Text (SMS) Messaging Terms and Conditions

In this Text (SMS) Messaging ("Text Messaging”) Terms and Conditions, the words “you," "your," and

"yours" mean any individual loan customer. The words "we," "us," "our" and "1803" mean 1803

Capital LLC.

The Company’s text messages are intended to provide actionable, informational, or transaction

information regarding your account. You are able to opt-out at any time by the means listed below

under Program Description. We will not send you marketing messages.

Program Description

This program is used to enhance and better support our customer’s needs.

• Payment Reminders – Used to provide payment reminders. Your consent for this text

messaging is given when you provide us with your mobile number in your loan application.

You can opt-out of this type of text alert by simply replying “STOP” at any time when texting

this number. To request more information, text “HELP”. Message frequency varies and is

dependent on text alert type.

• Fees - We do not charge or impose a fee of any kind for your access to or use of text

messaging. However, you are responsible for any and all charges, including, but not limited

to, fees otherwise applicable to your account(s) and fees associated with text messaging

imposed by your communications service provider. Message and data charges may apply

to each text sent or received. Please contact your mobile communication service provider

for pricing plans.

• How to Opt-Out - You may revoke your consent to receive text messages from 1803 at any

time by sending a return text with “STOP”.

• Your Mobile Telephone Number - You agree to provide a valid phone number for this

service so that we may send you certain information about your applicable account. We

determine in our sole discretion what information we make available through this service.

You represent that you are the owner of the record for, or the customary user of, the mobile

telephone number(s) you designated as your cell phone on your loan application.

You agree to indemnify, defend, and hold us harmless from and against any and all claims,

losses, liability, costs, and expenses (including reasonable attorneys’ fees) arising from

your provision of a phone number that is not your own or your violation of applicable

federal, state, or local law, regulation, or ordinance. Your obligation under this paragraph

shall survive termination of the Agreement.

• Access or Delivery to a Mobile Network is Not Guaranteed - Your receipt of our text

message(s) is subject to the terms and conditions of your agreement(s) with your mobile

carrier.

Delivery and receipt of account information through our text messaging program may be

delayed or impacted by factor(s) pertaining to your phone carrier or other parties. We will

not be liable for losses or damage(s) caused in whole or in part by your actions or omissions

that result in any disclosure of account information to third parties. Also, nothing about

1803’s text messaging creates any new or different liability for us beyond what is already

applicable under your existing account agreement.

1803 is not responsible for the use of any text messaging received while driving. Safe driving

is your responsibility, and you should not use this text messaging service while driving.

• Support/Help - To request more information, text “HELP” to the appropriate short code for

which you have questions.

• Changes to Terms and Conditions - 1803 may revise, modify, or amend this Text

Messaging Terms and Conditions at any time, without notice, except as required by law.

Any revision, modification, or amendment shall be effective when it is posted to our

website. You agree to review these Text Messaging Terms and Conditions periodically to

ensure that you are aware of any changes. Your continued use of the messaging service

after the Terms and Conditions have changed shall constitute your acceptance of those

changes.

• Security - You agree to protect your communication device that receives information

through this service and not let any unauthorized person(s) have access to the information

we provide to you through this service.

1803’s text messaging is provided for your convenience and does not replace your monthly

account statement(s), which is the official record of your account(s).

• Disputes - You agree that any action, dispute, claim, or controversy of any nature between

you and 1803 arising from or related to1803's text message service will be subject to and

resolved in accordance with the terms of the Loan Contract.