Credit Report Authorization

By continuing with the application, you understand and agree that you are authorizing Transportation Alliance Bank, Inc. doing business as TAB Bank (“TAB”) and our servicer, Deinde Financial, LLC, to each obtain consumer credit reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Clarity and LexisNexis. We will appear on your credit report as TAB or Integra Credit.

You also authorize us to verify information in your application, and you agree that we may contact third parties to verify any such information. You direct us to use your consumer credit reports to authenticate your identity, to make credit decisions, and for other related purposes.

You expressly authorize us to obtain consumer credit reports from consumer reporting agencies about you when you apply for credit and periodically throughout the term of your credit product, including in the month following the month when you pay off or otherwise satisfy the terms of your credit product. You expressly authorize us to use the information that we obtain from such reports to, among other things, market refinancings and other products to you, make decisions related to the servicing and collection of your account, measure how the credit product you obtained from us impacts your credit, perform other statistical analysis, and share information with you about your credit profile.

You also authorize us to use obtained consumer credit reports to determine your eligibility for any other products that we may offer or that you may apply for within 30 days after your initial application date and initial consumer report pull.

Optional Consent to Receive Autodialed Marketing Calls

Your telephone number(s):

Agreeing to receive autodialed marketing calls is not a condition of your loan application and is not a condition of purchasing property, goods or services through us.

By checking the box you authorize Transportation Alliance Bank, Inc. doing business as TAB Bank and its servicer Deinde Financial, LLC, their agents and service providers (jointly "us" and "we") to initiate autodialed marketing calls to your telephone number listed above. The brand name Integra Credit may be used for such calls. You agree that these calls may be initiated using an automatic telephone dialing system and may also include prerecorded or artificial voice messages.

If you do not wish to receive autodialed marketing calls from us, you should not check the box. You understand that any messages we leave for you may be accessed by anyone with access to your voicemail. You understand that your mobile phone service provider may charge you fees for calls that we make, and you agree that we will have no liability for the cost of any such calls.

At any time, you may withdraw your consent to receive autodialed marketing calls by:

• sending an email to support@integracredit.com with the subject line "STOP Autodialed Marketing Calls", or
• requesting to unsubscribe from autodialed marketing calls when speaking with a customer service representative at 855-345-5550

BY CHECKING THE CONSENT TO RECEIVE AUTODIALED MARKETING PHONE CALLS BOX, YOU CONSENT TO OUR INITIATING AUTODIALED MARKETING CALLS TO YOU USING THE TELEPHONE NUMBER ABOVE

Optional Consent to Receive Text Messages
(Including Marketing Text Messages)

Your mobile telephone number:

Agreeing to receive text messages is not a condition of your loan application and obtaining services through us.

By selecting "Yes" to the Optional Consent to Receive Text Messages box and clicking the "I Agree" button below, you authorize Transportation Alliance Bank, Inc. doing business as TAB Bank and its servicer Deinde Financial, LLC, their agents and service providers (jointly "us" and "we") to initiate text messages to your telephone number listed above. Integra Credit will be the brand name used for such messages.

If you select "Yes" and opt-in to the service, you will receive an SMS message to confirm your signup. You agree that text messages sent by us may be initiated using an automatic telephone dialing system for marketing and non-marketing purposes. Text messages may be sent on a recurring basis. Text message frequency will vary. If you do not wish to receive texts from us, you should select the "No" box.

You understand that any text messages we send to you may be accessed by anyone with access to your text messages. You understand that your mobile phone service provider may charge you fees for texts that we send you, and you agree that we will have no liability for the cost of any such texts. Message and data rates may apply. Contact your wireless provider if you have any questions about your text plan.

At any time, you may withdraw your consent to receive text messages by:

• replying "STOP" to any text message from us,
• sending an email to support@integracredit.com with the subject line "STOP Texts," or
• requesting to unsubscribe from texts when speaking with a customer service representative at 855-345-5550.

You may also reply "HELP" to any text message we send you for help. After you send the SMS message "HELP", you will receive instructions on how to use our service as well as how to unsubscribe. Text Message Terms of Use and Privacy Policy also apply.

BY SELECTING "Yes" TO THE OPTIONAL CONSENT TO RECEIVE TEXT MESSAGES BOX AND CLICKING "I AGREE" BELOW, YOU CONSENT TO OUR INITIATING TEXT MESSAGES, INCLUDING MARKETING AND NON-MARKETING TEXT MESSAGES SENT USING AN AUTOMATIC DIALING SYSTEM TO YOU USING THE TELEPHONE NUMBER ABOVE.

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CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES ("E-Consent")

Please read this information carefully and print a copy and/or retain this information electronically for future reference.

Introduction. You are submitting a request for a loan from Transportation Alliance Bank, Inc. doing business as TAB Bank which will be serviced by Deinde Financial, LLC using the brand name Integra Credit (jointly "we," "us," "our," or "Integra Credit"). To provide these services, we need your consent to using and accepting electronic signatures, records, and disclosures ("E-Consent"). This E-Consent notifies you of your rights when receiving disclosures, notices, and information via Integra Credit. By clicking "I Agree," "Next," or "Submit," or other links assenting to our terms, you agree that you received this E-Consent and that you consent to using electronic signatures, records, and disclosures. Additionally, by clicking "I Agree," "Next," or "Submit," or other links assenting to our terms, you consent to conduct transactions by using electronic disclosures, electronic records, and contract documents ("Disclosures").

Option for Paper or Non-Electronic Records. You may obtain a paper copy of any Disclosures by logging into your account at www.integracredit.com and printing a paper copy. You may also e-mail your written request to Integra Credit, at support@integracredit.com. We will provide paper copies at no charge. Integra Credit will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and Integra Credit and includes those interactions engaged in on any computer, electronic device, mobile device, including phones, smart-phones, fax machines, and tablets. Under this E-Consent, Integra Credit will process your information and interact during all online interactions with you electronically. We will also send you notices electronically related to our interactions and transactions.

Consenting to Do Business Electronically. Before you decide to do business electronically with Integra Credit, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape ® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader. If these requirements change while you are maintaining an active relationship with Integra Credit, and the change creates a material risk that you may not be able to receive Disclosures electronically, Integra Credit will notify you of these changes. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send us your written questions regarding the hardware and software requirements by e-mail to Integra Credit at support@integracredit.com.

Withdrawing Consent. You are free to withdraw this E-Consent at any time and at no charge. However, if you withdraw this E-Consent before receiving consumer financial services, this will prevent you from obtaining consumer financial services from us. If at any time you wish to withdraw this E-Consent, you can send us your written request by e-mail to Integra Credit at support@integracredit.com with the details of such request. If you decide to withdraw this E-Consent, the withdrawal will not affect the legal effectiveness, validity, and enforceability of prior electronic Disclosures.

Change to Your Contact Information. You agree to keep us informed of any change in your electronic address or mailing address. You may update such information by logging into your account at www.integracredit.com and providing the updated information. You may also send us your written update by e-mail addressed to support@integracredit.com.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING "I AGREE," "NEXT," OR "SUBMIT," OR OTHER LINKS, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE. Once you give your consent, you can log into your account at www.integracredit.com to access these documents.

CONSENT. BY CLICKING "I AGREE," "NEXT," OR "SUBMIT," OR OTHER LINKS, YOU AGREE TO OUR TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH US ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WE WILL PROVIDE TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE CONSUMER FINANCIAL SERVICES FROM US OVER THE INTERNET.