This Electronic Communications Agreement ("Disclosure") applies to all communications related to the prepaid debit account ("Deposit Account" or "Account") and accompanying services available through expensify.com (the "Website") or the Mobile Application ("Mobile App"). This Disclosure supplements and is to be construed in accordance with the terms of the agreement ("Agreement") you received when you obtained the Account.

"We," "us," and "our" refer to Expensify Payments LLC, "Bank" means The Bancorp Bank."You" and "your" refers to the owner of the Account. "Communication(s)" means any customer agreement or amendments thereto; disclosure; notice; response to claims; transaction history; privacy policy; and all other information related to the Account and related products and services, including but not limited to information that we are required by law to provide you in writing.

The Account is intended for use only by person(s) who are willing and able to receive notices and communications exclusively through the Website, the Mobile App or via electronic mail ("E-mail"). If you do not agree to receive the legally-required notices and communications described herein in electronic and not paper form, then you may not open an Account. Similarly, if after providing consent hereunder, you withdraw it, we reserve the right to close the Account and terminate your participation in the Deposit Account program.

1. Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this Disclosure applies, you agree that any Communications will be provided in electronic format, to the extent allowed by law, and that paper Communications will not be sent. You consent to receive electronic Communications and transactions includes, but is not limited to:

• All legal and regulatory disclosures and communications associated with the Account and any related products or services;

• The Agreement and any notices about changes in terms;

• Privacy policies and notices;

• Responses to claims filed in connection with the Account;

• Notices regarding insufficient funds or negative balances; and

• All other communications between us and Customer concerning the Account and any related transactions, products or services.

2. Method of Providing Communications in Electronic Form. All communications that we provide in electronic form will be provided either (1) by E-mail or (2) by access to the Website, or (3) through the Mobile App. 

3. How to Withdraw Consent. You may withdraw consent to receive Communications in electronic form by [contacting concierge@expensify.com)]. If you withdraw consent, the Account will be closed and a balance refund may be issued via direct deposit in your external bank account in accordance with the terms of the Agreement. If you withdraw consent and you have no external bank account, balance refund may be issued via check in accordance with the terms of the Agreement. If you withdraw consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.

4. How to Update Records. It is your responsibility to provide us with a true, accurate and complete E-mail address, contact, and other information related to this Disclosure and the Account, and to maintain and update promptly any changes in this information. You can update information (such as the E-mail address) via email to concierge@expensify.com or in product. We are not responsible for any delay or failure in the receipt of the Communications if we send the Communications to the last E-mail address you provided to us.

5. Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available, you must have: (1) A valid email address; (2) a computer or other mobile device (such as tablet or smartphone) that operates on a platform like Windows or a Mac environment; (3) a connection to the internet such as Internet Explorer 11 (or higher), Mozilla Firefox 30, Safari 7,or Chrome 29; (4) a Current Version of a program that accurately reads and displays PDF files, such as Adobe Reader version 7 or higher; (5) a printer to print out and save Communications in paper form or electronic storage to retain Communications in an electronic form; (6) a computer or device and an operating system capable of supporting all of the above. "Current Version" means a version of the software that is currently being supported by its publisher and that accurately reads and displays PDF files. We may update these requirements as necessary to preserve the ability to receive electronic Communications. If there is a substantial change in these requirements, you will be notified of the changes accordingly. 

6. Requesting Paper Copies. We will not send paper copies of any Communication, however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically. You can obtain a paper copy of an electronic Communication by printing it or by requesting that we mail a paper copy. To request a paper copy, please email concierge@expensify.com with your request. There is no charge for obtaining a paper copy.

7. Communications in Writing. All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download a copy of this Disclosure and any other Communications.

8. Federal Law. You acknowledge and agree that consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the "Act"), and that you and we both intend that the Act apply to the fullest extent possible to validate our mutual ability to conduct business by electronic means.

9. Termination/Changes. We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.

10. Consent. By checking "I agree," you adopt the checkmark as your electronic signature and you give us your affirmative consent to receive electronic Communications as described herein. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with your current E-mail address to which we may send you electronic Communications.