DISCLOSURE REQUIRED BY FEDERAL LAW

ELECTRONIC RECORDS DISCLOSURE AND AGREEMENT

Please read this Electronic Records Disclosure and Agreement carefully and keep a copy for your records.

Electronic Copy of Related Disclosures, Agreements and Instructions. This Agreement is between Sand Dollar Group, LLC and Fig Loans Texas, LLC (hereinafter referred together as “we,” “us,” “our,”) and each Customer who consents to receive electronic disclosures relating to any loan transactions with us, together with any person who is authorized by a Customer to use or access the Service (hereinafter referred together as “you,” “your”, “yours”, or “Customer”). We will provide you with disclosures relating to your transactions with us electronically, rather than by postal mail or in person. These disclosures may include, but are not limited to, disclosures required under the Electronic Signatures in Global and National Commerce Act, the Truth in Lending Act, the Gramm-Leach-Bliley Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Texas Finance Code, and related regulations. In addition, your loan documents and loan statements will be transmitted to you electronically if you consent.

Your Consent is Required. You must consent to receiving these disclosures and agreements electronically before we can provide them to you in that manner.

Paper Copy of Disclosures, Agreements and Instructions. If you do not want to receive the legal disclosures, agreements and the instructions electronically, you should exit this area of our web site. If you consent to receive the disclosures, agreements and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements and instructions. We will charge you a fee of $20 for providing a paper copy of the disclosures, agreements and instructions.

Withdrawal of Consent for Electronic Delivery. You may withdraw consent for electronic delivery these legal disclosures, agreements, and instructions, but doing so will not affect the legal effectiveness, validity or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery. You can notify us of your intent to cancel electronic disclosures by:

If you email or write us a letter, please be sure to identify yourself and the applicable accounts or transactions.

In the event that you withdraw your consent for electronic delivery, we will no longer be able to communicate with you electronically.

System Requirements to Access the Information. To receive an electronic copy of the requested file, you must have the following equipment and software:

System Requirements to Retain the Information. To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access device, which is able to print the related legal disclosures, agreements, the instructions, communications, and online statements on plain white 8½ x 11 inch paper.

Updating Your Contact Information. To provide updated information on how we may contact you electronically, you must notify us by:

Contractual Agreements/Modification. This Agreement supplements and modifies other agreements that you may have with us. To the extent that this Agreement and another agreements contain conflicting provisions, this Agreement will govern the delivery of electronic statements, notices and disclosures, but all other contractual obligations of the parties remain subject to the terms of any other agreements. For example, you will still be required to review any account statements you receive and notify us within established time periods if there are any errors on your statement.

Authorization Consent. By agreeing to the terms and conditions of this Agreement, you represent that you are authorized to enter into this Agreement for all persons who own or are authorized to access this account, and that such persons will be bound by the terms of this Agreement.

Changes to this Agreement. We reserve the right to terminate this Agreement. We will notify you of any changes as required by applicable law.

Agreements and Acknowledgments. You agree that selecting the “I agree” button, on our account creation page, constitutes your signature, acceptance and agreement as if actually signed by you in writing. Further, you agree that no certification authority or other third-party verification is necessary to validate your electronic signature, and that the lack of such certification or third-party verification will not in any way affect the enforceability of your signature or any resulting contract between you and us.