E-SIGN Disclosure and Consent Notice

Introduction and General Consent

This E-SIGN Disclosure and Consent Notice (“Notice“) constitutes the full agreement by and between PayAU US LLC doing business as ‘PayRewards’ (“PayRewards” or “we” or “our” or “us”), and the person(s) giving his/her consent below on their behalf and on behalf of the business or entity (“you” and “your”) with information relating to your electronic receipt of disclosures and notices (collectively, the “Communications”), or as applicable, electronic signature of documents in relation to your account (“Account”).

This Notice applies to all Communications, as defined below, for services provided by PayRewards. Under this Notice, Communications you receive in electronic form from us will be considered “in writing.”

By consenting to the terms of this Agreement, you acknowledge that your Account is entirely internet based and is not designed to include the option to request paper delivery of Communications, all of which will be delivered electronically. If you do not wish to receive electronic delivery of your documents or do not wish to electronically sign documents, we will not be able to open your Account or provide you with Our services.

By using our electronic and online services (including but not limited to our payments platform, rewards portal, and related services and offerings) (the “Electronic Services“) you hereby consent to this Notice and affirm that you have access to the hardware and software requirements identified below. In addition, you must review and accept the terms of these services. If you choose not to consent to this Notice or you withdraw your consent, you will be restricted from using Electronic Services.

Examples of Communications to Be Provided in Electronic Form

Documents we provide to you in electronic form (“Electronic Communications”) may include, but are not limited to, disclosures and other notices regarding our products and services such as:

• This E-Sign Consent and any amendments
• Terms and conditions, and other notices, and any changes
• Legal and regulatory disclosures and communications associated with related products and services
• Privacy statement or notices and any changes
• Any notice or disclosures regarding fees and changes
• Notices of any amendments to any of your agreements with us
• Disclosures pertaining to account activity, including but not limited to initial disclosures, transaction receipts, and/or periodic statements
• Error resolution policies and notices

Telephone Communication and Consent

You consent to receipt of information calls and text messages made by us or our service providers to provide services to you related to your Account. We may use automatic dialing systems and prerecorded calls to this number and any number You provide to Us. Your mobile provider may charge message and data rates.

Method of Providing Communications to You in Electronic Form

All electronic Communications that we provide to you will be provided by any of the following means, as determined by us in our sole discretion:

1. By posting such information to your web/mobile application portal and/or document storage
2. By posting a message to your Platform account home page
3. By text message or SMS to the mobile phone number(s) associated with your Account (which may include a link to the information on our website)
4. By electronic or e-mail transmission to your designated e-mail address
5. By electronic or e-mail transmission with a hyperlink to our website or other website where information is posted

Your Right to Withdrawal Consent

If you determine after your Account has been opened that you do not wish to receive electronic document delivery, please note that we will be unable to continue to provide you with Electronic Services, and will be required to close your Account. Your consent to receive and sign electronic Documents will remain in effect until revoked.

You may withdraw your consent to receive Electronic Communications under this Notice by writing to us via an e-mail from the email address your account is registered with at operations@payrewards.com and including (1) the subject line “Withdraw Electronic Consent,” and (2) Your full name and the name of the associated business.

Your withdrawal of consent will cancel your agreement to receive Electronic Communications, and therefore, your ability to use our Electronic Services. In the event you provide us with an invalid e-mail address, or a subsequent malfunction of a previously valid e-mail address occurs, at our option, we may treat this as a withdrawal of your consent to receive electronic Communications.

Any withdrawal of your consent to receive Electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. In the meantime, you will continue to receive Electronic Communications. If you withdraw your consent, the legal validity and enforceability of prior Electronic Communications delivered will not be affected. In addition, you may experience a delay in obtaining information regarding your transactions.

How to Update Your Records

It is your responsibility to keep your primary e-mail address and mobile phone number true, accurate, and complete so that we can communicate with you electronically. You understand and agree that if we send you an Electronic Communication, but you do not receive it because your primary e-mail address on file or mobile phone number is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive Electronic Communications, we will be deemed to have provided the Electronic Communication to you; however, we may deem your account inactive. You may not be able to transact using our services until we receive a valid, working primary e-mail address from you.

If you use a spam filter or similar software that blocks or re-routes e-mails from senders not listed in your e-mail address book, we recommend that you add PayRewards to your e-mail address book so that you can receive Electronic Communications from us.

You can update your address and contact information by signing into your account profile, reviewing, and updating the information stored on file. If you are experiencing issues, you can contact us at operations@payrewards.com.

Hardware and Software Requirements

In order to access, view, and retain Electronic Communications that we make available to you, you must have:

1. A valid e-mail address or mobile phone number
2. A computer, mobile, tablet, or similar device with internet access and current browser software and computer software that is capable of receiving, accessing, displaying, and either printing or storing Electronic Communications received from us
3. The latest version of any major Browser, such as Chrome, Microsoft Edge, Mozilla Firefox, or Safari (although we strongly recommend using Chrome on desktop and Android, and Safari on iOS as the most suitable Browsers for accessing Electronic Communications from us)
4. Supported operating systems: current version of Windows or Mac
5. Supported mobile operating systems: current version of Android or iOS
6. Adobe Acrobat Reader® updated to the current version
7. Sufficient storage space to save Electronic Communications (whether presented online, in e-mails, texts, or PDF) or the ability to print Electronic Communications

We define “current version” as a version of the software currently supported by its publisher. We reserve the right to discontinue support of a current version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for our use of electronic communications.

If there is a substantial change in these requirements, you will be notified of the requirement changes accordingly. We may request that you respond to an e-mail to demonstrate you are able to receive Electronic Communications.

Federal Law

You acknowledge and agree that your consent to Electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the E-SIGN Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Termination/Changes

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.

Enforceability

Whenever possible, each provision of this Consent will be interpreted in such a manner as to be effective and valid under applicable law. If any provision of this Consent will be prohibited by or invalid under applicable law, such provision will be ineffective only to the extent of such prohibition or invalidity, without invalidating the remainder of such provision or the remaining provisions of this Consent.

Consent

By checking “I Agree” you adopt the check as your electronic signature and you give your affirmative consent for PayRewards to provide Electronic Communications to you as described herein. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send Electronic Communications to you.