Include My Rent

Terms and Conditions

EFFECTIVE March 27, 2023

This Document contains the Terms and Conditions of becoming an Include My Rent Subscriber.

BY ACCESSING AND/OR USING THE Include My Rent (THE COMPANY) WEBSITE (THE "WEBSITE") AND/OR OUR SERVICE (THE "SERVICE"), YOU AGREE TO COMPLY WITH, AND BE BOUND BY, THE FOLLOWING TERMS AND CONDITIONS (THE "AGREEMENT").

Notice Regarding Dispute Resolution: These Terms contain provisions that govern how claims you
and Include My Rent may have against each other are resolved (see the Section on “Dispute Resolution”

below), including an obligation to arbitrate disputes, which will, subject to limited exceptions, require you to submit claims you have against us to binding arbitration.

This Website is not directed towards residents of the European Union. Under no circumstances are residents of the European Union permitted to visit our Site and share their personal information.

The Agreement Notice -- Read This

WHEN YOU COMPLETE YOUR APPLICATION, YOU, THE TENANT, ARE CLAIMING THAT YOU HAVE READ, ACCEPTED, AND FULLY UNDERSTAND THE TERMS OF THIS AGREEMENT, ELECTRONIC RECORDS POLICY, AND OFFER DETAILS.

THIS AGREEMENT IS A CONTRACT. UNDER THE TERMS OF THE CONTRACT, YOU RECEIVE CERTAIN RIGHTS DUE YOU FROM INCLUDE MY RENT AND YOU, IN TURN, GIVE INCLUDE MY RENT CERTAIN RIGHTS THAT AFFECT YOU. THIS CONTRACT ALSO CONTAINS PROVISIONS THAT DELINEATE AND RESTRICT YOUR RIGHTS ABOUT REFUND AND WARRANTY AND THAT LIMIT THE LIABILITY OF INCLUDE BY RENT.

YOU MUST ACCEPT THESE TERMS OR INCLUDE MY RENT WILL NOT TRANSACT BUSINESS WITH YOU. YOUR APPLICATION WILL NOT BE PROCESSED IF YOU DO NOT ACCEPT THESE TERMS.

YOUR PLEDGE OF AN UNDERSTANDING OF THIS CONTRACT AND ACCEPTANCE OF THE RIGHTS, DUTIES, AND LIMITATIONS EMBODIED IN IT, IS A MATERIAL PART OF THE LEGAL CONSIDERATION THAT THE COMPANY REQUIRES FROM YOU AS A CONDITION

OF
Include My Rent services offer a historical and an ongoing verification of rental payments. Should the Include My Rent account become inactive, it may result in closure of account. *AUTHORIZATION TO CHARGE:

I, SUBSCRIBER, authorize Include My Rent to debit the credit or debit account indicated in this web form, for the noted amount on today’s date. I understand that because this is an electronic transaction, these funds

PROCESSING YOUR APPLICATION.

may be withdrawn from my account as soon as the above noted transaction date. *If the Transaction is

rejected for Non-Sufficient Funds (NSF), you may be charged a $20.00 NSF Fee that can be added to your balance if not brought current. No NSF fee will be charged if your state of residence is DE, MD, NE or WY. I acknowledge that the origination of transactions to my account must comply with the provisions of U.S. law. I will not dispute merchants debiting my checking/savings account, so long as the transaction corresponds to the terms indicated in this web form.

PARTIES TO THIS AGREEMENT AND DISCLAIMER

The parties to this agreement are the website or its owners, INCLUDE MY RENT, hereafter "IMR," and you, the prospective SUBSCRIBER, hereafter "SUBSCRIBER". Persons or entities who are not participants in this contract but who have an indirect relationship, such as a supplier, joint venture partner, membership

organization, or sales affiliate, are herein described as "THIRD PARTY OR THIRD PARTIES." The recipient

of the subscription herein sold, where said subscription is ordered by and paid for by someone other than the recipient, is classified herein as if that recipient were the ordering SUBSCRIBER with the same rights, duties, and obligations as the SUBSCRIBER, but may also be referred to herein as "RECIPIENT".

SUBJECT MATTER OF THIS SUBSCRIPTION AGREEMENT

The subject matter of this agreement is the subscription described in promotional or sales materials on this website and/or in an email referencing this website, and said website and/or email and its contents are incorporated herein by reference and made a part hereof and constitute a complete description of the subscription that is the subject matter of this Agreement. This bundle of offerings, including additional items that may be promoted on the order page, shall, together, be termed ‘product’ throughout this agreement but the word ‘product’ shall mean all elements offered in the sale, whether digital, dimensional, or other license or right, and include all sales or promotional materials.

