Authorization & Engagement Agreement

Borrower

[Your Name]  (“Borrower,” “I,” “me,” “my”)

Property Address

[Property Address]

Lender / Servicer

To be identified by PMI Ninja and any successor servicer

Loan / Account #

To be identified by PMI Ninja

This Authorization applies to the mortgage loan secured by the Property identified above, regardless of which lender, noteholder, servicer, sub-servicer, or master servicer holds, owns, services, or sub-services that loan from time to time, as identified during PMI Ninja's review.

Agent: Hint Holdings LLC, a limited liability company doing business as “PMI Ninja” (“Agent,” “PMI Ninja”), together with its officers, employees, attorneys, contractors, vendors, and other duly authorized representatives — including automated systems and artificial-intelligence agents acting under PMI Ninja's direction and supervision — acting on its behalf (collectively, “Authorized Representatives”).

I, the undersigned Borrower, hereby designate, appoint, and authorize PMI Ninja and its Authorized Representatives as my authorized third-party representative and “designated representative” under each Servicer's privacy and consumer-authorization procedures, with full power and authority to act for me and in my name, place, and stead with respect to the matters set forth in Sections 3 and 4 below, in connection with the mortgage loan identified above (the “Loan”) and any private mortgage insurance (“PMI”).

To the extent permitted by applicable state law without further execution formality (such as notarization or witnessing) that is not satisfied by this instrument, this Authorization shall also constitute a limited power of attorney for the purposes stated herein; in any state requiring additional execution formality for a power of attorney to be effective, this Authorization shall operate solely as a written third-party authorization and designation of authorized representative.

I authorize and direct each Servicer, lender, noteholder, mortgage insurer, mortgage-insurance master policyholder, settlement agent, title insurer, hazard insurer, escrow holder, tax-service vendor, AVM provider, appraiser, BPO vendor, and any of their affiliates or service providers (each, an “Information Party”) to disclose to PMI Ninja and its Authorized Representatives any and all information relating to the Loan, the Property, or me, as fully and freely as such Information Party would disclose such information directly to me.

This consent constitutes:

1. (a)my affirmative written consent and instruction to disclose nonpublic personal information to PMI Ninja, a non-affiliated third party, in connection with a transaction I have requested and authorized, as contemplated by the Gramm-Leach-Bliley Act, 15 U.S.C. §§ 6801–6809 (including § 6802(e)) and Regulation P (12 C.F.R. Part 1016), together with any applicable state financial-privacy act;
2. (b)my written instructions for purposes of any disclosure of account information or consumer-report information by an Information Party to PMI Ninja under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.;
3. (c)designation under the Real Estate Settlement Procedures Act, 12 U.S.C. § 2601 et seq. and Regulation X (12 C.F.R. §§ 1024.35–1024.36); and
4. (d)designation under the Homeowners Protection Act of 1998, 12 U.S.C. §§ 4901–4910 (“HPA”), including § 4902(a)/(b)/(c).

I authorize PMI Ninja and its Authorized Representatives to take any and all of the following actions on my behalf:

1. (a)Contact, communicate with, and negotiate with any Information Party — whether by PMI Ninja's personnel or by automated or AI systems acting under its supervision — regarding the Loan, the Property, PMI, and related matters;
2. (b)Submit cancellation requests under HPA § 4902(a), the Loan documents, the mortgage-insurance certificate, and applicable investor and Servicer guidelines;
3. (c)Submit requests for automatic termination, final termination, and any other statutory or contractual termination of PMI;
4. (d)Order, schedule, pay for, deliver, and submit BPOs, appraisals, AVMs, or similar property-valuation products;
5. (e)Request, receive, review, and respond to payoff statements, escrow analyses, PMI disclosures, HPA notifications, and other Loan documents;
6. (f)Submit qualified written requests, requests for information, and notices of error under RESPA / Reg X;
7. (g)Execute servicer-specific cancellation, BPO/appraisal-order, value-dispute, and similar ancillary forms required to process a PMI cancellation, subject to the limitations in Section 6. PMI Ninja will notsign any certification or attestation of present fact required to be made by the Borrower personally — including any “no subordinate lien” or “no second lien” certification under 12 U.S.C. § 4902(a)(2)(B), any occupancy certification, or any hardship attestation — and will instead route any such form back to me for my personal signature;
8. (h)Receive on my behalf, and acknowledge receipt of, notices and correspondence relating to these matters (delivery to PMI Ninja constitutes delivery to me); provided that, where applicable law (such as the HPA's annual PMI disclosure or RESPA's escrow-account and periodic statements) requires direct delivery to the Borrower, the Information Party may continue to deliver the notice directly to me and send a courtesy copy to PMI Ninja; and
9. (i)Take any other action reasonably necessary or incidental to the cancellation, termination, or removal of PMI from the Loan.

