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Disclaimer for Credit Central
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If not at least four present Creditors, list paid out Creditor Arbitration. Lender and Borrower agree, pursuant to the Arbitration Agreement incorporated by reference into the Loan Agreement, that upon Lender's or Borrower's request, any and all disputes, claims, or controversies of any kind between Lender and Borrower arising out of or relating to the relationship between Lender and Borrower will be resolved through mandatory, binding arbitration. The Arbitration Agreement shall be governed by the Federal Arbitration Act and any arbitration shall be conducted in accordance with the consumer arbitration rules of the American Arbitration Association or the National Arbitration Forum. The arbitrator is required to follow all substantive law applicable to any dispute, including the statute of limitations and must respect any applicable privilege. IF LENDER OR BORROWER REQUEST ARBITRATION, LENDER AND BORROWER WAIVE ANY RIGHTS TO HAVE DISPUTES RESOLVED IN COURT. THE ARBITRATOR'S DECISION CANNOT BE APPEALED. THERE SHALL BE NO CLASS CLAIMS OR RELIEF.

Each applicant (an "Applicant") herein (including any guarantor, if applicable), having first read this application, hereby executes same on the application date set forth above, and certifies, that each Applicant is of the legal age to contract and that all of the above statements are true and complete and made for the purpose of obtaining the credit hereby applied for, and warrants that the above statements full represent each Applicant's income relied upon as the basis of repayment of the credit and indebtedness herein applied for. Each Applicant hereby authorizes Creditor to communicate with with each Applicant and/or any person and/or any entity in connection with and during the pendency of this application and/or any credit granted as a result thereof, for the purposes of investigation and/or verification of the references and/or statements set forth herein and any other data and/or information, written or oral, obtained by Creditor from or with respect to any Applicant herein, and/or for the purposes of extension or review or collection of any credit granted by Creditor and/or any further solicitation by Creditor to any Applicant. In addition, by signing below APPLICANT(S) (EACH, if applicable) ACKNOWLEDGE THAT SAID APPLICANT UNDERSTANDS AND HAS BEEN INFORMED BY CREDITOR THAT THE PURCHASE OF CREDIT LIFE AND/OR CREDIT DISABILITY INSURANCE IS NOT REQUIRED BY CREDITOR TO OBTAIN ANY CREDIT FROM CREDITOR. By signing below, Applicant(s) (each, if applicable) additionally acknowledges that said Applicant understands and has been informed that Creditor must notify Applicant(s) as to the approval or rejection of this application within 30 days and that Applicant(s) can request Creditor's reasons for the action taken and Creditor will retain this application as its property whether or not this application is approved. In addition, Applicant(s), by signing below (each is applicable), consents to Creditor providing any information it may have acquired, herein or from any other source whatsoever, with respect to said Applicant to any individual or entity, where said individual or entity represents to Creditor that the said Applicant has used Creditor, orally in writing, as a reference to obtain credit and/or goods and/or housing and/or services and/or any product whatsoever form said individual or entity.

Disclaimer for Credit Central
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If not at least four present Creditors, list paid out Creditor Arbitration. Lender and Borrower agree, pursuant to the Arbitration Agreement incorporated by reference into the Loan Agreement, that upon Lender's or Borrower's request, any and all disputes, claims, or controversies of any kind between Lender and Borrower arising out of or relating to the relationship between Lender and Borrower will be resolved through mandatory, binding arbitration. The Arbitration Agreement shall be governed by the Federal Arbitration Act and any arbitration shall be conducted in accordance with the consumer arbitration rules of the American Arbitration Association or the National Arbitration Forum. The arbitrator is required to follow all substantive law applicable to any dispute, including the statute of limitations and must respect any applicable privilege. IF LENDER OR BORROWER REQUEST ARBITRATION, LENDER AND BORROWER WAIVE ANY RIGHTS TO HAVE DISPUTES RESOLVED IN COURT. THE ARBITRATOR'S DECISION CANNOT BE APPEALED. THERE SHALL BE NO CLASS CLAIMS OR RELIEF.

Each applicant (an "Applicant") herein (including any guarantor, if applicable), having first read this application, hereby executes same on the application date set forth above, and certifies, that each Applicant is of the legal age to contract and that all of the above statements are true and complete and made for the purpose of obtaining the credit hereby applied for, and warrants that the above statements full represent each Applicant's income relied upon as the basis of repayment of the credit and indebtedness herein applied for. Each Applicant hereby authorizes Creditor to communicate with with each Applicant and/or any person and/or any entity in connection with and during the pendency of this application and/or any credit granted as a result thereof, for the purposes of investigation and/or verification of the references and/or statements set forth herein and any other data and/or information, written or oral, obtained by Creditor from or with respect to any Applicant herein, and/or for the purposes of extension or review or collection of any credit granted by Creditor and/or any further solicitation by Creditor to any Applicant. In addition, by signing below APPLICANT(S) (EACH, if applicable) ACKNOWLEDGE THAT SAID APPLICANT UNDERSTANDS AND HAS BEEN INFORMED BY CREDITOR THAT THE PURCHASE OF CREDIT LIFE AND/OR CREDIT DISABILITY INSURANCE IS NOT REQUIRED BY CREDITOR TO OBTAIN ANY CREDIT FROM CREDITOR. By signing below, Applicant(s) (each, if applicable) additionally acknowledges that said Applicant understands and has been informed that Creditor must notify Applicant(s) as to the approval or rejection of this application within 30 days and that Applicant(s) can request Creditor's reasons for the action taken and Creditor will retain this application as its property whether or not this application is approved. In addition, Applicant(s), by signing below (each is applicable), consents to Creditor providing any information it may have acquired, herein or from any other source whatsoever, with respect to said Applicant to any individual or entity, where said individual or entity represents to Creditor that the said Applicant has used Creditor, orally in writing, as a reference to obtain credit and/or goods and/or housing and/or services and/or any product whatsoever form said individual or entity.


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