Credit Reporting:

Your Account with Include My Rent Will Be Assigned to report Within Approximately Sixty (60) Days From The Date That Your Account Is Approved And A Verification of Rental Paymnets has been achieved. Purchase Of Products Is Made If The Account Is Active At That Time. While Payments Are Due On Your Account During This First Sixty (60) Days, Your Account May Not Be Reported. Credit Reporting During The Term Of This Agreement Is Not Guaranteed.

Refund Policy

Include My Rent Support: Please call Customer Support at 860-800-9901. You may also mail requests to

Include My Rent 851 East I-65 Service Road S 10th Floor Suite 1070 Mobile, AL 36606 ATTN: Customer Service Department. No refunds requests will be honored through email communications.

You may cancel under this agreement if it has been signed by a party thereto at a place other than the address of the seller which may be his main office or branch thereof; provided you notify the seller in writing at his main office or branch, by ordinary mail posted, by telegram sent or by delivery, not later than midnight of the third business day following the execution of this agreement. Refunds will be made in the original form of payment.

RIGHTS AND OBLIGATIONS OF THE SUBSCRIBER: The SUBSCRIBER must pay the full

consideration for this subscription that IMR requires as the total price of the product. This consideration includes not only the subscription price, but other obligations that the SUBSCRIBER accepts as well as potential rights the SUBSCRIBER agrees to forego. By accepting this Agreement, the SUBSCRIBER agrees to receive continuing follow-up contact from IMR including email, mail, newsletters, product updates, product improvements, telephone calls (including via auto dialer and prerecorded message) from IMR and/or telemarketing organizations and/or pollsters for the purpose of solicitation related to the instant product or any other product or service. Your agreement to such contact is not required for future purchases and standard message/data rates apply. SUBSCRIBER agrees to post-sale contact from joint venture partners of IMR or from others who have a commercial relationship with IMR. SUBSCRIBER agrees that all personal information about the SUBSCRIBER or his or her buying habits and preferences, including address and phone number, may be placed in a general database and agrees that this information may be shared, rented or sold to third parties. However, SUBSCRIBER shall at all times be fully empowered to sever contact with IMR by notification using the ‘unsubscribe’ link in solicitations. Moreover, the SUBSCRIBER retains the right to

refuse specific contact with some third party solicitors and maintain it with others. The SUBSCRIBER

retains the right to have his or her name removed from a general solicitation database. The SUBSCRIBER’s agreement to accept solicitation and contact may be reduced, enhanced, limited or terminated by notification to anyone contacting the SUBSCRIBER. SUBSCRIBER agrees that IMR is not liable for communications made to the SUBSCRIBER by parties unrelated to this agreement even though referred by IMR. SUBSCRIBER accepts full responsibility for limiting unsolicited contact and SUBSCRIBER understands that he retains all rights to directly restrict communication or solicitation from any party, including IMR.

The SUBSCRIBER agrees to allow IMR to collect, store, and use for marketing purposes all information collected from, provided by or otherwise ascertained by electronic means from the SUBSCRIBER. The SUBSCRIBER, specifically, and as part of the consideration paid for this product, waives all right to access, retrieve, or control such information except that the SUBSCRIBER retains the right to restrict contact as described previously.

The SUBSCRIBER understands that cookies may be placed on his or her hard drive that will provide information to IMR and which are necessary for delivering an e-product and which will be able to determine if you retain the right to access the product. SUBSCRIBER understands that these cookies or other computer codes will reside on the hard drive and will communicate at times with IMR’s computer and thereby transmit and receive information.

CREDIT CARD CHARGES AND CREDIT CARD FRAUD

SUBSCRIBER warrants that he or she is over 18 years of age, not subject to the Child Online Privacy Act, of legal age to enter into contractual agreements in the state in which he is present when he enters this agreement, and is the true and authorized owner of the debit or credit card used to make this purchase. Any SUBSCRIBER who violates any of these requirements may be liable for civil or criminal prosecution, plus actual damages, and agrees that all information collected by this website may be used for prosecution and may be turned over

to law enforcement agencies or to credit card companies and merchant service providers.

If the true and/or authorized owner of the debit or credit card attempts to commit fraud upon IMR, he authorizes each and every credit card company or merchant service provider to disclose to IMR all information that could be construed as proof of credit card fraud.

