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TERMS AND CONDITIONS OF WEBSITE USE

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCESSING THE WEBSITE. THIS AGREEMENT CONTAINS THE TERMS UNDER WHICH YOU MAY USE THIS WEBSITE. BY USING THIS WEBSITE, YOU AGREE TO BE BOUND WITHOUT LIMITATION OR QUALIFICATION BY THESE TERMS JUST AS IF YOU HAD SIGNED THIS AGREEMENT. IF YOU DO NOT AGREE TO BE BOUND BY THIS AGREEMENT, PLEASE DISCONTINUE YOUR USE OF THIS WEBSITE.

Modification to this Agreement

This Website (the “Website”) is owned and operated by ShortTermCashAdvance.com (the “Lender” , “us” or “we”), and your use of the Website is governed by theses Terms and Conditions of Website Use (“Agreement”). Lender reserves the right to modify this Agreement by adding or deleting terms, or by changing or modifying existing terms, including without any limitation the Privacy Policy, at any time without further notice. Such modifications will be effective upon posting on the Website, and your subsequent use of the Website will constitute your acceptance of the modifications. Please be advised that you should periodically review this page for any subsequent modifications.

Privacy Your loan application shall be governed by the ShortTermCashAdvance.com Privacy Policy

Changes to Privacy Policy

We reserve the right to change our privacy policy in accordance with applicable law. If we change our policy we will notify you in a manner and time frame provided for by law.

Electronic Disclosure and Consent Agreement

If you are submitting an application to Lender, through this website, in order to process this application, you must agree to receive certain disclosures and documents in electronic form online. This Electronic Disclosure and Consent Agreement applies to this application and future communications we may provide to you during the process of your applying for or us servicing your account. By submitting your application, you hereby agree to receive all such disclosures and documents in electronic form or online in accordance with this document (“your Consent”). You may withdraw your Consent prior to submitting your application by exiting the application page or by closing the Website. However, you will not be able to submit your application if you withdraw your Consent by exiting the Website. In addition, because we are required to provide you with certain disclosures and documents prior to extending an offer to you, except as described below, you cannot withdraw your Consent after the submission of your application.

To access, view and retain the documents that we make available to you in electronic form, you must have the following hardware and software (we have included our recommended hardware and system requirements):

You consent to receive any disclosures or documents in electronic format unless you withdraw your Consent by not submitting your application.

All disclosures or documents that we provide to you in electronic format will be provided either (i) via email, (ii) by access to a secure website which will be provided to you in an email notice we send to you when the documents are available, or (iii) by posting on a secure website that we designate for that purpose.

All documents provided in electronic or paper format from us to you will be considered “in writing.” You should print a copy of the Account Documents for your records by using the “print” button in your browser or download the Account Document to your desktop.

You are required to provide us with an accurate and complete email address and other information related to your account and to maintain and update any changes to the information promptly. You can update information by logging into your account.

You may obtain paper copies of any disclosures or documents by printing them yourself from our Website, without charge. At your request, we will provide you with a paper copy of any disclosures or documents (to the extent we maintain the ability to print such paper copies) at no cost. Contact us by email on our website by clicking on “Contact Us” and list the disclosures and documents by name that you wish to have provided as copies in paper form. The email must include your name, account number and a contact number where we can reach you should we have any questions regarding your request. Your email must also include an address or fax number where you can receive the paper copies of disclosures and documents. Please allow up to 14 days to process your request.

We reserve the right, in our sole discretion, to discontinue electronic provision of documents. We will provide you with notice of any such termination or change as required by law.

You agree and we both intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) this Consent to receive documents in electronic form, (ii) your Agreement, and (iii) our ability to conduct business with you by electronic means.

To facilitate electronic commerce, to preserve natural resources, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically, and that we will not retain and have no obligation to retain any original or electronic documents for any period of time beyond the regulatory requirements. This applies to all disclosures and documents including but not limited to checks, transaction records, notes, applications, faxes, email correspondence and other loan papers. You further acknowledge and understand that we routinely destroy all original and electronic documents in accordance with our regular business practices, but not before a period of time designated by regulatory requirements.

