Consent to the use of Electronic Documents and Signatures

Certain laws require us to provide specific information (“Required Information”) to you “in writing”, which means you have the right to receive that information in paper. Alternatively, we may provide such information to you electronically if we provide this disclosure to you and you consent to receive such information electronically. We also need your general consent to use electronic records and signatures in our relationship with you. If you agree to this Consent, any Communications we provide to you, or that you agree to at our request, may be in electronic form, and we may rely on your electronic signature. Your Consent, while voluntary, is required to join Self Financial, Inc, process your application, make a loan and receive Services from Self Financial, Inc and its Issuing Banks.

In this Consent, “we”, “us”, and “our” refer to Self Financial, Inc. and its affiliates and subsidiaries (collectively, “Self”) and any of Self’s third-party issuing banks (i.e., Lead Bank, Sunrise Bank N.A., SouthState Bank N.A., and First Century Bank N.A. each, an “Issuing Bank”). "You" and "your" refer to the person agreeing to this Consent.

You agree that any of the Communications we provide to you may be in electronic form. For Communications where your signature is required, you agree to allow an electronic signature.

This Consent applies to all Communications. “Communications” means each initial and future disclosure, notice, agreement, billing statement, promotion, offer, or other information we provide to you, or that you sign or submit or agree to at our request, related to any product or service we offer, including without limitation any Self account or membership, credit builder loan and associated account, secured credit card and associated account, unsecured credit card and associated account and any ancillary product or service.

Electronic Communications will be delivered by email or online. Electronic Communications will be delivered at an online location we designate or via e-mail. As a courtesy, we may send you a notice, for example by e-mail or text message, when a Communication is available, but the Communication is delivered regardless of whether we send you a notice. We may establish security procedures you will have to follow to access the online location. We may, in our sole discretion, provide you with any Communication on paper, even if you authorized electronic delivery. We may require any information you provide to us, or any document you sign, to be delivered to us in writing.

You may withdraw your consent to receive Communications electronically at any time by contacting us at Self Financial, Inc., 901 East 6th Street, Suite 400, Austin, TX 78702-3206. You may withdraw your consent directly with Sunrise Bank at: Sunrise Banks, N.A., Attention Self CBA, 200 University Avenue West, Saint Paul, MN 55103, or with Lead Bank at 1801 Main Street, Kansas City, MO 64108 or with SouthState Bank, N.A., Attn Self Servicing Manager, PO Box 118068, N. Charleston, SC 29423 or with First Century Bank, N.A., Attn: Compliance, 1731 N. Elm Street, Commerce, GA 30529. Withdrawing your consent may delay your transactions with us and may result in the termination of your use of or access to certain services. In addition, if we offer a discount now or in the future for conducting business electronically, a withdrawal of consent could result in the removal of any such discount. A withdrawal of your consent to receive electronic Communications will be effective only after we have had a reasonable period of time to process your withdrawal.

It is your responsibility to provide us with accurate and complete e-mail address and other contact information, and to maintain and update promptly any changes in this information. You can update your contact information (such as your email address) through your account dashboard by logging on to the https://www.self.inc website using your username and password. You may also contact Self by phone at (877) 883-0999.

To receive electronic Communications, you must have access to:

• a Current Version of an Internet browser such as Edge, Chrome, or Safari,
• a connection to the Internet,
• a Current Version of a program that accurately reads and displays PDF files, and
• a computer and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.

You must also have an active email address.

We will not send you a paper copy of any Communication unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself by accessing your account at https://www.self.inc website using your username and password and printing a copy for your records. Retaining copies: We encourage you to print or download for your records a copy of all electronic Communications, as well as this Consent and any other document that is important to you.

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, 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.

By giving your Consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account and the ability to access and view PDF files.