We are required by law to provide you with certain information in writing. This means that you have the right to receive that information on paper. With your consent, we may provide it to you quickly and conveniently by showing or delivering the communications to you electronically, and (a) requesting that you print the communications and retain them for your records; (b) requesting that you download the communications and retain them for your records; or (c) store the communications for future reference. THIS AGREEMENT CONTAINS IMPORTANT INFORMATION THAT YOU ARE ENTITLED TO RECEIVE BEFORE YOU CONSENT TO THE ELECTRONIC DELIVERY OF COMMUNICATIONS.

In this agreement, the following terms apply:

“Account” means your loan or any other product or service offered through our website.

“Communications” means any and all documents related to an account, product or service that you obtain from us, including, without limitation, any disclosures, notices, agreements, fee schedules, privacy policy, transaction history, responses, statements, records, documents and other information that we provide to you, or that you sign or submit or accept at our request.

“Online Service” means the www.aofund.org website and any other online account, product or service offered through our website that you sign up for that is not governed by electronic disclosure and consent.

“We”, “us”, “our” means Accion Opportunity Fund (AOF) and/or Accion Opportunity Fund Community Development.

“You” and “your” refer to the person giving this consent, and also to each guarantor identified in any account, product or service you apply for, use or access. Consent by any person on an account to receive electronic communications will apply to all persons on the account.By selecting “Start my loan application”, you agree to the following: you agree to receive electronic communications from us. By accepting this agreement, you agree to conduct account and other transactions with us, whether by using your computer, mobile or other electronic device to receive, view and electronically sign communications. You agree that such electronic signatures will consist of clicking buttons and/or checking boxes where indicated. By accepting this agreement, you consent to receive communications in electronic format for any accounts, products and services you have or request, either now or in the future. Giving your consent does not automatically make you eligible for any account, product or service. We may still choose to provide you with information in paper form, even if you have consented to receive it electronically. In some cases, the law does not allow us to deliver certain communications to you electronically. However, if the law changes in the future and permits additional Communications to be delivered electronically, this agreement will automatically cover those communications as well. ? We may deliver electronic communications to you in a variety of ways. When we deliver electronic communications to you, we will: (1) send them to you by email; (2) post them on our website; (3) present them on screen or for you to download through one of our online banking services (use the “print” or “save” functions to download a copy); (4) include them in other electronic communications we are delivering to you, such as electronic statements; or (5) in the manner specified in any other agreement we have with you. If we do not send you an email or present the information directly to you, we will tell you where you can go to see that information.

If you wish to obtain a new product, service or account with us, we may remind you that you have already consented to receive electronic communications and use electronic signatures in your relationship with us. If you choose not to receive electronic communications or use electronic signatures in connection with the new product, service or account, that choice does not mean that you have withdrawn your consent with respect to any other product, service or account.

You will need some technological tools to receive electronic communications.

To receive and retain our electronic communications, you will need the following: A computer or mobile device with an operating system that supports one of the Supported Operating Systems and Supported Browsers and Document Viewers listed below;

• An Internet connection;
• A current version of a web browser that we support. You should periodically check the system requirements for compatible software updates;
• A hard disk or other data storage unit;
• A valid and active e-mail address; and
• A current version of a program that displays PDF files. ?
• The minimum supported operating system requirements for accessing and maintaining electronic communications are:
• Windows 7 or newer
• Max OS
• Android
• iOS
• Chrome OS supported browsers
• Mozilla Firefox
• Google Chrome
• Opera
• Safari
• Internet Explorer 11 or higher and Edge

If our hardware and software requirements change, and that change would create a material risk that you may not be able to access or retain electronic communications, we will notify you. Continuing to use our electronic services after receiving notice of updates to our system requirements signifies your acceptance of the change and reaffirmation of your consent.

Keep your contact information up to date.

It is your responsibility to keep all of your contact information up to date so that we can send you electronic communications. To update your contact information, please call Customer Service at 888-648-7859 Monday through Friday, 8:00 a.m. to 8:00 p.m. local time, or send an email to servicioalcliente@aofund.org.

You may have the option to receive hard copies.

You may obtain paper copies of electronic communications by printing them or by calling Customer Service at 888-648-7859, Monday through Friday, 8:00 a.m. to 8:00 p.m., local time. Paper copies are free of charge.

You may withdraw your consent to receive electronic communications.

You have the right to withdraw this consent at any time. Withdrawal of consent may terminate your access to online services or you may lose access to certain electronic services. You may also no longer be able to use certain products that are supported electronically. Once we have processed your withdrawal, future communications that must be in writing will be delivered to you on paper. To withdraw your consent to receive electronic communications, you may call Customer Service at 888-648-7859, Monday through Friday: 8 a.m. to 8 p.m., Saturday: 9 a.m. to 12 p.m., local time, or email servicioalcliente@aofund.org.

Your revocation of consent will be effective only after we have had a reasonable opportunity to act on it.