DEBIT AUTHORIZATION

(FreedomCashLenders)

READ VERY CAREFULLY BEFORE SIGNING. EXECUTION OF THIS DOCUMENT IS NOT REQUIRED TO OBTAIN A LOAN FROM US. PLEASE REFER TO THE TERMS OF THE AGREEMENT TO DETERMINE OTHER REPAYMENT OPTIONS. DEBIT AUTHORIZATION: You hereby voluntarily authorize us, and our successors and assigns, to initiate an automatic credit and debit entry to Your Bank Account as described below: YOUR BANK ACCOUNT INFO:

Name Angel Macias Bank Name WELLS FARGO BANK, N.A. Address 424 West Ramona Terrace Transit ABA Number 121042882 City, State Zip Alhambra, CA 91803

Checking Account

Number

311-***-****

This Debit Authorization is a part of and relates to the Loan Agreement dated 02/06/2024 (the "Loan Agreement"). The words "you",

"your" and "I" mean the borrower who has electronically signed it. The words "we", "us" and "our" mean FreedomCashLenders

("Lender"), a licensed lender of consumer loans and unincorporated economic instrumentality wholly-owned, controlled and regulated by the Big Valley Band of Pomo Indians of the Big Valley Rancheria. You hereby voluntarily authorize us, and our successors and assigns, to initiate automatic credit and debit entries to Your Bank Account in accordance with the Loan Agreement. You agree that we will initiate a credit entry to Your Bank Account for the Amount Financed on or about the disbursement date of your Loan proceeds. You authorize us to make automatic debit payments from your account by both ACH (Automatic Clearing House) or by RCC (Remotely Created Check). RCC debits are also known as demand drafts, telechecks, preauthorized drafts, or paper drafts. You agree that your typed name or other designation mandated by applicable law will constitute your authorized signature fully reflecting your intent to authenticate any such RCC. If you believe we charged your Bank Account in a manner not contemplated by this authorization, then please contact us. You authorize us to vary the amount of any preauthorized payment by RCC as needed to repay amounts owing, as modified by any partial prepayments.

You also authorize us to initiate a debit entry to Your Bank Account for: each payment due on its payment due date, as set forth in the Payment Schedule (provided in the Loan Agreement); and for any accrued Returned Payment (NSF) charges or Late Payment Fees, as described in the Loan Agreement. You agree that we may re-initiate a debit entry for the same amount two additional times if the debit entry is dishonored or payment is returned for any reason. The Debit Authorizations set forth in the Loan Agreement are to remain in full force and affect for this transaction until your indebtedness to us for the Total of Payments, plus any other charges or fees incurred and described in the Loan Agreement, is fully satisfied or revoked by you pursuant to this Authorization. You may only revoke the above authorizations by contacting us directly at ad3ou8@r.postjobfree.com. If you revoke your authorization, you agree to provide us with another form of payment acceptable to us and you authorize us to prepare and submit one or more checks drawn on Your Bank Account so long as amounts are owed to us under the Loan Agreement. You agree, upon request, to furnish us with full details regarding any debit cards which you possess, and authorize us to use such debit cards to debit you with any amounts owed to us under this Loan Agreement.

If a payment is returned unpaid, you authorize us to make a one-time debit entry from Your Bank Account to collect a fee of $20.00. You voluntarily authorize us, and our successor and assigns, to initiate a debit entry to Your Bank Account for payment of this fee. You further authorize us to initiate debit entries as necessary to recoup the outstanding loan balance whenever a debit transaction is returned to us for any reason. You understand and agree that this Debit Authorization is provided for your convenience, and that you have authorized repayment of your loan by ACH or RCC debits voluntarily. You agree that you may repay your indebtedness through other means, including by providing timely payment via cashiers check or money order directed to: FreedomCashLenders, P.O. Box 637, Finley, CA 95453. Payments must be received before the payment due date. You authorize us to verify all of the information that you have provided, including past and/or current information. You agree that the Debit Authorization herein is for repayment of an installment loan and that these entries will appear as described in the Agreement. If there is any missing or erroneous information in this authorization regarding your bank, bank routing and transit number, or account number, then you authorize us to verify and correct such information. Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: Call us at 1-877-***-****, or write us at P.O. Box 637, Finley, CA 95453, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. You have the right to receive notice of all transfers varying in amount from the range specified below. You acknowledge that we elected to offer you a specified range of amounts for the recurring electronic debiting (in lieu of providing the notice of transfers in varying amount). The amount of any ACH debit will range from (i) the payment amount provided in this Agreement (which may be less than a scheduled payment if partial prepayments have been made), to (ii) an amount equal to the scheduled payment plus as applicable, any returned payment charges and/or any late charges you may owe under the Loan Agreement. For any recurring electronic debit outside of this specified range, we will send you a notice. Therefore, by agreeing to the terms of this ACH Credit and Debit Authorization you choose to only receive notice when a recurring electronic debit amount exceeds the range specified. Signature:Angel Macias Date:2/5/2024

