Terms and Conditions

THIS PAYMENT SERVICE IS SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS

Do not use or access this Website or Service if You do not agree to be bound by these Terms and Conditions

These Terms and Conditions ("Terms and Conditions") are in effect for all transactions processed through this payments website ("Website") on or after January 1, 2019 and applies to and governs Your access to and use of this Website, the Service and all Alternative Channels. This payment processing service is offered to You on behalf of CULS ("Service").

It is important to carefully review the information concerning REFUNDS below. These Terms and Conditions may be amended at any time. All amended terms shall be effective immediately after they are posted to the Website. These Terms and Conditions also apply to Service transactions, or Payments, made by or through any "Alternative Payment Channels" including those Payments initiated, or completed through, Integrated Voice Response (IVR) systems, customer service representatives, telephone, internet, or any other means or mechanisms of Payment acceptance. These Terms and Conditions, as amended, shall apply to all subsequent Payments and otherwise solely govern the relationship of the parties.

As used in these Terms and Conditions, the term "User" means a user of this Website or any Alternative Payment Channel, located in the U.S., who is making a payment to CULS. The terms "You" and "Your" may be used to refer to the User. The terms "CULS" "we", "our" or "us" refer to The Credit Union Loan Source, LLC. and, as applicable, its affiliates and parent company who support the Service. Each payment transaction ("Payment") made through the Service is a payment to CULS. The term "bank account" means a checking account, savings account, or money market account established in Your name at a bank or other financial institution. The term "bank card" means a U.S. issued Discover®, or MasterCard® credit card ("credit card") or an ATM/debit card issued by or through a financial institution located in the U.S ("ATM/debit card"). You may only designate bank accounts or bank cards held in Your name for debiting or charging to make a Payment. A transaction fee ("Convenience Fee") for certain Payments made through the Service may be assessed. If a Convenience Fee is charged, it will be disclosed to You prior to making a Payment and You will be given the option of not proceeding with the Payment transaction if You do not wish to pay the Convenience Fee and complete the Payment. If a Convenience Fee is assessed for Your Payment, then we will only process the Payment if You agree to pay the Convenience Fee. CULS reserves the right to modify or discontinue the Service at any time. The term, "Business Day," means Monday through Friday, except for holidays.

By using the Service, You are requesting to make a Payment to CULS. You are acknowledging and representing that: (1) You have considered other payment channels, such as delivery of the payment to CULS by U.S. mail, overnight delivery services, or in-person methods, and that you desire to use the Service to process the Payment; (2) You have elected to use the Service and are voluntarily agreeing to have Your Payment processed by using the Service, subject to the Terms and Conditions.

1. COMPLIANCE

(A) You represent, warrant and certify that Your use of the Service shall not in any way, directly or indirectly: (a) violate any law, statute, ordinance, contract or regulation, including but not limited to any law, statute, ordinance, contract or regulation relating to money laundering, illegal gambling activities, support for terrorist activities, fraud or theft; and/or (b) violate any of these Terms and Conditions of use. When required by applicable law, Payments will be reported to federal, state, local or foreign authorities. In addition, CULS will cooperate with law enforcement in the detection or prosecution of illegal activities to the fullest extent permitted or required by applicable law. You will be required to provide CULS with certain information to allow CULS, among other things: to verify Your identity; to receive appropriate authorization; and to complete the Payment. CULS is not an escrow service provider and You agree that You will not use the Service for escrow purposes. You agree that the information You provide is not false, inaccurate or misleading. Please refer to CULS's online privacy statement for information regarding use of Your information.

(B) Regulation E of the Electronic Funds Transfer Act may apply to the Service. Regulation E provides for certain protections that require CULS to furnish certain disclosures regarding your rights and liabilities relating to transfers of funds that can be initiated after you sign up for Services and are incorporated into this Agreement. With regard to these and subsequent disclosures, (i) you confirm that (a) you can receive electronic communications addressed as indicated in your application for Service, and that (b) your computer equipment is capable of printing electronic communications and attachments to such communications; (ii) you agree that (a) by using the Service, you agree to this Agreement, and that (b) any subsequent notices or disclosures will be effective the date we post them to our Web Site, or send them to you electronically (unless we indicate in our communication a later effective date.)

