These  Terms  and  Conditions  (as  may  be  hereafter  amended,  restated,  amended  and  restated, supplemented  or  otherwise  modified  from  time  to  time,  the  “Terms”),  together  with  the  terms  and conditions  set  forth  in  the  applicable  Transaction  Document  (as  defined  below)  are a contract between each   Person   (as   defined   below)   who   executes   a   Transaction   Document   (as   defined   below) (“Counterparty”,  “you”  or  “your”)  and  Trust  Software,  Inc.,  Delaware  corporation,  and  its  affiliates (“Company”,  “we”,  “us”  or  “our”).   The  terms  are  incorporated  in  and  made  a  part of the applicable Transaction Document.

Section 1.          Definitions.    As  used  in  these  Terms,  the  following  terms  have  the  meanings specified below:

“AAA” means the American Arbitration Association.

“Account  Obligor”  means,  with  respect  to  any  Purchased  Receivable,  the  underlying  account debtor and obligor for the payment thereof (which may include Counterparty).

“Advisor” has the meaning set forth in Section 9(b).
“Arbitration Provision” has the meaning set forth in Section 8.

“Business Day” means any day that is not a Saturday, Sunday or other day that is a legal holiday under  the  laws  of  the  State  of  New  York  or  is  a  day  on  which  banking  institutions  in  such  state  are authorized or required by law to close.

“Change  of  Control”  means  (i)  any  sale,  lease,  exchange,  transfer  or other disposition, in one transaction or a series of related transactions, of all or substantially all of the assets of Counterparty, (ii) the  consummation  of  any  consolidation  or  merger  of  Counterparty  in  which  the  equity  holders  of Counterparty  immediately  prior to such consolidation or merger do not own a controlling interest in the surviving  entity,  (iii) the acquisition by any Person or group (other than an existing beneficial owner on the  date  hereof)  of  a  majority  of  the  voting  power  or  economic  ownership  of  the  equity  interests  of Counterparty or (iv) the liquidation or dissolution of Counterparty.   The term “beneficial owner” as used in this definition shall have the meaning ascribed thereto under Rule 13d-3 of the Securities Exchange Act of 1934, as amended.

“Claim” has the meaning set forth in Section 8.

“Company Information” means the terms and conditions of the products and services offered by Company,  including  these  Terms,  the  Transaction  Document  and  any  other  documents  executed  in connection with such agreements or related to such agreements.

“Contractual Obligation” means, as to any Person, any provision of any security issued by such Person or of any agreement, instrument or other undertaking to which such Person is a party or by which it or any of its property is bound.

“Control”  means  the  possession,  directly  or  indirectly,  or  the  power  to  direct  or  cause  the direction of the management or policies of a Person, whether through the ability to exercise v  ting power, by contract or otherwise.
Controlling” and “Controlled” have meanings correlative thereto.

“Counterparty Account” has the meaning set forth in Section 7.

“Counterparty Information” means all information received from or on behalf of Counterparty relating  to  Counterparty’s  business,  other  than  any  such  information  that  is available to Company on a non-confidential basis prior to disclosure by Counterparty or is otherwise publicly available.

“Debtor Relief Laws” means the Bankruptcy Code of the United States of America, and all other liquidation,   conservatorship,   bankruptcy,   assignment   for   the   benefit   of   creditors,   moratorium, rearrangement, receivership, insolvency, reorganization, or similar debtor relief Laws of the United States or other applicable jurisdictions from time to time in effect.

“Default”  means  any  event  or  condition  that  constitutes  an  Event  of  Default  or  that,  with  the giving of any notice, the passage of time, or both, would be an Event of Default.

Effective Date” means each date you and Company execute a Transaction Document.

Event of Default” has the meaning specified in Section 5.

FAA” means the Federal Arbitration Act, 9 U.S.C. §§ 1-16.

“Governmental  Authority”  means  any  federal,  state, municipal, national or other government, governmental  department,  commission,  board,  bureau,  court,  agency  or  instrumentality  or  political subdivision thereof or any entity or officer exercising executive, legislative, judicial, taxing, regulatory or administrative functions of or pertaining to any government or any court, in each case whether associated with the U.S., a foreign government or any political subdivision of either thereof.

“Material Adverse Effect” means a material adverse effect on (i) the business, assets, properties, liabilities  (actual  or  contingent),  prospects,  financial  condition  or  results  of operations, in each case, of you  and  your  Subsidiaries,  taken  as a whole, (ii) the material rights and remedies (taken as a whole) of Company  under  these  Terms  and  the  Transaction  Document  or  (iii)  your  ability  to  perform  your Obligations under these Terms and the Transaction Document.

“Obligations” means all of your obligations to Company, fixed or contingent, arising from time to  time  under  these  Terms  and  the  Transaction  Document  or  by  operation  of  law;  all  of  the  Account Obligor’s obligations to make payments in full as and when due in respect of the Purchased Receivables sold  and  assigned  by you to Company or as extended by Company (as applicable) hereunder and under the Transaction Document; Company’s costs and expenses, such as attorneys’ and other fees, incurred by Company  in  any  proceeding  or  collection  effort  arising  under  or  relating  to  these  Terms  and  the Transaction Document; and the obligation to reimburse or otherwise indemnify Company for all amounts (if  any)  recovered  from  Company  on  account  of  payments  previously  made  by  Account  Obligor  on Purchased Receivables sold and assigned to Company hereunder and under the Transaction Document.

