Common use of Contacting us Clause in Contracts

Contacting us. Except as explicitly set forth in this Agreement, you can contact us with questions or other matters about your Account by: • Using Messages; • Calling us toll-free at 000-000-0000; or • Writing to us at Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112. If you attempt to contact us by other means, we may not receive your message and may not be able to respond in a timely manner, or at all. CHANGES TO THIS AGREEMENT Subject to applicable law, we may change any term of this Agreement, or add new provisions, at any time in our sole discretion. If we are required by law to provide you with notice of any changes to this Agreement, we may do so in accordance with the "Electronic Communications Agreement" we have already provided to you. Subject to applicable law, continued access to or use of your Account following such notice shall be deemed to be your acceptance of such modified version of this Agreement. If you do not agree to this Agreement or any revised version of this Agreement, we may require you to close your Account. When your Account is closed, (i) in cases where you have a right to reject a change pursuant to applicable law, we will not apply that change to your Account; and (ii) in all other cases, the revised version of this Agreement will apply while you repay your outstanding balance. THIS AGREEMENT REQUIRES CLAIMS TO BE ARBITRATED AND FORBIDS CLASS ACTIONS UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT OR (2) EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE ARBITRATION PROVISION, WHICH IS SET FORTH AT THE END OF THIS AGREEMENT. Important Definitions This section defines some important terms used in this Agreement.

Contacting us. Except as explicitly set forth in this Agreement, you can contact us with questions or other matters about your Account by: • Using Messages; • Calling us toll-free at 000-000-0000; or • Writing to us at Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112. If you attempt to contact us by other means, we may not receive your message and may not be able to respond in a timely manner, or at all. CHANGES TO THIS AGREEMENT Subject to applicable law, we may change any term of this Agreement, or add new provisions, at any time in our sole discretion. If we are required by law to provide you with notice of any changes to this Agreement, we may do so in accordance with the "Electronic Communications Agreement" we have already provided to you. Subject to applicable law, continued access to or use of your Account following such notice shall be deemed to be your acceptance of such modified version of this Agreement. If you do not agree to this Agreement or any revised version of this Agreement, we may require you to close your Account. When your Account is closed, (i) in cases where you have a right to reject a change pursuant to applicable law, we will not apply that change to your Account; and (ii) in all other cases, the revised version of this Agreement will apply while you repay your outstanding balance. THIS AGREEMENT REQUIRES CLAIMS TO BE ARBITRATED AND FORBIDS CLASS ACTIONS UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT OR (2) EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE ARBITRATION PROVISION, WHICH IS SET FORTH AT THE END OF THIS AGREEMENT. Important Definitions This section defines some important terms used in this Agreement.Definitions

Contacting us. Except as explicitly set forth in this Agreement, you can contact us with questions or other matters about your Account by: • Using Messages; • Calling us toll-free at 000-000-0000; or • Writing to us at Lockbox 6112, P.O. Box 7247Xxx 0000, PhiladelphiaXxxxxxxxxxxx, PA 19170XX 00000-61120000. If you attempt to contact us by other means, we may not receive your message and may not be able to respond in a timely manner, or at all. CHANGES TO THIS AGREEMENT Subject to applicable law, we may change any term of this Agreement, or add new provisions, at any time in our sole discretion. If we are required by law to provide you with notice of any changes to this Agreement, we may do so in accordance with the "Electronic Communications Agreement" we have already provided to you. Subject to applicable law, continued access to or use of your Account following such notice shall be deemed to be your acceptance of such modified version of this Agreement. If you do not agree to this Agreement or any revised version of this Agreement, we may require you to close your Account. When your Account is closed, (i) in cases where you have a right to reject a change pursuant to applicable law, we will not apply that change to your Account; and (ii) in all other cases, the revised version of this Agreement will apply while you repay your outstanding balance. THIS AGREEMENT REQUIRES CLAIMS TO BE ARBITRATED AND FORBIDS CLASS ACTIONS UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT OR (2) EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE ARBITRATION PROVISION, WHICH IS SET FORTH AT THE END OF THIS AGREEMENT. Important Definitions This section defines some important terms used in this Agreement.

