IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

California Residents: If you are married, you may apply for a separate account.

Maine Residents: Consumer reports (credit reports) may be obtained in connection with this application. If you request, the creditor will inform you: (1) whether or not consumer reports were obtained, and (2) if reports were obtained, the names and addresses of the consumer reporting agencies (credit bureaus) that furnished the reports.

New York Residents: A consumer credit report may be obtained in connection with evaluating your application and subsequently in connection with updates, renewals, or extensions of any credit for which this application is made. Upon your request, you will be informed whether a report was obtained, and if so, of the name and address of the consumer reporting agency.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Rhode Island Residents: A consumer credit report may be requested in connection with this application.

Vermont Residents: I authorize the creditor to obtain credit reports on an ongoing basis about me from credit reporting agencies in connection with this extension of credit transaction. The creditor may obtain credit reports about me on an ongoing basis in connection with this extension of credit transaction for any one or more of the following reasons: (1) reviewing the account; (2) increasing the credit line on the account; (3) taking collection action on the account; or (4) any other legitimate purposes associated with the account.

Washington Residents: Please advise us if the creditor should investigate your credit references and/or credit history under another name.

Wisconsin Residents: No provision of a marital property agreement (including a Statutory Individual Property Classification Agreement pursuant to Wis. Stat. 766.587), a unilateral statement under Wis. Stat. 766.59, or a court decree under Wis. Stat. 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

By consenting below, you hereby:

(1) Certify that all information you have provided on this application or in connection with this application is true, correct, and complete;

(2) Understand and agree that FinWise Bank and its subservicer, American First Finance Inc. ("AFF"), (collectively, "we," "us," or "our") may contact any person or company listed for information about you, and you fully release all parties from all liability for any damage that may result. You may contact AFF by calling 855-721-1188 or by emailing info@americanfirstfinance.com;

(3) Understand that this application is subject to approval;

(4) Understand and agree that we may obtain a consumer report in connection with (a) your application, and/or (b) any update, renewal, or extension of any transaction as a result of your application or other transaction hereto related;

(5) Understand that if you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report;

(6) Understand that we may process a card authorization transaction to validate the card(s) listed on your application;

(7) Understand that as part of our information collection process, we may detect additional bank accounts and/or payment cards under your ownership. We will consider these additional accounts/cards to be part of the application process. By applying, you authorize us to search for, evaluate, and initiate debits to bank accounts and/or payment cards under your ownership for this purpose; and

(8) Agree that FinWise Bank; its subservicer, AFF; and their affiliates, successors, assigns, service providers, and agents (collectively, "Authorized Parties") can contact you about your account via email, telephone (including, but not limited to, calls to cell phones and any other service for which the called party is charged for the call or message), or text messages at any email address or phone number you provide to one or more Authorized Parties now or in the future, even if you are charged for the call or message. This consent includes, but is not limited to, contact by prerecorded or artificial voice messages, text messages, emails, and/or automatic telephone dialing systems. Message and data rates may apply. You certify that the number(s) you provide to one or more Authorized Parties are for phone number(s) that belong to you. You also agree that, from time to time, one or more Authorized Parties may monitor telephone conversations between you and the Authorized Party to assure the quality of customer service. You also agree to promptly notify AFF if any phone number you have provided is (i) surrendered by you, (ii) changed by you, or (iii) transferred from a residential line to a wireless/cellular line.

By consenting below, you understand that this is an expensive form of credit. Our loans are designed to facilitate short-term financing needs for individuals who may not qualify for less expensive forms of credit. You should compare the cost of other financing options.

You also understand that if you are approved and enter into a loan with us, you can choose to exercise an early payoff discount option. To do so, you must, within your early payoff discount period, prepay the then-current principal balance of the loan (including a non-refundable origination fee), plus the lesser of (a) an early payoff discount fee, or (b) the amount of accrued finance charges. The early payoff discount period will be specified in the "Prepayment" section of your Loan Agreement and will begin to run from the Finance Charge Start Date listed in your Loan Agreement. The Finance Charge Start Date is the estimated date of delivery of your goods or services, as provided to us by the retailer from whom you are purchasing the goods or services. If you do not exercise your early payoff discount option and you prepay after the early payoff discount period has expired, then you will be responsible for the principal amount of the loan (including a non-refundable origination fee), plus accrued interest.