SHALL NAME REPUBLIC AS THE
FINANCIAL INSTITUTION. THE FORMS SHALL BE SIGNED BY AN EMPLOYEE OF THE ERO AND
BY THE CUSTOMER, AND SHALL ALSO INDICATE THAT THE ACCOUNT IS A CHECKING ACCOUNT
AND THAT THE SOURCE IS "OTHER". JHI SHALL CAUSE THE SAME INFORMATION TO BE
CONTAINED IN THE APPROPRIATE DATA FIELD AS PART OF THE INCOME TAX RETURN
ELECTRONICALLY FILED BY THE ERO.
6.5.
CUSTOMER COPIES. JHI SHALL REQUIRE EACH
PARTICIPATING ERO TO TIMELY PROVIDE TO EACH APPLICANT A SIGNED COPY OF THE
APPLICATION, LOAN AGREEMENT, DISCLOSURE STATEMENT, AND STATE DISCLOSURE
DOCUMENTS (WHICH MAY BE COMBINED INTO ONE FORM), SIGNED IRS FORM 8453 OR SIMILAR
FORM, TOGETHER WITH ANY OTHER AGREEMENTS OR DOCUMENTS THAT REPUBLIC REASONABLY
MAY REQUIRE, AS IDENTIFIED TO AND REVIEWED BY JHI PRIOR TO EACH TAX SEASON;
PROVIDED THAT REPUBLIC SHALL BE SOLELY RESPONSIBLE FOR THE FORM AND CONTENT OF
ALL OF THE AFOREMENTIONED DOCUMENTS, SUBJECT TO JHI REVIEW PRIOR TO EACH TAX
SEASON, AND FOR THEIR COMPLIANCE WITH APPLICABLE LAWS, RULES AND REGULATIONS
("APPLICABLE LAW").
6.6.
RETENTION AND HANDLING OF DOCUMENTS.
(A)
RETENTION. JHI SHALL REQUIRE EACH
PARTICIPATING ERO TO RETAIN A COPY OF THE SIGNED APPLICATION, LOAN AGREEMENT AND
DISCLOSURE STATEMENT, STATE DISCLOSURE DOCUMENTS, IF ANY, AS WELL AS A COPY OF
THE FEDERAL AND STATE INCOME TAX RETURNS, IN THE CUSTOMER'S FILE MAINTAINED BY
THEM FOR A PERIOD OF FIVE YEARS FOLLOWING THE PREPARATION AND FILING THEREOF
(AFTER WHICH TIME SUCH DOCUMENTS MAY BE DISCARDED). AT THE REASONABLE REQUEST OF
REPUBLIC, JHI SHALL CAUSE EROS TO DELIVER TO REPUBLIC A COPY OF ANY APPLICATION.
(B)
TAX RETURNS. FOR FRAUD DETECTION,
UNDERWRITING AND COLLECTION PURPOSES, SUBJECT TO JHI'S RECEIPT OF THE CUSTOMER'S
CONSENT AS PROVIDED IN SECTION 7216 OF THE INTERNAL REVENUE CODE, JHI SHALL
PROVIDE TO REPUBLIC ELECTRONIC COPIES OF EACH REPUBLIC CUSTOMER'S ELECTRONICALLY
FILED FEDERAL INCOME TAX RETURN, IN THE FORMAT PRESCRIBED BY THE IRS,
SIMULTANEOUSLY WITH OR PROMPTLY AFTER THE APPLICATION INFORMATION IS TRANSMITTED
TO REPUBLIC.
6
[*] designates portions of this document that have been omitted pursuant to a
request for confidential treatment filed separately with the Securities and
Exchange Commission.
6.7.
LOST CHECKS. IF A REPUBLIC CUSTOMER NOTIFIES
AN ERO THAT A CHECK DISBURSED BY IT HAS BECOME LOST, OR THAT HE OR SHE HAS NOT
RECEIVED A CHECK MAILED BY REPUBLIC WITHIN 14 DAYS, THEN JHI SHALL REQUIRE THE
ERO AND CUSTOMER TO IMMEDIATELY REQUEST REPUBLIC TO STOP PAYMENT THEREON AND
COMPLETE ANY REQUIRED DOCUMENTATION, INCLUDING AN INDEMNIFICATION BOND, IN A
FORM SATISFACTORY TO REPUBLIC. WHEN REPUBLIC RECEIVES THE REQUEST, THE COMPLETED
INDEMNIFICATION BOND AND ANY OTHER DOCUMENTATION REQUIRED BY REPUBLIC, A NEW
CHECK WILL BE ISSUED AT REPUBLIC'S SOLE DISCRETION. ALL ISSUING AND RE-ISSUING
OF CHECKS, INCLUDING A WAITING PERIOD, IF APPLICABLE, WILL BE AT REPUBLIC'S SOLE
DISCRETION.
6.8.
COLLECTION ASSISTANCE. AT THE REASONABLE
REQUEST OF REPUBLIC, AND SUBJECT TO APPLICABLE LAW, JHI SHALL PROVIDE REASONABLE
ASSISTANCE TO REPUBLIC IN THE COLLECTION OF PAST DUE RALS. SUCH ASSISTANCE MAY
INCLUDE, AMONG OTHER THINGS, PROVIDING UPDATED