E-SIGN Consent & Electronic Communications Disclosure

This E-SIGN Consent and Electronic Communications Disclosure ("Consent") is provided in accordance with the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. section 7001 et seq. ("E-SIGN Act"). Please read it carefully and keep a copy for your records.

1. Scope of Communications

By giving this Consent, you agree that Milli and its financial services partners may provide the following communications electronically ("Communications"): - our Terms of Service, Privacy Policy, GLBA Privacy Notice, Cardholder Agreement, and any other agreements, policies, and amendments; - account statements, transaction histories, tax summaries, and receipts; - disclosures and notices required by law, including Regulation E disclosures, error resolution notices, change-in-terms notices, and privacy notices; - security alerts, fraud alerts, and account notices; and - responses to claims, disputes, and customer support requests.

2. Method of Delivery

We may provide Communications by (a) displaying them in the Milli app; (b) posting them on drivemilli.com; (c) sending them to the email address associated with your account; or (d) sending push notifications or text messages that direct you to the Communication. Communications are considered received when made available, whether or not you open them.

3. Electronic Signatures

You agree that clicking "I Agree," checking a box, tapping to accept, or otherwise indicating acceptance electronically constitutes your electronic signature and has the same legal effect as a handwritten signature.

4. Hardware and Software Requirements

To access and retain Communications, you need: - a device running a current version of iOS or Android supported by the Milli app, or a computer with a current version of Safari, Chrome, Firefox, or Edge; - an internet connection; - a valid email address; - software that can open PDF files; and - sufficient storage to save Communications, or a printer to print them.

We will notify you if these requirements change in a way that creates a material risk you will not be able to access or retain Communications, and you will have the right to withdraw consent without fees.

5. Paper Copies

You may request a paper copy of any Communication at no charge within 180 days of its delivery by emailing support@drivemilli.com with the subject line "Paper Copy Request" and your mailing address. Requesting a paper copy does not withdraw your consent.

You may withdraw your consent at any time by emailing support@drivemilli.com with the subject line "Withdraw E-SIGN Consent." There is no fee to withdraw. Because Milli is a digital-only service, withdrawing consent may require us to close your account or certain features, such as the Milli Elite Card. Withdrawal is effective after we have had a reasonable time to process it and does not affect the legal validity of Communications provided before withdrawal.

7. Updating Your Contact Information

You are responsible for keeping your email address and phone number current. Update them in the app under Settings, or by contacting support@drivemilli.com.

By giving this Consent, you confirm that you can access and retain Communications in the formats described above, and that you agree to receive Communications electronically.