E-Consent Policy

Please read this document carefully and retain a copy for your records.

Introduction

When you submit a loan request through MyUSA Loan, the third-party lenders and lending partners in our network require your consent to use electronic signatures, electronic records, and electronic disclosures (collectively referred to as "E-Consent"). This document explains your rights and what you are agreeing to when you proceed with an application.

By clicking to agree to our terms, you acknowledge that you have received and read this E-Consent, and that you agree to conduct transactions using electronic means — including electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Scope of Consent

This E-Consent applies to all online interactions between you and any third-party lender or lending partner you are connected with through MyUSA Loan — including interactions conducted on mobile devices such as smartphones and tablets.

By agreeing, the third-party lender or lending partner may handle all aspects of your loan transaction electronically. This includes sending all required notices, agreements, and disclosures via electronic means, either on our website, the lender's website, or by email.

Your Right to Paper Records

You have the right to request any Disclosures in paper form at any time. To do so, contact the third-party lender or lending partner directly after being connected. Paper copies will be provided at no cost to you. Lenders are required by applicable law to retain all Disclosures for the legally mandated period.

Hardware & Software Requirements

To access and retain electronic Disclosures, you will need:

• A computer, tablet, or smartphone capable of accessing the internet
• An active, functioning email address
• An internet browser supporting at least 128-bit encryption (e.g., Chrome, Firefox, Safari, Edge)
• A PDF reader such as Adobe Acrobat Reader to view certain documents
• A printer or storage device (such as a computer hard drive) to save copies of Disclosures for future reference

If you have any questions about these requirements, contact the lender or lending partner directly.

Withdrawing Consent

Your E-Consent for the purpose of submitting your initial loan request through MyUSA Loan cannot be withdrawn, as it is a one-time transaction. However, once connected with a lender or lending partner, you may withdraw your E-Consent at any time, free of charge, by contacting them directly.

Please be aware that withdrawing E-Consent before receiving credit may prevent you from completing a loan transaction with that lender. Withdrawing E-Consent does not affect the legal validity of any prior electronic Disclosures or agreements that have already been executed.

Updating Your Contact Information

It is your responsibility to keep your email address and mailing address current with any lender or lending partner you are working with. You may update your contact information by logging into the lender's website or by sending them a written notice by mail. Keeping your contact information up to date ensures you continue to receive all required notices and Disclosures.

Your Agreement

By proceeding with a loan application through MyUSA Loan, you confirm that:

• You have read and understand this E-Consent document
• You agree to use electronic signatures for loan-related documents
• You consent to receive all required Disclosures electronically
• You acknowledge that you may request paper copies of any electronic records at no charge
• You understand that declining to consent to electronic transactions may prevent you from receiving services from third-party lenders or lending partners online