RENTAL-PURCHASE AGREEMENT

Lease Company (Lessor): SNAP RTO LLC

P.O. Box 26561

Salt Lake City, UT 84126

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

Lessee: Isidoro Caballero

**** ***** *** **

Fremont, CA 94538

advjla@r.postjobfree.com

Application ID: 2302200706CA Lease Date: 2023-02-20 Property Condition: New Description of goods being rented (the "Property") further explained in Exhibit A: Tires, Alignment/tires

FORMATION OF AGREEMENT. By signing this Rental-Purchase Agreement, also known as a Lease Agreement with Option to Purchase (this "Agreement"), you, the Customer(s) ("you" and "your") choose to lease the Property from the Lease Company ("we," "us," and "our") according to the terms of this Agreement. The term "Retailer" means Norcal Tires And Wheels. You have the right, but not the obligation, to acquire ownership of the Property as described herein. RENTAL OF PROPERTY. You are obtaining the possession of the Property from 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 from the Retailer only new goods for personal, family or household purposes. IMPORTANT RENTAL-PURCHASE DISCLOSURES - INCLUDING COST AND PAYMENT 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 OPTIONS. YOU DO NOT HAVE THE RIGHT TO KEEP THE PROPERTY IF YOU DO NOT MAKE REQUIRED PAYMENTS OR DO NOT USE THE EARLY PURCHASE OPTIONS. IF YOU MISS A PAYMENT, THE LESSOR CAN REPOSSESS THE PROPERTY, BUT, YOU MAY HAVE THE RIGHT TO THE RETURN OF THE SAME PROPERTY OR SIMILAR PROPERTY. SEE THE CONTRACT FOR AN EXPLANATION OF YOUR RIGHTS. YOU ARE NOT OBLIGATED TO PAY A SUM GREATER THAN THE LEASE CHARGE FOR A SINGLE LEASE TERM, PLUS ANY AMOUNTS FOR YOUR TERMINATION. Cash Price of Property. The Cash Price of the Property is $ 546.37, which is the amount you would have paid if you had purchased the Property from the Retailer with cash on the day of this Agreement, inclusive of any applicable sales or use tax.

Total Cost of Lease; Periodic Payments; Processing Fee; Initial Payment; Cost of Rental. Unless you exercise your 100-Day Option or Early Buy-Out Option set forth below, the "Total Cost" of the Property under this Agreement will be $ 1,127.81. The Total Cost is based on an Initial Payment of $ 0.00 payable on the date of this Agreement (the "Required Initial Payment"), if any, a processing fee (which is not a payment towards the cost of your rental) of $ 0.00 (the

"Processing Fee"), if any, 78 additional payments of $ 13.42 (as adjusted, a "Regular Payment") each, payable weekly. The Total Cost also reflects any additional cash paid today, if any. Your total initial payment due today is $ 81.22, which is the sum of the Required Initial Payment, if any, Processing Fee, if any, and any additional cash paid today. If you do not remit any applicable Processing Fee or Initial Payment at the time of lease, it is included in the Regular Payments set forth above. The Total Cost does not include late payment, nonsufficient funds, default, pickup, reinstatement, or other fees, if any, disclosed below. You should read this Agreement for an explanation of any applicable additional fees. The cost of your rental ("Cost of Rental") is the difference between the Total Cost and Cash Price, and will be $ 581.44.

Expected Delivery Date; First Regular Payment; Date of Our Acquisition. The Required Initial Payment, if any, covers the rental period that begins on the date you receive the Property and ends on your first Regular Payment date. Your first Regular Payment date will be at least seven days after the later of 02/20/2023 (i) (the "Expected Delivery Date"), and (ii) the date on which the Property is provided or delivered to you. We are acquiring the Property from the Retailer on or about the Delivery Date.

100-Day Option. At any time during the first 100 from the Expected Delivery Date, the "100-Day Option" applies, and you may acquire ownership of the Property by paying us the amount by which (i) the sum of the 100 - Day Amount, the Processing Fee, if any, applicable sales or use taxes, and any unpaid fees we have charged, exceeds (ii) the amount of any Initial Payment and Regular Payments you have made. The 100 Day Amount is $ 465.15. Early Buy-Out Option. After your 100-Day Option expires, you may exercise an early purchase option ("Early Buy-Out Option"), which is an amount equal to (i) any past due payments and fees plus (ii) the Cash Price stated in this Agreement multiplied by a fraction that has as the numerator the number of periodic payments remaining under this Agreement and that has the denominator the total number of periodic payments. Within 10 days after you execute this Agreement, we will personally deliver or send by first-class mail to you a notice informing you of this right, including the amount you must pay to acquire ownership and the date by which payment must be made. The attached chart shows the amount required to exercise your Early Buy-Out Option after each renewal payment, assuming you make each periodic payment on time.

