CARDHOLDER AGREEMENT AND DISCLOSURE
IMPORTANT—PLEASE READ CAREFULLY

This Cardholder Agreement and Disclosure, (hereinafter referred to as the "Terms and Conditions” or "Agreement”) covers Your rights, and the rights of GFN, Inc. ("GFN”), a Delaware limited liability company, First California Bank, ("First California Bank”), a nationally chartered financial institution and Member FDIC, and their respective affiliates and representatives (collectively "Our Rights”) relating to Your election to participate in the TREO™ Card Program and, the issuance to You, and Your use of, the TREO Card (the "Card”) issued by First California Bank ("the Bank”) pursuant to a license from MasterCard® Worldwide ("MasterCard”). By using or authorizing any other person to use Your Card, You agree to be bound and restricted by the following terms and conditions.

1. Use of the Card. This is a prepaid Card that may be used to make both signature-based (non-PIN) and PIN-based Transactions, including the purchase or lease of goods or services from retail merchants that elect to honor this Card, or cash withdrawal from ATMs and banks that accept the Card. When the Card is used for a signature-based Transaction, a PIN is not needed for identification of the Cardholder or for authorization of the Transaction. The PIN issued with this Card will be required for any PIN-based purchases at any ATM or retail location that allows PIN-based Transactions. Generally, cash cannot be received back from any Merchant in any signature-based (non-PIN) Transaction. You may not transfer the Card.

2. Receipt of Payment via the Card. Your company or employer (Your “Company”) may transfer funds to a Card Program account maintained at the Bank. You can in turn access Your funds through Your use of the Card. Once the value of the card is fully used, the Card will no longer be usable for any Transaction until additional funds are transferred to the Card Program account maintained at the Bank. Since the Card’s value has been prepaid, You should treat the Card the same way that you treat cash.

3. Loading Your Card. You may add funds to Your Card (called “value load(ing)”, “reload(ing)”, or “value reload(ing)”) at any time within the following limitations. The maximum number of times You may value load Your Card is two (2) times per day with a maximum of sixteen (16) times per month. You may value load Your Card via the methods listed below.

• Card-to-Card Transfer – Transfer Funds from other Treo Payroll Cards. Value loads done by Card-to-Card transfers are posted within 24 – 48 hours of receipt and are limited to $5,000.00 per value load.
• Electronic Funds Transfer (“EFT”) – Transfer Funds from Your checking or savings account. EFT transfers may take 5-7 business days for processing and are limited to $500.00 per value load.
• Company Direct Deposit – Value loads done by Company direct deposit are posted within 24-48 hours of receipt and are limited to $5,000.00 per value load.

4. Limitations on Loading and Usage. The maximum cumulative amount that may be withdrawn from ATMs per day and the maximum value of Your Card is found in the Terms and Conditions Addendum printed on the card carrier you received when you obtained your Card.

5. Expiration or Termination of Your Card. The Card shall expire and no longer be valid for use upon the first to occur of: (i) the expiration date on the face of the Card, or (ii) the termination of the Stored Value Prepaid Card Sponsorship Agreement by and between the Bank and GFN, or (iii) other termination as determined by the Program Provider. Reloadable cards will have an expiration date thirty-six (36) months from the date of issue. Reloadable cards will be automatically re-issued providing there are funds remaining on the card as of the expiration date. The unused prepaid monetary value accessible by the Card may only be redeemed or used by You in accordance with the terms of this Agreement. If the card is not reissued or is terminated, You may claim all or any portion of the unused monetary value of the Card by writing to the Program Provider at the Notice Address, and request a refund of the unused balance, including in your request the Card number, Your name and address. We will send a check to You in the amount of the remaining balance less a processing fee of $1.95 and any applicable monthly fees or charges. To allow for the processing of outstanding Transactions, the final unused prepaid monetary value available to be redeemed may not be determined by Us for up to sixty (60) days following the expiration of the Card.

