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Location:
Columbus, GA
Salary:
12.oo a hour
Posted:
October 26, 2022

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Resume:

Loan South Finance Co. - CREDIT APPLICATION

Branch Location: Columbus Date: 11/21/20 Amount of Loan Applied for: $768.00 Customer Name: Zulena Williams Joint Applicant:

Customer ID: 6549 Relationship to Applicant: Address: 403 17th Ave Apt 27 How long at Residence:0.00 Social Security #: Columbus, GA 31901

Social Security #: XXX-XX-1040 Drivers License # Joint's DOB: Joint's Age: Customer DOB: 11/08/72 Customer's Age: 48 Phone:

Home Phone: 706-***-**** Cell Phone: 706-***-**** Customer's employer: Ovations Spectra Joint's employer: Customer's position: Waitress Joint's supervisor:

Customer's supervisor: Mr Jones Joint employer's address: Customer's work phone: 706-***-**** Ext:

Employer's address: 801 Front Ave

Columbus, GA 31901 Joint's hire date:

Customer's hire date: 01/01/05 Joint's salary:

Customer's salary: 867.00, Customer Pay Frequency:13 Every Other Wed Joint's Pay Frequency: Employer's comments: PAID AMNT/ON : $458.00 / Bi-Weekly/ Wednes Joint's comments: Customer's Other Income: Alimony Joint's Other Income:

(Alimony, child support, or separate maintenance need not to be revealed if you do not wish to have it considered as a basis for repaying this obligation )

Vehicle Make: Nissan Is this vehicle financed? Yes No Model: Altima If so, with who? How much is owed? Year: 2015 Vin # : 1N4AL3APXFN385884

Customers Comments: REF FOR MALIK SCOTT 30.400 REF FEE WHEEL SPIN 05/30/2020 References: 1) Rose Harris 706-***-**** Friend

2) Malik Scott 706-***-**** Husband

* Additional reference details on file.

Other Comments:

Budget Information

Customer Other income:Alimony Monthly Income: 867.00 Customer has a reduced income: No Monthly Payment: Balance of other debts:$0.00 Free Income: $172.00

Monthly payment other debts: Other debts monthly payment: $695.00

Other debts:

The original document is owned by Walters Management Company. This document is subject to a security interest in favor of, and pledged as collateral to, Pacific Western Bank. This copy was created on November 21, 2020 03:13 PM GMT+0. NON-AUTHORITATIVE COPY

Previous Addresses:

Name Address Date Start Date End Years Months

4714 Toney Dr 0

Previous Employer:

Name Address Date Start Date End Years Months

This account was verified and updated by: Managers approval Signature of employee Supervisor review

* Important Read Before Signing *

CONSENT AND AUTHORIZATION:

The information that I have stated in this Application is complete and correct, and no material debts have been omitted. I acknowledge that Creditor is relying upon the complete accuracy of the information submitted, and that false or misleading information constitutes an attempt to defraud Creditor. I hereby authorize creditor to obtain, verify and confirm my income, employment, and any information about me, or my credit and employment history, from credit reporting agencies, directly from my creditors, my landlord or other businesses or individuals, and my current or former employers, now and as long as my indebtedness remains. I consent to such persons or entities providing such information to Creditor; and, I consent to Creditors furnishing the information that I have provided to Creditor and my payment history, to those with whom Creditor believes that I have a credit account or am opening an account.

Applicant (Seal) Date Co-Applicant (Seal) Date

Phone Application (Y/N) Employee's Signature Receiving Application CUSTOMER RELEASE STATEMENT:

I authorize Loan South Finance Co. to contact me by text message(s) or electronic mail. I understand that any such TEXT [sms] & EMAIL messages will be subject to whatever rates and charges associated with those messages as assessed by my wireless provider; and, I agree that any such rates and charges are my responsibility and not the responsibility of Loan South Finance Co.. I understand that I am not required to sign this agreement (directly on indirectly), or to agree to enter into such an agreement as a condition of any loan.

