Effective through April 11, 2024

Electronic Disclosure and Consent

In this agreement, "we," "us," "our," and "The Coterie" mean The Coterie.Me, Inc. "You" and "your" refer to the individual signing up for a The Coterie’s account or using a product of The Coterie. "Communications" means disclosures, notices, agreements, fee schedules, privacy policies, statements, records, documents, and other information we provide to you, or that you sign and submit or agree to at our request.

The Coterie is dedicated to providing the best online banking experience possible, including providing information to you electronically. By accepting this agreement, you agree that you are willing and able to receive Communications in electronic form, and consent to receive Communications in electronic form. If you do not give your consent to receive Communications in electronic and not paper form, you may not open an account with The Coterie. If you withdraw your consent to electronic Communications at any point after providing consent hereunder, we reserve the right to terminate your Account.

Delivery Methods

We will deliver Communications to you electronically, either through The Coterie’s website thecoterie.me ("Website"); The Coterie’s mobile app ("App"); text or SMS messages ("Text Messages"); or through electronic mail ("E-mail"). If we do not deliver Communications to you through the above manners, we will tell you where you can go to receive such Communications.

We may be required by law to deliver certain Communications to you on paper even though you have consented to receive it electronically.

Hardware and Software Requirements

To receive and retain electronic Communications from The Coterie you will need the following:

● A computer or mobile device with an operating system that supports everything below;

● An internet connection;

● A current version of a web browser that we support, including: Edge version 42 or higher, Firefox version 62 or higher, Safari version 12 or higher, or Chrome version 69 or higher;

● A hard drive or other method of storing data;

● A valid, active email address; and

● A current version of a program that displays PDF files.

Updating Contact Information

It is your responsibility to maintain accurate and current contact information so that we may send you electronic Communications. You can update your email address and other contact information by logging into your online account at www.thecoterie.me in the "Settings" section, through The Coterie’s mobile app, or by emailing us at help@thecoterie.me

Requesting Paper Copies

We may choose to make paper copies of certain electronic Communications available upon request, but assume no obligation to do so. You may obtain a paper copy of an electronic Communication by printing it or by requesting we mail a paper copy. You may make requests for paper copies by emailing us at help@thecoterie.me.

Communications in Writing

We are required by law to give you certain information in writing. All Communications delivered to you in either electronic or paper format will be taken as information delivered "in writing."

Withdrawing Consent

You have the right to withdraw your consent to this agreement at any time. Withdrawing consent will terminate your account with The Coterie, including access to our Website and Mobile App. A balance refund check may be issued you upon account termination in accordance with this Agreement. You may withdraw consent by emailing us at help@thecoterie.me

Effective April 12, 2024

Electronic Disclosure and Consent

Last Updated: April 12, 2024

In this Electronic Disclosure and Consent (“Disclosure and Consent”), "we," "us," "our," and "The Coterie" mean The Coterie.Me, Inc. and its affiliates. "You" and "your" refer to the individual or entity signing up for a The Coterie account or using a product or service of The Coterie (collectively, “Services”). "Communications" means disclosures, notices, agreements, fee schedules, privacy policies, statements, records, documents, and other information we provide to you, or that you sign and submit or agree to at our request.

The Coterie is dedicated to providing the best online experience possible in using our Services, including providing information to you electronically. BY CLICKING “I ACCEPT,” “ACCEPT AND CONTINUE,” OR SIMILAR IN THE CONTEXT OF ACCEPTING THIS DISCLOSURE AND CONSENT, YOU AGREE THAT YOU (i) HAVE READ AND UNDERSTOOD, AND AGREE TO THIS DISCLOSURE AND CONSENT; (ii) ARE WILLING AND ABLE TO RECEIVE AND AGREE TO COMMUNICATIONS IN ELECTRONIC FORM; AND (iii) CONSENT TO RECEIVE AND AGREE TO COMMUNICATIONS IN ELECTRONIC FORM. If you do not give your consent to the foregoing, you may not open an account with The Coterie. If you withdraw your consent at any point after providing consent hereunder, we reserve the right to terminate your account.

Delivery Methods

We will deliver Communications to you electronically, either through The Coterie’s website thecoterie.co ("Website"); The Coterie’s mobile app ("App"); text or SMS messages ("Text Messages"); or through electronic mail ("E-mail"). If we do not deliver Communications to you through the above manners, we will tell you using one of these above manners where you can go to receive such Communications.

We will deliver certain Communications to you on paper even though you have consented to receive it electronically where we are required by law to do so.

Hardware and Software Requirements

To receive and retain electronic Communications from The Coterie you will need the following:

● A computer or mobile device with an operating system that supports everything below;

● An internet connection;

● A current version of a web browser that we support, including: Edge version 42 or higher, Firefox version 62 or higher, Safari version 12 or higher, or Chrome version 69 or higher;

● A hard drive or other method of storing data;

● A valid, active email address; and

● A current version of a program that displays PDF files.

We may update these requirements periodically in order to maintain our ability to provide electronic Communications; if these requirements change in a substantial way, we will notify you of the changes in the manner described under the Delivery Methods section above. If you disagree with the changes upon receiving notification, you may withdraw your consent (see Withdraw Consent section below). If you do not withdraw your consent within 7 days from our notice and continue to use our Services or your account with us, you will be deemed to have accepted such changes to this Disclosure and Consent.

Updating Contact Information

It is your responsibility to maintain accurate and current contact information so that we may send you electronic Communications. You can update your email address and other contact information by logging into your online account at www.thecoterie.co in the "Settings" section, through The Coterie’s mobile app, or by emailing us at help@thecoterie.me

Requesting Paper Copies

We may choose to make paper copies of certain electronic Communications available upon request (by emailing us at help@thecoterie.me), but assume no obligation to do so. You may obtain a paper copy of an electronic Communication by printing it.

Communications in Writing

We are required by law to give you certain information in writing. All Communications delivered to you in either electronic or paper format will be taken as information delivered "in writing."

Withdrawing Consent

You have the right to withdraw your consent to this Disclosure and Consent at any time. Withdrawing consent may terminate your account with The Coterie, including access to our Website and Services, at The Coterie’s discretion. Upon such termination, where explicitly provided for in our Terms of Service or other agreement you have in effect with us covering your use of our Services, a balance refund check may be issued to you. You may withdraw consent by emailing us at help@thecoterie.me.