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Itemization of the Amount Financed and Disbursement Authorization: You authorize Us to disburse
The Amount Financed or proceeds of Your Loan, totaling $$1,000.00 (Loan Amount), subject to the terms and conditions of this Loan Agreement, as follows:
$$1,000.00 Amount given to You directly
$$1,000.00 Amount paid on Your account and deposited to Your checking account identified herein.
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Right Of Rescission. You have the right to rescind the amount borrowed hereunder without incurring any fee if the amount borrowed, in full, is returned to Us on or before 5:00pm in Your time zone (“Close of Business”), on the next business day following the Disbursement Date (as defined below) by calling (855) 885-4027 or emailing customerservice@unclewarbucks.com.
IMPORTANT DISCLOSURE: YOU UNDERSTAND THAT WE ARE A MOHAWK OR FIRST NATIONS ENTITY, LOCATED ON THE MOHAWK TERRITORY OF KAHNAWAKE AND THOSE OF THE FIRST NATIONS OF CANADA AND, THEREFORE, THIS LOAN IS MADE WITHIN TRIBAL JURISDICTION, AND IS SUBJECT TO AND GOVERNED BY THE TRIBAL LAW AND APPLICABLE FEDERAL LAW SET OUT IN THIS AGREEMENT. IN MAKING THIS LOAN, YOU CONSENT TO TRIBAL JURISDICTION FOR THIS COMMERCIALTRANSACTION. YOUR RESIDENT STATE LAWS MAY HAVE INTEREST RATE LIMITS AND OTHER CONSUMER PROTECTION PROVISIONS THAT ARE MORE FAVORABLE FOR YOU, SO YOU MAY WANT TO CONSIDER TAKING A LOAN FROM A LENDER LICENSED BY YOUR STATE. IN ANY EVENT, YOU SHOULD CAREFULLY EVALUATE YOUR FINANCIAL OPTIONS BEFORE TAKING OUT A LOAN. THIS LOAN HAS A HIGH INTEREST RATE AND IT IS NOT INTENDED TO PROVIDE A SOLUTION FOR LONGER TERM CREDIT OR OTHER FINANCIAL NEEDS. ALTERNATIVE FORMS OF CREDIT MAY BE LESS EXPENSIVE AND MORE SUITABLE FOR YOUR FINANCIAL NEEDS. CAREFULLY CONSIDER YOUR ABILITY TO REPAY THE LOAN AND IF YOU ARE HAVING FINANCIAL DIFFICULTIES, YOU SHOULD SEEK THE ASSISTANCE OF FINANCIAL COUNSELORS. BEFORE SIGNING THIS LOAN AGREEMENT, PLEASE CAREFULLY READ ITS TERMS COMPLETELY. YOUR ELECTRONIC SIGNATURE IS APPROVAL OF THIS LOAN EXECUTED ON TRIBAL LANDS, AND WILL BE DEEMED AS PROOF THAT YOU HAVE READ THE LOAN AGREEMENT; YOU HAVE APPROVED ALL OF ITS TERMS, INCLUDING CONSENTING TO TRIBAL JURISDICTION; YOU HAVE PROVIDED THE LENDER WITH THE MOST CURRENT AND ACCURATE EMPLOYMENT, CREDIT, INCOME, AND ASSET HISTORY REQUIRED FOR THIS LENDER TO ACCURATELY DETERMINE YOUR ABILITY TO REPAY THE LOAN; AND YOU AFFIRMATIVELY ACKNOWLEDGE YOU ARE ABLE TO REPAY THE LOAN ACCORDING TO THE TERMS OF THE LOAN AGREEMENT.
Promise to Pay: You promise to pay Us at Uncle Warbucks at our address for payments indicated on our website www.unclewarbucks.com (or at any other place We may designate) the total principal amount of $1000 (the "Loan") plus interest on the payment date(s) set forth in the "Payment Schedule" section of the Truth-In-Lending Disclosure box above (the "Payment Dates"). Interest accrues on a daily basis from the date the loan proceeds are disbursed to You (the "Disbursement Date") to the Payment Date. Interest may be charged after the Payment Date if You do not make Your payments as scheduled. By signing below, You promise to pay to Us the total principal amount plus accrued interest thereon, and other fees and charges, if any, as provided in this Loan Agreement.
