DigniFi
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WebBank DigniFi

Credit Card Account Customer Agreement ("Agreement")

Pricing Information

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

APR for Cash Advances

27.99%

27.99%

Paying Interest

Minimum Interest Charge

For Credit Card Tips from the Consumer Financial Protection
Bureau

Fees

Annual Fee

Cash Advance Fee

Penalty Fees

Your due date is at least 25 days after the
close of each Billing Cycle. We will not charge
you interest on Regular Credit Plan Purchases
if you pay your entire Regular Credit Plan
balance and the Minimum Payment due on all
Promotional Credit Plans by the due date each
month. We will begin charging interest, if any,
on Promotional Credit Plan Purchases on the
transaction date.  Cash Advances will be
treated as Regular Credit Plan Purchases.

If you are charged interest, the charge will be
no less than $2.00.

To learn more about factors to consider
when applying for or using a credit card,
visit the website of the Consumer Financial
Protection Bureau at
http://www.consumerfinance.gov/learnmore.

$0.00

Either $10 or  4% of the amount of each cash
advance, whichever is greater. The Cash
Advance fee will be waived for any Cash
Advance paid directly to a participating Dealer.

Late Payment - Up to $39.00
Returned Payment - Up to $39.00

How We Calculate Your Balance.  We use a method called “average daily balance (excluding new Regular Credit Plan
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Purchases).” If your Account is subject to a grace period during the billing cycle, payments made during that billing
cycle will be subtracted from your daily balances during that cycle. For additional information, see the “Interest
Charges” section of the Agreement.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the
“Your Billing Rights” section of this Agreement.

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Important Information

About Procedures for Opening a New Account

Arbitration

Unless you are a Military Lending Act Covered Borrower, this WebBank DigniFi Credit Card Account
Customer Agreement contains an Arbitration Provision. The Arbitration Provision is contained in Section
44. Please read the Arbitration Provision carefully. Unles you send us the rejection notice described in
the Arbitration Provision, the Arbitration Provision will apply to you.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial
institutions to obtain, verify, and record information that identifies each person who opens an account. What this means
for you: When you open an account, we will ask for your name, address, date of birth, and other information that will
allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Important Information About Credit Reporting

We may report information about your Account to credit bureaus.  Late payments, missed payments, or other defaults
on your Account may be reflected in your credit report.

State Specific Information

NOTICE FOR CALIFORNIA RESIDENTS: Applicants may, after credit approval, use the credit card account up to its
credit limit and be liable for amounts extended under the plan to any joint applicant. If you are married, you may apply
for credit in your own name.

NOTICE FOR OHIO RESIDENTS: Ohio anti-discrimination laws require creditors to make credit equally available to all
creditworthy customers and that credit reporting agencies maintain separate credit histories on individuals upon
request. The Ohio Civil Rights Commission administers these laws.

NOTICE FOR NEW YORK AND VERMONT RESIDENTS: WebBank may obtain at any time your credit reports, for
any legitimate purpose associated with the account or the application or request for an account, including but not
limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be informed if such
a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the

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a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the
report.

NOTICE FOR NEW YORK RESIDENTS:  New York residents may contact the New York State Department of Financial
Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods.
New York State Department of Financial Services: 1-877-226-5697 or http://www.dfs.ny.gov.

NOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision of any marital agreement, unilateral statement, or
court order applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is
granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of
the provision.  If you are married, by submitting your credit card application you are confirming that this credit card
obligation is being incurred in the interest of your marriage and your family. If the credit card for which you are applying
is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been
extended to you.

NOTICE FOR DELAWARE RESIDENTS: Service charges not in excess of those permitted by law will be charged on
the outstanding balances from month to month.

PROGRAM TERMS: By applying for this Account issued by WebBank you understand that you may not be approved if
you do not meet WebBank’s credit criteria and other criteria, including but not limited to:

You are under the age of 18 on the date you submit your application for credit.
You reside in a state where financing is not offered under this Program.
Your name, address and social security number do not match an existing credit bureau file.
The application is missing required information, or the information you provide cannot be verified

All credit is granted and all Accounts are owned by WebBank.  This Account is subject to approval by
WebBank.

WebBank
DigniFi Credit Card Account Customer Agreement

Section 1. Credit Card Account Agreement

This WebBank DigniFi Credit Card Account Customer Agreement (“Agreement”) is between you and WebBank, a Utah-
chartered, FDIC insured bank having its principal office in Salt Lake City, UT. There are two parts to this Agreement:
WebBank DigniFi Credit Card Account Pricing Information and the WebBank DigniFi Credit Card Account Customer
Agreement. WebBank will open an Account and issue a Card or Cards that may only be used for auto repairs and auto-
related products and services at approved service centers.  By opening your Account, signing your Card or using your
Account, you agree to the terms of the Agreement with WebBank including any changes, amendments or supplements
to it.

Section 2. Definitions.

The meanings of the capitalized terms used in the Agreement appear in the “Glossary” (Section 42 of this Agreement).

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As used here, “you” and “your” mean each applicant and co-applicant approved on the Account; any person responsible
for paying the Account; any Authorized User; and any person responsible for complying with this Agreement. “We,”
“us,” “our,” and “WebBank” mean WebBank.

Section 3. Account Documents.

The following documents govern your Account with us:

1.  this Agreement;
2.  all Statements;
3.  any privacy Notices;
4.  all disclosures and materials provided to you before or when you opened you Account;
5.  any other documents and disclosures relating to your Account, such as those provided during the application

process at the dealer and when you use your Account including those regarding Promotional Credit Plans; and

6.  any future changes we make to any of the above.

Please read all of these carefully and keep them for future reference.

Section 4. Account Information.

We need information about you to approve and manage your Account. This includes the information requested on your
application. You agree to tell us when this information changes and respond to our requests for information or additional
documents to verify any information. We may restrict or close your Account if we cannot verify your information, or if
you do not provide it as requested.

Section 5. Use and Sharing of Information About You.

When you applied for an Account, you gave us, DigniFi and our/their affiliates information about yourself that we could
share with each other. DigniFi and its affiliates will use the information in connection with the credit program and for
things like creating and updating its records and offering you special benefits.  More information about how we use and
share information is set forth in the Privacy Notices for your Account which you receive with your application package.

