Please read this Electronic Records Disclosure and Consent Agreement ("Agreement") carefully and download or print a copy for your records. By accessing the website, application, platform, or digital wallet and completing any transaction using our services or the services of our financial institution partners ("Services"), you agree to be bound by the terms of this Agreement.

In this Agreement, the words "we," "us," "our" mean Infinite Agents, Inc. and our affiliates and financial institution partners. "You" and "your" mean the user of our services, any person who communicates with us about our services, and any person who accepts this Agreement.

Electronic Signatures

Unless otherwise provided by applicable law, electronic signatures, consents, acknowledgements, instructions and affirmations shall be valid and shall have full force and effect, as if they were written in ink.

Electronic Application and Related Disclosures

Federal and state laws and regulations require us to give you certain important disclosures in writing relating to your use of our services and the services of our financial institution partners through our platform and other interfaces ("Disclosures"). Without your consent, we are not permitted to give you these Disclosures electronically. These Disclosures may include, but are not limited to, our privacy notices, payment authorizations, and any other disclosures regarding your legal rights and obligations relating to your use of our services which are required by law to be provided in writing.

Your Consent is Required

You must consent to receiving the Disclosures electronically in order to use our services. If you do not want to receive the Disclosures electronically, you may not use our services and should discontinue your use of the services immediately.

Requesting Paper Copy of Disclosures

At your request, we will provide a copy of your Disclosures and agreement in paper-based media. To request a paper copy of your Disclosures, contact us by email at support@infinite.dev. We will not charge you any fees for providing a paper copy.

System Requirements to Receive Disclosures

To apply electronically and to receive an electronic copy of the Disclosures, you must have the following:

• A personal computer or other access device which is capable of accessing the Internet (e.g., you must have a cable Internet connection or some other means of access to the Internet, and you must have an active account with an Internet service provider), and which can receive HTML files;

• A valid email address and, if you use a spam filter that blocks or re-routes emails from unknown senders, you must permit messages from the [@infinite.dev] domain in your spam filter;

• A current version of a program that accurately reads and displays PDF files (e.g., Adobe Acrobat Reader);

• An Internet web browser which is capable of supporting 128-bit SSL encrypted communications; and

• 128-bit SSL encryption software.

Your access to this page verifies that your system, browser and encryption software meet these requirements.

System Requirements to Retain the Disclosures

To retain the Disclosures, your system must have the ability and sufficient storage space to either download (to your hard disk drive or other storage device) or print both web pages (screens) as well as embedded HTML files.

Updating Your Information

You must keep us informed of any change in your telephone number, email address, or your mailing address. You may contact us to tell us about these changes by e-mail at support@infinite.dev. We will not assume liability for non-receipt of notification of availability of electronic Disclosures and other communications and 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.

Withdrawing Consent

You are free to withdraw your consent to receive Disclosures electronically at any time. To do so, please submit a request to withdraw your consent by email at support@infinite.dev. Any withdrawal of your consent will be effective after a reasonable period of time for processing your request. The legal effectiveness, validity and enforceability of Disclosures and other documents and communications that were previously provided or signed electronically will not be affected. If you withdraw your consent, we may declare all amounts you owe us immediately due and payable, and we may close or limit access to our services. You agree to pay any amount you owe us even if you withdraw your consent or we close or limit access to your account.

Unless we are required by applicable law to obtain your consent to deliver other documents electronically, or to use an electronic signature, we may continue to deliver such documents electronically or transact business with you electronically even after you withdraw your consent to receiving Disclosures electronically, and your electronic signatures will have full force and effect, as if you signed them in ink.

Acceptance of Agreement and Consent to Receive Electronic Disclosures

By accessing, using, or transacting using our Services:

• You agree to be bound by the terms of this Agreement;

• The Internet access device(s) you will use to complete your on-line application and to receive the Disclosures meet(s) the system requirements described above;

• You consent to receiving the Disclosures electronically to any email address, mobile telephone number you have provided or made available to us, or any electronic interface that we have provided to you to use the Service;

• The Disclosures that we provide electronically have the same meaning and effect as if provided in paper form; and

• Your electronic acceptance or signature on any agreement or document has the same effect as if you signed it in ink.