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PLEASE READ THIS CAREFULLY

Authorization to obtain your credit report and profile

By clicking submit, you agree and acknowledge that we have your permission to obtain your credit report
and other information from credit bureaus and other third-party information services. As described
below, this information can be used to process your loan application, verify the information you provided
and provide non-personally identifiable information about you. Read this in its entirety.

By checking and clicking on the check box and continuing with the application process, you understand,
accept and authorize Island Finance and / or your representative to obtain my credit and employment
history, and to disclose to any credit reporting agency any the information obtained through any credit
bureau including TransUnion. You also authorize Island Finance to verify the information in your
application, and you agree that Island Finance may communicate with third parties to verify such
information. Island Finance can use a credit report to authenticate your identity, to make credit decisions
and for related purposes. You unequivocally authorize Island Finance to obtain credit reports each time
you apply for a loan, during the processing or closing of a loan, or repeatedly during the term of your loan
in connection with maintenance, monitoring, collection or execution of the same.

Electronic consent agreement (e-Consent)

(Consent regarding the use of signatures, records, disclosures of information and electronic
communications)

Documents and electronic signatures - Consent. Island Finance and its subsidiaries and affiliated
companies (hereinafter, collectively the "Companies", "we", "us") are required by law to provide you with
the disclosure of certain written information, documents and information related to your transactions
with us (the "Required information").

In accordance with Electronic signature regulations and related laws, we may send you, with your consent,
such required information by electronic means, and we may use electronic records and electronic
signatures for your transactions with us. Therefore, please review the terms of this consent agreement
before giving your approval and keep a copy of this consent agreement in your files.

If you do not wish to receive the required Information by electronic means, or do not wish to use
electronic signatures for your transactions with us, you must not accept the terms of this Agreement. If
you do not consent to receive the required information electronically, or do not accept the use of
electronic signatures for your transactions with us, we cannot proceed with the acceptance and
processing of your transaction, and you must visit any Island Finance branch to request a loan.

If you wish to proceed with the application of your loan through the Internet, you must give your consent
to receive the required Information by electronic means before we can provide it electronically. Your
consent will apply to all your transactions with us and to all required Information that we provide or make
available to you. Your consent also allows the general use of electronic records and electronic signatures
in connection with all your transactions with us.
Required information that you will receive electronically. By giving your consent through this Agreement,
you agree that the Companies may provide you with the following Required Information only in electronic
form:

• Any contract, document or disclosure of information required by law or provided by the


Companies, including, among others, disclosures of information regarding loans, documents and
other communications and disclosures of information related to transactions.

Hard copy of the required information at your disposal if requested - Free. If you consent to receive the
required Information electronically, you may also request a hard copy of the Required Information by
calling 800-4388. We will not charge you anything for providing a hard copy of the required Information.
Your consent does not mean that the Companies must provide the required Information electronically,
but that they can do so. The Companies may, if they so decide, provide the required Information in printed
form. The Companies may also require that certain communications of yours be sent to the Companies
on printed paper at a specified address.

Withdrawal of consent. You may withdraw your consent to receive the required Information
electronically, or for the use of electronic signatures or notifications in connection with any future
transaction with us, at any time. We will not charge you anything for withdrawing your consent. If you
decide that you do not wish to receive the required Information by electronic means, or do not wish to
use electronic signatures in connection with future transactions with us, you may withdraw your consent
by calling us at 800-4388.

Update your contact information. If you give your consent to receive the required Information
electronically, we will contact you at the email address you have provided. If you change your email
address, you can give us your new email address by calling us at 800-4388.

Requirements of the computer system to access the required information. To access the required
Information that is provided to you by electronic means, you must have the following:

• A personal computer with access to the Internet and one of the following combinations of
operating system and browser in the network installed in it:

