Electronic Delivery Consent

STX Lending (“we,” “us,” or “our”) may provide certain documents, disclosures, notices, and communications to you electronically during the mortgage loan process. This Electronic Delivery Consent (“Consent”) explains the terms of electronic delivery and your rights under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act).

By consenting to electronic delivery, you agree to receive the documents described below in electronic form instead of paper form. You are not required to consent to electronic delivery as a condition of obtaining a mortgage loan.

1. Scope of Electronic Delivery

With your consent, we may deliver the following types of documents and communications electronically:

• Loan application disclosures — including the initial Loan Estimate (LE) as required under TILA-RESPA Integrated Disclosures (TRID)
• Closing Disclosure (CD) — three business days prior to your scheduled closing date
• Truth in Lending Act (TILA) disclosures — including the Annual Percentage Rate (APR) and finance charges
• RESPA-related documents — including the Servicing Transfer Disclosure, Affiliated Business Arrangement Disclosure, and Settlement Cost Booklet
• Privacy notices — including the Gramm-Leach-Bliley Act (GLBA) Privacy Notice and annual privacy policy updates
• Adverse action notices — if your application is denied or your terms are changed based on credit information
• Account statements and payment reminders — during the servicing period
• Regulatory and legal notices — including changes to terms, conditions, or policies
• General correspondence — including loan status updates, document requests, and informational communications

2. How Electronic Documents Will Be Delivered

Electronic documents may be delivered to you through one or more of the following methods:

• Email — sent to the email address you provided on your loan application
• Secure online portal — accessible through our secure borrower portal after authentication
• Electronic signature platforms — via third-party e-signature services (such as DocuSign or similar platforms) for documents requiring your signature
• Text message (SMS) — for notifications and alerts about document availability (standard message and data rates may apply)

Documents will be provided in Portable Document Format (PDF). You will need Adobe Acrobat Reader or a compatible PDF reader to view, download, and print these documents.

3. Hardware and Software Requirements

To access, view, and retain electronic documents, you will need:

• A computer, tablet, or smartphone with internet access
• A current web browser (e.g., Chrome, Safari, Firefox, Edge) with JavaScript and cookies enabled
• A valid email address capable of receiving attachments
• Adobe Acrobat Reader (version 10.0 or later) or a compatible PDF viewer
• Sufficient storage space to download and save documents, or access to a printer to print documents for your records

If our hardware or software requirements change in a way that creates a material risk you may not be able to access or retain electronic documents, we will notify you of the updated requirements and provide you with the option to withdraw your consent at no charge.

4. Your Right to Paper Copies

You have the right to receive any document in paper form at no additional cost to you. To request a paper copy of any electronically delivered document, contact us at:

• Email: documents@stxlending.com
• Phone: (210) 750-6164
• Mail: STX Lending, 1846 N Loop 1604 W Ste 205, San Antonio, TX 78248

We will mail the requested paper copy to the mailing address on file within 5 business days of receiving your request.

5. Withdrawing Your Consent

You may withdraw your consent to electronic delivery at any time, without charge or penalty, by contacting us via email at documents@stxlending.com or by calling (210) 750-6164.

If you withdraw your consent, we will resume sending documents to you in paper form via U.S. mail to the address on file. Withdrawal of consent will not affect the legal validity or enforceability of any documents previously delivered or signed electronically.

Important: Withdrawing consent to electronic delivery will not affect your mortgage application or loan terms, but may result in delays in document delivery during the loan process.

6. Updating Your Contact Information

It is your responsibility to keep your email address and contact information current. If your email address changes, you must promptly notify us by:

• Emailing documents@stxlending.com with your updated email address
• Calling (210) 750-6164
• Updating your information through our secure borrower portal (if applicable)

Failure to maintain a current email address may result in your inability to receive important loan documents and communications. We are not responsible for delays or failures in delivery caused by outdated contact information.

7. Electronic Signatures

In addition to electronic delivery of documents, you may be asked to sign certain documents electronically. Under the E-SIGN Act and applicable state law, electronic signatures have the same legal force and effect as handwritten signatures on paper documents.

By providing an electronic signature, you acknowledge and agree that:

• Your electronic signature is legally binding
• You intend to sign the document
• You have reviewed the document prior to signing
• You have had the opportunity to download or print a copy for your records

8. Retention of Documents

We recommend that you download or print copies of all electronically delivered documents for your personal records. While we maintain electronic copies of your documents in accordance with our retention policies and regulatory requirements, we cannot guarantee indefinite access to all documents through our online portal.

9. Federal and State Compliance

This Consent and our electronic delivery practices comply with the following federal and state laws:

• E-SIGN Act (15 U.S.C. § 7001 et seq.) — federal law governing electronic signatures and records in commerce
• Uniform Electronic Transactions Act (UETA) — as adopted by the State of Texas (Tex. Bus. & Com. Code § 322.001 et seq.)
• TILA-RESPA Integrated Disclosure Rule (TRID) — permits electronic delivery of Loan Estimates and Closing Disclosures with proper consumer consent
• Gramm-Leach-Bliley Act (GLBA) — permits electronic delivery of privacy notices
• Equal Credit Opportunity Act (ECOA) — permits electronic delivery of adverse action notices with proper consent

10. Contact Us

For questions about electronic delivery, to request paper copies, or to withdraw your consent, please contact: