eCONSENT POLICY

Effective Date: July 16, 2026

1. Purpose and Scope

This Electronic Consent Policy ("eConsent Policy") explains how TrustBridge Capital™, LLC ("TrustBridge," "we," "our," or "us") provides disclosures, agreements, notices, records, and other communications electronically, and describes your rights and responsibilities when conducting business with us electronically.

By providing your consent, you agree that TrustBridge Capital may provide certain disclosures, agreements, notices, account information, loan documents, and other communications in electronic form rather than in paper form, to the extent permitted by applicable law.

This eConsent Policy applies to your use of our Website, online applications, customer portals, electronic signature platforms, document submission systems, email communications, SMS communications, and any other electronic services offered by or on behalf of TrustBridge Capital.

Nothing contained in this eConsent Policy modifies or supersedes any separately executed loan agreement, commitment, promissory note, mortgage, guaranty, servicing agreement, or other written agreement between you and TrustBridge Capital. In the event of any conflict, the applicable written agreement shall govern.

2. Consent to Conduct Business Electronically

By affirmatively providing your electronic consent, you agree that TrustBridge Capital may provide disclosures, agreements, notices, loan documents, account information, and other records to you electronically rather than in paper form, to the extent permitted by applicable law.

Your consent applies to all electronic communications and records relating to your inquiry, application, loan transaction, account, or other relationship with TrustBridge Capital, unless a particular document is required by law to be delivered in a different manner.

Electronic records may include, without limitation:

• Loan disclosures 
• Loan applications 
• Credit authorizations 
• Notices and acknowledgments 
• Appraisal and valuation documents 
• Closing documents 
• Account notices 
• Payment information 
• Communications regarding your loan or account 
• Any other records or disclosures relating to products or services offered by TrustBridge Capital 

Providing your electronic consent does not obligate you to obtain financing from TrustBridge Capital, nor does it obligate TrustBridge Capital to approve, originate, or fund any transaction.

3. Electronic Signatures

You agree that your electronic signature, electronic acknowledgment, electronic acceptance, or other electronic manifestation of assent shall have the same legal force and effect as an original handwritten signature to the fullest extent permitted by applicable law, including the Electronic Signatures in Global and National Commerce Act ("E-SIGN Act"), the Uniform Electronic Transactions Act ("UETA"), and any other applicable federal or state law.

You agree that TrustBridge Capital may rely upon your electronic signature as evidence of your intent to execute, acknowledge, authorize, or accept any document, disclosure, notice, authorization, or agreement presented electronically.

You further agree that no certification authority or other third-party verification is required to validate your electronic signature unless otherwise required by applicable law or expressly required by TrustBridge Capital.

Electronic records maintained by TrustBridge Capital shall be admissible in any legal, administrative, regulatory, or judicial proceeding to the same extent as paper records maintained in the ordinary course of business.

 4. Withdrawal of Consent

You may withdraw your consent to receive electronic records and communications at any time by contacting TrustBridge Capital using the contact information provided at the end of this eConsent Policy.

Withdrawal of your consent shall apply prospectively only and shall not affect the legal validity, enforceability, or effectiveness of any electronic records, disclosures, notices, agreements, authorizations, or electronic signatures provided or executed prior to the effective date of your withdrawal.

Please note that withdrawing your consent may delay or prevent TrustBridge Capital from providing certain products or services electronically and, in some circumstances, may require the use of paper documents or other communication methods. If electronic delivery is required to complete a particular transaction, withdrawal of consent may prevent TrustBridge Capital from completing that transaction.

TrustBridge Capital reserves the right to terminate electronic communications or require paper-based processing following the withdrawal of your consent where necessary to comply with applicable law or operational requirements.

5. Requesting Paper Copies

Even after providing your electronic consent, you may request paper copies of eligible electronic records by contacting TrustBridge Capital.

TrustBridge Capital may provide paper copies where permitted by applicable law and may decline requests where records are no longer required to be retained, are unavailable, or where electronic delivery is the only legally permissible method.

Unless otherwise disclosed in writing, TrustBridge Capital does not currently charge a fee for providing reasonable requests for paper copies of electronic records. However, TrustBridge Capital reserves the right to establish reasonable fees for excessive, repetitive, or extraordinary requests, to the extent permitted by applicable law.

