Electronic Communications Consent


Consent and Scope. You consent to do business with Transportation Alliance Bank, dba TAB
Bank (“TAB Bank”), and any partner through which TAB Bank offers financing, including
Sunbit Now, LLC (together, “we,” “our” or “us”) electronically, including via email.
Your consent applies to all aspects of any extension of credit you obtain from or
through us as well as all aspects of any future transaction with us or an affiliate
of ours (“Transaction”).

Disclosures. You agree that we may provide you with all disclosures required by
federal or state law in electronic form (“Disclosures”). These disclosures may
include those required by: (1) the federal Equal Credit Opportunity Act and Regulation B;
(2) the federal Fair Credit Reporting Act and Regulation V; (3) the federal Truth
in Lending Act and Regulation Z; (4) the federal Electronic Funds Transfer Act and
Regulation E; (5) the federal Gramm-Leach-Bliley Act and Regulation P; (6) the federal
Telephone Consumer Protection Act; and (7) any other applicable federal, state or local
law or regulation. You agree that we may send e-mails to you at the e-mail address you
give to us (or any updated email address that you provide) in order to advise you of
upcoming or missed payments, deliver Disclosures to you (if we choose), provide additional
information about any credit agreement or application of yours, or other ancillary agreements between us.

Impact of Not Consenting/Withdrawing Consent. If you do not agree to this
Consent or you withdraw this Consent before entering into a Transaction,
you will not be able to make a purchase on credit. If you first sign
this Consent, receive Disclosures and then withdraw this Consent, the
Disclosures and any associated agreements will remain in effect. However,
any Disclosures we provide after you withdraw this Consent will be provided to
you in paper form.

Electronic Agreements and Updates. Any communication that you accept or agree to receive
electronically, or any account update you submit to us electronically will be enforceable without
your signature on a paper form.

Option for Paper or Non-Electronic Records; Withdrawal of Consent. You may request paper
copies of specific Disclosures without charge by mailing a written request to us to
PO Box 24010, Los Angeles, CA 90024 or by calling
us at (855) 678-6248. You may withdraw this Consent to receive electronic Disclosures
by writing to us or calling us at the address or phone number set forth in this
paragraph. Any withdrawal of this Consent will be effective only after we have a
reasonable period of time to process your request. The legal effectiveness, validity, and
enforceability of any Disclosures will not be affected by your withdrawal of this Consent.

Your Contact Information. If you give us an incorrect email address or fail to update or correct
your email address, an electronic Disclosure will be deemed provided to you if we use the email
address in our records for the electronic Disclosure. You can update your contact information by
using one of the methods outlined above.

Hardware and Software Requirements. To access the Disclosures,
the device you are using must have a widely-used, recent-generation web browser
(for example, Chrome™, Safari® or Firefox®). The equipment you are currently using
meets this requirement. However, you may not be able to print from this equipment.
To receive, store, or print Disclosures, you will need to have a personal computer or
device capable of accessing email, the email address that you specify on your application
(or any updated email address that you provide) and a printer or storage device.
You promise us that you have the hardware, software and printer or storage device described above,
and you promise us that the e-mail address you have provided is your correct e-mail address.
To update your email address or other contact information, please contact us
at [email protected].

Federal Law. You acknowledge and agree that your consent to electronic Disclosures 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 and that you and we both
intend that the Act 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 electronic Disclosures, or to terminate or change the terms and conditions on which we
provide electronic Disclosures. We will provide you with notice of any such termination or
change as required by law.

Reservation of Rights. This Consent does not apply to any Disclosures that we determine, in our
sole discretion, that we are required to deliver in paper form under applicable law or that you
should receive in paper rather than electronic form.