By completing and submitting your application, you (i) confirm that you agree that you shall be bound by the laws Nevis, Indies, (ii)confirm your Consent to receive disclosures and documents in electronic format, (iii) affirmatively demonstrate your ability to access the documents in electronic form, (iv) confirm that you have provided a current email address to which we can send electronic documents, (v) acknowledge that you have accessed this Electronic Consent and Disclosure Agreement, and (vi) agree to the terms of this Consent.

Withdrawing Your Consent

You are free to withdraw your Consent at any time and at no charge to you. If at any time you wish to withdraw your Consent, you may do so by sending us your request in writing by emailing us using the “Contact Us” link on our website or calling us at 1-855-PAYDAY-8. If you decide to withdraw your Consent, the legal effectiveness, validity and/or enforceability of prior electronic records will not be affected.

Application Verification

You give Lender, its services and or agents consent to obtain information about you from a consumer reporting agency, or other means available including but not limited to CL Verify Solutions, IDology and DataX. You agree to and authorize such a search. You understand ShortTermCashAdvance.com may not fund your loan if it cannot successfully verify all of your application information.

Agreement

You certify that the information supplied by you on this website to be true and correct. You authorize Lender or its services or agents to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or related to any such contacts. False information submitted on this website shall be sufficient reason for denial of your request.

Accuracy of Account Your Information

We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We strive to maintain complete and accurate information about you. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any information deemed to be inaccurate.

Our Security Procedures

We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard your non-public, personal information. We use Secure Socket Layer (SSL) technology to prevent unauthorized parties from viewing any personal information you transmit to us. We continually assess new technology for protecting information. We continually strive to ensure that our operational and data processing systems are in a secure environment that protects your account information from being accessed by unauthorized parties.

Additional Security Precautions

You also have a significant role in protecting your information. No one can see or edit your information without knowing your login information. Do not share this with others. If you use this site you are responsible for maintaining the confidentiality of your account, password and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.

Children and the internet

We do not specifically intend to collect information from children (under 13 years old). You must be 18 years old to obtain a loan from Lender. We believe that children should get their parents’ consent before giving out personal information. If you discover your child has used our site against your wishes, contact us and we will remove your child’s information from our records. If you are concerned about your child’s use of our site, we encourage you to use website filtering technology to supervise your child’s access to that site.

Credit Reporting Disclosure

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Cookies

INFORMATION COLLECTED AUTOMATICALLY Our website may employ the use of cookies and other technologies to collect information from your computer and about your activities on our site. A cookie is a piece of data stored on your hard drive containing information about you; it is neither spyware nor a virus. When you visit our Website, we may assign your computer one or more cookies, to help customize your access to our Website and to record information about your visit to our Website.

The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can modify your browser settings to decline cookies. In the case that you choose to reject cookies, you may still use our Website. The drawback of doing this is that it will limit the use of some of our interactive features offered on our Website.

In addition to cookies, our Website pages and/or emails may contain electronic images known as pixel tags (also known as clear gifs) to track the pages that visitors and/or users visit at the Website for purposes of formatting future campaigns and upgrading visitor information used in reporting statistics. Our Website may contain pixel tags placed there by third parties to help determine the effectiveness of a joint promotional or advertising campaign.

Participating Lenders

In certain circumstances, whether related to underwriting, due diligence, law, or other circumstance or event, Lender may provide your application data to other potential lenders in order to help you get the loan for which you applied. In that event Lender will send your application to prospective lenders participating in Lender’s direct network of consumer loan lenders (“participating lenders”). Your application will contain information provided by you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information, and employment information. Lender’s collection and use of this information is subject to this site’s Privacy Policy. In order to use this web site or the service, you must agree to the separate terms and conditions set forth in the Privacy Policy, which are incorporated herein by reference.

Indemnity

As a condition of using this web site and/or the services offered herein, you agree to indemnify Lender and its participating lenders from and against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.