I ratify and confirm all lawful acts that PMI Ninja and its Authorized Representatives take pursuant to this Authorization.

Each Information Party is authorized to rely on this Authorization, on any photocopy, scan, or electronic counterpart, and on the instructions of PMI Ninja, without further inquiry. No Information Party shall incur any liability to me for disclosing information or taking action in good-faith reliance on this Authorization, and I, on behalf of myself and my heirs, executors, administrators, personal representatives, successors, and assigns, release and hold harmless each Information Party to the maximum extent permitted by applicable law.

This Authorization does NOT permit PMI Ninja to:

1. (a)receive, hold, or disburse any funds belonging to me, other than vendor fees that PMI Ninja incurs and re-bills as authorized;
2. (b)execute on my behalf any deed, note, mortgage, deed of trust, loan modification, assumption agreement, subordination agreement, or instrument of conveyance;
3. (c)sell, refinance, or encumber the Property;
4. (d)waive any of my substantive rights under the HPA, RESPA, TILA, ECOA, FCRA, GLBA, or any other consumer-protection statute; or
5. (e)bind me to any settlement of a disputed claim against a Servicer without my separate written consent.

This Authorization is effective on the Effective Date and remains in effect until the earliest of: (i) PMI is fully and finally cancelled and the Servicer confirms it in writing; (ii) two (2) years from the Effective Date; or (iii) the date I deliver written notice of revocation. Revocation shall not affect any action taken in good-faith reliance on this Authorization prior to the Information Party's actual receipt of written notice of revocation.

I agree this Authorization may be signed electronically. I consent under the federal Electronic Signatures in Global and National Commerce Act, 15 U.S.C. §§ 7001 et seq., and any applicable state Uniform Electronic Transactions Act.

Governed by the laws of the State in which the Property is located, except that (i) the federal statutes referenced herein govern within their scope, and (ii) nothing in this Authorization waives any non-waivable consumer-protection right I have under the laws of my state of residence. If any provision is invalid or unenforceable, the remainder remains in effect.

I acknowledge that I have read this Authorization in its entirety, that I understand its contents, that I have been advised that I may seek the advice of independent counsel before signing, and that I am signing voluntarily. I represent that I am a borrower of record on the Loan, that I am at least 18 years of age, and that I have full legal capacity to execute this Authorization on my own behalf.

If the Loan has one or more additional borrowers (each, a “Co-Borrower”), this Authorization is effective only as to my own information and acts. PMI Ninja will obtain a separate written authorization from each Co-Borrower before requesting disclosure of that Co-Borrower's nonpublic personal information from any Information Party.

Borrower

[Your Name]

Property Address

[Property Address]

Company

Hint Holdings LLC d/b/a PMI Ninja

I engage PMI Ninja to (a) assess PMI-cancellation eligibility; (b) prepare and submit cancellation requests; (c) order and pay for valuation products (BPOs, appraisals, AVMs); (d) correspond with the Servicer, mortgage insurer, and other parties; and (e) perform reasonably related services (the “Services”). PMI Ninja may suspend or terminate Services upon written notice if I fail to comply, fail to cooperate, or provide inaccurate information.

PMI Ninja is not a lender, mortgage broker, mortgage servicer, real estate broker, appraiser, financial advisor, tax advisor, accountant, insurance agent, or attorney, and is not providing legal, tax, accounting, investment, or insurance advice.

Certain certifications of fact required for a PMI cancellation (for example, a “no subordinate lien” or occupancy certification) must be signed by me personally; as provided in the Servicer Authorization, PMI Ninja will route any such certification back to me rather than sign it on my behalf.

3.1 Service Fee. A service fee equal to my current monthly PMI premium at the date PMI is cancelled, billed in twelve (12) consecutive monthly installments beginning the first full calendar month after PMI cancellation is confirmed by the Servicer. (Example: $250/mo PMI → $250/mo × 12 = $3,000 total.) Exclusive of taxes, third-party vendor pass-through fees, and payment-processor surcharges.

3.2 No Charge Unless PMI Is Cancelled. No Service Fee is owed and no charges will be initiated unless and until PMI is cancelled, except for vendor pass-through charges I authorized in writing and amounts owed under §§ 4, 5, and 6.