Any SUBSCRIBER who attempts to perpetrate a fraud upon IMR involving the use of a debit or credit card herewith gives authorization for IMR to access all credit information about the SUBSCRIBER from credit reporting agencies and also authorizes IMR to discover all relevant information from any source about the fraudulent practices of the SUBSCRIBER and to reveal such information to credit reporting agencies, credit card companies, merchant service providers, and law enforcement agencies.

ASSUMPTION OF RISK

SUBSCRIBER agrees to accept all risk associated with the use of this product.

LIMITATION OF LIABILITY AND DISCLAIMER

SUBSCRIBER expressly waives any and all claims for consequential, speculative, and unforeseeable damages resulting from the purchase or use of this product or from subsequent contact with IMR or Third Parties.

SUBSCRIBER agrees and understands that IMR, specifically but not exclusively, disclaims liability for all damage to SUBSCRIBER’s person or business by using any product, including harm to SUBSCRIBER’s computer hardware or software from worms, viruses, or other defects in the product or computer codes that cause harm. IMR disclaims liability for SUBSCRIBER’s interaction with Third Party soliciting agents who

were provided ‘leads’ by IMR. IMR disclaims liability for SUBSCRIBER’s interactions with advertisers on

the site. IMR disclaims liability for SUBSCRIBER’s interaction with other visitors or members of the website.

LIMITATION OF LIABILITY FROM HARM CAUSED BY THE PRODUCT

SUBSCRIBER agrees that IMR’s total liability, even from harm caused to the SUBSCRIBER or to others from use of the product, shall be limited to the purchase price paid for the product.

LIMITATION OF LIABILITY FROM ALL OTHER INJURIES OF ANY KIND

SUBSCRIBER agrees that IMR’s total liability, for any other injury, harm, or tort of any kind, whether foreseeable or unforeseeable, shall be limited to the purchase price paid for the product.

LIMITATION ON THE LIABILITY LIMITATION

SUBSCRIBER understands that some states do not allow limitation of liability.

SPECIFIC DISCLAIMERS AS TO ‘RESULTS CLAIMS’, ‘INCOME CLAIMS’, OR ‘EARNINGS CLAIMS’ IN SALES AND PROMOTIONAL MATERIALS OR PRODUCT

If claims about results from using a product or if claims about income or earnings resulting from the use of a product are made, such claims are true for the persons who made the claims, including claims made by IMR about its own experience with the product.

Where this disclaimer and claims made in sales and promotional materials or the product are in conflict, this

Loan Agreement shall be controlling except, and unless, IMR deliberately misled the SUBSCRIBER or if such construction would cause material inequity. The sole burden is on the SUBSCRIBER to substantiate any deliberate deception. SUBSCRIBER accepts the obligation to reimburse IMR for all court costs, investigation costs, attorney fees, and all litigation-related costs in the event SUBSCRIBER brings suit against IMR and does not prevail in court or at arbitration.

No warranties are made whatsoever about the amount of money, if any, that SUBSCRIBER will earn from any material or product or service and SUBSCRIBER warrants an understanding that SUBSCRIBER’s only course

of action is to test this product and material for the extent of the refund period and request a refund if

SUBSCRIBER is not satisfied prior to its expiration.

SUBSCRIBER, again, warrants an understanding that in any event, for any reason, no matter the amount of damages claimed, as a material part of the consideration for purchase of this product, the maximum amount of liability shall be the purchase price of the product.

SUBSCRIBER expressly accepts the terms of the Privacy Policy of IMR’s website. RIGHT TO PUBLISH SUBMISSIONS

SUBSCRIBER agrees that IMR may publish for commercial purposes the full or partial content of any and all

communication with SUBSCRIBER at IMR’s sole discretion.

INDEMNIFICATION

SUBSCRIBER agrees to indemnify IMR for any and all damage that SUBSCRIBER causes by using the product or information contained on this website that results in a damage award against IMR.

RIGHT TO STOP SELLING OR SERVICING SUBSCRIPTION

SUBSCRIBER agrees that IMR has the right to discontinue the subscription or the service at any time without notice.

