Tax Return Specialist with Audit Protection Expertise

Location:

Humble, TX

Posted:

January 30, 2026

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This page was printed on: **/**/** at **:**:** PM

GAME CHANGER TAX PROFESSIONALS #2

X - Tax Refund - Refund Advance

X - Tax Refund - Refund Transfer

X - Audit Protection

GARY WILLIAMS

2USCON1

This form is provided to you by (Tax Preparer).

Federal law requires this consent form be provided to you. Unless authorized by law, we, as your Tax Preparer, cannot use your tax return information for purposes other than the preparation and filing of your tax return without your consent.

You are not required to complete this form to engage our tax return preparation services. If we obtain your signature on this form by conditioning our tax return preparation services on your consent, your consent will not be valid. Your consent is valid for the amount of time that you specify. If you do not specify the duration of your consent, your consent is valid for one year from the date of signature. If you would like us to use your tax return information to determine your eligibility for the following product(s), please choose the particular product and check the appropriate box below: Printed Name of Taxpayer: Printed Name of Joint Taxpayer: Taxpayer Signature: Joint Taxpayer Signature:

Date: Date:

If you believe your tax return information has been disclosed or used improperly in a manner unauthorized by law or without your permission, you may contact the Treasury Inspector General for Tax Administration (TIGTA) by telephone at 1-800-***-****, or by email at **********@*****.*****.***. Consent to Use of Tax Return Information

2022 Tax Year

Home Phone:936-***-**** ***-**-****

Cell Phone: TAX YEAR 2022

03/11/2023 PPID:AKEEMA5

GARY WILLIAMS GAME CHANGER TAX PROFESSIONALS #2

14511 OLD KATY ROAD

512 ALLEN WHITE HOUSTON

NAVASOTA TX 77868 TX 77079

2690.00

160.00

CLIENT CONSULTATION 810.00

182.95

17.00

100.00

39.95

Audit Protection, Protection Plus 54.95

4054.85

Only One Fee will

Apply if Applicable

2 7

3 7

4 7

2USIN1

, $

NOTE: We reserve the right to amend fees or their descriptions as the result of or in reaction to state, federal or regulatory laws. A fee charged to integrate remote signature technology. A fee charged by the tax software company for the transmission of a bank product application through its software. In states (when preparer's office is located in AR, CT, IL, MD, ME, NY) that prohibit the charging of an additional bank fee (like the transmission fee), a fee will be charged to all returns for the transmission and security of data / documents through the software. A fee charged for the cost of programming, communication protocols and the ongoing costs of maintenance, updates and enhancements to the software and the related network infrastructure. This is the fee charged and set by the Service Bureau. This is a third party, that for a fee, enables Preparer to offer certain Taxpayer services. Preparer / Network may have added on to this fee. See bank product application for details.

The Transmission, Transmitter and Technology fees are pass-through fees from the tax software provider. Preparer / Network may have added on to these fees.

E-filing is the act of filing specific documents online or otherwise. This fee is charged by Preparer but may be shared within the Network. Receipt Number: Site ID: Date:

Client Name and Address Office Information

Fees Related to Tax Preparation Services

Itemized Form Billing Charges

Hourly Charges

Self-Prepared Flat Fee

Pre-Defined Charges

Prior Year Balance / (Overpayment)

Remote Signature Fee

Document Preparation Fee

Fees Related to Software and Transmitting Services Transmission Fee

Transmitter Fee

Technology Fee

Electronic Filing (e-filing) Fee

Service Bureau Fee

Bank Fees

Additional Services and Products / Ancillary Products Total of all Charges

Discounts or Credits

Tax @

Amount Expected to be Paid by Financial Institution Balance Due / (Overpayment)

