INTRODUCTION

Please carefully review the following Terms and Conditions governing the use of this website (www.skoposfinancial.com) and the online services offered by Skopos Financial, LLC (“Services”). Use of our Services is expressly conditioned on your acceptance of this Agreement. By using the Services, you acknowledge that you have read and agree to abide by the terms and conditions of this Agreement. If you decide not to agree to the terms and conditions discussed herein, you may not use the Services.

This Agreement is hereby made a part of the Terms and Conditions for www.skoposfinancial.com, and all such Terms and Conditions apply to your use of the Services on this website (the “Online Servicing Site”). In addition to this document, in connection with your use of the Services, you may be subject to, and/or required to agree to, various guidelines, rules, schedules, disclosures, disclaimers and other terms that we may post on the Online Servicing Site (as defined below) or otherwise provide or make available to you from time to time. Furthermore, if you use certain features, products or services available on or through the Services, you will be subject to, and/or required to agree to, separate user agreements, customer agreements or similar agreements governing or relating to such features, products or services. All such guidelines, rules, disclosures, disclaimers, user agreements or similar agreements, and other terms and conditions (collectively, “Additional Agreements”) are hereby incorporated by reference into this Agreement. Additional Agreements shall include, without limitation, agreements, rules or other terms governing any checking, savings or other deposit accounts, auto account, loan, line of credit and credit card accounts, investment accounts and any other accounts that you may view, modify or otherwise access while using the Services; fee schedules; our electronic funds transfer agreement and disclosures; our Online Bill Payment Authorization and Agreement; and your signature card.

If the terms and conditions of this Agreement conflict with the terms and conditions contained in any Additional Agreement solely as they apply to online banking and online bill payment services, this Agreement controls; provided, that the terms and conditions of this Agreement are not intended to modify any disclosures or other terms that are required by law and that are provided by Skopos Financial, LLC in an Additional Agreement.

This Agreement shall apply regardless of the means by which the Services are accessed, including, but not limited to, through the URL address www.skoposfinancial.com, electronic mail, or links from another website via a computer, mobile device, or any other means of access.

DESCRIPTION OF SERVICES

The “Services” shall mean all information, materials, content, communications, features, products, services, methods of conducting transactions and transactions available, offered, made, obtained or otherwise provided or used (as applicable) on or through the Online Banking Site, including, but not limited to, the ability to: (a) make auto loan payments (b) obtain account balance and certain other account information for various Skopos Financial, LLC loan accounts that you may have; (c) obtain transaction information on your accounts; (d) download certain account transactions to your computer; (e) update your address; (f) view online statements. These features are limited to the extent, and subject to the terms, noted herein and in any Additional Agreements that apply to you. The Services shall also be deemed to include any portion of the Online Servicing Site and any software used to operate the Services. Subject to all terms hereof, you may use the Services seven days a week, twenty-four hours a day, except for any scheduled or unscheduled interruptions in the Services for maintenance, security or any other reasons, as further described below.

Certain features, information, types of transactions or other services available while using the Services are only available for certain Skopos Financial accounts and may not be available when accessing the Services via a mobile device.

SECURITY; CONFIDENTIALITY OF ACCESS INFORMATION

Use of the Services requires a computer or approved mobile device and Internet access connected through an Internet or mobile service provider and with a web browser (for example, Firefox or Microsoft Internet Explorer).

You agree to keep your Username (Saver ID)/Customer Number, user ID, Password/PIN, password, password reminder question and answer and any other security or access information (collectively, “Access Information”) confidential to prevent unauthorized access to your account(s) and to prevent unauthorized use of the Services. We recommend that you memorize your Access Information and do not write it down. You agree not to give or make available your Access Information to any unauthorized individual.

If you believe the security of your password or any other Access Information has been compromised in any way (for example, your password has been lost or stolen, someone has attempted to use the Services under your Username (Saver ID)/Customer Number without your consent, your accounts have been accessed, or someone has transferred money from your account(s) without your permission), you must notify us immediately. (See YOUR RESPONSIBILITIES AND LIABILITIES below.)

We reserve the right, under certain circumstances, to deny your access to any one or more account(s) or to the Services or any part thereof, or to deny the processing of transactions, in order to maintain or restore security or performance to the Online Servicing Site. We may do so if we reasonably believe your Access Information has been or may be obtained or is being used or may be used by an unauthorized person(s).

