E-SIGN CONSENT

This E-Sign & Electronic Communications Notice ("Notice") describes how LEO and its partners deliver agreements, disclosures, and other communications to you electronically. By accepting this Notice — or by using a LEO product after we provide it to you — you consent to receive these communications in electronic form rather than on paper.

1. Scope of your consent

Your consent applies to every agreement, statement, disclosure, regulatory notice, tax form, account update, and other communication between you and LEO (or any partner involved in providing your LEO product). It applies for as long as you maintain an account with us, and to any subsequent product you open with us.

2. How we deliver communications

• In your LEO app or web account (inbox, settings, or document center).
• By email to the address you provide.
• By SMS or push notification to the phone number or device you register.
• Through a secure link directed to a page you can read or download.

3. Hardware and software you need

To receive electronic communications you need: a device with internet access; a current version of a major web browser (Chrome, Safari, Firefox, Edge); the LEO app on a supported iOS or Android device; an email account capable of receiving HTML messages; software that can open PDF files; and enough storage to retain the documents we send. Most modern phones and laptops meet these requirements out of the box.

4. Updating your contact information

You must keep your email address and phone number current. Update them from the Settings screen of the LEO app or by writing to support@leo.financial. We are not responsible for communications that fail to reach you because your contact information is out of date.

5. Requesting paper copies

You may request a paper copy of any electronic record we have sent you by emailing support@leo.financial. We may charge a reasonable copying or mailing fee in line with applicable law.

6. Withdrawing consent

You may withdraw your consent to receive future electronic communications at any time by writing to support@leo.financial with the subject line "Withdraw E-Sign Consent". Withdrawal of consent does not affect the legal effectiveness or enforceability of records or communications provided electronically before withdrawal. Depending on the product, withdrawing consent may require us to close your account, since paper delivery may not be operationally available.

7. Retention

You should download and retain electronic records that are important to you. We may, but are not obligated to, retain copies of electronic communications indefinitely. Some records will be retained for the period required by applicable law and made available through your account.

8. Federal law

Under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN), agreements, disclosures, and other communications delivered electronically with your consent are legally equivalent to paper. Nothing in this Notice limits your rights under that Act or under state electronic-records laws of equivalent effect.

Questions

If you have questions about this Notice, contact us at support@leo.financial.