6. Features of Card; POS and ATM Transactions.
A. Card Balance; Inquiries on Your Card Balance; No Periodic Statement. It is Your responsibility to keep track of Your Card Balance. When You use Your Card to make a Transaction, You should be aware of the Card Balance to ensure that the amount of Your Transaction does not exceed Your available Card Balance. The full amount of each Transaction, including applicable taxes, tips and fees will be deducted from Your Card Balance if such balance is sufficient to complete the Card Transaction. The use of Your Card to purchase goods and/or services results in a simultaneous reduction from and/or a demand upon the funds available by access with Your Card, even though each Transaction may not actually be posted to Your Card Balance until a later date. We have the right to hold or restrict access to funds in an amount greater than the Transaction amount authorized by a retail Merchant until the Transaction is processed. To learn the amount of Your Card Balance available with Your Card, or for other information regarding Your card, You may call 1-888-211-8643 24 hours/7days week; or visit www.treocardservices.com, where you can obtain your Card Account history, view limited prior statements, and obtain your Card Balance. In addition, You may obtain your Card Balance through a balance inquiry Transaction by using Your Card at any ATM bearing one of the logos found on the back of Your Card.

B. POS (Purchase) Transactions. You must place Your signature on the reverse side of Your Card. You may use the Card at any retail establishment ("Merchant") where Cards bearing the MasterCard logo are accepted to purchase or lease goods and services at a terminal operated by a Merchant (“POS (Purchase) Terminal"). If You use the Card to request a POS Transaction, You are authorizing a reduction in the current prepaid monetary value accessed by the Card in order to cover the amount of the purchase and any fees for the Transaction. Transactions will not be authorized if there is not a sufficient unused monetary value accessible by the Card to cover the Transaction and any fees.

C. Special Usage Situations. Restaurants, hotels and some other businesses may seek authorization from Your Card for 10% to 20% more than the purchase amount in order to cover any anticipated gratuity or incidental charges. Because this authorization may be greater than the balance available on Your Card, it is possible that Your Card may be declined. You may request a "split Transaction" from a Merchant to pay for any remaining balance exceeding the available balance on Your Card. For example, if You wish to make a $20 purchase, but only have $15 remaining on Your Card, You may use Your Card to pay $15 and pay the remaining $5 balance by other means such as cash, check or credit card. Whether a Merchant allows a split Transaction is the decision of the Merchant and we have no liability what-so-ever with regards to any Merchant decisions.

D. ATM Transactions; Personal Identification Number ("PIN"). A PIN will be required to conduct any eligible ATM Transaction. The Card may be used with a PIN at any ATM bearing one of the logos found on the back of Your card to withdraw cash or obtain balance information. When You use the Card to request a cash withdrawal or other ATM Transaction, You are authorizing a reduction in the then current prepaid monetary value accessed by the Card in order to cover the amount of the requested cash withdrawal and all fees charged for such Transactions including any ATM owner access fee. An ATM Transaction will not be authorized if there is not a sufficient Card Balance accessible by the Card to cover the amount of the ATM Transaction and any fees, including the ATM owner access fee.

E. Risk of Loss; Lost or Stolen Card. THE TREO CARD IS LIKE CASH. YOU AGREE TO USE YOUR BEST EFFORTS TO PROTECT YOUR CARD AGAINST LOSS, THEFT OR UNAUTHORIZED USE. IF YOU DO NOT, YOU ASSUME ALL RISKS OF LOSS FROM A LOST OR STOLEN CARD. YOU AGREE THAT IF YOU GIVE YOUR CARD OR PIN NUMBER TO SOMEONE ELSE TO USE, OR IF YOU PERMIT AN ADDITIONAL CARDHOLDER, YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE FULLY RESPONSIBLE FOR ANY AND ALL USE OF THE CARD BY THEM. YOU MUST NOTIFY US IMMEDIATELY BY CALLING 1-888-211-8643 IF YOU BELIEVE THAT YOUR CARD HAS BEEN LOST OR STOLEN OR THAT SOMEONE HAS LEARNED YOUR PIN OR CARD NUMBER. TO THE EXTENT PERMITTED BY APPLICABLE LAW, NEITHER THE BANK NOR GFN ARE RESPONSIBLE FOR LOST OR STOLEN CARDS OR PIN NUMBERS OR ANY UNAUTHORIZED TRANSACTIONS MADE WITH THE CARD. You could lose all of Your Funds. If You notify Us within two (2) business days, You can lose no more than $50.00 if someone used Your Card without Your permission. If You do not notify Us within two (2) business days after You learn of the loss or theft or loss of Your Card, and if We can prove that We could have stopped someone from using Your Card without permission if You had promptly notified Us, You could lose all of the money represented by the Transaction(s) at issue. You must notify Us immediately if Your Card statement shows transfers or Transactions that You did not make or authorize. If You do not notify Us within sixty (60) days after the statement was delivered to You, and if We can prove that We could have stopped someone from taking or using the money if You had notified Us in time, You may not get back any money that You lost after the sixty (60 days). In case of suspected errors or questions about Your use of the Card, telephone Us toll free at 1-888-211-8643 or write Us at the Notice Address. If You tell Us verbally, We require that You confirm the information You provided Us in writing within ten (10) business days. We will determine whether an error has occurred within ten (10) business days after We hear from You in writing and will refund promptly to You the amount of any error. You may request a replacement Card if it is lost or stolen, but We reserve the right in our sole discretion, to determine whether to issue a replacement Card to You. If We do not issue a replacement, You may claim any portion of the unused value of the Card Balance as explained within this agreement. If you request a replacement Card, and we agree to provide one to You, the Service fee of $14.95 will be charged to your Card. At Your request, we can expedite the replacement Card delivery for a $35.00 expedite fee.

