E-Sign Disclosure and Consent

Definitions

The words "we," "us," and "our" refer to Alvva Financial, Inc., and our agents, successors, and assignees. The words "you" and "your" mean you, the individual(s) who have established electronic contact with us.

As used in this Consent, "Loan" means any loan you have with us. "Communication" means any customer agreements or amendments thereto; periodic billing or loan statements; disclosures; notices; responses to inquiries, requests or demands; transaction history; privacy policies and all other information related to the Loan, including but not limited to information that we are required by law to provide to you in writing; and communications with regards to other offers from us.

1 Scope of Communications to Be Provided in Electronic Form

You agree that we may provide you with any Communications that we may choose to make available in electronic format, to the extent allowed by law, and that we may discontinue sending paper Communication to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

• All legal and regulatory disclosures and communications associated with your Loan, or any application or inquiry you may make with regard to a Loan or a possible Loan. As an example, you may submit a Loan Application to us by Web interface or e-mail, and we may choose to send by e-mail legally required notification of our responses to your Loan Application.
• Notices or disclosures about a change in the terms of your Loan Rewards.
• Privacy policies and notices.
• Periodic billing statements for your Loan, or such other Communications that we may include from time to time as part of the enrollment in the Rewards program.
• Notices of actions you must take to keep your Loan in good standing.

2 Method of Providing Communications to You in Electronic Form

All Communications that we provide to you in electronic form will be provided either:

• Via e-mail
• By access to a web site that we will designate in an e-mail notice we send to you at the time the information is available
• To the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose
• By requesting you download a PDF file containing the Communication

3 Addresses for Communications

You may communicate with us by:

• Calling us at 909-294-2545
• Contacting us at support@alvva.co or at an on-line portal that you and we have previously used for Communications
• Sending us written notice at:
  Alvva Financial, Inc. - Disclosure Request
  1300 El Camino Real, Suite 100 #58, Menlo Park, CA 94025

These are called our "Communications Addresses."

4 How to Withdraw Consent

You may withdraw your consent to receive Communications in electronic form by calling, e-mailing, or writing us at one of our Communications Addresses.

At our option, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

5 How to Update Your Records

It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to the Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) by calling, e-mailing, or writing us at one of our Communications Addresses.

6 Hardware and Software Requirements

In order to access, view, and retain electronic Communications that we make available to you, you must have:

• Sufficient electronic storage capacity on your computer's hard drive or other data storage unit
• An e-mail account with an Internet service provider and e-mail software in order to participate in our electronic Communications programs
• A personal computer, operating system and Internet connections capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via a plain text-formatted e-mail or by access to our web site using one of the browsers specified below
• Adobe Reader version 8.0 or higher
• Microsoft Explorer, Google Chrome, Mozilla Firefox, and either a printer, a hard drive, or other storage device
• A valid email address

7 Requesting Paper Copies

We will not send you a paper copy of any Communication which is available electronically, unless you request it, or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, call, e-mail, or write us at one of our Communications Addresses. 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.

8 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 for your records a copy of this Consent and any other Communication that is important to you.

9 Federal Law

You acknowledge and agree that your 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, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

10 Termination / Changes

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. If we do so, we will provide you with notice of any such termination or change as required by law.