E-Sign consent

This Electronic Signatures and Records Disclosure ("E-Sign Consent") is provided under the federal Electronic Signatures in Global and National Commerce Act ("E-Sign Act") by Money Loan Capital, LLC ("Money Loan Capital," "we," "our," or "us"). It explains your rights when you agree to receive information and enter into agreements electronically.

1. What you are consenting to

By consenting, you agree that we may provide any of the following in electronic form:

• Federal and state disclosures required in connection with your loan or application (including Truth in Lending Act disclosures, the Equal Credit Opportunity Act adverse action notices, and state-specific disclosures);
• Your loan agreement, including your promissory note and ACH authorization;
• Billing statements, payment reminders, and payoff quotes;
• Privacy notices required by the Gramm-Leach-Bliley Act;
• Notices regarding changes to your account or these electronic records;
• All other information we are required by law to provide you in writing.

You also agree that your electronic signature on a loan agreement or other document has the same legal effect as a handwritten signature on paper.

2. Your right to paper copies

You may request a paper copy of any disclosure or agreement at no charge by emailing support@mlc-advance.com or writing to us at the address below. Requesting paper copies does not automatically withdraw your E-Sign Consent.

3. Withdrawing consent

You may withdraw your E-Sign Consent at any time by emailing support@mlc-advance.com with the subject line "Withdraw E-Sign Consent," or by writing to us at the address below. Withdrawal does not apply to communications already sent electronically and may result in:

• Termination of your ability to apply for or manage a loan online;
• Closure of your online account;
• Additional fees for paper delivery to the extent permitted by applicable law.

4. Keeping your contact information current

You agree to keep your email address and phone number current with us. You can update them by logging in to your account or by contacting support. If an email is returned as undeliverable, we may suspend electronic delivery and reach you by alternative means.

5. Hardware and software requirements

To access and retain electronic records, you will need:

• A personal computer, tablet, or smartphone with internet access;
• A current version of a supported web browser (Chrome, Safari, Edge, or Firefox) with TLS 1.2 or higher enabled;
• A valid email address;
• Software capable of viewing and saving PDF files (for example, Adobe Acrobat Reader);
• Sufficient storage or the ability to print records you wish to keep.

By providing your E-Sign Consent, you confirm that you meet these requirements and can receive, open, and retain electronic records in these formats. We will notify you if we change the hardware or software requirements in a way that creates a material risk that you would not be able to access or retain records.

6. How you provide your consent

You provide your E-Sign Consent by checking the box acknowledging this disclosure during the application process or by clicking "I agree" on any screen that references this disclosure. Your consent applies to all future interactions with Money Loan Capital unless you withdraw it as described above.

7. Contact

Questions about this disclosure can be directed to legal@mlc-advance.com or mailed to Money Loan Capital, LLC, Attn: E-Sign Administration, 10 Hill St, Newark, NJ 07102.