E-Sign Consent Agreement

Effective as of March 1, 2024

Consent to Electronic Communication

As used in this E-Sign Consent, “Account” means all accounts, products or services you have with us. The words “we” or “us” or “our” refer to Accrue Money, Inc. (“Accrue”), Cross River Bank, and Accrue’s partners and affiliates. The words “I” or “you” or “your” mean each holder of an Account with or through us. This E-Sign Consent disclosure covers all of your Accounts with or through us.

We would like to communicate with you using electronic means. When you agree to this E-sign Consent Agreement (“Agreement” or “Disclosure”) and tap your acceptance in the Application, this tells us:

• You agree to receive any electronic communication from us for any purpose
• You agree to receive an electronic version of any written notice or disclosures we must send you under law (“Legal Disclosures”). This may include, but is not limited to periodic, annual, monthly or other statements, disclosures, and notices relating to the maintenance or operation of an Account¹
• You agree that we may use electronic signatures and obtain them from you as part of our transactions with you
• You understand that to receive Legal Disclosures, you must meet the requirements specified under Technology Requirements below

When we send electronic communication (including a Legal Disclosure) subject to applicable law, it may come in the form of the following:

• An update to the Accrue website or within the Accrue App
• As an email, text, or communication on social media
• As a notification on mobile, tablet, or wearable devices
• Through other electronic means

We may also send notices to you by mail to any postal address that you have provided to us. All notices by any of these methods will be considered to be received by you no later than the earlier of when received or posted, or 24 hours after sent, except for notice by postal mail, which will be deemed received by you no later than the earlier of when received or three (3) business days after it is mailed.

¹ Examples of Account notices include, but are not limited to account information, account activity or inactivity, payments made or due, periodic statements, disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Gramm Leach Bliley Act or other applicable federal or state laws and regulations.

Providing Consent

You acknowledge and agree that this 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 (the “E-SIGN Act”), and that you and we both intend that the E-SIGN Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

This Consent does not apply to any Communication that we determine, in our sole discretion, we are required to deliver in paper form under applicable law or you should receive in paper rather than electronic form. We reserve the right, in our sole discretion, to discontinue electronic Communications with you, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law. Your continued use of the Services after we provide such notice is affirmation of your consent to those changes.

You will be asked to acknowledge your acceptance of this Consent before you are able to continue with your application. In doing so, you are providing your affirmative consent to use electronic Communications. By accepting this Consent, you are also confirming that you meet the system requirements described below, that you have demonstrated your ability to receive, retain, and view electronic documents on your device, and that you have a current email address.

Technology Requirements

In order to receive electronic communications, including Legal Disclosures, you must have:

• A computer or mobile device with an internet connection.
• Mobile device running Android or iOS with a screen size of 5.4 inches or larger.
  • The current or immediately preceding major versions of iOS and Android.
• Web browser with 128-bit encryption and cookies enabled:
  • Safari (current version)
  • Chrome (current version)
  • Firefox (current version)
  • Microsoft Edge (current version)
• A valid email address.
• A valid phone number.
• Sufficient storage space to save Legal Disclosures.
• An installed printer (if printing Legal Disclosures is preferred).
• The ability to view and retain Portable Document Format (PDF) files.

We may change these requirements, but we will notify you promptly of any material changes.

Paper Versions

If you would like a paper copy of any Legal Disclosure we send you, please contact us at [email protected] or 1(844)918-3672 and we will mail one to you at no cost.

Withdrawing Consent

If you would like to withdraw your Consent to receive Communications in electronic form, you can tell us at any time by emailing [email protected]. If you withdraw your consent, (i) we may immediately suspend or terminate any Account with us, (ii) you will remain responsible for any amounts that you owe us or may come due under any such Account, and (iii) the legal validity and enforceability of prior communication delivered in electronic form will remain in full force and effect.

Any withdrawal of this Consent will be effective only after we have a reasonable period of time to process your withdrawal request. Withdrawal will not affect any Communications we provided to you prior to your withdrawal, and we will send any required further Communications to you in paper form. We will not impose any fee in connection with any withdrawal of this Consent or any Communication provided in paper form.

Updating Your Records

You must immediately notify us of any change to your email address, contact information and other information related to this Consent and your Account. You can update this information in the Accrue App or by contacting us at the email address or phone number listed above.

Saving and Reviewing this Consent

The Agreement can be printed and saved for your records.

How to Contact Us Regarding Electronic Disclosures

You can contact us via email at [email protected] or by calling Customer Support at 1-844-9158-3672. You may also reach us in writing to us at the following address: 80 8th Avenue, Suite 500 New York, NY 10011