Advertising/Marketing Telephone Communications / TCPA Consent

By checking the box ‘YES’ associated with this hyperlink, You agree to give Us Your consent to Advertising/Marketing Telephone Communications/TCPA Consent (“TCPA Consent”) and You thereby authorize Big Picture Loans, LLC and Our Agents to contact You: (1) in any manner (including text messages, robocalls/robotexts, auto-dialed calls, direct drop voice mail service, apps or live chat) at the telephone number(s) You provided in the loan application and Agreement; (2) to provide You with information on special sales or marketing offers, promotions, coupons, or other marketing materials; and (3) any other reason allowed under the Telephone Consumer Protection Act (“TCPA”), and any other lawful purpose (“Messaging”). You further agree to open and review all messages, communications and contacts from Us in a confidential manner to ensure that You are the only recipient. You further understand that this TCPA CONSENT is not required in order to obtain a loan from the Lender. You also understand and agree that You may ONLY withdraw Your TCPA CONSENT in writing by mailing Us at Big Picture Loans, LLC, P.O. Box 704, Watersmeet, MI 49969 or by email at Support@BigPictureLoans.com, or by calling Us at 1.800.584.4880. We will not impose any fee to process the withdrawal of Your TCPA CONSENT. Any withdrawal of Your TCPA CONSENT will be effective only after We have a reasonable period of time to process Your withdrawal.

For the purpose of this section, telephone numbers You authorize Us and Our Agents to text message will include the cellular/mobile telephone You provided Us on the loan application and agreement as well as any other cellular/mobile telephone numbers provided to Us or Our Agents at a later time with Your permission. You agree to pay any fee(s) or charge(s) that You may incur for incoming and outgoing messages from or to Us or Our Agents, without reimbursement from Us or them.

Other Important Terms:

(a) Additionally, You agree that We may send Messaging through Your communication service provider in order to deliver them to You. You agree to provide a valid cellular/mobile telephone number for these Messaging services. You further agree to indemnify, defend, and hold Us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from Your provision of a cellular/mobile telephone number that is not Your own or Your violation of applicable federal, state or local law, regulation, or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. Messaging notifications are provided for Your convenience only.

(b) We will not be liable for losses or damages arising from any delay in delivery or disclosure of account information to third parties by Your communication service provider.

(c) We may modify or terminate Our Messaging services from time to time, for any reason, and without notice, without liability to You, any other user or a third party. Please review the Privacy Notice from time to time so that You are timely notified of any changes. You can do so by bookmarking and visiting the following link where the Privacy Notice is listed and may be amended: https://www.bigpictureloans.com/privacy-notice.

Rev: August 2023

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR A LOAN - To help fight the funding of terrorism and money laundering activities and to comply with Tribal law and the spirit of federal law requiring all financial institutions to obtain, verify and record information that identifies each person who applies for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. we may ask for your driver's license or other identifying documents.

*Big Picture Loans reviews and approves all loans on Tribal land at its office located at E23970 Pow Wow Trail, Watersmeet, MI 49969. If your application is verified and approved we will attempt to send your funds using Real-Time Finding, which can provide instant funding, including on weekends. The exact time your funds appear in your account may vary depending on your bank’s processing times. If your bank does not accept Real-Time Funding, we will automatically send your funds by ACH, which usually posts the next business day (Monday through Friday excluding all federal banking holidays). Big Picture Loans does not charge a fee for Real-Time Funding; check with your banking institution regarding any fees they may charge. Although we work to process applications as quickly as possible, unavoidable delays may occur.

Loan approval and amounts are based on minimum income amounts, other credit criteria, and verification of the information provided during the application process. The Annual Percentage Rate ("APR") may vary based on when your first payment is scheduled, pay frequency, total loan duration, and the amount of your loan. Big Picture Loans, LLC (“Big Picture Loans ®”) will run credit checks on all applications and may review credit information from specialized credit bureaus. Please note submitting a loan application does not mean it was fully approved. If you choose to re-apply for a loan and your circumstances have changed, you may not be approved for the same loan amount.

Big Picture Loans is a wholly owned subsidiary of Tribal Economic Development Holdings, LLC, a wholly owned and operated economic arm and instrumentality of the Lac Vieux Desert Band of Lake Superior Chippewa Indians (“Tribe”), a federally recognized Indian tribe, created for the benefit of the Tribe and operating pursuant to Tribal law. Big Picture Loans is a duly licensed Financial Services Licensee of the Lac Vieux Desert Tribal Financial Services Regulatory Authority, an independent regulatory body of the Tribe, and operates in accordance with the Lac Vieux Desert Band of Lake Superior Chippewa Indians Tribal Consumer Financial Services Regulatory Code, which can be found here: Tribal Consumer Financial Services Regulatory Code.

You can an contact us at support@bigpictureLoans.com or at PO Box 704, Watersmeet, MI 49969-0704. All communications with Big Picture Loans are deemed confidential. Any unauthorized reproduction, distribution, or disclosure is prohibited without Big Picture Loans’ express written consent.

Consumer Notice: Big Picture Loans should be used for short-term financial needs only, not as a long-term financial solution. Individuals with credit difficulties should seek credit counseling. For more information, please see our Financial Wellness page.

If Big Picture Loans approves your loan, it will be governed by Tribal law, applicable federal law and your loan agreement. The laws of your resident state may have interest rate limits and other protective laws that are more favorable. If you wish to have your resident state’s law apply, you should consider taking a loan from a licensed lender in your state. Availability of installment loans are subject to change from time to time as determined by Big Picture Loans. If you have concerns or complaints about your loan, please visit our Tribal Dispute Resolution Procedure page.