Nov 23, 2021 01:59:57 PM CST
X{{sb1}} X{{sb2}} X{{scl}}
Buyer�s Signature Co-Buyer�s Signature Seller�s Signature 
NOTICE: SEE OTHER SIDE FOR IMPORTANT INFORMATION.  THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE 
REVISED 11-01-2021                                                                                                                                                                                                                                                                EE-DC05-W 
�1990-2021PreferredCredit,Inc.ALLRIGHTSRESERVED.Duplicationofthisdocumentwithoutthecopyrightowner�spriorwrittenconsentisstrictlyprohibited.Page1of5
 RETAIL INSTALMENT CREDIT AGREEMENT/ SECURITY AGREEMENT 
Preferred Credit, Inc. � 628 Roosevelt Road, St. Cloud, MN 56301    ZIP Line: 877-878-1079    Customer Service: 800-972-0825 EE-DC05-W 
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and 
money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an 
account.  What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to 
identify you. We may also ask to see your driver's license or other identifying documents. 
DATE: PCI ACCOUNT NO. 
Jan20,2020 01234567
BUYER: CO-BUYER: 
PAULJKROUSE
130NASHST
SUMTER,SC29150
Home:(555)555-5555
Cell:(803)775-1065
WWWWWWWW@WWWWWWWW.COMLISAKROUSE
130NASHST
SUMTER,SC29150
Home:(803)775-1065
WWWWWWWWWWWW@WWWWWWWWW.COM
By your initials below, you certify that the information provided above is 
true and correct. By your initials below, you certify that the information provided above 
is true and correct. 
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Buyer Co-Buyer 
SELLER: SALE: 
GREENWATERTECHNOLOGIES
123superfakestreet
Seomewhere,MN12345
(100)003-0300
Test3@test.comConsultant: Awesome Salesrep
PCI Client No.: 3023
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 17.99%. 
How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on 
purchases if you pay your entire balance by the due date each month. 
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of 
the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 
Fees 
Transaction Fees None. 
Penalty Fees 
Late Payment � $15.
Return Payment � No Return Payment Fee will be charged. 
How We Will Calculate Your Balance:  We use a method called �daily balance (including new purchases).� 
BillingRights:Informationonyourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedinyouraccountagreement.
1.Definitions:InthisRetailChargeAgreement(�Agreement�):Theword�Account�referstotheaccountthatisestablishedwiththeSeller,andtheirsuccessorsor
assigns,thatisthesubjectofthisAgreement.Thewords�you�and�your�refertoeachindividualwhosignstheApplicationfortheAccount,andwhoisauthorizedto
usetheAccount.Thewords�we,��us�and�our�refertotheSeller,andanyassigneeoftheSeller.Thewords�AcceptableDocumentation�shallrefertoChargeSlips,
phoneorders,orordersfromourwebsite,solongassuchordersaresigned(physicallyorelectronically)orotherwiseverballyorelectronicallyauthenticated.The
words"ApplicableLaw"shallmeanfederallawandthelawsoftheDistrictofColumbia.YouandweagreethattheseApplicableLawsapplytothisAgreement.The
words�ChargeSlip�refertothedocumentdescribingthetype,quantityandagreedpriceofmerchandiseyoubuyfromtheSeller.
2.Account:ThisAgreementappliestoyourretailchargepurchaseofgoodsandservicesfromus.TheamountofyourinitialpurchasefromSellerwillgovernthe
amountoftheinitialcreditlimitonyourAccount,whichwillbesetatahigheramountthanthecostofthegoodspurchasedbasedonourexpectationthatyouwilluse
theAccounttomakeadditionalpurchases.Youmaymakeadd-onpurchasesfromtheSellerorSeller'sassignswhichwillbeevidencedbyAcceptable
Documentation.AcceptableDocumentationmustprovidethecashpriceofthemerchandisepurchased.BysigningfutureAcceptableDocumentationyouagreethose
purchasestherebyconfirmedwillbesubjecttothisAgreement.Youagreethatadd-onorderswhichexceedthecreditlimitestablishedwithyourinitialorderare
subjecttocreditapproval.Wereservetherighttodenyauthorizationforanyrequestedcreditlimitincrease.
