LEGAL NOTICE

E-SIGN & ELECTRONIC COMMUNICATIONS NOTICE

1 October 2025

YOUR CONSENT TO ELECTRONIC DELIVERY

1. Introduction

You are applying for a NAKA Card. If you consent to this Consent Statement for this Program, it applies even if you do not obtain (or are not offered) a NAKA Card.

Your affirmative consent to this E-sign & Electronic Communications Notice (“Consent”) (1) permits us to provide you such Communications electronically, (2) enables you to sign and authorize Communications electronically through the use of the Dashboard or API's provided by NAKA (the “Dashboard", "Platform" or “Service”), and (3) allows NAKA and its partners to collect such e-signings. If you do not consent to electronic delivery of Communications, you will not be able to use the Service. 

By registering for a NAKA Account, applying for a card, or accessing NAKA Dashboard, you agree that such registration constitutes your electronic signature, and you consent to us providing notices to you electronically. You understand that this consent has the same legal effect as a physical signature. And by providing your consent, you agree that Electronic Communications will have the same legal effect as paper-based documents.

You have the right to receive legal disclosures, notices, and communications (together, the "Covered Items") in paper form by regular mail. We may instead provide these Covered Items to you electronically if you: (1) give us your Consent to do so and (2) satisfy the System Requirements below. For purposes of this Consent Statement, the Covered Items include all servicing and collection communications on your account, as well as all legal disclosures, notices and communications that NAKA is required to provide in writing regarding the account.

In this Consent Statement, “we”, “us”, and “our” refer to: NAKA SLV, S.A. de C.V. and our service providers.

2. Duration of Consent

Your Consent will remain effective until: (1) you or we have terminated the Program or your Card; or (2) you opt-out of electronic communications. If you terminate your Card, your Consent will still continue with respect to the pre-termination rights of NAKA (including rights created by your Consent to this Consent Statement). See your respective cardholder agreement (for NAKA Spend Card or NAKA Spend U.S. Card) for information on how to terminate your Card.

3. Methods of Providing Covered Items

In this document, "provide" means to deliver, make available, send, notify or similar term. We may provide the Covered Items electronically through files, including those in PDF format, downloaded from our website. It is your responsibility to review the Covered Items promptly, so you can take appropriate action.

4. Access to Paper Copies

You may make copies of the Electronic Communications by using the "print" or "save" functionality of the application in which you are viewing the Electronic Communications (e.g. Web browser, Adobe® Reader® software). We retain copies of the Electronic Communications for the time periods required by law and will provide you with copies upon request within those time periods. We do not necessarily retain copies for longer than is required by law. Save or print copies of Electronic Communications to ensure you have them when needed.

If you require a paper copy of any Electronic Communication, you may request one by contacting us at support@naka.com. We may charge a reasonable fee for paper copies unless prohibited by law.

5. Our Right to Send Paper

We reserve the right to provide the Covered Items in paper form at all times at our discretion even if you have given us Consent to provide it electronically. For example, but without limitation, we may do this if we have a system outage or if we suspect fraud.

6. Hardware and Software Requirements

To access and retain Electronic Communications, you must have:

(a) A device with internet access (computer, smartphone, or tablet);

(b) A current version of a web browser (such as Chrome, Firefox, Safari, or Edge);

(c) Software capable of opening and viewing PDF documents (such as Adobe Acrobat Reader);

(d) A valid email account;

(e) Sufficient storage or printing capability to retain records.

By providing your Consent, you confirm that you meet these requirements.

7. Withdrawing Consent

You are free to withdraw your Consent at any time and at no charge to you. If you do withdraw your Consent prior to the approval of your application, this will prevent you from receiving credit from us over the Internet. If at any time you wish to withdraw your Consent, you may do this by emailing us at support@naka.com. If you decide to withdraw your Consent, the legal effectiveness, validity and/or enforceability of any prior electronic Disclosures will not be affected.

8. Updating Your Contact Information

You agree to keep your email address and other contact information up to date. You can update your information by contacting us at support@naka.com.

9. Acceptance of Consent

By clicking "I Agree," checking a box, or otherwise electronically accepting this Consent, you confirm that you:

(a) Have read and understand this Consent;

(b) Agree to receive Electronic Communications;

(c) Meet the system requirements listed above.

If you do not agree to this Consent, you should discontinue using our electronic services.

For any questions, contact us at support@naka.com.