Esign Consent

You are agreeing to transact business with us electronically. This means you will not receive paper copies of important notices, agreements and disclosures. By checking a box or clicking on a button, you may be providing your consent as if you had given your signature on a piece of paper.

You agree to receive electronically all disclosures, communications, notices, and other information that Lon Operations LLC (d/b/a Bread and Bread Operations) and its affiliates or subsidiaries (collectively, “Bread”, the “Company”, “we” or “us”) or Cross River Bank may send to you or be required to send to you under applicable law or otherwise (the “Bread Electronic Signature Consent”) pursuant to the terms and conditions set forth below (the “Bread Electronic Signature Policy”).

Scope of Consent

Your Bread Electronic Signature Consent applies to any transactions undertaken by you with us, Cross River Bank (the “Bank”) or any of our agents or representatives, including use of the Bread Services, any communication from us or the Bank or our representatives or agents to you, including all disclosures, communication, notices, and other information required to be given to you under applicable law, any other information required by law to be provided either before or after your loan is issued, your loan agreement, billing statements, adverse action notices, any updates to your account, in each case, pertaining to any transaction with us, the Bank or any use of the Bread Services, whether now or in the future (the “Disclosures”). Your consent will remain in effect from the time you initially use the Bread Services or access the Site until such time as your account with Bread is terminated and, once terminated, will continue until such a time as all Disclosure relevant to your account have been provided.

Means of Communication

We may send any Disclosures to you via email to the email address that you have provided (or may provide later) to us or via text message to the cellular telephone number that you have provided (or may provide later) to us. We may also post Disclosures on the Borrower Portal under your account or on the Site and will inform you of the posting of such Disclosures. You agree that Bread is not responsible for your failure to receive any Disclosures sent via text message or email that is not caused by our failure to send the Disclosure to the cellular number or email address that you would have provided to us.

Minimum Requirements

Before you decide to do business electronically with us, you should consider whether you have the required hardware and software capabilities described:

• A valid working email account
• A cellular device capable of receiving text messages
• Access to a computer, operating system and telecommunication connection to the Internet capable of receiving, accessing, displaying and either
• printing or displaying information electronically. Your Internet browser must be one of the current and previous major releases of Chrome, Firefox,
• Internet Explorer, and Safari
• Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit
• Adobe Acrobat or equivalent software

We will notify you of any changes to these requirements that create a risk that you may not be able to receive Disclosures directly

Withdrawing Consent

You may withdraw your consent to receiving electronically the communications or information subject to your Bread Electronic Signature Consent at any time by contacting us via email at support@getbread.com or calling (844) 992-7323. The legal effectiveness, validity, and enforceability of all agreed to terms and conditions and any prior Disclosures will remain in effect. Any withdrawal of your consent will be effective only after we have a reasonable period of time to process your withdrawal. If you decide to withdraw your consent, your account with the Bread will be closed and your loan may become due immediately.

Changes to Your Contact Information

You agree to keep us informed of any changes in your email address or cellular number so that you can continue to receive all Disclosures in a timely fashion. If your registered email address or cellular number changes, you must notify us of the change by sending an email to support@getbread.com or calling (844) 992-7323. You also agree to update your registered residence address in the Borrower Portal if it changes

Acknowledging Your Ability to Access Disclosure

You agree and acknowledge that you can access, receive and retain all Disclosures electronically sent via email or to your cellular number or posted on the Site.

Legal Effect

Your Bread Electronic Signature Consent means that any Disclosures shall have the same meaning as if provided in paper form. Any Disclosures or other communication sent to you via email or text message shall be deemed delivered once received on your device. By pressing the button “Get My Rate”, “Accept and Checkout”, “Submit”, “Confirm”, “Verify”, “I agree” or similar buttons indicating your authorization, you are providing your electronic signature with the same effect as if your signature had been provided on paper. You waive any and all defenses you may have that the Bread Services, the Terms of Use, the Bread Privacy Policy or any Disclosures were supplied to you in electronic form or that your signature or agreement to the Bread Services or to the loan agreement was obtained electronically.