“Organizational Documents” means (a) with respect to any corporation, its certificate or articles of incorporation or organization and its bylaws, (b) with respect to any limited partnership, its certificate of  limited  partnership  and  its  partnership  agreement,  (c)  with  respect  to  any  general  partnership,  its partnership  agreement,  (d)  with  respect  to  any  limited  liability  company,  its  articles  of  organization or certificate of formation, and its operating agreement or limited liability company agreement and (e) with respect to any other form of entity, such other organizational documents required by local Requirements of Law or customary under the jurisdiction in which such entity is organized to document the formation and governance principles of such type of entity.""“Person”  means  any  natural  person,  corporation,  limited  liability company, trust, joint venture, association, company, partnership, Governmental Authority or any other entity.

“Protected Entity” has the meaning set forth in Section 9(d).

“Purchased Receivable” has the meaning set forth in the Transaction Document.

“Requirements of Law” means, with respect to any Person, collectively, the common law and all federal,  state, local, foreign, multinational or international laws, statutes, codes, treaties, standards, rules and   regulations,   guidelines,   ordinances,   orders,   judgments,   writs,   injunctions,   decrees   (including administrative  or  judicial  precedents  or  authorities)  and  the  interpretation  or  administration  thereof  by, and  other  determinations,  directives,  requirements  or  requests  of  any  Governmental  Authority,  in  each case whether or not having the force of law and that are applicable to or binding upon such Person or any of its property or to which such Person or any of its property is subject.

“Subsidiary”  means,  with  respect  to  any  Person,  any  corporation,  partnership,  limited liability company,  association,  joint  venture  or other business entity of which more than 50% of the total voting power of stock or other ownership interests entitled (without regard to the occurrence of any contingency) to  vote  in  the election of the Person or Persons (whether directors, trustees or other Persons performing similar  functions)  having  the  power  to  direct  or  cause  the  direction  of  the  management  and  policies thereof  is  at  the  time  owned  or  controlled,  directly  or  indirectly,  by  such Person or one or more of the other  subsidiaries of such Person or a combination thereof; provided that, in determining the percentage of ownership interests of any Person controlled by another Person, no ownership interests in the nature of a “qualifying share” of the former Person shall be deemed to be outstanding.

“Taxes”   means   any   and   all  present  and  future  taxes,  levies,  imposts,  duties,  deductions, withholdings  (including  backup  withholding),  assessments,  fees  or  other  charges  imposed  by  any Governmental Authority, including any interest, additions to tax or penalties applicable thereto.

“Transaction Document” means the Accounts Receivable Purchase Agreement or the Extended Payment  Terms  Agreement,  as  applicable,  between  Counterparty  and  Company,  as  the  same  may  be executed from time to time and incorporated and made a part of these Terms.""“UCC” means the Uniform Commercial Code as in effect from time to time in the State of New

Section 2.          Representations and Warranties.  You represent and warrant that:

(a)         Organization;  Powers.   You  (i)  are  (A)  duly  organized and validly existing and
(B) in good standing (to the extent such concept exists in the relevant jurisdiction) under the laws of  your  jurisdiction  of  organization, (ii) have all requisite organizational power and authority to own  your property and assets and to carry on your business as now conducted and (iii) are duly qualified  to  do  business  in,  and  are  in  good  standing  (to  the  extent  such  concept  exists  in  the relevant jurisdiction) in, every jurisdiction where your ownership, lease or operation of properties or  conduct  of  your  business  requires  such  qualification  except,  in  each  case  referred  to  in this Section 2(a), where the failure to do so, individually or in the aggregate, could not reasonably be expected to result in a Material Adverse Effect.

(b)        Authorization;  Enforceability.   Your execution, delivery and performance of the Transaction  Document  and these Terms are within your corporate or other organizational power"
"and  have  been  duly  authorized  by  all  necessary  corporate  or  other  organizational  action.  The Transaction Document has been duly executed and delivered by you and is your legal, valid and binding obligation, enforceable in accordance with its terms.

(c)         Governmental   Approvals;   No   Conflicts.      Your   execution,   delivery   and performance  of  the  Transaction  Document  and  these  Terms  (i)  do  not  require  any  consent  or approval  of,  registration  or  filing  with,  or  any  other  action  by,  any  Governmental  Authority, except  (A)  such  as  have  been  obtained  or  made  and  are  in  full  force  and  effect  and  (B)  such consents,  approvals,  registrations,  filings  or  other  actions  which  the  failure  to  obtain  or  make could not be reasonably expected to have a Material Adverse Effect and (ii) will not violate any (A)  of your Organizational Documents or (B) Requirements of Law applicable to you which, in the case of this clause (ii)(B), would reasonably be expected to have a Material Adverse Effect.

(d)        Compliance  with  Laws.   You  are  in  compliance  with  all  Requirements of Law applicable to you and your property, except, in each case where the failure to do so, individually or in the aggregate, could not reasonably be expected to result in a Material Adverse Effect.

