For Even Hotels, who provides Non-Bank Services, and what is the Bank's responsibility regarding these services?

According to Even Hotels' 2025 Franchise Disclosure Document, Non-Bank Services are provided to the franchisee by the Processor, not by the Bank. The Bank has no responsibility or liability to the franchisee regarding these Non-Bank Services. The agreement regarding Discover Card transactions, American Express Card transactions, and other Non-Bank Services is solely between the franchisee and the Processor. These Non-Bank Services are subject to all terms and provisions outlined in the terms and conditions. If there are conflicts between terms specific to a Non-Bank Service and other provisions in the agreement, the terms specific to the Non-Bank Service will take precedence.

This means that as an Even Hotels franchisee, you will be dealing directly with the Processor for Non-Bank Services, and you cannot hold the Bank liable for any issues related to these services. It is crucial to understand the terms and conditions of the agreement with the Processor for Non-Bank Services, as these terms will govern your relationship and responsibilities. Any disputes or claims related to these services must be addressed directly with the Processor.

Even Hotels franchisees should pay close attention to the fees associated with Conveyed Transactions and other Non-Bank Services, as detailed in the Application, MPA Addendum, Fee Schedule, and other Schedules. These fees can be charged and collected in the same manner as other Servicers Fees, Third-Party Based Fees, and other amounts under the agreement. Therefore, franchisees need to carefully review all related documents to fully understand the financial implications of using Non-Bank Services.