E-Sign Disclosure and Consent

1Definitions

• "Account" means your myLBC account and any related sub-accounts or authorized user accounts.
• "Communications" means any customer agreements, amendments, disclosures, notices, responses to claims, transaction receipts, error resolution notices, privacy policies, statements, regulatory disclosures, and other information that we are required by law to provide to you in writing, or that we choose to provide to you in writing in connection with the Services.
• "Services" means the myLBC mobile application, the mylbc.app website, and the money remittance services we provide.

2Scope of Electronic Communications

You agree that we may provide you with any Communications in electronic format, to the extent allowed by law, rather than sending paper Communications. This includes, but is not limited to:

• The myLBC User Agreement, Privacy Notice, Cookie Policy, and this E-Sign Disclosure, and any amendments
• Pre-payment disclosures and receipts for money remittance transactions (as required by Regulation E and the Remittance Transfer Rule, 12 CFR § 1005.31)
• Error resolution notices and dispute responses
• Notices about changes to your Account or the terms of your Services
• Annual Privacy Notice required by 16 CFR Part 313 (Gramm-Leach-Bliley Act)
• State-mandated disclosures, including money transmitter disclosures and cancellation rights
• Tax reporting forms (such as IRS Form 1099-MISC or 1042-S, where applicable)
• Notices required by federal or state consumer protection laws
• Communications with customer support, fraud prevention, and compliance teams
• Marketing communications (where you have consented)

3How We Deliver Communications

We may deliver Communications to you electronically in any of the following ways:

• By posting in your myLBC app
• By email to the address you have provided
• By SMS or MMS text message to the phone number you have provided (where you have opted in)
• By push notification through the myLBC app
• By posting on mylbc.app

It is your responsibility to check these channels regularly and to review any updates.

4Your Right to Paper Copies

You have the right to receive Communications in paper form at no charge for Communications required by federal or state law. To request a paper copy, contact us at:

Requesting a paper copy does not withdraw your consent to receive future Communications electronically.

5How to Withdraw Your Consent

You may withdraw your consent to receive electronic Communications at any time by emailing privacy@lbcusa.net with the subject line "Withdraw E-Sign Consent," or by writing to:

6Updating Your Contact Information

It is your responsibility to keep your email address and phone number current so we can deliver Communications to you. To update your contact information:

• In the app: Settings → Profile → Edit
• By email: privacy@lbcusa.net
• By phone: 800-338-5424

7Hardware & Software Requirements

To access and retain electronic Communications, you must have:

• A device with internet access (smartphone, tablet, or computer)
• A supported operating system: iOS 15 or later, Android 10 (API level 29) or later, or a current version of Windows, macOS, or Linux
• A current version of a supported web browser (Safari, Chrome, Firefox, or Edge)
• An active email account and the ability to read PDFs
• An SMS-capable phone if you have opted in to text Communications
• Sufficient storage to save or print Communications you wish to retain

If we change our hardware or software requirements in a way that creates a material risk that you will not be able to access or retain Communications, we will notify you and give you the right to withdraw consent without a fee.

8Your Acknowledgment and Consent

By creating a myLBC account or using our Services, you acknowledge and agree that:

1. You have read and understand this E-Sign Disclosure and Consent.
2. You meet the hardware and software requirements described in Section 7.
3. You agree to receive all Communications electronically.
4. You can access and retain Communications in PDF, HTML, and other electronic formats.
5. Electronic signatures, contracts, and other records (including click-to-agree or tap-to-agree confirmations) have the same legal effect as paper signatures and paper records.

9Contact Us