(e)         Solvency.    Immediately  after  the  consummation  of  the  transactions  under  the Transaction  Document  on  the  Effective  Date,  (i)  the  sum  of  the  debt  (including  contingent liabilities)  of  you  and your Subsidiaries, taken as a whole, does not exceed the fair value of the assets  of  you  and  your  Subsidiaries,  taken  as a whole; (ii) the present fair saleable value of the assets (on a going concern basis) of you and your Subsidiaries, taken as a whole, is not less than the amount that will be required to pay the probable liabilities (including contingent liabilities) of you and your Subsidiaries, taken as a whole, on their debts as they become absolute and matured in accordance with their terms; (iii) the capital of you and your Subsidiaries, taken as a whole, is not unreasonably small in relation to the business of you and your Subsidiaries, taken as a whole, contemplated  as  of the Effective Date; and (iv) you and your Subsidiaries, taken as a whole, do not  intend  to  incur,  or  believe  that  they  will  incur,  debts  (including  current  obligations  and contingent liabilities) beyond their ability to pay such debts as they mature in the ordinary course of  business.  For the purposes hereof, the amount of any contingent liability at any time shall be computed as the amount that, in light of all of the facts and circumstances existing at such time, represents  the  amount  that  can  reasonably  be expected to become an actual or matured liability (irrespective of whether such contingent liability meets the criteria for accrual under Statement of Financial Accounting Standards No. 5).

(f)         Litigation.   There are no actions, suits or proceedings by or before any arbitrator or Governmental Authority pending against or, to your knowledge, threatened in writing against you  or  any  of  your  Subsidiaries  which  would  reasonably  be  expected,  individually  or  in  the aggregate, to result in a Material Adverse Effect.

(g)        No   Material   Adverse   Effect;   No   Default.     Neither   you  nor  any  of  your Subsidiaries  is  in  default  under  or  with  respect  to  any  Contractual  Obligation  that,  either individually or in the aggregate, could reasonably be expected to have a Material Adverse Effect. No  Default  has  occurred  and  is  continuing  or  would  result  from  the  consummation  of  the transactions contemplated by the Terms and the Transaction Document.

(h)        Taxes.   You  have  timely  filed  or  caused  to  be  filed  all  Tax  returns and reports required  to  have  been  filed  and  have  paid  or caused to be paid all Taxes required to have been paid  by  you  and  it  that  are  due  and  payable,  except  (i)  Taxes  (or  any  requirement  to  file  Tax returns with respect thereto) that are being contested in good faith by appropriate proceedings and for  which  adequate  reserves  have  been  provided  in accordance with GAAP or (ii) to the extent that the failure to do so could not reasonably be expected to result in a Material Adverse Effect.

(i)         Disclosure.   All  reports,  financial  statements,  certificates  and other information delivered  by  you,  or  on  your  behalf,  to  us  in connection with the transactions contemplated by these  Terms  and  the  Transaction  Document  is,  and  shall  be,  true  and  correct  in  all  material respects  and  does  not,  and  shall  not,  omit  to  state  a material fact the omission of which would render  such  information  misleading;  provided  that,  with  respect  to  projected  or  pro  forma financial information, you represent only that such information was prepared in good faith based upon  assumptions  believed  to  be  reasonable  at  the  time  of  preparation  and  delivery  (it  being understood that such projected information may vary from actual results and that such variances may  be  material  and  you  acknowledge and agree, however, that any such material difference(s) may be indicative of a Material Adverse Effect).

(j)         Valid  Business  Purpose.    You  are  not  a  consumer  and  are  entering  into  these Terms and the Transaction Document for business and commercial purposes and not for personal, family, household or consumer purposes.

(k)        Restricted  Business.  Your  business  does  not  operate  in  a  high-risk  industry, including,  without  limitation,  the  following  industries  (the  examples  provided  below  are  not intended to be exhaustive):

(i)             cannabis (manufacturers, distributors or dispensaries);
(ii)            drug paraphernalia (drug manufacturing or items for drug use);
(iii)           adult content (pornography, dating sites or pay-per-view chat);
(iv)           gambling (casinos, online gambling or fantasy sports);
(v)            financial aggregation (factoring, payment processors or crowdfunding);
(vi)           money and legal (bail bonds, collections agencies or adoption services);
(vii)           virtual  currency  (initial  coin  offerings,  digital  wallets  or  video  game credits);
(viii)           investment  and  credit  (securities  brokers,  lending  instruments  or  credit repair);
(ix)            regulated    products    (weapons,    firearms,    tobacco,    e-cigarette    or prescription drugs);
(x)             gift cards;
(xi)            counterfeit    goods   (companies   with   fake   brand   name   goods   or unauthorized resellers);
(xii)            multi-level marketing or pyramid schemes;
(xiii)           get   rich   quick   (promoting   high   yield   investment   opportunities   or services);
(xiv)           social media activity (sale of Twitter followers, online traffic or YouTube views);
(xv)            pseudo pharmaceuticals (nutraceuticals or products making health claims not approved by the FDA); or
(xvi)           drug  of  concern  (legal  substance  that  provides  the  same  effect  as  an illegal drug).