Payment Application: All payments will be applied first to fees due to us, then to interest, and then to principal. All prepayments will be applied in the same order.
Due Date of Payments: Payment Dates may be adjusted later based on the mutual agreement of Borrower and Lender.
Payment Methods: If You are approved, Your Loan payments will be due on the Payment Dates in accordance with this Loan Agreement. If You elect to make Your payments by Voluntary ACH and Debit Card Recurring Payment (“ACH”), then each payment plus any fees due to us (if applicable) will be debited from Your Bank Account on each Payment Due Date set forth above. Completion of the Voluntary ACH and Debit Card Recurring Payment Authorization is not required to obtain a loan from Us. Payments must reach Us by the scheduled Payment Dates. You acknowledge and agree that we have not made this Loan contingent upon Your obtaining any other product or service from us.
If You do not elect to pay via recurring ACH, You agree to repay the Loan by recurring remotely created checks drafted from Your bank account.
Borrower’s Bank Account information
Bank Name: PYRAMID CREDIT UNION
Bank Address: 7740 E SPEEDWAY BLVD
Bank Routing Number: 322174821
Bank Account Number: 82123
You authorize us to sign checks or orders on Your behalf using Your name, and to submit each remotely created check to Your bank or other financial institution in the amount owing to us under this Agreement for payment on or after the Due Date. You understand that this allows us to create and sign paper checks that are drawn on Your bank account. You agree that by providing this option, we did not condition making this Loan on Your providing a recurring electronic payment authorization.
Please contact Us at (855) 885-4027 for other payment methods that may be available.
Post-dated checks received by Us for payment on Your account will be returned as we do not accept them and may cause Your Loan account to become delinquent.
The repayment option that You choose becomes effective at the time that We make You the Loan for which You are applying and will remain in force and effect until such time as all sums due and owing to Us under this Loan Agreement have been received by Us or until such time as You revoke Your authorizations. You agree that the ACH and RCC authorizations herein are for the purposes of loan repayment as stipulated in this Loan Agreement. We are not responsible for any delays in processing payments or requests to revoke payment authorizations, to the extent such delays occur due to “acts of God”; “acts of terror”; acts of civil or military authority; government regulations; quarantine or shelter-in-place restrictions or guidelines including, but not limited to, those issued by the World Health Organization (WHO) or Center for Disease Control; pandemics; or any other event beyond Our control.
Prepayment: In addition to Your right of rescission, You may prepay in full, at any time, the amount due and will not incur an additional charge, fee or penalty. If You prepay, You may be entitled to a refund of any unearned finance charge. Interest on the unpaid balance accrues at a daily rate on a daily basis from the Disbursement Date to the date of prepayment. The daily rate will be calculated by taking the Finance Charge and dividing it by the number of days in the loan. No refund or credit of an amount less than $1.00 will be made.
Late Fee: If Your payment is one or more days late, You will be charged a one-time late fee in an amount that is the lesser of $30 or 5 percent of the total late payment that is late (including finance charge), unless otherwise required by applicable law. We will not charge more than one (1) late fee on a past-due payment regardless of the length of default. You will not incur any additional fees in conjunction with the late fee.
Return Item Fee: You agree that if any of the above items is returned for any reason by the financial institution at which Your account is held, We have Your authorization to make a one-time electronic fund transfer from Your checking account for the full amount of the unpaid item, plus a $30 returned item charge unless otherwise required by applicable law.
Electronic Check Re-Presentment Policy: In the event You pay with a check and the check is returned unpaid for insufficient or uncollected funds, we may re-present the check electronically as described in the Check Conversion Notification below. In the ordinary course of business, Your original check will not be available for receipt with Your bank statement, but a copy of the electronic check can be retrieved by contacting Your financial institution.
Check Conversion Notification: If You provide a check as payment, You authorize us, our servicers or agents to use information from Your check to make a one-time electronic fund transfer from Your account in certain circumstances, such as for technical or processing reasons, or we may process the payment as a check transaction. When we use information from Your check to make an electronic funds transfer, funds may be withdrawn from Your account as soon as the same day we receive Your payment, and You will not receive Your original check back from Your financial institution.