3.3 Stored Payment Method; Continuing Authority. I authorize PMI Ninja and its payment processor (currently Stripe, Inc.) to store one or more payment instruments (credit/debit cards, prepaid cards, ACH) and to charge each installment and any other amount owed under this Agreement to any Payment Method on file when due, without further authorization. This is a continuing authorization that remains in effect until all amounts are paid in full or I revoke it in writing to support@pmininja.com; revocation does not affect charges already initiated and does not relieve me of the obligation to pay by other means. I authorize re-attempts, account-updater services, and charges to any other Payment Method on file. I will keep at least one valid Payment Method on file at all times.

3.4 No Chargebacks; Dispute Process. Before initiating any chargeback or payment dispute, I will first contact support@pmininja.com and allow at least 15 calendar days to investigate. Initiating a chargeback without this process is a material breach.

3.5 Earned Fees; Refunds.Because the Service Fee is charged only after PMI is cancelled (§ 3.2), each installment is earned when it is charged. Paid installments are non-refundable, except that PMI Ninja will refund any duplicate charge, any charge made in error, any charge initiated after PMI Ninja's receipt of my revocation of the payment authorization, and any amount required to be refunded by law.

4.1 Non-Circumvention. I will not attempt to avoid the Service Fee by terminating this Agreement, instructing the Servicer to disregard PMI Ninja, resubmitting our work product in my own name, or refinancing/restructuring the Loan with the principal purpose of avoiding the fee.

4.2 Procuring-Cause Fee. PMI Ninja earns the Service Fee when PMI is cancelled and PMI Ninja's work was a substantial contributing cause of that result — including any borrower-requested cancellation granted while this Agreement is in effect, or within the 12-month Tail Period after I terminate or revoke, where PMI Ninja had already submitted a request, ordered or paid for a valuation, or escalated to the Servicer before I terminated. In that case the full Service Fee is owed even if the final request was submitted by me or by another party using work product PMI Ninja prepared, ordered, or paid for.

No fee is owedwhere PMI is removed by (a) automatic termination under HPA § 4902(b) or final termination under § 4902(c) on the Loan's normal amortization schedule, without a borrower-requested cancellation PMI Ninja initiated or substantially advanced; or (b) a bona fide refinance, sale, or payoff I did not undertake principally to avoid the fee. PMI Ninja bears the burden of showing its work was a substantial contributing cause before charging a Procuring-Cause Fee.

4.3 The § 3.3 payment authorization extends to the Procuring-Cause Fee and amounts owed under §§ 5 and 6.

5.1 Default: failed charge not cured in 5 business days; revocation of § 3.3 without paying in full by other means; improper chargeback; or any other failure to pay when due.

5.2 Late Fees: greater of $25 or 5% of any installment more than 10 days past due, to the maximum extent permitted by law.

5.3 Interest: 1.5% per month (18% per annum) on past-due amounts, or the maximum rate permitted by law.

5.4 Acceleration:upon any uncured default after 15 days' notice, all remaining installments and other amounts may be declared immediately due and payable.

I will pay, on demand, all reasonable costs of collecting any amount owed under this Agreement, including:

1. (a)collection-agency fees and any contingent percentage charged by the agency (which may be passed through to me without reduction of the principal balance owed);
2. (b)reasonable attorneys' fees and disbursements (trial, appellate, bankruptcy, mediation, arbitration);
3. (c)court filing fees, process-server fees, deposition costs, expert witness fees, and other costs of suit;
4. (d)arbitration filing fees, arbitrator fees, and arbitration-related administrative costs;
5. (e)credit-reporting fees, skip-tracing fees, and the cost of obtaining and recording any judgment, lien, or abstract; and
6. (f)all post-judgment collection costs.

PMI Ninja may, in its sole discretion, report any unpaid amount to one or more consumer-reporting agencies and refer any unpaid amount to a third-party collection agency or to counsel for collection or suit.

To the maximum extent permitted by law, I will indemnify, defend, and hold harmlessPMI Ninja and its Authorized Representatives from claims, damages, losses, judgments, settlements, fines, penalties, costs, and expenses (including reasonable attorneys' fees) arising from:

1. (a)any breach by me of this Agreement or the Servicer Authorization;
2. (b)inaccurate, incomplete, or misleading information I provide (or that PMI Ninja submits in reliance on my information);
3. (c)my failure to be the borrower of record, to have full legal capacity, or to be authorized to grant the authorities granted in the Servicer Authorization;
4. (d)my acts or omissions, or those of any third party acting on my behalf;
5. (e)claims brought by a Servicer, mortgage insurer, co-borrower, spouse, heir, successor, or other third party; and
6. (f)any chargeback or claim that a charge to my Payment Method was unauthorized.

