You hereby provide your consent ("Consent") to Credit First National Association (“CFNA”, “Us”)
providing you with any information, notices or disclosure and other information, including periodic statements, change in terms notices,
promotional terms and conditions, privacy, new account opening disclosures, and adverse action notices ("Communications") by
electronic means, including in connection with your use of services for an Account that may be available, from time to time, either online
or on a servicing platform ("Service").
Method of Communications
Communications may be posted on the Service, sent to your e-mail address or by other means to which you and we may agree. We may send you an
electronic notice of the availability of a Communication on the Services. However, you agree that you will check the Service regularly for
Communications we may have posted for you.
You understand that anyone who has access to your email, or a password you may have to access the Service, will be able to view our Communications
to you. You agree to notify us promptly if you change your email address.
Manner of Consent
You agree that by giving your Consent through this Service, you demonstrate that you can access information that we may provide to you by posting
electronic Communications on a Service.
How to Withdraw Consent
You must provide your Consent if you want to use Service. You may withdraw your Consent to receive Communications by logging on at cfna.com. Select
"My Profile," click on the "Paperless Settings" link, select "Paperless Settings" and follow the instructions to update
your preferences. For assistance in changing your statement preference, you may also contact CFNA at the address below at any time or by calling toll-free
800.321.3950 to request paper statements and notices. Any withdrawal of your Consent will be effective after we have a reasonable time to act on your request.
Hardware and Software Requirements
For optimal user experience, we recommend using the most current version of Chrome, Firefox, Safari or Microsoft Edge. Please go to the web browser homepage
for further instructions on how to properly upgrade.
You must have the following in order to access and retain Communications:
A browser that supports TLS version 1.2 or higher
An e-mail address that sends and receives messages
Current version of Acrobat Reader (for online statement viewing)
A means to print or electronically store information through your browser software
A personal computer or other device capable of connecting to the Internet that supports the foregoing requirements
of the above software. We strongly recommend you keep your browser and operating system updated to maintain the most current security upgrades.
Upon your request, and at no cost to you, we will send you a paper copy of the Credit Card Agreement or Privacy Notices for the Account, or
any other disclosure required by law, that were provided to you electronically. If you would like to request a paper copy of any of these documents,
please write us at Credit First N.A., P.O. Box 81315 Cleveland, OH 44181-0315.We reserve the right to provide you any Communications regarding your
account in paper format.
Communications in Writing
All Communications in electronic format from us to you will be considered "in writing" and will be given the same legal effect as Communications
delivered in paper format. You should print or download for your records a copy of this Consent and any other Communications you receive electronically
that are important to you.
You acknowledge that by clicking on the "Agree & Submit" or similar button on the Service, you are indicating you understand the Communications
and are indicating your intent to sign the relevant document or record and that this shall constitute your signature.
You agree that your 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 ("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.
We reserve the right to provide you paper copies of any Communication covered by your Consent for any reason, and to change or cease offering our Services.