CALIFORNIA RESIDENTS NOTE

With certain exceptions, residents of the State of California may request (a) disclosure of personal information collected, (b) disclosure of personal information sold or disclosed for a business purpose, (c) deletion of personal information, (d) to opt out of the sale of personal information, and (e) access and data portability. Moreover, Include My Rent will not discriminate based on your exercise of such rights. If you are a California resident and want to make any such requests, please contact us through our website (www.includemyrent.com) or at Include My Rent, Privacy Policy, 851 East I-65 Service Road 10th floor Suite 1080 Mobile, AL 36606, or call860-800-5811. For all mailed requests, you must put the statement "California Privacy Request" in the body of your request, as well as your name, street address, city, state, and zip code. Please note that we are not responsible for requests that are not labeled or sent properly, or that do not have complete information.

DISPUTE RESOLUTION

As part of the consideration that IMR requires, SUBSCRIBER agrees to use binding arbitration for any claim, dispute, or controversy ("CLAIM") of any kind (whether in contract, tort or otherwise) arising out of or relating to this purchase of this product, including solicitation issues, privacy issues, and terms of use issues.

Arbitration shall be conducted pursuant to the rules of the American Arbitration Association which are in effect on the date a dispute is submitted to the American Arbitration Association. Information about the American Arbitration Association, its rules, and its forms are available from the American Arbitration Association, 335 Madison Avenue, Floor 10, New York, New York, 10017-4605.

In no case shall the SUBSCRIBER have the right to go to court or have a jury trial. SUBSCRIBER will not

have the right to engage in pre-trial discovery except as provided in the rules; SUBSCRIBER will not have the right to participate as a representative or member of any class of claimants pertaining to any claim subject to arbitration; the arbitrator’s decision will be final and binding with limited rights of appeal or vacate as set forth in the applicable rules and regulations governing arbitrations.

The prevailing party shall be reimbursed by the other party for any and all costs associated with the dispute arbitration, including attorney fees, collection fees, investigation fees, travel expenses.

JURISDICTION AND VENUE

If any matter concerning this purchase shall be brought before a court of law, pre- or post-arbitration, SUBSCRIBER agrees to that the sole and proper jurisdiction to be the state of Alabama. In the event that

litigation is in a federal court, the proper court shall be in the state of Nevada.

APPLICABLE LAW

SUBSCRIBER agrees that the applicable law to be applied shall, in all cases, be that of the state of Alabama.

NOTICE

SUBSCRIBER herewith agrees to receive Notice of Changes, Litigation, Service of Process, Cancellation, Termination, and Modification of service or product at the email address provided to IMR on the ordering page. Further, SUBSCRIBER agrees that the right to contact SUBSCRIBER concerning legal notice shall not be terminated by previously submitted ‘unsubscribed’ notices and specifically agrees that any notification to cease contact shall not be binding upon IMR in regards to Notice of Change, Litigation, Service of Process, Cancellation of Product or Service or Subscription, Termination of a program, product or website, or Modification of the terms of service or product. Additionally, the SUBSCRIBER grants IMR irrevocable right to contact him or her via mail or telephone concerning any of these issues irrespective of other rights the SUBSCRIBER has to sever contact with IMR.

FEES/COSTS TO PREVAILING PARTY

The prevailing party to any arbitration or litigation will be entitled to collect attorney fees and all other costs of the arbitration or litigation, including filing fees, investigation fees, collection fees, and travel expenses from the other party.

MODIFICATION

This Loan Agreement cannot be modified in any manner between IMR and this SUBSCRIBER unless modifications are made in writing, signed by both parties. However, IMR may modify this Loan Agreement at

any time for other SUBSCRIBERs without notice to the instant SUBSCRIBER.

ENFORCEABILITY OF PROVISIONS

In the event that some provisions, terms, conditions of the Agreement are held to be invalid or unenforceable, the remainder of the provisions that are enforceable shall control. Additionally, SUBSCRIBER and IMR agree that, if any provision is found to be invalid or unenforceable, the arbitrating panel will construe such provision to the maximum extent that it might be found to be valid or enforceable.

WAIVER OF BREACH

The IMR’s waiver (failure to enforce) any term of this agreement shall not be construed as a modification or an amendment to this agreement or constitute a waiver of other breaches.

IMR CONTACT INFORMATION

The IMR of this product is: Include My Rent DBA Dove Foundation, Inc. a Non-Profit Corporation, corporate address, 851 East I-65 Service Road S 10th Floor Suite 1070 Mobile, AL 36606. All disputes should be mailed to Include My Rent 851 East I-65 Service Road 10th Floor Suite 1070 Mobile, AL 36606 Attention: Dispute Department.

