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. a • Notice for Maine Residents: Lender may request a consumer report in connection with Borrowers application for credit. Borrower may ask whether a consumer report was obtained by Lender and Lender wil{ tell Borrower the neme and address of the consumer reporting agency,if a report was obtained. Notice for New York Residents: Consumer reports may be requested in connection with the processing of the application and any resulting Note. Upon Borrower's request, Lender will tell Borrower whether or not a consumer report was requested and the names ' and addresses of any consumer reporting agencies that have provided Lender with such reports. Notice for Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy consumers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio II Civil Rights Commission administers compliance with this law. Notice for Vermont Residents: A consumer credit report may be requested in connection with this application or.in connection � with updates, renewals or extensions of any credit granted as a result of this application. Upon Borrower s request, Borrower will be ', informed whether or not such a report was requested and,if so,the name and address of the agency that fumished the report. I Notice for Wisconsin Reside�ts: Wisconsin law provides that no provision of any marital property agreement, unilateral statement, or court decree applying to marital property will adversely affect a creditors interests unless the creditor, prior to the time credit is granted, is fumished witfi a copy of the agreement, statement, or decree, or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. ARBITRATION: All disputes, claims, or conUoversies arising from or relating to this Note or the relationships which result from this Note and/or any guaranty of this Note, or the validity of this arbitration clause or the entire Agreement, shall, at the election of either party, be resolved by binding arbitration by one arbitrator selected by me with your consent,or appointed by a court if I fail to select an arbitrator or we cannot agree upon an arbitrator. Any arbitration under this provision shall be conducted according to the rules of either the National Arbitration Forum, J.A.M.S./Endispute, or the American Arbitration Association. I have the right to select which of these arbitration forums to use; but if I do not make a timely selection, you may choose one. This arbitration agreement is made pursuant to a transaction in interstate commerce, and shall be govemed by the Federal Arbitration Act at 9 U.S.C. Section 1, et seq. Judgment upon the award rendered may be entered in any court having jurisdiction. The parties agree and understand that they choose arbitration instead of litigation to resolve disputes. The parties understand that they have a right or opportuniry to litigate disputes through a court, but that they prefer to resolve their disputes through arbitration, except as provided herein. THE PARTIES VOLUMTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL EITHER PURSUANT TO ARBITRATION UNDER THIS CLAUSE OR PURSUANT TO A COURT AGTION BY YOU (AS PROVIDED HEREIN). The parties agree and understand that all disputes arising under case law, statutory law, and all other laws including, but not limited to, all contract, tort, and property disputes, will be subject to binding arbitraGon in accord with this Note. The parties agree and understand that the arbitrator shall have all powers provided by the law and this Note. These powers shall include all legal and equitable remedies,including,but not limited to, money damages,declaratory relief, and injunctive relief. The institution and maintenance of any action for judicial relief in a court to obtain a monetary judgment or to enforce this Note, shall not constitute a waiver of the right of any party to compel arbitration re ardin an dis ute or remed sub'ect to arbitration in this Note. ANY HOLDER OF THI5 COIVSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAlMS AIdD DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. BY SIGNING THE PAYMENT AUTHORIZATION FORM BEARING THE SAME LOAN NUMBER REFERENCED AT THE TOP OF THIS NOTE, ItWE, THE ABOVE-NAMED BORROWER(S), ACKNOWLEDGE 7HAT INVE HAVE READ AND UNDERSTAND ALL TERMS AND CONDITIONS OF THIS NOTE � DISCLOSURE STATEMENT, INCLUDING THE ARBITRATION CLAUSE, AND INVE ACKNOWLEDGE RECEIPT OF A COMPLETELY FILLED-IN COPY OF THIS NOTE. INVE FURTHER ACKNOWLEDGE THAT 7HE LOAN PROCEEDS WILL BE USED ONLY AS SET FORTH 1N SECTION 1 ABOVE. SlGN THE PAYMENT AUTHORIZATlON FORM AFTER PRQJECT IS SATISFACTORILY COMPLETED. 1-2000-7 Rev.3l6l15