ASSUMPTION OF RISK

Last Updated: July 25, 2024 @Jason @Brian

Client understands and agrees that there exists an inherent risk in providing his/her personal information to [AU_] LAB, and [AU_] LAB in turn providing that personal information to [AU_] LAB Cardholders on Client’s behalf. Additionally, Client understands there are risks to being associated with someone else’s tradelines as an Authorized User. Client understands that the [AU_] LAB Cardholder’s lenders/credit card issuers may initiate fraud investigations regarding the addition of any authorized users to [AU_] LAB Cardholder’s accounts and that claims of bank fraud may be brought against the Client by virtue of having been added as an authorized user to any of the [AU_] LAB Cardholder’s accounts. Client further understands that the possibility of the [AU_] LAB Cardholder defaulting on their tradeline, the possibility of the [AU_] LAB Cardholder over utilizing their spending on their account by owing more than 15% of their tradeline, and the possibility for the tradeline being closed exists. In any of these scenarios [AU_] LAB shall issue the Client a full refund and [AU_] LAB shall be subject to the limitations on liability as set forth in the Limited Liability clause of this agreement. RELEASE Client agrees to permanently and irrevocably release [AU_] LAB and all of its directors, officers, employees, agents, stockholders, representatives and affiliates from any and all claims, demands, damages and liability of any kind arising from his/her use of the products offered and delivered by [AU_] LAB, including but not limited to any actual, consequential, statutory, nominal, punitive, regulatory, criminal and other damages of any kind.