Payment Authorization

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AUTHORIZATION

You authorize Eos Loan (EOS Solar Inc d/b/a Eos Loan) and its payment processor (Stripe) to charge the payment method you select — a credit or debit card, or your bank account by ACH — for amounts you owe, including loan payments, fees, and other charges you authorize.

ONE-TIME AND RECURRING (AUTOPAY) PAYMENTS

You may authorize a one-time payment or recurring automatic payments (“autopay”). If you enroll in autopay, you authorize us and Stripe to charge your payment method on each scheduled due date in the amount then due. If the amount or date of a recurring payment will vary, we will notify you of the amount and date in advance as required by applicable law.

ACH TERMS

For bank (ACH) payments, you authorize Eos Loan and Stripe to initiate debit entries (and any necessary corrections or re-presentments for returned items) to your designated account in accordance with the NACHA Operating Rules. You represent that you are an authorized owner or signer of the account. This ACH authorization remains in effect until you cancel it as described below.

STORED PAYMENT METHODS AND ACCOUNT UPDATER

We and Stripe may store your payment method and update it through card-network account-updater services so your payments continue to process if your card number or expiration date changes.

HOW TO CANCEL OR REVOKE

You may cancel autopay or revoke this authorization at any time by contacting us at compliance@eosloan.com or 1-833-989-3737, or through your account, at least three (3) business days before the next scheduled payment so we have a reasonable opportunity to act on it. Cancelling autopay or revoking this authorization does not change your obligation to pay the amounts you owe.

RETURNED OR DECLINED PAYMENTS; ELECTRONIC RECORDS

If a payment is returned or declined, the returned-item and late-charge terms of your loan agreement apply. You acknowledge that this authorization is provided electronically under your Electronic Signatures, Communications and Records consent, and that you may request a paper copy.

HOW YOU ACCEPT

You accept this Payment Authorization electronically by checking the box in your Eos Loan application or account. Eos records your acceptance — including the date and time and the version you accepted — which, under the federal E-SIGN Act, serves as your signature and has the same legal effect as a handwritten one. You may request a paper copy.