COMMUNICATIONS

You hereby consent to and agree to receive from Skopos Financial, LLC or any of our authorized agents, all telephone calls and text messages at any mobile (cell) or landline telephone number you provide to Skopos Financial, LLC, including any new or additional telephone numbers for any mobile (cell) or landline telephone number that you provide at any time in the future. This consent to receive telephone calls and text messages to you at your mobile (cell) or landline telephone number includes any and all telephone calls and text messages made by Skopos Financial, LLC using an automated telephone dialing system or prerecorded message.

You agree that all electronic communications that we receive on the Online Servicing Site or otherwise in connection with the Services, such as those directing us to take an action with respect to your account, that match Access Information or other identity information you have provided when enrolling in or using the Services will be deemed valid, authentic and binding obligations. Pursuant to law and regulations, these electronic communications therefore will be given the same legal effect as your written and signed paper communications, shall be considered a “writing” or “in writing” and shall be deemed for all purposes (i) to have been “signed” and (ii) to constitute an “original” when printed from electronic files or records established and maintained in the normal course of business. You agree that electronic copies of communications are valid and you will not contest the validity or enforceability of such communications or any related transactions, absent proof of altered data or tampering, under the provisions of any applicable law relating to whether certain agreements are to be in writing or signed by the party to be bound thereby, and such copies shall be admissible if introduced as evidence on paper in any judicial, arbitration, mediation, or administrative proceeding to the same extent and under the same conditions as other business records originated and maintained in documentary form.

You agree (to the maximum extent permitted by law) to hold harmless Skopos Financial, LLC and protect and indemnify Skopos Financial, LLC from and against any and all claims, losses, liability, damages and/or demands (including, without limitation, reasonable attorneys’ fees and court costs) of any kind, direct or indirect, arising out of or in any way connected with any Services rendered by Skopos Financial, LLC pursuant to or in accordance with any and all electronic communications for which we have attempted to verify your identity as set forth above.

EMAIL

By enrolling in Online Servicing you agree that, as a condition of using the Services, you consent to receiving all transactional email communications from Skopos Financial, LLC, which are directly related to your use of the Services or to your account and to any disclosures that may result from Skopos Financial, LLC sending account communications to you via the email address you provide. For more information about our privacy and information sharing practices, please visit our Privacy Policy.

BECAUSE EMAIL IS NOT A SECURE METHOD OF COMMUNICATION OVER THE INTERNET, WE RECOMMEND YOU DO NOT SEND CONFIDENTIAL INFORMATION BY EMAIL.

PAYMENTS

PAYMENT SCHEDULING

Skopos Financial, LLC Account Payments

The cut-off time for Incoming Payments to a Skopos Financial, LLC loan account scheduled through the Services but not scheduled through the Online Bill Pay service is 9:00 p.m. CST or CDT on Business Days. Incoming Payment requests initiated after the cut-off time will be processed the next Business Day.

If you set up a recurring payment for your Skopos Financial, LLC loan, you, an authorized signer on the account, authorize Skopos Financial, LLC, its successors and assigns, and the institution named, to initiate withdrawals from the designated checking, savings, debit, or credit accounts for funds payable to Skopos Financial, LLC. This authorization will remain in effect until you notify Skopos Financial, LLC to cancel it, in such time as to afford Skopos Financial, LLC a reasonable opportunity to act on it.

If funds are unavailable at the time we attempt to debit your checking, savings, debit or credit accounts or your direct payment is not received for any reason; you will be responsible for forwarding a payment to us. If your payment is not received by the due date, you will be assessed late fees in accordance with your contract.

If you pay with a direct draft that is dishonored or returned, Skopos Financial, LLC reserves the right to assess a “Returned Check Fee” in accordance with your contract. If a direct draft is returned, Skopos Financial, LLC reserves the right to terminate this authorization and your participation therein.

FEES AND CHARGES

Except as provided herein, we do not at this time charge any enrollment fees, recurring usage fees or any other fees for your use of the Services (including viewing your account information). However, we do charge fees in certain circumstances that may arise in connection with your use of the Services (including a Returned Check Fee). If you require additional details, call Skopos Financial, LLC Customer Service at 1-855-475-6767. In addition, you shall be subject to all fees, charges, penalties, balance requirements, and other restrictions explained in your account agreements or other Additional Agreements.