(l)         No  Bankruptcy.    You  do  not  contemplate  filing  or  have  filed  a  petition  for bankruptcy   protection   or   other   form   of   reorganization   (including,   without   limitation,   an assignment  for  the benefit of creditors) and there has been no involuntary petition threatened or filed  against  you.  You  do  not  anticipate  filing  any  such  bankruptcy  petition  or  other  form  of reorganization  (including,  without  limitation,  an  assignment  for the benefit of creditors) and do not  anticipate  that  an  involuntary  petition  will  be  filed  against  you.  You  are  not  currently contemplating bankruptcy or insolvency proceedings.

(m)       Maintenance  of  Business.    You  do  not  have  any  intention  to  temporarily  or permanently close or cease operating your business, in part or in whole, and shall preserve your relationships  with  those  customers,  suppliers,  licensees,  licensors  and  commercial  partners that are material to your business in substantially the same manner as you have prior to the Effective Date.

Section 3.          Covenants.   In  addition  to,  and not in limitation of, the covenants contained in the  Transaction  Document,  you  covenant  and  agree  that  until  all  Obligations  (other  than  unmatured, contingent  Obligations  for  which  no  claim  has  been  made) under the Transaction Document have been indefeasibly paid in full:

(a)         True  Sale.   For purposes of federal income tax reporting and account, you shall treat  the  sale  and  assignment  of  each  Purchased  Receivable  by  you  to  us  as  a  true  sale  and assignment of all of your rights and interest in, to and under each such Purchased Receivable.

(b)        No  Interference.  You  have  not  done,  and  shall  not  do,  anything  to  impede  or otherwise interfere with Company’s collection of any Purchased Receivable and shall not, without Company’s prior written consent, do anything to amend, waive or otherwise modify any deviation from the express terms of any Purchased Receivable sold and assigned to Company.""(c)         No  Impairment.  You  will  not take any action that would substantially impair or reduce  the  collection  of  the  Purchased  Receivable  to  satisfy  the Obligations under these Terms and the Transaction Document.

(d)        No Liens.   You will not create, not will you permit to exist, any lien on, security interest in, other encumbrance or adverse claim with respect to any of the Purchased Receivables or any other property purported to have been sold or assigned by you to use hereunder and under the  Transaction  Document,  unless  such  lien,  security  interest,  other  encumbrance  or  claim  is exclusively in favor of Company.

(e)         Use  of  Proceeds.    You  will  not  use  any  amount  provided  by  Company  for personal,  family  or household purposes or make any payments to Company from any consumer account.

(f)         Notices  of  Default  or  Event  of  Default.   You  will  furnish  to  Company  prompt written notice of the occurrence of any Default or Event of Default and a summary of the action you  are  taking  or  propose  to  take  with  respect  thereto  to  remediate  such  Default  or  Event  of Default.

(g)        Preservation  of  Existence.  You  will  maintain and preserve your legal existence, your  rights  to  transact  business  and  all other rights, licenses, permits, franchises, approvals and privileges  necessary  or  desirable  in  the  normal  course  of  your  business  and operations and the ownership of your properties.

(h)        Nature  of  Business.  You  will  not  change  the  nature  of  the  business  that  you conduct from the type of business disclosed to Company on the Effective Date in connection with the Transaction Document.

(i)         No   Interference   with   ACH   Transactions.   You   will   not   terminate   your authorization  of  debits  under  these  Terms  and  the Transaction Document, stop payment on any debit authorized pursuant to these Terms and the Transaction Document, claim a debit transaction pursuant  to these Terms and the Transaction Document is unauthorized or seek a refund, return, chargeback  or  dispute  of  a  credit  card  transaction  to  a  payment  under  these  Terms  and  the Transaction Document.

Section 4.          True Sale and Back-Up Security Interest.   You and Company intend that each sale and assignment of a Purchased Receivable by you to Company hereunder and under the Transaction Document  will  constitute  a  purchase  and  sale  thereof  and  that  none  of  such  sales  and  assignments  be construed  as  a  loan  from  Company  to  you.   You  acknowledge  and  agree  that  (i)  you  have  no legal or equitable  interest  in  the  Purchased  Receivable  as  established  under  these  Terms  and  the  Transaction Document,  (ii)  in  the  event you become a debtor in a case under Title 11 of the United States Code (or otherwise become subject to any receivership, bankruptcy, insolvency, assignment for benefit of creditors or similar law of any jurisdiction), the Purchased Receivable is not property of your estate and (iii) you no longer own or control the Purchased Receivable.   However, if notwithstanding such intention, such sales and assignments are construed to be loans (and not purchases and sales), it is the intention of the parties hereto and to the Transaction Document that these Terms and the Transaction Document shall constitute a security agreement under applicable law, and, therefore, in order to secure the payment of the Obligations""to Company in full, you hereby grant to Company a first-priority, perfected security interest in all of your right,  title  and  interest,  whether  now  owned  or  hereafter  acquired,  in,  to  and  under  the  Purchased Receivables and all proceeds thereof.

