CONSENT TO ELECTRONIC COMMUNICATIONS

By accepting a preapproved offer and/or submitting an application online, you agree to the following and this constitutes your consent for us to send you electronic communications about your preapproved offer, application, and/or Account during the application process. When you successfully consent and submit your acceptance of a preapproved offer and/or application through this website, you have successfully demonstrated that you are able to access the information we have posted on such online website.

Communications:  You consent to receive communications relating to the Account in electronic form. The communications covered by your consent may include, but are not limited to, (i) the initial disclosure statement, (ii) any disclosure required by federal, state or local law, including disclosures under the federal Truth in Lending Act, the federal Fair Credit Reporting Act, and the financial privacy provisions of the Gramm-Leach-Bliley Act, and (iii) other disclosures, notices or communications in connection with your preapproved offer and/or application for an Account.

Withdrawing Consent:   You may not submit your acceptance of a preapproved offer or application online for an Account unless you also provide your consent to receive electronic communications. Because this consent applies only to your acceptance of a preapproved offer and/or submission of an application, and not to any future communications, you do not have an opportunity to withdraw the consent after your acceptance and/or application is submitted.

Hardware and Software Requirements:  In order to access and retain electronic communications, you must have the following:

1. A widely used, recent generation web browser (for example, Internet Explorer, Safari or Firefox);


2. A personal computer or equivalent device capable of connecting to the internet via dial-up, DSL, cable modem, wireless access protocol or equivalent;


3. A widely used, recent-generation portable document file reader; and


4. Sufficient storage capacity on your hard drive or other data storage facility, or a means to print or store notices and information through your browser software.

Paper Copies of Communications: Upon your request, we will provide you with a paper copy of any communication that we provide electronically. If you would like a paper copy of any material, write to us at First Electronic Bank, c/o Genesis FS Card Services, P.O. Box 4477, Beaverton, Oregon 97076. There will be no charge for a paper copy of any material we have provided electronically.