Section 6. Credit Limits.

When you open your Account, we will tell you your credit limit. This will also appear on your Statement. We may also
refer to your credit limit as your credit line.

You are responsible for keeping track of your balance and your available credit. You must manage your Account to
remain below your credit limit. We may honor transactions above your credit limit, but if we do these transactions will
not increase your credit limit. You are responsible for paying for any transaction you make above your credit limit.

We may also increase, decrease, restrict or cancel your credit limit at any time in accordance with applicable law. This
will not affect your obligation to pay us.

Section 7. Using Your Account.

1.  This Agreement applies, whether or not you use your Card or Account. It will continue to apply even after your

Account is closed, as long as you have a balance.

2.  You must return the Card to us or destroy it if we ask you to.
3.  You must take reasonable steps to prevent the unauthorized use of your Card and Account.
4.  We may decline to authorize a transaction for any reason. This may occur even if the transaction would not

cause you to go over your credit limit or your Account is not in default.

5.  We are not responsible for any losses you incur if we do not authorize a transaction.

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6.  We are not responsible for any losses you incur if anyone refuses to accept your Card for any reason.
7.  You must not use, or try to use, the Card for any illegal activity. You are responsible for any charges if you do.
8.  We are not liable for any losses that may result when our services are unavailable due to reasons beyond our

control.

Section 8. Promotional Credit Plans.

From time to time, we may offer one or more Promotional Credit Plans for certain transactions prior to or at the time of
your Purchase. The terms of this Agreement apply to Promotional Credit Plans. However, the terms of the promotional
offer and the special Promotional Credit Plan may be different from the standard terms of your Account and will be
explained in other materials and disclosures provided to you in that offer. In general, Interest Charges for Promotional
Credit Plans begin to accrue from the date of the promotional Purchase until paid in full, and there is no grace period to
avoid Interest Charges on Promotional Credit Plans. You accept the promotional terms of those materials and
disclosures when you make the Purchase. Only certain Purchases may be eligible for Promotional Credit Plans. The
amount of your credit limit available for Promotional Credit Plans may be limited. Offers are subject to credit approval.
These plans may have special interest terms, special repayment terms (including minimum payments) and a limited or
specified promotion period when the special promotional terms apply. Unless otherwise specified with respect to a
Promotional Credit Plan, upon termination or expiration of the promotion period your Promotional Credit Plan terms will
end, and all Regular Credit Plan terms will apply.  Unless otherwise provided in the materials and disclosures provided
to you at the time you make your Purchase, only Purchases of $350.00 or more will be eligible for Promotional Credit
Plans.  Special Promotional Credit Plans are not available at all times for all Purchases of $350.00 or more. Regular
Purchases that are not subject to Promotional Credit Plan terms are part of your Regular Credit Plan.  Please see any
special promotional materials or disclosures for additional terms that will apply to the promotion offered.

Section 9. Deferred Interest Promotions.

From time to time, we may offer you the opportunity to enter into promotions that defer interest.  This will be treated as
a special Promotional Credit Plan. When you make a Purchase under a deferred interest promotion, it will be identified
separately on your Statements. Each Statement will contain a summary of all deferred transactions, including the
unpaid principal balances, any accrued or assessed interest charges and the dates until which payments or interest
charges are deferred. The special deferral terms apply to a transaction for a specified period of time, which we will call
the “Deferral Period”. Following your consummation of a deferred transaction deferred transaction, the Deferral Period
will be disclosed to you. These special promotions are made available at our discretion, are subject to credit approval,
are not available for all transactions and cannot be changed by customer request.

You must make minimum monthly payments on the deferred transactions during the Deferral Period. If you pay the
entire deferred transaction in full on or before the last day of the Deferral Period, you pay no interest in connection with
your deferred transaction. However, interest on the deferred transaction will be charged to your Account at the monthly
periodic rate in effect each month from the date of transaction if the deferred transaction balance is not paid in full by
the last day of the Deferral Period. During the Deferral Period, we include your deferred transaction(s) when we
calculate your minimum monthly payment and for purposes of determining your available credit.

Section 10. Cash Advances.

You may use your Account to obtain Cash Advances if your Account: (i) is not past due; and (ii) you have available
credit for Cash Advances, and their related Cash Advance Fees. Your total Cash Advance balance is subject to a
maximum balance limit of $2,000. You may request a Cash Advance only through the DigniFi customer portal. If
qualified, you can choose to have your cash advance deposited directly into your bank account or paid directly to a
participating Dealer for convenience. Cash Advances deposited to your bank account are conditional on our ability to
verify your bank information. If we are unable to verify your bank account, you will not be eligible to receive the Cash
Advance. Cash Advances will be treated as Regular Credit Plan Purchases.

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Section 11. Reserved.

Section 12. Joint Accounts.

If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is
responsible even if the Account is used by only one of you. You will continue to be liable for the entire balance of the
Account, even if your joint accountholder is ordered by a court to pay us. Your Account status will be reported to the
credit bureau under each of your names. The delivery of notices or Statements to either of you serves as delivery to
each of you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such
instructions.

Section 13. Authorized Users.

If you ask us to issue a Card to any person other than a joint account holder, they are an Authorized User. We may
require certain information about them and you should let them know that you are sharing their information with us. We
may limit their ability to use your Card. They may have access to certain information about your Account. You will be
responsible for their use of the Account and anyone else they allow to use your Account, even if you did not want, or
agree to, that use. We may report information about your Authorized User(s) to consumer reporting agencies. See the
“Credit Reports” section of this Agreement.

Section 14. Removing an Authorized User.

If you want to remove an Authorized User from your Account, you must contact Customer Service at 1-844-334-5107
and request their removal. You also must immediately destroy all Cards in their possession and cancel any
arrangements they may have set up on your Account. They will be able to use your Account until you have notified us
that you are removing them from your Account. During this time, you will still be responsible for all amounts they
charge to your Account. You will be responsible even if these amounts do not appear on your Account until later.

Section 15. Your Promise to Pay.

You promise to pay us all amounts due on your Account. This includes amounts where you did not sign a Purchase
slip or other documents for the transaction. We will treat transactions made without presenting your Card (such as for
mail, telephone, Internet, or mobile device Purchases) the same as if you used the Card in person. If you let someone
else use your Card or Account, you are responsible for all transactions that person makes.