FINAL ACCEPTANCE

By taking the affirmative step of purchasing of a product or service you, the SUBSCRIBER, attest that you have fully read, understand, and accept the terms of this Agreement contract, and warrant to IMR that said affirmative digital acceptance shall be deemed to be the same as if you had affixed your signature to this Agreement contract.

Notice of SUBSCRIBER
(1) Do not sign this agreement if any of the spaces intended for the agreed terms are left blank. (2) You are entitled to a copy of this agreement at the time you sign it.
(3) You may at any time pay off the full unpaid balance under this agreement.

(4) You may cancel a purchase under this agreement if it has been signed by a party thereto at a place other than the address of IMR which may be his main office or branch thereof; provided you notify IMR in writing at his main office or branch, by ordinary mail posted, by telegram sent or by delivery, not later than midnight of the third business day following a purchase under this agreement.

CONSENT TO ELECTRONIC RECORDS

Please read this information carefully and retain a copy for future reference.

Introduction - To the extent permitted by law, Include My Rent will provide all disclosures and notices to you in electronic form including, but not limited to, any applicable credit-related disclosures required by the Truth

in Lending Act, and any notices (e.g., adverse action notice and privacy policy notice) required by the Fair

Credit Reporting Act, Equal Credit Opportunity Act, and Gramm-Leach-Bliley Act, and their implementing regulations. For purposes of this consent, these disclosures and notices are referred to as "Records." This Consent to Electronic Records informs you of your rights when Records will be provided to you
electronically. By consenting below, you acknowledge receipt of this Consent to Electronic Records and agree to the electronic delivery of the Records.

Hardware and Software Requirements - The Records will be provided to you either on the Include My Rent website, in an email message, or as an attachment to an email message sent to the email address you provide as part of your credit application. To access the Records, you will need a personal computer or other access

device which is capable of accessing the Internet with a web browser. To retain the Record, your access device

must have the ability to either download the Records to your computer’s hard drive or print the Records.

Right to Withdraw Consent and Procedures for Withdrawal - You may withdraw your consent to receive the Records electronically at any time, or update your contact information at any time by emailing contactus@includemyrent.com or writing to 851 East I-65 Service Road 10th Floor Suite 1080 Mobile,
AL 36606 and withdrawing your consent or providing your updated contact information.

Consent Applies to Credit Transaction - Your Consent to Electronic Records applies to the credit transaction you’ve requested and any other product or service you may request from Include My Rent that may give rise to the obligation to provide the Records.

Right to Paper Records and Copies of Records - You have the right to have the Records provided to you in paper form, rather than electronic form. If you wish to obtain the Records in paper form, contact Include My

Rent by email contactus@includemyrent.com, or write to Include My Rent 851 East I-65 Service Road

10th Floor Suite 1080 Mobile, AL 36606. A paper copy of the Record will be provided to you at no charge.

Include My Rent Agreement
Consumer Disclosures, & Privacy Policy

GENERAL TERMS AND CONDITIONS

In this Include My Rent Agreement; Consumer Disclosures; and Privacy Policy, the term "Include My Rent"

includes its successors and assignees. Throughout, the Include My Rent Agreement; Consumer Disclosures; and Privacy Policy, which include the terms and conditions governing Include My Rent Accounts, the "Billing Rights Notice," and the "Include My Rent Privacy Policy," collectively will be referred to as the "Agreement." As used in Parts I and II of the Agreement, the terms "I", "my", and "me" mean each person who has signed or otherwise submitted an application or other forms when opening or requesting a Loan Account, and each person who is liable to pay Include My Rent for amounts owed under the Loan Agreement. As used in Parts III and IV of the Agreement, the terms "you", and "your" mean each person who has signed or otherwise submitted an application or other forms when opening or requesting a Loan Account, as applicable, and each person who is liable to pay Include My Rent for amounts owed under the Loan Account and the terms "we", "our", and "us" mean Include My Rent.

Part I of this Agreement sets forth the general terms and conditions applicable to all Include My
Rent Accounts. Part II of this Agreement sets forth the specific terms and conditions applicable to Include My Rent Accounts. Part III of this Agreement provides consumer disclosure statements addressing the Include My Rent Accounts Billing Rights Summary. The Include My Rent Privacy Policy is disclosed under Part IV.

