Payments under the Notes you have subscribed to (which consist of interest and principal) are, by definition, contingent upon the corresponding payments of the respective borrower(s). If a borrower fails to make a monthly payment, CrossLend will take all reasonable steps to recover any outstanding loan payments, up to and including making phone calls and/or sending letters, emails and text messages. If the respective borrower still fails to make payment after our extensive in-house collection process, we may transfer the case to an external debt collection agency, which will then be responsible for collecting your payments. We recommend you consult the Prospectus for more information on borrower non-payment and how this may affect your investment payouts. You may also contact our customer service representatives with any questions regarding a borrower non-payment.