In the event your cell phone numbers change, you are required to notify Loan South Finance Co., immediately of your new cell phone number by calling, in person or in writing at Loan South Finance Co.. You are liable for any violation of federal law in the event your cell phone numbers change and you fail to notify Loan South Finance Co. of those changes. You are giving Loan South Finance Co. permission to contact you on any future cell phone numbers in the event you change your cell phone numbers and any future email addresses in the event you change your email addresses. If at any time I choose to opt out of this agreement I will notify Loan South Finance Co. 3517 Victory Dr. Suite 2 Columbus, GA 31903 IN WRITING and all correspondence by text and/or email will cease within a reasonable time period.

Applicant (Seal) Date Co-Applicant (Seal) Date

Adverse Action:

Fair Credit Reporting Act and Equal Credit Opportunity Act Notice of specific reasons for action taken on the application given to the applicant.

By Mail-In Writing In Person-In Writing Signed The original document is owned by Walters Management Company. This document is subject to a security interest in favor of, and pledged as collateral to, Pacific Western Bank. This copy was created on November 21, 2020 03:13 PM GMT+0. NON-AUTHORITATIVE COPY

SCHEDULE OF PAYMENTS: THE TOTAL OF PAYMENTS IS PAYABLE IN: 7 INSTALLMENTS OF $96.00 AND 1 INSTALLMENTS OF $96.00 COMMENCING ON 01/01/21 AND DUE MONTHLY THEREAFTER, WITH FINAL INSTALLMENT DUE 7 MONTHS FROM DATE. LOAN NUMBER

6549/65555-17 BR

LENDER/SECURED PARTY AND ADDRESS

Loan South Finance Co.

3517 Victory Dr. Suite 2

Columbus, GA 31903

INSURANCE: BORROWER IS REQUIRED TO PURCHASE CREDIT LIFE AND ACCIDENTAL AND HEALTH INSURANCE TO OBTAIN THIS LOAN. BORROWER MAY CHOOSE THE PERSON THROUGH WHICH THE INSURANCE IS OBTAINED. IF IT IS OBTAINED THROUGH LENDER, THE COST OF SUCH INSURANCE FOR THE TERM OF THE LOAN IS AS INDICATED BELOW:

BORROWER'S NAME AND ADDRESS

Zulena Williams

403 17th Ave Apt 27

Columbus, GA 31901

DISCLOSURE REQUIRED BY FEDERAL LAW

NOTE - SECURITY AGREEMENT

$27.00

$529.32

$0.00

$10.00

347.59

PROPERTY INSURANCE

AUTO PHYSICAL DAMAGE INS.

NON-FILE INSURANCE

REDUCING

TERM

LEVEL

TERM

DUAL

COVERAGE X

AMOUNT FINANCED (Total of lines 17 thru 21)

CREDIT LIFE

CREDIT A&H (Monthly Benefit)

INTEREST

PREPAID FINANCE CHARGE (LOAN FEE - 8%)

PREPAID FINANCE CHARGE (LOAN FEE – 4%)

PREPAID FINANCE CHARGE (CLOSING FEE)

TOTAL PREPAID FIN. CHG. (Total of Lines 26,27&28)

MAINTENANCE CHARGES

FINANCE CHARGE (Total of Lines 23,24,25,29&30) TOTAL OF PAYMENTS (Total of Lines 22 & 31) FACE AMOUNT OF THE LOAN This is a total of lines 22,23,24,25&29 (Loans 18 mos. or less) This is a total of lines 22,23,24&29 (Loans over 18 mos.)

* WE MAY BE RETAINING A PORTION OF THIS AMOUNT.

$744.00 $2.23

$19.39

$5.76

$54.91

$24.00

Altima 4 Door

BODY TYPE AND SERIES

$144.73

Annual Percentage Rate

65.00%

THE COST OF YOUR CREDIT AS A YEARLY RATE

Finance Charge

$168.68

THE DOLLAR AMOUNT THE CREDIT WILL COST YOU

Amount Financed

$599.32

THE AMOUNT OF CREDIT PROVIDED TO YOU OR ON

YOUR BEHALF.