or Internet Explorer 9

or Mozilla Firefox 13

o Safari for Windows v5

o Safari for Mac v5

or Google Chrome 19

Electronic Communications. We may communicate with you by mail, telephone, text message or
electronic / SMS, or email to process your request, to service your account or in connection with
collections, to inform you about financial products and services and with other commercial purposes. THE
BORROWER BY PROVIDING THEIR CONTACT INFORMATION, EXPLICITLY ACKNOWLEDGES AND
ACKNOWLEDGES THAT ISLAND FINANCE MAY CONTACT ANY OF THE TELEPHONE OR ELECTRONIC MAIL
PROVIDED, IN RELATION TO ANY MATTER RELATED TO ITS ACCOUNT AND IN ADDITION TO RECEIVING
PROMOTIONS, OFFERS AND / OR MARKETING PIECES OF OUR PRODUCTS. IT WILL BE THE RESPONSIBILITY
OF THE BORROWER TO UPDATE THE PROVISION OF CONTACT INFORMATION, SO IT RELIEFS COMMCO
FOR THEIR RESPONSIBILITY FOR INFORMATION SENT TO THIRD PARTIES THROUGH ANY OF THE CONTACT
INFORMATION PROVIDED. ADDITIONALLY, ISLAND FINANCE MAY PROVIDE CONTACT INFORMATION FOR
PURCHASE PURPOSES.

Consent: I agree to be bound by the terms of this Consent Agreement and confirm that I have computer
equipment and software that meet the requirements indicated above. I also give my consent to receive
the required Information by electronic means and to use electronic records and signatures in
connection with my transaction or my transactions with the Companies in lieu of printed documents
and handwritten signatures, as well as to receive electronic communications.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

1. Terms of use of all information and services of the Site

The following terms and conditions of use ("Terms of use") will govern your use of this Site. By accessing,
viewing or using any material or content on the Site, you agree that you understand and recognize these
Terms of Use as the legal equivalent of a valid written contract signed between you and the Site Sponsor,
with the same binding legal force, and that you accept these Terms of Use and should be bound by them
legally WITHOUT LIMITATIONS OR QUALIFICATIONS.

If you do not agree with each of the Terms of Use specified here, you will not have permission to use the
Site and you must leave it immediately.

"Site" means and includes each and every one of the websites maintained by any of the Island Finance
family of companies, which includes Island Finance and all its subsidiaries and affiliates.

The terms "we", "us", "our" or "Site Sponsor" mean and include all entities of the Island Finance family of
companies. The term "you" refers to you as an individual and, in the case of a corporation or other
business entity, to that business entity and to you as a person authorized by it and required by the
company to comply with these Terms of Use.

We reserve the right, at our sole discretion, to update or modify these Terms of Use. You agree to accept
notifications of changes and accept the changes to these Terms of Use by posting the Terms of Use or
modified rules therein. Periodically check these Terms of Use to find out about possible changes or
modifications.

You may contact us using the contact information indicated in the last section of these Terms of Use
entitled "Contact Information and Notifications".

2. We are not responsible for any links to content provided by third parties

LINKS WITH OTHER INTERNET WEBSITES THAT PROVIDE THIRD PARTIES ARE OFFERED FOR YOUR
CONVENIENCE AND INFORMATION ONLY. THE CONTENT OF ANY LINKED WEBSITE IS NOT UNDER OUR
CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.

This Site may occasionally contain links to other sites such as advertising banners or hyperlinks that are
not our property or control, but that we offer for your convenience. If you visit a link to another website,
you do so at your own risk, subject to the Terms of Use set out on that website. We reserve the right to
remove a link to another website at any time. The fact that we provide a link to a website does not
necessarily mean that we recommend, authorize or sponsor, or that we are affiliated with the owners or
sponsors of that site.

You cannot link to this Site without our written permission. If you wish to link to this Site, please contact
us using the Contact Information and notifications indicated at the end of these Terms of Use.

3. Electronic consent / Electronic signature

By clicking on a button indicating acceptance or agreement with these Terms of Use, or your continued
use of this Site, you consent, acknowledge and accept the specified conditions of use and the terms and
conditions of any information sent by us to this Site. or through him.

If you request credit with us through this Site or through it, you will also have the option to consent,
acknowledge and accept the receipt of notices, disclosures of information and other important
communications electronically (by email or online) and sign electronically, as established in the electronic
consent agreement that forms part of the application process.

4. Our property rights and restricted use

The content of this Site, including, among others, music, images, icons, text, software, logos, expressions
and ideas, is subject to copyright and is protected by United States and international copyright laws, as
well as by provisions contained in treaties. In addition, the content of this Site is protected by the laws of
patents and trademarks, the laws of privacy and publicity, and various regulations and statutes relating to
communications. You are not authorized to post or transmit to or from this Site any illegal, threatening,
libelous, defamatory, obscene, scandalous, disrespectful, pornographic, immoral or profane material, or
any other content that could generate civil or criminal liability under the law.

