Consent to Electronic Records and Signatures

Last Updated: January 1, 2026

PLEASE READ THIS CONSENT CAREFULLY AND PRINT OR SAVE A COPY FOR FUTURE REFERENCE TO VERIFY THAT YOU CAN RETAIN THIS TYPE OF ELECTRONIC RECORD.

This Consent to Electronic Records and Signatures (the "E-Sign Consent") is a legally binding agreement between matterloan.com, its affiliates, marketing partners, and service providers ("we," "us," or "our") and you ("you," "your") regarding your use of services offered, operated, or made available through our website, including our lead generation and loan matching services (collectively, the "Services").

The Services may be delivered, administered, or accessed electronically through the Internet, email, text messaging, and software applications, including mobile or handheld devices. In connection with the Services, we may provide certain records electronically and obtain your electronic signature. If you do not agree to this E-Sign Consent or withdraw your consent, you may not be eligible to use our Services.

Records to Be Provided in Electronic Form

The "Records" covered by this E-Sign Consent include, but are not limited to, documents, communications, contracts, statements, notices, authorizations, and disclosures, such as privacy policies, terms and conditions, credit authorizations, loan agreements, payment schedules, billing statements, and adverse action notices.

These Records may relate to your use or attempted use of the Services, including loans you may apply for or receive through lenders in our network, as well as loan servicing and collection activities. We reserve the right to determine which Records are delivered electronically and when an electronic signature is required.

All Records provided electronically or in paper form are considered "in writing." You acknowledge that this consent relates to a transaction affecting interstate commerce and is governed by the Electronic Signatures in Global and National Commerce Act ("E-SIGN Act").

Scope of Your Consent

By agreeing to this E-Sign Consent, you confirm that you have reviewed it and are able to print or save a copy for your records. You expressly consent to receive, view, and electronically sign Records presented on our website, through a web browser, or via software applications, including mobile applications.

Electronic Records sent to your designated email address may appear within the email body, as attachments, or through links included in the message.

Your electronic signature may include clicking buttons, selecting checkboxes, typing your name, replying to an email, or taking other affirmative actions clearly presented to you when viewing a Record. Your consent remains effective unless withdrawn as described below.

How to Withdraw Consent

You may withdraw your consent to receive Records electronically by emailing [email protected].

Once consent is withdrawn, you will no longer be able to submit a loan request through our Services and may be ineligible for other Services. Any pending loan request will be terminated and removed from our system.

If you have already been connected with a lender, any agreements you entered into with that lender will remain in effect, and the lender will continue providing Records according to those agreements.

Withdrawal of consent will take effect within a reasonable time, not to exceed ten (10) business days. No fees will be charged, and withdrawal will not affect the validity of Records previously provided electronically.

Request for Paper Records

After consenting to electronic Records, you may request a paper copy of any previously provided Record by emailing [email protected].

Paper copies are provided at no charge and will be mailed within approximately ten (10) business days. Requesting a paper copy does not withdraw your electronic consent.

Changing Your Contact Information

You are responsible for maintaining accurate and current contact information, including your phone number, email address, and mailing address.

If a Record is sent electronically but not received due to outdated or blocked contact information, it will still be considered delivered.

You should add matterloan.com and our sending email domain to your safe sender list to ensure delivery of Records. Contact information can be updated by emailing [email protected].

Hardware and Software Requirements

To access and retain electronic Records, you must have:

• Internet access
• An active email account
• A supported web browser (Chrome, Firefox, Edge, or Safari)
• PDF viewing software (such as Adobe Acrobat Reader)
• Compatible hardware
• A printer or long-term electronic storage

If using a mobile or handheld device, you must also have the ability to view, print, and save Records on that device.

Changes to Requirements

If hardware or software requirements change in a way that materially impacts your ability to access Records, we will notify you, inform you of your right to withdraw consent without penalty, and request your affirmative consent to continue.

Termination and Changes

We reserve the right to discontinue or modify electronic Records or related terms at our discretion, subject to applicable law.

Consent

By clicking a button, selecting a checkbox, or otherwise indicating agreement, you confirm that:

• You have read and agree to this E-Sign Consent
• You consent to the use of electronic Records and signatures
• You can print or save this consent for your records
• You meet the hardware and software requirements
• You understand your right to paper copies at no charge
• You understand your right to withdraw consent and its consequences
• You will keep your contact information current
• Electronic Records have the same legal effect as paper Records
• You are at least 18 years old and legally able to consent
• The E-SIGN Act governs this agreement