E-sign Consent and Disclosure

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Effective as of July 2, 2019.

By choosing to use the Services from time to time you will receive disclosures, notices, documents and information (collectively, “Communications”) from EC. We can only give you the benefits of our Service through the internet, and therefore we need you to consent to our giving you Communications electronically. This section informs you of your rights when receiving Communications from us electronically. We may discontinue electronic provision of Communications at any time in our sole discretion.

Your consent to this Agreement means that Communications EC provides to you electronically shall have the same meaning and effect as if provided in paper form, regardless of whether you actually view those Communications, unless you have withdrawn your consent as stated below.

Scope of Consent: You are agreeing and consenting to our providing you all Communications in electronic form, including by email, phone call, through the EC mobile application or SMS. This means that we will not provide paper Communications to you unless and until you withdraw your consent as provided below. Your consent to receive Communications and transact business electronically, and our agreement to do so, applies to any transactions to which such Communications relate, whether between you and EC or between you and Oriental Bank or any of our other partners referenced in this Agreement. Your consent will remain in effect for so long as you use the Services and, if you no longer use the Services, the consent will continue until such time as all Communications relevant to transactions that occurred while you were enrolled in the Services user have been made.

Minimum Requirements: You understand that, in order to view and/or retain copies of the Communications, you may need a computer with an internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox); a mobile device (iOS 6.0 or higher devices running Safari or Chrome; Android 4.0 or higher devices running Android Browser or Chrome), a valid email address, a working mobile telephone number that can receive text messages, sufficient storage space to save Communications or the capability to print the Communications from the device on which you view them.

Withdrawing Consent: You may withdraw your consent to receive Communications electronically by contacting us at support.team@earnedcard.com or writing us at: EarnedCard, P.O. Box 609, Niwot, CO 80544. If you withdraw your consent, we reserve the right to terminate your use of the Services and our partners reserve the right to limit or terminate your use of their services, including the EarnedCard. The withdrawal of your consent will not affect the legal validity and enforceability of any outstanding balance on your EarnedCard. You agree to pay any amount owed to EC even if you withdraw your consent and we close or limit access to Services or your access to the EarnedCard or any related account is limited or terminated.

Any Communications will be provided to you electronically through our Site, any mobile application provided by EC or via electronic mail to the email address you provided. If you require paper copies of such Communications, you may sign in to your account on our Site and print the documents desired or you may write to us at the mailing address provided below and a paper copy will be sent to you at a cost of up to $5.00 per document requested.

Updating Records: Please keep us informed of any changes in your email, phone number and mailing address so that you continue to receive all Communications without interruption. To change this information, use the mobile app available through Google Play or the Apple Store. Or email us at support.team@earnedcard.com or write us at: EarnedCard, P.O. Box 609, Niwot, CO 80544.