NOTICE AND CONSENT TO ELECTRONIC RECORDS

CONSENT TO ELECTRONIC DISCLOSURES, SIGNATURES, AND RECORDS

Please read this information carefully and print a copy and retain this information electronically for future reference.

Introduction. You are attempting to enroll for a pre-paid debit card offered by Rapid Financial Solutions and its agents, successors and lawful assigns (collectively “we,” “us” and “our”). To provide services online, we need your consent to use and accept electronic signatures and records. By accepting below, you are (i) acknowledging receipt of this document; (ii) consenting to use electronic signatures; and (iii) consenting to electronic delivery of any disclosure, notice, record or other type of information that is provided to you in connection with your transaction, including, but not limited to: (1) any cardholder agreements and disclosures; (2) the Electronic Funds Transfer Act and Regulation E; (3) the Gramm Leach Bliley Act (GLBA) and the Federal Trade Commission (FTC) Privacy Rule; (4) disclosures required by applicable federal, state or local law or regulation; (5) arbitration agreements; and (6) change-in-term notices, fee and transaction information, statements, receipts, and transaction information (collectively, “Records”), which will be electronically delivered to you via your online account.

Although you are permitted to withdraw your consent at any time, if you withdraw your consent before concluding the registration for the service, this will prevent you from obtaining a card. If at any time you wish to withdraw your consent, you can send your request by following the instructions set forth below in the paragraph entitled “Withdrawing Consent.” If you request copies of non-electronic paper copies of any of the Records, same will be provided to you in a reasonable amount of time. There may be a fee for receiving certain non-electronic paper copies of Records; however, a full list of all fees charged by us are disclosed within our cardholder agreement.

Scope of Consent. By accepting below, your consent and our agreement to conduct this transaction electronically applies to this application, this transaction, and any future applications or transactions, as well as any transactions we arrange on your behalf. By accepting below, we will process your information and interact during this transaction and any future online transaction with you electronically.

Electronic Records. When you provide your consent by accepting below, we will not be obligated to provide any Record to you in paper form unless you specifically request us to do so. You may obtain any Records in non-electronic form by logging into your online account and simply printing a copy. You may also request a non-electronic paper copy of any of the Records by making the request by calling Customer Service at 877-287-2448. There may be a fee for receiving certain non-electronic paper copies of Records; however, a full list of all fees charged by us are disclosed within our cardholder agreement. Your request for non-electronic paper copies may be made at any time.

Withdrawing Consent. You are free to withdraw your consent at any time and at no charge to you. Before submitting your application to enroll in this service, you may withdraw your consent by exiting this website. Thereafter, in order to withdraw your consent, you must call Customer Service at 877-287-2448. If you decide to withdraw your consent, the legal effectiveness, validity and enforceability of prior electronic Records will not be affected. Withdrawing your consent will also close your account.

Note: Any withdrawal of consent will not apply to the Records you sign today. Such withdrawal will only be applicable to future communications and will not affect your obligations agreed to.

Change to Your Contact Information. In order to avoid delay in delivery of the Records, you agree to keep us informed of any change in your electronic or physical mailing address. At least FIVE (5) days prior to the change, you must contact Customer Service by telephone at 877-287-2448. You must promptly notify us of any change in your email and mobile phone number for SMS text messages. You may change the email address and mobile phone on record for you by contacting us at 877-287-2448. If you are unable to receive email updates or your email address becomes invalid for any reason, your access to our products or services may be canceled.

Scope of Consent; Consenting to Do Business Electronically. Before acknowledging, agreeing, and consenting to this notice, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Records electronically, you will need your unique username and password and the following: a PC- or MAC-compatible computer or other device with Internet access and an Internet Browser software program that supports at least 128-bit encryption. You will also need either a printer connected to the computer or device you use to access the Records in order to print and retain the Records, and a secure hard drive or other secure storage device with sufficient space available to save and retain a copy of the Records for future reference. We may amend (add to, delete or change) the terms of this Notice and Consent to Electronic Records by providing you with advance notice. If at any time these hardware and software requirements change in a way that creates a material risk that you may not be able to receive Records electronically, we will notify you of these changes and you will have an opportunity to consent to receiving Records based on the new requirements. If you do not consent at or after that time, your account may be subject to closure. For questions regarding the hardware and software requirements, you may send your written questions by insert phone number mail to: Rapid Financial Solutions, P.O. Box 6425, Logan, UT 84341.

YOUR CONSENT AND ABILITY TO ACCESS RECORDS ELECTRONICALLY. BY ACCEPTING BELOW, YOU ACKNOWLEDGE THAT YOU (1) HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THIS CONSENT; (2) ACKNOWLEDGE THAT YOU CAN ACCESS AND RETAIN THE RECORDS IN THE DESIGNATED FORMATS DESCRIBED ABOVE (ONCE YOU GIVE YOUR CONSENT, YOU CAN LOG INTO THE WEBSITE AND YOUR ONLINE ACCOUNT TO ACCESS THESE DOCUMENTS); (3) ACKNOWLEDGE THAT YOUR CONSENT IS REQUIRED TO OBTAIN RAPID FINANCIAL SOLUTIONS SERVICES OVER THE INTERNET, AND TO OBTAIN A CHANGE Card OVER THE INTERNET; (4) CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DOCUMENTS PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND DOING BUSINESS WITH US ELECTRONICALLY; AND (5) ACKNOWLEDGE THAT YOU MAY REQUEST A NON-ELECTRONIC PAPER COPY OF THE ELECTRONIC RECORDS AND DOCUMENTS, WHICH WILL BE PROVIDED TO YOU WITHIN A REASONABLE AMOUNT OF TIME AT NO CHARGE. IF YOU DO NOT SIGN OR OTHERWISE REFRAIN FROM PROCEEDING WITH THIS TRANSACTION, THEN YOU DO NOT WISH TO USE ELECTRONIC SIGNATURES OR CONDUCT THIS TRANSACTION ELECTRONICALLY.