Disclosure​ ​and​ ​Consent​ ​to​ ​Electronic​ ​Delivery​ ​of Notices,​ ​Confirmations,​ ​Statements​ ​and​ ​Other​ ​Communications

Effective: April 12, 2019

Please​ ​read​ ​this​ ​Disclosure​ ​and​ ​Consent​ ​to​ ​Electronic​ ​Delivery​ ​of​ ​Notices,​ ​Confirmations, Statements​ ​and​ ​other​ ​Communications​ ​(this​ ​“Disclosure”).​ ​​ ​It​ ​provides​ ​important​ ​information about​ ​how​ Roost Enterprises Inc. d.b.a. Rhove (“Rhove”) ​will​ ​provide​ ​information​ ​to​ ​you​ ​in​ ​connection​ ​with​ ​the​ ​Fiduciary Deposit Account ​( ​“Account”) you​ ​are​ ​establishing​.

Agreement​ ​to​ ​Receive​ ​Communications​ ​Electronically.​​ ​​ ​By​ ​clicking​ ​“Create Account”​ you ​indicate​ ​your consent​ ​and​ ​agreement​ ​to​ ​this​ ​Disclosure,​ ​you​ ​have​ ​agreed​ ​to​ ​the​ ​following​ ​matters:

  1. Until​ ​you​ ​withdraw​ ​your​ ​consent,​ ​as​ ​described​ ​below,​ ​you​ ​agree​ ​to​ ​receive​ ​electronically any​ ​and​ ​all​ ​customer​ ​agreements,​ ​disclosures,​ ​communications,​ ​and​ ​notices​ ​related​ ​to your​ ​Account,​ ​including​ ​those​ ​that​ ​are​ ​otherwise​ ​required​ ​by​ ​applicable​ ​law​ ​to​ ​be provided​ ​to​ ​you​ ​in​ ​writing​ ​(collectively,​ ​“​Communications​”).​ ​​ ​We​ ​will​ ​provide​ ​these Communications​ ​to​ ​you​ ​electronically​ ​instead​ ​of​ ​providing​ ​paper​ ​copies​ ​to​ ​you.​ ​​ ​The manner​ ​in​ ​which​ ​we​ ​will​ ​provide​ ​Communications​ ​to​ ​you​ ​electronically​ ​is​ ​described below​ ​under​ ​the​ ​heading​ ​“How​ ​We​ ​Will​ ​Provide​ ​Communications​ ​to​ ​You.”

  2. You​ ​have​ ​read,​ ​understand​ ​and​ ​agree​ ​to​ ​be​ ​bound​ ​by​ ​the​ ​terms​ ​and​ ​conditions​ ​described in​ ​this​ ​Disclosure.

  3. You​ ​confirm​ ​that​ ​you​ ​have​ ​the​ ​required​ ​hardware​ ​and​ ​software​ ​described​ ​below​ ​under​ ​the heading​ ​“Hardware​ ​and​ ​Software​ ​Requirements”​ ​and​ ​the​ ​ability​ ​to​ ​access,​ ​download, save​ ​and/or​ ​print​ ​Communications​ ​made​ ​available​ ​to​ ​you.

  4. You​ ​confirm​ ​that​ ​you​ ​have​ ​a​ ​valid​ ​email​ ​account​ ​that​ ​you​ ​are​ ​able​ ​to​ ​access.

  5. You​ ​confirm​ ​that​ ​you​ ​are​ ​able​ ​to​ ​receive​ ​SMS​ ​text​ ​messages​ ​and​ ​agree​ ​to​ ​receive​ ​such text​ ​messages.

  6. You​ ​acknowledge​ ​that​ ​it​ ​is​ ​your​ ​responsibility​ ​to​ ​download​ ​and​ ​save​ ​or​ ​print Communications​ ​for​ ​your​ ​records.

  7. You​ ​confirm​ ​that​ ​you​ ​understand​ ​that​ ​even​ ​though​ ​there​ ​is​ ​no​ ​charge​ ​to​ ​receive Communications​ ​electronically,​ ​your​ ​Internet​ ​service​ ​provider​ ​or​ ​telephone​ ​or​ ​wireless service​ ​provider​ ​may​ ​charge​ ​you​ ​fees​ ​(including​ ​roaming​ ​fees)​ ​for​ ​online​ ​access​ ​and​ ​your telephone​ ​provider​ ​may​ ​charge​ ​a​ ​fee​ ​for​ ​you​ ​to​ ​receive​ ​text​ ​messages​ ​on​ ​your​ ​phone.

  8. You​ ​are​ ​authorized​ ​to,​ ​and​ ​do,​ ​consent​ ​to​ ​the​ ​terms​ ​and​ ​conditions​ ​of​ ​this​ ​Disclosure​ ​on behalf​ ​of​ ​all​ ​other​ ​account​ ​owners,​ ​authorized​ ​signers,​ ​beneficiaries,​ ​authorized representatives,​ ​delegates​ ​and/or​ ​service​ ​users.

