In this PayPal Credit E-Sign Consent, the following definitions apply:

• "You" and "your" mean the person who is asking to use PayPal Credit for purchases and/or cash advances.
• "We," "us," and "our" mean the Lender and, following an assignment, any person, company, or bank to whom the rights of the Lender have been assigned.
• "Disclosures" mean important communications and other information relating to your application for and/or use of PayPal Credit, including but not limited to agreements (including the optional Payment Security agreement and related notices), privacy notices, billing statements and changes in terms.

By clicking the "Agree and Continue" button or similar button which you hereby adopt as your electronic signature, you consent and agree that:

• We can provide Disclosures required by law and other information about your legal rights and duties to you electronically.
• Your electronic signature on agreements and documents has the same effect as if you signed them in ink.
• We can send all Disclosures to you electronically via our website or to the email address that you have provided to PayPal rather than in paper form.
• We may alert you when the Disclosures are available by sending you an electronic communication.
• Our email will tell you how you can view the Disclosures.
• We will make the Disclosures available to you for not less than 90 days from the date they first became available to you.
• You will be able to print a copy of the Disclosures or download the information for your records.
• This consent applies to this application, all future Disclosures you receive, and to all future transactions in which you use PayPal Credit, at any time unless you have, prior to such transaction, withdrawn your consent by the procedure mentioned below.

You understand that, in order to access and retain electronic Disclosures, you will need the following:

• A computer or mobile device with an Internet connection.
• A current web browser that includes 2048-bit encryption (e.g. Firefox version 27.0 and above, Chrome version 33.0 and above, or Safari version 7.0 and above) with cookies enabled.
• A valid email address on file for your PayPal Credit account.
• Sufficient storage space to save past Disclosures OR an installed printer to print them.
• If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add paypalcreditcustomercare@mail.synchronybank.com to your email address book.

You understand that you may request paper copies of the Disclosures that we provide to you electronically. There may be a fee for this service as described in your account terms. You understand that you can request to receive these Disclosures in paper form (in addition to electronic form) by logging in to www.paypal.com and changing your PayPal Credit account settings. You can also request paper copies and/or withdraw your consent by contacting us at: 844-373-4961. Contacting us by phone is the only available method for withdrawing this consent. If you would like a copy of your Payment Security Agreement (if purchased) or related records, please write to us at: Payment Security, P.O. Box 740237, Atlanta, GA 30374-0237.

At any time, you can update the email address to which we may send alerts that your Disclosures are available. You can change your email address on the PayPal app or on paypal.com.

By consenting, you agree that electronic Disclosures have the same meaning and effect as if we provided paper Disclosures to you when and if we are required to do so. When we send you a Disclosure in electronic form or post a Disclosure on our website that shall have the same meaning and effect as if we provided paper Disclosures to you, whether or not you choose to view the Disclosures, unless you had previously withdrawn your consent to receive Disclosures electronically. We may also send you an email alerting you that the Disclosures are available electronically and make them available online.

You understand and agree that we reserve the right to cancel this electronic Disclosure service, change the terms of use of this service, or send Disclosures in paper form at any time. You understand and agree that we are not responsible for any delay or failure in your receipt of any email notices we may send.