In this Authorization for SMS Authentication (“Authorization”), the words “you” and “your” mean any person authorizing us to send SMS messages to any telephone number associated with such person. The words “we,” “us,” “our,” and “Happen Bank” mean Happen Bank, National Association, and its affiliates, successors and assigns, and designated third-party service providers acting on their behalf. This Authorization supplements but does not supersede or replace any current or future agreements between you and Happen Bank.

You expressly consent and agree to receive SMS messages from us for authentication and identity verification purposes, at any telephone number that you provide to us or that we can reasonably associate with you (through skip trace, caller ID capture, or other means), now and in the future. You certify that you are authorized to provide this consent because you are either the subscriber of the telephone number you provide or a non-subscriber customary user with authority to provide this consent. Standard communication rates, fees, and charges from your telephone service provider may apply. Neither we nor your telephone service provider is liable for any delayed or undelivered SMS messages. You understand and agree that we may always communicate with you in any manner allowed by law that does not require your consent.

You will receive one security code for this login or security verification step to verify your identity. This message will not repeat unless you specifically request another security code. You can stop receiving SMS messages by texting “STOP” in reply to a message from us. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. You will no longer receive SMS security codes from us, until you specifically request a new code via SMS as part of a new login or verification process. If you are experiencing issues you can reply with the keyword HELP for more assistance, or you can get help directly at support@lendingclub.com or by calling (888) 596-3157. If you have any questions regarding privacy, please read our privacy policy at https://www.lendingclub.com/legal/privacy-policy.

By clicking the button, or selecting the checkbox, displayed in connection with acknowledging and/or agreeing to this Authorization (or by otherwise taking an affirmative action indicating your agreement to this Authorization), you agree that you have received, read, and agree to all of the terms of this Authorization.