Contract analysis

Article I — Name The name of the limited liability company formed hereby is: SkyLend Funding LLC (hereinafter, the "Company").

Article II — Registered Office and Registered Agent The address of the registered office of the Company in the State of Delaware is: 1400 Market Street, Suite 1210 Wilmington, Delaware 19801 County of New Castle The name and address of the registered agent of the Company for service of process at such address is: Cascade Systems 160 Greentree Drive, Suite 101 Dover, Delaware 19904 The registered agent is located in t

Article III — Authorized Person The name and address of the authorized person executing this Certificate of Formation are as follows: Name: Danielle Prescott Title: Chief Financial Officer of Skybridge Fintech Ltd., the sole member of the Company Address: 1400 Market Street, Suite 1210, Wilmington, Delaware 19801

Article IV — Effective Date This Certificate of Formation shall be effective upon its filing with the Secretary of State of the State of Delaware.

Article V — Purpose The Company is formed for the limited purpose of: (a) acquiring, holding, financing, and disposing of consumer receivables and related assets; (b) issuing, or causing the issuance of, securities or other obligations in connection with the securitization of such receivables; and (c) engaging in any and all activities incidental or related to the foregoing. The Company shall not engage in any busine

Article VI — Sole Member The sole member of the Company is Skybridge Fintech Ltd., a Delaware corporation, with its principal office located at 1400 Market Street, Suite 1210, Wilmington, Delaware 19801 (EIN: 84-3291076). The Company is organized as a single-member limited liability company. [EXECUTION PAGE FOLLOWS] IN WITNESS WHEREOF, the undersigned has executed this Certificate of Formation as of January 30, 2024.