Types​ ​of​ ​Communications​ ​to​ ​be​ ​Provided​ ​in​ ​Electronic​ ​Form

Your​ ​consent​ ​to​ ​receive Communications​ ​electronically​ ​includes,​ ​but​ ​is​ ​not​ ​limited​ ​to,​ ​the​ ​following​ ​types​ ​of Communications:

  1. All​ ​legal​ ​and​ ​regulatory​ ​disclosures​ ​and​ ​communications​ ​associated​ ​with​ ​your​ ​Account​ ​or a​ ​product​ ​or​ ​service​ ​available​ ​through​ ​your​ ​Account;

  2. The​ Rhove ​terms​ ​of service​ ​of​ ​your​ ​Account;

  3. Rhove privacy policies and notices;

  4. Third Party Vendor Terms of Service and Privacy Policies, such as the SynapseFI Terms of Service and Privacy Policy, as well as other third parties that are necessary for delivering the Services associated with your Account;

  5. Notices​ ​or​ ​disclosures​ ​about​ ​the​ ​features​ ​of​ ​or​ ​a​ ​change​ ​in​ ​the​ ​terms​ ​of​ ​your​ ​Account;

  6. Prospectuses,​ ​trade​ ​confirmations​ ​or​ ​other​ ​disclosures​ ​required​ ​in​ ​connection​ ​with securities​ ​transactions;

  7. Confirmation​ ​of​ ​any​ ​authorization​ ​you​ ​provide​ ​to​ ​initiate​ ​one​ ​or​ ​more​ ​automated​ ​clearing house​ ​(ACH)​ ​debits​ ​to​ ​your​ ​checking​ or ​savings​ ​account​ ​or​ ​to​ ​your​ ​Account​ ​with​ ​us;​ ​and

  8. Monthly​ ​(or​ ​other​ ​periodic)​ ​billing​ ​or​ ​account​ ​statements​ ​for​ ​your​ ​Account​ ​including​ ​all billing​ ​or​ ​account​ ​statements​ ​from​ Rhove, SynapseFI or Evolve Bank & Trust; and

  9. Other​ ​notifications​ ​or​ ​communications​ ​related​ ​to​ ​your​ ​Account.

How​ ​We​ ​Will​ ​Provide​ ​Communications​ ​to​ ​You​

All​ ​Communications​ ​that​ ​we​ ​provide​ ​to​ ​you in​ ​electronic​ ​form​ ​will​ ​be​ ​provided​ ​by​ ​one​ ​or​ ​more​ ​of​ ​the​ ​following​ ​methods:​ ​(1)​ ​via​ ​email, ​(2)​ ​via​ ​a​ ​mobile​ ​application,​ ​(3)​ ​by​ ​requesting​ ​that​ ​you​ ​download​ ​a​ ​PDF​ ​file containing​ ​the​ ​Communication,​ ​or​ ​(4)​ ​via​ ​SMS​ ​text.

If​ ​we​ ​make​ ​a​ ​Communication​ ​available​ ​to​ ​you,​ ​we​ ​will​ ​notify​ ​you​ ​by​ ​email​ ​at​ ​the​ ​address​ ​you provide​ ​to​ ​us​ ​or​ ​by​ ​text​ ​message​ ​to​ ​the​ ​phone​ ​number​ ​you​ ​provide​ ​us​ ​that​ ​a​ ​Communication​ ​is available​ ​for​ ​you​ ​to​ ​access.

Even​ ​though​ ​you​ ​have​ ​consented​ ​to​ ​receive​ ​Communications​ ​electronically,​ ​we​ ​may​ ​always​ ​in our​ ​discretion​ ​or​ ​when​ ​required​ ​by​ ​applicable​ ​law​ ​provide​ ​a​ ​Communications​ ​to​ ​you​ ​in​ ​paper form​ ​at​ ​the​ ​mailing​ ​address​ ​that​ ​you​ ​have​ ​provided​ ​to​ ​us.

Hardware​ ​and​ ​Software​ ​Requirements

To​ ​access,​ ​download,​ ​save​ ​and/or​ ​print Communications​ ​electronically​ ​you​ ​must​ ​have:

A​ ​computer​ ​suitable​ ​for​ ​connecting​ ​to​ ​the​ ​Internet​ ​with​ ​a​ ​Current​ ​Version​ ​(see description​ ​below)​ ​of​ ​an​ ​Internet​ ​browser​ ​we​ ​support.

To​ ​access​ ​Communications​ ​through​ ​a​​ ​mobile​ ​application you must have ​one​ ​or​ ​more devices,​ ​such​ ​as​ ​a​ ​smartphone,​ ​mobile​ ​device​ ​or​ ​tablet,​ ​suitable​ ​for​ ​connecting​ ​to​ ​the Internet​ ​and​ ​for​ ​downloading​ ​mobile​ ​applications​ with​ ​a Current​ ​Version​ ​of​ ​one​ ​of​ ​the​ ​mobile​ ​operating​ ​systems​ ​we​ ​support​ ​(see​ ​description below).