Total Due

Description of Fees

Invoice and Fee Disclosure

TAX YEAR 2022

GARY WILLIAMS GAME CHANGER TAX PROFESSIONALS #2

14511 OLD KATY ROAD

512 ALLEN WHITE HOUSTON

NAVASOTA TX 77868 TX 77079

2USIN2

Client Name and Address Office Information Discounts Amount

% Amount

1. Tax Preparation Discount

2. Predefined Discount

Discount Total

Description of Payment / Credit

Date Received Received From Method Memo Amount

Payment / Credit Total

ITEMIZED FORM BILLING INVOICE

TAX YEAR 2022

GARY WILLIAMS GAME CHANGER TAX PROFESSIONALS #2

14511 OLD KATY ROAD

512 ALLEN WHITE HOUSTON

NAVASOTA TX 77868 TX 77079

US01 RET 1040 1 399.00 399.00 399.00

US0C RET SCH 3 1 599.00 599.00 599.00

US02 FRM W-2 5 99.00 495.00 495.00

US09 SCH C 1 599.00 599.00 599.00

USNC FRM 1099-NEC 1 99.00 99.00 99.00

US8M FRM 8910 1 499.00 499.00 499.00

2690.00

2USIN3

Client Name and Address Office Information

Itemized Form Billing Summary

Total Itemized Form Billing Amount

Form Number / Name Number @ Price = Total

ITEMIZED FORM BILLING INVOICE

GAME CHANGER TAX PROFESSIONALS #2

GARY WILLIAMS ***-**-****

2022

105,288

14,707

1,782

99,108

X 02610

766********

) 7 6 6 7 4 2 2 0 2 3 0 7 4 3 9 9 9 8 4 4

Department of the Treasury

Internal Revenue Service

Form

(Rev. January 2021) OMB No. 1545-0074

Taxpayer s name

Spouse s name

1037 CPTS 2USPA1 Form (Rev. 01-2021)

Social security number

Spouse s social security number

ERO firm name Enter five digits, but

don t enter all zeros

ERO firm name Enter five digits, but

don t enter all zeros

Don t enter all zeros

Under penalties of perjury, I declare that I have examined a copy of the income tax return (original or amended) I am now authorizing, and to the best of my knowledge and belief, it is true, correct, and complete. I further declare that the amounts in Part I above are the amounts from the income tax return (original or amended) I am now authorizing. I consent to allow my intermediate service provider, transmitter, or electronic return originator (ERO) to send my return to the IRS and to receive from the IRS (a) an acknowledgement of receipt or reason for rejection of the transmission, (b) the reason for any delay in processing the return or refund, and (c) the date of any refund. If applicable, I authorize the U.S. Treasury and its designated Financial Agent to initiate an ACH electronic funds withdrawal (direct debit) entry to the financial institution account indicated in the tax preparation software for payment of my federal taxes owed on this return and/or a payment of estimated tax, and the financial institution to debit the entry to this account. This authorization is to remain in full force and effect until I notify the U.S. Treasury Financial Agent to terminate the authorization. To revoke (cancel) a payment, I must contact the U.S. Treasury Financial Agent at Payment cancellation requests must be received no later than 2 business days prior to the payment (settlement) date. I also authorize the financial institutions involved in the processing of the electronic payment of taxes to receive confidential information necessary to answer inquiries and resolve issues related to the payment. I further acknowledge that the personal identification number (PIN) below is my signature for the income tax return (original or amended) I am now authorizing and, if applicable, my Electronic Funds Withdrawal Consent.

I certify that the above numeric entry is my PIN, which is my signature for the electronic individual income tax return (original or amended) I am now authorized to file for tax year indicated above for the taxpayer(s) indicated above. I confirm that I am submitting this return in accordance with the requirements of the Practitioner PIN method and Handbook for Authorized IRS e-file Providers of Individual Income Tax Returns. ERO must obtain and retain completed Form 8879.

Go to www.irs.gov/Form8879 for the latest information. 1-888-***-****.

Pub. 1345,

SPA For Paperwork Reduction Act Notice, see your tax return instructions. Submission Identification Number (SID)

Enter whole dollars only on lines 1 through 5.

Form 1040-SS filers use line 4 only. Leave lines 1, 2, 3, and 5 blank. Adjusted gross income . . . . . . . . . . . . . . . . . . . . . . . . . . Total tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Federal income tax withheld from Form(s) W-2 and Form(s) 1099 . . . . . . . . . . . . Amount you want refunded to you . . . . . . . . . . . . . . . . . . . . . . Amount you owe . . . . . . . . . . . . . . . . . . . . . . . . . . . . I authorize to enter or generate my PIN as my

signature on the income tax return (original or amended) I am now authorizing. I will enter my PIN as my signature on the income tax return (original or amended) I am now authorizing. Check this box if you are entering your own PIN your return is filed using the Practitioner PIN method. The ERO must complete Part III below.