Default/ Acceleration: You will be in default under this Agreement if any information You provide to Us is false or fraudulent in any material manner, if You provide a false signature to Us on any documents provided to Us, if You do not follow all the terms of this Agreement or if You fail to repay the Loan and any accrued fees, charges and interest in accordance with the terms of this Agreement. In the event of a default by You, all outstanding principal plus all accrued fees, charges and interest shall become immediately due and payable. If We waive Our right to seek immediate payment of all sums due and owing, such waiver shall be revocable by us at any time for any reason. Upon Your default, We have the right to exercise all of Our remedies to enforce payment in accordance with the terms of this Agreement. In the event that You are in default, finance charges will continue to accrue in accordance with the terms of the original agreement. In the event that You are in default, as described herein, and to the fullest extent permitted under applicable law, You authorize Us or any collection agency which we employ or to which Your Loan or the outstanding balance of Your Loan has been assigned, to continue to submit debits against the account identified above until such time as all amounts due and owing under this Loan Agreement have been satisfied in full.
NOTICE OF FURNISHING NEGATIVE INFORMATION: WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
Dispute Resolution/Arbitration Provision and Waiver of Jury Trial.
If any dispute or controversy occurs between Us relating to the application, interpretation, implementation or validity of this Loan Agreement, You the Borrower shall (1) contact Us directly in the event of a dispute and/or conflict in an attempt to seek resolution thereof. Upon receipt thereof, We will do everything within Our power to resolve the dispute and/or conflict in an expedited manner. (2) If the conversation with Us does not resolve the dispute and/or conflict to the mutual satisfaction of the Parties, You may submit a written complaint to the First Nations Lender’s Authority (“FNLA”) to have the dispute and/or conflict decided according to the FNLA’s dispute resolution process adopted specifically for complaints filed by individual Borrowers. This dispute resolution process can occur remotely with You (the complainant), submitting documentation to the FNLA, according to the procedure outlined on the FNLA’s website at http://fnla.ca/dispute-resolution-policy/.
Arbitration: Should the dispute or controversy not be resolved through steps 1 and 2 indicated above, the Parties agree to arbitrate any dispute or controversy, as set forth below. Arbitration is a process in which persons having a claim or dispute: (a) waive their rights to file a lawsuit and to have a judge or jury resolve their claims; and (b) agree, instead, to submit their disputes to a neutral third person (an “arbitrator”) for a decision. Each party to the dispute has an opportunity to present evidence to the arbitrator. Arbitration proceedings are less formal than court trials and are meant to allow for an efficient, streamlined procedure to resolve a dispute. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment.
You thus agree that any and all claims, disputes or demands asserted under common law or pursuant to a federal, state, or local constitution, statute, ordinance, rule, regulation or other law, as between You and Us (including employees, officers, directors, the company servicing this Loan, agents, assigns and related third parties of You or Us) and which arise from or relate to (i) this Loan; (ii) this Loan Agreement; (iii) any other loan You previously or may later obtain from Us; or (iv) the scope and validity of this arbitration provision, shall be resolved by binding arbitration. You shall have the right to select any established nationally, regionally or locally recognized arbitration organization, or any disinterested retired judge or arbitrator registered and in good standing with an arbitration association, and arbitrate pursuant to such arbitrator’s rules with regard hereto. You must inform us in writing of Your demand of the arbitration organization You have selected or whether You desire to select an individual arbitrator. If related third parties or We demand arbitration, You must notify us within twenty (20) days in writing by certified mail return receipt requested of Your decision to select an arbitration organization or Your desire to select an individual arbitrator. If You fail to so notify us, then we have the right to select the arbitration organization or disinterested individual arbitrator. All parties to such dispute will be governed by the rules and procedures of such arbitration organization or individual arbitrator applicable to consumer disputes. You may obtain a copy of the rules and procedures by contacting the arbitration organization chosen.
At Your written request we will advance Your portion of reasonably required arbitration expenses, including the filing, administrative and hearing fees. Upon showing by You of financial hardship, we will further consider reimbursement of arbitration costs. However, each party shall equally bear the arbitrator’s fees and bear his or her own attorneys’ fees and expenses, such as witness and expert witness fees.
