Common use of HOW AND WHEN TO MAKE PAYMENTS Clause in Contracts

HOW AND WHEN TO MAKE PAYMENTS. When You Must Pay We must receive at least the Minimum Payment due on your Account by 7:00 p.m. Eastern Time on the Payment Due Date of each billing period. The Minimum Payment Due and Payment Due Date are shown on each billing statement. Payments received after the Cut-Off Time will be credited to your Account no later than the next business day. Credit to your Account may be delayed for up to five (5) days if we receive a payment that does not adhere to the requirements set forth in this section and on your statement. For your payment to be considered on time, we must receive at least the Minimum Payment Due in such time and manner by the Payment Due Date shown on your billing statement. The available credit on your Account may not reflect your payment for up to fifteen (15) business days or longer if we doubt the collectability of the payment or if we suspect fraudulent activity on your Account. Nonetheless, we will credit your payment to your Account as of the business day that we receive it (provided we receive it prior to 7:00 p.m. Eastern Time). How To Make Payments You can pay through your Sable app or through your externally connected account via ACH as a one-time payment or by setting up automatic payments. Your payment must be made in U.S. dollars. You agree not to send us checks. If you do, we have the right to return the check to the address it is received from and not credit the payment to your account. If your payment meets the above requirements, we will credit it to your Account as of the day we receive it, as long as we receive it by the time disclosed in your billing statement. Payment Allocation We credit your payments in accordance with our payment instructions of applying to interest charges first and then to balances due. Payments must be made in US dollars, do not send cash. Payments in excess of the Minimum Payment Due are applied in accordance with law. This means that we will generally apply payments in excess of the Minimum Payment Due to older transactions first. Credits are applied at our discretion and you authorize us to apply payments in a way that is most favorable or convenient for us. Credit Reports And Account Information You give us permission to request information from you and to make whatever inquiries we consider necessary and appropriate (including requesting a consumer report from consumer reporting agencies) in reviewing your account and for any lawful purpose, including any updates or extensions of credit, or reviewing or collecting your Account. Upon your request to us, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report, if any, relating to you. We may also furnish information concerning your Account as well as information concerning you to consumer reporting agencies and to other proper parties. Customer Privacy Our privacy policy (“Privacy Policy”) is provided separately in accordance with applicable law and can also be viewed online at xxx.xxxxxxxxx.xxx. Coastal Community Bank’s privacy policy is located here: xxxxx://xxx.xxxxxxxxxxx.xxx/privacy-notice.html. Address/Phone Change You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You also agree to tell us right away if you change your address (mailing or email) or any phone number. Telephone Monitoring For quality control, you allow us to listen to and/or record telephone calls between you and us. Emails You consent to us emailing you for any lawful purpose, including marketing if you have opted in.

HOW AND WHEN TO MAKE PAYMENTS. When payments are due. You Must Pay We must receive at least the Minimum Payment pay-in-full each payable installment due on your Account account by 7:00 5 p.m. Eastern Time on the Payment Due Date of each billing period. The Minimum Payment Due and Payment Due Date are shown EST on each billing statementinstallment due date. Payments received after the Cut-Off Time 5 p.m. EST will be credited to your Account no later than as of the next business day. Credit You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment; however, in so doing, you will not receive any prepayment rebates or refunds. If you have a balance subject to your Account interest, earlier payment may be delayed for up to five (5) days if we receive a payment that does not adhere to reduce the requirements set forth in this section and amount of interest you will pay. We may delay making credit available on your statement. For account in the amount of your payment to be considered on time, we must receive at least the Minimum Payment Due in such time and manner by the Payment Due Date shown on your billing statement. The available credit on your Account may not reflect your payment for up to fifteen (15) business days or longer if we doubt the collectability of the payment or if we suspect fraudulent activity on your Account. Nonetheless, even though we will credit your payment when we receive it. Payment allocation. We will apply your monthly installment payment to balances on your Account as account using any method we choose. To the extent permitted by applicable law, payments will be applied first to returned payment charges and any other fee or charges, then to accrued interest to the date payment is received, and then any remainder to the principal balance of the business day that we receive it (provided we receive it prior to 7:00 p.m. Eastern Time). How To Make Payments You can pay through your Sable app or through your externally connected account via ACH as a one-time payment or by setting up automatic payments. Your payment must be made in U.S. dollars. You agree not to send us checksloan. If you doare the primary borrower on multiple accounts with us, we have the right to return the check to the address it is received from and not credit the payment to your account. If your payment meets the above requirements, we will credit it to your Account as of the day we receive it, as long as we receive it by the time disclosed in your billing statement. Payment Allocation We credit your any payments in accordance with our payment instructions of applying to interest charges first and then to balances due. Payments must be made in US dollars, do not send cash. Payments you make in excess of the Minimum Payment Due are your scheduled monthly installment will be applied in accordance with lawto higher APR balances before lower APR balances. This means that we will generally apply payments in excess of the Minimum