Electronic Signature Disclosure

1. Consent to Electronic Records and Signatures

This Electronic Signature Disclosure and Consent ("E-Sign Disclosure") applies to all electronic communications, records, and signatures between you and Kala Financial LLC ("we," "us," "our") in connection with our services.

By clicking "Submit," "I Agree," or similar acceptance mechanisms, or by using our services, you consent to:

• Receive all communications, agreements, disclosures, and other documents electronically
• Use electronic signatures to sign documents and agreements
• Conduct business with us electronically

2. Scope of Consent

Your consent applies to the following types of communications and documents:

• Loan applications and related forms
• Service agreements and contracts
• Privacy policies and terms of service
• Account statements and transaction records
• Legal notices and disclosures
• Marketing communications (with separate consent)
• Any other documents related to your relationship with us

3. Hardware and Software Requirements

To access and retain electronic records, you will need:

• A computer or mobile device with internet access
• A current web browser (Chrome, Firefox, Safari, Edge) with JavaScript and cookies enabled
• A valid email address
• Sufficient storage space to save documents or a printer to print them
• PDF viewer software (such as Adobe Acrobat Reader) to view certain documents

4. Legal Effect of Electronic Signatures

Under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and the Uniform Electronic Transactions Act (UETA), electronic signatures and records have the same legal effect, validity, and enforceability as paper signatures and records.

By providing your electronic signature, you acknowledge that:

• Your electronic signature is legally binding
• You have read and understood the documents you are signing
• You intend to be bound by the terms of signed documents
• You authorize us to rely on your electronic signature

5. How to Withdraw Consent

You may withdraw your consent to receive electronic records at any time by:

• Emailing us at esign@kalafinancial.com
• Calling us at (855) 853-6346
• Sending written notice to our address below

Please note that withdrawing consent may affect our ability to provide certain services to you. Withdrawal of consent will not affect the legal validity of electronic records and signatures provided before withdrawal.

6. Requesting Paper Copies

You have the right to receive paper copies of any electronic records. To request paper copies, contact us using the information below. We may charge a reasonable fee for paper copies, which will be disclosed at the time of your request.

7. Updating Your Contact Information

You agree to keep your email address and contact information current. To update your information, please contact us at the address below or through your account settings.

8. Record Retention

We recommend that you print or save copies of all electronic records for your personal records. Electronic records will be made available to you for a reasonable period of time. After that period, records may be archived and available upon request.

9. Security

We employ industry-standard security measures to protect electronic records and signatures, including encryption and secure transmission protocols. However, you are responsible for maintaining the security of your devices and account credentials.

10. Changes to This Disclosure

We may modify this E-Sign Disclosure at any time. We will notify you of material changes by posting an updated version on our website or by direct communication. Your continued use of our services constitutes acceptance of any modifications.

11. Contact Information

For questions about this E-Sign Disclosure or to exercise your rights, please contact us at: