Online Financing Agreement

ONLINE FINANCING AGREEMENT

This Online Financing Agreement ("Agreement") is made and entered into as of the date of the last signature below by and between:

Lender Name:     Lender Address:

Borrower Name:     Borrower Address:

RECITALS

WHEREAS, Lender provides online point-of-sale and consumer financing for purchases and services through electronic applications and digital contracts; and

WHEREAS, Borrower has applied for financing and desires to obtain financing from Lender for the purposes set forth in this Agreement; and

WHEREAS, the parties intend to set forth the terms under which such financing will be provided, repaid, and secured, if applicable.

SCOPE OF WORK

The Lender agrees to provide financing to the Borrower for the use and purposes described below. The Borrower agrees to use financed proceeds solely for the described purposes and in compliance with applicable law.

PAYMENT TERMS

Principal Amount:     Interest Rate (annual APR):

Finance Charges / Fees (if any):

Number of Payments:     Payment Frequency:     First Payment Date:

Payments shall be applied first to accrued late charges, then to interest, then to principal. Borrower authorizes Lender to collect payments by ACH, debit card, or other electronic means where authorized by the Borrower.

Late Fee: or of missed payment, whichever is greater.     Grace Period (days):

In the event of default, as defined herein, the Lender may accelerate all sums due, pursue collection, and recover costs of collection including reasonable attorneys' fees and expenses to the fullest extent permitted by law.

By checking this box, Borrower authorizes recurring electronic debits for scheduled payments from the account provided to Lender.

TERM AND TERMINATION

Agreement Start Date:     Agreement End Date:

Either party may terminate this Agreement for material breach by providing written notice to the other party. Notice Period (days): . Termination shall not relieve Borrower of obligations accrued through the effective date of termination, including outstanding principal, interest and fees.

CONFIDENTIALITY

Each party shall treat as confidential all non-public business, financial, and technical information of the other party disclosed in connection with this Agreement. Confidential information shall not include information that: (a) is or becomes public through no fault of the receiving party; (b) was rightfully in receiving party's possession without restriction prior to disclosure; or (c) is independently developed without use of the disclosing party's confidential information. This obligation shall survive termination of this Agreement for a period of three (3) years.

DATA SECURITY AND PRIVACY

Each party shall maintain reasonable administrative, technical and physical safeguards to protect personal and financial data processed pursuant to this Agreement. Parties shall comply with applicable data protection and consumer financial laws. In the event of a security breach that materially affects the other party, the breaching party shall provide prompt notice and cooperate to mitigate harm.

GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the state of without regard to conflict of law principles. Venue for any action arising hereunder shall be in the state or federal courts located in that jurisdiction.

ENTIRE AGREEMENT; AMENDMENT

This Agreement, together with any schedules, payment schedules, disclosures, and electronic acknowledgements executed by the parties, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior and contemporaneous agreements, proposals and communications, whether oral or written. Any amendment or modification must be in writing and signed by both parties.

NOTICES

REPRESENTATIONS; DEFAULT

Each party represents and warrants that it has full power and authority to enter into this Agreement and to perform its obligations. Borrower represents that all information provided to Lender in connection with this financing is true, complete, and accurate. Default includes failure to pay when due, insolvency, material breach of representations, or unauthorized transfer of collateral. Upon default, Lender may exercise all rights and remedies provided under this Agreement and applicable law.

MISCELLANEOUS

If any provision of this Agreement is found invalid or unenforceable, the remaining provisions shall continue in full force and effect. Neither party may assign its rights or delegate its obligations under this Agreement without the prior written consent of the other party, provided that Lender may assign or transfer its rights to an affiliate or successor without Borrower's consent upon notice.

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