Section 16. Statements.

We will send or make available to you one Statement for your Account at the end of each Billing Cycle. You must
notify us at P.O. Box 84010, Sioux Falls, SD 57118 or 1-844-334-5107 of a change in your address. Under certain
circumstances, the law may not require us to send or make available to you a Statement or may prohibit us from doing
so. In such circumstances, we may continue to add interest and fees as permitted by law.

Section 17. Disputed Transactions.

You should inspect each Statement you receive and tell us about any errors or questions you have, as described in the
“Billing Rights Summary” on your Statement and in this Agreement.

If we credit your Account for all or part of a disputed transaction, you give us all of your rights against others regarding
that transaction. You will also:

1.  give us any information about the disputed transaction, if we ask;
2.  not pursue (or cease your current pursuit of) any claim or reimbursement of the transaction amount from the

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merchant or any other person; and
3.  help us get reimbursement from others.

Section 18. No Warranties.

We are not responsible for any claim you may have regarding the Purchase of goods or services made with your Card
beyond your rights described in the “Billing Rights Summary” on your Statement and in this Agreement.

Section 19. Lost or Stolen Card.

If your Card is lost or stolen or if you think someone else may be using your Card or Account without your permission,
you must contact us at 1-844-334-5107 immediately. You will not be responsible for transactions on your Account that
we find are unauthorized.

If we reimburse you for unauthorized transactions, you will help us investigate, pursue and get reimbursement from the
wrongdoer. Your help includes giving us documents in a form that we request.

Section 20. Interest Charges.

We use a method called Average Daily Balance (excluding new Regular Credit Plan Purchases) to calculate the
Interest Charges.

1.  First, for each day in the Billing Cycle for each Credit Plan, we take the beginning balance (excluding any
accrued Interest Charges not posted to the Account), add any new charges and Fees and subtract any
payments and credits for each Credit Plan as described in the “How We Apply Your Payments” Section of this
Agreement. The result is the daily balance for each Credit Plan.

2.  Next, for each Credit Plan, we add the daily balances together and divide the sum by the number of days in the

Billing Cycle. The result is the Average Daily Balance for each Credit Plan.

3.  At the end of each Billing Cycle, we multiply your Average Daily Balance for each Credit Plan by the daily

periodic rate for that Credit Plan, and then we multiply the result by the number of days in the Billing Cycle.
4.  We add the Interest Charges for all Credit Plans together. The result is your total Interest Charge for the Billing

Cycle.

For purposes of the above calculations, accrued Interest Charges are added (posted) to the daily balance of each
Credit Plan on the last day of the Billing Cycle. Fees are added to the Regular Credit Plan as part of the daily balance
on the day they are posted to the Account. Any Fees will be treated as a new Regular Credit Plan Purchase in the
Billing Cycle it is assessed. For Regular Credit Plan Purchases, new Purchases become part of the Account balance
on the transaction date, but when we calculate daily balances for the purpose of computing Interest Charges, we do not
add any new Purchases made during the Billing Cycle until the first day of the new Billing Cycle following the date of
the Purchase. Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest
Charge actually assessed.

The daily periodic rate that is used to determine your Interest Charges for each Credit Plan is 1/365th of your Annual
Percentage Rate (APR) for each such Credit Plan.

We will charge the Interest Charges and Fees to your Account as disclosed in the Pricing Information section,
promotional material or disclosure for Promotional Credit Plan Purchases and your Statement. If you paid your Regular
Credit Plan balance in full and you made the Minimum Payment due on your Promotional Credit Plans by the due date
on your prior Statement, then (1) if you again pay your Regular Credit Plan balance in full and you make the Minimum
Payment due on your Promotional Credit Plans by the due date on your current Statement, we will not charge you any
new Interest Charges on new Purchases made under your Regular Credit Plan during the current Billing Cycle, and (2)
if you pay at least your Minimum Payment due for the current Billing Cycle but less than the amount described in

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clause (1), we will treat your payment as if it was made on  the first day of the current Billing Cycle when we calculate
your Interest Charges on new Purchases made under your Regular Credit Plan.

In general, unless otherwise indicated in promotional terms, Interest Charges for Promotional Credit Plan Purchases
begin to accrue from the date of the Purchase until paid in full, and there is no grace period to avoid Interest Charges
on Promotional Credit Plans.

We may increase your Interest Charges and Fees as described in the “Changes to Your Agreement” section of this
Agreement.

If we charge you interest, the charge will be no less than $2 and will be allocated among all Credit Plan balances that
accrue interest at our discretion.

Section 21. Annual Fee.

Your Pricing Information section will tell you if your Account is subject to an Annual Fee.  We may charge you an
Annual Fee based on your creditworthiness.  The Annual Fee is non-refundable and will be assessed when your
Account is opened and on an annual basis thereafter.  Paying the annual fee does not limit our right to close the
Account or our right to limit your ability to transact under the Account.  The Annual Fee will not be billed to your
Account after your Account is closed.

Section 22. Late Payment Fee.

If we do not receive payment from you in at least the amount of your Minimum Payment by the due date shown on
your monthly Statement, you will be charged a Late Payment Fee. The fee will be $28.00 if you did not incur a Late
Payment Fee during any of the prior six billing periods; otherwise $39.00.

Section 23. Returned Payment Fee.

If any check or other payment tendered in payment on your Account is returned unpaid for any reason, you will be
charged a Returned Payment Fee. The fee will be $28.00 if you did not incur a Returned Payment Fee during any of the
prior six billing periods; otherwise $39.00.

Section 24. Cash Advance Fee.

Each time you obtain a Cash Advance, we will impose a Cash Advance Fee of $10.00 or 4% of the amount of each
Cash Advance, whichever is greater. The Cash Advance fee will be waived for any Cash Advance paid directly to a
participating Dealer.

Section 25. Copy Fee.

You may request a copy of your monthly statement by calling 1-844-334-5107.  If you request duplicates of any
monthly billing statement or other document, a copying charge of $3.00 per page may be imposed, unless the request
is made in connection with a bona fide billing error dispute.

Section 26. Minimum Payment.

