Consent for Electronic Documents

ESIGN Consent for Electronic Disclosures

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CONSENT TO RECEIVE ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT

As part of your relationship with us, we want to ensure you have all of the information you need to effectively complete your transaction. We are required by law to give you certain information “in writing” which means you are entitled to receive it on paper. We may provide this information to you electronically instead with your prior consent. We also need your general consent to use electronic records and signatures in our relationship with you. Below you will find information about the scope of consent we are asking you to give us. Please read the information carefully.

Introduction

The terms “you” and “your” refer to a consumer who submits a credit application (“Application”) for an auto loan (“Loan”) made by OpenRoad Lending or one of our lending partners (“we,”“us,” and “our”). By agreeing to receive information from us electronically, you will receive certain disclosures, notices, information and documents related to your Application and Loan (“Documents”) electronically through our web site(s), other web sites related to the Application, or at the email address you designate in the Application. The Documents you receive from us electronically will include the Application, this Consent for Electronic Documents, the Consent for Sharing and Use of Information, our Privacy Policy, notices of our credit decision about your Application, the Note and Security Agreement and Truth and Lending Disclosures. This Consent for Electronic Documents informs you of your rights when receiving these Documents electronically. You will be unable to submit an Application unless you consent initially to the use of these electronic Documents.

Option to Receive Paper Copies

If we provide electronic records to you and you want a paper copy, you may contact us at 888-536-3024 and request a paper version at no charge.

Hardware and Software Requirements

Before you decide to receive the Documents electronically, you must determine if you have the necessary hardware and software described below to access and retain the Documents. To access the Documents, you will need a working email address, Adobe Acrobat Reader, and a personal computer or other access device that can access the Internet using a web browser. To retain the Documents, your personal computer or access device must allow you to download and save Documents to your hard drive or external storage media, print web pages as well as embedded HTML files, or both. Save and/or print this page to be sure you have the necessary hardware and software.

Withdrawing Consent

You may withdraw your consent to this ESIGN Consent for Electronic Disclosures and to receive Documents electronically at any time by emailing us at edocrecords@openroadlending.com. If you do, we will continue the Application and Loan process in non-electronic form at no charge to you. If you decide to withdraw your consent, any Document that we previously provided to you as an electronic Document will remain valid, enforceable, sufficient for its intended purpose, and unaffected by the withdrawal of your consent. If you decide to withdraw your consent for electronic Documents, you will not have the option later to receive Documents from us electronically.

Updating Your Contact Information

To update your email address or mailing address, contact us by telephone at 888-536-3024.

CONSENT AND ACKNOWLEDGMENT

BY COMPLETING ALL REQUIRED FIELDS IN YOUR APPLICATION, AND CLICKING THE “CLICK TO COMPLETE AND START SAVING!” BUTTON ON OUR WEBSITE APPLICATION PAGE, YOU ACKNOWLEDGE AND AGREE: (1) THAT YOU CAN RECEIVE DOCUMENTS ELECTRONICALLY AND CAN ACCESS AND RETAIN THOSE DOCUMENTS; (2) THAT YOU CAN RECEIVE AND READ EMAIL MESSAGES SENT TO THE EMAIL ADDRESS IN YOUR APPLICATION; (3) THAT YOU CAN ACCESS INFORMATION PROVIDED ELECTRONICALLY AT OUR WEB SITE; (4) TO RECEIVE DOCUMENTS ELECTRONICALLY AND TO STORE OR PRINT THOSE DOCUMENTS FOR YOUR RECORDS; (5) THAT THE ACTIONS DESCRIBED HERE OR ON THE DOCUMENTS WILL SERVE AS YOUR ELECTRONIC SIGNATURE ON ANY SUCH DOCUMENTS; AND (6) THAT YOU ARE PROVIDING YOUR CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS FROM US UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT, AND INTENDING THAT THIS LAW APPLY TO YOUR TRANSACTIONS WITH US.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

Please retain a copy of this Privacy Policy and Consent for Electronic Documents. If you prefer to print another copy, visit our Web site at www.OpenRoadLending.com or you may request a copy by calling 888-536-3024.