Total Of Payments

$768.00

THE AMOUNT YOU WILL HAVE PAID AFTER YOU HAVE

MADE ALL PAYMENTS AS SCHEDULED.

TYPE PREMIUM SIGNATURE

CREDIT LIFE

YOU MAY OBTAIN PROPERTY INSURANCE FROM ANYONE YOU

WANT, PROVIDED THE INSURANCE COMPANY IS ACCEPTABLE TO THE CREDITOR. IF YOU GET THE INSURANCE FROM THE

CREDITOR, IT WILL BE FOR THE TERM OF THE LOAN AND

YOU WILL PAY: $0.00

SECURITY: YOU ARE GIVING A SECURITY INTEREST IN:

Your Automobile Loan is Unsecured

Personal Property as described in the security agreement below Other Property:

FILING FEES $0.00 NON-FILE INSURANCE $20.00

LATE CHARGE: YOU WILL BE CHARGED $10.00 OR $0.05 FOR EACH

$1.00 OF ANY INSTALLMENT, WHICHEVER IS GREATER, IF PAYMENT IS NOT MADE WITHIN FIVE (5) DAYS AFTER ITS DUE DATE. PREPAYMENT: IF YOU PAY OFF EARLY, YOU MAY BE ENTITLED TO A REFUND OF PART OF THE FINANCE CHARGE. YOU WILL NOT HAVE TO PAY A PENALTY.

SEE YOUR CONTRACT DOCUMENT FOR ANY ADDITIONAL

INFORMATION ABOUT NONPAYMENT, DEFAULT, ANY REQUIRED REPAYMENT IN FULL BEFORE THE SCHEDULED DATE,

PREPAYMENT REFUNDS AND PENALTIES.

LEVEL

TERM REDUCING

TERM $0.00 X

X

$2.23

$37.94

JOINT

REDUCING LIFE

X TERM

7 DAY

WAITING

LEVEL

TERM

3 DAY

X WAITING

CREDIT LIFE

&

DISABILITY

X

X

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

13.

*14.

*15.

*16.

17.

18.

CASH RECEIVED BY BORROWER

UNPAID BALANCE PRIOR LOAN

INTEREST REFUND

LOAN FEE REFUND

CLOSING FEE REFUND

MAINTENANCE CHG. REFUND

CREDIT LIFE INS. REFUND

CREDIT A&H INS. REFUND

FIRE INSURANCE REFUND

AUTO INSURANCE REFUND

TOTAL REFUNDS

LATE CHARGES

AMOUNT TO BE RENEWED

DISBURSEMENTS TO:

TOTAL DISBURSED (Total of lines 1, 12, 13, 14, 15, 16) Filing Fee(s) ITEMIZED STATEMENT

$3.87

$0.00

$0.00

*19.

*20.

21.

INSURANCE AMOUNT PREMIUM

$0.00 $0.00

SINGLE $744.00 $50.00

INTEREST

$744.00

$599.32

$20.00

$93.00 $37.94

$768.00

$744.00

X

22.

*23.

*24.

25.

26.

27.

28.

29.

30.

31.

32.

2015 Nissan

MOTOR VEHICLE YEAR AND MAKE NO. CYLS H.P. SERIAL NUMBER MOTOR NUMBER THE TERMS AND CONDITIONS OF THE SECURITY AGREEMENT APPEAR ON THE REVERSE SIDE OF THIS SHEET. NOTICE: SEE THIRD PAGE FOR IMPORTANT INFORMATION NOTICE TO CONSUMER: (a) Do not sign this agreement if it contains any blank spaces. (b) You are entitled to an exact copy of all papers you signed. (c) You have the right at any time to pay in advance the full amount due under this agreement and under certain conditions to obtain a partial refund of the interest charges. (d) If credit life insurance is required, you have the right to purchase either level term life insurance or reducing term life insurance coverage. (e) You are not required to purchase noncredit insurance as a condition of obtaining this loan. (f) Upon a default under the Note or Security Agreement of even date, the secured party can repossess without legal process any collateral for this loan pursuant to the provisions of said Security Agreement. The undersigned borrower(s) acknowledge receipt of a copy of this document, which was completed prior to execution.