Section 5.          Events  of  Default.   The  occurrence  of  any  of the following shall constitute an “Event of Default”:

(a)         Failure  to  Make  Payments  When  Due.    Failure  by  Counterparty  to  pay  any Obligation owed by it when due;

(b)        Breach of Representations, Etc.  Any representation or warranty made or deemed made  by  Counterparty  under  or  in  connection  with  these Terms and the Transaction Document shall be untrue in any material respect on or as of the date made or deemed made;

(c)         Breach of Certain Covenants.  Failure by Counterparty to perform or observe any covenant,  term,  condition  or  agreement  contained  in  these  Terms  or the Transaction Document and  such  failure  continues  unremedied  for five (5) Business Days after the earlier of (i) written notice by Company to Counterparty or (ii) Counterparty obtaining knowledge of such failure;

(d)        Involuntary   Bankruptcy;   Appointment   of   Receiver,   Etc.      An   involuntary proceeding  shall  be  commenced  or  an  involuntary petition shall be filed seeking (i) liquidation, reorganization or other relief in respect of Counterparty or its debts, or of a substantial part of its assets,  under  any  Debtor  Relief  Law  now  or  hereafter  in  effect  or  (ii) the  appointment  of  a receiver, trustee, custodian, sequestrator, conservator or similar official for Counterparty or for a substantial  part  of  its  assets,  and,  in  any  such  case,  such  proceeding  or  petition  shall  continue undismissed for a period of thirty (30) or more days or an order or decree approving or ordering any of the foregoing shall be entered;

(e)         Voluntary  Bankruptcy;  Appointment  of  Receiver,  Etc.   The  Counterparty  shall
(i) voluntarily  commence  any  proceeding or file any petition seeking liquidation, reorganization or  other  relief  under  any  Debtor  Relief  Law  now  or  hereafter  in  effect,  (ii) consent  to  the institution  of,  or  fail  to  contest  in  a  timely  and  appropriate  manner,  any proceeding or petition described  in  Section  5(d),  (iii) apply  for  or  consent  to  the  appointment  of  a  receiver,  trustee, custodian, sequestrator, conservator or similar official for Counterparty or for a substantial part of its assets, (iv) file an answer admitting the material allegations of a petition filed against it in any such proceeding, (v) make a general assignment for the benefit of creditors or (vi) take any action for the purpose of effecting any of the foregoing;

(f)         Insolvency.  Counterparty is insolvent or is otherwise unable, or admits in writing its inability, to pay its debts as they become due;

(g)        Change of Control.  The occurrence of a Change of Control;

(h)        Invalidity   of   Terms   and   Transaction   Document.     If   these   Terms  and  the Transaction  Document  fail  to  create,  or  if  Counterparty  for  any  reason  ceases  to  have,  a  valid undivided  first-priority  ownership  and/or  security  interest,  as  applicable,  in  any  Purchased""Receivable sold by Counterparty to Company under these Terms and the Transaction Document; or

(i)         Liens.    If  there  is  created  any  lien,  garnishment,  attachment,  encumbrance  or other security interest on the Purchased Receivable without the prior written consent of Company.

Section 6.          Remedies.     If  an  Event  of  Default  shall  have  occurred  and  be  continuing, Company shall have the right, by notice to Counterparty, to take any of the following actions, at the same or  different  times:  (a)  terminate  these  Terms  and the Transaction Document, (b) declare all Obligations owed by Counterparty to Company due and payable in whole (or in part, in which case any amount not so declared  to  be  due  and  payable  may  thereafter  be  declared  to  be  due  and  payable),  and  thereupon  the amount  so  declared  to  be  due  and  payable, together with all fees and other obligations of Counterparty accrued  hereunder  and  under  the  Transaction  Document,  shall  become  due  and  payable  immediately, without  presentment,  demand,  protest  or  other  notice  of  any  kind,  all  of  which  are  hereby  waived  by Counterparty  and  (c)  exercise  any  rights  and  remedies  provided  to  Company  hereunder,  under  the Transaction Document or at law or equity, including all remedies provided under the UCC.

Section 7.          Electronic   Fund   Transfer   Authorization.     You   irrevocably   consent   and authorize Company (which includes for the purposes of this authorization, our agents, service providers, successors  and  assigns)  to  process  and  originate  electronic  fund  transfers  via  ACH  or  similar  network from the Counterparty Account as it may be updated by you from time to time, any substitute account you later specify and/or any other account containing proceeds of the Purchased Receivables (collectively, the “Counterparty  Account”)  on  or  after  the  date  the  associated  Purchased  Receivables  were  sold.   You authorize Company, at any time and in Company’s sole discretion, to initiate to Counterparty Account an ACH debit or credit entry in an amount less than $1.00 or an ACH pre-notification entry for the purpose of verifying that ACHs may be successfully credited to or debited from the Counterparty Account.  You authorize Company to initiate a single ACH for the combined amounts of different monthly periods (e.g., initiate a single ACH in respect of amounts that were accrued in the two (2) prior monthly periods) or to initiate individual ACHs.   You further authorize Company to initiate ACHs to the Counterparty Account for any amounts that come due under the Transaction Document.  You also authorize Company to initiate ACH  credits  or  debits  to the Counterparty Account to correct any errors you may make in processing a payment.  In the event that an ACH is returned unpaid, you authorize Company to reinitiate the ACH until it  is  paid  and  to  initiate  a  separate  ACH  or  to  add  to  a  reinitiated  ACH the amount of any dishonored payment  fee  that  Company  charges.   You expressly agree that you shall not cancel this authorization or instruct any depository holding any proceeds of the Purchased Receivables that Company has purchased to reject Company’s ACHs.   You represent that the Counterparty Account and any substitute account you provide Company is used for business purposes and not for personal, family, household purposes or any other  purposes  other  than  business  purposes  and  that  you  are an authorized signor on the Counterparty Account  and  any  substitute  account.   You further agree to be bound by the rules and regulations of any applicable  payment  networks  as  may  be  required  to effect any of the transactions authorized under this Section 7.