3.PromisetoPay:InreturnforextendingcredittoyouonthisAccountfromtimetotime,eachofyouagreestopayforallpurchasesanyofyouchargeonthis
Account,andallotherchargesmentionedbelow,accordingtothetermsofthisAgreement.WhenyousigntheApplicationforthisAccount,youwillbeagreeingtothe
termsandconditionsinthisAgreement,whichincludethecostofcreditdisclosuresrequiredbyApplicableLaw.ThisAgreementwillnotbeeffectiveuntilweapprove
yourApplication,andweorourassigneeprovidesanydisclosuresrequiredbytheFederalTruthinLendingAct,andthen,afterthat,onlyifyouorsomeone
authorizedbyyousignaChargeSliporotherwisechargeapurchasetothisAccount.
4.Billing:Youwillbebilledmonthlyforcreditpurchasesfromus,asshownonaChargeSlipsignedbyyou(orcompletedatyourdirection),andforanyprevious
unpaidbalanceasrequiredbyApplicableLaw.Youwillreceiveamonthlyperiodicstatementofaccountforanymonthinwhichyouhaveanoutstandingbalanceof
 X{{sb1}} X{{sb2}} X{{scl}}
Buyer�s Signature Co-Buyer�s Signature Seller�s Signature 
NOTICE: SEE OTHER SIDE FOR IMPORTANT INFORMATION.  THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE 
REVISED 11-01-2021                                                                                                                                                                                                                                                                EE-DC05-W 
1990-2021PreferredCredit,Inc.ALLRIGHTSRESERVED.Duplicationofthisdocumentwithoutthecopyrightowner�spriorwrittenconsentisstrictlyprohibited.Page2of5morethan$1.00oronwhichanInterestChargehasbeenimposed.Yourmonthlyperiodicstatementofaccountwillshowyournewunpaidbalance,anynew
purchasesyouhavemadesinceyourlastmonthlyperiodicstatementofaccount,andyourMinimumMonthlyPayment.Yourcreditlimitwillalsobeshownonyour
monthlyperiodicstatementofaccount.
5.Payment:YouhavetherighttopayyourentirebalanceinfullormorethantheMinimumMonthlyPaymentatanytime.Otherwise,youagreetopayat
leasttheMinimumMonthlyPayment,whichincludesInterestCharges.YoumustmakepaymentinU.S.Dollars,withadraft,moneyorder,orcheckdrawnonaU.S.
BankortheU.S.PostOffice.Wemayacceptlatepayment,partialpayments,oranypaymentsmarked"paymentinfull,"withoutlosinganyofourrightsunderthis
AgreementorApplicableLaw.
6.InterestCharges:UnlessyouareofferedaPromotionalCreditPlanasdescribedbelow,andasnotprohibitedbyApplicableLaw,InterestChargeswillbeginto
accrueupondeliveryofthemerchandiseyoupurchase.Deliveryoccursupontheearlierofthedateofshipmentofthemerchandise,orthedateofhanddeliveryof
themerchandise.NoInterestChargeswillbeimposedonnewpurchases,however,if:(a)therewasnooutstandingbalanceunderyourAccountatthebeginningof
thebillingperiodinwhichthepurchasewasmade(whichincludestheperiodinwhichyoumakeyourinitialpurchaseofmerchandiseunderthisAgreement),and(b)
youpayoffyourAccountinfullbythepaymentduedatereflectedinthemonthlyperiodicstatementofaccountforthatbillingperiod(thoughnopaymentmaybedue).
WefiguretheInterestChargeonyourAccountbyapplyingthedailyperiodicratetothe�dailybalance�ofyouraccountforeachdayinthebillingcycle. Todetermine
thedailybalance,wetakethebeginningbalanceeachday,addanynewchargespostedthatday,andsubtractanypaymentsandcreditspostedthatday.Thisgives
usthedailybalance. Then,wecalculatetheamountofinterestchargedbymultiplyingtheapplicabledailyperiodicratebyeachdailybalanceonyouraccount. Your
InterestChargeforthebillingcycleisthesumoftheinterestamountsthatwerechargedeachdayduringthebillingcycle.Yourdailyperiodicrateandthe
correspondingAnnualPercentageRateareindicatedonthechartbelow.Thedailyperiodicratewillbetheannualratedividedby365(366inaleapyear).