Links to Third Parties

This web site may contain links to other web sites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. Lender does not operate or control in any respect any information, software, products or services available on such third party sites. Lender’s inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

Security

Lender takes reasonable measures to ensure the security of the Website. However, no website can be guaranteed 100% secure and Lender will not be held liable for any unauthorized alterations in the content or functionality of the Website. Please refer to the Website’s Privacy Policy for additional information on measures and technology used to secure this Website.

Notices

We may notify our users by placing a general notice on this Website, by email to a user’s email address on our records, or by written communication sent by first class mail to a user’s address on our records.

Disclaimers and Limitations

THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS.” LENDER EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. LENDER MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THIS WEB SITE AND/OR LENDER’S SERVICES IS AT YOUR OWN RISK. LENDER AND/OR ITS PARTICIPATING LENDERS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE AND/OR LENDER’S SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF LENDER OR ITS PARTICIPATING LENDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF LENDER, ITS PARTICIPATING LENDERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. TEXT MESSAGING (SMS) Terms and Conditions These Terms and Conditions apply to each Loan you have with us for which you have elected to receive text messages on your mobile telephone with the number you have provided to us which are also called Short Message Service (SMS) messages. 1. As used in this Disclosure, “SMS Statement Notifications” means any SMS (text message) communication from us to you pertaining to your Loan, including, but not limited to, payment information, account information, due dates, delinquent accounts, program updates, promotions, coupons and other marketing messages. 2. How to UNSUBSCRIBE. You may withdraw your consent to receive SMS Statement Notifications by emailing us at support@shorttermcashadvance.com or you may call us at 1-855-PAYDAY-8. At our option, we may treat your provision of an invalid mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of your consent to receive SMS Statement Notifications. We will not impose any fee to process the withdrawal of your consent to receive SMS Statement Notifications. Any withdrawal of your consent to use SMS Statement Notifications will be effective only after we have a reasonable period of time to process your withdrawal. 3. For HELP on Services. To request additional information, email us at support@shorttermcashadvance.com or contact us by telephone at 1-855-PAYDAY-8. 4. How to Update Your Records. It is your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. You can update your mobile number by calling our Customer Service Center at 1-855-PAYDAY-8. 5. Service Availability. The services are available on the following carriers: AT&T, Verizon Wireless,T-Mobile, Sprint, Nextel, Dobson, U.S. Cellular, and Virgin Mobile. Additional carriers are added as they become available. 6. Hardware and Software Requirements. To access, view, and retain SMS Statement Notifications that we make available to you, you must have: An SMS-capable mobile phone; An active mobile phone account with a communication service provider; Sufficient storage capacity on your mobile phone. 7. Communications in Writing. All SMS Statement Notifications in electronic format from us to you will be considered “in writing.” 8. CHARGES. There is no service fee for SMS Statement Notifications but you are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communication service provider. Other charges may apply. Such charges may include those from your communication service provider. Please consult your mobile service carrier’s pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your phone bill. Message frequency depends on account settings. 9. Other Important Terms. Additionally, you agree that we may send any SMS Statement Notifications through your communication service provider to deliver them to you and that your communication service provider is acting as your agent in this capacity. You agree to provide a valid mobile phone number for these services so that we may send you certain information about your Loan. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. SMS Statement Notifications are provided for your convenience and do not replace your Account statement(s), which are the official record of your Loan. Receipt of each SMS Statement Notifications may be delayed or impacted by factor(s) pertaining to your communication service provider(s). We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the SMS Statement Notifications sent by us. 10. Changes in Terms and Conditions and SMS Text Messaging. We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you, any other user or a third party. We reserve the right to modify these Terms and Conditions from time to time without notice. Please review these Terms and Conditions from time to time so that you are timely notified of any changes. ARBITRATION AND WAIVER OF JURY TRIAL This Agreement includes a binding Waiver of Jury Trial and Arbitration Provision. You may opt out of the Waiver of Jury Trial and Arbitration Provision by following the instructions in paragraph number 2 below. Waiver of Jury Trial and Arbitration Provision. We have retained agents (people who work for us but are not our employees) to help us in originating and servicing your Loan. You agree that any agents retained by us, the operator of the website where you submitted your application, and the purchaser(s) of any interest in your Loan are express third–party beneficiaries of this Waiver of Jury Trial and Arbitration Provision (the “Arbitration Provision”), and are entitled to enforce it to the same extent if they signed this Agreement. 