Electronic Records Disclosure and Consent Notice

Please Read This Notice Carefully and Print or Retain a Copy for Your Records.

This notice is provided to you in accordance with the Electronic Signatures in Global and National Commerce Act (ESIGN Act), 15 U.S.C. §7001 et seq. Before we can provide you with required disclosures, notices, agreements, statements, or other communications (collectively, “Communications”) electronically, we must obtain your affirmative consent. By providing your consent below, you agree that we may provide Communications to you in electronic form, and that you will not receive paper copies unless requested as described below.

1. Your Consent to Receive Electronic Communications:
By agreeing to this Electronic Records Disclosure and Consent Notice (“Notice”), you consent and agree that:

• We may provide Communications to you electronically via email, by making them available via our website, text, or through other electronic means.
• Your electronic signature on any agreement or document shall have the same effect as if you signed it in ink.

2. Paper Copies of Communications:
You have the right to receive a paper copy of any Communication provided to you electronically. If you would like a paper copy, please send a written request to PO Box 1046, Monroe, GA 30655 or contact us at 678-937-0606 or customerservice@carter-young.com. We will provide a paper copy at no charge to you. Your request for a paper copy will not, by itself, be treated as a withdrawal of your consent to receive Communications electronically.

3. Withdrawing Your Consent:
You have the right to withdraw your consent to receive electronic Communications at any time. To withdraw consent, please contact us at 678-937-0606 or customerservice@carter-young.com, or write to PO Box 1046, Monroe, GA 30655. Please include your full name, address, and account or reference number. Withdrawal of your consent may result in the termination of your access to certain electronic services or products. Any withdrawal of consent will be effective only after we have had a reasonable period of time to process your request.

4. Updating Your Contact Information:
It is your responsibility to provide us with a true, accurate, and complete email address and other contact information, and to promptly notify us of any changes in this information. To update your email address or other contact details, please contact us at 678-937-0606 or customerservice@carter-young.com.

5. Hardware and Software Requirements:
To access, view, and retain electronic Communications that we make available to you, you must have:

• A device (e.g., personal computer, smartphone, tablet) with internet access.
• A web browser that supports 128-bit encryption (such as current versions of Chrome, Firefox, Safari, or Edge).
• Software that allows you to view and print or save PDF documents (such as Adobe Reader).
• A valid email address and the ability to send and receive emails.

By providing your consent, you confirm that you have the ability to receive, view, and print or otherwise retain electronic Communications and that you meet the required hardware and software specifications described above.

6. Retaining Copies:
We recommend that you print, download, or otherwise save a copy of all electronic Communications for your records. You should also print or save this Notice.

7. Acknowledgment and Consent:
By checking the box or clicking the button below (or otherwise indicating your consent electronically), you acknowledge that you have read and understand this Notice, that you consent to receiving Communications electronically, and that you intend for your electronic consent to be the equivalent of your handwritten signature.

……I agree to receive Communications electronically and confirm that I meet the required hardware and software requirements.