Consent to Electronic Communications

SCROLL DOWN AND READ THROUGH CONSENT TO ELECTRONIC COMMUNICATIONS AGREEMENT:

Certain laws and regulations require us to provide notices and disclosures to you in “writing” (traditionally this is defined as a paper notice; with your consent, the E-SIGN Act allows us to provide these documents to you electronically. You must consent to transact business with Big Picture Loans, LLC, a duly licensed Financial Services Licensee of the Lac Vieux Desert Tribal Financial Services Regulatory Authority, an independent regulatory body of the Lac Vieux Desert Band of Lake Superior Chippewa Indians, through electronic communications in order for us to process your loan application. The following terms and conditions govern electronic communications in connection with your loan application, Loan Agreement (if approved) and any communications regarding your account with us (the "Consent").

By checking the indicated box, you are electronically signing this Consent, and are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

You agree that:

Any disclosure, notice, record or other type of information that is provided to you in connection with your transaction with us, including but not limited to, the Loan Agreement, this Consent, the Truth in Lending disclosures set forth in the Loan Agreement, Privacy Policy, Privacy Notice, change-in-terms notices, fee and transaction information, statements, delayed disbursement letters, notices of adverse action, and other applicable notices, brochures and disclosures (collectively, "Communications"), may be sent to you electronically by posting the information at our website, www.BigPictureLoans.com, or by sending it to you by email from us or any vendor contracted through us at any time.

We will not be obligated to provide any Communication to you in paper form unless you specifically request us to do so.

You may obtain a copy of any Communication by contacting us at Support@BigPictureLoans.com or by calling us at 1.800.584.4880.

You agree to provide us with your current email address for Communications. We will use the email address you gave us above to contact you unless you timely notify us of a change. If your email address, telephone number(s), or mailing address changes, you must notify us of your new address/telephone number(s) and/or email address by sending us an email at least five (5) days before the change to ensure that you continue to receive timely Communications about your loan. When sending private information via email, please use encrypted email or other secured method.

In order to receive electronic communications in connection with this transaction, you will need a working connection to the Internet. Your browser must support the Secure Sockets Layer (SSL) protocol and (at least) 128-bit encryption. SSL provides a secure channel to send and receive data over the Internet through HS encryption capabilities. Microsoft Internet Explorer 10 or above, Mozilla Firefox 28 or higher, or equivalent software support this feature. You will also need a printer connected to your computer to print disclosures/notices. To access your electronic documents on a mobile device, you will need: A mobile device with any of the following operating systems: Android or iOS (iPhone); a data plan provided by your wireless carrier and an up-to-date mobile internet browser that is compatible with, and supported by, your operating system (e.g., Chrome or Safari); if you wish to view .pdf files on your mobile device, you will need software that accurately reads and displays .pdf files (such as the mobile version of Adobe Reader);and a printer and/or storage device if you wish to print or retain any electronic documents. To access your electronic documents on a traditional computer, you will need: a computer with any of the following operating systems: Windows 8 or higher, OS X (Apple Macintosh) or higher; an internet connection and an up-to-date internet browser that is compatible with, and supported by, your operating system (e.g., Internet Explorer, Firefox, Google Chrome, or Safari); software that accurately reads and displays .pdf files (such as Adobe Reader); a printer and/or storage device if you wish to print or retain any electronic documents. We are not an Internet Service Provider (“ISP”). You must have your own ISP.

We may amend (add to, delete or change) the terms of this Consent by providing you with advance notice. Continuing the application process or otherwise access our documents electronically after receiving notice of the change is the reaffirmation of your consent to this Consent.

You agree that you are able to view and/or electronically store the information presented at this website. You also agree to print and retain a copy of this Consent for your records.

You are free to withdraw your Consent at any time and at no charge. To withdraw your consent prior to completing your application, simply exit this session prior to accepting this Consent. If you wish to withdraw your Consent after your application was submitted, you can send us your written request by mail to Big Picture Loans, LLC, P.O. Box 704, Watersmeet, MI 49969 with the details of such request, by email at Support@BigPictureLoans.com or by calling us at 1.800.584.4880. If you decide to withdraw your Consent, the legal effectiveness, validity, and enforceability of any prior electronic disclosures and Communications will not be affected, and you will no longer receive the electronic presentment of any documents.

By electronically signing this Consent, you are confirming that: (1) your system meets the requirements set forth above; (2) you agree to receive Communications electronically; and (3) you are able to access and print or store information presented at this website.

YOUR ELECTRONIC SIGNATURE: You acknowledge and agree that when you check the indicated box, you are providing your electronic signature on this document that is fully enforceable against you. By electronically signing this document, you are agreeing to all the terms and conditions set forth in the Consent and certifying that all information you have provided in connection with this transaction is complete and accurate. You agree that your electronic signature shall have the same force and effect, and shall bind you to this Consent in the same manner and to the true extent as a physical signature would do, in accordance the Electronic Signatures in Global and National Commerce Act ("ESIGN") to the extent applicable. You also agree that this Consent and all related documents are electronic records and that, as such, they may be transferred, authenticated, stored, and transmitted by electronic means.

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.