I AGREE TO THE ARBITRATION

WAIVER OF JURY TRIAL AND ARBITRATION AGREEMENT: Arbitration is a process in which persons with a dispute (a) waived their rights to file a lawsuit and proceed in court to have a jury trial to resolve their disputes: and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Because the parties to the dispute select the arbitrator, they are responsible for paying the arbitrator. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a decision resolving the dispute. The arbitrator's decision is final and binding upon the parties, and may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS:

1. For purpose of this agreement, the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all federal and state law claims, disputes or controversies arising resulting directly or indirectly to the Applicant/Personal information From (the "Application") This Agreement (including this submission provision and the fees charged). Or any prior agreement or agreements between you and us: (b) all counter claims, cross-claims and third-party claims; (c) all common law claims based upon contract text fraud and other intentional texts; (d) all claims based upon a violation of any state or federal constitution statute or regulation; (e) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (f) all claims asserted by you individually, as a private attorney general, as a representative and/or member of a claim of persons, or in any other representative capacity, against us and/or any of our employees, agents, members, managers, officers, shareholders, directors, trustees or affiliated untitled (besides collectively referred to as "related third-parties"). Including claims for money damages and/or equitable if injunctive relief.
2. Except as to provided in paragraph 4 below, all disputes, including the validity of this arbitration provision shall be resolved by this binding arbitration. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested even if a lawsuit has been filed. Regardless of who demands arbitration you shall have the right to select any of the following arbitration organizations to administer the arbitration; the American Arbitration Association (1-800-778-7879), J. A. M. S./Endispute (1-800-626-5267), or National Arbitration Forum (1-800-474-2371). However, the parties may agree to select a local arbitrator who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association and arbitrate pursuant to such arbitrator's rules. Any arbitration hereunder shall be before a panel of at least three neutral arbitrators. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within (20) twenty days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If we or related third party demand arbitration, you must notify us within (20) twenty days in writing by certified mail return receipt requested of your decision to select an arbitration organization or your desire to select an arbitrator. If you fail to notify us, then we have the right to select an arbitration organization. The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent these rules and Procedures do not contradict the express terms of this Agreement, including the limitations of the arbitrator below. You may obtain a copy of the rules and procedures by contacting the arbitration organization at the toll free number listed above. The parties agree that any action regarding any controversy between the parties shall be brought by arbitration, as described herein, but shall not be pursued simultaneously in different or alternative forms. A written notice of intent to arbitrate pursuant to this agreement stays and/or abating any and all action in a trial court, save and except a hearing on the motion to compel arbitration and/or the entry of an order compelling arbitration and staying and/or abating the litigation pending the filing of the final award of the arbitrators. All reasonable and necessary attorney's fees and all travel costs shall be awarded to the prevailing party on the motion to compel arbitration and must be paid to such party within ten (10) days of the signing of the order compelling arbitration.
3. If we, or a related third party demand arbitration, we will advance all of the arbitration organization's filing or hearing fees. If you demand arbitration, upon your written request to us, we will advance all of the arbitrations organization’s filing or hearing fees. Thereafter, payment if the arbitration organization's fees and expenses, including the arbitrators fees, shall be governed by the rules if the arbitration organization selected. Each party shall bear his or her own costs and expenses including attorney's fees that the party incurs throughout the arbitration. At the close of the arbitration proceeding, the arbitrators, or a majority of them may divide between or among the parties the expenses associated with the arbitration, including (if allowed by applicable lax or agreement) attorney's fees. The arbitrator shall apply substantive law consistent with the federal arbitration act 9 U. S. C. Sections 1-18 ("FAA"), and applicable statutes of limitation. The arbitrator shall honor claims of privilege recognized at law, and the timely request of any party, shall provide a written explanation for the award. The arbitrator may decide, (by document only) with or without a hearing, any motion, which is substantially similar to a motion to dismiss for failure to state a claim, or a motion for summary judgment. In the conduction, the arbitration proceedings, the arbitrator shall not apply any federal or state rules of civil procedures or evidence THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION: THAT IS: THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. The arbitration hearing will be conducted in the county of your residence, or within 30 miles from such county, or in the county in which the transaction under this agreement occurred, or in such place as shall be ordered by the arbitrator. Failure to disclose all facts, which might to an objective observer create a reasonable impression of the arbitrator's partiality, and material errors of law, shall be grounds (in addition to all others) for vacate of an award rendered pursuant to this agreement. The award of the arbitrators, or a majority of them, shall be final, and judgment upon the award rendered may be entered in any court, state or federal, having jurisdiction. The arbitrator award shall be in writing and specify the factual and legal bases for the award. Upon the request of any party, the award shall include findings of fact and conclusions of law. Neither the parties or the arbitrators may disclose the existence, content, or results of any arbitration hereunder without prior written consent of all parties and/or court order.
4. All parties, including related third parties, shall retain the right to seek adjudication in small claims tribunal for disputes within the scope of such tribunal's jurisdiction. Any disputes, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be resolved by binding arbitration.
5. "You acknowledge and agree that by entering into this agreement:" (A) YOU ARE WAIVING YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES: (B) YOU ARE WAIVING YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTY: AND (C) YOU ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED PARTIES.
6. The parties acknowledge that this agreement evidences a transaction involving Interstate Commerce. The Federal Arbitration Act shall govern the interpretation, enforcement, and proceedings pursuant to the Arbitration clause of this agreement. Our agreement to arbitrate is made pursuant to the Federal Arbitration Act. If a final non-appealable judgment of a court having jurisdiction over this transaction finds, for any reason, that the FAA does not apply to this transaction, then our agreement to arbitrate shall be governed by the arbitration law of the state this agreement was made. THIS WAIVER OF A JURY TRIAL AND ARBITRATION AGREEMENT is binding upon and benefits you, your representative heirs, successors, and assignees.

This arbitration provision is binding upon and benefits us and related parties. This arbitration provision continues in full force and effect, even if your obligations have been paid or discharged through bankruptcy. This arbitration provision survives any termination, amendment, expiration, or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise expressly agree in writing. NOTICE: by your signature in the space below you acknowledge that you have read, understand, and agree to the Terms and Conditions. "ADDITIONAL TERMS AND CONDITIONS OF THIS AGREEMENT." Including the provisions on "WAIVER OF JURY TRIAL AND ARBITRATION AGREEMENT."

**CUSTOMER PRIVACY NOTICE**

We receive non-public personal information about you as a customer from the following sources: your application, loan documents, sales documents, your transactions with us, our affiliates and consumer reporting agencies. We do not disclose any non-public personal information about our customers to anyone, except for our affiliates and as permitted by law. We restrict access to non-public personal information about you to those employees who need to know that information to provide product or services to you. We maintain safeguards which restrict access to your non-public personal information.