Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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In the event that you withdraw your consent for electronic delivery, PĀZERO® will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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You may withdraw consent for the electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, PĀZERO® will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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Withdrawal of Consent for Electronic Delivery

You may withdraw consent for the electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, PĀZERO® will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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If you do not want to receive the legal disclosures, agreements, and instructions electronically, you should exit this area of our website. If you consent to receive the disclosures, agreements, and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements, and instructions. We will not charge you any fees for providing a paper copy of the disclosures, agreements, and instructions.

Withdrawal of Consent for Electronic Delivery

You may withdraw consent for the electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, PĀZERO® will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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Paper Copy of Disclosures, Agreements, and Instructions

If you do not want to receive the legal disclosures, agreements, and instructions electronically, you should exit this area of our website. If you consent to receive the disclosures, agreements, and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements, and instructions. We will not charge you any fees for providing a paper copy of the disclosures, agreements, and instructions.

Withdrawal of Consent for Electronic Delivery

You may withdraw consent for the electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, PĀZERO® will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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You must consent to receive the related legal disclosures, agreements, and instructions before we can provide them to you electronically. Your consent will only apply to the loan and related products you have selected, the related legal disclosures, and agreements. You will not be consenting to receive other electronic records or disclosures at this time.

Paper Copy of Disclosures, Agreements, and Instructions

If you do not want to receive the legal disclosures, agreements, and instructions electronically, you should exit this area of our website. If you consent to receive the disclosures, agreements, and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements, and instructions. We will not charge you any fees for providing a paper copy of the disclosures, agreements, and instructions.

Withdrawal of Consent for Electronic Delivery

You may withdraw consent for the electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, PĀZERO® will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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Your Consent is Required

You must consent to receive the related legal disclosures, agreements, and instructions before we can provide them to you electronically. Your consent will only apply to the loan and related products you have selected, the related legal disclosures, and agreements. You will not be consenting to receive other electronic records or disclosures at this time.

Paper Copy of Disclosures, Agreements, and Instructions

If you do not want to receive the legal disclosures, agreements, and instructions electronically, you should exit this area of our website. If you consent to receive the disclosures, agreements, and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements, and instructions. We will not charge you any fees for providing a paper copy of the disclosures, agreements, and instructions.

Withdrawal of Consent for Electronic Delivery

You may withdraw consent for the electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, PĀZERO® will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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In order to speed up the loan application process, with your consent, we will provide you with the following information electronically, rather than by postal mail or in-person: a loan application and all related disclosures required by applicable federal and state law for the loan you have selected; and information and instructions about any additional services that you select during the application process.

Your Consent is Required

You must consent to receive the related legal disclosures, agreements, and instructions before we can provide them to you electronically. Your consent will only apply to the loan and related products you have selected, the related legal disclosures, and agreements. You will not be consenting to receive other electronic records or disclosures at this time.

Paper Copy of Disclosures, Agreements, and Instructions

If you do not want to receive the legal disclosures, agreements, and instructions electronically, you should exit this area of our website. If you consent to receive the disclosures, agreements, and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements, and instructions. We will not charge you any fees for providing a paper copy of the disclosures, agreements, and instructions.

Withdrawal of Consent for Electronic Delivery

You may withdraw consent for the electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, PĀZERO® will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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Electronic Copy of Related Disclosures, Agreements, and Instructions

In order to speed up the loan application process, with your consent, we will provide you with the following information electronically, rather than by postal mail or in-person: a loan application and all related disclosures required by applicable federal and state law for the loan you have selected; and information and instructions about any additional services that you select during the application process.

Your Consent is Required

You must consent to receive the related legal disclosures, agreements, and instructions before we can provide them to you electronically. Your consent will only apply to the loan and related products you have selected, the related legal disclosures, and agreements. You will not be consenting to receive other electronic records or disclosures at this time.

Paper Copy of Disclosures, Agreements, and Instructions

If you do not want to receive the legal disclosures, agreements, and instructions electronically, you should exit this area of our website. If you consent to receive the disclosures, agreements, and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements, and instructions. We will not charge you any fees for providing a paper copy of the disclosures, agreements, and instructions.

Withdrawal of Consent for Electronic Delivery

You may withdraw consent for the electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, PĀZERO® will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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Please read this Electronic Records Disclosure and Agreement carefully and keep a copy for your records.

Electronic Copy of Related Disclosures, Agreements, and Instructions

In order to speed up the loan application process, with your consent, we will provide you with the following information electronically, rather than by postal mail or in-person: a loan application and all related disclosures required by applicable federal and state law for the loan you have selected; and information and instructions about any additional services that you select during the application process.

Your Consent is Required

You must consent to receive the related legal disclosures, agreements, and instructions before we can provide them to you electronically. Your consent will only apply to the loan and related products you have selected, the related legal disclosures, and agreements. You will not be consenting to receive other electronic records or disclosures at this time.

Paper Copy of Disclosures, Agreements, and Instructions

If you do not want to receive the legal disclosures, agreements, and instructions electronically, you should exit this area of our website. If you consent to receive the disclosures, agreements, and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements, and instructions. We will not charge you any fees for providing a paper copy of the disclosures, agreements, and instructions.

Withdrawal of Consent for Electronic Delivery

You may withdraw consent for the electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, PĀZERO® will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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ELECTRONIC RECORDS DISCLOSURE AND AGREEMENT.

Please read this Electronic Records Disclosure and Agreement carefully and keep a copy for your records.

Electronic Copy of Related Disclosures, Agreements, and Instructions

In order to speed up the loan application process, with your consent, we will provide you with the following information electronically, rather than by postal mail or in-person: a loan application and all related disclosures required by applicable federal and state law for the loan you have selected; and information and instructions about any additional services that you select during the application process.

Your Consent is Required

You must consent to receive the related legal disclosures, agreements, and instructions before we can provide them to you electronically. Your consent will only apply to the loan and related products you have selected, the related legal disclosures, and agreements. You will not be consenting to receive other electronic records or disclosures at this time.

Paper Copy of Disclosures, Agreements, and Instructions

If you do not want to receive the legal disclosures, agreements, and instructions electronically, you should exit this area of our website. If you consent to receive the disclosures, agreements, and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements, and instructions. We will not charge you any fees for providing a paper copy of the disclosures, agreements, and instructions.

Withdrawal of Consent for Electronic Delivery

You may withdraw consent for the electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity, or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, PĀZERO® will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® website www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

Updating Your Contact Information:

To provide updated information on how we may contact you electronically, you must either: (i) write to us at PĀZERO®, Customer Service, 2030 Powers Ferry Rd, Suite 204, Atlanta, GA 30339; (ii) use a method that may be available to you at the PĀZERO® www.payzerofinancial.com; or (iii) contact Customer Service at 833-321-9376.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

You must have a personal computer or other access devices that are capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection, or some other means of access to the Internet, and you must have an active account with an Internet service provider).

You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.

You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information.

To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. You must have a functioning printer connected to your personal computer or other access devices that are able to print the related legal disclosures, agreements, instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments.

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand, and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications, and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

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