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E-Sign Consent

Last updated: October 18, 2016

Please be aware that your consent to the electronic delivery of disclosures is required to open an account or use any of the Services (as defined in the User Agreement). If you are unable or unwilling to provide such consent, you will not be able to open an account. Once you have opened an account you can rescind your consent to electronic delivery of disclosures at any time and receive paper communications as set forth below.

This E-Sign Consent applies to any and all communications and/or disclosures that Circle is legally required to provide to you in writing in connection with your account and any related products and services (“Communications”). This E-Sign Consent supplements and is to be construed in accordance with the terms and conditions contained in the User Agreement (“User Agreement”).

1. Scope. When you use the Services, you agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

2. Methods of Communication. All Communications that we provide to you in electronic form will be provided by e-mail, by posting to the Circle website (www.circle.com), or through other electronic communication such as mobile push notification or text message.

3. Hardware Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have the following software and hardware:

4. Updating your Information. It is your responsibility to provide us with a true, accurate and complete e-mail address, your contact information, and other information related to this E-Sign Consent and your account, keep such information up to date. You may update your information by logging into your account or by sending written notice by mail to [email protected]

5. Withdrawing Consent. You may withdraw your consent to receive electronic Communications at any time by sending us a written request by email to [email protected] You understand that any withdrawal of your consent to receive electronic Communications will be effective only after Circle has had a reasonable period of time to process your withdrawal. You understand that withdrawing your consent to electronic Communications will likely result in the closure of your account.

6. Communications in Writing. All electronic Communications from us to you will be considered "in writing" and shall have the same meaning and effect as a paper Communication. You should print or download for your records a copy of this E-Sign Consent and any other Communication that is important to you. You acknowledge and agree that Communications are considered received by your within 24 hours of the time posted to the Circle website (www.circle.com), or within 24 hours of the time emailed to you unless Circle receives notice that the email was not delivered.

7. General. Circle reserves the right, in our sole discretion, to cancel this electronic Communication service, or to terminate or change the terms and conditions on which Circle provides electronic Communications. Circle will provide you with notice of any such termination or change as required by law.