F. Risk of Loss; Errors. You should get a receipt at the time You use Your Card at any ATM, or to purchase goods or services through a Merchant at retail or other establishment. If You think a receipt is wrong or if You need more information about a Transaction listed on a receipt, We must hear from You no later than sixty (60) days after the receipt was issued on which the problem or error appeared. You may contact Us by telephone at 1-888-211-8643 or write Us at the Notice Address.

1. Tell Us Your name and the name of the Purchaser of the Card.
2. Tell Us the number of the Card and the dollar amount of the suspected error.
3. Describe the error or the Transaction You are unsure about, and explain as clearly as You can why You believe it is an error or why You need more information.

G. Liability for Failure to Complete Transactions. If We do not properly complete a Transaction for You on time and in the correct amount, We could be liable for Your losses or damages (subject to the limitations of liability provided herein). However, there are some exceptions: i) if through no fault of Our own, You do not have adequate Funds available to complete the Transaction; ii) if an ATM where You are making a withdrawal does not have enough cash; iii) if an electronic terminal where You are making a Transaction does not operate properly, and You knew about the problem when You initiated the Transaction; iv) if circumstances beyond Our control (such as fire, flood or communications or computer failure) prevent the completion of the Transaction, despite Our reasonable efforts; (v) if access to Your account has been blocked after You have reported Your Card lost or stolen; vi) if a Merchant refuses to accept Your card; vii) if there is a hold on Your Card Account for any reason; viii) if Your Funds are subject to legal process or other encumbrance restricting their transfer; or ix) if Your transfer authorization terminates by operation of law. There may be other applicable exceptions not listed above, but stated elsewhere in other agreements between You and Us.

H. Card Issuance. Each Card is owned and issued by the Bank and is its’ property. You must surrender the Card to the Bank, or its agent upon its request.

I. Responsibility for Goods or Services. We are not responsible if any Merchant or ATM does not honor Your Card or for defects in or non-delivery of any goods or services You purchased or leased by using the Card or the failure of any ATM to correctly complete a Transaction. You do not have any right to stop payment on any Card Transaction made using Your Card. We are not responsible for any injury to You or to anyone else caused by any goods or services purchased with Your Card. You are responsible for resolving all disputes with the Merchant that accepted Your Card regarding the quality of the goods and services purchased from such Merchant by use of Your Card. Your use of the Card is subject to the restrictions and limitations set forth in this Agreement. When purchasing gasoline using Your Card, You should pay for Your purchase at the gas station service counter and not at the automated fuel dispensers (i.e., gas pumps).

J. Authorization. All ATM and POS Transactions will be subject to the terms of this Cardholder Agreement. Nothing in this Cardholder Agreement shall require Us to authorize any Transaction.

K. Network Rules. The confidential and proprietary network operating rules and regulations of the ATM networks and MasterCard, including without limitation, procedures for authorization of ATM and POS Transactions and duties and remedies for reversals and adjustments of ATM and POS Transactions, will apply to each ATM and POS Transaction, respectively in accordance with the appropriate network rules. Except as permitted in the network rules, You cannot assert any claim or defense You may have against any Merchant in a POS Transaction or a bank in an ATM Transaction against settlement and payment of such Transaction.

