The Equity Building System™ (“EBS”) is issued through Cottonwood Payments, a division of, FinWise Bank, Member FDIC (the "Bank") and administered by Hank Payments. The Plan is marketed and distributed by Gemcap Equity Management, Inc. (“Gemcap”).

All information provided in any calculator, illustration, or example is provided for illustrative
purposes only and is only an estimate, the validity of which is dependent upon the quality of the
information that you provide. Any potential Biweekly Payment, potential payoff, potential
payoff date, and potential interest savings is an estimate only and will be impacted by a number
of factors including, but not limited to, changes in your loan amount or monthly payment, any
missed payments, the interest rate associated with your loan, whether or not you hold the loan to
maturity or pay off early, and fees. Please refer to the EBS™ agreement for a complete list of
terms and conditions as well as the fees associated with the Plan.

The Bank will initiate Debits from Your Designated Account 2-3 days prior to any payment being
due to Your Lender so that the funds will have time to clear. Each month, FinWise will pay Your
Lender the applicable Loan amount in a manner to avoid late fees.

Even though FinWise will debit your payments from your financial institution (bank account) on a
bi-weekly or other basis as instructed by you, FinWise will typically only make regular payments
to your lenders or payees on your behalf on a monthly basis by the due date or within the
payment grace period. Extra payments that FinWise collects from you as a result of the 26 bi-
weekly payments (if you are on a bi-weekly payment Plan) will typically be forwarded to your
lender or payee twice per year once the enrollment fee has been deducted from such extra
payments.

Our strength and success are attributable to our mission...to offer the best service available to
help our clients take control of their monthly budget. An excellent staff includes our professional, knowledgeable and caring customer service reps who go above the call to assist our clients and partners in any situation that may arise.

In these difficult financial times, the EBS can make an enormous difference in changing the
lives of so many Americans!