YOU UNDERSTAND THAT THE LENDER IS A MOHAWK OR FIRST NATIONS ENTITY, LOCATED ON THE MOHAWK TERRITORY OF KAHNAWAKE IN THE PROVINCE OF QUEBEC AND IS SUBJECT TO THE LAWS OF KAHNAWAKE AND THOSE OF THE FIRST NATIONS OF CANADA. The arbitrator shall therefore have to be familiar with the applicable laws of the Mohawk Territory of Kahnawake or comparable jurisdiction, the Regulations of the FNLA and any applicable regulations and treaties as well as the indigenous laws in Canada as well as applicable federal law. The arbitrator shall apply the substantive law designated by the parties in the Governing Law section of this Agreement, including any applicable statutes of limitation, to resolve the claims asserted in the dispute. The arbitration hearing will be conducted in the county of Your residence, or within 30 miles from such county, or in the county in which the transaction under this Agreement occurred, or in such other place that is more convenient to You if authorized by the arbitrator.
At the timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator’s award may be filed with any court having jurisdiction.
You agree that the arbitrator will not allow You to serve as a representative, as a private attorney general, or in any other representative capacity for others in the arbitration. You agree that You will not bring, join, or participate in any class action claim, dispute or controversy You may have against Us or Our agents, servicers, directors, officers, and employees or any related third parties. Your claims will be determined by the arbitrator on an individual basis with You.
This arbitration provision is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act including if applicable the New York Convention referenced in Chapter 2 of the Act. Application of this forum selection for dispute resolution is not intended as a waiver of our sovereign immunity, if applicable, or of any other defenses or claims held by You or Us.
Representations and Warranties, Ability to Repay, No Bankruptcy: You represent that the amount and term of this Loan fulfills Your request for credit from us, and that You have the ability to repay the Loan in full on the Due Dates as set forth herein. You certify to Us that You are not currently a debtor under any proceeding in bankruptcy and have not filed a petition for relief under any chapter of the United States Bankruptcy Code.
Validity and Effectiveness: Wherever possible each provision of this Agreement will be interpreted in such a manner as to be effective and valid under applicable law. If any provision of this Agreement is prohibited by or invalid under applicable law, such provision will be ineffective to the extent of such prohibition or invalidity, but the remainder of such provision and the remaining provisions of this Agreement will not be invalidated.
Survival: The provisions of this Agreement providing for Dispute Resolutions/Arbitration provisions of all Disputes and the Agreement Not to Bring, Join or Participate in Class Actions shall survive repayment in full and/or default under this Loan Agreement. BY SIGNING BELOW, YOU AGREE TO ALL THE TERMS OF THIS LOAN AGREEMENT, INCLUDING THE DISPUTE RESOLUTION/ARBITRATION PROVISIONS AND THE AGREEMENT NOT TO BRING, JOIN OR PARTICIPATE IN CLASS ACTIONS. YOU ALSO ACKNOWLEDGE A RECEIPT OF A FULLY COMPLETED COPY OF THIS LOAN AGREEMENT.
Agreement To Receive Notices Electronically: While You acknowledge and agree that You have previously agreed to electronic communications, You understand that if You would like to request a physical document be mailed to You, You may do so by written request to Uncle Warbucks. You agree that, You have previously provided to us an electronic or email address and have otherwise consented to the electronic delivery of notices and disclosures and any notices may be delivered to You electronically, to the fullest extent permitted by applicable law.
Communications Consent: You authorize Us, Our assigns, successors, successors in interest and Our servicing agents (collectively hereinafter “Agents”) to contact You at any telephone number, including any cellular/mobile telephone number, and email address(es) You have provided in the loan application and Agreement for non-marketing, account management purposes, including collection of any outstanding debt You may have with Us. Telephone numbers You authorize Us and Our Agents to text message will include the cellular/mobile telephone You provided Us on the loan application or agreement as well as any numbers provided to Us or Our Agents at a later time with Your permission. You agree to pay any fee(s) or charge(s) that You may incur from third party communication service providers for incoming and outgoing messages from or to Us or Our Agents, without reimbursement from Us or them. You further agree to open and review all messages and contacts from Us in a confidential manner to ensure You are the only recipient. Additionally, You further authorize Your wireless operator to disclose Your cellular/mobile number, name, address, email, network status, customer type, customer role, billing type, cellular/mobile device identifiers (IMSI and IMEI) and other subscriber and device details, if available, to Lender and service providers for the duration of the business relationship, solely for identity verification and fraud avoidance.