Payment Due to older transactions first. Credits are applied at our discretion and you authorize Applicable law may require or permit us to apply excess payments in a way that is most favorable or convenient for us. Credit Reports And Account Information You give us permission to request information from you and to make whatever inquiries we consider necessary and appropriate (including requesting a consumer report from consumer reporting agencies) different manner in reviewing certain situations, such as when your account has a certain type of special promotion. As amortized, the amount of each successive installment payment allocated to interest will decline and that allocated to principal will increase. INFORMATION ABOUT YOU Using and sharing your information. When you applied for an account, you gave us and providers that accept us information about yourself that we could share with each other. Providers that accept us (and their respective affiliates) will use the information in connection with the financing program and for any lawful purposethings like creating and updating their records and offering you special benefits. More information Address, including any updates or extensions of creditphone number, or reviewing or collecting your Accountname change. Upon your request to us, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report, if any, relating to you. We may also furnish information concerning your Account as well as information concerning you to consumer reporting agencies and to other proper parties. Customer Privacy Our privacy policy (“Privacy Policy”) is provided separately in accordance with applicable law and can also be viewed online at xxx.xxxxxxxxx.xxx. Coastal Community Bank’s privacy policy is located here: xxxxx://xxx.xxxxxxxxxxx.xxx/privacy-notice.html. Address/Phone Change You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You also agree to tell us right away if you change your address (mailing or email) name, physical address, email address, or any phone number. Telephone Monitoring For quality control, you allow us Consent to listen to and/or record telephone calls between you and uscommunications. Emails You consent to us emailing us, as well as any other owner or servicer of your account , contacting you through any channel of communication and for any lawful purpose, including marketing as permitted by applicable law. For informational, servicing, fraud, or collection related communications, you agree that we may use the phone numbers that you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls made by an automatic telephone dialing system. Text frequency may vary and may be recurring. This consent applies even if you are charged for the call under your plan. You are responsible for any charges that may be billed to you by your communications carrier when we contact you. Message and data rates may vary. We and any carrier are not liable for delayed or undelivered messages. If you have opted inquestions, please call 000-000-0000.

HOW AND WHEN TO MAKE PAYMENTS. When You Must Pay We must receive at least the Minimum Payment due on your Account by 7:00 p.m. Eastern Time on the Payment Due Date of each billing period. The Minimum Payment Due and Payment Due Date are shown on each billing statement. Payments received after the Cut-Off Time will be credited to your Account no later than the next business day. Credit to your Account may be delayed for up to five (5) days if we receive a payment that does not adhere to the requirements set forth in this section and on your statement. For your payment to be considered on time, we must receive at least the Minimum Payment Due in such time and manner by the Payment Due Date shown on your billing statement. The available credit on your Account may not reflect your payment for up to fifteen (15) business days or longer if we doubt the collectability of the payment or if we suspect fraudulent activity on your Account. Nonetheless, we will credit your payment to your Account as of the business day that we receive it (provided we receive it prior to 7:00 p.m. Eastern Time). How To Make Payments You can pay through your Sable app or through your externally connected account via ACH as a one-time payment or by setting up automatic payments. Your payment must be made in U.S. dollars. You agree not to send us checks. If you do, we have the right to return the check to the address it is received from and not credit the payment to your account. If your payment meets the above requirements, we will credit it to your Account as of the day we receive it, as long as we receive it by the time disclosed in your billing statement. Payment Allocation We credit your payments in accordance with our payment instructions of applying to interest charges first and then to balances due. Payments must be made in US dollars, do not send cash. Payments in excess of the Minimum Payment Due are applied in accordance with law. This means that we will generally apply payments in excess of the Minimum Payment Due to older transactions first. Credits are applied at our discretion and you authorize us to apply payments in a way that is most favorable or convenient for us. Credit Reports And Account Information You give us permission to request information from you and to make whatever inquiries we consider necessary and appropriate (including requesting a consumer report from consumer reporting agencies) in reviewing your account and for any lawful purpose, including any updates or extensions of credit, or reviewing or collecting your Account. Upon your request to us, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report, if any, relating to you. We may also furnish information concerning your Account as well as information concerning you to consumer reporting agencies and to other proper parties. Customer Privacy Our privacy policy (“Privacy Policy”) is provided separately in accordance with applicable law and can also be viewed online at xxx.xxxxxxxxx.xxx. Coastal Community Bank’s privacy policy is located here: xxxxx://xxx.xxxxxxxxxxx.xxx/privacy-notice.html. Address/Phone Change You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You also agree to tell us right away if you change your address (mailing or email) or any phone number. Telephone Monitoring For quality control, you allow us to listen to and/or record telephone calls between you and us. Emails You consent to us emailing you for any lawful purpose, including marketing if you have opted in.

