This Automatic Recurring Payment Agreement (the “Agreement”) is a contract between you and the RubyPorch.com LLC (“RP”) to set up your automatic recurring payment. Please verify that all information provided is complete and accurate before signing your agreement. You mail the signed Agreement to the RP Accounting Department: __________________. Your request may take up to 72 hours or 3 business days to process. No other discounts are eligible or available when taking advantage of recurring payment plans. You will need to complete an Automatic Recurring Payment Agreement each year if you wish to continue to make payments as allowed by the program.

An automatic recurring payment will be made every 30 days after your initial payment. You will not receive any advance notice of this payment, but you will receive a post- payment confirmation email following all automatic recurring payments.

If your automatic recurring payment is declined or unable to be processed for any reason, you will be contacted by phone or email. We may in our sole discretion permanently restrict your ability to use a certain payment method if that payment method fails. In the event any payment is not made and you do not make the required payment by the end of your billing cycle, your service will be suspended or canceled.

If you would like to change your automatic recurring payment method including, for example, making a change from one credit card that was initially selected to another credit card, you must authorize the recurring payment with the new credit card by emailing the RP Accounting Department. Any changes are subject to approval by RP. If the change is approved, your previously-approved payment method will be terminated within 24 hours of approval.

By providing my credit (“Payment Method”), I AGREE that I have read and understand this Agreement. In addition, I authorize RP to charge the full amount required by my payment plan to the specified Payment Method; and I authorize the financial institution for the Payment Method specified above to charge my account and remit payment for my service to RP. This authority will remain in effect until I give notification, as required under this Agreement, to terminate this authorization; provided, however, that no termination of authorization will relieve me of any obligation to pay amounts due for purchases I have made. I represent and warrant that I have full authority to enter into this Agreement and make the representations herein. I will cooperate to execute any documents that may be reasonably required to effectuate the foregoing authorization.

I further represent and warrant that any purchases under this Agreement will be for business or commercial purposes, and will not be for personal, household or family purposes. I make this warranty to confirm that no disclosures under the Federal truth-in-lending law are required because the purchases at issue are not primarily for a personal, family or household purpose.

Your consent to the terms of this Agreement confirms the following: If your payment method is credit card:

• You authorize RubyPorch.com LLC (“Company”), to store the credit card identified with your purchase or payment information, as such credit card may be updated from time to time (the “Stored Credential”).
• You give permission to the Company to charge the Stored Credential for withdrawals made by Company.
• You understand the terms and conditions of your scheduled payment plan with Company and you authorize Company to make recurring charges to the Stored Credential for payment amounts you authorized or authorize from time-to-time and, if necessary, initiate adjustments for any transactions.
• Without limiting the generality of the foregoing, you authorize Company to charge the Stored Credential in the amount of your subscription plan, on a monthly basis. The current amount of your monthly billing, will be shown on your account statement.
• You understand the amounts charged to the Stored Credential may vary if changes occur to your policy premium. If your payment method is bank withdrawal:
• You authorize the Company to debit/credit funds from the bank account provided (the “Account”).
• You give permission to the Company to debit the Account for withdrawals made by Company.
• You understand the terms and conditions of your scheduled payment plan with Company and you authorize Company to make recurring withdrawals from the Account for payment amounts you authorized or authorize from time-to-time and, if necessary, initiate adjustments for any transactions.
• Without limiting the generality of the foregoing, you authorize Company to make withdrawals from the Account in the amount of your total monthly subscription fee, on a monthly basis.
• You understand declined payment may result in the cancellation of your policy. for any reason, this Agreement will be deemed not to have expired and to have remained in full force and effect as though you continuously had an account with Company.
• For the purposes of this Agreement, all amounts are in American dollars.
• Company may make changes to this Agreement by providing you with 30 days prior written notice.
• If you make changes to, or are asked to update, your payment method or information, you may be required to consent to a revised or updated Recurring Payment Agreement or similar agreement with Company at that time. In those circumstances the revised or updated Recurring Payment Agreement, or similar agreement, that you consent to will replace this Agreement.

• When the time is right, we may make a professional introduction between you and one of our partners, including our Real Estate Agent and Mortgage Lender partners. This introduction involves sharing the contact information of each party with the other. When you submit information to www.RubyPorch.com for a request, you authorize us to use and provide this information to make an introduction. By providing this information to us, you consent to being contacted by us and by our partners via phone, email, mail or other reasonable means.
• For us to help you, we need you to provide information that is accurate and complete, especially your contact information so that our Real Estate Agent and Mortgage Lender partners can contact you quickly and efficiently. We reserve the right to suspend or terminate access to anyone who supplies information that is inaccurate or misleading.
• You understand that while RubyPorch.com may refer real estate professionals, we do not perform mortgage origination services. Any mortgage origination or real estate brokerage activities are performed by Mortgage Loan Originators and Real Estate Agents that have been referred to you. We do not endorse, recommend or otherwise know the terms of any agreement between you and a mortgage or real estate professional.
• You understand that for our services we may receive payment (a referral fee) that may be a percentage of the commission received by the professionals involved in the real estate transaction. There is no charge to you. Any payment is due based on a separate agreement between us and the professional involved. Your use of our services constitutes your acknowledgment of, and agreement to, this compensation arrangement.
• Your participation in our service is voluntary and can be terminated by either of us for any reason at any time with written notice. However, any referrals made prior to such termination are still bound by the agreement that we may have with a Mortgage Lender and/or Real Estate Agent professional.
• You agree that we may modify the services provided or these terms of service at any time. We will notify you in advance of any significant changes of our services, and you agree that your continued use of our services after the notice period means that you accept the new terms and any subsequent services shall be governed by the new terms.
• You may initiate or receive a call from a RubyPorch.com representative or one of our professional partners via one of RubyPorch.com’s tracked phone numbers. If you do so, RubyPorch.com may create a digital audio recording of the call. You acknowledge and agree that your phone call may be recorded for quality assurance purposes only.