Electronic Signature and Communication Authorization

You are consenting to this Electronic Signature and Communication Authorization ("Authorization") and to receive by electronic means only Communications. You further agree that any action taken by you to manifest consent to this Authorization is the legal equivalent of your physical signature on this Authorization. By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic Communications, and that you have an active email account. You understand that Communications may not be available in any paper or non-electronic form, so if you would like to retain a copy of Communications, you may print or download these Communications. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

The words "we," "us," and "our" means, individually and collectively, Zolve Innovations, Inc., its agents, affiliates, representatives, service providers, assignees and successors and any bank partner or financial institution we partner with to provide you with services, and the words "you" and "your" means you, the individual(s) on whose behalf you may be acting (if any), who has requested services from us or otherwise accesses or uses our services, which includes any service, account or product we offer or will offer. "Communication" means each application, agreement, disclosure, notice, fee schedule, response to claims, statement, privacy policy, record, document, contract and other information or communications we provide to you, or that you sign or submit or agree to at our request, including, but not limited to, any authorization, agreement, disclosure, notice of our decision on your application, or other information or communication related to our services.

The Scope of Communications to Be Provided in Electronic Form

You agree that we may provide you with Communications relating to our services in electronic format, unless and until you withdraw your consent as described below. All electronic Communications shall be considered “in writing” and have the same meaning and effect as if provided in paper form. Your consent to transact with us electronically, including, but not limited to, entering into service terms and/or any and all agreements by and between you and us that relate to our services, as well as any amendments to those terms and agreements.

Method of Providing Communications to You in Electronic Form

All Communications that we provide in electronic form will be provided either

• by e-mail,
• by access to a website designated in an email notice from us,
• through any mobile application (including push notifications) we may make available,
• to the extent permitted by law, by access to a website, or
• in the manner specified in any other agreement we or our affiliates have with you.

How to Withdraw Consent

You may withdraw your consent to receive Communications in electronic form by contacting us at legal@zolve.com. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however, if you withdraw your consent, may terminate your access to any of our services. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.

How to Update Your Records

It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to your use of our services and to maintain and update promptly any changes in this information. You can update such information (such as your e-mail address) by contacting us atlegal@zolve.com.

Hardware and Software Requirements

In order to receive Communications that we make available, you must have the following hardware and software: (

• a computer or mobile device with Internet or mobile connectivity and an operating system,
• a valid email address,
• sufficient storage space to save Communications and the capability to print the Communications from your computer or mobile device,
• a current version of a program that accurately reads and displays Portable Document Format or "PDF" files, such as Adobe® Acrobat Reader® version 8.0 and above, and
• an Internet browser which supports HTML 4.0, SSL encryption and JavaScript (e.g., the latest version of Internet Explorer, Firefox, Chrome or Safari)