The commercial use of this Site or its content beyond the specific use that is authorized here or by our
written authorization is prohibited. You may print a copy of the information contained on this Site for your
personal use, subject to the following: (i) you may not reproduce or distribute the text or graphics to third
parties, nor substantially copy the information on your own server without prior authorization and in
writing from the Site Sponsor; (ii) may not modify the content or perform derivative works thereof; and
(iii) you must retain on all copies all references to copyright, service marks and other proprietary notices.
Such unauthorized use of this website may also violate applicable laws including but not limited to
copyright and patent laws as well as other regulations. Nothing contained in these terms of use grants
intellectual property licenses, collateral impediment, implication or in any other way. The license granted
by this website may be revoked at any time by us with or without notice and with or without cause.

5. We do not allow your use of the trademarks referenced in this Site.

The trademarks, service marks, trade names and logos ("Trademarks") used and presented on this Site
are our registered and unregistered Trademarks owned by the Site Sponsor. Certain trademarks, service
marks and names ("TP Marks") used on this Site are the property of third parties. Except as specified in
the previous section, and notwithstanding any other information contained in this Site, you do not have
permission to use any Trademark or TP Trademark, by implication, legal impediment or otherwise, and
you do not have permission or right to use Brand or TP Mark some without our written authorization. No
Brand may be used in any way, including in hyperlinks, advertisements or advertisements related to the
distribution of materials contained in this Site without our prior written authorization.

6. Our responsibility is limited

While we try to provide correct and timely information on this Site, there could be unintentional, technical
or factual inaccuracies, as well as typographical errors. Moreover, there are certain aspects of the use of
the site, email, your computer or your Internet link that we cannot control. Therefore, we do not
guarantee that the operation of this Site will remain uninterrupted or error-free, and we will not be
responsible for the consequences of any interruption, error or loss. For these reasons, we cannot
guarantee the accuracy, integrity or timeliness of the information, text, graphics, links and other aspects
of this Site, or the privacy of the responses sent to you by email.

Clients and potential clients are invited to communicate with us or with our agents through means other
than the Internet in relation to important personal transactions. However, WE WILL NOT BE LIABLE UNDER
ANY CIRCUMSTANCES FOR ANY SOME, DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL
DAMAGES THAT COULD ARISE IN CONNECTION WITH THIS SITE OR FOR THE USE OR INABILITY TO USE
THIS SITE BY YOU OR ANYONE; OR IN CONNECTION WITH ANY FAILURE IN PERFORMANCE, ERROR,
OMISSION, INTERRUPTION, DEFECT, OR DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR
FAILURE IN THE LINE OR SYSTEM; OR THE DISCLOSURE OF INFORMATION DURING ANSWERS TO YOU BY
E-MAIL OR OTHER ELECTRONIC MEANS; EVEN IF COMMEMLOCO OR ITS REPRESENTATIVES ARE NOTIFIED
OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. Some jurisdictions do not allow the
exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability
will have the maximum limitation allowed by law.

THIS SITE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING,
AMONG OTHERS, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. You
agree that your reliance on the content of this Site in terms of individual prices of stocks, bonds or
securities will be at your own sole risk.

WE ASSUME NO RESPONSIBILITY AND WILL NOT BE RESPONSIBLE FOR ANY VIRUSES THAT MAY INFECT
OR DAMAGE YOUR COMPUTER OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS, USE, OR BROWSE
ON THIS SITE, THE WEB OR DOWNLOAD ANY MATERIAL, DATA, TEXT, IMAGES, VIDEO OR AUDIO OF THIS
SITE OR THE WEB.

WE DO NOT WARRANT THAT YOUR USE OF THE MATERIALS PRESENTED ON THIS SITE WILL NOT INFRINGE
RIGHTS OF THIRD PARTIES OTHER THAN OUR PROPERTY OR OUR AFFILIATES.

We reserve the right to make changes to any content or to the Conditions of use of this Site at any time,
and without prior notice.

7. The information, products and services offered are subject to our acceptance

The information contained on this Site is not provided for distribution or use by persons or entities in
jurisdictions or countries where such distribution or use is not authorized or permitted, or where any
content or transaction on this site is illegal. Users of this Site do so on their own initiative and are
responsible for compliance with local laws. None of the products or services mentioned in this Site
constitutes a contract offer or a credit offer.