FreedomCashLenders

PROMISSORY NOTE AND DISCLOSURE STATEMENT LOAN AGREEMENT Account No. 311-***-****

LENDER: FreedomCashLenders

P.O. Box 637

Finley, CA 95453

PHONE: 1-877-***-****

Effective Date: 02/06/2024

BORROWER: Angel Macias

424 West Ramona Terrace

Alhambra, CA 91803

PHONE: 626-***-****

EMAIL: ad3ou8@r.postjobfree.com

FEDERAL TRUTH IN LENDING DISCLOSURES

ANNUAL PERCENTAGE

RATE

The cost of your credit as a

yearly rate

780.00%

FINANCE CHARGE

The dollar amount the credit

will cost me

$2514.69

Amount Financed

The amount of credit

provided to me

$600.00

Total of Payments

The amount I will have paid

after all payments are made

as scheduled

$3114.69

PAYMENT SCHEDULE

Your Payment Schedule will be:

No. of Payments Amount of Payments When Payments are Due 1 $27.32 2/8/2024

2/22/2024

3/7/2024

3/21/2024

4/4/2024

17 $181.61

4/18/2024

5/2/2024

5/16/2024

5/30/2024

6/13/2024

6/27/2024

7/11/2024

7/25/2024

8/8/2024

8/22/2024

9/5/2024

9/19/2024

10/3/2024

Late Charge:If Your payment is more than ten (10) calendar days late, You will be charged a fee of 5% of the amount of the overdue payment.

Prepayment: If You pay off early, You will not be charged a penalty. Security: If you have chosen to receive and make payments from your Bank Account via ACH or debit, your authorization to draw funds from your Bank Account is security for this loan. This disclosure of our security interest is made for Truth in Lending purposes only because neither Tribal law nor federal law clearly addresses whether our interest is a security interest. See the terms of the Loan Agreement below for any additional information about nonpayment, default, any required repayment in full before the scheduled payment date.

ITEMIZATION OF AMOUNT FINANCED

In this Promissory Note & Disclosure Statement ("Note"), the words "We," "Us," "Our" and Lender refer to FreedomCashLenders a licensed lender of consumer loans and unincorporated economic instrumentality wholly-owned, controlled and regulated by the Big Valley Band of Pomo Indians of the Big Valley Rancheria. The words "You" and "Your" refer to the person electronically signing this note and referred to as "Borrower" above.

The Truth-in-Lending Disclosures above are part of the terms and conditions of Our Agreement. FOR VALUE RECEIVED, You promise to pay to the order of FreedomCashLenders the sum of $3114.69, together with interest calculated at 780.00% per annum and any outstanding charges or late fees, until the full amount of this note is paid. You promise to pay us each payment due no later than the Payment Due Date set forth above. Payments may be made via Debit Authorization (provided below) or sent to us in the form of a money order of certified check to:

P.O. Box 637

Finley, CA 95453

SPECIAL NOTICES:

YOUR LOAN IS AN EXPENSIVE FORM OF BORROWING AND ADDITIONAL FEES AND INTEREST MAY ACCRUE IF THE LOAN IS ROLLED OVER OR REFINANCED.

YOU CAN SAVE FINANCE CHARGES BY PAYING OFF YOUR LOAN EARLY EITHER IN PART OR IN FULL. YOUR LOAN IS DESIGNED TO ASSIST YOU IN MEETING YOUR SHORT-TERM CASH NEEDS. IT IS NOT A SOLUTION FOR LONGER TERM FINANCIAL PROBLEMS.