2. METHODS OF PAYMENT.

With the authorization You provide through this Website, or through Alternative Payment Channels ("Authorization"), your credit card will be charged or the bank account You have designated will be debited (either via one of the debit card networks by using Your ATM/debit card or via the Automated Clearing House ("ACH") electronic payment system). You may schedule either one-time or recurring Payments. The Payment screen(s) You access will indicate which Payment options are available. Pursuant to the information and Authorization, your credit card will be charged or the bank account You have designated at the time and in the manner You have authorized (either ATM/debit card or ACH) will be debited to make Payment. Each time You use the Service You agree that CULS, is authorized to process your Payment and facilitate the charging of your credit card or debiting Your designated bank account for the amount of Your Payment and any Convenience Fee that You have agreed to pay and any other applicable fees. You agree not to make a Payment that exceeds Your limits on Your bank card account, transfer limits, or the balance of Your bank account (including any overdraft allowances by Your financial institution). Your agreement with Your bank card issuer and/or financial institution where you have Your bank account governs use of Your bank card and/or bank account, and You must refer to that agreement to ascertain Your rights and liabilities as an account holder or cardholder (which for a credit charge may include a "cash advance" fee).

3. PAYMENT TRANSACTION LIMITS.

CULS, as applicable, reserves the right to limit the maximum amount of a Payment, limit the number of Payments in a time period, and to reject a proposed Payment, in their sole discretion.

4. FEES AND PAYMENT.

Timing of Payments. You should authorize Your Payment at least two (2) Business Days before Your Payment due date. Typically Payments made using Your credit card or ATM/debit card will be charged or debited on the day we receive Your Authorization. Typically Payments made by ACH will be debited from Your bank account on the Business Day following Your Authorization. If we receive Your Authorization on a Business Day prior to the scheduled cutoff time, we will process Your Payment on the same Business Day. If we receive Your Authorization on a day which is not a Business Day or after the day's scheduled cutoff time, we will process Your Payment on the next Business Day. For a recurring Payment, if You schedule a Payment on a date which is not a Business Day, then we will process the Payment on the next Business Day thereafter.

Fees. In consideration for the use of the Service, You may be assessed a Convenience Fee for each Payment transaction initiated by You. If a Convenience Fee applies, then the applicable Convenience Fee for Your Payment will be disclosed to You prior to Your final Authorization of the Payment. A Convenience Fee will only be assessed upon Your Authorization. If You elect to proceed with a Payment, Your credit card will be charged or Your bank account will be debited in the manner You have authorized (either ATM/debit card or ACH) for the amount of the Payment to CULS plus the amount of any applicable Convenience Fee. You agree that any Convenience Fee or portion thereof retained by CULS is a fee for the use of the Service and is not a debt collection fee or a fee or surcharge imposed for making payment via credit or ATM/debit card.

Rejected Payments. If authorization is not received from Your bank or Your bank card issuer, or if Authorization is not received from You to debit Your bank account via ACH for the amount Payment (and Convenience Fee, if any), the Payment will not be completed and/or processed, to the extent permitted by law.

NSF; Additional Fees or Charges. You agree if there are insufficient funds ("NSF") in Your bank account to cover a requested Payment, or if Your bank or bank card issuer rejects a debit for any reason, the Payment will be cancelled and Your Payment will be reversed to the extent permitted by law. If this occurs, You may be liable to the Biller for interest, late fees and other charges, to the extent permitted by law. You may also be liable for any fees charged by the financial institution where You have Your bank account or, with respect to Your bank card, by the financial institution that issued You the bank card.

5. REVOCATION OR CANCELLATION.

You may not cancel a Payment once Your bank card has been charged or Your bank account has been debited. If You schedule recurring Payments, You may revoke Your Authorization by re-accessing the means by which you provided Authorization (e.g. if you provided Authorization through the Website you may revoke Authorization through the Website) or by contacting Customer Service at the number provided in time for us to receive Your request 3 Business Days or more before the Payment is scheduled to be made. If You call, we may also require You to put Your request in writing and get it to us within 3 Business Days before the Payment is scheduled to be made. In addition, if You schedule recurring Payments made from Your bank account via a debit network by using Your ATM/debit card or via ACH, please carefully review the information concerning PREAUTHORIZED PAYMENTS below.

