Electronic Communications Consent

Effective as of 1 August 2026

Your Consent To Electronic Delivery

(“Consent Statement”)

Thank you for applying for Hayo Pay. If you consent to this Consent Statement for this Program, the terms will apply even if you do not obtain (or are not offered) the service.

Your affirmative consent to this E-sign & Electronic Communications Notice (“Consent”) permits GrandDom Limited, operating as Hayo Pay to provide you with Communications electronically, enables you to sign and authorize Communications electronically through the use of the Hayo Pay app and website, and allows GrandDom Limited, operating as Hayo Pay and its partners to collect such e-signatures. If you do not consent to the electronic delivery of Communications, you will not be able to use the service. By registering for an account, applying for a card, or accessing the Hayo Pay app, you agree that such registration constitutes your electronic signature, and you consent to us providing notices to you and any relevant administrators or users electronically. You understand that this consent has the same legal effect as a physical signature.

Access to Paper Copies

You have the right to receive legal disclosures, notices, and communications (together, the “Covered Items”) in paper form by mail. We may instead provide these Covered Items to you electronically if you:

• Give us your Consent to do so.

• 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 we are required to provide in writing regarding the account.

In this Consent Statement, “we,” “us,” and “our” refer to GrandDom Limited, operating as Hayo Pay and its authorized partners.

Duration of Consent

Your Consent will remain effective until:

• You or we terminate the program or account; OR

• You opt out of electronic communications.

If you terminate your account, your Consent will continue with respect to pre-termination rights (including rights created by your Consent to this Consent Statement).

Methods of Providing Covered Items

In this document, “provide” means to deliver, make available, send, notify, or use a similar term. We may provide the Covered Items electronically through files, including those in PDF format, downloaded from the Hayo Pay app or hayopay.com. It is your responsibility to review the Covered Items promptly so you can take appropriate action.

Access to Paper Copies

• You can make copies of the Covered Items by using the “print” or “save” functionality of the application in which you are viewing the Covered Items (e.g., Web browser, PDF viewer).

• We retain copies of the Covered Items for the time periods required by law and will provide you with copies upon request within those time periods.

• To request a paper copy at no cost, please contact us at support@hayopay.com.

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 them electronically. For example (but without limitation), we may do this if:

• We experience a system outage.

• We suspect fraud or unauthorized activity.

Hardware and Software Requirements

To access and retain the Covered Items, you must have a computing or communications device with:

• Working Internet access

• A Web browser that supports 128-bit encryption (e.g., the latest versions of Chrome®, Firefox®, Microsoft Edge®, or Safari®)

• Sufficient memory to load and render documents

• A program that can view, save, and print PDF files (e.g., Adobe® Reader® or similar software)

By providing us with your Consent, you confirm that you meet all of the above System Requirements.

Withdrawing Consent

You may withdraw your Consent at any time at no cost to you. However, withdrawing Consent prior to the approval of your application will prevent you from using or accessing the service.

To withdraw your Consent, please contact us at support@hayopay.com.

Note: Withdrawing Consent does not affect the legal effectiveness, validity, or enforceability of any prior electronic disclosures or communications.

Acknowledging Ability to Access and Consenting to Electronic Communications

By confirming that you have read and agreed to these terms, you are confirming that:

• You have access to a computer system that meets the System Requirements listed above.

• You agree to receive Covered Items electronically.

• You are able to access, print, or store the information presented to you.

If you have any questions, please contact us at support@hayopay.com.