Is the customer required to make all payments via auto-billing or auto-payment?

Yes, otherwise the interest rate on their loan is increased by two percentage points (2.00%). This is also required for
the single balloon payment on any short-term (12- or 18-month) loans, and Clean Energy CU will notify the customer
shortly before the balloon payment is due. All customers will receive regular monthly e-statements associated with
their loans that indicate payments due, new principal balance, etc.