Requesting paper copies of individual records does not, by itself, withdraw your consent to receive future communications electronically.

6. Hardware and Software Requirements

To access, receive, review, electronically sign, and retain electronic records provided by TrustBridge Capital, you must have:

• A computer, smartphone, tablet, or other internet-enabled device capable of accessing electronic communications. 
• A current version of a supported web browser. 
• A valid and active email address. 
• Access to the Internet. 
• The ability to receive SMS text messages where applicable. 
• Software capable of viewing PDF documents, such as Adobe Acrobat Reader or an equivalent PDF reader. 
• Sufficient storage capacity or access to a printer to retain copies of electronic records for your records. 

You acknowledge that you have the necessary hardware, software, internet access, and technical capability to receive, access, review, print, download, and retain electronic records provided by TrustBridge Capital.

If changes to our hardware or software requirements materially affect your ability to access electronic records, TrustBridge Capital will provide notice as required by applicable law and will provide you with an opportunity to withdraw your consent without penalty where required by law.

7. Updating Your Contact Information

You are solely responsible for maintaining accurate, complete, and current contact information with TrustBridge Capital, including your:

• Email address 
• Mobile telephone number 
• Mailing address 
• Any other contact information used to receive communications from TrustBridge Capital 

You agree to promptly notify TrustBridge Capital of any changes to your contact information. TrustBridge Capital may continue to rely upon the most recent contact information you have provided until you notify us otherwise.

TrustBridge Capital shall not be responsible for any delay, failed delivery, or inability to deliver electronic communications resulting from inaccurate, outdated, incomplete, blocked, filtered, or otherwise unavailable contact information, technical failures, or circumstances beyond our reasonable control.

Updating your contact information does not alter, revoke, or otherwise affect any electronic consent or electronic signature previously provided.

8. Availability and Retention of Electronic Records

TrustBridge Capital may retain electronic records for the period required by applicable law, regulatory requirements, internal record retention policies, contractual obligations, or legitimate business purposes.

You are encouraged to download, print, or otherwise retain copies of important electronic records for your personal files. TrustBridge Capital is not obligated to provide perpetual online access to electronic records after they have been delivered or made available to you.

TrustBridge Capital reserves the right to archive, remove, or discontinue access to electronic records in accordance with its record retention policies and applicable law.

9. Changes to This eConsent Policy

TrustBridge Capital reserves the right to modify, amend, or update this eConsent Policy at any time to reflect changes in applicable law, regulatory requirements, technology, business operations, security practices, or our electronic communication processes.

When revisions are made, the Effective Date at the beginning of this eConsent Policy will be updated. Where required by applicable law, TrustBridge Capital will provide additional notice or obtain any required consent before material changes become effective.

Your continued use of our Website, Services, or electronic communication channels following the effective date of any revised eConsent Policy constitutes your acknowledgment of the updated Policy, except where additional consent is required by applicable law.

Nothing contained in this section limits TrustBridge Capital's ability to implement changes immediately where necessary to comply with applicable law, protect the security or integrity of our systems, respond to cybersecurity threats, or protect the rights, property, or legal interests of TrustBridge Capital.

10. Contact Information

If you have any questions regarding this eConsent Policy, wish to withdraw your electronic consent, request paper copies of eligible records, or update your contact information, please contact TrustBridge Capital using the information below:

TrustBridge Capital™, LLC
307 West 38th Street
16th Floor, Suite 1013
New York, NY 10018

Customer Care
Email: customercare@trustbridgecap.com

Main Office
Phone: 866-980-3863

Legal Department
Email: legal@trustbridgecap.com

Website
www.trustbridgecap.com

TrustBridge Capital will make commercially reasonable efforts to respond to requests within the timeframes required by applicable law.

 Nothing contained in this eConsent Policy modifies, supersedes, amends, or replaces any separately executed loan agreement, promissory note, mortgage, guaranty, commitment letter, broker agreement, servicing agreement, confidentiality agreement, or any other written agreement between you and TrustBridge Capital. In the event of any conflict between this eConsent Policy and a separately executed written agreement, the terms of the applicable written agreement shall govern to the fullest extent permitted by applicable law.