L. Prohibited Activity. Pursuant to federal law governing Transactions with sanctioned countries, You may not be able to complete Transactions with or in countries as established by the United States Department of the Treasury's Office of Foreign Assets Control. You must use the Card for valid and lawful purposes only. If You use, or We in the exercise of our sole discretion suspect that You have used, the Card for any fraudulent, impermissible or illegal acts or such other similar purposes or Transactions, including, without limitation unlawful gambling activities (herein called a “Prohibited Activity”), We may suspend or terminate You from the Program and/or cancel Your Card. You must promptly reimburse the Program Provider, MasterCard and/or the Bank, as the case may be, for all amounts or expenses incurred as a result of such use. If We cancel Your Card due to Your engaging in Prohibited Activity, We will attempt to notify You by U.S. mail. Upon cancellation of the Card privileges, You must immediately discontinue Your use of the Card and either destroy it or return it to Us. The suspension or cancellation of Your Card privileges will not affect Your rights and obligations under this Agreement, except that if such suspension or cancellation is due to any Prohibited Activity engaged in by You, You will forfeit, where permitted by law, the entire remaining monetary value on the Card. We reserve the right to block Prohibited Activity and not approve any authorization request for a Prohibited Activity. Card Transactions for any Prohibited Activity made by or for Your benefit shall be considered authorized by You, and You assume all responsibility and liability for all losses, costs and expenses You incur as a result of such use. If We take legal action or begin legal proceedings against You because of Your default in the terms of this Agreement, You agree to pay the reasonable attorney’s fees and other costs incurred by Us.

M. Your Address. The address associated with Your Card will be the address which was provided to Us by You upon purchase of the Card. However, if the Cardholder is someone other than You, we may respond to any written inquiries based on the name and address included in the inquiry or request.

N. Overdrafts. Because the Card may be used for non-PIN based purchases, under certain conditions it may be possible for a Cardholder to charge more than the prepaid amount ("Overdraft"). In such circumstances, We will hold You liable for such overdrafts and associated fees charged. We have no obligation to allow any Overdraft. However, if an Overdraft is inadvertently authorized by Us, You agree to repay in full, promptly upon Our demand, the amount of any and all Overdrafts, plus accrued interest thereon until paid in full at the highest rate permitted by applicable law, plus all reasonable attorney fees, collection expenses and court or arbitration costs and expenses to the extent permitted by law. We reserve the right to charge more than the prepaid amount or remaining balance.

O. Fees. You agree to pay all of the fees charged by Us which are detailed here and in the TREO Card Terms and Conditions Addendum which is included with Your Card, as amended from time-to-time.

7. Foreign Transactions. If You obtain Your funds or make a purchase in a currency other than the currency in which Your Card was issued, the amount deducted from Your funds will be converted by MasterCard into an amount in the currency of Your Card. MasterCard will establish a currency conversion rate for this convenience using a rate selected by MasterCard from a range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate MasterCard itself receives, or the government mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the Program Provider. This percentage amount is independent of any amount taken by the Program Provider in accordance with these Terms and Conditions. If You obtain Your funds in a currency other than the currency in which Your Card was issued, the Program Provider will increase the currency conversion rate by an additional 1% and will retain this amount as compensation for its services. This charge is independent of the currency conversion rate established by MasterCard.

8. Periodic Card Statements. Statements in electronic format will be made available free of charge at www.treocardservices.com during each month in which a Transaction occurs. Unless requested by you, we will not issue any paper periodic statements showing Transactions performed or the unused monetary value left on the card, and You hereby irrevocably waive any right that You may have to receive a written statement showing Your Card Balance and any Transaction activity unless You write Us, in care of the Notice Address, requesting that such paper periodic statement be mailed to You. If You elect to receive a paper periodic statement, Your Card Balance will be charged a statement fee of $5.95 at the end of each statement period for which Your Card is active even if your Card Balance is insufficient until such time as you Notify Us in writing that You wish to stop receiving paper periodic statements. You agree that these are reasonable procedures for sending and receiving paper periodic statements. You can also request to receive the following information:

Copies of this Agreement, any Amendments or Addendums to this Agreement, or any other terms or conditions of Your use of the Card;

Copies of all other disclosures, notifications and information relating to the Card and the terms of Your use of the Card.