Include My Rent. I have read and kept this Agreement for my records. The application I signed or otherwise submitted

(including any accompanying federal and state notices) is part of and is incorporated into this Agreement. My electronic signature on the application I submitted to Include My Rent requesting a Loan Account represents my signature on this Agreement and each use of the Account confirms my agreement to the terms and conditions stated in this Agreement, as they may be amended from time to time. This Agreement begins on the earlier of the date that Include My Rent approves my application, or the date that Include My Rent allows me to use my Account. If Include My Rent approves my

ACCEPTANCE OF AGREEMENT. This Agreement governs the use of my

application and issues an Account to me, I agree to pay

Include My Rent

Agreement.

CHANGE IN TERMS. Include My Rent has the right to change any term of this Agreement at any

time, including without limitation any Annual Percentage Rate, any other rates and fees, and may add or delete fees and other provisions relating to my Loan Account, and to the nature, extent and enforcement of the rights and obligations I may have under this Agreement. If permitted by applicable law, the change may be applied to any amount I owe Include My Rent in connection with my Loan Account at the time of the change. Include My Rent will give me written notice before the effective date of any such change, if required by applicable law.
PROMISE TO PAY. I agree to pay in US dollars for all purchases, or fees incurred by Loan Account, even if I do not notify Include My Rent. All checks must be drawn on funds on deposit in the United States. Include My Rent can accept checks and money orders marked "payment in full" without losing its right to receive the full amount owing on my Loan Account or any of its other rights under this Agreement. I agree to address all communications concerning disputed debts, including

all amounts owed under this

instruments tendered as full satisfaction of debt, to the following address:

Include My Rent

851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL 36606

Attention: Accounting Department

MISREPRESENTATION. In the event that any information given to Include My Rent in connection with my application or any future transaction involving my Loan Application is false or misleading, Include My Rent reserves the right to terminate this Agreement and take any and all legal action available under applicable law.
CANCELLATION. Include My Rent has the right at any time to terminate my Loan Account and this Agreement as each relates to future purchases or to limit or cancel my Loan Account privileges, for any reason not prohibited by applicable law and with only such notice as is required by applicable law. I may terminate this Agreement, by notifying Include My Rent in writing. Termination of this Agreement, or any limitation or cancellation of my Loan Account, will not affect my liability with respect to previous balances, and I will still be responsible for paying any outstanding balance or other amounts I owe Include My

Rent according to the terms of this Agreement. Include My Rent specifically reserves the right to close my current Include My Rent Account based on the delinquency of any of my previous Include My Rent Accounts. Only one Include My Rent account will be granted per consumer with no authorized users.

GOVERNING LAW, ENFORCEABILITY. I understand that this Agreement is governed by and construed in accordance with the laws of the United States. To the extent state law applies to this Agreement, this Agreement will be governed by the laws of the state of Alabama. Any credit extended to me by Include My Rent is extended in and from Alabama, regardless of where I reside or use my account. I agree that if a dispute arises and I file suit against Include My Rent, service of process on Include My Rent may be made only at Include My Rent’s Registered Agent in Alabama. If any part of this Agreement becomes

unenforceable, it will not make any other part of this Agreement unenforceable. RESERVATION OF RIGHTS. Include My Rent reserves the right not to assess part or all of any fee or other amounts, or not to exercise any other of its rights pursuant to this Agreement, and, by doing so, Include My Rent will not have waived its right to assess such fee or other amounts or exercise other rights pursuant to this Agreement in the future.
CREDIT REPORTING, INACCURATE INFORMATION. I hereby authorize Include My Rent at its discretion to furnish information concerning my Loan Account to consumer reporting agencies and others who may properly receive such information. I may provide written notification to Include My Rent, Include My Rent 851 East I-65 Service Road 10th

Floor Suite 1080 Mobile, AL 36606 Attention: Dispute Department if I believe Include My Rent has information about me that is inaccurate, or that Include My Rent has reported or may report to a consumer reporting agency information about me that is inaccurate. ASSIGNMENT. I may not sell, assign, or transfer my Loan Account. Include My Rent may assign my open Loan Account under this Agreement without prior notice to me.

USE OF ACCOUNT. I understand and agree that I may use my Loan Account only for personal, family and household purposes, and I may not use my Loan Account for any illegal purpose.
CHANGE OF RESIDENCE. If I move, I agree to promptly notify Include My Rent of my new address.
PRESERVATION OF CLAIMS AND DEFENSES. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE IMR OF GOODS OR

SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE SUBSCRIBER SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
TELEPHONE MONITORING AND RECORDING. Include My Rent treats all customer calls as confidential per Include My Rent’s Privacy Policy. I agree that my telephone conversations with representatives of Include My Rent may be monitored and/or recorded for quality assurance purposes, unless, at the commencement of each telephone conversation, I advise the Include My Rent representative that I do not wish the call to be monitored and/or recorded.

