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ESIGN Consent to Use Electronic Records and Signatures

As part of your relationship with us, we want to ensure you have all of
the information you need to effectively manage your accounts. Our goal
is to provide you with as many options as possible for receiving your
account documents. We are required by law to give you certain
information “in writing” – which means you are entitled to receive it on
paper. We may provide this information to you electronically, instead,
with your prior consent. We also need your general consent to use
electronic records and signatures in our relationship with you. So,
before you use our Electronic Services you must review and consent to
the terms outlined below.

In this consent:

  • “We,” “us,” “our” and “PĀZERO®” means PĀZERO®, PĀZERO® Advisors, and each and every current and future affiliate of PĀZERO® & Company.
  • “You”
    and “your” means the person giving this consent, and also each
    additional account owner, authorized signer, authorized representative,
    delegate, product owner and/or service user identified on any PĀZERO® Product that you apply for, use or access.
  • “Communications”
    means each disclosure, notice, agreement, fee schedule, statement,
    record, document, and other information we provide to you, or that you
    sign or submit or agree to at our request.
  • “Electronic Service”
    means each and every product and service we offer that you apply for,
    use, administer or access using the Internet, a website, email,
    messaging services (including text messaging) and/or software
    applications (including applications for mobile or hand-held devices),
    either now or in the future.
  • “PĀZERO® Product” means
    each and every account, product or service we offer that you apply for,
    own, use, administer or access, either now or in the future. PĀZERO® Products include Electronic Services.
  • The
    words “include” and “including,” when used at the beginning of a list
    of one or more items, indicates that the list contains examples – the
    list is not exclusive or exhaustive, and the items in the list are only
    illustrations. They are not the only possible items that could appear in
    the list.

  1. Your consent to use electronic
    records and signatures; Choosing to receive Communications
    electronically or in writing; Certain information must still be provided
    in writing.

In our sole discretion, the
Communications we provide to you, or that you sign or agree to at our
request, may be in electronic form (“Electronic Records”). We may also
use electronic signatures and obtain them from you as part of our
transactions with you.

Electronic Records may be delivered to you
in a variety of ways. These various delivery methods are described in
our Online Access Agreement and in other agreements we may have with you
from time to time. In some cases, you will be able to choose whether to
receive certain Communications electronically, or on paper, or both. We
will provide you with instructions on how to make those choices when
they are available.

We may always, in our sole discretion, provide
you with any Communication in writing, even if you have chosen to
receive it electronically.

Sometimes the law, or our agreement
with you, requires you to give us a written notice. You must still
provide these notices to us on paper, unless we specifically tell you in
another Communication how you may deliver that notice to us

There are certain Communications that by law we
are not permitted to deliver to you electronically, even with your
consent. So long as required by law, we will continue to deliver those
Communications to you in writing. However, if the law changes in the
future and permits any of those Communications to be delivered as
Electronic Records, this consent will automatically cover those
Communications as well.

We will continue to provide your tax
statements on paper unless you separately elect to receive them
electronically (if available).

  1. Your option to receive paper copies.

we provide Electronic Records to you, and you want a paper copy, you
may contact the appropriate customer service unit and request a paper
version. You will find the appropriate contact information in the
account statement or agreement for the PĀZERO® Product
related to the Electronic Record. You may have to pay a fee for the
paper copy unless charging a fee is prohibited by applicable law. Please
refer to the applicable agreement for any fee that may apply for paper

  1. Your consent covers all PĀZERO® Products; Privacy Policies.

Your consent covers all Communications relating to any PĀZERO® Product. Your consent remains in effect until you give us notice that you are withdrawing it.

From time to time, you may seek to obtain a new PĀZERO®
Product from us. When you do, we may remind you that you have already
given us your consent to use Electronic Records and signatures. If you
decide not to use Electronic Records and signatures in connection with
the new product or service, your decision does not mean you have
withdrawn this consent for any other PĀZERO® Product.

agree that we may satisfy our obligation to provide you with an annual
copy of our Privacy Policy by keeping it available for review on
www.pazero.net or, with prior notice to you, on another website where we
offer Electronic Services.

  1. You may withdraw your consent at any time; Consequences of withdrawing consent; How to give notice of withdrawal.

have the right to withdraw your consent at any time. Please be aware,
however, that withdrawal of consent may result in the termination of:

  • your access to our Electronic Services, including online banking, and
  • your ability to use certain PĀZERO® Products.

Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.

If you are receiving online account statements, the termination will cause
paper statements to be mailed to you via the U.S. Postal Service or
other courier. Depending on the specific PĀZERO® Product, if
you withdraw consent we may charge higher or additional fees for that
product or for services related to it. Please refer to the applicable
agreement for any fee that may apply.

  1. You must keep your email or electronic address current with us.

must promptly notify us of any change in your email or other electronic
address. You may change the email address on record for you by going to
the Account Services page within your online service and updating your
contact information. If you have given us another type of electronic
address, such as an electronic address or mobile phone number for SMS
text messages, you may change that address by going to the account
management page for each PĀZERO® Product you have linked to that address. There may be other, special PĀZERO® Products for which we provide separate instructions to update your email or other electronic address.

  1. Your enrollment in Electronic Services using our equipment.

If you enroll for an Electronic Service through one of our customer
service representatives or using our equipment, your enrollment may not
be complete until you take additional action. We will advise you, at the
time of your enrollment, of any additional action you must take. If you
take the required action, it is an affirmation of your consent to use
electronic records and signatures under the terms of this ESIGN Consent.

  1. Communications in languages other than English.

Please note, we may be unable to fulfill and service PĀZERO®
Products in a language other than English. Future Communications may be
in English only. If you are not fluent in English, you should consider
obtaining the services of an interpreter or taking other steps to ensure
you understand the transaction before entering into it and to explain
any future Communications in English.

By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your PĀZERO® Products.