Terms of Electronic Communications

Promise Network Inc., our aliates, assignees and their service providers (“we”, “us” or“our”) process and communicate information electronically. In order to use our serviceand obtain a Payment Plan, and in order to view and retain a copy of the relatednotices, disclosures, any agreement, this consent to Electronic Communications, theTruth in Lending disclosures set forth in the loan agreement, change in terms notices,fee and transaction information, statements, delayed disbursement letters, consumerdisclosures, state-mandated brochures and disclosures, adverse action notices, andany other information related to your Payment Plan (collectively, “ElectronicCommunications”), you must consent to receive all Electronic Communicationselectronically by checking the “I Agree” box.

All Electronic Communications to you from us or our lending partners will be consideredto have been made “in writing.” You should print or download a copy of this consent foryour records.

This consent applies to all interactions online concerning you and us and includes thoseinteractions engaged in on any mobile device, including phones, smart-phones, andtablets. By agreeing to this consent to Electronic Communications, you agree that all ofour interactions with you and all information will be processed electronically. You alsoagree that your consent applies during the full course of our relationship with you.Electronic Communications may be provided by access to our online platform orthrough your designated e-mail address as either email attachments or as linksembedded in emails that access a website that we own or control. Notwithstanding yourconsent to Electronic Communications, we may send you paper copies of documents,disclosures and notices.

Required Hardware and Software

To access and retain Electronic Communications, at a minimum you will need to use thefollowing computer software and hardware: a mobile phone capable of accessing theInternet, access to an e-mail account and an SSL-enabled modern web browser thatsupports HTML 5, JavaScript and CSS3. You will also need software capable of readingPDF files and have sucient electronic storage capacity on your hard drive or other datastorage facility, or a means to print or store notices and information through yourbrowser software. By checking the “I Agree” box, you are agreeing and confirming thateach device you use satisfies each of these requirements. If these requirements changewhile you are maintaining an active relationship with us and the change creates amaterial risk that you may not be able to receive Electronic Communications, we willnotify you of these changes.

No Right to Paper or Non-Electronic Records

Electronic Communications are generally not available on paper or in a non-electronicform from us. If you do not consent to the use of Electronic Communications, you willnot be able to use our service to obtain a loan. However, we may at our option provide acopy of an Electronic Communication in paper-based media as requested by you. Youmay request a paper copy of any Electronic Communication by e-mailing your requestto us at: ticketpayments@joinpromise.com. If we agree to provide the requested papercopy of an Electronic Communication, we may charge you our current fees and chargesfor providing the paper copy. Requesting paper copies of Electronic Communicationsdoes not withdraw your consent to receive Electronic Communications electronically.

Withdrawing Your Consent

You may withdraw your consent to receive Electronic Communications or to the use ofelectronic signatures in connection with any future transactions with us at any time. Wewill not charge you any fees for withdrawing your consent. If you decide you do not wantto receive Electronic Communications, or do not want to use electronic signatures inconnection with any future transactions with us, you may withdraw your consent bycontacting us via email. The legal effectiveness, validity, and enforceability of priorelectronic disclosures will not be affected if you withdraw your consent. Regardless ofthe status of your consent, you agree that we may continue to communicate with youelectronically with respect to any document, disclosure or notice that is not required bylaw to be in writing. If you withdraw your consent to receive Electronic Communicationselectronically, it will significantly slow the speed at which we can deliver services to you.

Updating Your Contact Information

You should keep us informed of any change in your electronic address or mailingaddress. You may update such information by visiting our website and providing theupdated information.