This Consent to Electronic Communications and Electronic Signatures ("Consent") contains important information about your legal rights. Please read it thoroughly and save a copy. As used in this Consent, "Services" means each and every account, deposit product, credit product, debit card, product or service we offer that you apply for, own, use, administer or access, either now or in the future. The words "we," "us" and "our" refer to Outshine Capital Inc. and its affiliates (collectively, "Outshine") and our bank and other partners through which we provide our Services, and the words "I," "you" and "your" mean each person giving this consent related to Services that you apply for, use or access with or through us. This disclosure covers all of the Services provided by us or through us.

We must provide you with certain communications and disclosures in writing. We may provide this information to you electronically if you agree to this Consent. We also need your consent to use electronic signatures throughout our relationship with you. Because our Services are provided online and we use electronic means to deliver information, you must review and agree to this Consent to obtain and use the Services.

PURPOSE OF CONSENT

By agreeing to this Consent, you agree that we may use electronic delivery to communicate with you regarding your Services we provide. We may provide any or all agreements, disclosures, notices and other information and communications regarding the Services and our relationship with you, and such other products or programs that may be made available to you (collectively, the "Communications") either directly or indirectly on our or our partner’s website or mobile application ("Outshine Partner App"), through a hyperlink provided on our website or in the Outshine Partner App, or, in our sole discretion electronically to the email address or mobile telephone number that you have provided to us.

By agreeing to this Consent, you also agree that we may use electronic signatures and obtain them from you as part of our transactions with you. Communications include, but are not limited, to the following:

·       This Consent and any updates thereto;

·       Agreements, disclosures, notices and other information related to the application for Services, including but not limited to, account agreements, fee schedules or other disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Gramm Leach Bliley Act, Telephone Consumer Protection Act and other applicable federal or state laws and regulations;

·       Disclosures and notices relating to the maintenance or operation of Services including, but not limited to account information, account activity or inactivity, payments made or due, periodic statements, disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Gramm Leach Bliley Act or other applicable federal or state laws and regulations;

·       Any disclosure or notice regarding any fee;

·       Any notice of the addition of new terms and conditions or the deletion or amendment of existing terms and conditions applicable to your Services;

·       Our Privacy Notice and other privacy disclosures;

·       Certain tax statements, notices, and related communications such as annual IRS interest statements; and

·       Certain information or forms that we request from you and ask you to submit electronically.

WITHDRAWING CONSENT

You may withdraw this Consent at any time by contacting us at Outshine Capital Inc., 254 Chapman Rd, Ste 208, Newark, DE 19702. If you withdraw this Consent: (i) we may immediately suspend or terminate any Service you have with us; (ii) you will remain responsible for any amounts that you owe our partner or may come due under any such Service; and (iii) any other obligations you have under any agreements governing such Service will remain in full force and effect.

Any withdrawal of this Consent will be effective only after we have a reasonable period of time to process your withdrawal request. Withdrawal will not affect any Communications we provided to you prior to your withdrawal, and we will send any required further Communications to you in paper form. We will not impose any fee in connection with any withdrawal of this Consent or any Communication provided in paper form.

RETAINING RECORDS

You should save any Communications you receive by printing or downloading them, for example. If you would like a paper copy of any Communication, please make the request by contacting us at the phone number above. We will not charge you for one paper copy of any Communication we have sent to you electronically.

YOUR OBLIGATIONS

Hardware and Software Requirements

To electronically receive, access, and retain the Communications, you must have:

·       a computer or other device, such as a tablet, or mobile phone, with internet access;

·       a widely-used, recent-generation web browser with cookies enabled (for example, Chrome, Safari or Mozilla Firefox);

·       software that permits you to read PDFs (for example, Adobe Reader);

·       a valid email address that you have provided to us in connection with the Services; and

·       a printer, computer hard drive, or other storage device with sufficient space to allow you to store the Communications.

You represent that you have the hardware, software, and email capacities described above, and your ability to access and agree to this Consent demonstrates that you have the necessary hardware and software to receive Communications through our Services.

We will notify you if our hardware or software requirements change in a way that creates a material risk that you would not be able to access or retain Communications. Continuing to use the Services after receiving notice of the change is the reaffirmation of your Consent.

Updating Your Records

You must immediately notify us of any change to your email address, contact information and other information related to this Consent and the Services. You can update this information in the Outshine App or by contacting us at the phone number above.

PROVIDING CONSENT

You acknowledge and agree that this Consent is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the "ESIGN Act"), and that you and we both intend that the ESIGN Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

This Consent does not apply to any Communication that we determine, in our sole discretion, we are required to deliver in paper form under applicable law or you should receive in paper rather than electronic form. We reserve the right, in our sole discretion, to discontinue electronic Communications with you, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law. Your continued use of the Services after we provide such notice is affirmation of your consent to those changes.

You will be asked to acknowledge your acceptance of this Consent before you are able to continue with your application. In doing so, you are providing your affirmative consent to use electronic Communications. By accepting this Consent, you are also confirming that you meet the system requirements described above, that you have demonstrated your ability to receive, retain, and view electronic documents on your device, and that you have a current email address.