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 ARBITRATION. Borrower(s) acknowledge(s) that this loan contract includes an agreement between the parties to submit all disputes arising out of or in any way related to this agreement or any prior or future agreement between them to arbitration. The arbitration agreement is set forth on the reverse of this agreement. I (we) acknowledge that we have read and understand this notice and the arbitration agreement before signing, as shown by my initials hereon.

LENDER/SECURED PARTY

Loan South Finance Co.

ORIGINAL COPY

X

X Signature of Borrower

(SEAL)

(SEAL)

JOINT

LIFE

PPP Auto Club

Tax Audit Assistance

LOAN NOTE

FOR VALUE RECEIVED, Borrower(s) jointly and severally promise to pay to Lender, at its offices, the total of payments as disclosed, in installments of the amounts and upon the dates shown above, plus a late or delinquent charge of

$10.00 or $0.05 for each $1.00 of any installment, whichever is greater, if not paid within five (5) days of the due date. (This late or delinquent charge shall not be collected more than once for the same default). Failure to pay any installment when due, time being of the essence of this contract, or a default under any provision of the Security Agreement shall, at the option of the Holder, without notice or demand, render immediately due and payable all unpaid installments, provided that in such case charges will be reduced in proportion to the reduction in the loan term. All refunds (except closing fee refunds) in the event of prepayment without default shall be by the sum of the digits method. In either event, to the extent that the sum of the earned charges yields a rate of interest greater than 5% per month, borrower shall receive an additional rebate of such excess. No interest refunds of less than $1.00 shall be made upon prepayment. If I pay in full or refinance this loan within 90 days, a prorata portion of my Closing Fee will be refunded, however, you may retain a minimum of $25.00 of Closing Fee. If the calculated Closing Fee and/or refund is $25.00 or less, no refund will be required. Any balance remaining unpaid after maturity shall bear interest at the rate of 16% per annum. If this note is collected by or through an attorney-at-law, attorney's fees of 15% of the unpaid balance, less unearned charges, shall be assessed. The terms "Lender" and "Holder" include the Lender's successors and assigns. Notwithstanding any language used in this note, when this note is made pursuant to the Georgia Industrial Loan Act, the note shall not be construed to contract for or claim any charge or interest in an amount greater than allowed by that Act. GIVEN UNDER THE HAND AND SEAL OF EACH PARTY

$168.68

$29.76

$49.60

$0.00

$0.00

$2.00

$0.00

$2.96

$0.00

$3.58

$12.41

$360.00

SECURITY AGREEMENT

THE UNDERSIGNED GRANTS TO LENDER A SECURITY INTEREST IN THE FOLLOWING PERSONAL PROPERTY, TOGETHER WITH ALL ACCESSIONS: THE COLLATERAL FOR THIS LOAN ALSO SECURES ANY OTHER LOAN YOU HAVE WITH US AND ANY FUTURE ADVANCES. 40 Inch Element Tv Ps4 Sharp Stereo Tv Magnavox Dvd Player Gold Ring

THIS DOCUMENT IS SUBJECT TO A SECURITY INTEREST IN FAVOR OF, AND PLEDGED AS COLLATERAL TO, PACIFIC WESTERN BANK, AS AGENT. PLEDGEF

Age:

48

1N4AL3APXFN385884

DATE OF LOAN:

11/21/20 10:12:48AM

The original document is owned by Walters Management Company. This document is subject to a security interest in favor of, and pledged as collateral to, Pacific Western Bank. This copy was created on November 21, 2020 03:13 PM GMT+0. NON-AUTHORITATIVE COPY

This security Agreement is intended to grant Lender a security interest under the Georgia Uniform Commercial Code a nd shall secure the indebtedness of a Borrower to said Lender. This being the loan described on the front of this document. A security interest shall extend to and cover all credit insurance polices, proceeds and return premiums on all policies of credit insurance purchased in connection with this loan. This security Agreement shall not be construed to constitute or contain a pledge of household goods as defined in 16 C.F.R. Section 444.1(i) other than a purchase money security interest in such goods of items as may be purchased with the proceeds of the loan.