1. FACTS ABOUT ARBITRATION. ARBITRATION IS A PROCESS IN WHICH A PERSON WITH A DISPUTE: (A) WAIVES THEIR RIGHTS TO FILE A LAWSUIT AND PROCEED IN COURT AND 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 DECISION. 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 FINAL AND BINDING DECISION RESOLVING THE DISPUTE, WHICH MAY BE ENFORCED AS A COURT JUDGMENT. A COURT RARELY OVERTURNS AN ARBITRATOR’S DECISION. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: 2. Rejection of Arbitration. I may reject arbitration by sending a notice (“Rejection Notice”) that we receive within three (3) Banking Days after the Origination Date. Any Rejection Notice must be signed by you and must include my name, address, telephone number and Agreement number or date. 3. Where to Send Notice to Reject Arbitration.You must mail my Rejection Notice or send it by messenger service (such as Federal Express) to us Sunsetpayday, c/o Morning Star Holdings Limited, Main Street, P.O. Box 556, Charlestown, Nevis – attn: Arbitration. In the event of any dispute concerning whether you have provided a Rejection Notice within the time permitted, you must provide a signed receipt or a fax confirmation that proves you sent it to us in time. This is the only method you can use to reject this arbitration provision. If the Rejection Notice is sent on your behalf by a third party, such third party must include evidence of his or her authority to submit the Rejection Notice on your behalf. 4. Definitions.The following definitions apply to this arbitration provision: “Administrator” means either the American Arbitration Association or the National Arbitration Forum. Each of these companies maintains an Internet website, publishes pamphlets, and is otherwise available to answer frequently asked questions about arbitration. We encourage you to contact them directly with any questions you may have about them or arbitration. You can contact them at: National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, www.arb-forum.com, (800) 474-2381; American Arbitration Association, 335 Madison Avenue, New York, NY 10017, www.adr.org, (800) 778-7879. “Dispute” and “Disputes” are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to the Loan Agreement (including the Arbitration Provision), the information you gave us before entering into the Loan Agreement, including the Application, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, or affiliated entities (hereinafter collectively referred to as “related third parties”), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) subject to Section 6 below, all claims asserted by you as a private attorney general, as a representative and/or member of a class of persons, and/or in any other representative capacity, against us and/or related third parties (hereinafter referred to as “Representative Claims”); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you. 5. Waiver of Jury Trial and Participation in Class Action. You acknowledge and agree that by entering into this Arbitration Provision: (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 PARTIES; and (c) YOU ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES. 6. No Class Actions. All disputes including any Representative Claims against us and/or related third parties shall be resolved by binding arbitration only. Disputes shall be resolved on an individual basis with you.THEREFORE, THE ARBITRATOR SHALL NOT HAVE THE POWER TO CONDUCT CLASS ARBITRATION OR TO CONSOLIDATE CLAIMS OF MULTIPLE PARTIES; 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. NOT WITHSTANDING ANY OTHER PROVISION HEREIN, THE ARBITRATOR SHALL NOT HAVE THE POWER OR AUTHORITY TO DETERMINE IF THIS SECTION 6 IS VALID AND ENFORCEABLE. ONLY A COURT SHALL HAVE SUCH POWER AND AUTHORITY. 7. Starting the 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. 8. Selection of Arbitrator. Regardless of who demands arbitration, you shall have the right to select either the American Arbitration Association or National Arbitration Forum. Their contact information is above. 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. The party receiving notice of arbitration will respond in writing by certified mail, return receipt requested, within twenty (20) 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 related third parties or we demand arbitration, you must notify us within twenty (20) days in writing by certified mail, return receipt requested, of your decision to select one of the Administrators or your desire to select a local arbitrator. If you fail to notify us, then we have the right to select one of the Administrators. 