ELECTRONIC COMMUNICATIONS DISCLOSURE

Equitable Mortgage & Realty Inc dba Equitable Lending
Website: www.EquitableUSA.com
Phone: (877) 885-0111
Email: info@equitableusa.com
Address: 2824 South Robertson Boulevard, Los Angeles, CA 90034
NMLS: 1124483 | DRE: 01941713

1. Consent to Electronic Communications

By using our website, applying for a loan, or otherwise engaging with Equitable Mortgage & Realty Inc dba Equitable Lending, you consent to receive all disclosures, agreements, records, notices, and other communications electronically. These communications may include but are not limited to:

• Loan disclosures and agreements

• Privacy policies and regulatory notices

• Transaction confirmations and account statements

• Marketing and promotional messages

2. Methods of Communication

We may provide electronic communications via email, text messages (SMS/MMS), website notifications, and other digital platforms. You agree that all electronic communications satisfy any legal requirement that such communications be in writing.

3. Hardware and Software Requirements

To access and retain electronic communications, you must have:

• A device with internet access (computer, smartphone, or tablet)

• A web browser that supports secure connections

• A valid email address

• A PDF reader to view documents (such as Adobe Acrobat Reader)

4. Withdrawing Consent

You may withdraw your consent to receive electronic communications at any time by contacting us at info@equitableusa.com or calling (877) 885-0111. If you withdraw consent, we may need to communicate with you via paper mail, which may result in service delays. Withdrawal of consent does not affect the legality of any previously received electronic communications.

5. Updating Contact Information

It is your responsibility to keep your contact details current. You can update your email address, phone number, or mailing address by contacting us at info@equitableusa.com or calling (877) 885-0111.

6. TCPA Consent & SMS Communications

By providing your phone number and submitting a request, you expressly consent to receive calls and text messages from Equitable Mortgage & Realty Inc dba Equitable Lending, including through automated dialing systems and prerecorded messages, for informational, marketing, or transactional purposes. Standard message and data rates may apply. You may opt out at any time by replying "STOP" to any message or contacting us directly.

7. Compliance with Federal and State Laws

We comply with all applicable federal and state regulations, including the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and the Telephone Consumer Protection Act (TCPA). By consenting to electronic communications, you acknowledge that such consent is legally binding and equivalent to a physical signature.

8. Security and Confidentiality

We take reasonable measures to protect the security and confidentiality of your electronic communications. However, we cannot guarantee that electronic transmissions will always be secure or free from interception. You are responsible for ensuring that your devices and communication channels are secure.

9. Changes to This Disclosure

We reserve the right to update or modify this Electronic Communications Disclosure at any time. Any changes will be posted on our website, and your continued use of our services constitutes acceptance of such changes.

Contact Us If you have any questions about this Electronic Communications Disclosure, please contact us at:

Equitable Mortgage & Realty Inc dba Equitable Lending
Phone: (877) 885-0111
Email: info@equitableusa.com
Address: 2824 South Robertson Boulevard, Los Angeles, CA 90034