ePay Management is a third-party vendor with which Dummit Fradin has negotiated an ongoing relationship in order to make their services easily and readily available to our clients. Dummit Fradin has no other function in the financing process. Dummit Fradin is not responsible for the application and approval process, loan origination, loan structure, collections procedures, nor for any other aspect of lender practices for any applicant. Dummit Fradin strongly recommends thoroughly reviewing all lender rules, guidelines, and agreements prior to entering into any business relationship with ePay Management, FlexxBuy LLC, Crowdnetic Corporation, or any lender. As is the case with any financial loan transaction, the borrower should make sure he or she understands every aspect of their financial responsibilities regarding any loan prior to entering into any loan agreement, and that the loan agreement suits the individual’s personal financial situation.