1) Who We Are

Ozriel Capital acquires and services existing contract-backed consumer receivables. This website is provided for general
informational purposes and to facilitate portfolio and servicing inquiries.

2) No Legal, Tax, or Financial Advice

Content on this website is for general informational purposes only and does not constitute legal, tax, accounting, or
financial advice. You should consult qualified professionals regarding your specific situation.

3) Permitted Use

• You may use this website for lawful purposes and in accordance with these Terms.
• You agree not to misuse the website or attempt to access areas or systems you are not authorized to access.
• You agree not to interfere with the website’s operation, security, or availability.

4) Portfolio and Consumer Communications

If you submit information through our forms, email, or phone, you represent that the information is accurate to the best of
your knowledge and that you have the authority to provide it. Do not send sensitive personal information (such as Social
Security numbers, full account numbers, or banking credentials) through website forms unless we specifically request it
through a secure channel.

5) Intellectual Property

This website and its contents (including text, design, graphics, logos, and layout) are owned by or licensed to Ozriel and
are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works
from our content without prior written permission, except for personal, non-commercial viewing.

6) Third-Party Links

This website may include links to third-party websites or services. Ozriel does not control those third parties and is not
responsible for their content, policies, or practices. Accessing third-party links is at your own risk.

7) Disclaimers

This website is provided on an “AS IS” and “AS AVAILABLE” basis. We make no warranties, express or implied, regarding the
website’s availability, accuracy, completeness, reliability, or fitness for a particular purpose.

8) Limitation of Liability

To the fullest extent permitted by law, Ozriel and its owners, employees, agents, and service providers will not be liable
for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of (or
inability to use) this website, even if we have been advised of the possibility of such damages.

9) Indemnification

You agree to defend, indemnify, and hold harmless Ozriel and its affiliates, owners, employees, and agents from and against
claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to your
use of the website or violation of these Terms.

10) Changes to the Website and Terms

We may update, suspend, or discontinue any part of the website at any time. We may also revise these Terms from time to time.
The “Last Updated” date above reflects the most recent revision. Your continued use of the website after changes become
effective constitutes acceptance of the updated Terms.

11) Governing Law

These Terms are governed by the laws of the State of Ohio, without regard to conflict-of-law principles, except where
applicable law requires otherwise.

12) Contact Us

If you have questions about these Terms, contact us:

• Email: info@ozrielcapital.com
• Phone: (800) 228-6401
• Mail: 111 West Port Plaza Drive Suite 600, St. Louis, MO 63146