6. REFUNDS.

Unless prohibited by law, no refunds of principal or the Convenience Fee are available once Your bank card has been charged or Your bank account has been debited, unless we processed a Payment in error. Please call CULS if You have questions concerning amounts posted to Your account.

7. LIMITATION OF LIABILITY.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (1) IN NO EVENT SHALL CULS BE LIABLE FOR DAMAGES, INCLUDING FOR DELAY, NON-DELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY PAYMENT OR SERVICE TRANSACTION, WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS OR OTHERWISE, BEYOND THE SUM OF $500 (IN ADDITION TO REFUNDING ANY CONVENIENCE FEE FOR THE AFFECTED PAYMENT, AND THE PAYMENT AMOUNT, IF ANY, HELD BY CULS), and (2) IN NO EVENT WILL CULS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES OR THE LIKE. THESE CONDITIONS CANNOT BE CHANGED OR SUPPLEMENTED ORALLY.

CULS WILL BE RESPONSIBLE FOR ACTING ONLY ON THOSE INSTRUCTIONS THAT ARE PROPERLY TRANSMITTED THROUGH THIS WEBSITE AND ACTUALLY RECEIVED BY CULS, AND DOES NOT ASSUME RESPONSIBILITY FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES NOT UNDER ITS CONTROL THAT MAY AFFECT THE ACCURACY OR TIMELINESS OF SUCH TRANSMISSIONS. CULS IS NOT RESPONSIBLE FOR ANY LOSSES OR DELAYS IN TRANSMISSION OF INSTRUCTIONS ARISING OUT OF THE USE OF ANY INTERNET ACCESS SERVICE PROVIDER OR CAUSED BY ANY BROWSER OR OTHER SOFTWARE OR OTHER CIRCUMSTANCES BEYOND ITS CONTROL. CULS IS NOT RESPONSIBLE SHOULD YOU PROVIDE INCORRECT INFORMATION OR IF YOUR PAYMENT INSTRUCTIONS ARE NOT GIVEN SUFFICIENTLY IN ADVANCE TO ALLOW FOR TIMELY PROVISION OF THE SERVICES YOU REQUESTED.

8. RESOLUTION OF DISPUTES.

Unless You opt out as set forth below, any dispute arising from or relating to Service or your Payment(s) shall be resolved by mandatory and binding arbitration. However, the parties will work in good faith to resolve any disputes under this Agreement. If the Parties are unable to resolve a dispute within thirty (30) days following the date that one Party sends written notice of the dispute to the other Party, the Parties shall submit their dispute to binding arbitration in Atlanta, Georgia, pursuant to the Commercial Arbitration Rules of the American Arbitration Association, provided that the Parties will seek to agree upon reasonable modifications to such Rules to expedite the proceedings and reduce expenses and further provided that each Party shall be entitled to reasonable discovery consistent with the discovery provisions of the Federal Rules of Civil Procedure. Arbitration shall be before a single arbitrator agreed upon by the Parties or, in the absence of such agreement, to be appointed by the American Arbitration Association. The prevailing party in any such arbitration shall be entitled to recover, in addition to any other relief awarded or granted, its reasonable costs and expenses (including attorneys' fees) incurred in connection with such dispute, from the non-prevailing party. IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.

9. INDEMNITY.

You agree to indemnify, defend and hold harmless CULS, and all its officers, directors, owners, agents, employees, affiliates, licensors, licensees and third party service providers (collectively, the "Indemnified Parties") from and against any and all losses, damages, liabilities, and claims and all fees, costs, expenses of any kind related thereto (including, without limitation, reasonable attorneys' fees) incurred by the Indemnified Parties in connection with any claim arising out of, based upon or resulting from (i) Your access to and/or use of the Website or Services; and/or (ii) Your breach or violation of the Terms and Conditions. CULS reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by You. You shall not in any event settle any Indemnified matter without the written consent of CULS.