Contacting us. Except as explicitly set forth in this Agreement, you can contact us with questions or other matters about your Account by: • Using Messages; • Calling us toll-free at 000-000-0000; or • Writing to us at Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112. If you attempt to contact us by other means, we may not receive your message and may not be able to respond in a timely manner, or at all. CHANGES TO THIS AGREEMENT Subject to applicable law, we may change any term of this Agreement, or add new provisions, at any time in our sole discretion. If we are required by law to provide you with notice of any changes to this Agreement, we may will do so in accordance with the "Electronic Communications Agreement" we have already provided to you. Subject to applicable law, your continued access to or use of your Account following such notice shall be deemed to be your acceptance of such modified version of this Agreement. If you do not agree to this Agreement or any revised version of this Agreement, we may require you to close your Account. When your Account is closed, (i) in cases where you have a right to reject a change pursuant to applicable law, we will not apply that change to your Account; and (ii) in all other cases, the revised version of this Agreement will apply while you repay your outstanding balance. THIS AGREEMENT REQUIRES CLAIMS TO BE ARBITRATED AND FORBIDS CLASS ACTIONS UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT OR (2) EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE ARBITRATION PROVISION, WHICH IS SET FORTH AT THE END OF THIS AGREEMENT. Important Definitions This section defines some important terms used in this Agreement.Definitions

Contacting us. Except as explicitly set forth in this Agreement, you can contact us with questions or other matters about your Account by: • Using Messages; • Calling us toll-free at 000-000-0000; or • Writing to us at Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112. If you attempt to contact us by other means, we may not receive your message and may not be able to respond in a timely manner, or at all. CHANGES TO THIS AGREEMENT Subject to applicable law, we may change any term of this Agreement, or add new provisions, at any time in our sole discretion. If we are required by law to provide you with notice of any changes to this Agreement, we may will do so in accordance with the "Electronic Communications Agreement" we have already provided to you. Subject to applicable law, your continued access to or use of your Account following such notice shall be deemed to be your acceptance of such modified version of this Agreement. If you do not agree to this Agreement or any revised version of this Agreement, we may require you to close your Account. When your Account is closed, (i) in cases where you have a right to reject a change pursuant to applicable law, we will not apply that change to your Account; and (ii) in all other cases, the revised version of this Agreement will apply while you repay your outstanding balance. THIS AGREEMENT REQUIRES CLAIMS TO BE ARBITRATED AND FORBIDS CLASS ACTIONS UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT OR (2) EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE ARBITRATION PROVISION, WHICH IS SET FORTH AT THE END OF THIS AGREEMENT. Important Definitions This section defines some important terms used in this Agreement.

Contacting us. Except as explicitly set forth in this Agreement, you can contact us with questions or other matters about your Account by: • Using Messages; • Calling us toll-free at 000-000-0000; or • Writing to us at Lockbox 61127022, P.O. Box 724771022, Philadelphia, PA 1917019176-61121022. If you attempt to contact us by other means, we may not receive your message and may not be able to respond in a timely manner, manner or at all. CHANGES TO THIS AGREEMENT Subject to applicable law, we may change any term of this Agreement, or add new provisions, at any time in our sole discretion. If we are required by law to provide you with notice of any changes to this Agreement, we may do so in accordance with the "Electronic Communications Agreement" Agreement we have already provided to you. Subject to applicable law, continued access to or use of your Account following such notice shall will be deemed to be your acceptance of such modified version of this Agreement. If you do not agree to this Agreement or any revised version of this Agreement, we may require you to close your Account. When your Account is closed, (i) in cases where you have a right to reject a change pursuant to applicable law, we will not apply that change to your Account; and (ii) in all other cases, the revised version of this Agreement will apply while you repay your outstanding balance. THIS AGREEMENT REQUIRES CLAIMS TO BE ARBITRATED AND FORBIDS CLASS ACTIONS ACTIONS, UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT OR (2) EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE ARBITRATION PROVISION, WHICH IS SET FORTH AT THE END OF UNDER THIS AGREEMENTAGREEMENT BY PHONE OR MAIL WITHIN 90 DAYS AFTER ACCOUNT OPENING. Important Definitions This section defines some important terms used in this Agreement.