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Advertising, Marketing, and Telephone Communications/Messaging Consent: If You provide Us with authorization by opting-in to our Advertising, Marketing, and Telephone Communications and Messaging policy herein, You agree that You authorize Lender and Our Agents to contact You in any manner (including text messages, robocalls/robotexts, auto-dialed calls, direct drop voice mail service, apps or live chat) at the telephone number(s) and email address(es) You provided in the loan application and Agreement to provide information on special sales or marketing offers as well as reminders, notices, suspected fraud or identity theft, obtaining information necessary for Us to service Your account, collecting on Your account, notifying You as to important issues regarding Your account, notifying You of promotions, providing coupons or other marketing materials, any other reason allowed under the Telephone Consumer Protection Act (“TCPA”), and any other lawful purpose (“Messaging”). You further agree to open and review all messages and contacts from Us in a confidential manner to ensure You are the only recipient. You further understand that this MESSAGING CONSENT is not required in order to obtain a loan from the Lender. You also understand and agree that You may withdraw Your MESSAGING CONSENT orally or in writing by mailing Us at 1329-D Arena Road, Lot 110, Kahnawake Mohawk Territory, Via:Quebec, Canada J0L1B0 or emailing Us at customerservice@unclewarbucks.com. We will not impose any fee to process the withdrawal of Your MESSAGING CONSENT. Any withdrawal of Your MESSAGING CONSENT will be effective only after We have a reasonable period of time to process Your withdrawal. For the purpose of this section, telephone numbers You authorize Us and Our Agents to text message will include the cellular/mobile telephone You provided Us on the loan application and agreement as well as any numbers provided to Us or Our Agents at a later time with Your permission. You agree to pay any fee(s) or charge(s) that You may incur for incoming and outgoing messages from or to Us or Our Agents, without reimbursement from Us or them.
Other Important Terms:
(1) Additionally, You agree that We may send Messaging through Your communication service provider in order to deliver them to You. You agree to provide a valid cellular/mobile telephone number for these Messaging services. You further agree to indemnify, defend, and hold Us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from Your provision of a cellular/mobile telephone number that is not Your own or Your violation of applicable federal, state or local law, regulation, or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. Messaging notifications are provided for Your convenience only.
(2) We will not be liable for losses or damages arising from any delay in delivery or disclosure of account information to third parties by Your communication service provider.
(3) We may modify or terminate Our Messaging services from time to time, for any reason, and without notice, without liability to You, any other user or a third party. Please review the Privacy Notice from time to time so that You are timely notified of any changes. You can do so by bookmarking and visiting the following link where the Privacy Notice is listed and may be amended: https://www.unclewarbucks.com/privacy.aspx
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Detailed Wireless Policy: If You provide Us with authorization and opt-in to send You text messages, it is Your responsibility to provide Us with a true, accurate, and complete cellular/mobile number and to maintain and update promptly any changes in this information. At Our option, We may treat Your provision of an invalid mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of Your consent to receive text messaging.
By opting-in to text messaging You are providing consent to use personal information to provide the services You have requested, including services that display customized content and advertising. Your provider’s Msg & Data Rates apply to any SMS (Short Message Service) messages. You may opt-out and remove Your SMS information by sending "STOP“, "END“, "CANCEL“, "UNSUBSCRIBE" or "QUIT" to the SMS text message You have received. If You remove Your SMS information from our database, Your number will no longer be used for secondary purposes, disclosed to third parties (if applicable) and used by us for third parties to send promotional correspondence to You (if applicable). Data obtained from You in connection with this SMS service may include Your name, address, cell phone number, Your provider’s name, the date and time, and content of Your messages. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from Your network operator. SMS message services are provided on an AS IS basis.
