Please read this Electronic Records Disclosure, Consent and Agreement to Use Electronic Signatures (“Agreement”) carefully and download or print a copy for your records. In this Agreement, the words “we,” “us,” and “our” mean PLATYPUS PLATFORM INC.

Electronic Application and Related Disclosures.  Federal laws and regulations, including the federal Truth-in-Lending Act and Consumer Financial Protection Bureau Regulation Z, require us to give you certain important disclosures in connection with your application for credit and your line of credit.  These disclosures are included with our online credit application, the notice of our credit decision on your application, the credit agreement you will sign and related disclosures you will receive with the credit agreement if your application is approved and you accept the line of credit, and all subsequent communications concerning the line of credit, including without limitation periodic statements (the “Documents”). With your consent, we will give you the Documents electronically.  You also agree to execute your line of credit agreement and other related documents, including  with an electronic signature.

Your Consent is Required.  You must consent to receiving the Documents electronically in order to apply online for credit.  Your consent will apply to all Documents. Your consent is also required for electronic receipt of the our privacy policies, including GLB privacy policy. If you do not want to receive the Documents electronically, you should exit the online credit application area, and your online credit application will be discontinued.

Withdrawing My Consent to Receive Electronic Records. You may withdraw your consent to receive electronic Documents, without charge, by email to us at support@heyplatypus.com.  Your withdrawal of consent will be effective as soon as possible, but no later than 5 business days after we receive your notice of withdrawal. However, withdrawal of consent will result in termination of your line of credit.

Requesting Paper Copy of Disclosures.  If we provide a Document to you in electronic format, and you want a paper copy, you can request a paper copy by contacting us by telephone at (737)-255-8662 or by email at support@heyplatypus.com.  Please note that you will have to pay a fee of $20 for us to prepare and send you the paper copy unless charging a fee is prohibited by applicable law.

System Requirements to Access Application, Disclosures and Credit Agreement.  To apply electronically and to receive the Documents electronically, you must have the following: A personal computer, mobile access device or other access device which is capable of accessing the Internet;Internet access; An Internet web browser which is capable of supporting 128-bit SSL encrypted communications, such as: Microsoft EdgeTM version 79 or higher; Mozilla Firefox® version 52 or higher;Apple Safari® version 11.x or higher; orGoogle ChromeTM version 70 or higher; If you are accessing our mobile app, your mobile device must have the applicable minimum operating system: Android 8.0 or higher, iOS 14.0 or higher; or iPadOS 14.0 or higher; An active email account; and The ability to receive files in HTML and PDF format.

System Requirements to Retain the Disclosures and Credit Agreement.  To retain the Documents, your system must have the ability to either download (to your hard disk drive or other storage device) or print web pages (screens) and files in HTML and PDF format.

Updating Your Information.  You should keep us informed of any change in your email address.  You may contact us to tell us about these changes by e-mail at support@heyplatypus.com.

Acceptance of Agreement and Consent to Receive Electronic Documents.  Clicking the “I Accept” button (below) constitutes your written signature and approval of, and agreement to be bound by, the terms of this Agreement.  If you click the “I Decline” button (below), your online credit application will be discontinued.

By clicking “I Accept,” you hereby: Confirm that the Internet access device(s) you will use to complete your online application and to receive the Documents meet(s) the system requirements described above; consent to receiving the Documents electronically; and confirm and acknowledge receipt of the Platypus privacy notice agree to execute the line of credit agreement and all related documents with an electronic signature.