CREDIT COUNSELING SERVICES ARE AVAILABLE TO CONSUMERS EXPERIENCING FINANCIAL PROBLEMS. Your Promise to Pay: You promise to pay us the Amount Financed and finance charges according to the payment schedule in the Truth in Lending Disclosures at the beginning of this Loan Agreement plus all other amounts owed to us under this Loan Agreement. You agree that your finance charges will be calculated at the Annual Percentage Rate in the Truth in Lending Disclosures. You will pay us as you chose in your Payment Choice Authorization. All payments will be applied first to finance charges and fees and then to principal. If you prepay all or part of the principal amount due on your loan, your finance charges on the amount prepaid will be calculated as of the date the payment is made.

Right to Verify Information and Cancel Funding: We reserve the right to verify the accuracy of all information provided by the Borrower in connection with this Loan Agreement. We also reserve the right to determine in our sole discretion whether a Borrower is using, or has used, the application process and data submitted with the application illegally or for purposes of fraud or deception, or otherwise in a manner inconsistent with the Terms and Conditions or any agreement between Lender and such user. We may conduct our review at any time before the funding of a loan. You agree to respond promptly to our requests for information in connection with any such review by us. We reserve the right to cancel your application and Loan Agreement if we determine, in our sole discretion, that you have failed to respond to our requests for information in a timely manner in connection with our verification process. In the event we determine, prior to funding a loan, that the information submitted contains materially inaccurate information (including but not limited to inaccuracies related to the borrower's income, residence or creditworthiness, bank account being in good standing and consistent with our underwriting requirements, whether or not due to changes in circumstance) or was submitted illegally, for purposes of fraud or deception, or otherwise in a manner inconsistent with the Lenders Terms and Conditions, or was generated in error or is otherwise inconsistent with the applicable credit policy and criteria, we may refuse to accept the Loan Agreement and cancel any scheduled funding of the loan.

Prior to funding a loan, we may conduct a "pre-funding" review of the Borrowers application and any supporting data related to the borrower. We may, at any time and in our sole discretion, delay funding of a loan (i) in order to enable us to verify the accuracy of information provided by borrower, in connection with the application or lender commitments made with respect to the funding; (ii) to determine whether there are any irregularities with respect to the application or the commitments; or (iii) if we become aware of information concerning the borrower application during our pre-funding review, as a result of which we determine, in our sole discretion, that the likelihood of the borrower not making payments on the loan is materially greater than what would be expected based on the initial underwriting review. We may cancel or proceed with funding the loan, depending on the results of our pre-funding review. You specifically authorize us to use the information you provided us, including your social security number and/or bank account number, to verify information in your Bank Account through telephone-initiated bank records. If funding is cancelled, the application will be denied and all lender commitments will be cancelled. In the event we cancel funding of a loan, we will notify the borrower of such cancellation. Proceeds of this loan will be directly deposited into the Bank Account identified on your Debit Authorization (if you have selected that option) or mailed to you via first class mail at the address provided in your application if your payments are not automatically debited via the Debit Authorization. You hereby authorize Us and Our agents to initiate a deposit to Your Bank Account to disburse the proceeds of this Loan, if you have executed a Debit Authorization. If your loan is approved and you have elected to sign the Debit Authorization provided in this Agreement, we will use commercially reasonable efforts to effect a credit entry by depositing the proceeds from the Agreement into the bank account listed on the Debit Authorization on the disbursement date, which is usually the next business day after the day you sign this Agreement. The Annual Percentage Rate on your loan will be calculated as of the disbursement date. Unavoidable delays as a result of bank holidays, the processing schedule of your individual bank, the untimely receipt of information we request to underwrite your loan, inadvertent processing errors, acts of God and/or acts of terror may extend the time for deposit. You understand that Your payments will be applied first to any outstanding charges or late fees, then to earned interest and finally to principal. The payment schedule described above may change in the event You do not make all payments as scheduled. You understand that You may prepay all or any of the principal amount without penalty. You understand that You will be subject to a fee of $20.00 if any payment You make is returned or refused for any reason. You understand that if You fail to make any payment due hereunder, Lender shall have the right, after a 30 day grace period, to declare this Note to be immediately due and payable.