Governing Law: You hereby understand and acknowledge that the Mohawk People of Kahnawake are a Sovereign Nation and as such, You agree and accept that this Agreement is governed by the applicable laws and regulations of the Mohawk Territory of Kahnawake or comparable jurisdiction as well the Indigenous Laws in Canada, regulations of the First Nations Lenders Authority (the “FNLA”), applicable federal statutes setting forth consumer rights and remedies pertaining to the finance transaction made the subject of this Agreement, and by the Federal Arbitration Act. All applications, transactions and credit decisions involving Your loan with Uncle Warbucks will be deemed to have taken place according to the laws mentioned hereinabove regardless of where You may be viewing or accessing this site. The disbursement of funds will be in compliance with Uncle Warbucks policy. The laws of the Mohawk Territory of Kahnawake, Regulations of the FNLA, Indigenous Laws in Canada and applicable federal law that govern this consumer loan agreement may differ from the laws of the state where You reside. If You do not want to enter into a consumer loan agreement subject to the laws of the Mohawk Territory of Kahnawake or comparable jurisdiction as well the Indigenous Laws in Canada and regulations of the FNLA, You should apply for a loan at a provider located in the city, state or country where You live. The Loan Agreement shall be deemed executed in the Mohawk Territory of Kahnawake. Your acceptance of our Loan related services confirms Your prior acceptance of this Agreement and to be bound by laws mentioned hereinabove.
Disclosures
If for any reason You are not satisfied with Our services, please contact Us at (855) 885-4027 within Thirty (30) days following the remittance of Your final payment under Your Payment Schedule to Us to inquire about our Customer Satisfaction Guarantee Program.
Our Policy Regarding Financial Privacy
By signing this Agreement, You acknowledge that You have reviewed and agree to our privacy notice and polices posted on our website at www.unclewarbucks.com. You further agree to download and/or print a copy for Your records today. If You would like us to send You a printed copy of the Privacy Policy, You may request one by writing to us at 1329-D Arena Road, Lot 110, Kahnawake Mohawk Territory, Via:Quebec, Canada J0L1B0 or calling us at (855) 885-4027.
https://www.unclewarbucks.com/privacy.aspx
Severability: If a court finds any provisions of or changes to this Loan Agreement void, invalid or unenforceable for any reason, the remaining provisions hereof shall be deemed severable and shall not affect the validity and enforceability of any remaining section of the Loan Agreement or obligations herein.
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Important Acknowledgments:
By signing this Loan Agreement, You also agree to any Payment Authorization indicated herein and You agree to the Dispute Resolution/Arbitration Provisions and Waiver of Jury Trial.
1) THIS LOAN IS DESIGNED AS A SHORT-TERM CASH FLOW SOLUTION AND NOT DESIGNED AS A SOLUTION FOR LONGER TERM FINANCIAL PROBLEMS; (2) ADDITIONAL FEES MAY ACCRUE IF THE LOAN IS PAID LATE, IF PERMITTED; (3) CREDIT COUNSELING SERVICES ARE AVAILABLE TO CONSUMERS WHO ARE EXPERIENCING FINANCIAL PROBLEMS.
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By electronically signing this Agreement You further acknowledge that this Agreement contains all of the terms of the Agreement and that no representations or promises other than those contained in this Agreement have been made. You also further acknowledge that this Agreement was filled in before You signed it, and that You have received a completed copy of it. You also agree there is a substantial nexus between the forum and the law chosen as stated herein as well as the parties and transaction and all disputes under the Loan Agreement will be subject to the governing law and forum chosen above. You further acknowledge and agree You voluntarily selected Your loan repayment method and that Our extension of any loan to You was not conditioned on repayment of Your loan by ACH debit. You further agree that IF You select repayment by ACH debit, You will print or electronically save a copy of Your ACH Debit Authorization after You complete it and before Your first payment is due.
SIGNING THIS AGREEMENT DOES NOT OBLIGATE YOU TO ACCEPT THE LOAN. YOU ACKNOWLEDGE THE LENDER STILL NEEDS TO REVIEW AND APPROVE THE LOAN AGREEMENT, WHICH YOU AGREE WILL OCCUR ON TRIBAL LAND, AS THE LAST ACT OF THIS CONTRACT CONSUMMATION AND YOU MAY WITHDRAW BEFORE THAT TIME.
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