9. General
A. Customer Relationship; Release of Liability. Neither You, nor any Merchant is an agent or partner of GFN or the Bank. Neither GFN nor the Bank shall have any liability or obligation as to the use of the Card or participation in the Program, and You hereby release and discharge GFN and the Bank from any and all claims, actions, causes of action, disputes, liabilities, costs and damages that You may have in connection with any action or omission of GFN, the Bank or any Merchant and their respective affiliates, agents or vendors, in connection with Your use of the Card.

B. Limited Liability; Limitation of Our Liability. Except as required by applicable law, neither the Bank nor GFN will have any liability to You of any kind whatsoever (i) for performing or failing to perform any services in connection with this Agreement or the Card Program, unless We have intentionally acted with malice or in bad faith; or (ii) for any Merchant or other person that does not honor Your Card; or (iii) for any defects in or non-delivery of any goods or services purchased using Your Card. Without limiting the foregoing, neither the Bank nor GFN shall be liable for any failure to fulfill any obligations hereunder or under any other agreement due to causes beyond the control of either the Bank or GFN including, but not limited to, acts or omissions of government or military authority, acts of terrorism, acts of God (including earthquakes and floods), shortages of materials, explosions, embargoes, telecommunications failures (including any systemic internet failures and any interruptions in services of any of Our internet service providers), transportation delays, fires, labor disturbances, riots or wars. If an arbitrator finds that either the Bank or GFN is liable to You or any other Cardholder because of what either the Bank or GFN did or did not do under or in connection with this Agreement, You may recover only Your actual and direct damages, and in no event will You be able to recover from either the Bank or GFN any indirect, incidental, special, consequential, exemplary or punitive damages, even if we are aware of or have been advised of the possibility of such damages. Any claims against the Bank or GFN must be submitted no later than ninety (90) days after the date of the purchase Transaction for which such claim relates or arises. The Program Provider is not an agent or partner of either Us or MasterCard, and neither Us nor MasterCard shall have any liability or obligation for, and You hereby release Us and MasterCard from, any and all claims arising in connection with (a) any action or omission of the Program Provider, its affiliates, agents, or alliance partners under the Program, (b) Your use of the Card as a participant in the Program, and (c) Your use of the Card in a Card Transaction. We may discontinue Our participation in the Program at any time without notice to You.

C. Unclaimed Funds. The balance remaining on Your Card may become unclaimed funds escheatable to the State, if, as shown by the Our records, You have not, within the statutory period, requested a refund of unused funds on Your expired Card, corresponded with the Us concerning the Card, or transacted any business on the Card. If that occurs, the funds will escheat to the State in which Your last known address was located, according to Our records.

10. Confidentiality. We may disclose information to third parties about Your Card Transaction history: i) where it is necessary for completing Transactions; ii) in order to verify the existence and conditions of Your Card and Funds for a third party, such as a credit bureau or Merchant; iii) in order to comply with government agency or court orders, or other legal reporting requirements; and/or iv) if You give Us Your written permission. Additionally, information concerning Your Card Transaction history may be shared within Our organization, Our affiliates and with those third parties that assist Us with managing the Program and Your account. Other information You have given Us in connection with obtaining a Card, or information We may receive from other third parties, also may be shared within Our organization and affiliates and with those third parties that assist Us with managing the Program and Your account.

11. Business Days. Our business days are Monday through Friday, 8:00 am – 5:00 pm, EST, with the exception of any state or federal holidays.

12. Cancellation and Amendment. We may change or amend the terms of this agreement at any time. You will be notified of any changes in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, We can implement such change without prior notice. We may cancel or suspend Your Card or this Agreement at any time and at our sole discretion. If You wish to cancel this Agreement, You may obtain the value stored on the Card, less any fees and other amounts due and owing by calling 1-888-211-8643 or by written submission, along with the card, to GFN at the Notice Address. Your termination of this Agreement will not affect any of Our rights or Your obligations arising under this Agreement prior to termination.

13. Severability. In the event that any provision of this Agreement is determined to be invalid, illegal or unenforceable, such determination shall not affect the other provisions of this Agreement.

14. Governing Law. This agreement shall be governed by, and construed in accordance with, the laws of the State of New York.

