This E-sign Disclosure and Consent (“E-sign Consent”) applies to all Records and Communications for services provided on the Current website and mobile application. “Records and Communications” includes all communications and mobile application notifications related to the accounts issued by Choice Financial Group, Member FDIC and/or Cross River Bank, Member FDIC through Program Manager Finco Services, Inc dba Current (“Current”), including the services described in the Terms of Service (https://current.com/terms_of_service/) as well as any modification or amendments hereto; any policies, notices or disclosures; and all other information that we may be required to provide to you in writing by law.

a. Records and Communications May be Provided in Electronic Form. You agree that we may provide you with Records and Communications in electronic format. Your consent to receive electronic Records and Communications includes, but is not limited to:

b. Providing Records and Communications in Electronic Form. All Records and Communications to you in electronic form may be provided (i) by email, (ii) by access to a website designated in an email notice from Current to you, or (iii) to the extent permissible by law, by access to a website generally designated in advance for such purpose.

c. How to Withdraw Consent. You may withdraw your consent to receive Records and Communications in electronic form by contacting us in the mobile application or at 1-888-851-1172. Once we process your request to withdraw your consent to receive Records and Communications in electronic form, your access and use of the Current services will terminate. Any withdrawal of your consent to receive electronic Records and Communications will be effective only after we have a reasonable period of time to process your withdrawal.

d. How to Update Your Information. You are responsible to provide us with true, accurate and complete email address, contact and other information related to this E-sign Consent and to Current services and to maintain and update promptly any changes in that information. You can update your information by contacting us in the mobile application or at 1-888-851-1172.

e. Hardware and Software Requirements. In order to access, view and retain electronic Records and Communications that we make available to you, you must have:

f. Requesting Paper Copies. We will send no paper copy of any Records and Communications to you unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of your electronic Records and Communications by printing it yourself or by requesting that we mail you a paper copy. To request a paper copy of any particular Records and Communication be mailed to you, contact us in the mobile application or at 1-888-851-1172. Please make sure to state that you are requesting a paper copy of particular Records and Communications.

g. Records and Communications in Writing. All Records and Communications in electronic or paper format from us to you will be considered “in writing”. You should print or download for your records a copy of this E-sign Consent and any other Records and Communications important to you.

h. Federal Law. You acknowledge and agree that this E-sign Consent is being provided by you in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and Current both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

i. Termination/Changes. Current reserves the right, in our sole discretion, to discontinue the provision of electronic Records and Communications, or to terminate or change the terms and conditions on which we provide electronic Records and Communications. We will provide you with notice of any such termination or change as required by law.

j. Consent. You hereby give your affirmative consent to receive electronic Records and Communications as described in this E-sign Consent. You further agree that your computer or other device satisfies the hardware and software requirements specified above and that you have provided Current with a current email address at which we may send you electronic Records and Communications.

h. Mobile Contact. If you give a mobile phone number directly to us (e.g. as part of the sign-up process), you consent to and agree to accept text/SMS messaging related to the servicing of your account to your mobile phone from us and our agents. For any service related messaging, text messages placed to you by us or our agents, you consent and agree that those messages may be automatically sent. You may incur fees from this contact by your mobile service provider.

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