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Terms and Conditions of Immediate Presentment Program

Immediate Presentment Program. By your acceptance and use of Central Credit, LLC’s Immediate Presentment Program (the “Program”), the customer/applicant (hereinafter “You,” “Your,” and/or “Patron”) and Central Credit, LLC, its affiliates, third party vendors and service providers (collectively, “Central Credit” and/or “We”) hereby enter this binding Immediate Presentment Program Agreement (“Agreement”).

Through the Program, You may obtain cash through electronic fund transfers “EFTs” or by using personal checks (each, a “Transaction”), at one or more casino locations or establishments that use Central Credit as their check warranty services provider. Central Credit may use third-party products and applications to further or complete the services provided under the Program. You must provide a valid government-issued photo ID or Driver’s License to enroll into the Program. Additionally, You understand and agree that Your information will be retained in Central Credit’s records in compliance with state and federal regulations governing the same and for permitted purposes including but not limited to (1) initiating subsequent Transactions with Your authorization under the Program; (2) the storage and use of Your signature as provided herein and (3) to establish and maintain a stored payment profile/credential in conjunction with an electronic wallet for use within participating casino locations or establishments using Central Credit’s services. Participation in the Program requires You to create a personal identification number or “PIN” to access the account and to initiate Transactions.

Please note that certain establishments may require additional information to authenticate Your identity. Individual locations or establishments may reserve the right to charge a fee for each Transaction. In cases where a fee is added to the amount of a requested Transaction, You will be required to acknowledge and approve the total Transaction amount including any and all fees. Please note that in some cases that it may be necessary to process a second Transaction for any associated fees.

Patron Warranties. You hereby represent and warrant to Central Credit that: (a) You have all requisite authority to enroll in the Program; (b) any information You submit to Central Credit is true, accurate, and correct; (c) You will not attempt to gain unauthorized access to the Program, other accounts, computer systems, or networks under the control or responsibility of Central Credit or any of its affiliates through hacking, cracking, password mining, or any other unauthorized means; (d) You are of legal age (21 years of age or older) and competent to agree to this Agreement; and (e) You are not and will not when participating in the Program be located in, under the control of, or a national or resident of a U.S. embargoed country or territory and are not a prohibited end user under export control laws. You acknowledge that You are not permitted to use the Program if You cannot make these representations.

Financial Institution. You are responsible for any overdraft or non-sufficient fund (“NSF”) fees charged by Your bank or financial institution. The Player Card and PIN (the personal identification number You selected when enrolling in the Program) are not issued by Your depository financial institution. Electronic Funds Transfers (“EFT”) made using Your Player Card and PIN that exceed the balance in Your linked financial institution deposit account may result in overdrafts and associated fees, regardless of whether You have overdraft protection with Your bank or financial institution or have opted to allow overdrafts with respect to debit cards issued by Your depository financial institution that holds Your account. The benefits and protections for Transactions made using the Player Card and PIN may differ from those available through debit cards issued by Your depository financial institution. You are responsible for any overdraft or NSF fees charged by Your bank or financial institution that result from a check or EFT transaction that exceeds Your account balance or that puts Your bank account into an overdraft situation. Your bank may also charge You additional or other fees related to the Transaction, and You are solely responsible for these fees.

Limit. It is within Central Credit’s sole discretion to grant or impose limits for Transactions, transaction types or required account balances, and we additionally reserve the right to reduce such limits at any time. Any limits granted or declined are not limits for “credit” or for a “credit line” at a location or establishment. Central Credit may use Your social security number (“SSN”) for a preliminary credit inquiry to Your credit file for enrollment in the Program. Central Credit’s decision to reject a requested transaction or to establish a limit is within Central Credit’s sole and absolute discretion and is not to be interpreted as having any bearing or indication of Your overall credit worthiness beyond the immediate decision.

Sufficient Funds and Stop Payment. You agree that You will have sufficient funds in Your linked financial institution deposit account to pay all EFTs or checks generated through the Program. You further agree not to stop payment on any check or to take any action that will result in the failure of Your financial institution to honor/pay any EFT or check.

Dishonored Check or Unpaid EFT. Central Credit may charge the maximum fee allowed by law for any check or EFT transaction returned NSF or otherwise not honored by the financial institution associated with the account. You further agree that any dishonored, returned or otherwise unpaid check/EFT fees may be debited from Your account via EFT to recover such fees.