CA 02/2021

Page 1 of 13

Document ID: 234521e6-58c5-4ace-8f53-1d24343aa853

Copy

of

Original

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 Feb. 20, 2023 04:49:04 PM MST; Document Identifier: T:195*******-D:195*******. No Security Deposit Required. No security deposit is required under this Agreement. Lease Term, Subsequent Terms; Renewal. Subject to renewal as provided herein, your initial lease term 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 as permitted hereunder and surrender the Property in its original condition, less reasonable wear and tear, as of the end of a lease term, or (iii) we terminate this Agreement in a manner permitted hereunder, this Agreement will automatically and repeatedly renew for additional lease terms, 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 lease terms will adjust accordingly.

Maintenance of the Property. We will keep the Property in good working order and repair without charging any fee to you. We will utilize any manufacturer's or seller's applicable warranty. If the repair or replacement cannot be immediately effectuated, we will provide substitute Property of comparable quality and condition. You will not be charged or held liable for any rental fee for any period during which the Property that is subject to this Agreement is not in good working order. Nothing in this section applies to the repair of damage resulting from your intentional, willful, wanton, reckless or negligent conduct.

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 form us, and we have not provided insurance or a liability damage waiver to you. 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.

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 or returning to us the Property in its original condition, less reasonable wear and tear. 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 return the Property to a reasonable place we designate. In connection with any termination, you will continue to be obligated for all Regular Payments, fees and charges that are due or past due as of the date of termination and any fees, charges and taxes imposed by governmental authorities in connection with termination. You must also pay any excessive wear and use fees as provided in this Agreement, subject to limitations of applicable law. Late Fees. This Agreement does not include late fees. Other Important Terms. See the other parts of this Agreement for additional important information on termination procedures, purchase option rights, responsibilities for loss, damage or destruction of the Property, actual or implied warranties, taxes, other charges and penalties you may incur, and other important information. You acknowledge that we provided you with a completed copy of this Agreement. You acknowledge that we made the disclosures at or before the consummation of the Agreement.

(1) Forty-Eight Hour Review Available. You have 48 hours to review this Agreement prior to signing. All other fees which may be charged, include fees for:

(1) Returned Payments or Nonsufficient Funds Fee: None (2) Reinstatement Fees: None (other than pickup and redelivery charges allowed by law)

TOTAL OF

PAYMENTS

$ 1,046.59

You must pay this

amount to own the

property if you make

all the regular

payments.

You can buy the

property for less

under the early

purchase options.

COST OF RENTAL

$ 581.44

Amount over cash price you will pay if

you make all regular payments, plus

the processing fee.

CASH PRICE

$ 546.37

Property available at this price for cash from the merchant. See about your early purchase option rights. AMOUNT OF EACH PAYMENT

$ 13.42

per weekly

NUMBER OF PAYMENTS

78

RENTAL PERIOD

18

CA 02/2021

Page 2 of 13

Document ID: 234521e6-58c5-4ace-8f53-1d24343aa853

Copy

of

Original

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 Feb. 20, 2023 04:49:04 PM MST; Document Identifier: T:195*******-D:195*******. By signing, you agree that you received a legible copy of this Agreement. You agree to the terms of this Agreement on all pages, including the "Customer Authorization for Payments via ACH," the "Jury Trial Waiver and Arbitration Clause," and the other terms below.

Customer Signature:

Digitally signed by Caballero, Isidoro

From Browser: Mozilla/5.0 (Linux; Android 13; SM-S906U) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/109.0.0.0 Mobile Safari/537.36

Client IP Address: 172.59.129.213

Date-time accepted: 2023-02-20T23:48:48

Signed method: eSign

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: John Cullerton, GM: Lease-to-Own

STANDARDS FOR WEAR AND USE. You may be charged for excess wear and use when you return the Property to us. The following standards apply for determining unreasonable or excess wear and use: You will not paint or letter the Property or modify any identification number of the Property. You will not add, remove or modify any accessories, equipment or parts without our prior written permission. The Property will not: Have damage, mechanical or electrical malfunction as applicable; be torn, burned, stained or shredded; have any dents, mold, or damage from water, sand, or freezing; or have inoperable parts. You must return the Property with all of its original parts. PROPERTY LOSS, THEFT OR DAMAGE. If the Property becomes lost, stolen, damaged or destroyed, you agree to pay us an amount equal to the lesser of: (i) the Property's fair market value, as of the time it is lost, stolen, damaged or destroyed

(determined by reference to an industry value guide we select); or (ii) the remainder of the cash price. 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 payment or other amount under the Agreement as provided and such non-payment continues for 10 days.

