PRIVACY POLICY

 Effective Date: July 16, 2026

1. Purpose and Scope

TrustBridge Capital™, LLC ("TrustBridge," "we," "our," or "us") is committed to protecting the privacy, confidentiality, and security of the personal information entrusted to us.

This Privacy Policy ("Policy") explains how we collect, use, disclose, retain, and safeguard personal information when you visit our website, submit a loan inquiry or application, communicate with us, or otherwise interact with our products and services.

This Policy applies to all individuals and entities who interact with TrustBridge Capital, including borrowers, prospective borrowers, brokers, mortgage professionals, referral partners, investors, vendors, contractors, and visitors to our website.

This Policy applies to information collected through our website, online applications, customer portals, email communications, telephone conversations, SMS text messaging, document submission platforms, and other communication channels operated by or on behalf of TrustBridge Capital.

By accessing our website or using our services, you acknowledge that you have read and understand this Privacy Policy.

2. Definitions

For purposes of this Privacy Policy, the following terms have the meanings set forth below:

"Company," "TrustBridge," "we," "our," or "us" means TrustBridge Capital™, LLC and its affiliated entities, subsidiaries, successors, and assigns, where applicable.

"Website" means www.trustbridgecap.com and any other website, landing page, portal, application, or digital platform owned or operated by TrustBridge Capital.

"Services" means all loan products, financing solutions, online applications, customer portals, document submission systems, educational resources, communications, and other products or services offered by TrustBridge Capital.

"Personal Information" means information that identifies, relates to, describes, or could reasonably be linked to an identified or identifiable individual, either directly or indirectly, as defined under applicable law.

"Sensitive Personal Information" means categories of personal information that receive additional legal protection under applicable law, including but not limited to government-issued identification numbers, financial account information, authentication credentials, and other protected information.

"Usage Information" means information automatically collected through your interaction with our Website or Services, including device information, browser type, IP address, pages visited, referring websites, operating system, timestamps, and similar technical information.

"Service Provider" means any third party engaged by TrustBridge Capital to perform services on our behalf, including cloud hosting providers, customer relationship management platforms, analytics providers, payment processors, document management providers, identity verification providers, appraisal management providers, title companies, and SMS or email communication providers.

"You" or "Your" means any individual or entity accessing or using our Website or Services.

3. Information We Collect

TrustBridge Capital collects information that you voluntarily provide, information that is collected automatically through your use of our Website and Services, and information received from third parties as permitted by law and in connection with providing our products and services.

The categories of information we may collect include, but are not limited to, the following:

Personal Information

Depending on your interaction with us, we may collect:

• Full name 
• Residential, mailing, or business address 
• Email address 
• Telephone and mobile phone numbers 
• Date of birth 
• Government-issued identification numbers (including Social Security Number, Individual Taxpayer Identification Number, driver's license, passport, or similar identification) 
• Employment and business information 
• Financial information, including bank account information, income, assets, liabilities, and credit-related information 
• Loan application information 
• Property information 
• Entity and ownership information 
• Information necessary to verify your identity or satisfy legal and regulatory requirements 

Business Information

For brokers, referral partners, investors, and business entities, we may collect:

• Company name 
• Business address 
• Employer Identification Number (EIN) 
• State formation documents 
• Licensing information (including NMLS numbers, where applicable) 
• Ownership and organizational information 
• Business financial information 
• Transaction and referral information 

Information Collected Automatically

When you access our Website or use our Services, we may automatically collect certain technical information, including:

• IP address 
• Browser type and version 
• Operating system 
• Device type 
• Pages visited 
• Time and date of access 
• Referring website 
• Clickstream and navigation data 
• Cookies and similar technologies 
• Website usage analytics 
• Email and SMS engagement metrics, where permitted by applicable law 

Information from Third Parties

We may receive information from third parties, including:

• Consumer reporting agencies 
• Identity verification providers 
• Fraud prevention services 
• Financial institutions 
• Government agencies 
• Business partners 
• Appraisal, title, insurance, escrow, and settlement service providers 
• Public records 
• Other third parties as authorized by you or permitted by law 

TrustBridge Capital does not knowingly collect personal information beyond what is reasonably necessary to provide our products and services, comply with legal and regulatory obligations, protect against fraud, or operate our business.

 4. How We Use Your Information

TrustBridge Capital uses the information we collect for legitimate business purposes, including to provide, administer, improve, protect, and support our products and services, comply with legal obligations, and operate our business.

