Electronic Signatures and Records Disclosure and Consent (E-SIGN Act)

• "Communication" means any disclosure, notice, agreement, statement, record, document, receipt, tax form, or other information HL Hunt provides to you, or that you sign or submit to HL Hunt, in connection with your account or any HL Hunt product or service.
• "E-SIGN Act" means the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001 et seq., as amended.
• "Electronic Record" means a Communication created, generated, sent, communicated, received, or stored by electronic means.
• "Electronic Signature" means an electronic sound, symbol, or process attached to or logically associated with a record and executed or adopted with the intent to sign the record, including clicking "I Agree," checking a consent box, typing your name, drawing a signature, entering a one-time passcode, or using biometric authentication.
• "Platform" means the HL Hunt website at hlhunt.org, the HL Hunt application at app.hlhunt.org, the HL Hunt mobile applications, the HL Hunt Pay Dashboard, and any other HL Hunt digital interface.
• "UETA" means the Uniform Electronic Transactions Act as enacted in the applicable jurisdiction, including KRS Chapter 369 in the Commonwealth of Kentucky.

By accepting this E-SIGN Consent, you affirmatively consent and agree that:

• HL Hunt may provide all Communications to you in electronic form only;
• Electronic delivery satisfies any legal requirement that a Communication be provided to you in writing, be delivered, be posted, or be signed;
• You may sign, authorize, authenticate, and accept any Communication using an Electronic Signature;
• You are able to access, view, download, print, and retain Communications in the formats described in Section 5;
• Your consent applies to HL Hunt Inc., HL Hunt Lending LLC, and each of their affiliates, successors, assigns, service providers, and sub-processors;
• Your consent applies to Communications concerning any account you hold now or open in the future.

To access, view, and retain Electronic Records, you must have the following. These requirements may change; material changes will be disclosed under Section 16.

Federal law requires that you reasonably demonstrate your ability to access Electronic Records in the form in which they will be provided. By reviewing this E-SIGN Consent electronically and then accepting it electronically, you confirm that:

• You were able to open and read this document in the format presented;
• You are able to open and read PDF documents;
• You have access to the email address you provided and are able to receive messages there;
• You have the ability to print or electronically save Communications for your records;
• Your device and software meet the requirements in Section 5.

If you are unable to confirm any of the above, do not accept this consent. Contact us at support@hlhunt.org before proceeding.

You are solely responsible for maintaining accurate and current contact information with HL Hunt.

• Update your email address, mailing address, and phone number promptly through your account settings on the Platform, or by writing to support@hlhunt.org.
• Ensure that messages from hlhunt.org are not blocked by spam filters, and that your inbox has sufficient capacity to receive messages.
• If an email to your registered address is returned as undeliverable, HL Hunt may attempt redelivery, deliver the Communication by posting it to the Platform, or suspend electronic delivery and your account until valid contact information is provided.
• HL Hunt is not liable for any loss arising from your failure to maintain a working email address or to monitor your account.

A Communication is deemed delivered to and received by you at the earliest of the following:

• The time HL Hunt sends it to the email address on file, whether or not you open or read it;
• The time HL Hunt posts it to your account on the Platform, whether or not you log in;
• The time HL Hunt sends a notification directing you to the Communication;
• The time you actually access the Communication.

Deemed receipt occurs without regard to whether you actually accessed or read the Communication, provided HL Hunt directed it to the contact information then on file. HL Hunt is not required to confirm that you received or opened any Communication.

• HL Hunt retains Electronic Records for the period required by applicable law, and in no event less than the retention periods mandated by the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, and the Bank Secrecy Act.
• Records made available through the Platform are generally accessible to you for twenty-four (24) months following creation, subject to change.
• HL Hunt maintains Electronic Records in a form capable of accurate reproduction, as required by 15 U.S.C. § 7001(d).
• Upon account closure, your access to the Platform may end. Download your records before closing your account.
• Retention by HL Hunt is not a substitute for your own recordkeeping, and HL Hunt disclaims any obligation to serve as your record repository.

