Do Not Call Policy

1. Introduction and Commitment

At Olgas Friends LLC, doing business as Blackburn Business Capital ("BBC," "we," "us," or "our"), we prioritize the privacy of our customers, prospective customers, and all consumers who interact with our business. We adhere to all applicable federal, state, and local laws governing telephone and electronic communications, including the Telephone Consumer Protection Act ("TCPA"), the Telemarketing Sales Rule ("TSR"), and applicable state laws.

This Do Not Call Policy outlines:

• How you can stop receiving telephone calls, text messages, prerecorded messages, faxes, and other communications from BBC and our authorized partners;
• How BBC maintains and honors its Internal Do Not Call List;
• The rules our personnel and partners follow when contacting consumers;
• Your rights under applicable telephone and consumer protection laws.

2. Scope of This Policy

This Policy applies to all communications initiated by BBC, our employees, agents, representatives, contractors, vendors, lender partners, funding partners, servicing partners, marketing partners, and any third parties acting on our behalf (collectively, "Authorized Callers"). It covers:

• Live telephone calls to landline, mobile, business, residential, and any other telephone numbers;
• Prerecorded and artificial voice messages, including AI-generated voice calls;
• Calls made using automatic telephone dialing systems (ATDS) or autodialers;
• SMS text messages and MMS multimedia messages;
• Ringless voicemails and voicemail drops;
• Facsimile transmissions;
• Email communications, where required by applicable law.

3. Legal Framework

This Policy is designed to comply with applicable telephone communication laws, including:

• Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227 and FCC implementing regulations including 47 C.F.R. § 64.1200;
• Telemarketing Sales Rule (TSR), 16 C.F.R. Part 310, administered by the Federal Trade Commission;
• National Do Not Call Registry, maintained by the Federal Trade Commission;
• CAN-SPAM Act, 15 U.S.C. § 7701 et seq.;
• State-specific telephone consumer protection laws, including but not limited to the Florida Telemarketing Act and the Florida Do Not Call Act;
• Wireless carrier rules and industry best practices, including CTIA Short Code Monitoring Handbook guidelines.

Under the TCPA, "telemarketing" is defined as "the initiation of a telephone call or message for the purpose of encouraging the purchase or rental of, or investment in, property, goods, or services." The law restricts cold calls and texts, prerecorded sales calls (including ringless voicemails), and the use of autodialers without varying levels of prior express consent.

4. How to Opt Out

4.1 National Do Not Call Registry

You may also register your residential or wireless telephone number on the National Do Not Call Registry maintained by the Federal Trade Commission:

• Online: donotcall.gov
• Phone: 1-888-382-1222 (TTY: 1-866-290-4236) — call from the number you wish to register

Registration on the National Do Not Call Registry restricts most telemarketing calls. However, registration does not automatically prevent calls from businesses with which you have an "established business relationship" or to which you have given prior express written consent. To stop calls from BBC specifically, use the opt-out methods above in addition to (or instead of) the National Registry.

4.2 State Do Not Call Lists

Some states maintain their own Do Not Call lists. Contact your state attorney general's office or consumer protection agency for information about state-level registrations.

5. BBC's Internal Do Not Call List

BBC maintains an Internal Do Not Call List in accordance with TCPA and TSR requirements. When you submit an opt-out request through any of the methods described above:

• Your name, telephone number(s), email address(es), and any other identifying information you provide will be added to BBC's Internal Do Not Call List within ten (10) business days (often sooner, typically within one business day);
• BBC will retain your opt-out information for a minimum of five (5) years, or longer as required by applicable law;
• BBC will not call, text, or otherwise contact you for telemarketing purposes after you are on the Internal Do Not Call List, except as permitted by law;
• BBC will instruct Authorized Callers to honor your opt-out across our network.

Note: Opting out of telemarketing communications does not prevent BBC from contacting you for non-telemarketing purposes related to an existing financing application or financing relationship (see Section 10 below).

6. BBC Calling and Texting Rules

BBC and our Authorized Callers follow strict rules when making telephone calls and sending text messages, including:

6.1 Calling Hours

• No telemarketing calls or texts before 8:00 a.m. or after 9:00 p.m. in the local time of the person being called;
• BBC observes more restrictive state-law calling hours where applicable, including any state laws restricting weekend or holiday calling.

6.2 Caller Identification

• BBC representatives identify themselves by name and identify Blackburn Business Capital as the calling company at the beginning of each call;
• BBC representatives provide a callback telephone number during the call, whether speaking live or leaving a voicemail;
• BBC does not engage in caller ID spoofing or misrepresent the origin of any call.

6.3 Express Written Consent

• BBC obtains prior express written consent before making telemarketing calls or sending telemarketing text messages using prerecorded messages, artificial voice, AI-generated voice, autodialers, or ATDS technology;
• This consent is obtained through BBC's application authorization, which includes specific TCPA consent language and dual SMS opt-in checkboxes;
• Consent disclosures clearly state that consent permits automated calls and text messages and that consent is not a condition of obtaining BBC's services.

