ESIGN DISCLOSURE AND CONSENT

ESIGN Disclosure and Consent

DISCLOSURE AND CONSENT TO USE ELECTRONIC SIGNATURES AND RECORDS

Please read this document carefully. Print a copy for your reference.

1. DEFINITIONS.

As used in this “Disclosure and Consent to Use Electronic Records” (the “Consent”) “Account” means the account you have created on this Curve US, Inc. website to apply and obtain the Curve Credit Card, through us and issued by Hatch Bank. “We,” “us,” and “our” means Curve US Inc.’s Lending Partners.

“You” and “your” means the person giving this consent.

“Online Service” means this Curve US Inc. website where you have created an Account.

“Records” means all documents related to an Account, such as your credit application, your credit card account agreement and other customer agreements, consumer disclosures, privacy policies, and other documents, and all other communication or information related to the Account, including any records we are required by law to provide to you in writing during the term of our business relationship with you.

2. SCOPE OF CONSENT.

By giving your consent, you agree to conduct any Account activity and to receive, view and electronically sign Records from us through the Online Service using either your computer or mobile device. You agree that such electronic signatures will consist of clicking on buttons and/or checking boxes where indicated. You also consent to the use of electronic Records displayed on the computer or device you are using, as well as any Records that we send to you electronically. We may provide Records to you electronically by emailing them to you at your email address, which may include the Records as attachments or as embedded links to a website that we operate and control. Your consent will be effective unless you withdraw it in the manner provided below.

3. HOW TO UPDATE YOUR CONTACT INFORMATION.

You agree to provide us with your accurate personal contact information and to promptly notify us of any changes. If you have a working email address, your personal contact information must include that email address. You can update your contact information (including your email address) by contacting us at support@curve.com.

4. OBTAINING PAPER COPIES.

At any time and without charge, you may obtain free paper copies of your Records from us through the Online Service or by contacting us to request that a free paper copy be mailed to you. The request for a paper copy of a Record will not by itself constitute a withdrawal of your consent to receive Records electronically. We reserve the right, but are not required, to send a paper copy of any Record you authorize us to provide electronically.

5. WITHDRAWING CONSENT.

If you do not consent to the use of electronic signatures and Records, you will not be able to utilize your Account as your Account is available only online. In addition, if you give your consent, but withdraw it before completing your registration, you will not be able to complete your registration. After you have completed your registration, you may at any time withdraw your consent to receive Records electronically through the Online Service or by contacting us at (INSERT) to update your profile information. If you withdraw your consent to use and receive Records electronically after you obtain a credit card account, you will not be able to use the Online Service and it may take longer for us to provide you with information about your credit card account that you request.

We will not impose any fee if you withdraw your consent to receive Records electronically. If you withdraw your consent to receive Records electronically, such withdrawal will not apply to Records that were furnished to you electronically before the date on which the withdrawal of your consent takes effect.

6. HARDWARE AND SOFTWARE REQUIREMENTS.

In order to use electronic signatures and Records you need to have an electronic device with internet access that supports the use of Microsoft Internet Explorer 7.0 or higher, Mozilla Firefox 3.5 or higher, Chrome, Safari 5.0 or higher, or an equivalent. You also need hardware as necessary to support this software, including, without limitation, an electronic device using a Windows 98, NT, 2000, ME XP, Vista or 7 operating system that supports 128-bit encryption, sufficient storage space to save copies of your Records, and a printer if you wish to print paper copies. You will need a program that can view, save and print PDF files (such as Adobe Reader 6.0 or higher). You will also need a working email account to receive, view, sign and print your Records. To verify that you have all of the necessary hardware and software for you to use electronic Records and signatures on your devices, please verify that you were able to read this electronic disclosure and that you also were able to print on paper or electronically save this page for your future reference and access or that you were able to e-mail this document to an address where you will be able to print on paper or save it for your future reference and access. If we ever change the hardware or software requirements in a way that creates a material risk that you will not be able to access or retain a Record that we previously sent you, we will send you notice of the revised requirements.

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