ELECTRONIC COMMUNICATIONS AGREEMENT

By checking the Electronic Communications Agreement checkbox below, you agree and provide your electronic signature to this Electronic Communications Agreement. Under this Electronic Communications Agreement, you agree that we may provide agreements and disclosures related to the cards, accounts and all related services to you electronically instead of in paper form. During the term that you maintain an account with us for the Service, you agree to provide us with and maintain valid email address where we may deliver these agreements and disclosures to you and that you will promptly notify us of any change in your email address. You understand that our ability to provide you this information is dependent upon this maintenance of a valid email address.

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 will be provided by electronic communication:

• Agreement and Disclosures and amendments thereto
• Privacy Policy of MetaBank and Plastyc Inc.
• Balance, activity and certain other information on your account(s)
• Periodic statements, authorizations and transaction history 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 or Regulation DD
• Inquiries or notices to you about transactions made

We may mail paper copies of any of the foregoing at our discretion.

You have the right to withdraw your consent to have future instances of the above-referenced categories of information made available to you by electronic communication. If you withdraw your consent, you will no longer be able to utilize your online personal check service. In addition, you may experience a delay in obtaining information regarding your Accounts. Your withdrawal shall not apply to information properly provided before the withdrawal takes effect.

To withdraw your consent, please email us at cs@ibankup.com. To update your contact information, call us at 1-866-845-6273. The withdrawal of consent will take effect no more than fourteen (14) calendar days after you provide us with notice of the withdrawal.

You may obtain a paper copy of any electronic communications (including a copy of this Agreement) free of charge by providing a written request addressed to Pastyc Inc, 55 Broad St 23^rd Floor, New York NY 10004. Such a request will not be considered a withdrawal of consent to receive information by electronic communication unless you expressly withdraw your consent in such request.

In order to receive the categories of information referenced above by electronic communication, you must have the following hardware and software requirements:

• a personal computer
• Microsoft Windows 2000, Microsoft Windows XP with Service Packs 1 and 2, Microsoft Vista, Microsoft Windows 7, or Mac OS 10.X or higher
• a secure (encrypted) Web Browser (FireFox 3.6 or higher, Internet Explorer 8.0 or higher, Chrome 4.0 or higher, Safari 4.0 (Mac) or higher)
• Internet access through an Internet Service Provider (ISP)
• a valid email address
• for viewing electronic account statements, Adobe Reader. To download a free copy of Adobe Reader, please click here

We may change these requirements from time to time. If any of these requirements change, we will provide you with advance notice of the change.