I or we if there is a co-applicant (the “Applicant” or “I”) acknowledge that by clicking the box, “I Accept & Agree with the Authorization, Disclosures, Terms and Conditions and the Arbitration Provision” (contained in this website link), I am indicating my intent to sign this Credit Application and that this shall constitute my/our signature. I acknowledge that I have viewed, read and agreed with the “Authorization, Disclosures, Terms and Conditions and the Arbitration Provision” (contained in this website link) before signing this completed Credit Application; and, I have signed this completed Credit Application with one or more electronic signatures and my electronic signature has the same effect as my written ink signature. I agree and acknowledge that by providing my name, social security number or tax payer identification number, birth date and/or other Identifying Information in the Credit Application Information, I confirm my intent to apply for credit, to sign the Credit Application and to provide the authorizations given above and confirm the validity of my signature. The Creditor (including any assignee, transferee, or successor of the Creditor, including, specifically, Home Acceptance Corporation) may rely on this authorization as if I had personally signed this completed Credit Application.

By clicking on the box, “I (the “Applicant”) Accept & Agree with the Authorization, Disclosures, Terms and Conditions and the Arbitration Provision” (contained in this website link)

AGREEMENT TO ARBITRATE (If You Check the Box): You (the “Applicant”) agree and accept the Arbitration Provision (contained in this website link), the Applicant or We may elect to resolve any dispute by neutral, binding arbitration and not by a court action (except, for a small claims court action). See the Arbitration Provision for additional information concerning the agreement to arbitrate.