16. Approval of credit quality and income audit; Credit hedging. You allow us to receive your credit report, verify the information you provide us, and gather additional information that can help us assess and understand your performance under this ISA. You understand that we can verify your information and obtain additional information from a number of sources, including, but not just for consumer notification agencies, other Tierces databases, former and current employers, other school repositories, public sources and personal references that you provide. If you ask, you will be notified whether or not we have received a credit report and, if so, the name and address of the consumer reporting agency that submitted the report. You also understand and agree that we receive a credit report and that we may collect additional information, including from the sources described above, as part of the verification or collection of your ISA. You agree to the transmission of your data to our related companies and financial partners, which we will implement with appropriate data security procedures. We count retroactively every month deferred for your payment period if the annual vote shows that your earned income results in an average monthly income of more than $1,667 for each month you were in the deferral period. If you received a lump sum for contract work.B. in the previous calendar year and you work for a month or month in which your account was inactive/deferred, and if the lump sum paid on average from the previous calendar year exceeds an effective income of $1667/month, we count retroactively the months deferred for your payment period. 24. Execution; Electronic transactions. This ISA can be run electronically or manually.
The execution can be performed in return (including the two tests performed on paper and the other, electronic recordings and electronic recordings are executed electronically) which together form a single agreement. Any copy of this ISA (including a printed copy from an electronically recorded image of this ISA) has the same legal effect as an original. (i) limiting other agreements based on income. You agree that you have not entered into and that you do not have additional income-related agreements with us or with another person who requires you to pay a total share of your income above fifteen (15) per cent of your earned income. Loans with income-based repayment plans, including federal student loans, are not considered in this section to be private income-related agreements. 12. Tax return. You accept and acknowledge that the effects of these ISAs on federal, regional and municipal income taxes are not certain and that we have not provided you with tax advice or insurance of specific consequences. Notwithstanding the above, you agree that all parties should be in a better position to declare the transaction as a financial contract and not as a loan or other form of debt by a consistent and good faith declaration of the transaction, in accordance with what the parties consider to be its economic substance, unless required by law.