This Site may offer general information about the Sponsor of the site and the products and services
offered by the latter or its affiliates. The information contained on the Site does not constitute an offer to
sell or the solicitation of a particular product or service. Some products and services may not be available
in all states, and products and services are generally not available for purchase outside of the United
States. Your eligibility for specific products and services is subject to final determination, restrictions, or
acceptance by us or by the affiliate that issues the product or service.

The Site Sponsor may discontinue or make changes to the information, products, licenses or services
described herein at any time. All updated information is published only on its publication date. The Site
Sponsor assumes no obligation or responsibility to update or amend such information. The Sponsor of the
site reserves the right to terminate any or all offers without prior notice to the user. Further, by offering
information about products or services through this Site, Sponsor does not solicit anyone to use such
information, or such products or services in jurisdictions where providing such information about products
or services is prohibited by law.

8. You authorize us to collect and use information about you

By this means, you authorize the Sponsor of the site to collect joint information that does not identify you
personally in relation to your use of this Site. You also authorize us to use information that personally
identifies you (or others) that you send us to offer you a service that you request.

The Privacy Notice and the Privacy Policy of the Island Finance website are incorporated by reference into
this Agreement. These explain the policy that applies to information that is collected through the Site,
received directly by you or transmitted by third parties or third parties.

9. We do not offer advice or make offers through the website

This Site and the information contained in it do not constitute advice, offer or solicitation of purchase or
sale of financial products, but are merely informative about the possibility of obtaining a loan with us. All
information provided, as well as the approval of a final loan with us, depends on the corroboration of the
information that has been provided through its submission in any of our branches.

10. When providing information on this Site no relationship is established as a client, fiduciary or
professional

We do our best to offer you valuable information on our Site. We also invite you to make personal contact
with us by means other than the Internet. However, the limitations of the Internet do not allow us to
establish a client, fiduciary or professional relationship with you through this Site. Consequently, we
demand that:

YOU ACKNOWLEDGE THAT ANY CLIENT, ADVISORY, TRUST OR PROFESSIONAL RELATIONSHIP BETWEEN
YOU AND THE SPONSOR OF THE SITE IS NOT CREATED, IMPLIED, OR ESTABLISHED, AND THAT YOU ACCEPT
AND UNDERSTAND THAT NO PERSON OR ENTITY PARTICIPATES IN THE PROVISION OF AUDIT SERVICES,
ACCOUNTING, INVESTMENTS, SECURITIES, TAXES, LEGAL ADVICE OR CONSULTING OPINIONS, AND THAT
YOU WILL CONSULT THE CORRESPONDING PROFESSIONALS TO HEAR YOUR OPINIONS AND ADVICE IN
RELATION TO SPECIFIC FACTS, LAWS AND ROLES THAT COULD APPLY TO YOUR PARTICULAR CASE.
We invite you to communicate with us by means other than the Internet regarding critical information by
using the contact information indicated in Section 22 of these Terms of Use.

11. Forum and applicable laws

You hereby agree that any dispute and cause of action arising from the use of this Site shall be aired with
exclusive jurisdiction in the local courts, specifically, in the Courts of Trinidad & Tobago. The applicable
laws will be those of Trinidad & Tobago, without taking into account principles of conflicts of laws.

12. Failure to exercise a right does not constitute a waiver of the right

No failure, omission or delay on the part of the Site Sponsor in exercising one of its rights under this
Agreement shall preclude the exercise of any of the other rights it has under this Agreement.

13. You accept the changes and amendments published on this Site

The Site Sponsor reserves the right to change these Terms of Use, or any content of the Site at any time,
without prior notice and at our sole discretion, by (1) posting a notice of change or new Terms of Use in
our site, or (2) efforts in reasonable commercial activities to notify you by email, if you have provided your
electronic address. Any change to these Terms of Use or the Rules of the site will become effective for
you or for all users of the Site without notice, when posting the modified Terms of Use on this Site, with
or without notice of specific changes. You agree to comply with these Terms of Use and with the Site Rules
occasionally modified by the Site Sponsor, consulting the site to verify possible modifications, whether or
not you have received notice of changes by email or other means. If any modification to these Terms of
Use is unacceptable to you, your only recourse will be to terminate your use of this Site immediately. Your
continued use of this Site after receiving notice of any modification will constitute binding acceptance of
any modification. If there is any contradiction in terms between these Terms of Use and any modification
or subsequent Terms of Use published on this Site, the last publication will prevail.