9. What Rules Apply to the Arbitration. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq. (“FAA”), applicable statutes of limitation, and shall honor claims of privilege recognized at law. The parties to such Dispute will be governed by the rules and procedures of the Administrator selected applicable to consumer disputes to the extent those rules and procedures do not contradict the express terms of this Arbitration Provision, including the limitations on the arbitrator in this Arbitration Provision. You may obtain a copy of the rules and procedures by contacting the arbitration organization listed above. 10. Other Arbitration Rules. In addition to the parties’ rights to obtain discovery pursuant to the applicable arbitration rules, either you or us may submit a written request to the arbitrator to expand the scope of discovery normally allowed under the rules of the Administrator selected. The arbitrator shall have discretion to grant or deny such request. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration, the arbitrator shall not apply any federal rules of civil procedure or evidence. 11. The Decision of the Arbitrator. At the request by you or us, the arbitrator shall provide a written explanation for the award. The arbitrator must approve the explanation. The arbitrator will apply the applicable substantive law relating to the Dispute and award any remedies available as if the Dispute was heard by a court. The arbitrator’s award may be filed with any court having jurisdiction. Regardless of whether the arbitrator renders a decision or an award in your favor resolving the Dispute, you will not be responsible for reimbursing us for your portion of the Arbitration Fees. 12. Location of Arbitration. The arbitration hearing will be conducted in the county of your residence, within 30 miles from such county, or in such other place as shall be ordered by the arbitrator. 13. Payment of Arbitration Fees. If you demand arbitration, then at your request we will advance your portion of the expenses associated with the arbitration, including the filing, administrative, hearing and arbitrator’s fees (collectively the “Arbitration Fees”). If related third parties or we demand arbitration, then at your written request we will advance your portion of the Arbitration Fees. Throughout the arbitration, each party shall bear his or her own attorneys’ fees and expenses, such as witness and expert witness fees provided that if an arbitrator finds in your favor or the law requires it, we will pay your attorney fee and costs. 14. Appeal of Decision. The arbitrator’s decision is final and binding, except for any right of appeal provided by the FAA. However, if the amount of the dispute is greater than $7500, either you or we can appeal the award to a three-arbitrator panel administered by the selected Administrator which shall reconsider any aspect of the initial award requested by the appealing party. 15. Small Claims Tribunal. You and us, including related third parties, shall have the right to go to a small claims court for Disputes within the scope of such court’s jurisdiction. Any Dispute that cannot be brought in a small claims court shall be resolved by binding arbitration. Any appeal of a judgment from a small claims court shall be resolved by binding arbitration. 16. Governing Law. This Agreement shall be governed by and read in accordance with the laws of Charlestown, Nevis excluding its conflicts of laws principles. To the broadest extent possible, any state law claims you may assert against us relating to this Loan Agreement, and any state law claims we may assert against you relating to this Loan Agreement, will be governed by the laws of Charlestown, Nevis regardless of where you may be viewing or accessing this site. The Waiver of Jury Trial and Arbitration Provision shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1–16 (“FAA”) because the transaction evidenced by this Loan Agreement involves interstate commerce. 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 the Arbitration Provision shall be governed by Charlestown, Nevis. 17. Severability. If any part of this Agreement, including any part of the Arbitration Provision is held invalid or unenforceable, such provision will be considered changed to the extent necessary to comply with law, and the validity or enforceability of any other provision will not be affected; provided, however, that if paragraph 6 precluding the arbitrator from conducting a class or consolidated arbitration is deemed invalid or unenforceable, the entire Arbitration Provision shall be deemed void and if class action litigation or a class-wide arbitration is permitted for any reason with respect to any dispute, either party may require that the entire dispute be heard by a judge, sitting without a jury, under applicable court rules and procedures. These Terms constitute the entire agreement between you and Lender. These Terms shall be governed by the laws Charlestown, Nevis without regard to its conflict of law provisions. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by Lender to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Lender may amend these Terms at any time by posting the amended terms on its web site. All amended terms are automatically effective immediately, upon posting.

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