Default. You will be in default under this Agreement if: (a) Any stop payment is issued on any check; (b) any EFT or check is returned unpaid by Your bank for any reason; (c) You provide false or misleading information upon enrollment, or when processing any EFT or check cashing Transaction; or (d) Any of the following events occur: Your death, Your failure to settle any debts related to check or EFT transactions processed within Central Credit’s network, or the commencement of a case under the federal bankruptcy laws by or against you as a debtor.

Consequences of Default. If You are in default under this Agreement, at Central Credit’s option, We may (a) restrict other transactions You may attempt, other than echecks, on Central Credit’s network; (b) restrict other transactions You may attempt, other than echecks, on Central Credit’s affiliate networks; (c) and/or go to court and seek a judgment against You for the then unpaid amount of Your obligations to Central Credit. You agree that in addition to the amount of any outstanding judgment issued in favor of Central Credit, that You will also be liable for court costs and reasonable attorneys’ fees incurred in filing such case and pursuing collection upon any judgment. In the event judgment is entered in Central Credit’s favor, We may attempt to collect the judgment through any or all legal means possible. In addition, We may immediately terminate Your enrollment in the Program without prior notice and without any refunds.

Contact Us Regarding Transfers under the Program. ALL QUESTIONS ABOUT TRANSACTIONS MADE WHITHIN THE PROGRAM MUST BE DIRECTED TO CENTRAL CREDIT, AND NOT TO THE BANK OR FINANCIAL INSTITUTION WHERE THE ACCOUNT IS HELD. Central Credit is the point of contact for the Program and for resolving any errors in Transactions made within the Program.

Central Credit does not send a periodic transaction statement showing activity processed within the Program. Transactions will appear on statements issued by the bank or financial institution where the account is held. IT IS YOUR RESPONSIBILITY TO RETAIN ALL RECEIVED TRANSACTION RECEIPTS GENERATED USING THE PROGRAM AND TO RECONCILE REQUESTED TRANSACTIONS AGAINST THE BANK OR FINANCIAL INSTITUTION ACCOUNT STATEMENT. If You have any questions about any of these Transactions, call or write Central Credit at the telephone number or address indicated below.

IF YOUR PIN IS LOST, STOLEN OR COMPROMISED, OR IF YOU NOTICE ANY UNAUTHORIZED ACTIVITY OF YOUR ACCOUNT RELATED TO THE PROGRAM, PLEASE NOTIFY CENTRAL CREDIT IMMEDIATLEY AT:

Toll-free at 844-EVERI-24 (844-383-7424) or writing to us at: Central Credit, 7250 S Tenaya Way, Suite 100, Las Vegas, NV 89113.

Data Protection & Privacy. Central Credit maintains physical, electronic, and procedural safeguards to protect information within Central Credit’s control, and restrict access to Your personal information to only those of Central Credit employees who require access to that information. We may disclose certain information about You to Central Credit’s affiliates, entities who perform services for Central Credit, entities with whom We have marketing arrangements, establishments to whom We provide services, and to nonaffiliated third parties as required or permitted by law. If You prefer that We not use Your information for marketing purposes or disclose information about You to nonaffiliated third parties, You may direct us not to make these disclosures (other than those required by law) by contacting us at 844-EVERI-24 (844-383-7424). For additional information regarding the privacy of Your information, please visit: http://www.everi.com/privacy-notice/.

Documentation. Transaction receipts are provided at the time You make any EFT or check Transaction under the Program.

Termination. Central Credit reserves the right to modify, terminate all or any part of the Program at any time without prior notice. All fees are non-refundable. You may terminate Your enrollment in the Program by notifying us at 844-EVERI-24 (844-383-7424) or Central Credit, LLC, Attn: Customer Support, 7250 S Tenaya Way, Suite 100, Las Vegas, NV 89113.

Limitation of Liability. WE OFFER THE PROGRAM AND SERVICES THEREUNDER “AS IS” AND DISCLAIM ALL REPRESENTATIONS AND WARRANTIES MADE BY THE SERVICES THE PROGRAM FACILITATES, EITHER EXPRESSLY STATED OR IMPLIED, WITH RESPECT TO THE PROGRAM OR SERVICES OFFERED, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OR FITNESS FOR A PARTICULAR PURPOSE.