10. INTELLECTUAL PROPERTY.

The Website, the Service, the content, and all intellectual property pertaining thereto and contained therein (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by CULS or third parties, and all right, title and interest therein and thereto shall remain the property of CULS and/or such other third parties. The Website and the Service may be used only for the purpose permitted by these Terms and Conditions. You are authorized solely to view and retain a copy of the pages of the Website for Your own personal, non-commercial use. You agree that You may not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Website, the Service or any portion thereof for any public or commercial use without the express written consent of CULS. You further agree not to: (i) use any robot, spider, scraper or other automated device to access the Website and/or Service, the Website, any Alternative Payment Channels, or any information contained therein; (ii) disguise the origin of information transmitted to, from, or through the Service, the Website, or any Alternative Payment Channels; or (iii) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Website (or printed pages thereof). The name CULS and other names and indicia of ownership of The Credit Union Loan Source, LLC are the exclusive marks of CULS or other third parties. Other product, service and company names appearing on the Website may be trademarks of their respective owners.

11. DISCLAIMER OF WARRANTIES.

Except as otherwise expressly provided in any applicable agreement, you understand and agree that your use of CULS Service or our web site is at your sole risk and that online services and all information, products and other content (including third party information, products and content) included in or accessible from our web site, is provided on an "as is" "where-is" and "where available" basis, and is subject to change at any time without notice to you except where required by applicable law. You acknowledge that we make no warranty that online services or your access to our web site will be uninterrupted, timely, secure or error-free unless otherwise stated on the site or in any applicable agreement. To the fullest extent permitted by law, we disclaim all representations, warranties and conditions of any kind (express, implied, statutory or otherwise, including but not limited to the warranties of merchantability and fitness for a particular purpose, title and non-infringement of proprietary rights) as to Service or the web site and all information, products and other content (including third party information, products and content) included in or accessible from the web site.

12. LINKS TO OTHER SITES.

The Website may contain links and pointers to other World Wide Web Internet sites and resources (the "Linked Sites"). Links to any Linked Site do not constitute an endorsement by or association with CULS or any of its affiliates to any third-party resources or their contents. Links do not imply that CULS is affiliated or associated with or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any Linked Sites are authorized to use any trademark, trade name, logo or copyright symbol of CULS or any of its affiliates. You should direct any concerns regarding any Linked Site to such Linked Site's site administrator or webmaster. CULS does not represent or endorse the accuracy or reliability of, and expressly disclaims, any advice, opinion, statement, or other information displayed or distributed through any Linked Site. You agree that reliance upon any opinion, advice, or information displayed on or otherwise available through any Linked Site shall be at Your sole risk.

13. THIRD-PARTY USE OF SERVICES.

The Service shall only be used by actual and bona-fide customers of CULS. Unless expressly authorized in writing, You shall not use the Services, Website, any Alternative Payment Channel, or any information contained therein for any commercial use. Third-party commercial payment aggregators (third-party payment servicers or processors, or any other entities submitting Service transactions or Payments on behalf of User-customers) may not submit Service transactions or Payments, or otherwise use the Services, Website, or any Alternative Payment Channel. By conducting a Service transaction, making a Payment, or accessing the Services or Website (including through Alternative Payment Channels) You represent and warrant that: (i) You are a customer of CULS, (ii) that You are using the Services and/or submitting a Payment transaction on Your own behalf, or as an employee, owner or principal of the User-customer, and (iii) that You are not using the Service or Website under a claim of agency or other third-party relationship on behalf of a User-customer, and (iv) that You are not using the Service or Website for profit, financial gain, or any commercial benefit. You hereby agree to be liable to us for all interchange fees and merchant fees, and all other costs and fees associated with processing all Payments and Service transactions submitted by You in violation of this Section. You further agree to be liable to us for all other damages, costs, fees, expenses, and reasonable attorney fees incurred by us arising out of, or related to, Your breach of this Section. The provisions set forth in Section 8 (Resolution of Disputes) shall not apply to any action or claim made by CULS arising under, or related to, this Section 12.

14. MISCELLANEOUS.

These Terms and Conditions, together with all other items incorporated herein by reference, embody the entire agreement and understanding between You and us regarding the Services, Website, Alternative Payment Channels and supersedes all prior agreements or understandings You have with CULS. CULS has the right to assign these Terms and Conditions to a subsidiary or affiliate, company, or any third party, at any time without Your consent. You may not assign or transfer these Terms and Conditions without our prior written consent. If any one or more of these Terms and Conditions shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable. Your access to and use of the Services, the Website, and any Alternative Payment Channels is governed by Georgia law, without regard to its rules regarding conflicts of law. The Services, the Website, and any Alternative Payment Channels are directed to persons age 18 and over residing in the U.S. The Services, the Website, and any Alternative Payment Channels are not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. We reserve the right to limit, condition, modify, or refuse access to the Services, the Website, and any Alternative Payment Channels to any person or entity. You and We covenant and agree that these Terms and Conditions may not be changed or amended orally and that neither of us will attempt to change or amend this agreement orally.

