E-Sign Disclosure

a. E-Sign Consent. MoneyUp Financial, Inc. and their respective affiliates and third-party service providers may provide you with certain communications, notices, agreements, Transaction Account statements, or disclosures in writing (“Communications”) regarding the Transaction Account and Cards. Your agreement to these E-signature and Electronic Disclosure Consent Terms confirms your ability and consent to receive Communications electronically from Bank, Servicer and their respective affiliates and third-party service providers rather than in paper form, and to the use of electronic signatures in our relationship with you (“Consent”). If you choose not to agree to this Consent or you withdraw your consent, you may be restricted from using the Services.

b. Electronic Delivery of Communications. Under this Consent, we may provide all Communications electronically by email, or to the mobile phone number you provided as part of your application for the Transaction Account or Card, or by making them accessible via a Servicer-powered website or mobile application. Communications include (a) agreements and policies required to use the Transaction Account and the Card (e.g. this Agreement, the Bank Privacy Policy, and the Servicer Privacy Policy), (b) the Transaction Account balances and transaction history, and Transaction Account statements, (c) required federal and state documents, and (d) any other written Communications between you and us. We may also use electronic signatures and obtain them from you.

c. System Requirements. To access and retain the electronic Communications, you will need the following:

- A mobile device with Internet or mobile connectivity.
- A recent device operating system that supports text messaging, email, downloading, and applications from the Apple App Store or Google Play store.
- The most recent versions of Apple Safari or Google Chrome on iOS or Google Chrome for Android OS.
- The MoneyUp mobile application.

d. Withdrawal of Consent to Electronic Communications. You may withdraw your Consent to receive electronic Communications at any time, by sending an email to support@getmoneyup.com. However, withdrawal of your consent to receive electronic Communications may result in termination of your access to your Transaction Account. Any withdrawal of your Consent will be effective after a reasonable period of time for processing your request.

e. Updating your Mobile Phone Number or Email. You can change your mobile phone number or email address by emailing support@getmoneyup.com.

f. Telephone Communications. We, Servicer and Program Partner may record or monitor any telephone conversations with you. If we do record, we do not have to keep the recordings, unless applicable law says that we must. When you give us your mobile number, we have yourConsent to contact you at that number about your Card and Transaction Account. Your Consent allows us to use text messaging, artificial or prerecorded voice messages, and automatic dialing technology for informational and service calls, but not for telemarketing or sales calls. This Communication may include contact from companies working on our behalf to service yourTransaction Account. Message and data rates may apply. You may change these texting and messaging preferences by emailing support@getmoneyup.com.

This Agreement is effective 02/2023