Your signature Date

I authorize to enter or generate my PIN as my

Spouse s signature Date

Enter your six-digit EFIN followed by your five-digit self-selected PIN. ERO s signature Date

Note:

1 1

2 2

3 3

4 4

5 5

Taxpayer s PIN: check one box only

only

and

Spouse s PIN: check one box only

only

and

ERO s EFIN/PIN.

Part I Tax Return Information Tax Year Ending December 31, (Enter year you are authorizing.) Part II Taxpayer Declaration and Signature Authorization (Be sure you get and keep a copy of your return) Practitioner PIN Method Returns Only continue below Part III Certification and Authentication Practitioner PIN Method Only ERO Must Retain This Form See Instructions

Don t Submit This Form to the IRS Unless Requested To Do So 8879

8879 IRS e-file Signature Authorization

GARY WILLIAMS ***-**-****

512 ALLEN WHITE

NAVASOTA TX 77868 936-***-****

Department of the Treasury

Internal Revenue Service

OMB No. 1545-0074

Form

Your first name and initial Last name

If a joint return, spouse s first name and initial Last name Home address (number and street). If you have a P.O. box, see instructions. Apt. no. City, town or post office, state, and ZIP code (If a foreign address, also complete spaces below.) Foreign country name Foreign province/state/county Foreign postal code 1037 CPTS 2US991 Form (2022)

Your social security number

Spouse s social security number

For the year January 1-December 31, 2022

Please

print or

type. You enter

your SSN(s) above.

See instructions on back.

Go to www.irs.gov/Form8453 for the latest information. Important!

must

SPA For Disclosure, Privacy Act, and Paperwork Reduction Act Notice, see your tax return instructions. Form 1098-C, Contributions of Motor Vehicles, Boats, and Airplanes (or equivalent contemporaneous written acknowledgement)

Form 2848, Power of Attorney and Declaration of Representative (or POA that states the agent is granted authority to sign the return)

Form 3115, Application for Change in Accounting Method Form 3468 - attach a copy of the first page of NPS Form 10-168, Historic Preservation Certification Application (Part 2- Description of Rehabilitation), with an indication that it was received by the Department of the Interior or the State Historic Preservation Officer, together with proof that the building is a certified historic structure (or that such status has been requested) Form 4136 - attach appropriate certificates and, if applicable, the appropriate reseller statements for biodiesel, renewable diesel, and sustainable aviation fuel claims

Form 5713, International Boycott Report

Form 8283, Noncash Charitable Contributions, Section A (if any statement or qualified appraisal is required), or Section B, Donated Property, and any related attachments (including any qualified appraisal or partnership Form 8283) Form 8332, Release/Revocation of Release of Claim to Exemption for Child by Custodial Parent (or certain pages from a divorce decree or separation agreement that went into effect after 1984 and before 2009) (see instructions) Form 8858, Information Return of U.S. Persons With Respect to Foreign Disregarded Entities (FDEs) and Foreign Branches (FBs) Form 8864 - attach the appropriate certificates and, if applicable, the appropriate reseller statements for biodiesel, renewable diesel, and sustainable aviation fuel claims

Form 8949, Sales and Other Dispositions of Capital Assets (or a statement with the same information), if you elect not to report your transactions electronically on Form 8949 FILE THIS FORM ONLY IF YOU ARE ATTACHING ONE OR MORE OF THE FOLLOWING FORMS OR SUPPORTING DOCUMENTS.

Check the applicable box(es) to identify the attachments. DON'T SIGN THIS FORM.

8453

8453 U.S. Individual Income Tax Transmittal for an IRS e-file Return 2022

GAME CHANGER TAX PROFESSIONALS #2

X - Tax Refund - Refund Transfer

- Santa Barbara Tax Products Group, LLC,

and Civista Bank

X - Audit Protection

- Tax Protection Plus, LLC

GARY WILLIAMS

2USCOD1

This form is provided to you by (Tax Preparer).

