Your Consent. By accepting and agreeing to this ESign Agreement (“Agreement”), you consent to use electronic signatures and to electronically receive all records, notices, statements, communications, and other items for all services provided to you under the Terms of Service and/or the FCTI Terms of Service or in connection with your relationship with us (collectively, “Communications”) that we may otherwise be required to send or provide you in paper form (e.g., by mail), to the extent permitted by applicable law. Such services include but are not limited to TAPT Debit and TAPT Money, both of which are issued by Sutton Bank. In this Agreement, “we,” “us,” and “our” mean FCTI, Inc. (“FCTI”), and its successors, assigns, agents, bank partners, and service providers, and “you” and “your” mean the individual giving consent. By applying for and/or using a service to which this Agreement applies, you represent that: (1) you have read and understand this consent to use electronic signatures and to receive Communications electronically; (2) you satisfy the minimum hardware and software requirements specified below; and (3) your consent will remain in effect until you withdraw your consent as specified below.

Your Right to Withdraw Your Consent. Your consent to receive Communications electronically will remain in effect until you withdraw it. You may withdraw your consent to receive further Communications electronically at any time by calling 888-721-3821. If you withdraw your consent to receive Communications electronically, you will no longer be able to participate in the TAPT program, and we will take the following actions, as applicable:

1. close your TAPT Debit account (“Account”) and return your remaining Account balance as set forth in the Demand Deposit Account Agreement, and you will no longer be able to use your TAPT debit card, except as expressly provided in the Demand Deposit Account Agreement; and 
2. close your TAPT Money Line of Credit and exercise any of our rights as set forth in the Open-End Line of Credit Agreement. Your obligations under the Open-End Line of Credit Agreement continue even after your TAPT Money Line of Credit is closed, and you must pay all amounts owed.

Any withdrawal of your consent to receive Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal. Please note that your withdrawal of consent to receive Communications electronically will not apply to Communications electronically provided by us to you before the withdrawal of your consent becomes effective.

Hardware and Software Requirements. In order to access and retain Communications provided to you electronically, you must have: (1) a valid email address; (2) a computer or other mobile device (such as tablet or smart phone) that operates on a platform like Windows or a Mac environment; (3) a connection to the Internet; (4) a Current Version of Internet Explorer 8 (or higher), Mozilla Firefox 7.0, Safari 5, or Chrome 15; (5) a Current Version of a program that accurately reads and displays PDF files, such as Adobe Acrobat Reader version 7 or higher; (6) a computer or device and an operating system capable of supporting all of the above; and (7) a printer to print out and save Communications in paper form or electronic storage to retain Communications in an electronic form. “Current Version” means a version of the software that is currently being supported by its publisher. 

Copies of Communications. You should print and save and/or electronically store a copy of all Communications that we send to you electronically. 

Address or Name Changes. You are responsible for notifying us of any change in your name, physical address, mailing address, email address, or phone number. To do so, you must call us at 888-721-3821. Requests for address or name changes may be subject to additional verification requirements.

We will attempt to communicate with you only by use of the most recent contact information you have provided to us. You agree that any notice or communication sent to you at an address noted in our records shall be effective unless we have received an address change notice from you.

We cannot accept responsibility for any email messages not received by you or for any delay in the receipt or delivery of any email notification. If you make your email account available to any other individual, you agree that you are responsible for any release of any information about your account(s) or other services to such individual.