may enter a mobile phone number and actively select an unchecked checkbox agreeing to receive text messages from Bellevue Capital Group.

The consent language is displayed at or near the checkbox and identifies the message types, anticipated frequency, possible message and data rates, and opt-out instructions.

The SMS consent checkbox is optional, is not selected by default, and is separate from acceptance of general website terms or the Privacy Policy.

Text-Based Consent

A recipient may opt in by sending an affirmative keyword or response, such as START, YES, or SUBSCRIBE, in response to a Bellevue Capital Group consent request.

When written consent is required, Bellevue Capital Group may send a one-time request asking the recipient to reply YES before recurring messages begin.

4. Consent Is Not a Condition of Service

Consent to receive text messages is not a condition of obtaining financing, purchasing any product, or receiving any service from Bellevue Capital Group.

You may choose to communicate with us through other available channels, including telephone or email.

5. Message Frequency

Message frequency varies based on your communications with Bellevue Capital Group and the activity associated with your inquiry, application, account, or transaction.

During an active financing transaction, you may receive multiple messages per week concerning appointments, documents, underwriting, closing requirements, or transaction updates. During periods without active transaction activity, you may receive few or no messages.

6. Message and Data Rates

Message and data rates may apply.

Your wireless carrier may charge fees for sending or receiving text messages. Bellevue Capital Group is not responsible for charges imposed by your carrier.

Contact your wireless carrier for information about your messaging or data plan.

7. Opting Out

You may withdraw your consent and stop receiving text messages at any time by replying:

STOP

We may also recognize similar opt-out requests, including CANCEL, END, QUIT, REVOKE, OPT OUT, or UNSUBSCRIBE.

After submitting an opt-out request, you may receive one final text message confirming that you have been unsubscribed. After that confirmation, Bellevue Capital Group will not send additional messages through the applicable messaging program unless you provide new consent.

Opting out of text messages does not prevent Bellevue Capital Group from contacting you through another lawful method when necessary to respond to your request, administer an active transaction, comply with the law, or provide a requested service.

8. Re-Enrolling

After opting out, you may request to receive messages again by contacting Bellevue Capital Group or replying START, where supported.

New consent may be required before text messaging resumes.

9. Help and Customer Support

For assistance:

• Reply HELP to a Bellevue Capital Group text message;
• Email [email protected]; or
• Call (844) 739-9226.

Customer support is generally available Monday through Friday during normal business hours.

10. Supported Carriers

Text-message delivery may be supported by major United States wireless carriers and other participating carriers. Carrier participation and availability may change without notice.

Wireless carriers are not liable for delayed or undelivered messages.

Message delivery is subject to effective transmission by your wireless carrier and is outside Bellevue Capital Group's complete control.

11. Mobile Number Eligibility

By enrolling, you represent that:

• You are at least 18 years old;
• You are the subscriber or customary user of the mobile number provided;
• You are authorized to consent to messages at that number; and
• The information you provide is accurate.

If you change, deactivate, transfer, or relinquish your mobile number, you must notify Bellevue Capital Group or reply STOP before discontinuing use of the number.

12. Privacy and Mobile-Information Protection

Bellevue Capital Group respects your privacy.

Bellevue Capital Group does not sell, rent, share, transfer, or provide mobile phone numbers, SMS opt-in information, or text-messaging consent to third parties, affiliates, lead generators, or other organizations for their marketing or promotional purposes.

Mobile information may be provided to Twilio, telecommunications carriers, and communications service providers solely as necessary to transmit messages, maintain the messaging program, provide technical support, prevent fraud, record consent and opt-out activity, and comply with applicable law.

These service providers are not authorized to use your mobile information or SMS consent for their own marketing or promotional purposes.

For more information, review the Bellevue Capital Group Privacy Policy at:

https://suite.bellevuecapitalgroup.com/privacy

13. Marketing Communications

Verbal consent obtained for transaction-related or service-related text messages does not authorize Bellevue Capital Group to send promotional or marketing messages.

If Bellevue Capital Group offers a promotional text-message program, recipients will be asked to provide any express written consent required by applicable law. Written consent may be obtained through an unchecked electronic checkbox, signed form, or affirmative text-message response.

Consent to receive marketing messages is not a condition of purchasing any product or service.

14. Prohibited Use and Recipient Responsibilities

You agree not to use the messaging program to:

• Transmit unlawful, fraudulent, abusive, or threatening content;
• Impersonate another person;
• Interfere with the operation or security of the messaging service;
• Submit a mobile number that you are not authorized to use; or
• Attempt to access information belonging to another person.

15. Disclaimer

Text messages are provided for communication and informational purposes. A text message does not constitute:

• Final loan approval;
• A commitment to lend;
• A guarantee of financing;
• Legal, tax, accounting, or investment advice; or
• A modification of an executed written agreement.

Financing terms, approvals, and commitments are effective only when provided in an authorized written document.

Do not transmit highly sensitive information—such as complete Social Security numbers, passwords, or bank-account credentials—through an unsecured text message unless specifically directed to use an approved secure method.

16. Changes to These SMS Terms

Bellevue Capital Group may update these SMS Terms to reflect changes in the messaging program, technology, business operations, carrier requirements, or applicable law.

The revised terms will become effective when posted, unless applicable law requires additional notice or consent.

The "Last Updated" date at the top indicates when these SMS Terms were most recently revised.

17. Governing Law

These SMS Terms are governed by applicable federal law and the laws of the State of Washington, without regard to conflict-of-law principles.

Nothing in these SMS Terms limits any non-waivable consumer right or remedy available under applicable law.