E-SIGN Consent Agreement

Effective as of August 4, 2025

Consent to Electronic Communication

As used in this E-Sign Consent, “Account” means all accounts, products or services you have with us. The words “we” or “us” or “our” refer to Plata Financial Inc. (“Plata”) and its partners and affiliates. The words “I” or “you” or “your” mean each holder of an Account with or through us. This E-Sign Consent disclosure covers all of your Accounts with or through us.

We would like to communicate with you using electronic means. When you agree to this E-sign Consent Agreement (“Agreement” or “Disclosure”) by clicking Accept in the Application, this tells us:

• You can access and view this disclosure

• You agree to receive any electronic communication from us for any purpose, and consent will apply to all future communications and disclosures unless and until you withdraw consent as described below.

• You agree to receive an electronic version of any written notice or disclosure we must send you under law (“Legal Disclosures”). This may include, but is not limited to  periodic, annual, monthly or other statements, disclosures, and notices relating to the maintenance or operation of an Account¹.                                          

• You agree that we may use electronic signatures and obtain them from you as part of our transactions with you

• You understand that to receive electronic communications, including Legal Disclosures, you must meet the requirements specified under Technology Requirements below

When we send electronic communications (including Legal Disclosures) subject to applicable law, it may come in the form of the following: 

• An update to the Plata App and Website

• As an email, text, or communication on social media

• As a notification on mobile, tablet, or wearable devices

• Through other electronic means

These communications may be delivered in various formats, including direct links or downloadable files such as PDFs. All notices by any electronic methods will be considered to be received by you no later than the earlier of when received or posted, or 24 hours after sent. We may also send notices to you by mail to any postal address that you have provided to us. Any notice provided by postal mail will be deemed received by you no later than the earlier of when received or three (3) business days after it is mailed.

Providing Consent

You acknowledge and agree that this Consent is being provided in connection with a transaction affecting interstate or foreign commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the "E-SIGN Act"), and that you and we both intend that the E-SIGN Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

This Consent does not apply to any communication that we determine, in our sole discretion, we are required to deliver in paper form under applicable law or you should receive in paper rather than electronic form. We reserve the right, in our sole discretion, to discontinue electronic communications with you, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such termination or change as required by law. Your continued use of the Services after we provide such notice is affirmation of your consent to those changes.

You will be asked to acknowledge your acceptance of this Consent before you are able to continue with your application. In doing so, you are providing your affirmative consent to use electronic communications. By accepting this Consent, you are also confirming that you meet the system requirements described in this agreement, that you have demonstrated your ability to receive, retain, and view electronic documents on your device, and that you have a current email address.

Technology Requirements

In order to receive electronic communications, including Legal Disclosures, you must have:

• A computer or mobile device and telecommunications connections to the Internet or data plan provided by your wireless carrier capable of receiving, accessing, displaying, and either printing or storing communications received from us in electronic form

• iPhone versions iOS 13 or newer

• A web browser that includes 128-bit encryption, with cookies enabled

• A valid email address and phone number

• Sufficient storage space to save electronic communications, including Legal Disclosures or an installed printer to print them

• The ability to view and retain Portable Document Format (PDF) files

We may change these requirements, but we will notify you promptly of any material changes.

Paper Versions

If you would like a paper copy of any electronic communication, including Legal Disclosures we send you, please contact us at ayuda@conplata.com or (855) 635-2022 and we will mail one to you at no cost.

Withdrawing Consent

If you would like to withdraw your Consent to receive Communications in electronic form, you can tell us at any time by emailing ayuda@conplata.com. If you withdraw your consent, (i) we may immediately suspend or terminate any Account with us, (ii) you will remain responsible for any amounts that you owe us or may come due under any such Account, and (iii) the legal validity and enforceability of prior communication delivered in electronic form will remain in full force and effect.

Any withdrawal of this Consent will be effective only after we have a reasonable period of time to process your withdrawal request. Withdrawal will not affect any Communications we provided to you prior to your withdrawal, and we will send any required further Communications to you in paper form. We will not impose any fee in connection with any withdrawal of this Consent or any Communication provided in paper form.

Updating Your Records

You must immediately notify us of any change to your email address, contact information and other information related to this Consent and your Account. You can update this information in the Plata App or by contacting us by email at ayuda@conplata.com or by phone at (855) 635-2022.

Saving and Reviewing this Consent

The Agreement should be printed or saved for your records.