As part of your application to open a bank account with ReliefClub, Inc. dba Oxygen (“Oxygen”), we request your authorization to pull your credit report. You understand that by applying for an Oxygen account and clicking on the appropriate disclosure, you are providing “written instructions” to Oxygen under the Fair Credit Reporting Act authorizing Oxygen to obtain information from your personal credit profile or other information from one or more consumer reporting agencies.

You authorize Oxygen to verify information in your application, and you agree that Oxygen may contact third parties to verify any such information. Oxygen may use your consumer reports to authenticate your identity, to make credit decisions, and for related purposes. You authorize Oxygen to obtain consumer reports each time you request a draw from your credit line, during the processing or disbursal of funds to you, or at various times during the term of your membership in connection with the servicing, monitoring, collection or enforcement for arbitration.

You further acknowledge that Oxygen may report credit data to credit reporting agencies. Oxygen agrees that any information furnished will be accurate. You understand that, if you draw funds as a member of the service the credit pull and reporting on your credit may affect your credit score with Experian, Equifax, or Transunion.