Section 8.          Arbitration.  Company and Counterparty each elect to resolve any and all claims and  disputes  relating  in  any  way  to  these  Terms,  the  Transaction  Document  or  their  dealings with one another  (“Claims”),  except  for  Claims  concerning the validity, scope or enforceability of this provision (this    “Arbitration    Provision”),    through    BINDING    INDIVIDUAL,    NON-CLASS-ACTION""ARBITRATION.   This  Arbitration  Provision  is  made  with  respect  to  transactions  involving  interstate commerce and shall be governed by the FAA, and not by state law.

(a)         Individual  Arbitration.   Company  and  Counterparty  each  understand  and  agree that by allowing each other to elect to resolve any dispute through individual arbitration, BOTH PARTIES EXPRESSLY WAIVE THE RIGHT TO A COURT OR JURY TRIAL AND NO CLAIM  FILED  IN  COURT  WILL  BE  HEARD  BY  A  JURY OR TAKE PLACE ON AN INDIVIDUAL  BASIS.    FURTHERMORE,  COUNTERPARTY  SHALL  RESOLVE  ANY DISPUTE BY ARBITRATION AND SUCH DISPUTE SHALL BE ARBITRATED ON AN INDIVIDUAL BASIS, AND NOT AS A CLASS ACTION, REPRESENTATIVE ACTION, CLASS ARBITRATION OR ANY SIMILAR SUCH PROCEEDING.   The arbitrator(s) may not consolidate more than one party's claims (except Claims by or against one party with respect to these Terms or the Transaction Document involving the parties) and may not preside over any form of a representative or class proceeding.

(b)        Arbitration  Rules.    Arbitration  of  any  dispute  under  this  Arbitration  Provision shall  be  administered  by the AAA pursuant to the applicable rules of AAA in effect at the time the   arbitration   is   initiated.     Counterparty  may  contact  AAA  to  obtain  information  about arbitration, by calling 800-778-7879 or visiting www.adr.org.  In the event that AAA is unable or unwilling  to  administer  the  arbitration  of  a dispute, then a dispute may be referred to any other arbitration  organization  mutually  agreed  by  Company  and  Counterparty  or  to  an  arbitration organization  or  arbitrator  appointed  pursuant  to  section  5  of  the  FAA.    Arbitrations  shall  be conducted before a single arbitrator.  The arbitration shall take place in the federal judicial district that is mutually agreed in writing.  The arbitrator shall apply applicable substantive law consistent with  the  FAA  and  applicable  statutes  of  limitations  and  shall be authorized to award any relief that would have been available in court; provided that the arbitrator's authority to resolve claims and make awards is limited to any and all claims between Company and Counterparty except as otherwise specifically stated herein.   The decision by the arbitrator shall be final and binding on the parties.   Company and Counterparty agree that this Arbitration Provision extends to any other parties  involved  in  any  Claims,  including, without limitation, to Company’s and Counterparty’s employees,  affiliated  companies  and  vendors.     In  the  event  of  any  conflict  between  this Arbitration  Provision  and  the  AAA  arbitration  rules  or  the  rules  of  any  other  arbitration organization or arbitrator, this Arbitration Provision shall govern.

(c)         Arbitration  Fees  and  Costs.    The  arbitration  fees  shall  be  borne  equally  by Company and Counterparty.

(d)        Exceptions.      Notwithstanding   any   other   provision   of   these   Terms   or   the Transaction Document, Company and Counterparty agree that this Arbitration Provision does not stop  either  Company  or  Counterparty  from exercising any lawful rights to seek non-arbitration, self-help  remedies.    Company  and  Counterparty  agree  that  each  party  may  seek  provisional self-help remedies out of court without waiving the right to arbitrate.  Notwithstanding any other provision  of  these  Terms or the Transaction Document, if the foregoing class action waiver and prohibition  against  class  arbitration  is  determined  to  be  invalid  or  unenforceable,  then  the arbitration provision under this Section 8(d), other than such invalid or unenforceable provisions, shall remain in full force and effect.

Section 9.          Miscellaneous.

