Last Modified: October 21, 2020

This Consent to Electronic Communications (the “Consent”) contains important information about your legal rights—please read it thoroughly and print or save a copy. As used in this Consent, “Account” means all account, products or services you have with us. The words “we,” “us“, “our” and “Pangea” refer to Pangea Universal Holdings, Inc. (“PUH”), Pang