- 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.

- You die and there is no surviving customer.

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

- You assign the Agreement or transfer the Property.

- Unless prohibited by law, you violate any Agreement term. If this Agreement is in default, 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 repossessed or surrendered, in each case as permitted under this Agreement, this Agreement shall continue to renew, and we may continue to charge you rent 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 peacefully repossess the Property 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 recover the Property.

-Sums we spend taking any permitted action will be added to the amount accrued, unless prohibited by law. TAXES. You must immediately pay or reimburse us if we pay for you all government charges relating to the Property, including, but not limited to fees, taxes, fines and surcharges, whether assessed on you, us, or the Property. We may add the amount to what you owe us if you do not pay us when we make demand. If you do not pay such amounts when they CA 02/2021

Page 3 of 13

Document ID: 234521e6-58c5-4ace-8f53-1d24343aa853

Copy

of

Original

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 Feb. 20, 2023 04:49:04 PM MST; Document Identifier: T:195*******-D:195*******. are assessed (unless such results from our negligence), you must pay any penalties when due or reimburse us if we pay them.

TITLE. We retain title to the Property for the term of the lease and until you acquire ownership. PAYMENTS. We have scheduled debits from your checking account, as provided below: CONSUMER AUTHORIZATION FOR PAYMENTS VIA ACH (ACH DEBIT) AND CREDIT CARD AUTHORIZATION FORM

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 previously provided in that application. ACH Debits or Credit Card Debits for Payment(s). On 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 5393 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 additional payment card information provided to us during the application process from your credit card account ending in NA, or any subsequent 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.

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 less than or no greater 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 Authorization at any time for any reason, including excessive returned payments. If you revoke any 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 $ 0.00 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. COMMUNICATING WITH YOU; CALL RECORDING: 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 CA 02/2021

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Document ID: 234521e6-58c5-4ace-8f53-1d24343aa853

Copy

of

Original

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 Feb. 20, 2023 04:49:04 PM MST; Document Identifier: T:195*******-D:195*******. 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 other documents referred to herein, 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, if available, 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, and the period over which the Total Cost is paid, will remain the same as prior to the requested change. Any refences 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 Snap at your request. 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. You will keep the Property free from any liens or claims. You will not pawn or pledge the Property. You will not move the Property outside of the address you provided to us, and as updated, unless it is to return the Property to us, or our designee. 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. As applicable, for any boat, motorized vehicle, or otherwise applicable, you will not permit any person, including yourself, to operate the Property while such person is impaired by drugs, alcohol or from any other cause. You will not use the Property for commercial purposes.

WARNING: Unless you have acquired ownership of the Property, attempting to sell, pawn, or lien the Property is a breach of this Agreement and may violate state law.

ASSIGNMENT. You may not assign this Agreement or transfer the Property without our prior written permission. We may assign 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.

INSURANCE. We do not require you to purchase insurance from us and we have not provided any insurance to you. 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. Notices may be given personally or sent by first class mail. Notice mailed to us must be sent to the address shown in this Agreement, or as we otherwise direct from time to time. Notices to us are deemed given when they are personally given or actually received at our address. Notices are deemed given to you when they are personally given or CA 02/2021

Page 5 of 13

Document ID: 234521e6-58c5-4ace-8f53-1d24343aa853

Copy

of

Original

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 Feb. 20, 2023 04:49:04 PM MST; Document Identifier: T:195*******-D:195*******. when placed in the mail, addressed to you at your address then shown on our records, even though you might not actually receive our mailed notice. You agree that 30 days' notice is reasonable, unless state law requires a longer period, in which case you agree that the state-required period is reasonable. You authorize us to send notices to your email address unless prohibited by law.

JURY TRIAL WAIVER AND ARBITRATION CLAUSE. By signing, you agree to this Jury Trial Waiver and Arbitration Clause ("Clause").

Background and Scope

What is arbitration? An alternative to

court.

In arbitration, a neutral third party ("Arbiter") resolves Disputes in a hearing ("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. Arbiters may limit pre-hearing fact finding, called

"discovery." The decision is final. Courts rarely overturn Arbiters. 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

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