Notwithstanding the foregoing, fees are subject to change, and we may impose additional charges, penalties or fees in connection with your use of the Services at any time, subject to the terms hereof.

You agree to promptly pay all fees and charges for services provided through the Services, and you authorize us to automatically deduct all applicable charges and fees from your designated Skopos Financial, LLC Payment Account.

You agree to be responsible for any telephone charges and/or Internet service fees you incur in accessing your account(s) through the Services.

CHANGES IN SERVICES; INTERRUPTIONS IN SERVICE

We may, from time to time and at any time, revise, update, discontinue or otherwise modify, temporarily or permanently, the Services or any part thereof (including, without limitation, the Online Servicing Site, this Agreement, the scope of the Services, and any materials related to the Services), or your access thereto. We will attempt to provide prior notice of any such material changes (by posting a notice of such changes on the Online Servicing Site when you log in, and/or sending a notice to you at the address shown on our records, providing a link to the notice, sending you a secure message, or by any other method as permitted by law), but cannot guarantee that such notice will be provided. Use of the Services after notice has been provided to you constitutes acceptance of such changes.

Notwithstanding the foregoing, whenever reasonably practicable, we will attempt to post or send such notice at least thirty (30) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions; provided, that we cannot guarantee that we will provide such notice by such time; and provided further, that we reserve the right to make any such changes effective immediately if necessary to maintain the security of the system or to comply with any laws or regulations. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change.

Changes to the Services may render prior versions of the Services obsolete. Without limiting the foregoing, we reserve the right to terminate this Agreement as to all prior versions of the Services and/or related materials and limit access to our more recent versions and updates.

You may choose to accept or decline changes by closing, continuing or discontinuing use of the Services to which these changes relate. Your use of the Services after we make any changes will constitute your agreement to such changes. We also reserve the option, in our sole business judgment, to waive, reduce or reverse charges or fees in individual situations.

We may, from time to time, perform maintenance upon the Services or experience hardware, software or other problems related to the Services, resulting in interrupted service, delays or errors in the Services. We will attempt to provide prior notice of such interruptions, delays or errors but cannot guarantee that such notice will be provided.

STATEMENT OF RECORD

Any account information provided by the Services is not the statement of record. The periodic statement is the statement of record. If you have chosen to stop receiving paper statements, the periodic statement provided to you electronically will be the statement of record. In any case, you are responsible for reviewing any statement and other account communications sent to you. Any mailed statement and other account communications will continue to contain important information about your account, regardless of whether you access your account through the Services or whether you have chosen to receive your statement electronically.

YOUR RESPONSIBILITIES AND LIABILITIES

It is your sole responsibility to ensure that the contact information in your online servicing user profile is current and accurate and you hereby consent to any telephone calls made to the mobile (cell) and landline telephone numbers that you have provided, including any new or additional telephone numbers you may provide in the future and further consent to any and all telephone calls or text messages sent by Skopos Financial, LLC using an automated telephone dialing system or prerecorded message. This contact information includes, but is not limited to, name, address, phone numbers, email addresses, and account numbers. Changes can be made by calling Skopos Financial, LLC Customer Service at 1-855-475-6767 or via U.S. mail. We are not responsible for any payment processing errors or fees incurred by you if you do not provide accurate account or contact information.

UNAUTHORIZED TRANSACTIONS

You will be sent periodic statements for your account with the regularity provided for in your account agreement. Your role is extremely important in the prevention of any wrongful use of your account. You must carefully examine your statement upon receipt.

Tell us AT ONCE if you believe that an unauthorized transaction has been or may be conducted from your account; if you believe another person has improperly obtained your online password, Password/PIN or has transferred or may transfer money from your account without authorization; or you suspect fraudulent activity on your account.

Call Skopos Financial, LLC at 1-855-475-6767 any time, 24 hours a day, 7 days a week. A representative is available between the hours of 8 a.m. and 8 p.m. Central, Monday through Thursday; 8 a.m. to 7 p.m. Central, Friday; and 8 a.m. to 4 p.m., Saturday. Or write to Skopos Financial, LLC, Attn: Customer Advocacy Team, PO Box 143454, Irving, TX 75014.

