INTRODUCTION. You are submitting an online credit application and by doing so, you are consenting to conduct transactions electronically with our company. This may include, without limitation, use of electronic signatures, electronic recordkeeping and transmittal, electronic communication (including email), and electronic delivery of documents, disclosures and other information.

ELECTRONIC COMMUNICATIONS. At any time, you may request an electronic copy of any disclosure or document that we generally make available to consumers and customers by e-mailing: online@lendingbear.com. We will retain records and information as required by law and will provide you a copy of any such document at no charge.

SCOPE OF CONSENT. This consent applies to this transaction and any related transactions, including any amendment, modification, consolidation, refinancing or extension of the original transaction.

ACKNOWLEDGMENTS REGARDING CONSENT. By submitting your online credit application, you acknowledge and agree that (i) you have received this Consent and you have agreed to the terms hereof, (ii) to the extent there is any inconsistency between the terms of this Consent and any loan contract entered into by you, the terms of the loan contract shall control, (iii) you are the sole user of any e-mail address provided to us in connection with your online credit application and you will not allow any other person to access any electronic communication from us, (iv) you have the required hardware and software capabilities described below, (v) we are not responsible for any fees or charges incurred by you resulting from your use of electronic communications, including any fees or charges from your mobile telephone provider or internet service provider, (vi) to the fullest extent permitted by law, our failure to send or your failure to receive any electronic communication shall in no way relieve you from the obligations and duties of any credit extended by us to you, and (vii) at all times, we reserve the right to take all actions permitted by law and this Consent is not intended to limit any such rights.

HARDWARE AND SOFTWARE REQUIREMENTS. To access and retain the documents electronically, you will need to use the following computer software and hardware: A PC, Mac, Android or iOS device with the latest version of Google Chrome, Mozilla Firefox, Apple Safari, Internet Explorer or Microsoft Edge. To read some documents, you will need a PDF file reader like Adobe Acrobat Reader.

WITHDRAWING CONSENT. At any time before we extend credit to you, you may withdraw your consent to the terms and conditions hereof at no charge to you. If you withdraw your consent prior to obtaining credit, your online credit application will be deemed immediately withdrawn. To withdraw your consent, you must e-mail us at: online@lendingbear.com. Notwithstanding the foregoing, your withdrawal of your consent will not affect the legal effectiveness, validity, or enforceability of any loan contract that you have submitted or any documents that you received electronically prior to such withdrawal.

CHANGE TO YOUR CONTACT INFORMATION. You must keep us informed of any change in your e-mail address and your ordinary mail address. To update your address information, either call us at 1-855-285- 5700 or e-mail us at online@lendingbear.com. We are not responsible for your failure to update your information with us.

AUTHORIZATION, AGREEMENT, AND REPRESENTATIONS. By clicking the “APPLY NOW” button, you consent to conduct transactions electronically with our company, including use of electronic signatures, electronic recordkeeping and transmittal, electronic communication, electronic delivery of documents, disclosures and other information, and all the other terms and conditions of this consent. If you do not give your consent or if you do not agree to the terms and conditions described in this consent, then do not click the “APPLY NOW” button.