E-SIGN DISCLOSURE

1. Scope of Disclosure

This disclosure ("Disclosure") applies to all notices, disclosures, statements, and other communications that Innovative Concepts AG or its affiliates ("Bulto") provide to you regarding Bulto products and services ("Services"). It also applies to agreements governing your use of the Services, and communications under them. All these communications and agreements are collectively referred to as "Communications."

By submitting an application or opening an account to use the Services, you agree to this Disclosure and confirm your consent to (a) receive Communications electronically; and (b) the use of electronic signatures. If you choose not to consent to this Disclosure or if you withdraw your consent, you may be unable to use the Services.

2. Communications That Are Covered

Examples of Communications include:

• Any disclosure statement governing your use of the Services
• Any disclosure required by law
• Billing statements, receipts, and account history reports
• Letters, notices, and alerts regarding the Services and any changes to the Services
• Federal and state tax statements and documents
• Other disclosures, notices, and communications in connection with (a) your application for the Services; (b) your Bulto Account; (c) account maintenance; or (d) servicing and collection of funds

This Disclosure applies to all Communications that Bulto provides to you on its behalf or on behalf of its service providers, financial partners, and their affiliates.

3. Methods of Providing Communications

Unless law otherwise requires, or Bulto otherwise agrees, Bulto may provide Communications to you by:

• Posting them on the Bulto website
• Notifying you through the Services, your Bulto Dashboard, or any Bulto application
• Sending an email to the email address listed in the applicable Bulto Account
• Sending a text message to the mobile phone number listed in the applicable Bulto Account
• Delivering them in another electronic format

Charges may apply to Communications sent by text or other electronic means and message frequency varies. Carriers are not liable for any delayed or undelivered messages.

4. Electronic Signatures

Bulto may execute Communications electronically. If Bulto requests, you will execute Communications electronically. You also agree that Communications you or Bulto sign electronically will have the same legal effect as a signed physical document.

5. Hardware and Software Requirements

In order to access, view, sign, and retain electronic Communications that Bulto provides to you, you must have:

• An up-to-date device (e.g., computer, tablet, or mobile phone) which has internet access
• A current, compatible web browser, including the current or immediately preceding version of Chrome, Firefox, Safari, or Edge
• A valid email account
• An operating system on your device capable of receiving, accessing, and displaying Communications in electronic form via text-formatted email or gaining access to the Bulto website using a supported browser, including any necessary software (e.g., Adobe Reader to read PDF documents)
• If you wish to store or print any Communications, a device capable of storing and printing Communications

If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add relevant Bulto email accounts to your email address book.

6. Accessibility

If you are having problems viewing or accessing any Communications, please contact us at support@bulto.io.

7. How to Withdraw Your Consent

You may withdraw your consent to receive electronic Communications, or to electronic signatures, under this Disclosure by writing to Bulto at:

Innovative Concepts AG
Rue du Mont-Blanc 11
1201 Genève

Or by contacting Bulto at support@bulto.io.

Your withdrawal of consent to receive electronic Communications will be effective after Bulto has had a reasonable period of time to process your withdrawal.

By withdrawing your consent to electronic Communications, you will no longer receive them from Bulto, and your ability to use the Services may be adversely affected or terminated. Withdrawal of consent will not affect the legal validity or enforceability of any electronic Communications or signatures provided prior to the effective date of withdrawal.

8. Requesting Paper Copies

You can request paper copies of electronic Communications from Bulto by contacting us at support@bulto.io. In your request, please specify the Communication you would like to receive in paper form, and your current mailing address. We will provide paper copies at no charge.

9. Updating Contact Information

It is your responsibility to keep your contact information, including your primary email address, current. You can update your primary email address and other contact information by logging into your Bulto Dashboard or by contacting us at support@bulto.io.

10. U.S. Federal Law

If you are located in the U.S., you acknowledge and agree that the Services are subject to the federal Electronic Signatures in Global and National Commerce Act ("E-SIGN Act"), and that you intend that the E-SIGN Act will apply to validate your ability to engage electronically in transactions related to the Services.

11. Duration of Consent

Your consent to this Disclosure will remain effective until: (1) you or Bulto have terminated your account or access to the Services; or (2) you withdraw your consent as described above. If you terminate your account, your consent will still continue with respect to the pre-termination rights of Bulto.

12. Changes to This Disclosure

We may modify this Disclosure at any time. If we make material changes, we will notify you by posting the updated Disclosure on our website and, where required by law, by sending you an email or other notification. Your continued use of our Services after such changes constitutes your acceptance of the modified Disclosure.

13. Contact Information

If you have any questions about this Disclosure or our electronic Communications practices, please contact us at:

Email: support@bulto.io
Website: https://bulto.io