Specifically, we may use your information to:

• Evaluate, process, underwrite, approve, service, and administer loan applications and financing requests. 
• Verify your identity and authenticate information you provide. 
• Obtain and review credit, financial, property, title, valuation, and other information necessary to evaluate a financing request. 
• Communicate with you regarding your loan inquiry, application, transaction, account, or relationship with TrustBridge Capital. 
• Provide customer service and respond to inquiries, requests, or support needs. 
• Schedule appointments, appraisals, inspections, closings, and other transaction-related activities. 
• Deliver notices, disclosures, agreements, account updates, and other legally required communications. 
• Send SMS text messages, emails, and telephone communications regarding your financing request, account, customer support, or other communications for which you have provided the necessary consent. 
• Improve our Website, products, services, technology, security, and customer experience. 
• Detect, investigate, prevent, and respond to fraud, unauthorized activity, cybersecurity threats, or other unlawful conduct. 
• Comply with applicable federal, state, and local laws, regulations, legal processes, court orders, and governmental requests. 
• Protect the rights, property, security, and legal interests of TrustBridge Capital, our customers, business partners, and the public. 
• Conduct internal business operations, including quality assurance, reporting, auditing, analytics, training, compliance, and risk management. 
• Enforce our agreements, policies, and legal rights. 
• Fulfill any other purpose for which the information was collected or as otherwise permitted or required by applicable law. 

We may aggregate or de-identify information so that it can no longer reasonably be used to identify an individual. Aggregated or de-identified information may be used for any lawful business purpose.

5. Communications

TrustBridge Capital may communicate with you by telephone, email, SMS text message, postal mail, secure online portals, or other lawful communication methods regarding your relationship with us.

Such communications may include, but are not limited to:

• Responses to loan inquiries 
• Loan application updates 
• Requests for additional information or documentation 
• Underwriting conditions 
• Appraisal and inspection scheduling 
• Closing coordination 
• Funding notifications 
• Customer service and account support 
• Required legal, regulatory, or transactional notices 
• Educational information regarding our lending products and services 
• Marketing or promotional communications, where you have provided any consent required by applicable law 

You may opt out of receiving marketing emails by following the unsubscribe instructions included in those communications. Please note that you may continue to receive transactional, servicing, legal, or account-related communications that are necessary to administer your relationship with TrustBridge Capital.

6. SMS Communications

Where you voluntarily provide your mobile telephone number and any consent required by applicable law, TrustBridge Capital may send SMS text messages regarding your loan inquiry, loan application, transaction, customer support, appointments, account activity, or other requested services.

SMS communications may include:

• Loan status updates 
• Document requests 
• Underwriting notifications 
• Appointment reminders 
• Appraisal scheduling 
• Closing coordination 
• Funding updates 
• Customer support 
• Other communications directly related to your relationship with TrustBridge Capital 

Message frequency varies based on your activity and communication preferences.

Message and data rates may apply.

You may opt out of receiving SMS messages at any time by replying STOP to any text message. For assistance, reply HELP or contact us at customercare@trustbridgecap.com or 866-980-3863.

Your consent to receive SMS communications is not a condition of obtaining financing or purchasing any product or service from TrustBridge Capital.

TrustBridge Capital does not sell, rent, or share mobile telephone numbers or SMS consent information with third parties or affiliates for their own marketing or promotional purposes.

7. Cookies and Tracking Technologies

TrustBridge Capital uses cookies and similar technologies to enhance your experience, improve the functionality of our Website, maintain security, understand how visitors use our Website, and support our business operations.

Cookies are small text files stored on your device that allow us to recognize your browser and remember certain information during future visits.

We may use the following categories of cookies and tracking technologies:

Essential Cookies

These cookies are necessary for the operation, security, and functionality of our Website and cannot be disabled through our Website. They enable core features such as page navigation, security, authentication, and form submissions.

Performance and Analytics Cookies

These technologies help us understand how visitors interact with our Website by collecting anonymous or aggregated information regarding website traffic, page usage, navigation patterns, and overall performance.

Functional Cookies

These cookies allow our Website to remember your preferences and settings to provide a more personalized user experience.

Advertising and Marketing Technologies

Where permitted by applicable law, we may use cookies, pixels, tags, or similar technologies to measure the effectiveness of our advertising campaigns, better understand user interests, and deliver more relevant marketing communications.

