Electronic Signatures and Communications Consent

Please read this disclosure carefully before consenting. By checking the box below you will provide your affirmative consent to use electronic records and signatures for your membership application and ongoing relationship with Credit Technologies, Inc. ("CTI").

1. Scope of Your Consent

Your consent applies to your entire membership relationship with CTI, not just this application. This includes all notices, disclosures, agreements, addendums, statements, credit report authorizations, electronic signatures, and other records exchanged with CTI electronically — now and for the duration of your membership.

To the extent you sign a Personal Guarantee, Consumer Credit Report Authorization, or FDIC Credit Authorization as a natural person, this consent also applies — in your individual capacity — to (i) electronic delivery of records about you as a consumer (including any FCRA adverse-action notice and any other notice CTI is required by law to provide to you in connection with your guarantor or natural-person signer status), and (ii) your electronic signature on those authorizations. The paper-copy, withdrawal-with-consequences, contact-update, hardware-and-software, and retention provisions in Sections 2 through 7 below apply equally to those consumer-credit records.

2. Your Right to Receive a Paper Copy

You have the right to receive a paper copy of any record that CTI delivers to you electronically. To request a paper copy, email compliance@credittechnologies.com with the subject "Paper Copy Request" and identify the record. CTI will provide paper copies at no charge within ten (10) business days of the request.

3. Your Right to Withdraw Consent

You may withdraw your consent to electronic records and signatures at any time. To withdraw, email compliance@credittechnologies.com with the subject "ESIGN Withdrawal" and include your company name and the email address on file.

Consequences of withdrawal: Withdrawal takes effect upon CTI's receipt of your request and does not affect the validity or legal effect of records you have already signed electronically. Following withdrawal, CTI will transition your account to paper-based procedures, which may take up to thirty (30) days, during which time your ability to access certain CTI services may be limited or suspended. There is no fee to withdraw consent.

4. Procedures to Withdraw Consent

The procedure to withdraw consent is the email request described in Section 3 above. No other procedures are required.

5. Keeping Your Contact Information Current

You agree to promptly notify CTI of any change to your email address or other contact information. To update your contact information, log in to your CTI account portal or email compliance@credittechnologies.com. CTI relies on the contact information you provide to deliver electronic records; CTI is not responsible for failure to receive records due to outdated contact information.

6. Hardware and Software Requirements

Hardware and software requirements to access and retain electronic records include the following:

A current version of a modern web browser (Chrome, Firefox, or Edge);
A valid email address capable of receiving HTML messages;
A PDF viewer such as Adobe Acrobat Reader or equivalent;
Sufficient storage to save or print records you wish to retain;
A device (computer, tablet, or mobile phone) with an active internet connection.

If hardware or software requirements change in a way that materially affects your ability to access or retain records, CTI will notify you and provide an opportunity to withdraw consent without consequence.

7. Record Retention

CTI retains all electronically signed records for no less than seven (7) years from the date of signature, consistent with FCRA Section 607 recordkeeping requirements and NACHA 2.3.2.3 for ACH authorizations.

8. Confirmation of Your Ability to Access Electronic Records

By checking the consent box, you also affirmatively confirm that you are able to access this disclosure in the same electronic form CTI will use to deliver records to you (per the federal Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001(c)(1)(C)(ii)). If you are unable to access this disclosure in electronic form, do not check the box — instead, contact compliance@credittechnologies.com to request a paper-based account-setup process.