# nCino Indirect Lending Addendum

nCino Indirect Lending Addendum July 2024


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The following terms apply to the nCino Indirect Lending Services:

INFORMATION PROVIDED

Subscriber will provide to nCino, in form, content and by method acceptable to nCino, (i) its criteria for approval of motor vehicle or other loans, (ii) the interest rates charged by Subscriber for such loans; (iii) the fees or other compensation Subscriber will pay to providers or automobile dealers providing loans or leases through the use of the Indirect Lending Services; and (iv) the codes, numbers, passwords or other information necessary for ordering the credit reports used by Subscriber for underwriting applications for credit. The Indirect Lending Services will automatically pull the necessary credit reports and evaluate credit applications based on the criteria provided by Subscriber and on information it receives from applications and credit reporting agencies, but neither nCino nor its employees will make any decision or recommendation to approve or decline any application. Subscriber will be solely responsible for the accuracy of all information it provides and for updating such criteria, rates and other information in a timely manner. Subscriber will also be responsible for all fees charged by the credit reporting agencies for credit reports ordered by the Indirect Lending Services using Subscriber’s subscription. Under no circumstances will nCino be liable for any inaccuracy in such information provided by Subscriber.

SUPERVISION; ADMINISTRATION; TRAINING

Subscriber will designate at least one of its employees to be responsible for Subscriber’s compliance with this Agreement. It will also designate and train such personnel as may be appropriate to review applications referred to Subscriber for manual review and to respond to e-mail, on-line, or phone inquiries from applicants, automobile dealers or providers submitting such applications in a timely manner.

nCino will provide initial training on use of the Indirect Lending Services for any Subscriber personnel and may, in nCino’s sole discretion, provide initial training for automobile or other equipment dealers or vendors or service providers with which Subscriber has a lending relationship and that Subscriber has elected to include on the use and function of the Indirect Lending Services. nCino will provide such training by online screen-sharing meetings. nCino may also provide such training by personal visits if requested by Subscriber, subject to the written agreement of the parties. Subscriber will reimburse nCino for its reasonable travel related expenses associated with such training. nCino may provide additional training for Subscriber personnel on the use and function of the Indirect Lending Services from time to time as needed by telephone or screen sharing at Subscriber’s expense. Subscriber will make reasonable efforts to provide continuing training on the use and function of the Indirect Lending Services for its own personnel in such a way as to promote the effective use of the Indirect Lending Services by such personnel and by dealers and by vendors or providers.

CREDIT REPORTS

Subscriber hereby authorizes nCino as its agent to provide the access codes for its subscriptions with any one or more of the consumer credit reporting agencies (such as Equifax, Experian and TransUnion) to its agent, Digital Matrix Systems, Inc. (“DMS”), for the purpose of obtaining credit reports and other private information of Subscriber’s customers from DMS on behalf of Subscriber in connection with the Indirect Lending Services. Further, Subscriber authorizes nCino to receive the data necessary to render credit reports of Subscriber’s customers from DMS and to provide those credit reports to Subscriber through the Indirect Lending Services. The access codes received from Subscriber and all data received by nCino from DMS shall be subject to the obligations of confidentiality and security set forth in the Agreement.

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