E-Sign Consent Agreement

You consent to receive, in electronic form, all records, disclosures, notices, agreements, and communications (collectively, “Records”) that we or our marketplace technology provider, ML Enterprise Inc. (“Engine by MoneyLion”), and its participating lenders and financial institution partners are required by law to provide to you in writing, or that we otherwise choose to provide to you in connection with your request. This includes, without limitation:

• This E-Sign Consent Agreement and any updates to it
• Our Terms of Use, Privacy Policy, and Credit Authorization Agreement
• Marketplace and lending disclosures, including advertiser disclosures, representative examples, APR disclosures, and Equal Credit Opportunity Act notices
• Loan offers, offer terms, offer disclaimers, and adverse action notices
• Confirmations, service messages, and other communications about your request

Records may be delivered by posting them on familyfirstmutual.com, by email to the address you provide, or by another electronic method reasonably designed to reach you.

When you check a consent or authorization box, type your name, click a button such as “Submit My Request,” or otherwise indicate agreement on our website, you are providing your electronic signature. You agree that your electronic signature has the same legal force and effect as a handwritten signature, and that electronic Records satisfy any legal requirement that such Records be provided to you in writing.

We may retain an electronic record of your consent, including the exact language you were shown, the date and time of your submission, your IP address, and your browser user agent, as evidence of your agreement.

To access, view, and retain electronic Records, you will need:

• A computer, tablet, or mobile device with an internet connection and a current version of a standard web browser (Chrome, Safari, Edge, or Firefox) that supports 128-bit encryption
• A valid, active email address that you can access
• Software capable of viewing and printing PDF documents, such as Adobe Acrobat Reader
• Sufficient storage space to save Records, or a printer to produce paper copies

If our hardware or software requirements change in a way that creates a material risk that you will not be able to access or retain Records, we will notify you and give you the opportunity to withdraw your consent without charge.

You may withdraw your consent to receive Records electronically at any time, at no cost. To withdraw consent, contact us using the details in the Contact section below and state that you are withdrawing your E-Sign consent.

Withdrawal of consent is effective only after we have had a reasonable opportunity to act on your request. Withdrawing your consent does not affect the legal validity or enforceability of Records provided or signed electronically before the withdrawal took effect. If you withdraw consent, we may be unable to continue processing your marketplace request or to present you with loan offers, because those disclosures must be delivered electronically.

You may request a paper copy of any electronic Record we have provided to you by contacting us using the details below. We do not charge a fee for paper copies. Please identify the Record you are requesting and provide a current mailing address.

We encourage you to download, print, or otherwise save a copy of this E-Sign Consent and any other Record we provide for your files.

It is your responsibility to keep your email address and other contact information current so that we can deliver Records to you. To update your information, contact us using the details below. We are not responsible for Records that fail to reach you because the email address you provided was inaccurate, out of date, blocked by your service provider, or otherwise unable to receive messages.

Family First Mutual LLC
Website: www.familyfirstmutual.com

(657) 478-5905managers@familyfirstmutual.com

Business hours: Monday – Sunday, 8:00 AM – 7:00 PM PST.

Related agreements: Credit Authorization, Privacy Policy, Terms of Use, and SMS Terms.