NOTICE: PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

The PyroAI website includes various Web pages operated or maintained by PyroAI and its subsidiaries (collectively, the "PyroAI Websites").

All of the pages and screens on the PyroAI Websites are owned and controlled by PyroAI, except as otherwise expressly stated, and are protected by U.S. copyright laws. The PyroAI logo is a service mark of PyroAI. Helping You Achieve More is a registered service mark of PyroAI. Other featured words used on the PyroAI Websites to identify the source of goods and services are trademarks and service marks owned by PyroAI or owned by third parties. You may not use, copy, display, distribute, modify, or reproduce any of the trademarks or service marks found on the PyroAI Websites except as authorized in this paragraph or pursuant to a written license agreement.

The information maintained on the PyroAI Websites and Mobile Apps is to provide users with information about PyroAI's products and services and is directed at, and made available to, persons in the United States only. Through your use of the PyroAI Websites and Mobile Apps, you represent and warrant that you are not located in any European Union jurisdiction. You agree that we may take active steps to prohibit the access to PyroAI Websites and Mobile Apps by users located in the European Union. The information and material maintained on the PyroAI Websites and Mobile Apps is subject to change without notice. Not all of the products or services described on the PyroAI Websites and Mobile Apps are available in all geographic areas. Your eligibility for particular products or services is subject to final determination by and the approval of PyroAI. No solicitation is made by PyroAI to any person to use any information, materials, products or services in any jurisdiction where the provision of such information, materials, products and services is prohibited by law. These terms and conditions are intended to supplement the information contained in "Important Legal Notices"; however, in the event of contradiction or inconsistency, the provisions and/ or terms hereof shall supersede and govern.

Paperless is the convenient way to receive all your account related documents and messages. By registering for Paperless, you agree to receive account communications electronically by email. This includes, but is not limited to:

• Notifications that statements are ready to be viewed or downloaded by signing into your PyroAI online account
• Statement notifications include billing, escrow, year-end tax statements, etc.
• Modification-related documents
• Notices and letters regarding your account

There is no fee to enroll in Paperless. You may cancel at any time and go back to receiving communications via the U.S. Postal Service. To cancel, sign into your account online. Look for "Settings," click "Communication Settings," and select "Paperless" to change your preference. Or you may call Customer Service at 833-685-2565. It may take up to one billing cycle for changes to your Paperless preference to become effective.

In order to receive Paperless and access your documents electronically, you must have:

• A valid email address
• Adobe Acrobat Reader software 6.0 or higher
• One of the compatible operating systems below:

If accessing documents from a desktop computer:

• Microsoft Windows XP
• Microsoft Windows Vista
• Mac OS X

If accessing documents from a mobile device:

• iOS 6 or newer
• Android 2.0 or newer
• Blackberry OS 5.0 or newer

By providing us with a telephone number for a mobile device, including a number that you later convert to a mobile device number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number, about any product or services offered by PyroAI or its affiliates. This express consent applies to each such telephone number that you provide to us now or in the future. Calls and messages may incur access fees from your mobile services provider. You understand that you need not provide this consent as a condition of obtaining goods or services from PyroAI, and that you may decline to provide or revoke your consent at any time.

As a condition of your use of the PyroAI Websites, you warrant to PyroAI that you will not use the PyroAI Websites for any purpose that is unlawful or prohibited by the applicable terms, conditions, and notices. You may not use the PyroAI Websites in any manner that could damage, disable, overburden, or impair the PyroAI Websites or interfere with any other party's use and enjoyment of the PyroAI Websites.You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the PyroAI Websites.

PyroAI does not claim ownership of the materials you provide to PyroAI (including feedback and suggestions) or post, upload, input, or submit to any PyroAI Website or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing, or submitting your Submissions, you are granting PyroAI, its affiliated companies, and necessary sublicensees permission to use your Submissions in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submissions. Please note that specific terms and conditions provided on the web page describing a particular feature or offer, may supersede this provision. Any information and documents you submit in support of a PyroAI loan application will be available to view and potentially download or print by any co-borrowers listed on the application.

Links to websites other than PyroAI Websites are provided solely as pointers to information on topics that may be useful to users of the PyroAI Websites, and PyroAI has no control over the content on such websites. If you choose to link to a website not controlled by PyroAI, PyroAI makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does PyroAI warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. PyroAI does not guarantee the authenticity of documents on the Internet. Links to non-PyroAI websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

THE INFORMATION AND MATERIALS CONTAINED IN PyroAI WEBSITES, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS." PyroAI DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, FITNESS FOR ANY PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

IN NO EVENT WILL PyroAI BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) TO THE USER AND/OR ANY THIRD PARTY, ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF PyroAI, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. The user's access to and use of the PyroAI Websites, and the terms of this disclaimer are governed by all applicable Federal laws and the laws of the state of Texas; and the user agrees that venue shall be located in Dallas County, Texas.

If you have a question or comment about our accessibility practices under the Americans with Disabilities Act, contact one of our accessibility coordinators using the mail ID below.