Agreement to Electronic Communications. By agreeing to the Electronic Communications Agreement,

you agree and provide your electronic signature to this Electronic Communications Agreement. Under this

Electronic Communications Agreement, you agree that Green Dot Bank (“we” or “us”) may provide

agreements and disclosures related to your PODERcard or account (your “account”), and all related

services to you electronically (via email or on our website) instead of in paper form. During the term that

you maintain an account with us, you agree to provide us with and maintain a valid email address for

information that will be delivered by email and that you will promptly notify us of any change in your email

address. You understand that our ability to provide you information by email is dependent upon the

maintenance of a valid email address. For information that will only be provided via the PODERcard app,

such as periodic statements/transaction histories, it is your responsibility to check the app for current

information.

Electronic Records and Communications Act Disclosures

You consent, understand and agree that: (i) this Agreement will be entered into electronically, (ii)

you meet the minimum access requirements specified below, (iii) the consent shall last until you

withdraw consent, and (iv) the following categories of information may be provided by electronic

communication:

• Agreements (including the Deposit Account Agreement or Cardholder Agreement, as applicable)

and disclosures and amendments thereto

• Privacy Policy of Green Dot Bank

• Balance, activity and certain other information on your account(s)

• Periodic statements, authorizations and transaction histories for your account(s)

• Notices to you of the resolution of any claimed error on your periodic statements

• Notices with respect to any changes to the Agreement or any other notices or communications

required or permitted by law or regulation including, without limitation, notices of changes in terms

provided under Regulation E

• Inquiries or notices to you about transactions made

We may mail paper copies of any of the foregoing, in addition to or instead of sending them to you

electronically, at our discretion.

Consent to this agreement is a requirement of having a PODERcard or account. In order to

withdraw your consent, you will need to close your PODERcard or account.

In order to receive the categories of information referenced above by electronic communication, you must

have the following hardware and software requirements:

• An Apple device running iOS 10 or higher, or an Android device running Android 5.0 Lollipop

• Internet access

• A valid mobile phone number to receive SMS

We may change these requirements from time to time. If any of these requirements are changed, we will

update this document accordingly.

Rev. December 2019