SPECIAL INFORMATION FOR PAYMENTS MADE FROM YOUR BANK ACCOUNT (VIA A DEBIT NETWORK BY USING YOUR ATM/DEBIT CARD OR VIA ACH)

1. ERROR RESOLUTION.

ALL QUESTIONS ABOUT YOUR PAYMENT(S) OR THE SERVICE MUST BE DIRECTED TO US, AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR ACCOUNT. We are responsible for the Service and for resolving any errors in Payments made with the Service. We will send you a periodic statement listing the Payments that you make. The Payments will also appear on the statement issued by Your bank or other financial institution. SAVE THE RECEIPTS YOU ARE GIVEN WHEN YOU USE THE SERVICE, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM YOUR BANK OR OTHER FINANCIAL INSTITUTION. In case you have any questions about one of these transactions, call us at the Customer Service number indicated below.

In case of errors or questions about Your Payment, contact the Customer Service number below as soon as You can if You think Your bank account statement, ATM/debit card account statement, or receipt is wrong or if You need more information about a Payment listed on Your statement or receipt. We must hear from You no later than 90 days after Your financial institution sends You the first statement on which the problem or error appeared (this time period is subject to extension if a delay results from Your initial attempt to notify Your financial institution rather than us). (1) Tell us Your name and Your bank account number and/or ATM/debit card account number; (2) Describe the error or Payment You are unsure about, and explain as clearly as You can why You believe it is an error or why You need more information; and (3) Tell us the dollar amount of the suspected error. If You tell us orally, we may require that You send us Your complaint or question in writing within 10 Business Days. We will determine whether an error occurred within 10 Business Days after we hear from You and if we determine that an error occurred, we will correct any error promptly. If we need more time, however, we may take up to 60 days to investigate Your complaint or question. We will tell You the results within three Business Days after completing our investigation. If we decide that there was no error, we will send You a written explanation. You may ask for copies of the documents that we used in our investigation.

2. LIABILITY FOR UNAUTHORIZED DEBITS TO YOUR BANK ACCOUNT AND/OR ATM/DEBIT CARD ACCOUNT.

Tell us AT ONCE by contacting Customer Service at the number below if You believe someone has used or may use the Service without Your permission to authorize a debit to Your bank account or to Your ATM/debit card account. You should also contact Your financial institution and/or ATM/debit card issuer. Calling immediately is the best way to keep Your possible losses down. You could lose all the money in Your bank account and/or ATM/debit card account (plus Your maximum overdraft line of credit). If You tell us within 4 Business Days after You learn of an unauthorized debit from Your bank account and/or ATM/debit card account, You can lose no more than $50 if someone used the Service to authorize a debit to Your bank account or to Your ATM/debit card account without Your permission. If You do NOT tell us within 4 Business Days after You learn of an unauthorized debit from Your bank account and/or ATM/debit card account, and we can prove we could have prevented the loss, You could lose as much as $500. Also, if Your bank account and/or ATM/debit card account statement shows any unauthorized debits that You did not make, tell us at once. If You do not tell us within 90 days after the statement was mailed to You, you may not get back any money you lost after the 90 days if we can prove that we could have prevented the loss. If a good reason (such as a long trip or a hospital stay) kept you from telling us within 90 days, we will extend the time period.

3. DOCUMENTATION/INFORMATION.

Payments and fees will be listed as Payment to CULS on Your ATM/debit card account statement and/or Your bank account statement. A confirmation receipt will be made available to You on this Website after You submit Your Payment information. You should print and retain a copy of the confirmation or copy it to Your hard drive for Your records. You may also contact Customer Service at the number below at anytime to learn of debits to Your bank account and/or ATM/debit card account through the Service. We will send You a periodic statement and/or make a periodic statement viewable and available through email and/or the Service under Your account, which lists Payments that You make using the Service (“Documentation”). The Payments will also appear on the statement issued by Your financial institution. If You have any questions about one of these Payments, contact Customer Service. CULS may retain one copy of Your Documentation for the purposes of and for so long as required by Law or CULS internal compliance requirements.

