Note: Client is responsible for making all payments before the above date.

As aconvenience to me,as Client, I authorize Biweekly Servicing Company and/or assigns (hereinafter BSCJto withdraw funds from my account provided for the purpose of paying toan payments to my lender. I authorize the institution(s) in which my account is maintained to accept debit and/or credit entries asinitiated by BSC and fullyprotect eachinstitution in honoring suchtransfers until anotice of cancellation is received. I give BSC permission to contact my tender if necessary to maintain this plan. I have reviewed and agreeto the Terms and Conditions. I willreceive a copyof this AGREEMENT bye-maitand I mayprint acopy formyrecords. I will receive a Welcome Letter by e-mail and a final copy by U.S. Mailupon enrollment.

As Client, I agree to have my Super Saver deferred fee of one-half of monthly payment funded from either myadditional Super Saver savingswhich wouldnot be available withOut this Super Saver savings planand/or extra payments to principal. Changes in my debit schedule, temporary stops, account balance refund requests or early cancellations do not void the Super Saver fee. Once theenrollment fee tspaid, all extra payment amountswillbe sent to mytender for the intent andpurpose of principal reduction.

Help note on choosing debit dates: As you can see we have Biweekly Schedule Ashown here for Friday debiting. You may prefer Monday debits, if you cannot get your paycheck to the bank on Friday.

If you are filling out the DocuSign form by yourself, you may leave the debit dates blank on the application (type a question mark in the field}and our Customer Care department will help you select them before uploading to the Payment Processor.

You will get a Welcome E-mail before your first debit (biweekly payment) so there will be no surprises. You will also receive a hard copy by US Mail.

Thank you for using the Borrowers' Advantage™- Mortgage, Auto Loan or Student Loan Supplement. We look forward with you to the day when your loan is paid in full.

1. The paniesIn thisAgreement are Blweeldy ServicingCompany and/or assigns and the Individual or Individuals as Cllent(s) listedon this BSPA Application. Client relationships are very Important to Biweekly ServicingCompany and/or assigns. Temporary stops, restarts and cancellations ere permissible with e minimum notice of 3 business days. THERE IS NO REASON FOR THE CLIENT TO REVOKE THE CHARGE AUTHORIZATION AND CALCEL THE DEBITS WITH CLEINT'S BANK SNF CLIENT AGREES NOT TO REVOKE THE CHARGE AUTHORIZATION.

2. The services provided by Biweekly Servicing Companyend/or assigns will consist of: (A.) Causing a charge to be created biweekly against the list deposit account by a member of an Automated Clearing House (ACH) wherein each such minimum charge will be equal to one-half of the Client's monthly Loan payment plus an electronic transaction fee. Charge (debit) could be greater than one-hall of the monthly loan payment If the Client has agreed to an additional principal reduction payment or monthly debiting. Additional principle reduction payments may be an accounts Charges (debits) missed for whatever reason will be debited on a date lelt up to the SOle dlScretion of Biweekly Servicing Company and/or assigns. unless Instructions in writing from Cllent(s) sayotheiwise. (B.) Making the specified monthly payment to Client's tender, subject to Biweekly Servicing Company and/or assigns having received good funds !or each payment from Client. PAYMENTS TO CLIENT'S LENDER ARE MADEONCEEACHMONTH by mail or electronic funds transfer. Clientsmayaccesstheir account Information byonllne website. (C.) In anycalendar monthIn Which threebiweeklydebits are taken lromtheClient's account, remlnlngan amount equal 10 the third such debit (less transaction fees, insufficient funds fees, other failed debit charges or contracted deferred Client Enrollment lees) to that Client's Lender. identified as a payment to reduce Loan principal. to be disbursed When funds can reasonably be assumed to have cleared to ensure proper credit to the principal.

3. The parties agree that the transfers by Biweekly Servicing Company and/or assigns on behalf of the Client listed in 2-A, 2-B, and 2-C will continue until the Client cancels this agreement by giving Biweekly Servicing Company and/or assigns 30 days written notice, or until Biweekly Servicing Company and/or assigns cancels this agreement as set forth in item 5 below, or until only one payment remains before the loan is paid in full. Client has the right to stop payment on any transfer by his/her bank or financial institution. However, any stop payment will result in termination of the Client's Biweekly Servicing Company and/or assigns account and may result in a NSF fee to Client. In the event Client revokes electronic debit authorization or a scheduled debit is dishonored for reasons of non-sufficient funds, Client agrees to remit to Biweekly Servicing Company and/or assigns within fifteen days of insufficient debit, good funds equal to any funds Biweekly Servicing Company and/or assigns has paid to Client's lender on Client's behalf which were not collectible from Client or as to which Client has revoked debit charge authorization and reasonable costs of Two Hundred Fifty Dollars to Biweekly Servicing Company and/or assigns shall incur. In the event legal action is required to enforce the provisions of the forgoing sentence, Client shall additionally be liable for Biweekly Servicing Company and/or assigns costs of collection, including attorney fees and court costs.

4. Transaction and NSF fees are subject to reasonable adjustment to reflect increases if experienced by Biweekly Servicing Company and/or assigns in its cost of ACH debiting, funds security insurance and similar expenses. The right to interest earned (if any) on Client funds while held by Biweekly Servicing Company and/or assigns is hereby assigned by Client to Biweekly Servicing Company and/or assigns in partial offset of the cost of administering the program. Biweekly Servicing Company and/or assigns has the right to change the ACH member institution which initiates the ACH transfer (see "2-A" above) or the bank in which Biweekly Servicing Company and/or assigns maintains the Client's funds at any time without notice to the Client.

5. Biweekly Servicing Company and/or assigns may terminate this agreement if: A. The charge against the listed account is dishonored by the receiving institution due to insufficient funds two times per six-month period. B. Client's bank account is closed or a stop payment order is issued against the charge. C. If payment to the Client's lender is returned to Biweekly Servicing Company and/or assigns for any reason, Biweekly Servicing Company and/or assigns may cancel the agreement and return payments (funds) to the Client. D. The assigned Service Bureau elects to terminate this agreement with Biweekly Servicing Company or if restrictions are placed upon Biweekly Servicing Company and/or assigns that they are not able to comply with.

6. When this agreement is terminated for any cause, Biweekly Servicing Company and/or assigns will remit to Client all funds then held for Client, less any accrued insufficient funds or other failed debit charges and uncollected transaction fees or applicable unpaid deferred enrollment fees. All refunds and closed accounts for any reason may be subject to a thirty-five dollar processing fee.

7. If a debit is returned by the receiving institution (client's bank) for any reason, the prevailing return processing fee will be assessed against the Client's account and the account may be re-debited without notice.

8. Client acknowledges and agrees that this agreement in no way alters or diminishes Client's obligation under Client's loan contract. Client agrees to indemnify and hold harmless Biweekly Servicing Company and/or assigns and its authorized dealer associates, representatives, independent consultants, service providers and the bank in which Biweekly Servicing Company and/or assigns keeps the Client's funds, from and against any claims, liabilities, costs, or penalties arising out of the Client's default under the loan, or under this agreement, or which results from any event or circumstance outside the reasonable control of Biweekly Servicing Company and/or assigns. In no event shall Biweekly Servicing Company and/or assigns be responsible for consequential, incidental, or third-party damages, even if Biweekly Servicing Company and/or assigns have been advised of the possibility of such damages occurring.