Federal law requires this consent form be provided to you. Unless authorized by law, we cannot disclose your tax return information to third parties for purposes other than the preparation and filing of your tax return without your consent. If you consent to the disclosure of your tax return information, Federal law may not protect your tax return information from further use or distribution. You are not required to complete this form to engage our tax return preparation services. If we obtain your signature on this form by conditioning our tax preparation services on your consent, your consent will not be valid. If you agree to the disclosure of your tax return information, your consent is valid for the amount of time that you specify. If you do not specify the duration of your consent, your consent is valid for one year from the date of signature. You have indicated an interest in the products below. If you would like us to disclose that portion of your tax return that is necessary to the third party selling this product to determine your eligibility for the following product(s) and/or complete the purchasing of the product, please check the appropriate box below:

Printed Name of Taxpayer: Printed Name of Joint Taxpayer: Taxpayer Signature: Joint Taxpayer Signature:

Date: Date:

2022 Tax Year

This page was printed on: 04/16/24 at 01:03:18 PM

GARY WILLIAMS

CUSTOMER SERVICE: 800-***-****

If you file your federal tax

return electronically, you can receive refund checks directly from the IRS through the U.S. Postal Service in 21 days from the time you file your federal tax return or the IRS can deposit your refund(s) directly into your bank account in less than 21 days from the time you file your federal tax return unless there are delays by the IRS. If you file a federal paper return through the U.S. Postal Service you can receive refund checks directly from the IRS through the U.S. Postal Service in 6 to 8 weeks from the time the IRS receives your federal return or the IRS can deposit your refund(s) directly into your bank account in 6 to 8 weeks from the time the IRS receives your federal return. However, if your federal return contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2023. Please consult your applicable state taxing authority s website for details on when you can expect to receive your state tax refund(s). If your federal or state tax returns are electronically filed by a professional, you may have to pay certain fees related to electronic filing such as transmitter fees and electronic filing fees in addition to the fee charged by your tax preparer for preparing your taxes. Throughout the remainder of the document, the words tax return(s), income tax return(s), tax refund(s) and refund(s) refer to both federal and state, unless otherwise specifically denoted.

An RT allows your refund(s) to be deposited into a bank account intended as a temporary deposit account

( Deposit Account ) at Civista Bank ( Bank ) and deducts your tax preparation and other fees you authorize from your refund(s). The balance is delivered to you via the disbursement method you select. If you file your tax return(s) electronically and select an RT, the IRS or applicable state taxing authority will deposit your refund(s) with Bank. Upon Bank s receipt of your refund(s), Santa Barbara Tax Products Group, LLC, a division of Green Dot Corporation, a Delaware corporation ( Servicer ), a processor, will deduct and pay from your refund(s) the RT Processing Fee, any fees charged by your tax preparer for the preparation and filing of your tax return(s) and any other amounts authorized by you, and disburse the balance of your refund proceeds to you. Unless there are delays by the IRS, federal tax refunds are received in less than 21 days from the time you file your federal tax return electronically. However, if your federal tax return contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your federal tax refund no earlier than February 15, 2023. Please consult your applicable state taxing authority s website for details on when you can expect to receive your state tax refund(s). An RT Processing Fee of $39.95 is charged to process your federal or state tax refunds. The RT Processing Fee will be increased by $14.95 if Servicer processes federal and state refunds for you (and an additional $14.95 fee will be incurred for each state if multiple state returns are processed). In connection with an RT, in addition to the RT Processing Fee, you may have to pay certain other charges and fees, including a transmission fee, a technology fee and an electronic filing fee that may be payable to the transmitter or your tax preparer. Additional fees may apply depending on the disbursement method you select. 2023 RT Application and Agreement_CAF 2023-1B, January 2023 SANTA BARBARA TAX PRODUCTS GROUP, LLC

CIVISTA BANK

REFUND TRANSFER APPLICATION AND AGREEMENT

IMPORTANT DISCLOSURES:

PLEASE READ

If you are owed federal or state tax refunds, you have a right to choose how you will receive these refunds. There are several options available to you. Some options cost money and some options are free. Please read about these options below and on the next page.

You can file your tax return electronically or by paper and obtain your federal tax refund(s) directly from the Internal Revenue Service ( IRS ) for free. Additionally, you can file your state tax return(s) electronically or by paper and obtain your state tax refund(s) directly from the applicable state taxing authority for free. You can file your tax return(s) electronically, select a Refund Transfer ( RT ) for an additional fee (the RT Processing Fee ), and have your income tax refund(s) processed through a processor using banking services of a financial institution.

An RT is not necessary to obtain your refund(s). If you have an existing bank account you do not need an RT, which requires the payment of a fee, in order to receive a direct deposit from the IRS or applicable state taxing authority. You may consult the IRS website (IRS.gov) or website of the applicable state taxing authority for information about tax refund processing.