You agree that all payments not made within (10) ten days of the due date shall be subject to a late fee of 5% of the payment amount. Lender may delay or forego enforcing any of its rights or remedies under this Note without losing them. CHECK CONVERSION NOTIFICATION: If you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic funds transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. ASSIGNMENT: This Loan Agreement may not be assigned by you. We may assign or transfer this Loan Agreement and our related rights and obligations without notice to you and your consent is not required if we make such an assignment or transfer. DEFAULT; ACCELERATION & REMEDIES: You will be in default under this Agreement if you do not pay us a scheduled payment or any other amounts you owe us when due or your chosen payment method is stopped, denied or otherwise dishonored. In the event of a default, we may require immediate payment in full of all sums due under this Loan Agreement to the maximum extent allowable by Governing Law. If you are in default and you authorized debits from Your Bank Account, we reserve the right to debit Your Bank Account or debit card, as applicable, in an amount that represents payment in full of the amount that you owe us at time of default. Additionally, if you do not cooperate with us on repaying your debt to us, we may submit your name to a collection agency and we may also report the incident to a consumer reporting agency database. This may negatively impact your ability to write checks or to receive loans or advances from other companies. We otherwise retain our right to pursue all legally available means to collect on what you owe us.

CONSUMER REPORTS: You authorize us to obtain consumer reports about you now or in the future as long as you owe us money under this Loan Agreement.

CREDIT REPORTING: We may report information about your Loan to credit bureaus. Late payments, missed payments, or other things you do may be reflected on your credit report. RIGHT TO CANCEL: YOU MAY CANCEL THIS LOAN, WITHOUT COST TO YOU OR FURTHER OBLIGATION TO US, BY TELEPHONING TOLL-FREE 1-877-***-**** BY 5:00 P.M. PACIFIC TIME ON THE FIRST BANKING DAY AFTER THE EFFECTIVE DATE. YOU CAN CANCEL ONLY IF YOU SEND US BACK THE MONEY FROM THE LOAN WE PUT IN YOUR BANK ACCOUNT, RETURN THE LOAN PROCEEDS CHECK MAILED TO YOU OR WE ARE ABLE TO WITHDRAW THE AMOUNT OF YOUR LOAN FROM YOUR BANK ACCOUNT.

BORROWER'S BANK CHARGES: You will not hold us or our agents responsible for any fees you must pay as a result of any check or withdrawal request being presented at your bank in connection with this Agreement. ELECTRONIC NOTE: This Note is in original format an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations, and the one, true original Note is retained electronically by Lender. All other versions hereof, whether electronic or in tangible format, constitute facsimiles or reproductions only. GOVERNING LAW. The laws of the Tribe and federal law, as applicable, will govern this Loan Agreement, without regard to the laws of any state or other jurisdiction, including the conflict of laws rules of any state. You agree to be bound by Tribal and federal law, and in the event of a bona fide dispute between you and us, Tribal law and applicable federal law shall exclusively apply to such dispute. This Loan Agreement does not prospectively waive any of your statutory rights under applicable federal law. SOVEREIGN IMMUNITY: This Loan Agreement and all related documents are being submitted by you to us as an economic arm, instrumentality, and wholly-owned and operated business of the Tribe. The Tribe is a federally-recognized American Indian Tribe and enjoys governmental sovereign immunity. Because we and the Tribe are entitled to sovereign immunity, you will be limited as to what claims, if any, you may be able to assert against the Tribe and us. To encourage resolution of consumer complaints, any complaint may be submitted by you or on your behalf to the Tribe for review as described below under the Agreement to Arbitrate below. PRESERVATION OF SOVEREIGN IMMUNITY: It is the express intention of the Tribe and us operating as an economic arm of the Tribe, to fully preserve, and not waive either in whole or in part, exclusive jurisdiction, sovereign governmental immunity, and any other rights, titles, privileges, and immunities, to which we and the Tribe are entitled. To protect and preserve the rights of the parties, no person may assume a waiver of sovereign immunity. No waiver is or can be made except by express written declaration of the Tribe’s governing body specifically authorizing a waiver for the matter in question. No such waiver has been made with respect to either your Loan Agreement or your Payment Choice Authorization. TRIBAL HOTLINE: If you have already contacted Customer Service in an attempt to resolve an issue or concern and still need additional assistance, please contact Tribal Consumer Financial Services at 1-855-***-**** between the hours of 9 am and 5 pm Pacific Time.