14. Minors cannot use the Site

No person under the age of 18 may use this Site. We do not deliberately solicit children or children and
ask that anyone under the age of 18 request their parent or responsible adult to contact us. If you are
under 18, we ask that you leave this Site immediately. You agree to notify us immediately of all
information you have about anyone under the age of 18 using this Site, using the contact information and
notifications that appear later.

15. Confidentiality is not guaranteed through the Internet

Even when we try to protect the information you send us, we cannot guarantee that the information that
is sent over the Internet is completely confidential. There are certain aspects related to the use of the
Internet, your computer and your Internet links that we cannot control. Therefore, the transmission of
information to us over the Internet must be done at your risk.

16. Our communications addressed to you

We will answer your questions and inquiries by email if you provide us with an email address. However,
keep in mind that information sent by email may not be completely confidential, not only because of
certain aspects of the electronic transfer, but also because other people or entities may have access to
the computer or email address electronic to which the response is sent. Unless you specifically indicate in
capital letters in your query the following: "DO NOT ANSWER THIS CONSULTATION BY EMAIL", by this
means you accept that the answers to your questions and inquiries are by email, in spite of the risks
inherent to the use of electronic mail

17. The competition cannot use this Site

You declare that you are not a competitor of the site Sponsor in the financial services industry.
Competitors and their employees, agents and contractors may not use this Site for any purpose.
Competitors' employees may make personal use of this site as long as the information is not disclosed to
a competing company, is not used for commercial purposes, or in order to compete with the Site Sponsor.

18. Complete Agreement

These Terms of Use form the entire agreement between you and the Site Sponsor. There are no
agreements, agreements, promises or conditions, verbal or written, express or implied, in relation to the
main subject of these Terms of Use, or in consideration thereof, which are not included here or replaced
by these Terms of use. These Terms of Use may not be modified, canceled or exonerated except by means
of a written instrument signed by authorized representatives of the parties thereof.

19. Termination of service

We reserve the right, at our sole discretion, to terminate, restrict or suspend this Site, the service, access
or information at any time, for any time, and without prior notice or liability.

20. Information to third-party suppliers

Certain material that could be provided on this Site is obtained, prepared and provided independently by
third parties ("the information") that are not affiliated with the Site Sponsor, and the latter is not
responsible for the acts of those third parties. This information is offered free of charge for general
understanding and should not be relied upon to make specific decisions regarding transactions. The Site
Sponsor has not reviewed the information and is not responsible for the accuracy, integrity, reliability or
correct sequence of that information. The information in no way represents the opinion of the Site
Sponsor.

IN NO EVENT SHALL THE SPONSOR OF THE SITE OR OTHER PERSONS TRANSMITTING THE INFORMATION
BE LIABLE TO YOU OR ANY OTHER CONSEQUENTIAL, INCIDENTAL, SPECIAL OR INDIRECT DAMAGES
(INCLUDING, BUT NOT LIMITED TO, LOSS OF PROFITS, COMMERCIAL LOSSES AND DAMAGES WHICH
COULD RESULT FROM INCONVENIENCE, DELAY OR LOSS OF USE OF INFORMATION) EVEN IF YOU HAVE
NOTIFIED THE POSSIBILITY OF SUCH DAMAGES TO OCCUR.

21. Notices

All information, ideas, expressions and documents (excluding non-public personal information) sent to
the Site Sponsor through this Site will be deemed and remain the property of the Site Sponsor, and the
Site will be free to use, for any purpose, the ideas, concepts, knowledge or techniques contained in the
information that a visitor or client provides to the Sponsor of the site through this Site. The Sponsor of the
site will not assume any obligation of confidentiality with respect to the information, ideas, expressions
and/or documents (excluding non-public personal information), except those in which all parties agree in
writing and sign.
22. Contact information and notifications

You can communicate with us using the following information: 800-4388, 159 A Western Main Road St.
James.

All rights reserved throughout the world. No part of this site may be copied or reproduced in any medium
or in any way different from the one set forth herein without the written authorization of Island Finance.

We may change these Terms of Use at any time and update them on this Site and / or in another medium,
as necessary.

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