Borrower shall keep the property fully insured against all substantial risks or losses, with insurance reasonably related to the type and value of the property insured in the amount and term of loan with loss payable to Lender and the Borrower as their interest may appear, and shall be liable for and shall pay all premiums all taxes and other charges against said property promptly when the same become due. The loss or destruction of said property from any cause, with or without fault of the Borrower, shall not affect in any way the liability of Borrower to repay any and all indebtedness hereby secured. Borrower shall deliver to Grantee copies of all policies of insurance which insure against loss or damage to the described property with loss payable to Lender. Lender may, at its option, pay premiums for such insurance, without notice, or make advances therefor, adding such advances to the indebtedness secured hereby. Such advances shall bear interest at the rates provided n the loan note. The failure of the Borrower to pay any installment on the loan note when due, or the breach of any covenant or obligations of the Borrower or any misrepresentation or misstatement of the Borrower in connection with this Security Agreement, or the Lender deeming itself or the described property unsafe or insecure, (time being of the essence), shall constitute a default hereunder, and upon any such default. Lender may, without notice or demand, exercise any one or more of its rights and remedies as a Secured Party under the Georgia Uniform Commercial Code. The lender may waive any default or remedy any default in any reasonable manner without waiving the default remedied and without waiving any prior or subsequent default. The Borrower warrants that the described property is in the possession of the Borrower and located at the address which appears hereon and agrees to immediately notify Lender of any change in address from that address.

If a portion of the proceeds of this loan note are applied to discharge and satisfy the unpaid balance of a prior note under the Georgia Industrial Loan Act by lender to Borrower, it is hereby specifically agreed that (i) Borrower acknowledges a moral obligation to repay Lender or said prior obligation, and (ii) the payment of the proceeds of this loan note and the execution of this agreement constitutes an accord and satisfaction of said prior obligation.

In addition to all other obligations herein, the Borrower shall pay all actual lawful fees paid to a public official or agency of this State for filing or recording this instrument or financing statements, (If insurance is obtained by the Lender against the risk of non-recording, then in lieu of the fees paid for filing and recording this instrument or financing statements, the Borrower shall pay either the premium actually paid for such insurance or the amount of fees and charges which otherwise would have been payable to public officials for determine the existence of or perfecting or releasing or satisfying any security related to this credit transaction, whichever of such foregoing amounts is the lesser.)

If the security interest granted under this instrument is junior in priority to another security interest, Borrower assigns and transfers to Lender any and all surplus funds which may come into the hands of the holder of any prior security interest in the property upon the foreclosure of such security interest. It is agreed that if a motor vehicle is included in the property described: if Lender takes possession after default. Lender may simultaneously take possession of any other property in the motor vehicle and hold same temporarily for Borrower without liability for so doing and Borrower agrees to deliver a signed written notice to Lender's authorized agent at Lender's place of business within forty-eight hours after Lenders taking possession of the motor vehicle, of any claim of Borrower that any articles of personal property not herein described were in the motor vehicle at the time of Lender's taking possession; and Borrower agrees that failure to do so shall be a waiver of and bar to any subsequent claim therefor or on account thereof. The private sale of a repossessed motor vehicle to a motor vehicle dealer making the higher of two separate oral or written bids therefor, shall be deemed a disposition in a commercially reasonable manner, provided, however that Lender may, following the taking of the motor vehicle after default, dispose of the same in any other commercially reasonable manner.

The lender shall have all such other rights and remedies under the law of Georgia including without limitation those provided by the Georgia Uniform Commercial Code and such rights and remedies shall be cumulative of those granted herein. Except as otherwise specifically provided herein, no notice or demand by Borrower shall be effective or binding on Lender. If given by Lender such notice shall be deemed to have been given when deposited in the United States Mails in an envelope, postage prepaid, and addressed to the Borrower at the address shown on the face of this agreement or other address properly designated in writing by Borrower to Lender.

