Notices and Disclosures:
NOTICE: A short term loan provides the cash needed to meet an
immediate short-term cash flow problem. It is not a solution for longer
term financial problems for which longer term financing may be more
appropriate. You may want to discuss your financial situation with a
nonprofit financial counseling service in your community. You will be
charged additional fees if you renew the loan.
Arbitration of All Disputes: You and we agree that any and all
claims, disputes or controversies between you and us, any claim by
either of us against the other (or the employees, officers, directors,
agents, servicers or assigns of the other) and any claim arising from or
relating to your application for this loan, regarding this loan or any
other loan you previously or may later obtain from us, this Note, this
agreement to arbitrate all disputes, your agreement not to bring, join
or participate in class actions, regarding collection of the loan,
alleging fraud or misrepresentation, whether under common law or
pursuant to federal, state or local statute, regulation or ordinance,
including disputes regarding the matters subject to arbitration, or
otherwise, shall be resolved by binding individual (and not joint)
arbitration by and under the Code of Procedure of the National
Arbitration Forum ("NAF") in effect at the time the claim is filed. This
agreement to arbitrate all disputes shall apply no matter by whom or
against whom the claim is filed. Rules and forms of the NAF may be
obtained and all claims shall be filed at any NAF office, on the World
Wide Web at www.arb-forum.com, by telephone at 800-474-2371, or at
"National Arbitration Forum, P.O. Box 50191, Minneapolis, Minnesota
55405." Your arbitration fees will be waived by the NAF in the event you
cannot afford to pay them. The cost of a participatory hearing, if one
is held at your or our request, will be paid for solely by us and will
take place at a location near your residence. This arbitration agreement
is made pursuant to a transaction involving interstate commerce. It
shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections
1-16. Judgment upon the award may be entered by any party in any court
having jurisdiction.
NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE
DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES
BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.
Agreement Not To Bring, Join Or Participate In Class Actions: To the
extent permitted by law, you agree that you will not bring, join or
participate in any class action as to any claim, dispute or controversy
you may have against us, our employees, officers, directors, servicers
and assigns. You agree to the entry of injunctive relief to stop such a
lawsuit or to remove you as a participant in the suit. You agree to pay
the attorney's fees and court costs we incur in seeking such relief.
This agreement does not constitute a waiver of any of your rights and
remedies to pursue a claim individually and not as a class action in
binding arbitration as provided above. This agreement not to bring,
join, or participate in class actions is an independent agreement and
shall survive the closing and repayment of the loan for which you are
applying.
By submitting this Application you certify that all of the
information provided above is true, complete and correct and provided to
us for the purpose of inducing us to make the loan for which you are
applying. By submitting below you also agree to the Agreement to
Arbitrate All Disputes and the Agreement Not To Bring, Join Or
Participate in Class Actions. (This Application will be deemed
incomplete and will not be processed by us unless signed by you.)
Note: All information will not be used for any other purpose than
pre-qualifying your loan. Our Online Application is done through a
secure form. By submitting this for you agree to the terms and
conditions of this site.