WAIVER OF CLASS ACTIONS, REPRESENTATIVE ACTIONS, AND JURY TRIAL: Class actions, other similar representative procedures and consolidation of claims are NOT available under your Loan Agreement. You understand and agree that you may not serve as a representative, as a private attorney general, or in any other representative capacity, nor participate as a member of a class of claimants in any proceeding with respect to any Dispute, as that term is defined below. Further, you understand and agree that (i) you may not join your Dispute with others, (ii) you must resolve your Dispute(s) separately, and (iii) you will not assert or claim any right to a jury trial.

AGREEMENT TO ARBITRATE

PLEASE READ CAREFULLY THIS AGREEMENT TO ARBITRATE. UNLESS YOU EXERCISE YOUR RIGHT TO OPT-OUT OF ARBITRATION AS DESCRIBED HEREIN, YOU AGREE THAT ANY DISPUTE YOU HAVE RELATED TO THIS AGREEMENT WILL BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACE THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO HAVE JURY, TO ENGAGE IN DISCOVERY (EXCEPT AS MAY BE PROVIDED IN THE ARBITRATION RULES), AND TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS OR IN ANY CONSOLIDATED ARBITRATION PROCEEDING OR AS PRIVATE ATTORNEY GENERAL. OTHER RIGHTS THAT YOU WOULD HAVE HAD IF YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN ARBITRATION. Right to Opt Out. If you do not agree to arbitrate all Disputes (as defined herein) in accordance with the terms and conditions of this arbitration agreement (“Agreement to Arbitrate”) you may advise us in writing either by (a) mailing a letter to Freedom Cash Lenders, P.O. Box 637, Finley, CA 95435, no later than thirty (30) days following the date of this Agreement. Your opt-out correspondence must clearly print or type your name, Loan Number and state that you reject arbitration. Your rejection of arbitration will not be effective if it is not in writing or is dated later than thirty (30) days following the date of this Loan Agreement. It is not sufficient to telephone us. In the event you opt out of the Agreement to Arbitrate, any Disputes shall nonetheless be governed under Tribal Law and applicable federal law—not the law of your state—and must be brought within the Tribal Dispute Resolution Procedure adopted by the Tribe’s Consumer Financial Services Regulatory Authority, which may be obtained by contacting the Regulatory Authority at [INSERT CONTACT INFORMATION].

Agreement to Arbitrate. Before providing us a Notice of Dispute (defined below) and initiating arbitration, you agree to first submit your Dispute (defined below) informally to our customer service by contacting us at Freedom Cash Lenders, PO Box 637, Finley, CA 95435. Upon receipt of such correspondence, we will gather sufficient facts regarding your issue and inform you of our determination as soon as reasonably practicable. Should our determination not resolve the Dispute, you and we agree that the Dispute will be resolved in arbitration.What Arbitration Is. “Arbitration” is having an independent third party resolve a Dispute, as defined below. The parties in arbitration waive any right to trial before a court and a jury and agree, instead, to submit their Dispute to the neutral third party

