Electronic Record of Contracts

This document was generated as a record of certain contracts created, accepted and stored electronically. Summary of Contracts

This document contains the following contracts.

Title Version ID

1.0 EN 72.0 65d909f54efcde030932eb87

Contract accepted by:

ad4sj8@r.postjobfree.com Signer ID: ad4sj8@r.postjobfree.com Email: ad4sj8@r.postjobfree.com

Date / Time: Mar 19, 2024 at 8:49 PM GMT

IP Address: 73.22.199.27

User Agent: Mozilla/5.0 (iPhone; CPU iPhone OS 17_2_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/17.2 Mobile/15E148 Safari/604.1

Copy of Electronic Original® document managed through the eCore® on Demand (EOD™) Service. This is a copy of an original document held Certified Print® copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. Copy created on Mar. 19, 2024 02:49:31 PM MDT; Document Identifier: T:260-***-****-D:260-***-****. Copy

of

Original

1.0 EN

1.0 EN v72.0 65d909f54efcde030932eb87

RENTAL-PURCHASE AGREEMENT

Lease Company (Lessor):

SNAP RTO LLC

P.O. Box 26561 Salt Lake City, UT 84126

Phone: 877-***-****

Lessee: Valentin Guerrero

734 Illinois Ave Rockford, IL, 61102

Email: ad4sj8@r.postjobfree.com Phone: (815) 298- 1087

Application ID: 24031401VWIL Agreement Date: 03/14/2024 9:04 AM Property Condition: New

Description of goods being rented (the “Property”) further explained in Exhibit A: Transmission AGREEMENT TO RENT WITH OPTION TO PURCHASE. By signing this Rental-Purchase Agreement (the

“Agreement”), the undersigned Customer (“you” and “your”) chooses to rent the Property from the Lease Company (“we,” “us,” and “our”) according to the terms of this Agreement. You are obtaining the possession of the Property from Reliable Auto Care Loves Park (the “Retailer”). We own the Property unless and until you make the payments necessary to acquire ownership. You are renting the Property from us. You agree to obtain only new goods for personal, family or household purposes. IMPORTANT RENTAL-PURCHASE DISCLOSURES – INCLUDING COST AND PAYMENT Processing Fee: $ 0.00

If applicable, the Processing Fee is earned as of

the execution of this Agreement and is not a

payment toward the Cost of Rental. If you did not

pay the Processing Fee at the time you signed

this Agreement, it is included in the Regular

Payments.

Required Initial Rental Payment: $ 0.00

If applicable, the Required Initial Rental Payment covers the period that begins on the date you receive the Property and ends on the due date of the first Regular Payment. If you did not make the Required

Initial Rental Payment at the time you signed this Agreement, it is included in the Regular Payments. Initial Payment Due Today: $ 0.00 This is the sum of the Processing Fee, Required Initial Rental Payment and any additional cash you elect to pay today.

Cash Price: $ 1,700.00

The Property is available at this price for cash

from the Lessor, taking into account any non-

required initial payments you may have made.

This is exclusive of sales tax.

Cost of Rental: $ 2,544.69

This is the amount over Cash Price that you will pay if you pay all required rental payments, plus any

applicable initial payment or processing fee.

Amount of each Regular Payment: $ 108.84

This is your periodic rental payment.

Number and Frequency of Regular Payments: 39

payments payable every other week

Your first Regular Payment date will be at least seven days after the later of (i) 03/14/2024 (the “Expected Delivery Date”), and (ii) the date on which the Property is provided or delivered to you.

Total of Payments: $ 4,244.69

This is the amount you will pay to own the Property if you make all Regular Payments through the end of the Maximum Rental Period. This amount does not include fees permissible under this Agreement, including returned payment fees. You may acquire ownership for less by taking advantage of an early purchase option.This amount is inclusive of sales tax of $ 249.69, which we are collecting on behalf of governmental Copy of Electronic Original® document managed through the eCore® on Demand (EOD™) Service. This is a copy of an original document held Certified Print® copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. Copy created on Mar. 19, 2024 02:49:31 PM MDT; Document Identifier: T:260-***-****-D:260-***-****. Copy

of

Original

1.0 EN

entities.