You must pay at least the Minimum Payment due by the payment due date each month. The Minimum Payment for
your Account includes the minimum payment on each Credit Plan, including any Promotional Credit Plan with a special
minimum payment calculation and your Regular Credit Plan.

To determine the total Minimum Payment due, we add together the following: (a) your Regular Credit Plan Minimum
Payment, which is equal to the greater of (i) $20 or (ii) 3% of the total of your Regular Credit Plan Purchases balance
plus any billed Interest Charges; (b) the Minimum Payment for each Promotional Credit Plan Purchase balance; (c) late
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payment fees and other fees and charges; and (d) any past due amount for any Credit Plan. We then round this total to
the next highest dollar.

Your Statement will tell you:

1.  the Minimum Payment due,
2.  your new balance,
3.  the payment due date, and
4.  an explanation of when the payment must reach us for us to consider it received as of that date.

Returns and other credits to your Account will reduce your Account balance, but they will not change your Minimum
Payment amount.

If your Account is 150 days past due, is part of a bankruptcy proceeding, or is otherwise charged off, the total balance
is immediately due and payable.

Section 27. Making Payments.

Your payment must be made in U.S. dollars from a U.S. deposit account in a form acceptable to us. We do not accept
any payments at dealer locations or cash payments.

You may not make payments with funds from your Account or any other credit account with us. You must send mailed
payments to us as instructed on your Statement, unless we tell you otherwise.

You must mail all payment items (such as checks) (“Item(s)”) bearing restrictive words, conditions, limitations, or
special instructions to: P.O. Box 84010, Sioux Falls, SD 57118. This includes Items marked “Paid in Full” or similar
language. This also includes all accompanying communications. If you make such a payment or send any
accompanying communications to any other address, we may reject it and return it to you. We may also accept it and
process it without losing any of our rights.

Section 28. Other Payment Services.

We may make services available that allow you to make faster or recurring payments online or by telephone. We will
describe the terms for using these services and any applicable Fee before you use them. You do not have to use these
other payment services.

We are not responsible if your financial institution rejects a payment made using our payment services.

If you ask someone else to make a payment for you, we may provide that person with limited Account information
necessary to set up and process that payment. We may also refuse to accept that payment. If we do accept it, you will
be responsible for that payment even if a financial institution rejects it.

Section 29. Payment Processing.

We may accept and process payments without losing any of our rights. Although we immediately credit your loan
payment to the balance of your loan, we may hold your available credit until we confirm your payment cleared. We may
hold your available credit for up to 7 calendar days.  We may resubmit and collect returned payments electronically. If
necessary, we may adjust your Account to correct errors, process returned and reversed payments, and handle similar
issues.

When you send us an Item as payment, you authorize us to make a one-time electronic funds transfer from your
deposit account. We may withdraw the funds from your deposit account as early as the same day we receive your
payment. You will not receive your Item back from your bank. We will provide additional information about this process

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on your Statement.

We may use the information from an Item to create an electronic image. We may collect and return the image
electronically. This electronic image may also be converted to a substitute check and may be processed in the same
way we would process an Item. We are not responsible if an Item you provide has physical features that, when imaged,
result in it not being processed as you intended.

Section 30. How We Apply Your Payments.

In each Billing Cycle, we apply payments up to your Minimum Payment amount at our discretion. Unless otherwise
provided by applicable law, we apply any part of your payment exceeding your Minimum Payment amount to the Credit
Plan balance with the highest APR, and any remaining portion to other Credit Plan balances in descending order based
on the applicable APR. We do this based on the APRs in effect and balances owed on the day your preceding Billing
Cycle ended. If more than one Credit Plan balance has the same APR, we will apply the payment to the oldest Credit
Plan balance first.

Notwithstanding the foregoing, during the two billing cycles immediately preceding expiration of any Promotional Credit
Plan period, the excess payment amount will be allocated first to the applicable Promotional Credit Plan balance(s) and
then any remaining portion allocated to any other balances consistent with the process outlined above in this section.

Section 31. Credit Balances.

We may reject and return any payment that creates or adds to a credit balance on your Account.  Any credit balance
we allow will not be available until we confirm that your payment has cleared. We may reduce the amount of any credit
balance by any new charges.  We will make a good faith effort to refund any credit balance remaining in the account for
more than six months; or, you may write to the address provided on your Statement or call us at 1-844-334-5107 to
request a refund of any available credit balance and we will issue a refund within thirty business days.

Section 32. Account Default.

You will be in default if:

1.  you do not make any payment when it is due;
2.  any payment you make is rejected, not paid or cannot be processed;
3.  you file or become the subject of a bankruptcy or insolvency proceeding;
4.  you   are    unable    or    unwilling    to    repay    your obligations, including upon death or legally declared

incapacity;

5.  we determine that you made a false, incomplete or misleading statement to us, or you otherwise tried to defraud

us; or

6.  you do not comply with any term of this Agreement or any other agreement with us.

If you are in default, we may take certain actions with respect to your Account. For example, depending on the default,
we may take the following actions, without notifying you, unless the law says that we must give you notice:

1.  charge you Fees, as permitted under the Agreement;
2.  if so disclosed under a Promotional Credit Plan, terminate the special promotional terms and apply the terms

that apply to Regular Credit Plan Purchases including changes to your APR and Minimum Payments;

3.  close or suspend your Account;
4.  lower your credit limit(s);
5.  demand that you immediately pay the total balance owing on your Account including all promotional balances;
6.  continue to charge you Interest Charges and Fees as long as your balance remains outstanding; and/or
7.  file a lawsuit against you, or pursue another action that is not prohibited by law. If we file a lawsuit, you agree to

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pay our court costs, expenses and attorney fees, unless the law does not allow us to collect these amounts.

Section 33. Communications.

You agree that we may contact you at any phone number, email address or mailing address you provide to us,
including mobile devices. You agree that from time to time we may monitor and record telephone calls made or
received by us or our agents regarding your Account to assure the quality of our service. In order for us to service the
Account or to collect any amounts you may owe, and subject to applicable law, you agree that we may from time to
time make calls and send text messages to you using prerecorded/artificial voice messages or through the use of an
automatic dialing device at any telephone number you provide to us in connection with your Account at any time,
including a mobile telephone number that could result in charges to you.