(a)         Notices.    All  notices,  requests,  consents,  demands  and  other  communications hereunder  and  under  the  Transaction  Document  shall  be  in  writing  and  delivered  by  hand  or overnight  courier  service,  mailed by certified or registered mail or sent by facsimile or email to the  respective  parties  to  the  Transaction  Document  at  the  following  addresses:  to  Company, at 1207   4th   Street,  Suite  400A,  Santa  Monica,  CA  90401,  Attn:  Benjamin  Toulotte,  email: ben@trust.co;  and  to  Counterparty,  at  the  address  separately  provided  to  Company.   Any  such communication will become effective only upon receipt thereof.

(b)        Confidentiality.      Counterparty   understands   and   agrees   that   the   Company Information  is  proprietary  and  confidential  information  of  Company.     Accordingly,  unless disclosure is required by law or court order, Counterparty shall not disclose Company Information to  any  person  other than an attorney, accountant, financial advisor or employee of Counterparty who  needs  to  know  such  information  for  the  purpose  of  advising  Counterparty  (“Advisor”); provided that such Advisor uses such information solely for the purpose of advising Counterparty and  is  instructed  by  Counterparty  to  not  disclose  Company  Information  to  any  person  in accordance with the terms of this Section 9(b).  Company agrees to maintain the confidentiality of the  Counterparty  Information  (as  defined  below),  and  shall  not  use  any  such  Counterparty Information for competitive purposes, except that Counterparty Information may be disclosed (i) to  the  extent  required  or  requested  by  any  regulatory  authority  purporting  to  have  jurisdiction over  Company  (including  any  self-regulatory  authority),  (ii) to  Company’s  directors,  officers, employees  and agents, including accountants, legal counsel and other advisors who have a need to  know  such  Counterparty  Information  (it  being  understood  that  the  person  to  whom  such disclosure is made will be informed of the confidential nature of such Counterparty Information and instructed to keep such Counterparty Information confidential), (iii) to the extent required by any  applicable  laws,  rules  or  regulations  or  by  any  subpoena  or  similar  legal  process,  (iv)  in connection  with  the  exercise  of  any  remedies hereunder or any action or proceeding relating to these Terms, the Transaction Document or the enforcement of rights hereunder or thereunder, (v) with the written consent of Counterparty, (vi) to the extent it becomes available to Company on a nonconfidential basis from a source or (vii) to the extent it becomes publicly available other than as a result of a breach of this Section 9(b).

(c)         Indemnity.   You agree to defend, indemnify and hold harmless Company and its officers, directors, employees, members, managers, consultants, Subsidiaries, agents and affiliates from  and  against  any  and  all losses, claims, damages, liabilities, losses and expenses, including reasonable  attorneys’  fees,  charges  and  disbursements,  arising  out  of  or  in  any  way  connected with:  (i)  the  execution  or  delivery  of  the  Transaction  Document,  your  performance  of  your Obligations   hereunder   or   under   the   Transaction   Document   or   the   consummation   of   the transactions  contemplated  hereunder  or  under  the  Transaction  Document,  (ii)  your  violation  of any  Requirements  of  Law,  (iii)  your  use  of  any  proceeds  from  the  consummation  of  the transactions  contemplated  hereunder  or  under  the  Transaction  Document, (iv) your violation of any  third-party  rights,  including  any  intellectual  property,  publicity,  confidentiality  or  other privacy or property rights or (v) any dispute or issue between you and any third party.  Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise  subject  to  indemnification  by  you  (without  limiting  your  indemnification obligations with respect to such matter), and you agree to cooperate with our defense of any such claim.



(f)         Force   Majeure.     Company   shall   not   be   liable   for   any  issues  or  delayed performance  caused  by  circumstances  beyond Company’s reasonable control, including without limitation,  acts  of  God,  acts  of  government,  flood,  fire,  earthquakes, civil unrest, acts of terror, epidemics or pandemics, strikes or other labor problems, service provider failures or delays.""(g)        Updates to Terms. Company reserves the right to update and amend these Terms at  any time. Any change or update will become effective from the moment of its publication on Company’s website.

(h)        Amendments and Waivers.  Subject to Section 9(g), no modification, amendment, waiver or consent of any provision of these Terms or the Transaction Document will be effective unless  it  is  in  writing and signed by Company and Counterparty.   No failure to exercise and no delay  in  exercising,  on  the  part  of  Company,  any  right  or  remedy  under  these  Terms  or  the Transaction Document shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy preclude any other or further exercise thereof.

(i)         Assignments.    You  may  not  transfer  or  assign  these  Terms  or  the  Transaction Document  or  any  of  your  interests,  rights  or  obligations  under  these  Terms  or  the  Transaction Document without the prior written consent of Company.  Company reserves the right to transfer or  assign  these  Terms  and  the  Transaction  Document  or  any  right  or  obligations  under  these Terms and the Transaction Document at any time.

(j)         Costs  and  Expenses.     Counterparty  shall,  within  ten  (10)  days  of  demand therefor, pay all reasonable costs and expenses incurred by Company (including all fees, charges and  disbursements  of  counsel)  in connection with (x) the administration of these Terms and the Transaction Document, (y) any amendments, modifications or waivers of the provisions hereof or thereof  (whether  or  not  the transactions contemplated hereby or thereby shall be consummated) and (z) the enforcement or protection of Company’s rights in connection with these Terms and the Transaction Document.