100 -DAY OPTION PRICE: $ 1,806.25

If you pay the 100 -DAY OPTION PRICE, in addition to any applicable processing or other fees, on or before 100 Days from 03/14/2024 (the “Expected Delivery Date”), you will acquire ownership of the Property for that amount.

After such date, the “Early Buy-Out Option” applies, and you may purchase the Property by paying us, in addition to amounts paid to date, the sum of (1) any past due and unpaid Regular Payments, initial payments and fees, plus (2) 70% of the amount by which the Total Cost exceeds all initial payments, if any, and scheduled Regular Payments through the date you exercise your option. Minimum Rental Period; Your Right to Terminate:

There is no minimum rental period. You may

terminate the rental of Property under this

Agreement at any time without penalty by giving us written notice that you desire to terminate the

rental and by returning or surrendering the

Property to us.

Maximum Rental Period: 18 months

The Maximum Rental Period is the duration of the

Agreement if all regularly scheduled payments are

made. If you make all such payments and pay all fees that come due during this period, you will acquire ownership of the Property at the end of the Maximum Rental Period.

By signing, you agree that you received a legible copy of this Agreement. You agree to the terms of this Agreement, which includes without limitation the Additional Agreement Terms (including the Electronic Payment Authorization and the Customer Communications and Recordings sections, the Arbitration Clause set forth in Exhibit B, and the other terms, conditions and Exhibits referenced herein or attached hereto).

Customer Signature:

Digitally Signed By Valentin Guerrero

Customer Email ad4sj8@r.postjobfree.com

From Browser Mozilla/5.0 (iPhone; CPU iPhone OS 17_2_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/17.2 Mobile/15E148 Safari/604.1

Client IP Address 73.22.199.27

Signed Date and Time 2024-03-19 14:49:27.404055227 The Lease Company's authorized signature indicates the Lease Company has accepted the terms, conditions and obligations of the Agreement and that the Lease Company agrees to this Agreement.

Snap RTO LLC

By: Robert Barnhart

Title: President

ADDITIONAL AGREEMENT TERMS

NOTICE: YOU ARE RENTING THIS PROPERTY. YOU WILL NOT OWN IT UNTIL YOU MAKE ALL OF THE REGULARLY SCHEDULED PAYMENTS OR YOU USE THE EARLY-PURCHASE OPTION. YOU DO NOT HAVE THE RIGHT TO KEEP THE PROPERTY IF YOU DO NOT MAKE REQUIRED PAYMENTS OR DO NOT USE THE EARLY- PURCHASE OPTION.

ADDITIONAL FEES.

In addition to any Processing Fee identified above, we may charge the following fees: We may charge a Returned Payment Fee of $ 20.00 if any electronic payment authorized under this Agreement or otherwise by you is Copy of Electronic Original® document managed through the eCore® on Demand (EOD™) Service. This is a copy of an original document held Certified Print® copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. Copy created on Mar. 19, 2024 02:49:31 PM MDT; Document Identifier: T:260-***-****-D:260-***-****. Copy

of

Original

1.0 EN

rejected or returned.

NO SECURITY DEPOSIT REQUIRED.

No security deposit is required under this Agreement. RENTAL PERIODS; SUBSEQUENT TERMS; RENEWAL.

Subject to renewal as provided herein, your initial rental period expires on the first Regular Payment due date after the later of the Expected Delivery Date or the date on which the Property is provided or delivered to you. Thereafter, until (i) you obtain ownership of the Property as provided in this Agreement, (ii) you terminate this Agreement and surrender the Property in its original condition, less reasonable wear and tear, (iii) we terminate this Agreement in a manner permitted hereunder, or (iv) the end of the Maximum Rental Period, this Agreement will automatically and repeatedly renew for additional rental periods, each beginning the day following your most recent Regular Payment due date and continuing until the next Regular Payment due date. If we permit a revision to your Regular Payment frequency, the length of any subsequent renewal rental period will adjust accordingly. RIGHT TO TERMINATE.

At any time, you may terminate your obligation to make future Regular Payments under this Agreement without penalty by providing us notice of termination of this Agreement and by surrendering to us the Property in its original condition, less reasonable wear and tear. The Property may include the value of certain services, like assembly, installation, or delivery, the costs of which are capitalized into the Property. If you surrender the Property, you surrender the value of any of these services and will not be required to make any further payments for them. We may terminate this Agreement at any time if you are in default of your payment or other obligations. Upon termination by either party, you must surrender the Property to us. In connection with any termination, you will continue to be obligated for all payments, fees and charges that are due or past due as of the date of termination. You must also pay any amount detailed under Lost, Stolen, Modified, Damaged or Destroyed Property below. MAINTENANCE OF PROPERTY.