Section 34. Credit Reports.

We may report information about your Account, including about you and any Authorized Users, to credit bureaus and
others. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report.
Information we provide may appear on your credit report.

If you believe that we have reported inaccurate information about your Account to a credit bureau or other consumer
reporting agency, notify us in writing at P.O. Box 84010, Sioux Falls, SD 57118. When you write, tell us the specific
information that you believe is incorrect and why you believe it is incorrect. We will research the issue and let you know
if we agree or disagree with you. If we agree, we will contact each consumer reporting agency we reported to and
request a correction.

We may obtain and use credit, income and other information about you from credit bureaus and others as the law
allows.

Section 35. Closing or Suspending Your Account.

You may contact us at 1-844-334-5107 to ask us to close your Account.

We may close or suspend your Account at any time and for any reason permitted by law, even if you are not in default.

If your Account is closed or suspended by either you or us for any reason, you must stop using your Card. If we close
or permanently suspend your Account, you must return or destroy all Cards. You must still pay us all amounts you owe
on the Account, including any amounts that post to your Account after it is closed or suspended.

Section 36. Changes to Your Agreement.

At any time, we may add, delete or change any term of this Agreement, unless the law prohibits us from doing so. We
will give you notice of any changes as required by law. We may notify you of changes on your Statement or in a
separate notice. Our notice will tell you when and how the changes will take effect. The notice will describe any rights
you have in connection with the changes. If we increase your APR for any reason, or if we change your Fees or other
terms of your Account, we will notify you as required by law.  You may not change this Agreement unless we agree to
your change in writing.

Section 37. The Law that Applies to Your Agreement.

This Agreement and your Account will be governed by federal law applicable to a FDIC-insured institution located in
Utah and, to the extent permitted by law and not preempted by federal law, the law of the state of Utah, without regard
to its choice of law provisions. You agree that this Agreement is entered into between you and us, and received by us,
in Utah and we extend credit to you from Utah, whether or not you live in Utah. We will make the decision whether to
open an account for you based on criteria established in Utah.

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Section 38. Severability.

If any provision of this Agreement is determined to be void or unenforceable under any applicable law, rule or
regulation, all other provisions of this Agreement will remain enforceable (except as specifically addressed in the
Arbitration provision).

Section 39. Entire Agreement.

This Agreement is a final expression of the agreement between you and us and supersedes and may not be
contradicted by evidence of any prior or contemporaneous oral communication or understanding between you and us.

Section 40. Waiver.

We will not lose any of our rights if we delay or choose not to take any action for any reason. We may waive our right
without notifying you. For example, we may waive your Interest Charges or Fees without notifying you and without
losing our right to charge them in the future.

Section 41. Assignment.

This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not sell, assign
or transfer your Account or this Agreement to someone else without our written permission.  We may sell, assign or
transfer your Account and this Agreement including the receivables associated therewith and any of the rights and
benefits of this Agreement without your permission and without prior notice to you. Any assignee or assignees will take
our place under this Agreement. You must pay them and perform all of your obligations to them and not us. If you pay
us after we notify you that we have transferred your Account or this Agreement, we can return the payment to you,
forward the payment to the assignee, or handle it in another way that is reasonable.

We may also engage agents, authorized representatives, and other service providers, all of which may act for us under
this Agreement and rely on the rights given to us under this Agreement.

Section 42. Glossary.

"Account"  means your DigniFi Credit Card Account with WebBank.

"Annual Percentage Rate"  means your interest rate stated as a yearly rate.

"Billing Cycle"  means the period of time reflected on a Statement. This period may vary in length but is approximately
30 days. You will have a Billing Cycle even if a Statement is not required. We will often specify a Billing Cycle by the
month in which its closing date occurs. For example, a “March Billing Cycle” will have a closing date in March. We may
also refer to a Billing Cycle as a “Billing Period.” If your Account balance has charged off, we may switch to quarterly
Billing Cycles for your Account.

"Card"  means any WebBank credit card associated with your Account. This includes all renewals and substitutions. It
also means any other access device for your Account we give you that allows you to obtain credit, including any
Account number.

"Credit Plans"  mean the Promotional Credit Plans we offer from time to time and the Regular Credit Plan that applies to
your Purchases and Cash Advances. The sum of your Credit Plan balances equals your total Account balance.

"Fees"  mean charges imposed on your Account not based on the Annual Percentage Rates.

"Interest Charges"  mean any charges to your Account based on the application of Annual Percentage Rates.

"Item"  means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes

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"Item"  means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes
any image of these instruments.

"Minimum Payment"  is the total of the minimum payments required for each Credit Plan and at least this amount must
be paid by the payment due date indicated on your Statement.

"Promotional Credit Plans"  are different parts of your Account we may establish for Purchases that are subject to
special interest rates (APRs), pricing, repayment or other terms.  Not all purchases are eligible for a Promotional Credit
Plan and in order to qualify there may be a minimum purchase amount.

"Purchase"  a transaction using your Card to purchase goods or services from one who honors the Card; and (b) any
other transaction, including a Cash Advance.

"Regular Credit Plan"  means the interest rate (APR), pricing, repayment terms and other terms included in this
Agreement for Purchases that are not made under Promotional Credit Plans.

"Statement"  means a document showing important Account information, including all transactions billed to your
Account during a Billing Cycle and information about what you must pay. We may also refer to your Statement as a
“Periodic Statement” or a “Billing Statement.”

Section 43. Military Lending Act Disclosure.

The federal Military Lending Act (“MLA”) provides important protections for certain members of the Armed Forces and
their dependents (“Covered Borrowers”) relating to extensions of consumer credit.  The following provisions of this
Section 43 apply only to Covered Borrowers. 

Federal law provides important protections to members of the Armed Forces and their dependents relating to
extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or
her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the
credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in
connection with the credit transaction; any application fee charged (other than certain application fees for specified
credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card
account).

In order to hear important disclosures and payment information about the account of a Covered Borrower, you may call
1-844-334-5107. 

The Arbitration Provision set forth in Section 44 of this Agreement does not apply if you are a Covered Borrower. 

Section 44. Arbitration.