This page was printed on: 04/16/24 at 01:03:18 PM

GARY WILLIAMS

2023 RT Application and Agreement_CAF 2023-1B, January 2023 CUSTOMER SERVICE: 800-***-****

The chart below shows the options for filing your federal and state tax returns (e-file or paper returns), when payment for services is due, the RT product, refund disbursement options, estimated timing for obtaining your tax refund proceeds, and costs associated with the various options. Please read and review carefully all contract documents for specific information about your options. PAPER Payment is due at IRS or applicable Approximately No additional cost. RETURN the time your state taxing 6 to 8 weeks

federal or state authority issues

No Refund Transfer paper returns are direct deposit to Check website for prepared and your personal bank applicable state

delivered to you for account. taxing authority

filing. Check mailed by IRS Approximately

or applicable state 6 to 8 weeks

taxing authority to

address on tax Check website for

return. applicable state

taxing authority

ELECTRONIC Payment is due at IRS or applicable Usually within No additional cost. FILING the time of e-filing state taxing 21 days

(E-FILE) federal or state authority issues

returns. direct deposit to Check website for

No Refund Transfer your personal bank applicable state account. taxing authority

Check mailed by IRS Approximately

or applicable state 21 to 28 days

taxing authority to

address on tax Check website for

return. applicable state

taxing authority

ELECTRONIC Payment is due (a) Direct deposit Usually within $39.95 FILING when your federal to your bank 21 days

(E-FILE) or state tax refund account,

proceeds have Check website for

Refund Transfer been disbursed to (b) Load to your applicable state you as authorized GO2bank Visa® taxing authority

from the Deposit Debit Card, or

If you select an RT, no prior debt you may owe to Bank will be deducted from your refund(s). You can change your income tax withholdings which might result in you receiving additional funds throughout the year rather than waiting to receive these funds potentially in the form of an income tax refund next year. Please consult your employer or tax advisor for additional details.

This Agreement requires all disputes to be resolved by way of binding arbitration. The terms of the arbitration provision appear in Section 13.

Information regarding low-cost deposit accounts may be available at www.mymoney.gov. Questions? Call 800-***-****

WHAT TYPE OF WHEN IS PAYMENT WHAT ARE YOUR WHAT IS THE WHAT COSTS DO FEDERAL AND FOR TAX DISBURSEMENT ESTIMATED TIME YOU INCUR IN STATETAXRETURN PREPARATION OPTIONS? TO RECEIVE ADDITION TO TAX FILING METHOD? SERVICES DUE? REFUNDS? PREPARATION

FEES?

This page was printed on: 04/16/24 at 01:03:18 PM

GARY WILLIAMS

2023 RT Application and Agreement_CAF 2023-1B, January 2023 CUSTOMER SERVICE: 800-***-****

Account or

returned to the IRS (c) Check

or applicable state

taxing authority.

You may incur additional charges from the issuer of the debit card if you select to have your tax refund(s) loaded on a debit card. Bank is not affiliated with the issuer of the debit card. An additional $12.00 check administration fee may apply. See Section 5 of the Agreement for more details. However, if your tax return contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2023.

The RT Processing Fee will be increased by $14.95 if Servicer processes federal and state refunds for you (and an additional $14.95 fee will be incurred for each state if multiple state returns are processed). In addition, you may have to pay certain other charges and fees beyond this amount, including a transmission fee, a technology fee and an electronic filing fee that may be payable to the transmitter or the tax return preparer. These fees may include a processing fee payable to Servicer, in addition to the RT Processing Fee, if fees are due to your tax preparer for preparing your tax documents. This fee will be calculated according to the following schedule depending on the amount of fee due to your tax preparer for preparing your tax documents: The IRS or applicable state taxing authority does not guarantee that you will be paid the full amount of an anticipated tax refund and does not guarantee that an anticipated tax refund will be deposited into your account or mailed to you on a specific date.

