Consent to Electronic Records and Signatures

Last updated: September 11, 2026

This consent is provided under the federal Electronic Signatures in Global and National Commerce Act (the "E-SIGN Act"). Please read it carefully and keep a copy for your records. By checking the box on our form and submitting your request, you agree to the terms below with [Company legal name — to be added] ("LoanPathway," "we," "us"), our lead-distribution partner, and the lenders and lead buyers that receive your request.

1. Scope of Your Consent

You agree that we, our partners and lenders may provide to you electronically, and that you may sign electronically, any documents, notices, disclosures and records related to your loan request (together, "Records"). Records may include:

• Our Terms of Use, Privacy Policy and other policies;
• Your Credit Authorization and contact consent;
• Notices about your request, including any adverse action notices a lender may be required to send; and
• Any other disclosures a lender or partner is required by law to give you in connection with your request.

This consent applies to your current request and to related communications. Individual lenders may ask for a separate electronic consent before you sign a loan agreement with them.

2. Electronic Signatures

You agree that clicking a button, checking a box, or typing your name on our form is your electronic signature, and that it has the same legal effect as a handwritten signature.

3. How Records Will Be Delivered

Records may be provided by displaying them on the Site, by email to the address you provide, or by a link to a website where you can view them. It is your responsibility to check your email, including spam or junk folders.

4. Your Right to Paper Copies

You may request a paper copy of any Record we provided to you electronically by emailing [email protected] or writing to [Company legal name — to be added], [Street address, City, State ZIP — to be added]. Please include your name, mailing address, and the email address and phone number you used on the Site. We will provide paper copies free of charge. Records provided by a lender must be requested from that lender.

5. How to Withdraw Your Consent

You may withdraw your consent to receive Records electronically at any time by emailing [email protected] with the subject "Withdraw E-Consent," or by writing to us at the address above. Withdrawal is free, and it takes effect after we have had a reasonable time to process it. Withdrawal does not affect the legal validity of Records provided or signatures made before it takes effect. Because our Service is provided online, if you withdraw consent before submitting a request, you may not be able to use the Service. To withdraw consent given to a lender, contact that lender directly.

6. Hardware and Software Requirements

To access and keep Records electronically, you need:

• A computer, tablet or smartphone with an internet connection;
• A current version of a common web browser (such as Chrome, Safari, Firefox or Edge) with cookies and browser storage enabled;
• A valid email address and software to read email;
• Software capable of opening PDF files (such as a built-in PDF viewer or Adobe Acrobat Reader); and
• A printer or enough storage space if you wish to print or save Records.

By giving your consent, you confirm that you have access to these items and are able to view this page, which shows that you can access Records electronically. If our requirements change in a way that could prevent you from accessing Records, we will notify you.

7. Updating Your Contact Information

Please keep your email address and other contact information current. To update the information you gave us, email [email protected] or call [(000) 000-0000 — to be added]. To update the information held by a lender, contact that lender directly.

8. Contact Us

• [Company legal name — to be added]
• [Street address, City, State ZIP — to be added]
• Phone: [(000) 000-0000 — to be added]
• Email: [email protected]