To access and store Communications you will need the following:

  1. a​ ​connection​ ​to​ ​the​ ​Internet;

  2. a​ ​valid​ ​email​ ​address​ ​that​ ​you​ ​are​ ​able​ ​to​ ​access​ ​and​ ​email​ ​software​ ​or​ ​web-based Access;

  3. the​ ​ability​ ​to​ ​receive​ ​a​ ​SMS​ ​text​ ​message​ ​on​ ​your​ ​phone;

  4. the​ ​ability​ ​to​ ​access​ ​documents​ ​in​ ​HyperText​ ​Markup​ ​Language​ ​(HTML)​ ​and​ ​Portable Document​ ​Format​ ​(PDF)​ ​(in​ ​order​ ​to​ ​access​ ​PDF​ ​documents,​ ​you​ ​must​ ​have​ ​a​ ​Current Version​ ​of​ ​software​ ​that​ ​accurately​ ​reads​ ​and​ ​displays​ ​PDF​ ​files,​ ​such​ ​as​ ​Adobe​ ​Acrobat Reader);​ and

  5. local,​ ​electronic​ ​storage​ ​capacity​ if you wish to download and save ​our​ ​Communications​ to your computer ​and/or​ ​a​ ​printer​ ​to​ ​print Communications on paper;​ and

  6. by ​“Current​ ​Version,”​ ​we​ ​mean​ ​a​ ​version​ ​of​ ​the​ ​software​ ​that​ ​is​ ​currently​ ​being​ ​supported​ ​by​ ​its publisher.​ ​​

Here​ ​is​ ​a​ ​list​ ​of​ ​the​ ​Internet​ ​browsers​ ​we​ ​support: Chrome latest: 71+, Safari latest: 12, Firefox latest: 65

We​ ​support​ ​the​ ​following​ ​mobile​ ​operating​ ​systems: iOS 10.3+ and Android 7+

We​ ​reserve​ ​the​ ​right​ ​to​ ​discontinue​ ​support​ ​of​ ​a​ ​Current​ ​Version​ ​of​ ​software​ ​if​ ​we​ ​determine,​ ​in our​ ​sole​ ​discretion,​ ​that​ ​it​ ​suffers​ ​from​ ​a​ ​security​ ​flaw​ ​or​ ​some​ ​other​ ​defect​ ​that​ ​makes​ ​it unsuitable​ ​for​ ​use​ ​with​ ​our​ ​Website​ ​or​ ​your​ ​Account.

Withdrawal​ ​of​ ​Consent​ ​to​ ​Receive​ ​Electronic​​ ​​Notices

Your​ ​consent​ ​to​ ​electronic​ ​delivery​ ​of Communications​ ​remains​ ​in​ ​effect​ ​until​ ​you​ ​give​ ​us​ ​notice​ ​that​ ​you​ ​are​ ​withdrawing​ ​it.​ ​​​You​ ​may withdraw​ ​your​ ​consent​ ​to​ ​electronic​ ​delivery​ ​of​ ​Communications​ ​at​ ​any​ ​time​ ​by​ ​calling​ ​us​ ​at (614) 321-2421 ​or​ ​emailing​ ​hello@rhove.com.​ ​​ ​

Your​ ​withdrawal​ ​of​ ​consent​ ​will​ ​become effective​ ​as​ ​soon​ ​as​ ​we​ ​have​ ​a​ ​reasonable​ ​opportunity​ ​to​ ​act​ ​upon​ ​it.​ ​​​At​ ​our​ ​option,​ ​we​ ​may​ ​treat your​ ​provision​ ​of​ ​an​ ​invalid​ ​e-mail​ ​address​ ​or​ ​phone​ ​number,​ ​or​ ​the​ ​subsequent​ ​malfunction​ ​of​ ​a previously​ ​valid​ ​e-mail​ ​address​ ​or​ ​phone​ ​number,​ ​as​ ​a​ ​withdrawal​ ​of​ ​your​ ​consent​ ​to​ ​receive Communications​ ​electronically. If​ ​you​ ​withdraw​ ​your​ ​consent​ ​to​ ​electronic​ ​delivery​ ​of​ ​Communications,​ ​you​ ​will​ ​have authorized​ ​us​ ​to​ ​close​ ​your​ ​Account.​ ​Any​ ​Communications​ ​we​ ​are​ ​required​ ​to​ ​deliver​ ​to​ ​you after​ ​termination​ ​will​ ​be​ ​sent​ ​to​ ​you​ ​in​ ​paper​ ​form​ ​by​ ​mail​ ​to​ ​the​ ​address​ ​you​ ​have​ ​previously provided​ ​to​ ​us.​ ​This​ ​service​ ​may​ ​incur​ ​a​ ​fee.

Change​ ​of​ ​Contact​ ​Information

You​ ​must​ ​keep​ ​your​ ​e-mail​ ​address​ ​current​ ​with​ ​us.​ ​​ ​If​ ​your mailing​ ​address,​ ​email​ ​address,​ ​telephone​ ​number​ ​or​ ​other​ ​contact​ ​information​ ​changes,​ ​you may​ ​provide​ ​updated​ ​information​ ​by​ ​updating​ ​your​ Rhove ​profile​ ​or​ ​by​ ​contacting​ ​us​ ​at hello@rhove.com​​ ​or​ ​(614) 321-2421.