ESIGN - CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT

Please read this Agreement and Disclosure carefully and print a copy and/or retain this information electronically for future reference.

INTRODUCTION You are submitting a request for Carolina Trust Federal Credit Union’s Skip-A-Pay Promotion. In order to do this, we need you to consent to our giving you certain disclosures electronically. This document informs you of your rights when receiving legally required disclosures, notices and information from the Credit Union. By completing and submitting an application through us, you acknowledge receipt of this document and consent to the electronic delivery of such Disclosures. All agreements with the Credit Union are subject to the terms and conditions of your Credit Union Membership Agreement ELECTRONIC COMMUNICATIONS Any disclosures related to your request will be provided to you electronically through www.carolinatrust.org. However, if you wish to obtain a paper copy of any of the Disclosures, you may write to us at: PO Box 780004, Myrtle Beach, SC 29578-7804, with the details of your request. Paper copies will be provided to you at no charge. SCOPE OF CONSENT Your consent to receive disclosures and to do business electronically, and our agreement to do so, only applies to this Request.

ACCESS REQUIREMENTS To access and retain the disclosures electronically requires a standards- compliant web-browser installed on a computer or mobile device, which supports the HTTPS protocol, HTML, and cookies. Viewing PDF documents requiring additional software such as Adobe Reader® or similar. Please refer to the Minimum Hardware and Software Requirements section of the Digital Banking Agreement and Disclosure for additional information.

WITHDRAWING CONSENT You may withdraw your consent to do further business electronically with us at no cost to you. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic disclosures will not be affected.

CHANGES TO YOUR CONTACT INFORMATION You should keep us informed of any change in your electronic or mailing address. You may notify Carolina Trust Federal Credit Union at: PO Box 780004, Myrtle Beach, SC 29578-7804 regarding any such changes. YOUR ABILITY TO ACCESS DISCLOSURES BY COMPLETING AND SUBMITTING YOUR REQUEST, YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE ELECTRONIC DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE. CONSENT BY COMPLETING AND SUBMITTING YOUR REQUEST, I/WE CONSENT TO HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO ME/US IN ELECTRONIC FORM AND TO DOING BUSINESS WITH CAROLINA TRUST FEDERAL CREDIT UNION ELECTRONICALLY. I/WE AGREE TO THE SAME TERMS THAT APPLY TO A SIGNED APPLICATION OR AGREEMENT; AND I/WE AGREE THAT SUBMITTING THIS CONSENT OR ACCEPTING THESE TERMS CONSTITUTES MY/OUR SIGNATURE AS THOUGH SAME WERE PHYSICALLY SIGNED BY ME/US. IF THERE IS A CO APPLICANT OR USER, I/WE REPRESENT AND WARRANT, THAT SUCH CO-APPLICANT OR USER HAS AUTHORIZED THE SUBMISSION OF THIS APPLICATION. THIS ELECTRONIC SUBMISSION/CONSENT QUALIFIES AS MY/OUR SIGNATURE FOR ALL PURPOSES AND USES WHATSOEVER.