The Services are provided “as is” and “as available.” PMI Ninja disclaims all warranties, express or implied, and does not guarantee that PMI will be cancelled or that any particular valuation, eligibility determination, or Servicer response will be obtained. Outcomes depend on factors beyond PMI Ninja's control.

In no event will PMI Ninja be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost savings, lost data, or failure-to-cancel-PMI damages.

Total cumulative liability is capped at the greater of (a) the Service Fees actually paid in the 12 months preceding the claim, or (b) $100.00.

Please read carefully. This Section affects rights I would otherwise have, and requires individual arbitration of disputes rather than jury trials or class actions.

10.1 Disputes resolved exclusively by final, binding, individual arbitration, not in court (except small-claims court).

10.2 FAA. Governed by the Federal Arbitration Act, 9 U.S.C. §§ 1–16.

10.3 Procedures. Administered by the AAA under its Consumer Arbitration Rules, by a single neutral arbitrator, in the county where the Property is located (or by remote means at my election).

10.4 I and PMI Ninja each waive the right to a trial by jury and the right to participate in a class action, class arbitration, collective action, private attorney-general action, or any other representative action.

10.5 Excluded Disputes:any action in small-claims court by either party — including any action by PMI Ninja to collect amounts owed, which PMI Ninja will bring in the small-claims court for the county where the Property is located (or, at my election, my county of residence), unless the amount exceeds that court's limit, in which case it may be brought in another court of competent jurisdiction; and claims that cannot be subject to pre-dispute arbitration under applicable law.

10.6 Opt-Out. I may opt out by writing to support@pmininja.com within 30 days after the Effective Date.

PMI Ninja may assign, delegate, transfer, or subcontract any of its rights or obligations under this Agreement, in whole or in part, without my consent, including to any assignee of receivables (which may exercise PMI Ninja's rights, including the § 3.3 payment authorization and § 6 collection rights). I may not assign without PMI Ninja's prior written consent.

12.1 Notices to PMI Ninja: in writing to support@pmininja.com.

12.2 Notices to me: by email to the address on file, posted in my account dashboard, or by U.S. mail.

12.3 Consent to Electronic Communications and Calls. I expressly consent to receive communications from PMI Ninja and its Authorized Representatives (including collection agents and attorneys) by email, SMS/MMS, telephone call (including pre-recorded, artificial-voice, and auto-dialed calls and texts), and other electronic means, at any email or telephone number I have provided, for any purpose related to this Agreement, the Services, the Loan, account servicing, billing, collections, or transactional notices.

Effective on the Effective Date; remains in effect until the latest of: (i) PMI is fully cancelled and the Servicer confirms in writing; (ii) all amounts owed are paid in full; (iii) the Tail Period under § 4.2 expires; or (iv) all rights and obligations under §§ 4, 5, 6, 7, 8, 9, 10, and 11 are fully discharged.

Revocation of the Servicer Authorization does not (and cannot) terminate, modify, or limit my obligations under this Agreement — including the Service Fee, Procuring-Cause Fee, late fees, interest, indemnification, and collection costs.

I consent under the federal Electronic Signatures in Global and National Commerce Act, 15 U.S.C. §§ 7001 et seq., and any applicable state Uniform Electronic Transactions Act, to the use of an electronic record for this Agreement, the § 3.3 payment authorization, and any related disclosures (including billing disclosures, change-of-terms notices, and dispute notices); and to the use of an electronic signature.

Governing law: the laws of the State of Tennessee(Hint Holdings LLC's state of formation), except that § 10 is governed by the Federal Arbitration Act.

Survival: §§ 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 15, and 16 survive any termination.

Entire agreement:together with PMI Ninja's Terms of Service and Privacy Policy. In any conflict, this Agreement controls.

I acknowledge I have read this Agreement in its entirety, that I understand its contents, and that I am signing voluntarily. I specifically acknowledge I have read and understand § 3 (Fees), § 4 (Procuring-Cause Fee), § 6 (Collection Costs), § 7 (Indemnification), § 8 (Disclaimer), § 9 (Limitation of Liability), and § 10 (Arbitration; Class Waiver; Jury Waiver), and that I am agreeing to each of them. I represent that I am at least 18 years of age, that I have full legal capacity, and that the information I have provided is true, accurate, and complete in all material respects.