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You are submitting an application to DSFinancialSolutions.com via the Internet. In order to process this application, DSFinancialSolutions.com needs you to agree to receive certain disclosures and documents electronically. This Electronic Disclosure and Consent Agreement apply to this application and any other communications we may provide to you during the process of you’re applying for or us servicing your account. By submitting your application you agree to receive all such disclosures and documents in electronic form or online in accordance with this document. You may withdraw your consent prior to submitting your application by exiting the application website or by closing your browser. However, you will not be able to submit your application if you withdraw your consent by exiting the website or closing your browser. In addition, because we are required to provide you with certain disclosures and documents prior to extending an offer to you, you cannot withdraw your consent after the submission of your application. 1.To access, view and retain the documents that we make available to you in electronic form, you must have the following hardware and software (we have included our recommended hardware and system requirements): ◦An Internet browser that supports 128-bit encryption (Microsoft Explorer 6.0 or higher [7.0 or higher recommended], Firefox 1.5 or higher); ◦Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit (64mb of memory); ◦An e-mail account with an Internet service provider and e-mail software in order to receive electronic communications from us (56k modem); ◦A personal computer (equipped with 133Mhz processor and 1024 x 768 screen resolution is recommended), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying and either printing or storing Account Documents received from us in electronic form via a plain text-formatted e-mail or by access to our website using one of the browsers specified above. ◦Adobe® Acrobat Reader (5.0 or higher). 2. You consent to receive any disclosures or documents in electronic format. 3.All documents that we provide to you in electronic format will be provided either (I) via e-mail; (ii) by access to a secure customer service website which will be provided to you in an e-mail notice we send to you when the documents are available; or (iii) by posting on a website that we designate for that purpose. 4. All documents provided in electronic or paper format from us to you will be considered "in writing." You should print a copy of your Account Documents for your records by using the "print" button in your browser. 5. You are required to provide us with an accurate and complete e-mail address and other information related to your account and to maintain and update any changes to the information promptly. You can update information by contacting us or by accessing your account online at DSFinancialSolutions.com. You may obtain any disclosures or documents in paper form without charge from us by printing them yourself from our website. At your request, we will provide you with a paper copy of any disclosures or documents (to the extent we maintain the ability to print such paper copies) at no cost. Contact us in writing at DSFinancialSolutions.com, and list the documents by name that you wish to have provided as a paper copy. The letter will need to include your name, application id and a contact number where we can reach you should we have any questions regarding your request. Your request will also need to include an address or fax number where you can receive the paper copies of the documents. Please allow up to 14 days for this request to be processed. 7. We reserve the right, in our sole discretion, to discontinue electronic provision of documents. We will provide you with notice of any such termination or change as required by law. 8.You agree and we both intend the federal Electronic Signatures in Global and National Commerce Act to apply to (I) this Consent to receive documents in electronic form; (ii) your application; and (iii) our ability to conduct business with you by electronic means. 9. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original or electronic documents for any period of time beyond the regulatory requirements. This applies to all documentation including but not limited to checks, transaction records, notes, applications, faxes, email correspondence and other loan documentation. You further acknowledge and understand that we will routinely destroy all original and electronic documentation but not before the period of time designated by regulatory requirements. We may store records electronically via imaging, scanning, filming or other technology used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. 10. By completing and submitting your application, you (I) confirm your consent to receive disclosures and documents in electronic format; (ii) affirmatively demonstrate your ability to access the documents in electronic form; (iii) confirm that you have provided a current e-mail address at which we can send electronic documents to you; iv) acknowledge that you have accessed the Consent; and (v) agree to the terms of this Consent. It is likely that you are already using all the hardware and software you need to access the disclosures and documents electronically as you are accessing this Electronic Disclosure and Consent Agreement via the Internet. It is likely that you are already using all the hardware and software you need to access the disclosures and documents electronically as you are accessing this Electronic Disclosure and Consent Agreement via the Internet.