You are responsible for maintaining or servicing the property while it its being rented. In accordance with this Agreement, you will conduct all maintenance, repairs, upkeep and care. WARRANTY.

If any manufacturer’s or seller’s warranty is in force when you acquire the Property, it shall be transferred to you if allowed by the terms of the warranty.

INSURANCE & LIABILITY DAMAGE WAIVERS.

We do not require you to purchase insurance or a liability damage waiver from us, and we have not provided insurance or a liability damage waiver to you.

LOST, STOLEN, MODIFIED, DAMAGED, OR DESTROYED PROPERTY. You are responsible if the Property is lost, stolen, modified in a manner that reduces its value or damaged in excess of normal wear and tear or destroyed. If the Property is lost, stolen, modified, damaged or destroyed, you agree to pay us at once an amount equal to the least of: (1) the Property’s fair market value, as of the time it is lost, stolen, modified, damaged or destroyed (determined by us, using an industry value guide we select, if any is available); (2) the amount you would need to pay at such time to exercise your early purchase option, calculated as of the date you notify us that the Property is lost, stolen or destroyed; or (3) in the case of damage, the cost of repair.

REINSTATEMENT RIGHTS.

If you are in default and/or the Property is surrendered or repossessed, you may reinstate this Agreement without losing any rights or options by paying: (i) all past due charges; and (ii) if allowed by applicable law, the reasonable costs of retrieval and redelivery if the Property has been retrieved. You may exercise your reinstatement right within (a) 10 days of your default if you have retained possession of the Property, or (b) within one year of your default if you have tendered surrender of the Property to us, such longer period provided to you under applicable law. Upon reinstatement, we will re-deliver the same Property, or to the extent that the same Property is unavailable, substitute it with merchandise of reasonably comparable worth, quality, and condition. Copy of Electronic Original® document managed through the eCore® on Demand (EOD™) Service. This is a copy of an original document held Certified Print® copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. Copy created on Mar. 19, 2024 02:49:31 PM MDT; Document Identifier: T:260-***-****-D:260-***-****. Copy

of

Original

1.0 EN

WARRANTIES.

We make no express warranty on the Property, and, unless prohibited by law, the following sentences apply. YOU ARE LEASING THE PROPERTY “AS IS”. WE MAKE NO EXPRESS WARRANTIES ON THE PROPERTY. WE DISCLAIM ANY WARRANTIES IMPLIED BY LAW, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR ANY PARTICULAR PURPOSE. DEFAULT, REPOSSESSION, AND OTHER REMEDIES.

You will be in default of this Agreement if:

- You do not pay any Regular Payment, fee or other amount under the Agreement when and as due.

- You give us any false or misleading information.

- You lose possession of the Property by confiscation, forfeiture or other involuntary transfer regardless of whether the Property is the subject of judicial or administrative proceedings.

- The Property is lost, stolen or damaged beyond repair.

- You assign the Agreement or transfer the Property, including as a result of death.

- Unless prohibited by law, you violate any Agreement term. If you are in default under this Agreement, we may at our election, and subject to any waiting period imposed by law, take any actions permitted by law, including without limitation one of the following actions, none of which will cure your default:

-Until you purchase the Property as provided in this Agreement, or the Property is surrendered, in each case as permitted under this Agreement, this Agreement shall continue to renew, and we may continue to charge you regular rental payments under the terms of this Agreement.

-We may take any action we believe to be necessary or advisable to protect our interest in the Property.

-We may require that you surrender the Property or peacefully repossess it wherever we may find it. We will give any repossession notices required by law. After repossession or surrender, we will hold the Property, subject to any right you may have under applicable law to cure the default or reinstate the Agreement. TAXES.

You must immediately pay or reimburse us for all sales tax or other government charges related to the Property or this Agreement. We may add the amount to what you owe us under the Agreement. If you do not pay such amounts when they are assessed (unless such results from our failure to comply with our obligations), you must pay any penalties when due or reimburse us if we pay them. TITLE.