If Borrower fails to perform the agreements contained in this security agreement or there is a local proceeding that may significantly affect Lender’s rights in the properly (such as a proceeding in bankruptcy, probate, or to enforce laws or regulations) then Lender may do and pay for whatever is necessary to protect the value of the property and Lender's rights in the property. Lender's actions may include paying any sums secured by a lien which has priority over this security agreement appearing in court, paying reasonable attorney's fees, or taking possession of the property. Any amounts disbursed by Lender under his paragraph shall become additional debt of a Borrower secured by this security agreement. Unless Borrower and Lender agree otherwise as to terms of payments these amounts shall bear interest from the date of disbursement at the rates provided in the loan note and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. The unenforceability or invalidity of any portion of this Security Agreement shall not render unenforceable or invalid the remaining portion hereof. This contract constitutes the entire agreement between the parties. No agreement, representations or warranties other than those specifically stated herein shall be binding-on the parties unless reduced to writing and signed by the parties. The term “Lender” shall include its successors and assigns. The term “Borrower” shall include the Borrower's heirs executors, administrator and assigns (but the inclusion of “assigns” shall not be construed to authorize the Borrower's assignment or conveyance of the property, property interest or interests hereunder or relieve Borrower from any liability hereunder); the use of the masculine gender shall include the feminine and vice- versa; and the use of the singular shall include the plural and vice-versa. If there is no more than one Borrower, their liability hereunder shall be joint and several. Please read this agreement carefully, it fundamentally affects your rights and the manner in which disputes will be resolved. ALTERNATE DISPUTE RESOLUTION AGREEMENT

This provision sets forth a procedure for resolving disputes arising out of or relating to our relationship. The words “we” and “Lender” as used in this Agreement, refer to the Lender identified above together with all its directors, officers, employees, agents, parent corporation, subsidiary corporations, corporations affiliated with it by ownership, any person or entity that may be held jointly and severally liable with Lender and assignees of any of the foregoing. The words “you” “your” or “Borrower”, as used in this Agreement, refer to the Person(s) who have entered into the Loan Agreement on this same date. (“Agreement”) together with all of his her or their heirs, executors, successors, assigns and any person who claims rights arising out of or in relation to the relationship between you and us. “Us” and “Our” as used in this Agreement refers to the Lender.

This Alternative Dispute Resolution Agreement is entered into as part of the Loan Agreement. 1. Agreement to Arbitrate. You and we agree that any and all disputes, claims or controversies of any kind and nature between us arising our of or relating to the relationship between us will be resolved through mandatory, binding arbitration. This agreement to arbitrate covers claims that (a) arise out of or relate to this Agreement or the Loan Agreement; (b) arise out of or relate to any past transactions or dealing between us; (c) arise our of or relate to any future transactions or dealing between us and (d) disputes about whether any claims, controversies, or disputes between us are subject to arbitration Because you and we have agreed to arbitration, both of us are waiving our rights to have disputes resolved in court. 2. Examples of Arbitrable Claims. Examples of disputes that are required to be arbitrated under this agreement include, but are not limited to, the following claims: (a) an alleged breach of any contractual promise;

(b) that any Loan Agreement is void or voidable based on alleged fraud, unconscionability, duress, illegality, or any other ground; (c) that any Alternative Dispute Resolution Agreement between us is void or voidable based on alleged fraud, unconscionability, duress, illegality, or any other ground; (d) that the parties never entered into a Loan Agreement or an Alternative Dispute Resolution Agreement; (e) regarding permissive and compulsory counterclaims to any claims subject to arbitration 3. Exceptions to Arbitration. Notwithstanding any language in this Agreement to the contrary in the event of Default in payment under the Loan Agreement, the Lender may seek its remedies in an action at law or in any permitted non-judicial manner (such as but not limited to, the right of self-help repossession under Article 9 of the Uniform Commercial Code) and its decision to do shall not be deemed to be waiver of its right thereafter to insist upon and seek specific enforcement of its rights under this Agreement, in the event that the Borrower(s) shall assert a counterclaim or right of set off in such judicial or nonjudicial action or in any other proceeding.