(k)        Counterparts;  Integration; Effectiveness; Electronic Execution.   The Transaction Document may be signed in one or more counterparts, each of which constitutes an original and all  of  which  when  taken  together  constitute  the  same  agreement.     These  Terms  and  the Transaction Document constitute the entire contract among the parties relating to the transactions contemplated   hereby   and   thereby   and   supersede   any   and   all   previous   agreements   and understandings,  oral  or  written,  relating  to  such transactions.   These Terms and the Transaction Document,  taken  as  a  whole,  shall  become  effective  when  (i)  the  Transaction  Document  shall have   been   executed   by   Company   and   Counterparty   and   Company   shall   have   received counterparts thereof that, when taken together, bear the signatures of each of the parties thereto or (ii) Counterparty shall have clicked on the “I Agree” or similar check-box/button on Company’s website,  which  shall  establish acceptance by you of these Terms and the Transaction Document and in which case you agree that you have read the terms and conditions set forth in these Terms and  the  Transaction  Document  and  accept  such terms and conditions.  Facsimile signatures and other  electronic  signatures  will  be deemed original signatures and each party to the Transaction Document may rely on a facsimile signature or electronic signature as an original for purposes of enforcing  these  Terms  and  the  Transaction  Document.     Counterparts  may  be  executed  or delivered via facsimile, electronic mail (including pdf or any electronic signature complying with the U.S. federal ESIGN Act of 2000, e.g., www.docusign.com) or by other means of “electronic transmission”  (as  such  term  is  defined  under Delaware General Corporation Law §232(c)), and any counterpart so executed or delivered shall be deemed to have been duly and validly delivered and  be  valid  and  effective  for  all  purposes.  The  words  “execution,”  “signed,”  “signature,” and words  of  similar  import  in  any  definitive  document  shall  be  deemed  to  include  electronic  or""digital signatures or the keeping of records in electronic form, each of which shall be of the same effect, validity and enforceability as manually executed signatures or a paper-based recordkeeping system, as the case may be, to the extent and as provided for under applicable law, including the Electronic Signatures in Global and National Commerce Act of 2000 (15 USC § 7001 et seq.), the Electronic Signatures and Records Act of 1999 (NY State Technology Law §§ 301-309), or any other similar state laws based on the Uniform Electronic Transactions Act.

(l)         Survival.       The   obligations   in   Section   8   (Arbitration)   and   Section   9 (Miscellaneous)  of  these  Terms shall survive the termination of the Transaction Document.   All representations,  warranties  and  covenants  herein  and  in  the  Transaction Document will survive the  execution  and  delivery  of the Transaction Document and will continue in full force until all obligations  under  the  Transaction  Document  have  been  satisfied  in  full  and  the  Transaction Document is as a result terminated.

(m)       Severability.    In  case  any  of  the  provisions  in  these  Terms  or  the  Transaction Document are found to be invalid, illegal or unenforceable in any respect by a court of competent jurisdiction,  the  validity, legality and enforceability of any other provision contained herein will not  in  any  way  be  affected  or  impaired,  and  that  the  parties acknowledge that their intent is to modify  such  provision  to  the  maximum  extent  enforceable  under  applicable  law  and  the remainder of these Terms and the Transaction Document will continue in full force and effect. In the  event  that a court recharacterizes any amounts owed to Company as interest and determines that Company has charged or received interest hereunder in excess of the highest applicable rate, the  rate  in  effect  hereunder  shall  automatically  be  reduced  to  the  maximum  rate  permitted  by applicable  law  and  Company  shall  promptly  refund  to  Counterparty  any  amount  received  by Counterparty in excess of the maximum lawful rate under applicable law.

(n)        Headings.   The  headings  in  these  Terms  and  the Transaction Document are for reference only and shall not affect the interpretation of these Terms or the Transaction Document.

(o)        Governing  Law.   Subject  to Section 8, these Terms, the Transaction Document, any transactions contemplated hereby or thereby, the construction of these Terms, the Transaction Document and all transactions, and the interpretation, performance and enforcement of the rights and duties of Company and Counterparty, will be governed by and construed in accordance with the laws of Delaware, without regards to the jurisdiction’s conflicts of law principles. The parties agree  that  the  laws  of  Delaware  govern  the  entire  relationship  between  and  among the parties, including, without limitation, all issues or claims arising out of, relating to, in connection with or incident to these Terms, the Transaction Document and any transaction it contemplates, whether such  claims  are  based  in  tort,  contract,  or  arise  under  statute  or  in  equity.    The  parties acknowledge and agree that these Terms and the Transaction Document are made and performed in the state of Delaware.

(p)        Intellectual  Property.    All  logos  related  to  Company  are  either  trademarks  or registered  trademarks  of  Company  or  its  licensors.    You  may  not  copy,  imitate  or  use  them without Company’s prior written consent.   In addition, all page headers, custom graphics, button icons,  and  scripts  are  service  marks,  trademarks,  and/or trade dress of Company.   You may not copy, imitate, or use them without our prior written consent.  All right, title and interest in and to the  Company  website,  any content thereon, the technology related to Company, and any and all""technology  and  any  content  created  or  derived  from  any  of  the  foregoing,  is  the  exclusive property of Company and its licensors."