This E -Sign Disclosure and Consent Notice (“Notice”) applies to all communications, as defined below, for services provided by World Business Lenders, LLC in conjunction with your business loan application. Under this Notice, communications you receive in electronic form from us will be considered “in writing.” 

By using World Business Lenders electronic and online services (“Electronic Services”) you hereby consent to this Notice and affirm that you have access to the hardware and software requirements identified below. In addition, you must review and accept the terms of these services. If you choose not to consent to this Notice or you withdraw your consent, you will be restricted from using Electronic Services. 

COVERED COMMUNICATIONS 

May include, but are not limited to, disclosures and communications we provide to you regarding our services such as: (i) terms and conditions, or notices and any changes thereto; (ii) customer service communications, and (iii) requests for documentation (“Communications”). 

METHODS OF PROVIDING COMMUNICATIONS  

We may provide Communications to you by email or by making them accessible on mobile applications, or mobile websites (including via “hyperlinks” provided online and in e-mails). Communications will be provided online and viewable using browser software or PDF files. 

HARDWARE AND SOFTWARE REQUIREMENTS 

To access and retain electronic Communications, you must have: 

A valid e-mail address, a computer, mobile, tablet or similar device with internet access and current browser software and computer software that is capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form and sufficient storage space to save Communications (whether presented in e-mails or PDF) or the ability to print Communications. 

We may request that you respond to an email to demonstrate you are able to receive these Communications. 

HOW TO WITHDRAW YOUR CONSENT 

You may withdraw your consent to receive Communications under this Notice by writing to us at: ” World Business Lenders, Attn: E -Sign Disclosure and Consent Notice, 

P.O. Box 1685, Cranford, NJ 07016. Your withdrawal of consent will cancel your agreement to receive electronic Communications, and therefore, your ability to use our Electronic Services. 

REQUESTING PAPER COPIES OF ELECTRONIC COMMUNICATIONS  

You may request a paper copy of any Communications; we will mail you a copy via U.S. mail. To request a paper copy, you may contact us in writing to: “World Business Lenders, Attn: E -Sign Disclosure and Consent Notice, P.O. Box 1685, Cranford, NJ 07016 .” Please provide your current mailing address so we can process your request. World Business Lenders may charge you a reasonable fee for this service. 

UPDATING YOUR CONTACT INFORMATION 

 It is your responsibility to keep your primary email address current so that World Business Lenders can communicate with you electronically. You understand and agree that if World Business Lenders sends you a Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic communications, World Business Lenders will be deemed to have provided the Communication to you; however, we may deem your account inactive. You may not be able to transact using our Electronic Services until we receive a valid, working primary email address from you. 

If you use a spam filter or similar software that blocks or re-routes emails from senders not listed in your e-mail address book, we recommend that you add World Business Lenders to your email address book so that you can receive communications by e-mail. You may update your primary email address or other information by writing to us at: “Attn: E -Sign Disclosure and Consent Notice, P.O. Box 1685, Cranford, NJ 07016.” 

FEDERAL LAW 

You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (as amended, the“ Act”), and that you and we both intend that the Act shall apply to the fullest extent possible to validate our ability to conduct business with you by electronic means. 

TERMINATION / CHANGES 

We reserve the right, in our sole discretion, to discontinue the provision of your Communications, or to terminate or change the terms and conditions on which we provide Communications. We will provide you with notice of any such termination or change as required by law.