E-Sign Disclosure and Consent

Last updated: May 22, 2026 · DRAFT

This E-Sign Disclosure and Consent (“E-Sign Disclosure”) applies to all communications, documents, and disclosures that PathCredit (operated by Vector Ventures) provides to you in connection with our products and services. By accepting this E-Sign Disclosure, you agree to receive all such communications electronically.

1. Electronic Delivery of Communications

Under the federal E-Sign Act, you have the right to receive paper copies of any document we provide electronically. By consenting to this E-Sign Disclosure, you are agreeing to receive these communications electronically:

• Loan applications, agreements, and disclosures
• Privacy notices and amendments
• Federal Truth-in-Lending Act and Regulation Z disclosures
• Adverse-action notices
• Periodic statements, payment receipts, and payoff notices
• Tax forms (e.g., 1099-C)
• Any other communications required by law to be in writing

2. Hardware and Software Requirements

To access and retain electronic communications, you need:

• A computer or mobile device with internet access
• A current version of a major web browser (Chrome, Firefox, Safari, or Edge)
• A valid email address that you check regularly
• Adobe Acrobat Reader (or another PDF viewer) to view PDF documents
• The ability to print or save electronic documents for your records

3. Withdrawing Consent

You may withdraw your consent to receive communications electronically at any time. To do so, contact us at support@pathcredit.com. After we receive your withdrawal request, we will resume sending you paper communications. There is no fee to withdraw consent, but withdrawing consent may delay or prevent loan servicing.

4. Requesting Paper Copies

You may request a paper copy of any communication we have sent you electronically by contacting us at the address below. We may charge a reasonable fee for paper copies of communications already provided electronically.

5. Updating Your Contact Information

It is your responsibility to keep your email address and other contact information current. You can update your information by logging into your account at /portal/login or by contacting us.

6. Consent

By proceeding with your application or accepting an electronic communication from PathCredit, you confirm that:

• You have read and understood this E-Sign Disclosure
• You consent to receive communications electronically as described above
• You can access and retain electronic communications in the formats described
• You have a valid email address and access to a computer or mobile device meeting the requirements above

This is placeholder copy pending review by qualified legal counsel. Do not rely on it as the binding E-Sign Disclosure of the PathCredit Services.