We retain title to the Property unless and until you acquire ownership as provided herein. ELECTRONIC PAYMENTS AUTHORIZATION. In your financing application, you provided us with payment card information corresponding to a deposit account, either via routing information tied to a Bank Account or a Debit Card (“Deposit Account”), and/or a credit card. The following authorization corresponds to the information you provided in that application and any replacement information you provide to us.

ACH Debits or Credit Card Debits for Payment(s). As of or after each Regular Payment due date (or on any alternative date to which you and we may later agree), you authorize us and our agents and service providers to initiate an electronic debit for the Regular Payment amount (or such modified amount as you and we may later agree) from your deposit account or credit card account ending in 1295 or any subsequent account you provide to us. If any payment falls due on a non-Banking Day, it will be made on the succeeding Banking Day.

Reinitiated Payment Attempts. If any debit is returned unpaid, you authorize us to reinitiate such payment, subject to any limitations under applicable law, up to two additional times or any additional number of times permitted by applicable network rules. This includes reinitiating such payment, at our discretion, on your card account ending in NA, or any additional or subsequent card or account you provide to us. However, you agree that we are under no obligation to reinitiate any rejected debits. You authorize us to debit lesser amounts than your payment, based on your payment history. Error Correction; Modified Payments. If we make an error in initiating any payment, you authorize us to correct the error by crediting or debiting your Deposit Account or card in the amount of the error on or after the date any such error occurs. Instead of or in addition to any payments described above, you authorize us to seek payment from the Deposit Account and/or card for any amount and on any date that you subsequently confirm by phone, text message or email. Copy of Electronic Original® document managed through the eCore® on Demand (EOD™) Service. This is a copy of an original document held Certified Print® copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. Copy created on Mar. 19, 2024 02:49:31 PM MDT; Document Identifier: T:260-***-****-D:260-***-****. Copy

of

Original

1.0 EN

Authorization to Vary Amounts of Payments. You have the right to receive advance written notice if any payment we seek will vary from the amount authorized above. To exercise this right, please send a written request to the P.O. Box 26561, Salt Lake City, UT 84126. Unless you exercise the right to receive advance written notice of a varying amount, you authorize us to vary the amount of any scheduled payment so long as such payment is an amount less than 110% of the scheduled amount. Bank/Card Imposed Fees. If any payment authorized above is dishonored or returned unpaid, you understand that your financial institution may charge you a fee, in addition to any Returned Payment Fee you may owe us. You agree that we will have no liability regarding any such fee. IF YOU DO NOT HAVE SUFFICIENT FUNDS TO COVER AN AUTHORIZED PAYMENT, PLEASE CALL US AS SOON AS POSSIBLE AT THE NOTICE TELEPHONE NUMBER SO THAT WE CAN TRY TO MAKE ALTERNATIVE ARRANGEMENTS WITH RESPECT TO THAT PAYMENT.

Revoking this Authorization.

YOU MAY REVOKE ANY AUTHORIZATION BY CALLING US AT 877-***-**** OR BY WRITING US AT P.O. Box 26561, Salt Lake City, UT 84126 IN SUCH TIME AND MANNER AS TO AFFORD US A REASONABLE OPPORTUNITY (TYPICALLY THREE BUSINESS DAYS) TO ACT ON YOUR REQUEST . We may terminate your electronic payments authorization at any time for any reason, including excessive returned payments. If you revoke any payment authorization or it is otherwise terminated, you will still be responsible for making any remaining payments that come due. To arrange for another method of payment, please call us at 877-***-**** . Miscellaneous. You certify that you are an authorized signer on the Deposit Account and/or an authorized user of the card. If you inadvertently transpose a digit or make a similar error in providing us with information about a payment method, you authorize us to correct the error. Each charge to a card will be processed in U.S. dollars, and, if a charge is converted into another currency, its amount may vary based on fluctuations in the applicable conversion rate. ACH Debits and/or Credit Card Authorization for Returned Payment Fee. You authorize us to debit $ 20.00 for any returned payment fee.

NON-WAIVER.

