WiseAlpha charges members an annual 1% Service Fee based on all amounts invested. We deduct this fee on a proportionate basis from interest payments made on the Notes. The Service Fee is deducted from the interest payment proceeds at the same time (or immediately after) they are deposited into your account. The Service Fee is rounded to the nearest whole penny in your account. In this way we only receive our Service Fee when interest has been earned by our members. In the event that a borrower suspends its interest payments or misses a capital repayment WiseAlpha does not charge the Service Fee until payments are resumed.