Electronic Consent Disclosure

1. Consent to Electronic Communications

By agreeing to this Electronic Consent Disclosure (“Disclosure”), you consent to receive all communications, disclosures, agreements, notices, and other documents (“Communications”) electronically instead of in paper form. These Communications may include, but are not limited to:

• Agreements and contracts
• Legal and regulatory disclosures
• Account-related notices
• Billing statements and payment confirmations
• Privacy policies and updates
• Other important information related to your transactions

2. Methods of Electronic Communication

We may provide Communications electronically through:

• Email at the address you provided
• Website notifications
• SMS/text messages
• Online portals or mobile applications

You agree that electronic Communications will be deemed “in writing” for all legal purposes.

3. Right to Paper Copies

You may request a paper copy of any electronic Communication at no cost by contacting us at [email protected]. We will send a paper copy to your mailing address on file within a reasonable time.

4. Withdrawing Consent

You may withdraw your consent to receive Communications electronically at any time by notifying us at [email protected]. Withdrawal of consent may result in delays, additional fees, or restrictions on certain services.

5. Updating Your Contact Information

It is your responsibility to keep your email address and other contact information up to date. You may update your contact information by logging into your account or contacting us directly.

6. System Requirements

To access and retain electronic Communications, you must have:

• A device (computer, smartphone, tablet) with internet access
• A valid email account
• A web browser with up-to-date security encryption
• Software capable of opening PDF documents (such as Adobe Reader)
• Sufficient storage space or a printer to save or print documents

7. Acknowledgment and Agreement

By clicking “I Agree,” checking a box, or otherwise providing your electronic consent, you confirm that:

• You have read and understand this Disclosure.
• You consent to receive electronic Communications.
• You meet the system requirements for receiving and retaining electronic documents.

If you do not consent to receive Communications electronically, please do not proceed with this transaction online and contact us for paper-based alternatives.

What does Paired Digital Services do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income
• Account balance and payment history
• Credit history and employment information

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Paired Digital Services chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	What do we share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions,maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes — information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes — information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For our non-affiliates to market to you	No	We don't share

Questions?

Call

Who we are

Notice provided by Paired Digital Services

What we do

How is my personal information protected?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings

How is my personal information collected?

We collect your personal information, for example, when you

• Apply for financing
• Give us your income information or provide employment information
• Provide account information or give us your contact information

We also contact your personal information from others, such as credit bureaus, affiliates or other companies

Why can’t I limit all sharing?

Federal law gives you the right to limit only

• Sharing for affiliates’ everyday business purposes—information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

• Our affiliates include companies with a Paired Digital Services name

Non-Affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

• Paired Digital Services does not share with non-affiliates, so they can market to you

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

• Our Joint marketing partners include finance companies

Terms and Conditions of Use

Welcome to Pre-Pair, Inc. (“Pre-Pair”, “we,” “our,” “us”). These Terms and Conditions apply to our website located at www.pre-pair.com, and all associated linked sites. Pre-Pair and its associates & partners provide their services to you subject to the following conditions. By continuing on to the website, you accept these conditions. Please read them carefully. THIS TRANSACTION IS NOT AN APPLICATION FOR CREDIT

PRIVACY

Please review our Privacy Notice, which also governs your visit to our website, to understand our practices.

ELECTRONIC COMMUNICATIONS

When you visit https://www.pre-pair.com/ or send e-mails or submit electronic messages and/or requests to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

COPYRIGHT

All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Pre-Pair or its content suppliers and protected by international copyright laws. The compilation of all content on this site is the exclusive property of Pre-Pair, with copyright authorship for this collection by Pre-Pair, and protected by international copyright laws.

TRADE MARKS

Pre-Pair trademarks and trade dress may not be used in connection with any product or service that is not Pre-Pair, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Pre-Pair. All other trademarks not owned by us or our subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Pre-Pair or its subsidiaries.

LICENSE AND SITE ACCESS

Pre-Pair grants you a limited license to access and make personal use of this site. The license does not grant you the right to download (other than page caching) or modify the content, or any portion of it, except with our express written consent. This license does not include any resale or commercial use of this site or its contents: any derivative use of this site or its contents: any downloading or copying of account information for the benefit of another merchant: or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Pre-Pair. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Pre-Pair and our associates without express written consent. You may not use any meta tags or any other "hidden text" utilizing Pre-Pair name or trademarks without our express written consent. Any unauthorized use terminates the permission or license granted by Pre-Pair. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Pre-Pair so long as the link does not portray Pre-Pair, its associates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use Pre-Pair logo or other proprietary graphic or trademark as part of the link without express written permission.