Electronic Signature Disclosure & Consent

Consent Under the E-SIGN Act

This Electronic Signature Disclosure is provided in accordance with the Electronic Signatures in Global and National Commerce Act (the “E-SIGN Act,” 15 U.S.C. §7001 et seq.). By providing your consent, you agree that your electronic signature has the same legal effect as a handwritten signature and that electronic records and disclosures we provide satisfy any requirement that such information be provided “in writing” under applicable law.

Purpose of This Disclosure

Federal law requires that we obtain your consent before providing you with legally required disclosures, notices, records, or other information (“Disclosures”) electronically. This Disclosure informs you of your rights when receiving Disclosures electronically. By consenting, you agree that all Disclosures related to your credit application, loan request, pre-qualification, or related services may be provided electronically rather than in paper form.

Scope of Your Consent

Your consent applies to all Disclosures provided to you by Frank Leta Automotive Outlet and our participating lenders in connection with your current application or request for credit. It also applies to related notices, authorizations, agreements, and communications during the application and review process. Once your application is transmitted to a lender, you may also receive Disclosures directly from that lender, and your consent will apply to those communications unless the lender specifies otherwise.

Electronic Communications

Disclosures will be made available to you through this website or sent via email to the address you provide. You may print or download any Disclosure for your records. If you require a paper copy, you may request one at no charge by contacting us at:

• Mailing Address: Bridgeton, Missouri, 63044
• Email: [email protected]
• Phone:(314) 597-9205

Hardware and Software Requirements

To access and retain Disclosures electronically, you must have:

• A computer or mobile device with Internet access.
• A current web browser that supports 128-bit encryption (e.g., the latest versions of Chrome, Firefox, Safari, or Edge).
• Software capable of opening PDF files (such as Adobe Acrobat Reader).
• A valid email account with sufficient storage space.
• A printer or storage device if you wish to print or retain copies of electronic Disclosures.

Withdrawing Consent

You may withdraw your consent to receive electronic Disclosures at any time and at no cost. To withdraw consent, contact us at the mailing address, email, or phone number listed above. Your withdrawal will not affect the legal validity or enforceability of Disclosures already provided electronically. If you withdraw consent, we may be unable to proceed with your application electronically and may need to discontinue or delay certain services.

Updating Your Contact Information

You must keep us informed of any changes to your email address or other contact information. You can update your information by emailing us at support@[company].com or writing to the mailing address above.

Requesting Paper Copies

You may request paper copies of any electronic Disclosure we provide at no cost to you by contacting us at the addresses or phone number listed above.

Acknowledgment and Consent

By completing and submitting your application, you confirm that:

• You can access and read this Disclosure using the system requirements described above.
• You can print or save a copy of this Disclosure for future reference.
• You consent to receive all required Disclosures electronically in connection with your credit application or request.

BY CLICKING “I AGREE,” YOU CONSENT TO THE USE OF ELECTRONIC RECORDS AND SIGNATURES IN CONNECTION WITH YOUR APPLICATION INSTEAD OF PAPER DOCUMENTS.