By submitting your information on this website you agree to binding arbitration. You and I agree that any controversy or claims arising out of relating to this contract shall be settled by binding arbitration administered by the National Arbitration and Mediation in accordance with its Rules and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Your costs will be the same as if you had filed suit in a district court in the county this agreement was signed. You and I waive the right to file, participate in, or be represented in class action, collection action, or representative action. This clause is governed by and is based upon the United States Arbitration Act. (You may get a copy of the NAMs rule at http://www.namadr.org).

Everything that I have stated in this application is correct. I understand that you will retain this application whether or not it is approved. You are authorized to check my credit, employment history and to answer any questions about your credit experience with me. You are authorized to contact references I provide in an attempt to locate me, to contact me by telephone, text, email, or letter at my telephone numbers (including cell phone, home phone and work phone), email address, and visit me at my physical home address to solicit me or collect on my account.