NEW JERSEY RESIDENTS: Because certain provisions of this Agreement are subject to applicable law, they may be void, unenforceable or inapplicable in some jurisdictions. None of these provisions are void, unenforceable or inapplicable within New Jersey. PART II-LOAN ACCOUNTS

1. MONTHLY PAYMENTS. Each month, I agree to pay at least the Minimum Due shown on my monthly billing statement no later than the payment Due Date shown on the monthly billing statement. The Minimum Due is the sum of (i) the Current Due, calculated as shown under Part II, paragraph 2 below ("MINIMUM MONTHLY PAYMENTS"), which includes any "Other Charges," and (ii) any Past Due amount. I may at any time pay more than the Minimum Due, or pay off my entire Loan Account balance in full without incurring any additional charge. All payments must be mailed or delivered to Include My Rent at the address shown on my monthly billing statement. No cash will be accepted. If any payment does not conform to these requirements, the payment may not be credited to my Loan Account for up to five (5) days, or may be rejected. Any payment received by Include My Rent after 5 PM CST on any business day will be credited to my Loan Account on the next business day.

2. MINIMUM MONTHLY PAYMENTS. The Current Due each month will be calculated

based on the purchases made prior to the end of each month with a minimum payment of $30.00 or balance of account if less.
3. SPECIAL PAYMENT OPTIONS. From time to time Include My Rent may permit me the flexibility to skip one or more payments or take advantage of other options Include My Rent may make available. Include My Rent will provide me details of these special programs at the time they are offered.
4. CREDIT LIMIT. I agree that Include My Rent will establish a Loan Line for this account and that this Loan Line will be the maximum amount upon which I may defer payment, subject to the Minimum Monthly Payment calculation described in Part II, paragraph 2 above ("MINIMUM MONTHLY PAYMENTS"). I agree that any purchases and Other Charges

which cause my Current Balance to exceed my Loan Line shall be due and payable by the payment Due Date specified on the billing statement identifying such charges and that Include My Rent shall include such amount in the Current Due and Minimum Due for that billing period as described in Part Il paragraph 2 above. I will be advised of my initial Loan Line at the time I open my Loan Account. I agree that Include My Rent has the right to suspend or cancel my Loan Account under the terms of this Agreement. Include My Rent will identify any subsequent changes to my Loan Line on my periodic billing statements.
5. DEFAULT. Include My Rent may, at its option, declare me to be in default if I fail to comply with any provision of this Agreement, including failing to make a required payment when due or exceeding my Loan Account credit limit, or if I file for bankruptcy or am otherwise insolvent, or if Include My Rent determines, in its sole discretion, that the prospect of payment on my Loan Account has become significantly impaired. If I am in default, (a) Include My Rent may require that I pay the entire balance on my account immediately, at

any time (subject to any restrictions under applicable law), even though Include My Rent did not require me to pay the entire balance on any previous occasion when I was in default, and (b) I will pay all collection costs, including reasonable attorneys’ fees and court costs, if Include My Rent refers my Loan Account for collection to an attorney other than a salaried employee of Include My Rent or the holder of the account, to the extent not prohibited by applicable law.

Part III-CONSUMER DISCLOSURE STATEMENTS
BILLING RIGHTS NOTICE - KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL. If you think a bill is wrong, or if you need more information about a transaction on your bill, write to us (on a separate sheet) at 851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL 36606. Attention Dispute Department. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
· Your name and Account number.
· The dollar amount of the suspected error.
· Describe the error and explain, if you can, why you believe there is an error.
· If you need more information describe the item you are not sure about.
If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR

WRITTEN NOTICE. We must acknowledge your letter within 30 days, unless the error has been corrected by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.

If we find that we made a mistake on your bill, you will not have to pay any penalties related to any questioned amount. If we did not make a mistake, you will have to make up any

missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is settled. Part IV- Include My Rent PRIVACY POLICY

Include My Rent understands that your trust in us is our most important asset. In order to preserve that trust, we want you to understand our information practices and your rights to ask us not to share certain information about you. This policy applies with respect to all financial products and services we offer for consumer purposes.

Type of Information We Collect and Disclose

We collect information about people as described below. Some of this is called "Nonpublic Personal Information," which generally means information that is provided by you, obtained by us, or that results from your transactions with us. It does not include information available to the general public. We collect this information from the following sources (examples under each source are not necessarily a complete list):

Application Information: This is information we receive from you on applications and/or other forms, by phone, and online. It includes your name, address, telephone number, social security number, date of birth, and banking information. Application Information may be disclosed as described below.

