> DRAFT TEMPLATE - not reviewed by an attorney. Replace this text with counsel-approved wording before launch.

Fees and the Credit Review Waiver program

Fees and the Credit Review Waiver program are turned off by default and are only available if Kreditex has enabled them after legal review.

• A fee is never requested before you have submitted your application.
• Paying a fee never guarantees approval of your application.
• The Credit Review Waiver is a separate, optional program. Legal checks (identity verification, sanctions and anti-money-laundering screening, and any credit evaluation required by law) are never waived.
• The decision on your application is made independently of any payment.

[Counsel: confirm that any advance or upfront fee complies with the FTC Telemarketing Sales Rule, state advance-fee and credit services organization laws, and UDAAP principles before enabling.]