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# What if my joint account holder does not have an email address?

To continue with the funding of the loan application, your joint account holder will have to create a new email address to sign the PAD agreement. You can also reconnect to a different bank account that belongs only to you so that you can generate and sign the PAD agreement on your own. 

For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.