INELIGIBLE ACCOUNTS

Ineligible accounts include:

• Account in active bankruptcy
• Account requiring special handling

TERMINATION

We reserve the right to terminate this Agreement and your access to the Services, in whole or in part, at any time and for any reason. If your auto account is closed for any reason, such account may no longer appear in your online banking profile.

If you wish to terminate your ability to use the Services, please call 1-855-475-6767. If you wish to reinstate your access to the Services following any such termination (although we reserve the right not to reinstate such Services as we determine in our sole discretion), please call toll-free 1-855-475-6767. Upon termination of the Services, we will endeavor to cancel any applicable account transactions you have previously authorized, provided that we make no guarantee that we will be able to do so. You will be solely responsible for any fees that apply to any such cancellation. Any payment(s) or other transactions that we are not able to cancel or that have already been processed before the requested termination date will be completed. Termination shall not affect your liability or obligations under this Agreement for any transactions initiated prior to termination.

ASSIGNMENT

You may not assign this Agreement or your rights to the Services to any other party. We may assign this Agreement to our parent corporation or to any now-existing or future direct or indirect subsidiary of our parent corporation, or to any existing or future direct or indirect subsidiary of Skopos Financial, LLC, or to any of our existent or future affiliates. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

DATA RECORDING

When you contact us, the communication or the information you provide may be recorded or otherwise retained by us or our service provider. You consent to such recording or other retention. Without limiting the foregoing, you agree that we may record the conversations our employees have with you or your agents. We do this from time to time to monitor the quality of service and accuracy of information our employees give you and to ensure that your instructions are followed.

NO WAIVER

We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any right or remedy shall operate as a waiver of that right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

LIABILITY FOR LOSS OR ERRONEOUS DATA

Without limiting any other provision hereof, you will bear the sole liability and risk of any error or loss of data, information, transactions or other losses that may be due to the failure of your computer or third-party communications providers on which you may rely. We shall have no liability to you for any damage or other loss, direct or consequential, which you may incur by reason of your use of your computer.

SHARING INFORMATION/PRIVACY

Please review our Privacy Policy for an explanation of how we may use, share and safeguard the information that we collect from you in connection with the Services, and your options regarding our use and sharing of such information.

LIMITATION OF LIABILITY; DISCLAIMERS

Except as otherwise expressly provided herein, your use of the Services is at your own risk. None of the entities comprising Skopos Financial, LLC, nor any of their respective officers, directors or employees, nor any other party involved in creating, producing, or delivering the Services is liable for any direct, incidental, consequential, indirect, punitive, or other damages of any kind arising out of your access to or use of the Services, or the inability to access or use the Services, whether caused by Skopos Financial, LLC or such other parties, online service providers, any agent or subcontractor of any of the foregoing or any other party.

WITHOUT LIMITING THE FOREGOING, EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, THE SERVICES ARE PROVIDED TO YOU “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WHILE SKOPOS FINANCIAL, LLC MAKES EVERY EFFORT TO PROVIDE ACCURATE INFORMATION IN CONNECTION WITH THE SERVICES, EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, SKOPOS FINANCIAL, LLC MAKES NO WARRANTY THAT (i) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, or (ii) ANY INFORMATION CONTAINED ON, RESULTS THAT MAY BE OBTAINED FROM THE USE OF, OR OTHER ASPECT OF THE SERVICES WILL BE ACCURATE, CURRENT, COMPLETE OR RELIABLE.

Nothing contained in the Services is intended to provide legal, accounting, tax or financial advice. You should consult your own professional advisor on such matters. Information about products and services which you do not already have with Skopos Financial, LLC is provided for informational purposes only and should not be considered as an offer to make those products and services available to you.

COPYRIGHT/TRADEMARKS

The copyrights, trademarks, logos and service marks (“Marks”) displayed on the site are the property of Skopos Financial, LLC. Users are prohibited from using any Marks for any purpose without the written permission of Skopos Financial, LLC or such third party that may own the Marks.

GOVERNING LAW

This Agreement is governed by and interpreted in accordance with all applicable federal laws and regulations and, as this Agreement applies to each individual account that you may access using the Services, by the state laws and regulations governing such account or the account agreement for such account.