Transaction Information: This is information about your transactions with us, our affiliates, or others. It includes your payment history, information necessary for billing and payment, and purchase information. Transaction Information may be disclosed as described below. Web Site Information: This is information we receive from your computer when you visit our Website; including the Web site you visited before ours, your Internet e-mail address and operating system, and statistical information on Web traffic and usage patterns. We also store "cookies" on your computer to save information entered during your prior visits to our Website. We collect technical data, such as your Internet protocol (IP) address, operating system, and session ID. Web Site Information may be disclosed as described below.

Parthom We Disclose Information
Nonpublic Personal Indemnifies to Information about you and our former customers may be disclosed to others as permitted by law. Generally, this includes disclosures to third parties that are necessary to effect, administer or enforce your transaction with us, or in connection with servicing our ongoing customer relations. These parties may include our group of affiliated companies, or their employees, agents or representatives, courts and governmental agencies, outside lending or financial institutions, billing service providers, mail and telephone service companies, attorneys or other professionals, and third parties. Include My

Rent reserves the right to disclose or sell your personal information about you to the following types of nonaffiliated third parties:
Nonaffiliated financial service providers, such as banks, financing companies, and credit card companies

Non-financial companies such as third party and unrelated marketing companies, and other companies seeking to independently market their products and services which may have an interest in your Nonpublic Personal Information.
We may also disclose Application Information, Transaction Information, and Web Site information about you and our former customers to companies that perform marketing services on our behalf or to financial institutions with whom we have joint marketing

agreements. We are required to, or we may, provide information about you to third parties without your consent, as permitted by law. For example:
To respond to a subpoena or court order, judicial process or regulatory authorities;
To consumer reporting agencies;

In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or operating unit;
To protect against fraud, and insure confidentiality and security;
To assist or be part of a proposed or actual securitization, secondary marketing sale, or similar transaction related to a transaction of the consumer; or

To collection agencies, attorneys, and other entities that assist us in enforcing and collecting the debt.
Confidentiality & Security
We restrict access to Nonpublic Personal Information about you to those employees and

other parties who must use that information to provide products or services to you. Their right to further disclose and use the information is limited by applicable law, and nondisclosure agreements, where appropriate. We also maintain physical, electronic, and procedural safeguards in compliance with applicable laws and regulations to guard your Nonpublic Personal Information.

Opt Out Rights (to limit our sharing)
If you do not want your Nonpublic Personal Information disclosed to affiliated or nonaffiliated third parties, you may "opt out" of those disclosures, meaning that you may tell us not to make those disclosures (other than disclosures that are permitted by law even if you opt out). If you opt out, we will not disclose this information to such third parties to independently market products or services to you, but we may include their offers in billing statements and other routine communications that we send to you in connection with servicing your business relationship with us.
Please note: If you are a new customer, we can begin sharing your information 30 days from the date that we send this notice. When you are no longer a customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
To opt out, simply fill out, detach and mail the form at the bottom of this page to the address listed. An opt out election by you or others who maintain a relationship with our Company will be effective for all persons that your relationship relates to. Once you opt out, there is no need to do so again for the same business relationship. Questions? You may also want to visit our website at www@includemyrent.com or give us a call at 860-800-5811 if you need additional information.
Information for Vermont, California and Nevada Customers: In response to a Vermont regulation, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties. And if we

disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you. In response to a California law, with certain exceptions, residents of the State of California may request (a) disclosure of personal information collected, (b) disclosure of personal information sold or disclosed for a business purpose, (c) deletion of personal information, (d) to opt out of the sale of personal information, and (e) access and data portability. Moreover, Include My Rent will not discriminate based on your exercise of such rights. If you want to make any such requests, please contact us through our website (www.includemyrent.com) or at Include My Rent, Privacy Policy, 851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL 36606, or call

860-800-5811 For all mailed requests, you must put the statement "California Privacy Request" in the body of your request, as well as your name, street address, city, state, and zip code. In response to Alabama law, we are providing you this notice. You may be placed on our internal Do Not Call List by following the directions set forth above. Alabama law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Alabama Attorney General, 501 Washington Ave., Montgomery, AL 36104; Phone number: 1-800-392-5658 or 334-242-7335. To further restrict sharing with affiliates as described in this notice, you can fill in and return the form here.