Finance Anti-Steering Document

FINANCE ANTI-STEERING AGREEMENT

Parties and Effective Date

Effective Date: . This Finance Anti-Steering Agreement (Agreement) is entered into between the Finance Provider identified above and the Client identified above (each a Party and collectively the Parties) to set forth covenants, disclosures, and remedies related to the direction or recommendation of financing products, terms, or payment methods.

Provider Contact & Registration

Recitals and Definitions

Recitals: The Provider offers various financing products, including but not limited to secured loans, unsecured loans, lease-to-own arrangements, and merchant financing. The Client seeks financing and relies upon the Provider for information and recommendations. For purposes of this Agreement, "Steering" means any conduct by the Provider that intentionally directs the Client to select a financing product or payment network that is not reasonably in the Client's economic interest, where the direction is materially motivated by Provider compensation or other non-client-aligned incentives.

Anti-Steering Covenants

Provider covenants that, in connection with marketing, quoting, recommending, or originating any financing product for the Client, Provider shall:

1. Present materially accurate and complete comparisons of reasonably available financing alternatives based on factors that are reasonably likely to be significant to the Client, including but not limited to total cost to the Client, periodic payment, term, fees, and prepayment penalties;
2. Not direct, recommend, or incentivize the Client to choose a higher-cost product over a lower-cost product unless Provider documents a good-faith determination that the higher-cost product is reasonably necessary to accomplish an objective that is demonstrably in the Client's best interest;
3. Disclose in writing any direct or indirect compensation, fee differentials, rebates, or referral payments from third parties that would reasonably be expected to influence Provider's recommendation for the Client's financing selection.

Compensation Disclosure

Provider hereby discloses the general method of compensation applicable to the transaction(s) with Client. Compensation shall be calculated as follows: Basis of compensation: ; Amount or rate (if percentage): ; Estimated dollar amount to Client for the presented product(s): .

Provider shall provide, upon Client request and prior to execution of financing documents, a written itemization of all compensation, credits, referral fees, and direct or indirect payments associated with each financing alternative materially presented to the Client.

Client Acknowledgment and Election

By initialing and signing below, Client acknowledges receipt of the above disclosure and acknowledges that Provider has explained available alternatives in a manner the Client understands. Client further acknowledges that Provider has disclosed any material conflicts of interest and the likely impact of Provider compensation on the recommendations made.

Client Election: I elect to proceed with the financing product described to me as: . Client understands that this Election does not waive Client's rights to review written financing documents or to rescind any transaction if permitted by law or contract.

Representations, Indemnity and Remedies

Provider represents that the foregoing disclosures are true and complete to the best of Provider's knowledge. Provider agrees to indemnify and hold harmless Client from any third-party claims arising from Provider's breach of the covenants herein, except where such claims arise from Client's own material misrepresentations.

In the event of a material breach of this Agreement by Provider, Client may seek remedies including, but not limited to, actual damages, equitable relief (including injunctive relief), and reasonable attorneys' fees. The Parties agree that, where appropriate and enforceable, liquidated damages may be set at: , which the Parties acknowledge is a reasonable estimate of anticipated harm and not a penalty.

Conflicts of Interest

Provider shall identify any material conflicts of interest that could affect independence of recommendation, including ownership interests in third-party financing sources or material referral arrangements. Where a material conflict exists, Provider shall (a) disclose the conflict in writing, (b) document the factual basis for any recommendation that may be affected by the conflict, and (c) obtain a written acknowledgment from Client prior to consummation of the transaction.

Notices

All notices required or permitted by this Agreement shall be delivered to the addresses provided above and shall be deemed received (a) upon personal delivery, (b) on the date of electronic delivery if such delivery is acknowledged by the recipient, or (c) three (3) business days after deposit with a nationally recognized overnight courier.

Governing Law and Miscellaneous

This Agreement shall be governed by and construed in accordance with the laws of the state of , without regard to choice of law principles. If any provision is held unenforceable, the remaining provisions shall remain in full force and effect.

Acknowledgments (Checkboxes)

I acknowledge receipt of Provider's compensation disclosure and explanations of available alternatives.

Provider represents that there are no additional undisclosed incentives that would materially influence the recommendation.

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