PacificaLending.com consent for electronic signatures, records, and disclosures (“E-Consent”)

Please read this information carefully and print a copy and/or retain
this information for future reference.
Introduction. You are submitting a request to be matched with one
of our third-party lenders. In order to offer you a loan, the third-party
lenders need your consent to use and accept electronic signatures,
records, and disclosures (“E-Consent”). This form notifies you of
your rights when receiving electronic disclosures, notices, and
information. By clicking on the link assenting to our terms, you
acknowledge that you received this E-Consent and that you consent
to conduct transactions using electronic signatures, electronic
disclosures, electronic records, and electronic contract documents
(“Disclosures”).
Option for Paper or Non-Electronic Records. You may request any
Disclosures in paper copy by contacting the third-party lender
directly. The lenders will provide paper copies at no charge. The
lenders will retain all Disclosures as applicable law requires.
Scope of Consent. This E-Consent applies to all interactions online
concerning you and the third-party lender and includes those
interactions engaged in on any mobile device, including phones,

smart-phones, and tablets. By exercising this E-Consent, the third-
party lender may process your information and interact during all

online interactions with you electronically. The lender may also send
you notices electronically related to its interactions and transactions.
Disclosures may be provided online at our or third party lenders’
websites, and may be provided by e-mail.
Consenting to Do Business Electronically. Before you decide to do
business electronically with the third-party lenders, you should
consider whether you have the required hardware and software
capabilities described below.
Hardware and Software Requirements. To access and retain the
Disclosures electronically, you will need to use the following
computer software and hardware: A PC or MAC compatible
computer or other device capable of accessing the Internet, access
to an e-mail account, and an Internet Browser software program
that supports at least 128-bit encryption, such as Microsoft Internet
Explorer, Netscape or Mozilla Firefox. To read some documents,
you may need a PDF file reader like Adobe Acrobat Reader X or
Foxit. You will need a printer or a long-term storage device, such as
your computer’s disk drive, to retain a copy of the Disclosures for
future reference. You may send any questions regarding the
hardware and software requirements directly to the third-party
lenders.
Withdrawing Consent. Your E-Consent for our matching service and
for our third-party lenders’ consideration of your matching request
cannot be withdrawn because it is a one-time transaction. If you are
matched with one or more third party lenders, you are free to
withdraw your E-Consent with those third-party lenders at any time
and at no charge. However, if you withdraw this E-Consent before
receiving credit, you may be prevented from obtaining credit from
the lender. Contact the third-party lender directly if you wish to
withdraw this E-consent. If you decide to withdraw this E-Consent,
the legal effectiveness, validity, and enforceability of prior electronic
Disclosures will not be affected.
Change to Your Contact Information. You should keep third party
lenders informed of any change in your electronic address or
mailing address. You may update such information by logging into
the third-party lender’s website or by sending the lender a written
update by mail.
YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE
LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE
THAT YOU CAN ACCESS THE DISCLOSURES IN THE
DESIGNATED FORMATS DESCRIBED ABOVE CONSENT. BY CLICKING THE LINK,
YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS
INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS,
DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY.
YOU CONSENT TO USING ELECTRONIC SIGNATURES,
HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE
TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS
WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE
THAT YOU MAY REQUEST A PAPER COPY OF THE
ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE
PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM
PROCEEDING THEN YOU NEITHER WISH TO USE
ELECTRONIC SIGNATURES NOR CONDUCT THIS
TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE
THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS
REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY
LENDERS OVER THE INTERNET.