USA PATRIOT Act Information Disclosure

To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires all financing institutions to obtain, verify and record information that it uses to identify each person who opens an account.

What this means for you: When you open an account, we will ask for your name, physical address, date of birth, taxpayer identification number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying information.

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Fair Credit Reporting Act ("FCRA") Disclosure and Consent

You understand and agree that you are providing instructions to Tua Financial under the Fair Credit Reporting Act ("FCRA") to access information from your personal credit profile or other information from one or more consumer reporting agencies such as Equifax, Experian, or TransUnion. You authorize Tua Financial to obtain such information solely to conduct a pre-qualification for credit. By checking the box and proceeding, we will initiate a "soft pull" of your credit and this will not affect your credit score.

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E-Sign Consent Electronic Disclosures

As part of the credit application process, Tua, our software providers, our banking partners, and our payment servicing providers are required by law to provide you with certain disclosures in writing. Without your consent, Tua, our trust partners are not permitted to provide those disclosures to you online.

"Disclosures" include, but are not limited to, (1) agreements and policies required to use the Tua Services (e.g., these Tua Terms, the Tua Privacy Policy and each Partner Bank and servicing providers, Privacy Policy, and Loan Agreements), (2) payment authorizations and transaction receipts or confirmations, and (3) account statements, billing statements, and account histories; and (4) any other disclosures required by law regarding your legal rights and obligations relating to the Tua Services.

By providing your consent as set forth below ("Consent"), you agree to the following:

• Tua and any Tua Partner may provide any or all Disclosures either electronically on the Tua Website or in any Tua platform, through a hyperlink provided on the Tua Website or in any Tua Platform, and, at its sole discretion electronically to the email address or mobile telephone number that you have provided to us, either directly or indirectly via the merchant to whom Tua or the Tua Partner will send funds on your behalf, or by making them accessible via our websites or applications.
• Tua and/or a Tua Partner may, but is not required to, notify you via email or text message when the Disclosures are available and how to view them, either via the hyperlink, email, or other electronic method described herein. The Disclosures will be provided to you in a format that can either be retained, printed or downloaded for your records.
• Your electronic signature on agreements and documents has the same effect as a handwritten signature to the fullest extent permitted by law.
• Your Consent applies to any transaction undertaken through the Tua Services in the past, to all future disclosures and communications on your account, to all future transactions in which you use the Tua Services, at any time, to any transaction with us, and to other Disclosures that we provide to you by email.
• Your Consent means that Disclosures Tua and any the Tua Partner provides to you electronically shall have the same meaning and effect as if provided in paper form, regardless of whether you actually view those Disclosures.
• You agree that:
  • Checking a box,
  • Clicking an "I Agree," "Accept," "Submit," or similar button,
  • Typing your name,
  • Using an authentication code,
  • Applying an electronic signature, or
  • Completing another electronic signing process presented by us
  constitutes your electronic signature and indicates your intent to sign and be bound by the applicable record.

You understand that, in order to view and/or retain copies of the Disclosures, you will need the following hardware and software:

• A computer or mobile device with an Internet connection or mobile connectivity and the ability to download and run the software described in this Section.
• For website-based Disclosures accessed by computer, the computer must have a current operating system and web browser version currently supported by its manufacturer.
• For Disclosures accessed by mobile application or mobile website, the mobile device must have a current operating system and web browser (for Apple devices, the most current version of iOS or one prior, and for Android devices, the most current version of the Android operating system or one prior) through which you access or use the Tua Services;
• A current version of a program that accurately reads and displays PDF files (e.g., Adobe Acrobat Reader);
• A valid email address, and, if you use a spam filter that blocks or re-routes emails from senders not listed in your address book, you must permit messages from the @tuafinancial.com, @youronlineaccount.com and @enoticesystem.com domains in your spam filter;
• A working mobile telephone number that can receive text messages; and
• Sufficient storage space to save Disclosures or the capability to print the Disclosures from the device on which you view them.

We will notify you if our hardware or software requirements change and whether that change creates a material risk that you would not be able to access or retain your electronic Disclosures. Continuing to use the Tua Services after receiving notice of the change is the affirmative of your Consent.