These technologies may be provided by trusted third-party service providers, including analytics, advertising, customer relationship management, and marketing automation platforms.

Most web browsers allow you to manage, restrict, or disable cookies through your browser settings. Please note that disabling certain cookies may affect the functionality or performance of portions of our Website.

Additional information regarding your choices for interest-based advertising may be available through applicable industry self-regulatory organizations.

Business Partners

We may share information with brokers, referral partners, lenders, warehouse lenders, investors, capital providers, loan purchasers, servicers, and other financing participants as necessary to evaluate, process, fund, service, participate in, or complete a financing transaction.

Legal and Regulatory Requirements

We may disclose information when we reasonably believe such disclosure is necessary to:

• Comply with applicable law 
• Respond to lawful subpoenas, court orders, or governmental requests 
• Cooperate with regulatory authorities 
• Protect against fraud or financial crime 
• Enforce our agreements and policies 
• Protect the rights, property, safety, or security of TrustBridge Capital, our customers, or others 

Corporate Transactions

Information may be transferred as part of a merger, acquisition, financing, restructuring, sale of assets, or other corporate transaction involving TrustBridge Capital.

With Your Authorization

We may disclose information to other parties when you direct us to do so or otherwise provide your authorization.

SMS Privacy

 TrustBridge Capital LLC will not share, sell, or disclose your personal information or mobile opt-in data to third parties without your explicit consent, except where required by law. Your information is kept confidential and used solely for the purposes you have agreed to.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with third parties. Text messaging opt-in data is not shared with third parties.

This restriction does not prohibit the use of service providers that assist TrustBridge Capital in delivering communications on our behalf or processing transactions in the ordinary course of business.

9. Data Retention

TrustBridge Capital retains personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, satisfy our contractual obligations, comply with applicable laws and regulations, resolve disputes, enforce our agreements, protect our legal interests, and maintain appropriate business and financial records.

The length of time we retain information depends on the nature of the information collected, the purpose for which it was collected, applicable legal or regulatory requirements, and our legitimate business needs.

In general, we may retain information for purposes including, but not limited to:

• Loan underwriting and servicing 
• Compliance with federal, state, and local laws and regulations 
• Recordkeeping and audit requirements 
• Fraud prevention and risk management 
• Legal claims and dispute resolution 
• Business continuity and disaster recovery 
• Internal reporting and operational purposes 

When personal information is no longer required, we will take commercially reasonable steps to securely delete, destroy, anonymize, or otherwise render the information unreadable or incapable of identifying an individual, unless continued retention is required or permitted by applicable law.

Notwithstanding the foregoing, TrustBridge Capital reserves the right to retain information for longer periods where reasonably necessary to comply with legal obligations, preserve evidence, protect legal rights, enforce agreements, investigate fraud, or respond to governmental or regulatory inquiries.

10. Information Security

TrustBridge Capital maintains administrative, technical, physical, and organizational safeguards designed to protect the confidentiality, integrity, and availability of the personal information entrusted to us.

These safeguards are designed to protect against unauthorized access, disclosure, alteration, destruction, misuse, or loss of personal information and are periodically reviewed and updated based upon evolving business needs, industry practices, legal requirements, and security risks.

Security measures may include, where appropriate:

• Encryption of sensitive information during transmission and, where applicable, at rest. 
• Access controls designed to limit information to authorized personnel with a legitimate business need. 
• Multi-factor authentication and secure authentication procedures. 
• Network monitoring, intrusion detection, and cybersecurity controls. 
• Employee training regarding privacy, confidentiality, and information security. 
• Vendor due diligence and contractual security requirements for applicable service providers. 
• Physical safeguards designed to protect facilities, systems, and records. 

While TrustBridge Capital employs commercially reasonable safeguards to protect personal information, no method of transmitting information over the Internet or storing electronic information can be guaranteed to be completely secure. Accordingly, TrustBridge Capital does not warrant or guarantee the absolute security of any information transmitted to or maintained by the Company.

You are responsible for maintaining the confidentiality of any account credentials, passwords, authentication methods, or devices used to access your information or our services and for promptly notifying TrustBridge Capital of any suspected unauthorized access or security incident involving your account.

11. Your Privacy Rights

Depending upon your state or country of residence and applicable law, you may have certain rights regarding the personal information maintained by TrustBridge Capital.