Amendment. Central Credit may amend this Agreement, including these Terms and Conditions, at any time by making an amended Agreement, including these Terms and Conditions, available at participating locations or posting such amended Terms and Conditions at: https://www.everi.com/terms/product/central-credit.

Your continued use of the Program following such amendment constitutes Your acceptance of such amended Agreement, including these Terms and Conditions, and Your agreement to abide by the terms of the amended Agreement, including these terms and conditions.

Transferability. The Program account is non- transferrable and cannot be given, assigned, or otherwise transferred to anyone other than the Patron for which the account was created. Central Credit retains the right to assign this Agreement or any EFT or check authorization without Your consent.

Dispute Resolution. You agree that any claim or dispute arising out of this Agreement will be settled by final and binding arbitration under the Commercial Arbitration Rules of the American Arbitration Association in Clark County in the State of Nevada by a single arbitrator. Judgment on any award by the arbitrator may be entered in any court having competent jurisdiction. The arbitrator shall award to the prevailing party, if any, as determined by the arbitrator, the right to collect from the other party all costs and fees incurred by the prevailing party in connection with the arbitration, including without limitation attorney’s fees. YOU UNDERSTAND AND AGREE THAT THIS AGREEMENT TO ARBITRATE CONSTITUTES YOUR WAIVER OF ANY RIGHT TO A TRIAL BEFORE A COURT OR JURY OR A HEARING BEFORE A GOVERNMENTAL AGENCY ON ANY CLAIM OR CONTROVERSY ARISING UNDER THIS AGREEMENT.

Governing Law. You agree that this Agreement and these Terms and Conditions are entered in the State of Nevada and will be governed by, interpreted, and enforced solely in accordance with the laws of the State of Nevada without giving effect to its conflict of laws principles.

Electronic Disclosures. You expressly authorize use the use of electronic records or other electronic means for all disclosures and notifications, including those related the Transactions, that would otherwise be required to be provided to You in writing.

You have the right and/or option to have these Terms and Conditions provided or made available on paper or in a non-electronic form upon request, and the right to withdraw Your consent, including any conditions, consequences, and You will not be charged a fee in the event of such requests.

You may retrieve copies of this Agreement at any time within two (2) years of the date of signature by contacting Central Credit at EVERI-24 (844-383-7424) or 7250 S Tenaya Way, Suite 100, Las Vegas, NV 89113. You may also access information in electronic form that is the subject of this consent at https://www.everi.com/terms/product/check-warranty/.

Ongoing Use. Physical Transactions require the signature of the authorized signer of the account. You authorize Central Credit to supply a digital representation of Your signature where required for requested ecommerce Transactions, in which You have successfully logged into Your account and provided the required identification credentials.

Additionally, You hereby authorize and request that Central Credit maintain Your digital signature for a period of 12 months from the date of signature, and You understand and expressly authorize Central Credit to retain such information in its records for the purpose of initiating subsequent Transactions with Your authorization under this Agreement. The storage and use of Your signature as provided herein is to establish and maintain a stored payment profile/credential for use within establishments subscribing to Central Credit’s services as well as future Transactions.

Hardware and Software Requirements; Notice of Changes. Hardware and software requirements for access to and retention of Your electronic records include:

  • A computer or mobile device with Internet or mobile connectivity.
  • For desktop website-based access:
    • Recent web browser that includes 256-bit encryption;
    • The browser must have cookies enabled. Use of browser extensions may impair full website functionality; and
  • For application-based access:
    • A recent device operating system that supports text messaging, downloading, and applications from the Apple App Store or Google Play store; and
    • The most recent versions of Apple Safari or Google Chrome on iOS or Google Chrome for Android OS.
  • Access to an email address.
  • Sufficient storage space to save communications and/or a printer to print them.

Central Credit may change any of these minimum specifications by posting the new specifications without notice.

For questions about this Transaction, call 844-EVERI-24 (844-383-7424).

Digital Signature. You expressly authorize use of Your digital signature below for the Program, and You hereby authorize and request that Central Credit maintain Your digital signature hereon for a period of 12 months from date hereof.

You agree and understand this consent applies to the financial information that You have supplied to us, and that We have obtained based on that information, during the course of this Program for the next 12 months from the date hereof.