RESOLUTION OF DISPUTES: THIS ARBITRATION PROVISION LIMITS YOUR RIGHTS IN THE EVENT OF A
DISPUTE BETWEEN YOU AND US AND OTHERS UNLESS YOU ARE AN MLA COVERED BORROWER. YOU
HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN PARAGRAPH (b) BELOW.

a.  Either you or we may, at your or our sole election, require that the sole and exclusive forum and remedy for

resolution of a Claim be final and binding arbitration pursuant to this section (the “Arbitration Provision”), unless
you opt out as provided in section (b) below. DigniFi (including its affiliates and dealers), or any subsequent
holder of this Agreement or any interest in your Account or any subsequent Purchaser, holder or assignee of
any receivables arising under your Account (collectively, “subsequent holder”), may also elect arbitration of any
Claim as provided in this Arbitration Provision. As used in this Arbitration Provision, “Claim” shall include any
past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected
with you), on the one hand, and us and/or DigniFi and/or any subsequent holder (or persons claiming through or

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connected with us and/or DigniFi and/or the subsequent holders), on the other hand, relating to or arising out of
your application for and origination of this Account, this Agreement, your Account, or the relationship between
you and us, including (except to the extent provided otherwise in the last sentence of section (f) below) the
validity or enforceability of this Arbitration Provision, any part thereof, or the entire Agreement. Claims are
subject to arbitration regardless of whether they arise from contract; tort (intentional or otherwise); a constitution,
statute, common law, or principles of equity; or otherwise. Claims include matters arising as initial claims,
counter-claims, cross-claims, third-party claims, or otherwise. The scope of this Arbitration Provision is to be
given the broadest possible interpretation that is enforceable.

b.  You may opt out of this Arbitration Provision for all purposes by sending an arbitration opt out notice to P.O. Box
84010, Sioux Falls, SD 57118, which is received at the specified address within 30 days of the date that you
applied for an Account. The opt out notice must clearly state that you are rejecting arbitration; identify the
Account to which it applies by date; provide your name, address, and social security number; and be signed by
you. You may send an opt out notice in any manner you see fit as long as it is received at the specified address
within the specified time. No other methods can be used to opt out of this Arbitration Provision. If the opt out
notice is sent on your behalf by a third party, such third party must include evidence of his or her authority to
submit the opt out notice on your behalf.

c.  The party initiating arbitration shall do so with the American Arbitration Association (the “AAA”) or Judicial

Alternatives and Mediation Services (“JAMS”). The arbitration shall be conducted according to, and the location
of the arbitration shall be determined in accordance with, the rules and policies of the administrator selected,
except to the extent the rules conflict with this Arbitration Provision or any applicable law. If you have any
questions concerning the AAA or would like to obtain a copy of the AAA arbitration rules, you may call 1(800)
778-7879 or visit the AAA’s web site at: www.adr.org. If you have any questions concerning JAMS or would like
to obtain a copy of the JAMS arbitration rules, you may call 1(800) 352-5267 or visit their web site at:
www.jamsadr.com. In the case of a conflict between the rules and policies of the administrator and this
Arbitration Provision, this Arbitration Provision shall control, subject to applicable law, unless all parties to the
arbitration consent to have the rules and policies of the administrator apply. In the event that neither of the
above named administrators is available, the party requesting arbitration may choose an alternative arbitrator or
arbitration provider.

d.  If we (or DigniFi or any subsequent holder) elect arbitration, we (or DigniFi or the subsequent holder, as the case
may be) shall pay all the administrator’s filing costs and administrative fees (other than hearing fees). If you
elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in accordance with
the rules of the administrator selected, or in accordance with applicable law if contrary to the administrator’s
rules. We (or DigniFi or the subsequent holder, as the case may be) shall pay the administrator’s hearing fees
for one full day of arbitration hearings. Fees for hearings that exceed one day will be paid by the party requesting
the hearing, unless the administrator’s rules or applicable law require otherwise, or you request that we (or
DigniFi or the subsequent holder) pay them and we agree (or DigniFi or the subsequent holder agrees) to do so.
Each party shall bear the expense of its own attorneys’ fees, except as otherwise provided by applicable law. If
a statute gives you the right to recover any of these fees, these statutory rights shall apply in the arbitration
notwithstanding anything to the contrary herein.

e.  Within 30 days of a final award by the arbitrator, any party may appeal the award for reconsideration by a three-
arbitrator panel selected according to the rules of the arbitration administrator. In the event of such an appeal,
any opposing party may cross-appeal within 30 days after notice of the appeal. The panel will reconsider de
novo all aspects of the initial award that are appealed. Costs and conduct of any appeal shall be governed by
this Arbitration Provision and the administrator’s rules, in the same way as the initial arbitration proceeding. Any
award by the individual arbitrator that is not subject to appeal, and any panel award on appeal, shall be final and

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binding, except for any appeal right under the Federal Arbitration Act (“FAA”), and may be entered as a judgment
in any court of competent jurisdiction.

f.  We (and DigniFi and any subsequent holder) agree not to invoke our right to arbitrate an individual Claim you

may bring in Small Claims Court or an equivalent court, if any, so long as the Claim is pending only in that court.
We (or DigniFi or any subsequent holder) will not initiate an arbitration proceeding to collect a debt from you
unless you assert a Claim against   us (or DigniFi or any subsequent holder). You may seek arbitration in a
proceeding to collect a debt. We (or DigniFi or any subsequent holder) may seek arbitration in a proceeding to
collect a debt if you assert a Claim against us (or DigniFi or any subsequent holder). NO ARBITRATION SHALL
PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE
ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE
SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN
ASSERTED) IN A COURT AS CLASS, REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless
consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or
otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same
arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties
to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and
only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or interests of
anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an
award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator shall have
the power or authority to waive, modify, or fail to enforce this section (f), and any attempt to do so, whether by
rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of
this section (f) shall be determined exclusively by a court and not by the administrator or any arbitrator.

g.  This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed

by and enforceable under the FAA. The arbitrator will apply substantive law consistent with the FAA and
applicable statutes of limitations. The arbitrator may award damages or other types of relief permitted by
applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator will not
be bound by judicial rules of procedure and evidence that would apply in a court. The arbitrator shall take steps
to reasonably protect confidential information.

h.  This Arbitration Provision shall survive (i) suspension, termination, revocation, closure, or amendments to this
Agreement and the relationship of the parties and/or DigniFi or a subsequent holder; (ii) the bankruptcy or
insolvency of any party or other person; and (iii) any transfer of the Account or this Agreement, or any interest
in, or receivables arising under, the Account or this Agreement, to any other person or entity. If any portion of
this Arbitration Provision other than section (f) is deemed invalid or unenforceable, the remaining portions of this
Arbitration Provision shall nevertheless remain valid and in force. If an arbitration is brought on a class,
representative, or collective basis, and the limitations on such proceedings in section (f) are finally adjudicated
pursuant to the last sentence of section (f) to be unenforceable, then no arbitration shall be had. In no event
shall any such invalidation be deemed to authorize an arbitrator to determine Claims or make awards beyond
those authorized in this Arbitration Provision.

THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE
A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO
THIS ARBITRATION PROVISION. SUBJECT TO SECTION (b), THE PARTIES HEREBY KNOWINGLY AND
VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT BEFORE A JUDGE OR JURY
UPON ELECTION OF ARBITRATION BY ANY PARTY.

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Your Billing Rights

Keep This Notice for Future Use:  This notice tells you about your rights and our responsibilities under the Fair Credit
Billing Act.

What To Do If You Find A Mistake On Your Statement:  If you think there is an error on your statement, write to us
as soon as possible at: P.O. Box 84010, Sioux Falls, SD 57118.

In your letter, give us the following information:

Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why
you believe it is a mistake.

You must contact us:

Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the
amount you think is wrong.

You must notify us of any potential errors in writing. You may call us at 1-844-334-5107 or notify us electronically at
DigniFi@totalcardinc.com, but if you do, we are not required to investigate any potential errors and you may have to
pay the amount in question.

What Will Happen After We Receive Your Letter.

When we receive your letter, we must do two things:

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we

have already corrected the error.

2.  Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected

the error (to appear on your next statement) or the reasons we believe the bill is correct.

While we investigate whether or not there has been an error, the following are true:

We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that
amount.
While you do not have to pay the amount in question until we send you a notice about the outcome of our
investigation, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to
that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable
interest and fees. We will send you a statement of the amount you owe, and the date payment is due. We may
then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you
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still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your
bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations
know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your
bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases.

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the
purchase.

To use this right, all of the following must be true:

1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.);
2.  You must have used your credit card for the purchase. Purchases made with cash advances do not qualify; and
3.  You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at DigniFi, P.O.
Box 84010, Sioux Falls, SD 57118.

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and do not pay, we may report
you as delinquent.

Addendum to WebBank DigniFi

Credit Card Account Customer Agreement (“Agreement”)

This addendum is a supplement to your WebBank DigniFi Credit Card Account Customer Agreement between you and
WebBank. The Agreement and the terms of this Addendum are the full terms of your agreement.

Promotion Terms

The six-month deferred interest promotional offer is available on all approved purchases of $350 or more using the
DigniFi ExpressWay credit card. Your Deferral Period is 6 months from the date of purchase and is identified on your
billing statement as the Promotional Expiration Date. No interest will be charged on the promotional purchase if you pay
the promotional purchase amount in full within the Deferral Period. If you do not, interest will be charged on the
promotional purchase from the purchase date.

A Minimum Monthly Payment is required for the Applicable Term. The required minimum monthly payments will not pay
off the promotional purchase by the end of the Deferral Period. The minimum monthly payment amount is based on an
amortization schedule where the transaction amount will be paid in full by the end of the Applicable Term if the
minimum payment amount is paid timely and in full. Your minimum payment for your purchases will be added to any
other minimum payments required on the account for other Promotional Credit Plans and Regular Credit Plan

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Purchases. Failure to make the Minimum Monthly Payment could result in possible late fees and negative credit
reporting.

The Minimum Monthly Payment is identified on your billing statement.

The Applicable Term is based on the purchase amount according to the following table:

Purchase Amount

Applicable Term

$350.00 to $650.00

$350.01 to $900.00

$900.01 to $1,100.00

12 months

18 months

24 months

$1,100.01 to $1,300.00

30 months

> $1,300.00

36 months

APR

27.99%

27.99%

27.99%

27.99%

27.99%

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MLA COVERED BORROWER

DigniFi
PO Box 7084
Boulder, CO 80306-7084
(855) 808-5861

Federal law provides important protections to members of the Armed Forces and their dependents relating to
extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or
her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the
credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in
connection with the credit transaction; any application fee charged (other than certain application fees for specified
credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card
account).

To receive this disclosure verbally over the phone, please call toll-free at 855.808.5861 to speak with a member of our
Customer Care Department.

The arbitration addendum included in this unsecured loan agreement does not apply to an MLA covered borrower.
Neither DigniFi nor WebBank will require an MLA covered borrower to submit to mandatory binding arbitration.

DigniFi and/or WebBank will NOT:

Require the covered borrower to waive the right to legal recourse under any other state or federal law, including
the Servicemembers Civil Relief Act;
Require the covered borrower to submit to arbitration or other burdensome legal notice provisions, in the case of
a dispute;
Demand unreasonable notice from the borrower as a condition for legal action;
Require the covered borrower to establish an allotment to repay the obligation;
Prohibit the covered borrower from prepaying the consumer credit, or charge a prepayment penalty; or
Use a check or other method of access to a deposit, savings, or other financial account maintained by the
covered borrower.

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AUTHORIZATION & CONSENT FOR ELECTRONIC DELIVERY
OF DISCLOSURES

You may not apply online unless you accept these disclosures and information electronically.

Please read this information thoroughly and print a copy and/or retain this information electronically for your records.

From time to time, we may be required by law to provide certain written notices or disclosures. Described below are the
terms and conditions for providing to you such notices and disclosures electronically that pertain to all products offered
via the DigniFi platform including but not limited to: the WebBank issued installment loan ("Installment Loan") and the
ExpressWay credit card account ("ExpressWay Credit Card"). Please read the information below carefully and if you
can access this information electronically and agree to these terms and conditions, please confirm your agreement by
clicking "Submit Application."