You are free to withdraw your Consent at any time. If at any time you wish to withdraw your Consent, you can send us your request by submitting a written request to us at Tua Financial Technologies Holdings Inc. 1489 W Warm Springs Road, Henderson NV 89014, Attn: Electronic Communications Delivery Policy, or by email at Care@tuafinancial.com Subject: Electronic Communications Delivery Policy. Any withdrawal of your Consent will be effective after a reasonable period of time for processing your request. The legal effectiveness, validity and/or enforceability of electronic Disclosures we sent before your Consent is effective will not be affected. If you withdraw your Consent, Tua may close or limit access to your account and the Tua Services. You agree to pay any amount owed to Tua and/or the Partner Bank even if you withdraw your Consent and we close or limit access to your account.

You agree that Tua may modify or change the methods of disclosure described herein, and that Tua and/or the Tua Partner may send you Disclosures in paper form at its option. You can obtain a paper copy of an electronic Disclosure at no charge, provided that such request is made within a reasonable time after we first provided the electronic Disclosure to you. To request a paper copy of a Disclosure, contact Tua Care at 1-833-TUA-5636 or 1-833-882-5636.

You should print or download and save copies of all records provided to you electronically.

We recommend retaining copies of all disclosures, agreements, notices, and account communications for your records.

You agree that it is your responsibility to notify Tua of any changes to your primary email address, phone number, or any other contact information so that Tua can communicate with you electronically. You agree that Tua is not responsible for any delay or failure in your receipt of any Disclosure, text message or email notice that is not caused by Tua's failure to send such a Disclosure or notice to the phone number or email address you have provided to us. We will not assume liability for non-receipt of notification of availability of electronic Documents in the event your mobile number, email address or other contact information on file is invalid; your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in your computer, mobile device, browser, Internet service, mobile connectivity and/or software; or for other reasons beyond our control.

It is your responsibility to provide us with true, accurate and complete mobile number, e-mail address, contact, and other information related to the Tua Services, and to maintain and update promptly any changes in this information. To update your information, contact Tua Care at 1-833-TUA-5636 or 1-833-882-5636.

If you do not provide your Consent, you may not use the Tua Services and must discontinue your use of the Tua Services immediately.

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Communications and Call Recording

We may assume you have received any communications sent to you by postal mail 3 business days after we send it. If we need to contact you to service your account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, contractors and collectors of your account, to communicate with you in any way, such as calling, texting, or email via:

• a mobile phone or landline you provide to us, use to contact us, or at which we believe we can reach you (even if it is not yours),
• any email address you provide to us, one of our Bank Partners, service providers, or one of our Merchants,
• automated dialer systems and automatic telephone dialing systems,
• pre-recorded or artificial voice messages and other forms of communications.

You also agree that these communications are not unsolicited for purposes of any state or federal law, and you understand that this may result in additional mobile, text message, or data charges.

You understand and agree that Tua may monitor or record telephone conversations you or anyone acting on your behalf has with Tua or its agents for quality control and training purposes or for its own protection. You acknowledge and understand that, while your communications with Tua may be overheard, monitored, or recorded without further notice or warning, not all telephone lines or calls may be recorded by Tua, and Tua does not guarantee that recordings of any particular telephone calls will be retained or retrievable.

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TCPA and AI Chatbot Consent Notice

By providing your telephone number and clicking “Submit” (or otherwise proceeding), you authorize Tua Financial Technologies Holdings Inc., and its affiliates, agents, and service providers, to contact you at the number(s) provided using an automatic telephone dialing system, prerecorded or artificial voice messages, text messages, email, or AI-powered chatbots or virtual agents for purposes related to your loan application, account servicing, or other products and services that may be of interest. You understand that some communications may be generated or assisted by artificial intelligence technologies for efficiency and customer support purposes, and such interactions may be monitored for accuracy and compliance. AI communications are subject to our Privacy Policy.

Consent is not a condition of credit or any purchase. Message and data rates may apply. You may revoke consent at any time by replying “STOP” to a text message or by contacting us at 1-833-882-5636 or care@tuafinancial.com.