Electronic Communication and E-Sign Agreement

Updated August 2022

Introduction

This Electronic Communication and E-Sign Agreement (the “Agreement”) allows us to provide you with an electronic version of important notices and documents associated with products and services offered by Futr, Inc.(“Future”). For purposes of this Agreement, the words “we,” “our,” and “us” mean Future, affiliates, successors, and assigns. The words “you” and “your” means each applicant, account owner, and anyone else with access to a Future account. If there is more than one owner, then these words mean each account owner separately, and all account owners jointly.

You agree to receive electronic Communications from us.

We are required by law to give you certain information in writing. This means you have the right to receive that information physically, on paper. With your consent, Future will send that information to you electronically, instead, in accordance with the federal Electronic Signatures in Global and National Commerce Act (“E-Sign Act”). By consenting to this Agreement, you consent to receive Communications in electronic form for any Future products, services, and/or accounts that you apply for or obtain, either now or in the future. You also consent to the use of electronic signatures in your relationship with Future. "Communications" includes each disclosure, notice, agreement, privacy policy, statement, record, document, and other information that may be required or otherwise provided during the business relationship between you and Future. We reserve the right to provide Communications in paper form.

We may deliver electronic Communications to you in several ways.

Electronic Communications may be posted within the Future website and/or delivered to the email address you provided to Future. It is your responsibility to keep current your contact information associated with your Future account so that we can send you electronic Communications. You can update your email address and other contact information from your account settings within the Future website, mobile app, or by contacting Future at support@future.green.

You can withdraw your consent to receive Electronic Communications.

You have the right to withdraw your consent to receive electronic Communications. If you withdraw your consent, we will terminate your Future account and related services, including your use of the Future online applications. To withdraw your consent, please contact Future at support@future.green.

You have the right to request documents physically, on paper.

You will have the right to request any Communications covered by this Agreement in physical, paper form. To receive a paper copy of any document that has been previously provided to you, please contact customer service at support@future.greenThere is no cost for requesting paper documents. Future Communications will continue to be delivered electronically unless you withdraw your consent, as described below. We reserve the right to terminate our relationship if we are unable to support certain requests for paper documents.

Minimum system requirements for accessing electronic Communications.

To access electronic Communications, you will need certain browser and encryption software that meet these requirements. Our system requirements are:

1. A mobile device running Apple iOS 13.0+ or Android 5.0+.
2. A computer capable of running a modern web browser like, Microsoft Edge, Safari 13 +, Chrome 48 +, or Firefox 68 +.
3. The ability to view and retain Portable Document Format (PDF) files.
4. The ability to receive text messages to allow for two-factor authentication.

By consenting to this Agreement, you confirm that the electronic device you use to access Future products and services meets the minimum specifications and requirements outlined above. If a change in these hardware or software requirements creates a substantial risk that you will not be able to access or retain electronic Communications, Future will provide you with notice of such change. Continued use of our electronic services after any such notice signifies your acceptance of the change and reaffirmation of your consent.

Customer consent.

By checking the "I Accept" box at account opening, you consent to the electronic delivery of all Communications. You cannot open this account without acceptance of this Agreement. You confirm that you have access to an electronic device that satisfies our minimum system requirements, and that you have access to a printer and/or the ability to download information. By consenting to electronic delivery of Communications, you also agree that Future will not be providing to you any future Communications in paper form unless specifically requested by the means defined above. You should retain a copy of this Agreement and all other Communications for your records.

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