I/we understand PāyZero® Inc. underwrites the Bill-Pay Pro&#x2122; Calculator, Internal Return Rate. And that a Cash-Flow Distribution Schedule is followed to get the best results.
<div class="wpb_text_column wpb_content_element vc_custom_1597951443943">Opting-In contracts PāyZero® to enroll you into a No-Risk opportunity for checking account holders. The strategy asks that you allow PāyZero® Financial to pay your monthly household expenses and bills. As your direct deposits post at your bank, you are to transfer a Bill-Pay Pro&#x2122;<strong> </strong>pre-established amount to PāyZero® every week. There is no need to send any savings or anything more than the predetermined amount.</div>
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<div class="wpb_text_column wpb_content_element vc_custom_1597951443943">The Internal Return Rate System works to free up cash while never leaving the bank until each dollar is assigned an account for bill payment. The Internal Return Rate System then uses strategically scheduled disbursements of your direct deposit income to circulate money into a position to cover expenses and savings well “before” bills are even due. This way, when it's time to pay a bill, a fraction of any new income needed to cover that expense is already in place. Now, that particular bill needs less, and less money from your arriving direct deposits.</div>
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<div class="wpb_text_column wpb_content_element vc_custom_1597951443943">The Internal Return Rate System efficiently performs this fractional calculation over and over again, instantly for each of your expenses, including your preset savings amount. The Internal Return Rate System pays all of your expenses, including discretionary and your savings while utilizing 12% – 25% less money as your income arrives in your bank.</div>
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<div class="wpb_text_column wpb_content_element vc_custom_1597951443943">The contract becomes null and void, and non-recourse should you, the client, experience a significant loss of direct deposit income due to job loss, and, or can no longer continue with your banking strategy, or you choose to not use our Internal Return Rate System at any time during the period your auto loan payment is due to your lender. At that point, you are solely responsible for paying your auto loan with your resources.</div>
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<div class="wpb_text_column wpb_content_element vc_custom_1597951443943">I/We understand that PāyZero® is asking me<span class="leadstyle-fontsized">/us to send an amount predetermined by Bill-Pay Pro on a weekly basis to P</span>āyZero Financial for the purpose of bill payment.</div>
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<span class="leadstyle-fontsized">I/We understand</span><span class="leadstyle-fontsized"> the </span><span class="leadstyle-fontsized">Bill-Pay Pro&#x2122; to be completely safe. I/we understand that at any time, I/we can simply log Bill-Pay Pro&#x2122; and:</span>
<ul>
 	<li>see what bills have been paid</li>
 	<li>see what is coming next</li>
 	<li>see your balances.</li>
 	<li>see your benefit.</li>
 	<li>have your benefit sent anywhere you like.</li>
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<span class="leadstyle-fontsized">If I/we find </span>PāyZero® Inc. is not processing payments fast enough to avoid late fees, and or not paying bills in a timely manner, and or not paying bills at all, and or not paying out 12% - 25% of my/our total monthly expenses, then I/we can void this agreement, and PāyZero® Inc. is to refund any outstanding dollars as soon as possible.

<strong>Fees:</strong>

<span class="leadstyle-fontsized">Our services come in 4 options. </span>

<span class="leadstyle-fontsized">Option 1: </span>BILL-PAY PRO WITH $250/MONTH EMERGENCY FUND - Under this plan, PāyZero® Inc. pays all bills expenses, and lifestyle allowances for the client on a monthly basis until the contract is terminated by either the client or PāyZero®. The client is responsible for providing PāyZero® with a set amount of money on a weekly basis to cover the monthly cost of their household's lifestyle. The client pays a one-time fee of $99, and<span class="leadstyle-fontsized"> </span>PāyZero® pays all bills and sends $250/mo to their emergency fund.

<span class="leadstyle-fontsized">Option 2:  BILL-PAY PRO WITH $500/MONTH EMERGENCY FUND - Under this plan, PāyZero® Inc. pays all bills expenses, and lifestyle allowances for the client on a monthly basis until the contract is terminated by either the client or PāyZero®. The client is responsible for providing PāyZero® with a set amount of money on a weekly basis to cover the monthly cost of their household's lifestyle. The client pays a one-time fee of $199, and PāyZero® pays all bills and sends $250/mo to their emergency fund.</span>

<span class="leadstyle-fontsized">Option 3:  BILL-PAY PRO WITH $750/MONTH EMERGENCY FUND - Under this plan, PāyZero® Inc. pays all bills expenses, and lifestyle allowances for the client on a monthly basis until the contract is terminated by either the client or PāyZero®. The client is responsible for providing PāyZero® with a set amount of money on a weekly basis to cover the monthly cost of their household's lifestyle. The client pays a one-time fee of $299, and PāyZero® pays all bills and sends $250/mo to their emergency fund.</span>

<span class="leadstyle-fontsized">Option 4:  Under this plan, PayZero coaches the client on setting up their own bill payment plan. The client pays an initial advisory fee of $1,499 to generate the amount guaranteed under the</span> Bill-Pay Pro&#x2122; Calculator's Schedule<span class="leadstyle-fontsized">. </span>We provide a 100% Money Back Guarantee.  I/we understand PāyZero® provides their long-term advisory at an initial rate of $1,499 and 2% of the total cost of expenses per month. I/we understand my/our long-term advisory fee does not come from our household budget but from the money generated by following the steps of the Bill-Pay Pro&#x2122; System.
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In the case of an EFT Transaction being rejected for Non-Sufficient Funds (NSF), I/we understand that the business may at its discretion attempt to process the charge again within 30 days, and agree to an additional $10.00 charge for each attempt returned NSF will be initiated as a separate transaction from the authorized payment. I/we acknowledge that the origination of EFT transactions to my account must comply with the provisions of U.S. law. I/we will not dispute PāyZero® debiting my checking/debit/credit card account so long as the transaction corresponds to the terms indicated in this web form.

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