Electronic Communications Consent

1. Consent

   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").

2. 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.

3. 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.

4. 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.

5. 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:

   • Access to the Internet and an Internet browser which supports HTML 5.0 and 256bit SSL encryption and JavaScript
   • 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

   JavaScript and Cookies must be enabled on your computer. The above are only recommendations and CFNA does not warrant the safety of the above software. We strongly recommend you keep your browser and operating system updated to maintain the most current security upgrades.

6. Paper Copies

   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.

7. 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.

8. Electronic Signatures

   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.

9. eSign Act

   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.

10. Changes

    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.