AutoSave Program Authorization

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Optional Authorization to Automatically Make Draws from ( AutoSave ) and to
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Automatically Make ACH Payments on ( AutoPay ) Your Line of Credit ( collectively
AutoSave Program Authorization ) ”
This Authorization Is Optional
You understand that you are not required to sign this AutoSave Program Authorization.
Whether or not you enroll in AutoSave, you may go to our website and arrange for Draws.
Whether or not you enroll in AutoPay, you may pay amounts due on your Credit Karma Credit
Builder Account by making individual, one-time payments transmitted to us by ACH or other
means acceptable to us. You also understand that when you enroll in AutoPay you are
authorizing us to take payments on your Credit Karma Credit Builder Account at a date prior
to the Payment Due Date and in an amount that may be smaller or larger than the Required
Payment.

Definitions
In this Authorization, the following words are defined as follows:
“AutoPay Date” means the date when we will take your ACH payment on your Credit Karma
Credit Builder Account. Your AutoPay Date will be the day after the date of each of your
’
Statements and prior to each Statement s Payment Due Date.
“AutoPay Payments” means automatic electronic fund transfers in the form of ACH debit
entries or other means acceptable to us from your Deposit Account to your Credit Karma
Credit Builder Account.
“AutoSave Draw” means automatic electronic fund transfers in the form of Draws from your
Credit Builder Account to your Credit Builder Locked Savings Account.
“Billing Cycle” means the period between Statements. Billing Cycles will be every two weeks,
twice a month, or monthly.
“Credit Builder Account” means your Credit Karma Credit Builder open-end line of credit
account originated by the Lender, identified in your line of credit agreement with the Lender,
and serviced by us for the Lender.
“Credit Builder Account Balance” means the amount outstanding on your Credit Karma
Credit Builder Account at any given time.
“Deposit Account” means your deposit account information (account number and routing
number) for your Credit Karma Money account that you provided to us when setting up
AutoPay or as subsequently updated by you to us.
“Draw” means an advance of funds from the Credit Karma Credit Builder Account into your
Locked Savings Account.
“Lender” means the financial institution or other entity that originated your Credit Karma
Credit Builder Account and any assignee that purchases and takes assignment of your Credit
Karma Credit Builder Account.
“Locked Savings Account” means the fully locked Credit Builder Savings Account that you
opened with Cross River Bank in connection with opening your Credit Karma Credit Builder
Account.
“Payment Due Date” means the date shown on your Statement on or before which you must
pay at least the Required Payment.

“Payment Method” means the bank account, debit card, or other payment method you
provided us.

“Required Payment” means the amount that the Lender determines each Billing Cycle, as
reflected in the Statement, that you must pay to the Lender on the Payment Due Date to
keep your Credit Karma Credit Builder Account current.
“Statement” means the periodic statement for your Credit Karma Credit Builder Account
issued at the end of each Billing Cycle that describes, among other things: your Required
Payment; your Payment Due Date; and any Draws, payments, and other transactions during
the Billing Cycle.
“Statement Balance” means the Balance at the end of your Billing Cycle.
“You” and “your” mean the person who signs this Authorization below.
“We,” “us,” and “our” mean Credit Karma Credit Builder, as servicer for the Lender, and any
payment processing agent for either.
Authorization
By signing below, you authorize us to initiate an AutoSave Draw in the amount agreed to by
you and us. AutoSave Draws will start on the last day of a Billing Cycle that is at least two
days after the date that you execute this AutoSave Program Authorization. AutoSave Draws
will continue on the last day of each Billing Cycle thereafter.
By signing below, you also authorize us to initiate AutoPay Payments on each AutoPay Date,
starting after the first AutoSave Draw made under this AutoSave Program Authorization and
continuing on each AutoPay Date thereafter. You authorize us to store your Payment Method
for future payment by you. You agree to keep any Payment Method you provide. You can
update or change any Payment Method you provide by logging into our website or by calling
us at 1-888-858-8248.
AutoPay Payments will be in an amount between $0.01 and $1,000 and equal to your Credit
Builder Account Balance when the AutoPay Payment is initiated. We may occasionally change
your AutoPay Date to better align with your payment cycle.
You understand that your enrollment in AutoPay will result in you paying amounts on your
Credit Builder Account before they are due. You have the right to make payments on your
Credit Builder Account at any time up to your Payment Due Date. If you do not want to make
payments on your Credit Builder Account before they are due, you can cancel this AutoSave
Program Authorization as detailed below.
You further understand that you must authorize both AutoSave and AutoPay for either of
them to go into effect.

If necessary, you also authorize us to initiate ACH transactions to correct any mistakes or
errors.

Weekends and Holidays

If the date of any AutoSave Draw or any AutoPay Date falls on a weekend or holiday, you
understand and agree that the AutoSave Draw or AutoPay Payment may be executed on the
next business day.
Cancellation
You can cancel this AutoSave Program Authorization at any time. Cancellation will stop both
AutoSave and AutoPay. You can cancel this AutoSave Program Authorization by logging into
our website or by calling us at 1-888-858-8248 at least one (1) day before a scheduled
AutoSave Draw or AutoPay Payment. AutoSave Draws or AutoPay Payments scheduled for
the same day that you contact us will not be stopped.

ff
If you do not cancel, this AutoSave Program Authorization will remain in e ect until we
terminate it or your Credit Builder Account is closed.

You may also notify the financial institution that holds your Deposit Account to stop AutoPay
Payments under this Authorization at least three (3) business days before a scheduled
payment date.

IF YOU CANCEL THIS AUTOSAVE PROGRAM AUTHORIZATION, YOU WILL STILL BE

RESPONSIBLE FOR MAKING ANY PAYMENTS THAT COME DUE UNDER YOUR CREDIT
BUILDER AGREEMENT.

Termination
We may terminate this AutoSave Program Authorization if your AutoPay Payment is rejected
by your bank or at any other time.

Deposit Account
You certify that you are an authorized signer on the Deposit Account. You will not dispute any
payment we initiate, provided the payment corresponds to the terms of this AutoSave
Program Authorization. You agree to notify us in writing of any changes in your Deposit
Account information at least three (3) business days prior to the next AutoPay Date.

Authorization Received
You acknowledge that you have received a completed copy of this AutoSave Program
Authorization for your records.
 Ana Acosta 05/04/2024

Ana Acosta Date

Version 01/09/2024