15. Notice Address. All Notices required hereunder shall be sent to the Cardholder at the address designated within the application, and to Us at: GFN Customer Service 70 West 40th Street, 8th Floor, New York, NY 10018.

16. Privacy Notice. We recognize the importance of ensuring Your privacy and security when providing Us Your personal, non-public information. We use consistent standards and procedures created to prevent misuse of this information. Information on Our Privacy and Security policies and practices may be found at http://www.treocardservices.com/privacy-policy.html

17. Disclaimer of Warranties. Unless otherwise required by law, the products and services provided under the Program are provided on an “as is” basis and without representations or warranties of any kind, either express or implied, including, without limitation, warranties of title, non-infringement, merchantability, fitness for a particular purpose, quiet enjoyment, security informational content, system integration or accuracy. You assume full responsibility and risk for Your use of the products and services provided under the Program. Neither the Bank nor GFN warrants that the products and services provided under the Program will be timely, secure, uninterrupted, accurate, or error free or that any defects in the products and services provided under the Program will be corrected.

19. Binding Arbitration. This Arbitration Provision sets forth the circumstances and procedures under which a Claim or Claims (as defined in paragraph 19) may be arbitrated instead of litigated in court. This Arbitration Provision will irrevocably apply to You unless You notify Us in writing that You reject the Arbitration Provision within sixty (60) days of receipt of Your Card. In order to reject the Arbitration Provision, you must send Your rejection notice to the Program Provider at the Notice Address by Certified Mail – Return Receipt Requested Your notice must include Your name and address, Your Card number(s), and must be signed by You. Your rejection notice should not include any other correspondence. Calling Us to reject the Arbitration Provision or providing notice by any other manner or format than as described above will not operate as a rejection of this Arbitration Provision and consequently this Arbitration Provision will become an irrevocable part of this Agreement. Rejection of this Arbitration Provision does not serve as rejection of any other term or condition of this Agreement. Any and all Claims, including any disputes, claims or controversies arising out of or relating to this Agreement (including the determination of the scope or applicability of this agreement to arbitrate), your Card, or your participation in the TREO Card Program against the Bank, the Program Provider and any and all of their affiliated entities, and their agents, servants and employees shall be determined by binding arbitration to be filed with the Judicial Arbitration and Mediation Service (“JAMS”) in Washington, D.C., but with the hearing to occur in the City within which the Federal District Court having jurisdiction over where you reside is located. The arbitration shall be conducted pursuant to the JAMS Streamlined Arbitration Rules and Procedures, and neither you nor we shall be permitted to engage in pre-arbitration discovery of any matters not directly related to Your Card or Card Account. This clause shall not preclude or restrict the parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. In any and all events, the Arbitrator’s decision will be final and binding. At Your written request, We will pay all filing fees up to $100.00 charged by JAMS for any Claim(s) asserted by You in the arbitration. You are required to pay any fees in excess of $100.00 to JAMS ("additional fees"). We may consider a request by You to pay all or part of the additional fees. To the extent that We do not approve Your request, the arbitrator will decide whether You or We will be responsible for paying any such additional fees. If the arbitrator issues an award in Our favor, You will not be required to reimburse Us for any of the fees We previously paid to JAMS. Each party shall bear the expense of that party’s attorneys’, experts’, and witness fees, regardless of which party prevails in the arbitration. There shall be no authority for any Claims to be arbitrated on a class action basis. Furthermore, arbitration can only decide Your or Our Claim(s) and may not consolidate or join the claims of other persons that may have similar claims. This Arbitration Provision shall survive the expiration of all of Your Cards subject to this Agreement and any earlier termination of this Agreement. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any law or statute consistent with the Federal Arbitration Act, it shall not invalidate the remaining portions of this Arbitration Provision or this Agreement. In the event of a conflict or inconsistency between the applicable Arbitration Rules and this Arbitration Provision, this Arbitration Provision shall govern. If You have a question about the arbitration administrators mentioned in this Arbitration Provision or would like to obtain a copy of their Arbitration Rules or fee schedules, You can contact them as follows: J.A.M.S/Endispute, 222 South Riverside Plaza, Suite 1850, Chicago, IL 60606, www.jams-endispute.com, (800) 352-5267.