These rights may include the ability to:

• Request access to certain personal information we maintain about you. 
• Request correction of inaccurate or incomplete personal information. 
• Request deletion of personal information, subject to applicable legal and regulatory exceptions. 
• Request information regarding the categories of personal information we collect, use, disclose, or share. 
• Withdraw consent where our processing of personal information is based upon your consent. 
• Object to or request restrictions on certain processing activities, where permitted by applicable law. 
• Request a copy of certain personal information in a portable format where required by law. 
• Appeal certain privacy-related decisions where applicable law provides such rights. 

TrustBridge Capital will evaluate and respond to requests in accordance with applicable law. Certain information may be exempt from deletion or disclosure where retention is necessary to comply with legal obligations, prevent fraud, complete transactions, protect our legal rights, enforce agreements, satisfy regulatory requirements, or for other purposes permitted by law.

To exercise your privacy rights, please contact:

Privacy Officer
TrustBridge Capital™, LLC

Email: legal@trustbridgecap.com

TrustBridge Capital may request additional information to verify your identity before responding to a privacy request. We reserve the right to deny requests where permitted by applicable law, including where we are unable to verify the identity or authority of the requesting individual.

12. State, Federal, and International Privacy Laws

TrustBridge Capital is committed to complying with all applicable federal, state, and international privacy laws and regulations governing the collection, use, disclosure, retention, and protection of personal information.

Depending on your jurisdiction, additional privacy rights or disclosures may apply under laws including, but not limited to:

• California Consumer Privacy Act ("CCPA"), as amended by the California Privacy Rights Act ("CPRA") 
• General Data Protection Regulation ("GDPR") 
• Other applicable U.S. federal, state, or international privacy laws and regulations 

Where applicable law provides greater privacy protections or additional rights than those described in this Privacy Policy, TrustBridge Capital will comply with such legal requirements.

Nothing contained in this Privacy Policy shall be interpreted as creating rights, remedies, or obligations beyond those required by applicable law.

13. Children's Privacy

TrustBridge Capital's Website and Services are intended for use by individuals and business entities seeking commercial or business-purpose financing. Our products and services are not directed to, marketed to, or intended for individuals under the age of 18.

We do not knowingly collect personal information directly from children under the age of 13. If we become aware that personal information has been collected from a child in violation of applicable law, we will take commercially reasonable steps to delete such information.

If you believe a child has provided personal information to TrustBridge Capital, please contact us at legal@trustbridgecap.com.

 14. Changes to This Privacy Policy

TrustBridge Capital reserves the right to modify or update this Privacy Policy at any time to reflect changes in applicable law, regulatory requirements, industry standards, technology, security practices, business operations, or the products and services we offer.

When revisions are made, the Effective Date at the beginning of this Privacy Policy will be updated accordingly. Where required by applicable law, TrustBridge Capital will provide additional notice or obtain any required consent before material changes become effective.

Any modification to this Privacy Policy becomes effective upon posting unless otherwise required by applicable law. Your continued access to or use of our Website or Services following the effective date of any revised Privacy Policy constitutes your acknowledgment of the updated Privacy Policy.

Nothing in this section shall limit TrustBridge Capital's ability to implement changes immediately where necessary to comply with applicable law, protect the security or integrity of our systems, prevent fraud or unauthorized activity, respond to governmental or regulatory requirements, or protect the rights, property, or legal interests of TrustBridge Capital.

15. Contact Information

If you have any questions regarding this Privacy Policy, our privacy practices, or wish to exercise any rights available to you under applicable privacy laws, please contact TrustBridge Capital using the information below.

TrustBridge Capital™, LLC

307 West 38th Street
16th Floor, Suite 1013
New York, NY 10018

General Inquiries
866-980-3863

Privacy & Legal Requests
legal@trustbridgecap.com

Customer Care
customercare@trustbridgecap.com

Website
www.trustbridgecap.com

TrustBridge Capital will make commercially reasonable efforts to respond to inquiries and privacy-related requests within the timeframes required by applicable law.

 This Privacy Policy applies solely to the collection, use, disclosure, and protection of information by TrustBridge Capital™. It does not modify, supersede, amend, or replace the terms of any loan agreement, commitment, promissory note, mortgage, guaranty, servicing agreement, broker agreement, or any other written agreement executed between TrustBridge Capital and any customer, broker, investor, or third party. In the event of any conflict between this Privacy Policy and a separately executed written agreement, the terms of the applicable written agreement shall control to the extent permitted by law.