Terms & Conditions
Notice: A Consumer Loan provides the cash needed to meet your immediate 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.
AGREEMENT TO ARBITRATE ALL DISPUTES: By signing below and to induce us, EZ LOANS to
process your application for a Consumer Loan, you and we agree that any and all claims, disputes
or controversies that we or our servicers or agents have against you or that you have against us, our servicers, agents, directors, officers and
employees, that arise out of your application for one or more Consumer Loans, the Consumer Loan
Agreements that govern your repayment obligations, the Consumer Loan for which you are applying or
any other Consumer Loan we previously made or later make to you, this Agreement To Arbitrate
All Disputes, collection of the Consumer Loan or Consumer Loans,
or alleging fraud or misrepresentation, whether under the common law or pursuant to federal or state statute or regulation, or otherwise,
including disputes as to the matters subject to arbitration, shall be resolved by binding individual (and not class) 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, or at "National Arbitration Forum, P.O. Box 50191, Minneapolis,
Minnesota 55405-0191." If you are unable to pay the costs of arbitration, your arbitration fees may be waived by the NAF. The cost of a
participatory hearing, if one is held at your or our request, will be paid for solely by us if the amount of the claim is $15,000 or less.
Unless otherwise ordered by the arbitrator, you and we agree to equally share the costs of a participatory hearing if the claim is for more
than $15,000 or less than $75,000. Any participatory hearing 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. This Agreement To Arbitrate All Disputes is an independent
agreement and shall survive the closing, funding, repayment and/or default of the Consumer Loan for
which you are applying.
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, by signing below 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 or our agents, servicers, directors, officers
and employees. 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
costs we incur, including our court costs and attorney's fees, in seeking such relief. This agreement is not 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 action suits is an independent agreement and shall survive the closing, funding, repayment and/or default of the
Consumer Loan for which you are applying.