We do not waive our rights or remedies under this Agreement by failing to exercise them at any time. CUSTOMER COMMUNICATIONS AND RECORDINGS:

You authorize us (which for purposes of this section also includes our affiliates, and our and their respective service providers, successors and assigns) to use automated telephone dialing, text messaging and e-mail systems to communicate with you at the telephone number(s) and e-mail address(es) you have provided in this Agreement or in any application for a lease with or through us and at any telephone numbers or email addresses that you subsequently provide to us with information relating to this Agreement, your other agreement(s) or account(s) held now or in the future by or through us and other important information regarding your relationship with or through us (“Communications”). Communications might include, for example, messages relating to scheduled or missed payments. You also agree that Communications to your phone may contain prerecorded or artificial voice messages. You understand that Communications to a telephone may be played by a machine automatically when the telephone is answered. These messages may also be recorded by your answering machine. You understand that, notwithstanding our efforts to communicate only with you, anyone with access to your telephone may be able to listen to these messages or read any text messages that we send to you. You also understand and agree that, subject to applicable law, we may monitor and/or record any of your phone conversations with any of our representatives for training, quality control, evidentiary, and any other purposes. However, we are not under any obligation to monitor, record, retain, or reproduce such recordings, unless required by applicable law. You acknowledge that, when you receive Communications from us, you might incur a charge from the company that provides you with telecommunications and/or data services. You agree that we will not be liable for any fees, inconvenience, annoyance or loss of privacy in connection with any Communications. If any telephone number you have provided to us changes, or if you cease to be the subscriber or customary user of any such telephone number, you agree to immediately give us notice of such by calling us at 877-***-**** so that we may update our records. You understand that this consent to receive automated Communications is an essential provision of this Agreement. To the extent you have the right under applicable law to revoke this consent, you may do so only by contacting us at 877-***-**** or P.O. Box 26561, Salt Lake City, UT 84126, or at any telephone number or address we subsequently provide to you. ENTIRE AGREEMENT, NO ADDITIONAL PROMISES, WRITTEN AND SIGNED CHANGES ONLY. This Agreement, together with the Exhibits provided herewith, is our entire agreement. We have made no promises to you not contained in this Agreement or in such other documents. Any change to this Agreement must be written and signed by you and us. CUSTOMER MODIFIED PAYMENT DATES AND FREQUENCY.

The dates for, frequency of, number of and amount of Regular Payments in this Agreement are based upon the payday information you provided with your application. You may contact our customer service department or if available use automated means to request a change of the scheduled dates for and frequency of Regular Payments. If we accept a change in the scheduled dates for or frequency of Regular Payments, the amount of each Regular Payment will automatically be modified so that that total cost or total of payments, and the period over which the total cost or total of payments is paid, will remain the same as prior to the requested change. Any references in this Agreement to the number, frequency, timing and amount of Regular Payments refers to such number, frequency, time and amount as may be modified by the Lease Company at your request. Copy of Electronic Original® document managed through the eCore® on Demand (EOD™) Service. This is a copy of an original document held Certified Print® copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. Copy created on Mar. 19, 2024 02:49:31 PM MDT; Document Identifier: T:260-***-****-D:260-***-****. Copy

of

Original

1.0 EN

SEVERABILITY.

If a court or other dispute resolution body finds any part of this Agreement to be void or unenforceable, this Agreement is to be read as if that part were never a part of this Agreement. The rest of the Agreement will be enforceable. PROHIBITED ACTS.

Unless and until you acquired ownership of the Property, you will keep the Property free from any liens or claims and will not sell, pledge or pawn the Property. To the extent use of the Property requires any minimum criteria for use, including for example a permit, license, or minimum age, you will not allow any improper use of the Property. You will not use the Property for commercial purposes. ASSIGNMENT.

You may not assign this Agreement or, prior to acquiring ownership, transfer the Property without our prior written permission. We may assign this Agreement and all of our rights under this Agreement. Any person we assign it to may reassign it. ACCORD AND SATISFACTION.

Any statement accompanying your payment to the effect that your balance is paid in full will not bind us. Our deposit of any such payment will not constitute an accord and satisfaction, and we may apply the payment to your account. RECEIPT.

Upon your request, we are required to provide you with a written receipt for each payment made. GOVERNING LAW.

The law of the state in which you reside when you signed this Agreement and applicable federal law will govern the Agreement and the interpretation of it, except that the Federal Arbitration Act expressly governs the Jury Trial Waiver and Arbitration Clause. You acknowledge that you reside at the address listed above on the Agreement Date. CONSUMER REPORT.