Questions? Call 800-***-****

Tax Preparer Fee Range Servicer Fee

$0.01-50.00 $5

$50.01-100.00 $7

$100.01-150.00 $10

This page was printed on: 04/16/24 at 01:03:18 PM

GARY WILLIAMS

***-**-****

*********@*****.***

2023 RT Application and Agreement_CAF 2023-1B, January 2023 If checked, you hereby verify that the cell phone number provided above is your mobile number and you consent to receive optional servicing, promotional and marketing text messages at this number from or on behalf of Santa Barbara Tax Products Group, LLC, a division of Green Dot Corporation, a Delaware corporation ( Servicer ), and Civista Bank

( Bank ) regarding the status or approval of products and services you requested pursuant to this Refund Transfer Application and Agreement and additional products or services that may be offered by Servicer or Bank. Your standard message and data rates may apply. If checked, you hereby verify that the cell phone number provided above is your mobile number and you consent to receive optional servicing text messages at this number from or on behalf of First Century Bank, N.A. ( FCB ) regarding the status of your Fast Cash Advance Refund Advance Loan Agreement submitted to FCB. Your standard message and data rates may apply.

. You may text 89817

the words HELP for help or STOP to cancel at any time, and message frequency varies. The Fast Cash Advance Refund Advance Loan Agreement and Privacy Policy for FCB that apply to the loan are provided with this documentation for reference and can be found at https://www.myfirstcenturybank.com/policies/texting/ and https://myfirstcenturybank.com/wp-content/uploads/2021/09/First-Century- Bank-Privacy-Policy-2020-07_NEW.pdf.

If checked, you hereby verify that the email address provided above is your email address and you consent to receiving optional promotional and marketing emails at this address from or on behalf of Santa Barbara Tax Products Group, LLC, a division of Green Dot Corporation, a Delaware corporation ( Servicer ), and Bank regarding additional products or services that may be offered by Servicer or Bank.

As used in this Refund Transfer Application and Agreement ( Agreement ), the terms you and your refer to the person signing below as the Taxpayer (or, if a joint return is being filed, both Taxpayers ). The term

Bank refers to Civista Bank located in Sandusky, Ohio. The term Servicer refers to Santa Barbara Tax Products Group, LLC, a division of Green Dot Corporation, a Delaware corporation, which acts as a processor for your income tax refund(s). The terms we, our, and us refer to Bank and/or Servicer. You are having your 2022 federal (and state(s), if applicable) income tax return(s) prepared and filed by your Tax Preparer/Electronic Filer ( Tax Preparer ) and hereby authorize Bank to receive your income tax refund(s) on your behalf and authorize Servicer to make disbursements from your refund(s) as authorized by this Agreement. You authorize Bank to establish a temporary deposit account

(the Account ) in your name for the purpose of receiving a direct deposit of your tax refund(s) from the Internal Revenue Service ( IRS ) or applicable state taxing authorities. You agree to pay a tax refund transfer processing fee (the RT Processing Fee ) and you may have to pay certain other charges and fees, including a transmission fee, a technology fee and an electronic filing fee payable to the tax software company that assists in transmitting your return to the IRS or applicable state taxing authority (the Transmitter ) and/or your Tax Preparer. These fees may include a processing fee payable to Servicer, in addition to the RT Processing Fee, in the amount set forth in the footnote to the above chart if fees are due to your Tax Preparer for preparing your tax documents. If and when Bank receives your income tax refund(s), you authorize Servicer to deduct from your Account an RT Processing Fee of $39.95, an additional $14.95 RT Processing Fee per tax refund if more than one refund is processed (i.e., federal and state or multiple states), your tax preparation fees, any other fees assessed by your Tax Preparer or by the Servicer or Transmitter, and any other amounts, fees and charges authorized by this Agreement, and to disburse any remaining balance in the Account to you using the disbursement method indicated below. Additional fees may apply, depending on the disbursement method you select. See the Refund Transfer Fee Disclosure for an itemization and explanation of these charges. In the event the fees or other amounts due for products or services set forth in this Agreement are not fully paid from your federal and/or state refunds for any reason, including repayment of and interest associated with refund advance products ( Outstanding Amounts ), any Outstanding Amounts may be deducted 1.a. Texting Opt-In for Santa Barbara Tax Products Group, LLC and Bank: You understand

and agree that Servicer and Bank can deliver SMS messages using an automatic telephone dialing system and that you do not need to sign up for text notifications in order to purchase or obtain any products or services from Servicer or Bank. You may text STOP in response to the message to cancel at any time.

1.b. Texting Opt-In for First Century Bank, N.A.: You understand and agree that FCB can deliver SMS messages using an automatic telephone dialing system and that you

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