Introduction

You are submitting a request for payment services to be provided by Spectrali and/or by third party providers with which Spectrali has contracted for the provision of payment services (“Third Party Providers”). In order to proceed, we need you to consent to the use and acceptance of electronic signatures, electronic records, and electronic disclosures (“Your Consent”). This document, titled SPECTRALI CONSENT TO ELECTRONIC DISCLOSURES informs you of your rights when receiving legally required disclosures, notices and information from Spectrali and/or from Third Party Providers. By clicking on the button marked “Finish” below, you acknowledge receipt of this document and consent to the use of electronic signatures, records, and disclosures. Additionally, by clicking on the button marked “Finish” below you consent to conduct transactions with Spectrali and/or Third Party Providers by use of electronic disclosures and contract documents (“Disclosures”). These disclosures may include, in addition to others, Disclosures pursuant to: the Equal Credit Opportunity Act and Regulation B; Electronic Fund Transfers Act and Regulation E; the Gramm-Leach-Bliley Act and Regulation P; and any other applicable federal, state or local law, or regulation.

Consenting to Do Business Electronically

Before you decide to do business electronically with Spectrali, you should consider whether you have the required hardware and software capabilities described below.

Scope of Consent

Your Consent and our agreement to conduct this transaction electronically only apply to this account. By consenting, Spectrali and its agents will conduct transactions relating to this account with you electronically, and will provide all Disclosures related to this account to you electronically.

Hardware and Software Requirements

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: a PC with Internet access and an Internet Browser that meets the following minimum requirements: Microsoft® Internet Explorer 8.0 or later versions or Chrome 24.0 or later versions or Mozilla Firefox 19.0 or later versions. Also, the specific Internet Browser must support at least 128-bit encryption. To read some documents, you will need a PDF file reader like Adobe® Acrobat Reader. If at any time while this account is open, these requirements change in a way that creates a material risk that you may not be able to receive Disclosures electronically, Spectrali and its agents will notify you of these changes. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain, download or print a copy of the Disclosures for future reference.

Withdrawing Consent

You are free to withdraw Your Consent at any time. If at any time you wish to withdraw Your Consent, you can send us your request by submitting a request through our ‘Contact Us’ link which can be found at the bottom of the web page or in writing to Spectrali Inc. 410 Park Avenue – 15th Floor, New York, NY, 10022. If you decide to withdraw Your Consent, the legal effectiveness, validity and/or enforceability of prior electronic Disclosures will not be affected and your Account will be closed.

Change to Your Contact Information

You must keep us informed of any change in your electronic address, mailing address, or telephone number. You may contact us by submitting a request through our ‘Contact Us’ link which can be found at the bottom of the web page or in writing to Spectrali Inc. 410 Park Avenue – 15th Floor, New York, NY, 10022.

YOUR ABILITY TO ACCESS DISCLOSURES

BY SELECTING THE ELECTRONIC DISCLOSURES CHECK BOX, YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE. BY SELECTING THE ELECTRONIC DISCLOSURES CHECK BOX, YOU ACKNOWLEDGE THAT YOU HAVE READ THE INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY IN THIS CONSENT TO ELECTRONIC DISCLOSURES. YOU CONSENT TO: HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH Spectrali AND ITS AGENTS OR THIRD PARTY PROVIDERS ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY NOT REQUEST A PAPER COPY OF THE DISCLOSURES.