You have authorized us to obtain one or more consumer reports on you in connection with this transaction. CREDIT REPORTING.

We may report information to credit bureaus or other third-parties about your account, including late or missed payments, and any positive or negative account information may be reflected in your credit report. INDEMNIFICATION.

You agree to indemnify us and hold us and our assignees, agents, and insurers harmless from all damages, injuries, claims, demands, and expenses, including reasonable attorney's fees to the extent permitted by law, arising out of the condition, maintenance, use or operation of the Property, including a claim under the strict liability doctrine. NOTICES.

Any written notices to us under this Agreement should be sent to Snap Finance LLC, ATTN: Customer Service, PO Box 26561, Salt Lake City, UT 84126, or upon written notice to you, to any address that is later designated in such notice. Any telephone calls to us should be made to 1-877-***-****, or upon written notice to you, to any telephone number that is later designated in such notice. Our formal notices to you will be sent to email address or, if required by law the street address, set forth on the first page of this Agreement or to any address that is later designated to use by you in writing or another documented method. Print and retain a hard copy or electronic copy of this Agreement Copy of Electronic Original® document managed through the eCore® on Demand (EOD™) Service. This is a copy of an original document held Certified Print® copy of the document held by Snap RTO,, LLC with BMO Harris Bank N.A. as administrative agent. Copy created on Mar. 19, 2024 02:49:31 PM MDT; Document Identifier: T:260-***-****-D:260-***-****. Copy

of

Original

1.0 EN

EXHIBIT A

Invoice: 1978

Products:

Model Description Qty Price Extended Price

2013 CHEVY CRUZE Transmission 1 $ 1,700.00 $ 1,700.00 Sub Total: $ 1,700.00

Sales Tax: $ 0.00

Total Invoice: $ 1,700.00

Amt Due Today (w/o Proc Fee): $ 0.00

Snap Cash Used: $ 1,700.00

Proc Fee Collected (by Merchant): $ 0.00

EXHIBIT B

Arbitration Clause

JURY TRIAL WAIVER AND ARBITRATION CLAUSE. We have put this Jury Trial Waiver and Arbitration Clause (this "Clause") in a question-and-answer format to make it easier to understand. However, this Clause is legally binding on you and on us. Background and Scope

What is

arbitration?

An

alternative

to court.

In arbitration, a neutral third party ("Arbitrator") resolves Disputes in a hearing. You, related third parties and we, waive the right to go to court. Such "parties" forgo jury trials. Is it different

from court

and jury

trials?

Yes.

The hearing is private and less formal than court. Arbitrators may limit pre-hearing fact finding, called

"discovery." The decision is final. Courts rarely overturn Arbitrators. Can you

opt out of

this

Clause?

Yes, within

30 days.

If you do not want this Clause to apply, you must send us a signed notice within 30 calendar days after the date you signed your Agreement. You must send the notice in writing to Snap Finance LLC Attention: Arbitration. P.O. Box 26561, Salt Lake City, UT 84126 (or any subsequent address we provide to you) (the “Notice Address”), or via email to ad4sj8@r.postjobfree.com, with the email subject “Arbitration.” Provide your name, address, account number and date. State you opt out of the Clause. If you opt out, it will only apply to the Clause in that Agreement. Who does

the Clause

cover?

You, us, and

others.

This Clause governs the parties, their heirs, successors, assigns, affiliates, employees, officers and directors, and Retailer or other third parties related to any Dispute. Which

Disputes

are

covered?

All

Disputes.

In this Clause, the word "Disputes" has the broadest possible meaning. This Clause governs all

"Disputes" involving the parties. This includes all claims arising from or related to your application and Agreements with us or the relationships resulting therefrom. This includes claims related to information you previously gave us. It includes all past agreements. It includes, as may be applicable, any additional periods, extensions, renewals, and plans. It includes claims related to damaged property, buyout, reinstatement, loss, damage, warranty, maintenance, collection, possession, privacy, and customer information. "Disputes" includes, but is not limited to, initial claims, counterclaims, cross-claims and third-party claims, and claims based on any constitution, statute, regulation, ordinance, common law rule (including rules relating to contracts, torts, negligence, fraud or other intentional wrongs) and equity. It includes claims that seek individual relief of any type, including damages and/or injunctive, declaratory or other

Contact this candidate