Lakeview Home Equity Line of Credit Disclosure and Consent to the Use of Electronic Communications and Signatures

Consent to Electronic Records.

As part of your relationship with Lakeview Loan Servicing, LLC, and its respective affiliates, subsidiaries, and service providers (collectively, “we,” “us,” and “our”), we are required by law to give you certain information in writing on paper. With your consent, we can provide this information to you by electronic delivery instead. By providing your consent, you agree to receive electronically any disclosure, notice, document, or communication (collectively, “Record”).

Scope of Consent. Your consent applies to any Record related to the Lakeview Home Equity Line of Credit digital experience and/or application by electronic means and acknowledge that all documents, disclosures, forms, and other information related to such transactions will be provided to you through an electronic interface (e.g., website, software application, etc.), messaging services (including text messages, as permissible by law) and/or email. Each time you use this service and submit information to us, you agree to the online access and acceptance of documents, disclosures, and forms. This agreement to conduct transactions by electronic means continues in effect until you complete the application regardless of the number of sessions you utilize.

You further agree that all transactions completed through this electronic process will result in valid and legally binding agreements.

Delivery of Records. In our sole discretion, the Records we provide to you, or that you sign or agree to at our request, may be in electronic form. We may also use electronic signatures and obtain them from you as part of our transactions with you. Records may be delivered to you by (i) posting on a website, (ii) emailing to you at the email address you provide to us, (iii) accessing an online location that we designate in an e-mail, or other electronic notice we send to you at the time the Records is available, or (iv) other means we make available to you. Records may contain important information or disclosures concerning your financial accounts or my use of the Services, and you agree to review such Records promptly after we provide them to you.

We may always, in our sole discretion, provide you with any Record in writing or send it to you via the U.S. mail or other means of delivery, even if you have chosen to receive it electronically. We may require any information you provide to us, or any document you sign, to be delivered to us in paper form. You should print or download a copy of any Records for your own records, including this Disclosure and Consent.

Paper Copies. If we provide an electronic Record to you, and you would like a paper copy, you may contact support at (888) 770-5866 and request a paper version. You will not be charged a fee for a paper copy. We may not retain copies of Records for longer than is required by law.

Hardware and Software Requirements. In order to view and retain your electronic Records, you will need:

• A secure access to the internet;
• A secure email account and related software capable of receiving email through the internet;
• Web browsing software (such as a version of Google Chrome, Mozilla Firefox, Microsoft Edge, or Apple Safari that is currently being supported by its publisher);
• Software that allows you to view and print or save PDF documents (such as Adobe Reader or similar software);
• An operating system and hardware capable of supporting the above software requirements; and
• Sufficient storage space or a printer that allows you to save or print electronic Records.

If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain electronic Records, we will notify you as required by law.

Updating Your Contact Information. You agree that you will promptly inform us of any changes to your email address, phone number or mailing address by contacting us at (888) 770-5866.

Withdrawing Consent. You may withdraw your consent to receive Records electronically by contacting us at (888) 770-5866. Note, if you do so, we are unable to continue your Lakeview Home Equity Line of Credit pre-qualification and application. Withdrawing your consent to the Lakeview Home Equity Line of Credit digital experience and/or Records electronically will not affect any other consent you may have provided to us or a third party to provide Records to you electronically, such as in connection with a loan, insurance application, or account. Please refer to those appropriate Terms and Conditions for directions on how to withdraw consent.

If, after withdrawing your consent to receive Records electronically for your Lakeview Home Equity Line of Credit pre-qualification and application, you wish to continue with an application for credit, please reach out to a Lakeview loan officer (888) 270-1723 for instructions.

By providing your consent, you are consenting to the use of electronic records and signatures in connection with your relationship with us, and also confirming that:

• You have reviewed and agree to the terms of this Disclosure and Consent,
• You have the hardware and software described above,
• You are able to receive and review electronic Records,
• You have an active email account and have provided the correct address to us, and
• You acknowledge that your electronic signature is valid and enforceable as your legal signature and will legally bind you to the terms and conditions contained in the related documents just as if you have physically signed the same document(s) with a pen.