By consenting to electronic disclosures, you are:

Agreeing to receive electronically any state or federal disclosures, notifications and communication in
connection with the application for, the opening of, maintenance of or collection of your Installment Loan or
ExpressWay Credit Card ("E-disclosure");
For ExpressWay Credit Card customers only:

Consenting to receive billing statements electronically on an ongoing basis at https://app.dignifi.com.
Electing not to receive billing statements via U.S. postal service on a recurring basis for the credit card
account for which you are electing to receive electronic billing statements ("E-statements");

Consenting to and acknowledging that you have read, understand and agree to be bound by the following terms
and conditions.

By clicking the "Submit Application" button, you agree to:

Receive, access and retain electronic disclosures.
That you meet the hardware and software requirements listed below, including the ability to receive and read
emails and log into https://app.dignifi.com.
Agree to download or print the disclosures for your records.
Acknowledge that you are providing your consent to receive electronic communications pursuant to the
Electronic Signatures in Global and National Commerce Act and our intent is that this statute applies to the
fullest extent possible.

Access Requirements. To access and retain electronic disclosures, you will need a desktop or laptop personal
computer that has access to the internet. Compatible operating systems including recent versions of Windows and
macOS. You must have a web browser that at a minimum supports 128-bit encryption. Such web browsers include the
most recent versions of Internet Explorer, Chrome, Firefox, or Safari. You must also have an email account and related
software capable of receiving emails through the internet. In order to access the disclosures, you must have an
updated version of Adobe Reader and maintain an accurate email address. You must also have a compatible printer
connected to your computer if you wish to print copies of such documents, or available storage space on your
computer to retain a copy of the file.

Additional Mobile Technology Requirements: If you are accessing the DigniFi website from a mobile device (such as a
smart phone, tablet, or similar device), in addition to the above requirements you must make sure that you have the

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latest device operating system (e.g., the latest version of iOS or Android OS) and the ability to save or print your loan
documents in PDF format on a mobile device. If you do not have these capabilities on your mobile device, please
access our site through a device that provides these capabilities.

If there is a change in the hardware/software requirements associated with this service that creates a material risk that
you will not be able to access electronic disclosures, we will notify you, provide an explanation of the updated
hardware/software requirements, and allow you the opportunity to withdraw consent for continued electronic delivery. It
is your responsibility to ensure that your hardware and software continue to meet the disclosed hardware and software
requirements and electronically save or print copies of any documents delivered electronically that you wish to retain in
paper form. You agree to notify us if you are unable to access any of the information provided by us electronically.

E-statement Access.

For Installment Loan customers : You will have the ability to download and print E-statements documents we send to
you by accessing your account online at www.dignifi.com, using your User ID and Password to access your account,
and clicking on the “Statement History” link to obtain your E-statement. Each of your electronic disclosures will remain
accessible on our website until your account is closed or deactivated.

For ExpressWay Credit Card customers : in order to access your E-statements electronically, you must log onto our
website at https://app.dignifi.com. via the Internet, use your User ID and Password to access your account, and click
on the “Statement History” link to obtain your E-statement. Each of your electronic disclosures and E-statements will
remain accessible on our website for at least 6 months after we notify you of its availability. Following your enrollment
in E-statements, you may begin viewing your billing statements online beginning with your next statement cycle.

Right to Receive Paper Statements and Other Records and Information.

We reserve the right to communicate with you in writing using the U.S. Postal Service, no matter what option you have
chosen. For accounts that are in default or subject to the automatic stay in bankruptcy, we may, at our sole option,
elect to discontinue delivering electronic disclosures and E-statements.

For Installment Loan customers : At any time, you may request paper copies of any record made available to you
electronically. To request a paper copy, please call us at (855) 808-5861.

For ExpressWay Credit Card customers : You are enrolling to receive disclosures, E-statements, and any other
notifications or information electronically rather than by mail. At your option, you may ask us to send a paper copy of
your billing statement or any other disclosure by mail. If you make such a request, a copying charge of $3.00 per page
may be imposed, unless the request is made in connection with a bona fide billing error dispute.

Withdrawing Consent to Receive Electronic Disclosures You have the right to withdraw your consent to receive
electronic disclosures at any time and choose to receive paper disclosures in lieu of electronic disclosures, including
any billing statement on an ongoing basis.

For Installment Loan customers : To withdraw your consent, you may contact us via telephone at (855) 808-5861 or
through email at questions@dignifi.com. You may also reach us at DigniFi, 5416 E Baseline Rd Suite 129 Mesa, AZ
85206. If you withdraw your consent in writing, you must provide us with your full name, US postal address, account
number and telephone number.

For ExpressWay Credit Card customers : To withdraw your consent, simply change your preference to receive
electronic disclosures and E-statements "by mail" in your account center at https://app.dignifi.com or mail any notices
to DigniFi at 5416 E Baseline Rd Suite 129 Mesa, AZ 85206 or contact us via telephone at (855) 808-5861 or through
email at questions@dignifi.com. There is no fee to change your delivery preference, however, you may no longer have
access to past E-Statements once you have changed your delivery preference.

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(855) 808-5861
www.dignifi.com

Accurate Email Address Required. You must also maintain a valid and active e-mail address. If at any time your e-
mail address changes you must notify us immediately. We will send you an email notification at your last email
address of record when your E-statement is available. If we send you email notification and it is returned to us as
undeliverable, we may attempt to contact you and ask that you update your email address.

For Installment Loan customers : you may update this information by emailing us at questions@dignifi.com.

For ExpressWay Credit Card customers : you can update your email address by logging into your account at
https://app.dignifi.com, clicking on the "Account Services" link, and then selecting "Change Contact Information" from
the list of options presented.

Discontinuation of Electronic Disclosures.  We reserve the right to terminate the delivery of electronic disclosures in
whole or in part at any time without prior notice except as required by law.

Your Computer Equipment or Software.  We will not be responsible for any errors or failures from any malfunction of
your computer or any computer virus or other problems related to your computer equipment.

You understand that the information you have elected to receive is confidential in nature. We are not responsible for
unauthorized access by third parties to information and/or communications provided electronically nor any damages
caused by unauthorized access. We are not responsible for delays in the transmission of any information. We are not
responsible for any computer virus or related problems.

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