Electronic Communications Policy and Consent

By agreeing to this E-Consent, you agree that we may provide, and you may sign, the following electronically ("Communications"): your credit application and any related authorizations; disclosures and notices required by law, including privacy notices, adverse action notices, and credit score disclosures; agreements, terms, and policies related to our website and your application; and other communications about your application, vehicle purchase, or account. Communications do not include any document that the law requires be delivered on paper.

We may deliver Communications by displaying them on our website during your application, by email to the address you provide, by text message with a link, or by posting them to a web page and notifying you. Communications are considered received when sent or made available to you.

You may request a paper copy of any Communication at no charge by contacting us at (832) 252-1400, Karina@usadirectauto.com, or 421 Little York Rd, Houston, TX 77076 within 90 days of receiving it. Requesting a paper copy does not withdraw your consent.

You may withdraw this consent at any time, free of charge, by contacting us using the information above. Withdrawal takes effect after we have had a reasonable time to process it. If you withdraw consent before submitting your application, we will not be able to process your application online, and you may apply in person at our dealership. Withdrawal does not affect the validity of any Communication provided or signed before withdrawal.

To help us process your request quickly, please be clear and specific when you want to stop receiving calls or text messages. The fastest way is to reply to any text with one of these words: STOP, OPT OUT, UNSUBSCRIBE, CANCEL, END, QUIT, or REVOKE. You may also send a clear request such as "Stop texting me," "Remove me from your list," or "Do not contact me," or call us at (832) 252-1400 or email Karina@usadirectauto.com. Replies such as "not now," "busy," or "call me later" may be treated as a response rather than a request to stop; if your request is unclear, we may ask you to confirm. After you opt out, we may send one message confirming your request. We will honor any reasonable opt-out request, however you make it, within 10 business days.

You agree to notify us promptly of any change to your email address, phone number, or mailing address by contacting us at (832) 252-1400 or Karina@usadirectauto.com.

To access and keep Communications, you need:

• A computer, tablet, or smartphone with an internet connection.
• A current version of Chrome, Safari, Edge, or Firefox with cookies and JavaScript enabled.
• Software that can open PDF files (such as Adobe Acrobat Reader).
• A valid email account.
• The ability to print or save documents to a device.

If these requirements change in a way that creates a material risk you cannot access or keep Communications, we will notify you and you may withdraw consent without charge.

By checking the box and continuing, you confirm that (a) you have read this E-Consent, (b) you can access and keep Communications in the electronic formats described above, as shown by your ability to view this E-Consent, and (c) you consent to receive Communications and sign documents electronically.

Group 1 Auto LLC d/b/a USA Direct Auto, 421 Little York Rd, Houston, TX 77076, (832) 252-1400, Karina@usadirectauto.com.