Applicable
LawDaily
PeriodicRateCorresponding
ANNUALPERCENTAGERATEByyourinitialsbelow,youacknowledgeInterest
Chargeswillbeimposedinamountsorratesnotto
exceedthoseinthecharttotheleftunless
otherwisestatedonyourChargeSlip.
DC 0.0493% 17.99% 
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Buyer Co-Buyer 
Notwithstandingtheabove,ifwereceivepaymentinfulloftheoutstandingbalanceofyourAccount,asshownonthebillingstatement,within25daysaftertheendof
thatbillingperiod,wewillnotimposeInterestChargesforthecurrentbillingperiod.
7.MinimumMonthlyInterestCharge:AsnotprohibitedbyApplicableLaw,iftheInterestChargethatresultsfromtheapplicationoftheabovestateddailyperiodic
rate(the"CalculatedInterestCharge"),islessthan$0.50,wewillimposeaminimummonthlyINTERESTCHARGEof$0.50.
8.MinimumMonthlyPayment:YouwillmakepaymentsofatleastthetotalMinimumMonthlyPaymenteachmonthasrequiredbyourmonthlyperiodicstatements
ofaccount.YourtotalMinimumMonthlyPaymentwillconsistof:(1)anypastdueamounts,and(2)aregularlyscheduledMinimumMonthlyPayment.Theregularly
scheduledMinimumMonthlyPaymentwillbethegreaterof:(a)$25;or(b)thehighestregularlyscheduledMinimumMonthlyPaymentshownonanyChargeSlip
youexecute,nottoexceed3.5%oftheAccountbalanceimmediatelyfollowingthefirstoranysubsequentpurchaseonyourAccount.
9.PromotionalCreditPlans:InadditiontopurchasesthataccrueInterestChargesandrequiremonthlypaymentsasdescribedpreviouslyinthisAgreement,as
partofthisAccount,PromotionalCreditPlansmaybeofferedfromtimetotimeonspecificadditionalpurchasesforqualifiedbuyers.Purchasesmadeunderthese
PromotionalCreditPlansmayhavedifferentinterestchargecalculationsandrequiredminimumpayments.APromotionalCreditPlanisstrictlylimitedbyitstermsand
thetermsandconditionsofthespecialpromotiontowhichitrelates.Inaddition,thebenefitsofaPromotionalCreditPlanwillexpireandallaccruedInterestCharges
intheseplanswillbeaddedtoyourAccountifyoufailtopaythepromotionalbalancebytheendofthepromotionalperiodoryouareindefaultforaperiodof60or
moredaysduringthepromotionalperiod.Thespecialpromotionsthatmaybeofferedinclude:
9.a.SameasCashPlan:IfyoupaythefullpurchasepricebeforetheexpirationdateofaSameasCashPlan,asindicatedonyourmonthlyperiodicstatementof
account,andpaytheMinimumMonthlyPaymenteachbillingperiodwhendue,noInterestChargeswillbeimposedonthepurchase.Ifsuchpaymentsarenotmade,
InterestChargesfromthedateofdeliverywillbeaddedtoyourAccounteitherwhenyoufailtomakeapaymentwithin60daysoftheduedateor,attheendofthe
SameasCashPlanperiodifanyportionofthepromotionalbalanceremainsoutstanding.
9.a.1HowPaymentsAreAppliedWhenSameasCashPlanIsInEffect:UnlessotherwiserequiredbyApplicableLaw,duringthetwobillingcyclesimmediately
precedingexpirationoftheSameasCashPlanperiod,anyamountpaidinexcessoftheminimumpaymentduewillbeallocatedfirsttothebalancesubjecttothe
SameasCashPlanandanyremainingportiontoanyotherbalances.WemayofferSameasCashPlanperiodsof6months,9months,12monthsorofdifferent
lengthsthatwewillannouncefromtimetotime.
10.ApplicationofPayments:UnlessotherwiserequiredbyApplicableLaw,paymentsexceptdownpayments,shallbeappliedfirsttopastdueMinimumMonthly
Payments,beginningwiththeoldest,thentothecurrentMinimumMonthlyPayment,andthentootherunpaidlatefees,costsandfeesarisingunderthisAgreement.
