Introduction. You are seeking for services from the Company identified above (“we,” “us,” “our,” or “Own.lease Inc.”). Own.lease Inc. provides various consumer lease-to-own and rent-to-own related services. To provide these services, we need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”). This E-Consent tells you about your rights when receiving or giving electronic disclosures, notices and information, and communications. By [physically signing below] or by clicking [“Sign-up,” “I Agree,” “Next,” or “Submit,”] on our website or electronic communications, by emailing or texting with us, or by clicking other links assenting to our terms, you agree to the terms of this E-Consent. By doing so, you further consent to conducting transactions electronically and consent to Own.lease Inc. using electronic signatures, records, notices, and disclosures (collectively “Disclosures”). You acknowledge that Disclosures may include notices under federal or state law, or other information.

Option for Paper or Non-Electronic Records. You may request a paper copy of any Disclosures provided electronically by [writing to request / logging in and printing/ _________] a paper copy. We will provide reasonable access to paper copies at no charge. We will retain all Disclosures as required by law.

Scope of Consent. This E-Consent applies to all Disclosures. It applies to our transactions and interactions with you, including those on any computer, electronic or mobile device, including phones, smart-phones, fax machines, and tablets. By using this E-Consent, we may in our discretion, process your information, interact with you electronically, store your Disclosures electronically, and send you any notices, including any Disclosures, electronically.

Consenting to Do Business Electronically. Before you decide to do business electronically with us, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the computer software and hardware described in this paragraph. [Your browser must support the Secure Sockets Layer (SSL) protocol. Netscape 4.7+ and above and Microsoft Internet Explorer 5.01+ and above. You will also need a connected printer to print Disclosures. We do not provide ISP services. You must have your own Internet Service Provider]. You may also need document management and storage for [Adobe PDF and Microsoft Word] for some Disclosures. If these requirements change while you have an active relationship with us, and the change creates a material risk that you may not be able to receive Disclosures electronically, we will notify you. You may need your own [secure UBS Storage Device, Secure Cloud -Based Service,] or a long-term storage device to keep a copy of the Disclosures.

Withdrawing Consent. You may withdraw this E-Consent at no charge. If you withdraw this E-Consent before receiving our services, this may prevent you from receiving some services from us. To withdraw this E-Consent, you can send us a request by email to our Email Address above, or mailing address above. If you withdraw this E-Consent, the withdrawal will not affect the legal effectiveness, validity, and enforceability of prior electronic Disclosures.

Contacting Us. To request paper copies of Disclosures, ask questions about hardware or software, withdraw your consent, or change your contact information, contact us using our email address above. You agree to notify us of new information about you with at least 5 days advance notice. If you have not timely notified us of a change, you agree that we may use your information on top of this Consent, as your contact information.

Email and Cell Phone Consent. You consent to us texting and emailing you information including electronic signatures, disclosures, and records relating to your transaction or relationship with us.

Your Ability to Access Disclosures. You agree that you can access the Disclosures in the formats described. Once you consent, you can [log-in to the website | https://own.lease] to access the Disclosures. [You acknowledge that you can access the disclosures by visiting the location in which you received our services, by viewing electronic or physical copies during our regular business hours.]

Transferable Records. Unless otherwise expressly provided in a subsequent agreement with us, any agreement you sign with us is not intended to be a “negotiable instrument” as defined in the applicable Uniform Commercial Code and is not governed by Article 3 of the applicable Uniform Commercial Code. Our agreements with you are “transferable records” to the extent permitted and as defined by applicable law relating to electronic transactions. If an agreement with us is finally interpreted by a court of law not to be a “transferable record” under applicable law, then the electronic chattel paper provisions of Article 9 of the applicable Uniform Commercial Code shall apply to the agreement. The electronic copy of the agreement in the document management system we use to store the agreement will be the single authoritative copy. The holder of the agreement (as identified in the document management system used to store the agreement) may assign and transfer the registration of the agreement to an Assignee, and the Assignee will be the new holder, in accordance with the transferable record provisions of applicable law or the electronic chattel paper provisions of Article 9 of the applicable UCC.

Governing Law. Vermont law governs this Agreement, except that the Federal Arbitration Act governs the Jury Trial Waiver and Arbitration Clause.

Consent. By signing below including by clicking [“I Agree,” “Next,”] or other links, you assent to these terms. You agree that you have read this information. You consent to electronic signatures, disclosure, records, and transacting electronically.

You Are Accessing Electronic Records in Electronic Format. You acknowledge that you are accessing electronic records in the relevant electronic format.]

You Have Access to a Device and Internet to Review Disclosures. You acknowledge that you can use your own device and Internet.

Your Ability to Receive Disclosures by Email and Text. By providing your email address, cell phone, or both above, you consent to receive disclosures from us. You are also demonstrating your ability to access information we send using file formats like HTML, PDF, and .docx. You agree that you have the ability to open each of these formats: [Insert sample file types]

Notice about Important Disclosures Made Available by Email and Text. We may send you emails and deliver important information to you or making that important information available to you at a secure location and alerting you to their availability. If we send you a message indicating that an important disclosure is available to you, you agree that sending you such message constitutes delivery of that disclosure.

By Confirming Consent Electronically, You’re Confirming You Can Access Information. By agreeing [electronically] below, you’re confirming that you can access electronic disclosures online.

You are Not Required to Transact Electronically. You are not required to accept electronic disclosures or other records. If you are not actually able to access disclosures electronically, check “no” below.

Please electronically sign one option below selecting your choice:

     □Yes, I Agree to the E-Sign Consent                                 □No, I prefer to transact in paper

Customer Signature: _________________________________

Date: ___________________________

Please read this information carefully and print or save a copy of this information.