4. CONFIDENTIALITY.

Information gathered from You or used in connection with a Payment is subject to the privacy statement available on the CULS website.

5. OUR LIABILITY.

If we fail to charge or debit Your account in accordance with these Terms and Conditions in the correct amount or in a timely manner when properly instructed by You, we will be liable for certain losses proximately caused by our failure as the law may impose in such cases. However, there are some exceptions. For example, we will not be liable: (1) If there are insufficient funds in Your bank account or ATM/debit card account; (2) If we do not receive authorization from the bank card issuer or Authorization from You to debit Your bank account by ACH; (3) If You decline to authorize the Payment of an applicable Convenience Fee; or (4) If circumstances beyond our control prevent the Payment, despite reasonable precautions that we have taken. In addition, there may be other exceptions in our agreement with You. Under such circumstances, CULS assumes no obligation to complete a Payment or process the Payment for You. You agree that CULS shall not be liable for damages resulting from nonpayment or any failure to complete any applicable Payment by reason of the foregoing, or other matters beyond its control.

For telephone inquiries or comments, please call Customer Service at: (866) 612-2857.

E-Sign Disclosure and Consent Notice

This E-Sign Disclosure and Consent Notice ("Notice") applies to all communications, as defined below. For the Electronic Service under this Notice, communications You receive in electronic form from us will be considered "in writing."

By using the Services ("Electronic Services") You hereby consent to this Notice and affirm that You have access to the hardware and software requirements identified below. In addition, You must review and accept the terms of these Electronic Services. If You choose not to consent to this Notice or You withdraw Your consent, You will be restricted from using Electronic Services.

COVERED COMMUNICATIONS

Communications include, but are not limited to, disclosures and communications we provide to You regarding our services such as: (i) terms and conditions or notices and any changes thereto; (ii) pre-payment disclosures, Payment receipts and confirmations; and (iii) customer service communications (such as claims of error communications) ("Communications").

METHODS OF PROVIDING COMMUNICATIONS

We may provide Communications to You by email or by making them accessible on the websites, mobile applications, or mobile websites (including via "hyperlinks" provided online and in e-mails). Communications may be provided online and viewable using browser software or PDF files.

HARDWARE AND SOFTWARE REQUIREMENTS

To access and retain electronic Communications, You must have and/or have access to:

• A valid email address;

• A computer, mobile, tablet or similar device with internet access and current browser software and computer software that is capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form;

• Sufficient storage space to save Communications (whether presented online, in e-mails or PDF) or the ability to print Communications.

We may request that You respond to an email to demonstrate You are able to receive these Communications.

HOW TO WITHDRAW YOUR CONSENT

You may withdraw Your consent to receive Communications under this Notice by contacting us at 866-612-2857 and Your withdrawal of consent will cancel Your agreement to receive electronic Communications, and therefore, Your ability to use our Electronic Services.

UPDATING YOUR CONTACT INFORMATION

It is Your responsibility to keep Your primary email address current so that we can communicate with You electronically. You understand and agree that if we send You a Communication but You do not receive it because Your primary email address on file is incorrect, out of date, it is blocked by Your service provider, or You are otherwise unable to receive electronic Communications, we will be deemed to have provided the Communication to You; however, we may deem Your account inactive. You may not be able to transact using our Online Services until we receive a valid, working primary email address from You.

If You use a spam filter or similar software that blocks or re-routes emails from senders not listed in Your email address book, we recommend that You add us to Your email address book so that You can receive Communications by e-mail.

You can update Your primary email address or other information by contacting us at 866-612-2857 or online via your user profile at www.culoansource.com.

FEDERAL LAW

You acknowledge and agree that Your consent to electronic Communications is being provided in connection with a Payment affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that You and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with You by electronic means.

TERMINATION/CHANGES

We reserve the right, in our sole discretion, to discontinue the provision of Your Communications, or to terminate or change the terms and conditions on which we provide Communications. We will provide You with notice of any such termination or change as required by law.