HOW AND WHEN TO MAKE PAYMENTS. When You Must Pay Your full Account balance is due every two weeks, and in most cases the due date is aligned to your payroll dates as detected by our systems in your Linked Account. Depending on your payroll cycle and account activation date, your first payment may be due within less than two weeks of account opening. We must receive at least the Minimum Payment due on your Account full Current Balance Due or any required Plan payment by 7:00 5:00 p.m. Eastern Pacific Time (“Cut-Off Time”) on the Payment applicable due date. Due Date of each billing period. The Minimum Payment Due and Payment Due Date dates for any Plan payments are shown on each billing statement. Payments received after the Cut-Off Time will be credited to your Account no later than the next business dayBusiness Day. For your payment to be considered on time, we must receive it by the Cut-Off Time. If your payment is due on a weekend or federal holiday, your payment will be on-time if it is received by the Cut-Off time on the next Business Day (Mondays through Fridays, excluding federal holidays). Credit to your Account may be delayed for up to five (5) days if we receive a payment that does not adhere to meet the requirements set forth in this section and on your statement. For your payment to be considered on time, we must receive at least the Minimum Payment Due in such time and manner by the Payment Due Date shown on your billing statement. The available credit on your Account may not reflect your payment for up to fifteen (15) business days Business Days or longer if if: we doubt the collectability of the payment or if payment, we suspect fraudulent activity on your AccountAccount or you have provided inaccurate banking information. Nonetheless, we We will credit your payment to your Account as of the business day Business Day that we receive it (provided we receive it prior it, subject to 7:00 p.m. Eastern the Cut-Off Time). How To Make Payments You can pay through your Sable app or through the Possible Finance App using your externally connected account via ACH as a one-time payment or debit card, including by setting up automatic payments. Your payment must be made in U.S. dollars. You agree not to send us checks. If you do, we have the right to return the check to the address it is received from and not credit the payment to your account. If your payment meets the above requirements, we will credit it to your Account as of the day we receive it, as long as we receive it by the time disclosed in your billing statement. Payment Allocation We credit your payments in accordance with our payment instructions of and any Account credits by applying them first to interest charges first any unpaid Monthly Fees and then to balances duePurchases and other debits. Late Payments must be made in US dollars, We do not send cashcharge late fees. Payments in excess of If your full Current Balance is not received by the Minimum Payment Cut-Off Time on your Statement Due are applied in accordance with law. This means that we will generally apply payments in excess of the Minimum Payment Due to older transactions first. Credits are applied at our discretion Date and you authorize us to apply payments have not opted into a Plan, your payment will be late. If you are enrolled in a way that Plan and your payment is most favorable or convenient for usnot received by the due date (and prior to Cut-Off Time), your payment will be considered late. Credit Reports And Account Information All late payments are subject to negative credit reporting. You give us permission to request information from you and to make whatever inquiries we consider necessary and appropriate (including requesting a consumer report from consumer reporting agencies) in reviewing your account and for any lawful purpose, including any updates or extensions of credit, or reviewing or collecting your Account. Upon your request to us, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report, if any, relating to you. We may also furnish information concerning your Account as well as information concerning you to consumer reporting agencies and to other proper parties. Customer Possible Finance’s GLBA Financial Privacy Our privacy policy (“Privacy Policy”) Notice is provided separately in accordance with applicable law and can also be viewed online at xxx.xxxxxxxxx.xxx. xxxxx://xxx.xxxxxxxxxxxxxxx.xxx/glba/. Coastal Community Bank’s privacy policy is located here: xxxxx://xxx.xxxxxxxxxxx.xxx/privacy-notice.html. Address/Phone Change You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You also agree to tell us right away if you change your address (mailing or email) or any phone number. Telephone Monitoring For quality control, you allow authorize us to listen to and/or record telephone calls between you and us. Emails You consent to us emailing you for any lawful purpose, including marketing if you have opted in.