(the arbitrator) for a binding decision. Each party to the Dispute has an opportunity to present evidence to the arbitrator. Arbitration proceedings are private and less formal than trial in court. Discovery processes may be limited or unavailable. The arbitrator will issue a final and binding decision resolving the Dispute, which may be enforced in court as a judgment. Delegation of All Disputes. A “Dispute” is any claim or controversy of any kind between you and us or otherwise involving this Agreement or the Loan. The term Dispute is to be given its broadest possible meaning and includes, without limitation, all federal, state or Tribal Law claims or demands (whether past, present, or future), based on any legal or equitable theory and regardless of the type of relief sought (i.e., money, injunctive relief, or declaratory relief). A Dispute includes any issue concerning the validity, enforceability, or scope of this Agreement or this Agreement to Arbitrate. How Arbitration Works. If a Dispute arises, the party asserting the claim or demand must initiate arbitration, provided you and we cannot first resolve the issue informally or through customary business methods. A party who intends to seek arbitration must first send to the other a Notice of Dispute (“Notice”). You may send the Notice to us at Freedom Cash Lenders, PO Box 637, Finley, CA 95435. The Notice must (a) have the subject heading “Notice of Dispute”; (b) describe the nature and basis of the claim or Dispute; and (c) set forth the specific relief sought (Demand). If you and we do not resolve the claim within thirty (30) days after the Notice is received, you or we may commence an arbitration proceeding. The party requesting arbitration must choose either of the following arbitration firms for initiating and conducting arbitration: the American Arbitration Association (“AAA”) or JAMS, The Resolution Experts (“JAMS”). If you claim you have a Dispute with us, but do not initiate arbitration or select an arbitration firm, we may do so. You may obtain copies of the current rules of each of the arbitration firms and forms and instructions for initiating arbitration by contacting them as follows: American Arbitration Association JAMS, The Resolution Experts 335 Madison Ave., Floor 10 1920 Main St., Suite 300 New York, NY 10017-4605 Irvine, CA 92614

Website: adr.org Website: jamsadr.org

Telephone: 800-***-**** Telephone: 800-***-**** The policies and procedures of the selected arbitration firm applicable to consumer transactions will apply provided such policies and procedures do not contradict this Agreement to Arbitrate, applicable federal law or Tribal Law. To the extent the arbitration firm’s policies or procedures are different than the terms of this Agreement to Arbitrate, the terms of this Agreement to Arbitrate will apply, so long as the differences are consistent with applicable federal or Tribal laws. What Arbitration Costs. No matter which party initiates the arbitration, we will advance or reimburse filing fees and other costs or fees of arbitration for all non-frivolous claims, provided each party will be initially responsible for its own attorneys’ fees and related costs. Unless prohibited by Tribal Law or applicable federal law, the arbitrator may award fees, costs, and reasonable attorneys’ fees to you if you substantially prevail in the arbitration.

Location of Arbitration. Any arbitration under this Agreement to Arbitrate may be conducted either on Tribal land or within thirty (30) miles of your current residence, at your choice, provided that this accommodation for you shall not be construed in any way (a) as a relinquishment or waiver of the sovereign status or immunity of us or the Tribe; (b) to allow for the application of any law other than Tribal Law and applicable federal law; or (c) to constitute a transaction of business in any place other than the Tribe’s Tribal lands. Any party may participate in arbitration exclusively by telephonic or other electronic means. Waiver of Certain Rights. By entering into this Agreement to Arbitrate, you acknowledge and agree that you are waiving your right to

(a) have a jury trial to resolve Disputes; (b) have a court resolve Disputes; (c) participate in a class action lawsuit or private attorney general action; and (d) have access to discovery and other procedures that are available in a lawsuit. The arbitrator has the ability to award all remedies available under Tribal Law and applicable federal law, whether at law or in equity, to the prevailing party, except that you and we agree that the arbitrator has no authority to conduct class-wide proceedings and will be restricted to resolving individual Disputes. The arbitrator may award such remedies only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. Further, unless both you and we agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding. If the arbitrator refuses to enforce the class-wide arbitration waiver, the Parties agree that the Dispute will proceed pursuant to the Tribal Dispute Resolution Procedure set forth in this Agreement, not as a class action lawsuit. As an integral component of accepting this Agreement, you irrevocably consent to the Tribe’s jurisdiction for the purposes of this Agreement.

,strong>Applicable Law and Judicial Review. The arbitrator shall apply Tribal Law, applicable federal law, and the terms of this Agreement, including this Agreement to Arbitrate and the waivers included herein. 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, motion for summary judgment, or similar dispositive motions. The arbitrator shall make written findings and the arbitrator’s award shall be supported by substantial evidence and must be consistent with this Agreement, Tribal Law, and applicable federal law. Unless you and we agree otherwise, during the arbitration, the amount of any settlement offer made by us or you shall not be disclosed to the arbitrator. Non-Waiver of Federal Statutory Rights. You acknowledge and understand that by entering into this

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