6.4 Opt-Out Mechanism in Every Message

• Every marketing SMS message includes opt-out instructions (e.g., "Reply STOP to opt out");
• Every marketing email includes a functional unsubscribe link in compliance with the CAN-SPAM Act;
• Opt-out requests are processed promptly and confirmed.

7. Prohibited Practices

The following practices are strictly prohibited for BBC personnel and Authorized Callers, in accordance with the TCPA, TSR, and BBC internal policy:

• Calls or texts before 8:00 a.m. or after 9:00 p.m. (local time of recipient);
• Calls or texts to numbers on the Federal, State, or BBC's Internal Do Not Call List without prior express written consent (or other applicable exemption);
• Use of automatic telephone dialing systems (ATDS) to call cellular numbers without prior express written consent;
• Use of artificial or prerecorded voice messages to residential or cellular numbers without prior express written consent;
• Calls that fail to identify the caller by name and identify Blackburn Business Capital as the company;
• Caller ID spoofing or misrepresentation;
• Ringless voicemails delivered without prior express written consent (and only after the phone has rung for at least 15 seconds or 4 rings per TSR requirements where applicable);
• Calls or texts after the recipient has opted out;
• Use of TCPA non-compliant third-party vendors, lead generators, or telemarketing services.

8. Third-Party Vendors and Lender Partners

BBC works only with third-party vendors, lead generators, telemarketing service providers, and lender partners that are TCPA-compliant. Specifically:

• BBC requests and retains copies of written TCPA policies from third-party vendors and lender partners;
• BBC requires that all leads purchased or received from third parties include valid prior express written consent that names or otherwise covers BBC and our Authorized Callers;
• BBC requires lender partners and funding sources to acknowledge BBC's authorization framework and to honor opt-out requests received from consumers;
• BBC scrubs all telephone lists against the Federal Do Not Call Registry, BBC's Internal Do Not Call List, and applicable state Do Not Call lists before any telemarketing campaign;
• BBC remains ultimately responsible for TCPA compliance for each lead and customer contacted, regardless of the source.

9. Response Time

BBC processes opt-out requests promptly. Specifically:

• SMS STOP requests: Processed automatically and immediately by our SMS platform. You will receive one final confirmation message confirming your opt-out.
• Email unsubscribe requests: Processed within ten (10) business days, typically within one business day.
• Phone, email-to-legal@, and mail requests: Processed within ten (10) business days of receipt.
• Verbal requests during calls: Logged immediately and processed within ten (10) business days.

Once added to BBC's Internal Do Not Call List, opt-outs remain in effect indefinitely unless and until you provide subsequent affirmative consent to resume communications.

10. Effect on Existing Financing

Opting out of telemarketing and promotional communications does not affect BBC's ability to contact you for non-telemarketing purposes related to:

• An active financing application currently being processed;
• An existing financing relationship, including servicing, payment reminders, collection, and account notifications;
• Required legal, regulatory, or compliance disclosures;
• Operational and verification matters necessary for the conduct of business.

If you wish to opt out of all communications (including transactional and servicing communications), please indicate this explicitly in your opt-out request. Note that opting out of transactional communications may limit BBC's ability to provide services to you and may affect any existing financing arrangements.

11. Request a Copy of This Policy

To request a copy of this Do Not Call Policy, contact:

• Email: legal@bbizcap.com
• Phone: (954) 280-3922
• Mail: Blackburn Business Capital, Attn: Legal Department, 1520 E Sunrise Blvd, Fort Lauderdale, FL 33304

It is BBC's policy to provide a copy of this Policy upon demand. The current version is also available at bbizcap.com/do-not-call.

12. Violations and Enforcement

12.1 Internal Enforcement

BBC personnel and Authorized Callers are required to comply with this Policy and all applicable telephone communication laws. Violations may result in disciplinary action up to and including termination of employment or contractor relationships, and potential civil and criminal liability.

12.2 Reporting Violations

If you believe BBC or an Authorized Caller has violated this Policy or applicable law, please contact us at legal@bbizcap.com. BBC will investigate complaints promptly and take corrective action where warranted.

12.3 Filing Complaints

You may also file complaints with regulatory authorities, including:

• Federal Communications Commission (FCC): consumercomplaints.fcc.gov or 1-888-225-5322
• Federal Trade Commission (FTC): reportfraud.ftc.gov or 1-877-FTC-HELP
• Florida Attorney General — Consumer Protection: myfloridalegal.com or 1-866-9-NO-SCAM
• Your state attorney general's consumer protection division.

12.4 Private Right of Action

The TCPA provides a private right of action for consumers who receive telemarketing communications in violation of the law. Statutory damages can range from $500 to $1,500 per violation. BBC's commitment to TCPA compliance is designed to ensure no such violations occur.

13. Contact Us

For Do Not Call requests, questions about this Policy, or any related concerns: