ESIGN Consent to Use Electronic Records and

Signatures (ESIGN Consent)

effectively manage your accounts. Our goal is to provide you with as many options as possible for

receiving your account documents. We are required by law to give you certain information “in writing”

– which means you are entitled to receive it on paper. However, with your prior consent, we may

instead provide this information to you electronically. We also need your general consent to use

electronic records and signatures throughout our relationship with you. So, before you use any of our

Electronic Services (as defined below), you must review and consent to the terms outlined below.

In this ESIGN Consent:

▪ "We," "us," "our" and "Seen Finance Inc." means Seen Finance Inc., Coastal Community Bank
and any of its assigns and affiliates.

▪ “You” and “your” means the person giving this ESIGN Consent, and also each additional
account owner, authorized signer, authorized representative, delegate, product owner and/or

service user identified on any Seen Finance Inc. product that you apply for, use or access.

▪ “Communications” means each disclosure, notice, agreement, fee schedule, statement, record,
document, and other information we provide to you, or that you sign, submit, or agree to at

our request.

▪ “Electronic Service” means each and every product and service we offer that you apply for,
use, administer or access using the Internet, a website, email, messaging services (including

text messaging), and/or software applications (including applications for mobile or hand-held

devices), either now or in the future.

▪ “Seen Finance Inc.” means each and every account, product, or service we offer that you
apply for, own, use, administer or access, either now or in the future. Seen Finance Inc.

Products include Electronic Services.

▪ The words “include" and "including," when used at the beginning of a list of one or more
items, indicates that the list contains examples; the list is not exclusive or exhaustive, the

items in the list are only illustrations, and the items are not the only possible items that

could appear in the list.

In our sole discretion, the Communications we provide to you, or that you sign or agree to at our

request, may be in electronic form (“Electronic Records”). Examples of types of Communications we

might send to you as Electronic Records under this consent include, but are not limited to:

1. This ESIGN Consent and any amendments;

2. Our Terms of Use, other service or user agreements for online access to our Electronic

Services, and all amendments to any of these agreements;

3. All of the Communications related to any Seen Finance Inc., except for those excluded by the
terms of this ESIGN Consent;

4. When we have the capability, all of the periodic account and activity statements, disclosures

and notices we provide to you concerning your Seen Finance Inc. Products; you can opt out

of receiving paperless disclosures by calling 833-923-7336;

5. Any notice or disclosure regarding fees or assessments of any kind, including late fees,

overdraft fees, over limit fees, and returned item fees, as applicable;

6. Notices of amendments to any of your agreements with us; and

7. Other disclosures and notices that we are legally required to provide to you, or choose to

provide to you in our discretion.

We may also use electronic signatures and obtain them from you as part of our transactions with you.

Electronic Records may be delivered to you in a variety of ways, including via electronic mail at the

electronic mail address you provide, or in your online account center. In some cases, you will be able
to choose whether to receive certain Communications electronically, or on paper, or both. We will

provide you with instructions on how to make those choices when they are available.

We may always, in our sole discretion, provide you with any Communication via paper, even if you

have chosen to receive it electronically.

Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still

provide these notices to us on paper, unless we specifically tell you in another Communication how

you may deliver that notice to us electronically.

even with your consent. So long as required by law, we will continue to deliver those Communications

to you in writing. However, if the law changes in the future and permits any of those Communications

to be delivered as Electronic Records, this ESIGN Consent will automatically cover those

Communications as well.

2. Your option to receive paper copies.

If we provide Electronic Records to you, and you want a paper copy, you may contact us at 866-723-

9336. YYou may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable

law. Please refer to the applicable statement or agreement for any fee that may apply for paper

copies.

3. Your consent covers all Seen Finance Inc. Products; Privacy Policies.

Your consent covers all Communications relating to any Seen Finance Inc. product. Your consent

remains in effect until you give us notice that you are withdrawing it. If you wish to continue

receiving Electronic Communications but prefer to receive your periodic statements in paper form,

please call us at 833-923-7336.

From time to time, you may seek to obtain a new Seen Finance Inc. product from us. When you do,

we may remind you that you have already given us your consent to use Electronic Records and

signatures. If you decide not to use Electronic Records and signatures in connection with the new

product or service, your decision does not mean you have withdrawn this consent for any other Seen

Finance Inc. product.

You agree that we may satisfy our obligation to provide you with an annual copy of our Privacy Policy

by keeping it available for review on www.seen.com, the Seen mobile application, or, with prior notice
to you, on another website where we offer Electronic Services.

4. You may withdraw your consent at any time; How to give notice of
withdrawal.

You have the right to withdraw your consent at any time.

Your withdrawal of consent will become effective after we have had a reasonable opportunity to act

upon it.

We offer the option of opting out of electronic statements only, while receiving all other disclosures
electronically.
To withdraw your consent entirely, or to opt out of paperless statements only:

▪ Contact us at 833-923-7336, or help@seen.com .

5. You must keep your email or electronic address current with us.

You must promptly notify us of any change in your email or other electronic address. Sign on to

www.Seen.com or the Seen mobile application to update your contact information and change the

email address on record for you.

6. Hardware and software you will need.

To receive Electronic Records, you must have access to:

▪ A device with an internet connection and an up-to date browser capable of opening portable
document formats (“PDF”), such as Mozilla Firefox (see www.mozilla.com for current

version), Google Chrome (see https://www.google.com/chrome/ for the current version), or

Safari (see https://www.apple.com/safari for the current version);

▪ A valid email address that has been provided to us. a computer and an operating system
capable of supporting all of the above. You will also need a printer if you wish to print out

and retain records on paper, and electronic storage if you wish to retain records in electronic

form, and

▪ an active email address.

You acknowledge that you can receive, access, download, print and save communications in the

formats described herein. For access and optimal printing of your documents in PDF format, please

download Adobe Acrobat Reader (to install the free version of Adobe Reader click here:
http://get.adobe.com/reader/otherversion/). You acknowledge that you can access the electronic

Communications in the designated formats described herein.

In some cases, you may also need a specific brand or type of device that can support a particular

software application, including an application intended for particular mobile or handheld devices.

By “Current Version,” we mean a version of the software that is currently being supported by its

publisher.

From time to time, we may offer services or features that require that your Internet browser be

configured in a particular way, such as permitting the use of JavaScript or cookies. If we detect that
your Internet browser is not properly configured, we will provide you with a notice and advice on how

to update your configuration.

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 use with Electronic Services.

7. Changes to hardware or software requirements.

If our hardware or software requirements change, and that change would create a material risk that

you would not be able to access or retain your Electronic Records, we will give you notice of the

revised hardware of software requirements. Continuing to use Electronic Services after receiving

notice of the change is reaffirmation of your consent.

8. Your enrollment in Electronic Services using our equipment.

If you utilize an Electronic Service through one of our customer service representatives or using our

equipment, your enrollment may not be complete until you take additional action. We will advise you,

at the time of your enrollment, of any additional action you must take. If you take the required action,

it is an affirmation of your consent to use Electronic Records and signatures under the terms of this

ESIGN Consent.

By providing your consent, you are also confirming that you have the hardware and

software described above, that you are able to receive and review Electronic Records, and

that you have an active email account. You are also confirming that you are authorized to,

and do, consent on behalf of all the other account owners, authorized signers, authorized

representatives, delegates, product owners and/or service users identified with your Seen

Finance Inc. Products.