YOUR CONSENT TO ELECTRONIC DELIVERY

("Consent Statement")

Thank you for applying for Kem Card. If you consent to this Consent Statement for this Program, the terms will apply even if you do not obtain (or are not offered) the service.

Your affirmative consent to this E-sign & Electronic Communications Notice (“Consent”) permits Kem to provide you with Communications electronically, enables you to sign and authorize Communications electronically through the use of Kem and allows Kemfinity s.r.o and its partners to collect such e-signatures. If you do not consent to the electronic delivery of Communications, you will not be able to use the service. By registering for an account, applying for a card, or accessing the Kem, you agree that such registration constitutes your electronic signature, and you consent to us providing notices to you and any relevant administrators or users electronically. You understand that this consent has the same legal effect as a physical signature.

Access to Paper Copies

You have the right to receive legal disclosures, notices, and communications (together, the "Covered Items") in paper form by mail. We may instead provide these Covered Items to you electronically if you:

1. Give us your Consent to do so.
2. Satisfy the System Requirements below.

For purposes of this Consent Statement, the Covered Items include all servicing and collection communications on your account, as well as all legal disclosures, notices, and communications that we are required to provide in writing regarding the account.

In this Consent Statement, “we,” “us,” and “our” refer to Kem and its authorized partners.

Duration of Consent

Your Consent will remain effective until:

1. You or we terminate the program or account; OR
2. You opt out of electronic communications.

If you terminate your account, your Consent will continue with respect to pre-termination rights (including rights created by your Consent to this Consent Statement).

Methods of Providing Covered Items

In this document, "provide" means to deliver, make available, send, notify, or use a similar term. We may provide the Covered Items electronically through files, including those in PDF format, downloaded from kemapp.io. It is your responsibility to review the Covered Items promptly so you can take appropriate action.

Access to Paper Copies

• You can make copies of the Covered Items by using the "print" or "save" functionality of the application in which you are viewing the Covered Items (e.g., Web browser, PDF viewer).
• We retain copies of the Covered Items for the time periods required by law and will provide you with copies upon request within those time periods.