• Where an account has more than one owner, guarantor, or authorized user, delivery of a Communication to any one of them constitutes delivery to all, unless applicable law requires separate delivery.
• Each account owner, guarantor, and authorized user is individually bound by this E-SIGN Consent and must provide their own consent where required by law.
• An Electronic Signature by any authorized signer binds the account and all account owners to the extent that signer has authority.
• For business and merchant accounts, the individual accepting represents that they are an owner, officer, or authorized control person with authority to bind the entity, and that the entity consents to electronic records and signatures.

HL Hunt delivers its services through licensed partners, sponsor banks, and sub-processors. Your consent under this E-SIGN Consent extends to Communications delivered by or on behalf of those parties, and to Electronic Signatures executed in connection with their agreements.

• This consent covers Communications from HL Hunt's sponsor banks, acquirers, payment facilitators, gateways, servicers, and consumer reporting agencies acting in connection with your account.
• Your Electronic Signature accepting an HL Hunt agreement also serves as your Electronic Signature on any sub-processor agreement incorporated into that agreement by reference, as set forth in the applicable HL Hunt terms.
• Third parties may maintain their own electronic records disclosures and consent requirements, which are in addition to, and not in place of, this E-SIGN Consent.
• HL Hunt is not responsible for the electronic delivery practices of any third party with whom you contract independently.

The E-SIGN Act excludes certain categories of records from electronic delivery. Where any of the following applies to a Communication, HL Hunt will deliver it by the method required by law rather than electronically:

• Court orders, notices, pleadings, and other official court documents;
• Notices of default, acceleration, repossession, foreclosure, eviction, or the right to cure under a credit agreement secured by your primary residence;
• Notices of cancellation or termination of utility services;
• Notices of cancellation or termination of health insurance or life insurance benefits;
• Notices of product recall or of a material defect creating a risk to health or safety;
• Documents required by law to accompany the transportation of hazardous materials;
• Any other record for which electronic delivery is prohibited by applicable federal or state law.

Nothing in this E-SIGN Consent waives any right you have to receive a record in a particular form where the law requires it.

This E-SIGN Consent is given under and governed by the E-SIGN Act and, to the extent applicable, UETA as enacted in the Commonwealth of Kentucky and in your state of residence.

• Where state law would otherwise require a paper record or a handwritten signature, the E-SIGN Act preempts that requirement to the extent permitted by 15 U.S.C. § 7002.
• Where your state provides greater protection than the E-SIGN Act and is not preempted, that protection applies.
• This E-SIGN Consent is construed under the laws of the Commonwealth of Kentucky, without regard to conflict of laws principles, except where the law of your state of residence governs by operation of law.
• If any provision is held unenforceable, the remainder continues in full force, and the unenforceable provision is modified to the minimum extent necessary to make it enforceable.

• HL Hunt may amend this E-SIGN Consent at any time by posting a revised version to the Platform or delivering it to you electronically.
• Where an amendment materially changes the hardware or software requirements in Section 5 in a way that creates a material risk you will be unable to access Communications, HL Hunt will provide notice and a renewed opportunity to consent, as required by 15 U.S.C. § 7001(c)(1)(D).
• For all other amendments, HL Hunt will provide not less than thirty (30) days' notice before the change takes effect, unless a shorter period is required by law or necessary for security reasons.
• Your continued use of any HL Hunt service after the effective date of an amendment constitutes acceptance of the amended E-SIGN Consent. If you do not accept an amendment, your remedy is to withdraw consent under Section 8.

• You are responsible for safeguarding your credentials, devices, and any one-time passcodes sent to you, and for all activity conducted through your account.
• Notify HL Hunt immediately at security@hlhunt.org if you suspect unauthorized access to your account, email, or phone number.
• HL Hunt will never ask you for your password by email, text, or phone. Communications requesting your password are fraudulent and should be reported.
• HL Hunt may suspend electronic delivery or require re-authentication where it reasonably suspects compromise, fraud, or unauthorized access.
• Email is not a fully secure medium. Where a Communication contains sensitive information, HL Hunt may send only a notification and require you to log in to the Platform to view it.