4. Conduct of Arbitration. The party seeking relief shall initiate the arbitration process by giving notice to the other party and request a conference to name an arbitrator. The parties further agree that should one party invoke arbitration in accordance with this Agreement the other party shall bring to the arbitration process any claim or counterclaim which it may have against the invoking party whether compulsory or permissive in law, and the failure to bring such claim or counterclaim shall constitute a waiver of and bar to the bringing of such claim or counterclaim in any subsequent arbitration or legal proceeding. All issues as to whether the dispute at issue is subject to arbitration shall be decided by the arbitrator. Arbitration will be conducted in accordance with the Consumer Procedures of the American Arbitration Association (“AAA”)

(www.adr.org),provided however that if the AAA ceases to exist or to accept new cases, then Arbitration shall be compelled through a process whereby a panel of three members of the Georgia State Bar's Dispute Resolution Section (membership list available at ww.gabar.org) shall hear and resolve all matters related to the parties' dispute; the initiating party and the defending party shall each be entitled to select one (1) member of a panel of three (3) members, with the two parties' panel representatives agreeing on a third panel member, In the event both AAA and Georgia State Bar Dispute Resolution as outlined above are completely unavailable for any reason whatsoever, then the parties shall be required to pursue arbitration in accordance with 9 U.S.C.A. Section 5, any court or tribunal hearing any motion or action seeking to compel arbitration shall compel the parties to select representatives pursuant to the three member panel process outlined above before it is authorized to appoint any single arbitrator. if the parties experience an impasse in selecting the third panel member, then the court shall appoint the third member in accordance with 9 U.S.C.A. Section 6. 5. Cost of Arbitration. If you initiate arbitration you will pay the first $50.00 of any required filing fee unless such payment is waived or deterred under applicable rules. We will pay any remaining filing fees, administrative fees, hearing fees and any other fees necessary for you to initiate a claim for relief of up to $5,000.00 or three times the “Total of Payments” shown on your Loan Agreement, whichever is greater. In addition, we will pay up to $350.00 per hour for eight hours to compensate two (2) of the three (3) panel members listed in Clause 4; you will be responsible for paying the costs of the arbitration panel member selected by you provided however that if you recover attorney's fees or expert witness fees, unless the arbitrator awards those fees to you. If we initiate arbitration, we will pay all of the fees associated with the arbitration proceeding, with the exception of your attorney's fees, unless the arbitrator awards those fees to you. 6. Location of Arbitration. You agree to arbitrate in the county where you executed the Loan Agreement. 7. Law Applicable to Arbitration Proceedings. The arbitrator is required to follow all substantive law applicable to any dispute, including the statute of limitations. The arbitrator will be bound first by the Georgia Rules of Evidence and Civil Procedure and then, where compatible and complimentary to Georgia law, by the Federal Rules of Evidence, and must respect any applicable attorney- client privilege, attorney work- product privilege and any other applicable privilege. The arbitrators are required to issue a written decision setting forth the decision and the reasons for that decision. You and we agree that the arbitrator’s decision will be final, binding, and enforceable in any court of competent jurisdiction. 8. Judicial Review of Arbitrator's Decision. The arbitrator's decision is subject to judicial review only on the grounds set forth in Title 9 Section 10 of the United States Code. 9. No Class Actions or Joinder of Additional Parties. You agree that you cannot serve as a class representative or participate as a class member in any m judicial or arbitration proceeding and that only your claims will be addressed in the arbitration proceeding and that additional parties cannot be added to the arbitration proceeding unless you and we agree in writing before the arbitration. A dispute between us is required to be arbitrated even if there are additional parties to the dispute or even if you make allegations that your dispute should be handled as a class action. 10. Severability and Reformation. If it is ever determined that some portion of this Agreement is void, voidable, or unenforceable, or if the inclusion of some provision or any portion of any provisions in the Agreement would render it unenforceable, you and we agree that the void, voidable, or unenforceable provision or the



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