This Consent to Electronic Disclosures and Agreements (the "Consent") contains important information about your legal rights; please read it thoroughly and print or save a copy. As used in this Consent, the words "we," "us" and "our" mean OrCam, Inc. and its affiliates, successors, assigns, agents or service providers, and the words "you" and "your' mean the applicant for, or holder of, an Account with us. This Consent applies to your application with us, any agreement for an extension of credit with us (the "Agreement"), any purchase from us and all related or other accounts, products or services you have with or through us (collectively, the "Accounts").

1. Legally Required Communications and Disclosures. We must provide you with certain communications and disclosures in writing (i.e., you have a right to receive such communications on paper) pursuant to applicable laws and regulations. This information may be provided to you electronically if you agree to this Consent. Because all of our Accounts are provided online and use electronic means to deliver information, you must agree to this Consent to obtain and use an Account. This Consent will apply to each person named on your Account.

2. Scope of Communications to Be Provided in Electronic Form. By agreeing to this Consent, you agree that we may deliver all communications from us to you electronically ("Communications"). Communications may include, but are not limited to, any agreements between us and you related to your Account or any amendments thereto; any disclosures, notices or other information regarding your Account; any other communications regarding your Accounts, including communications about the use of our websites, our relationship with you, your transaction histories, our privacy policies, responses to claims; and any communications related to such other products, services or programs that may be made available to you. Communications specifically include, but are not limited, to the following:

a. Disclosures, agreements, notices and other information related to your application, Agreement and/or the opening, initiation, maintenance, operation or servicing of an Account, including, but not limited, to statements, disclosures or notices that may be required by the Truth in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act or other applicable federal or state laws and regulations;

b. Periodic, annual, monthly or other statements, disclosures and notices relating to the Agreement and/or the maintenance, operation or servicing of an Account including, but not limited to account information, account activity, account inactivity, payments made or due, or other statements, disclosures or notices that may be required by the Electronic Fund Transfer Act or other applicable federal or state laws and regulations;

c. This Consent and any amendments thereto;

d. Notices or disclosures about changes to your Account or payments required under your Account;

e. Any other Communications that we may provide from time to time relevant to your Account.

3. Method of Providing Communications to You in Electronic Form. You agree that all Communications that we provide to you in electronic form may be provided to you electronically by (1) posting Communications to your online account; (2) making Communications available on our website or at a different website that we may, from time to time, communicate to you; (3) sending Communications to your designated email address (which may include attachments or embedded links); (4) making Communications available to you during your online session; or (5) by requesting you download a PDF file containing the Communication.

4. How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form by [ INSERT ]. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however your access and use of our online services and certain Account functions may be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. Withdrawal will not affect any Communications we provided to you prior to your withdrawal, and we will send any required further Communications to you in paper form. You will remain responsible for any amounts that you owe us or may come due under the Agreement, and any other obligations you have under any agreements governing your Accounts will remain in full force and effect.

5. How to Update Your Records. You must immediately notify us of any change to your email address, contact information and other information related to this Consent and your Account(s). You can update this information by contacting us at [ INSERT ]. You represent and agree that you have provided us with a current e-mail address at which we may send electronic Communications to you.

6. Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have at the minimum:

· A recent-generation personal computer, tablet or mobile device with Internet access;

· a widely-used, recent-generation web browser (for example, Internet Explorer, Safari or Firefox);

· a program capable of opening portable document format files (PDF) (e.g., Adobe Reader);

· a working email address to which you have access; and

· either a printer, hard drive with sufficient storage or other storage device/means to print or store the Communications.

You understand that Communications may be sent to you by emails containing attachments in PDF format. You should make sure that any spam filter you use is set to allow receipt of messages from [ EMAIL ADDRESS ].]

You represent that you have the hardware, software, email address and email capacities described above, and your ability to read this Consent demonstrates that you have the necessary hardware and software to receive Communications electronically.

7. Requesting Paper Copies. We will not send you a paper copy of any Communication, unless you request it, it is required by law, or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us at [ INSERT ]. There is no charge for the delivery of paper copies of any Communication provided to you electronically pursuant to this Consent. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

8. Communications in Writing. All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Consent and any other Communication that is important to you.

9. Signature. You agree that an electronic facsimile of your signature or your electronic agreement carries the full legal weight of a written signature.

10. Federal Law. You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

11. Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

12. Reservation of Rights. This Consent does not apply to any Communication that we determine, in our sole discretion, that we are required to deliver in paper form under applicable law or that you should receive in paper rather than electronic form.

13. Consent. By clicking "I AGREE" below the hyperlink to this Consent, you hereby give your affirmative consent for us to provide electronic Communications to you as described above. You further agree that your computer, tablet or mobile device satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send electronic Communications to you.