11.OtherCharges:
11.a.LateFees:Youwillpaythemaximumlatefeeallowed(whichyouagreewewilladdtothebalancedueonyourAccount)forpaymentsnotmadeontime,
calculatedasApplicableLawallows.ThestatutorytimeperiodforimpositionofaLateFeeis10daysaftertheduedate(�DueDate�)foreachpaymentnotreceived
onthescheduledDueDate.Currently,themaximumlatefeeallowedis$15.Notwithstandingtheprecedingprovisions,youwillnotbechargedmorethantheamount
oftherequiredminimumperiodicpaymentdueimmediatelypriortotheassessmentofthelatepaymentfee.
11.b.PhonePaymentProcessingFee:Youwillpaythecurrentphonepaymentprocessingfee(whichyouagreewewilladdtothebalancedueonyourAccount)
foreachexpeditedpaymentyoumakebyphone.Thecurrentphonepaymentprocessingfeeis$11.75.
12.SecurityAgreement:YougrantusapurchasemoneysecurityinterestineachhouseholdgoodpurchasedwiththisAccount(�Goods�)tothefullextentnot
prohibitedbyApplicableLaw(includingtheUniformCommercialCodewhichmayrequirethatwesign,fileorrecordoneormoreUCCfinancingstatements,fixture
filingsorotherdocumentstoperfectorotherwiseprotectthissecurityinterest).Youwill,onrequest,takeallreasonableactionsrequestedbyustopreserveand
protecttheGoodsandoursecurityinterestintheGoods.Youalsoagreetotakeallreasonableactionsrequestedbyustoestablish,determinethepriorityof,perfect,
continuetheperfectionof,terminateorenforceoursecurityinterestintheGoodsandourrightsunderthisAgreement.Inadditiontootherrightswemayhaveunder
thisAgreement,ifyoudonotmakepaymentsasagreed,thissecurityinterestallowsustotakeactionsnotprohibitedbyApplicableLawgoverningsecurityinterestsin
theGoods.YoualsoagreetokeeptheGoodsinstalledattheaddressyouprovidedinyourcreditapplicationandtonotremoveoraltertheGoodswithoutourprior
writtenconsent.YoumaylosetheGoodsifyoudonotmeetyourobligationstousunderthisAgreement.Wehavenot(andwillnot)takeanysecurityinterestto
securerepaymentofobligationsunderthisAgreementapartfromaninterestingoodsassetforthherein,evenwhenafinancingstatementisfiled.Accordingly,wedo
notmaintainanyinterestinyourdwellingorrealpropertyandwaiveanyrightwe(orourassignee)mayhavetoforecloseonrealpropertypursuanttoanyapplicable
realpropertyforeclosurelaws.
13.Default:Ifyoufailtomakeanypaymentwhendue,oriftheprospectofyourpayment,performance,orourrealizationofcollateralissignificantlyimpaired,tothe
extentnotprohibitedbyApplicableLaw,andsubjecttoanynoticerequiredbyApplicableLaw,wemaydeclarethefullremainingbalanceimmediatelydueand
payable.Wemayalsorepossessanyarticleofmerchandiseinwhichweretainasecurityinterestifwedosopeacefullyandthelawallowsit.Notwithstandingthe
precedingprovisions,intheeventofalatepaymentornonpayment,wewillnotdeclarethefullremainingbalanceimmediatelydueandpayableorrepossessany
articleofmerchandiseif,withintendaysofthedateonwhichtheinstallmentwasdue,wereceivepaymenttogetherwithanylatefees.Ifyoufailtopaywithin10days X{{sb1}} X{{sb2}} X{{scl}}
Buyer�s Signature Co-Buyer�s Signature Seller�s Signature 
NOTICE: SEE OTHER SIDE FOR IMPORTANT INFORMATION.  THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE 
REVISED 11-01-2021                                                                                                                                                                                                                                                                EE-DC05-W 
1990-2021PreferredCredit,Inc.ALLRIGHTSRESERVED.Duplicationofthisdocumentwithoutthecopyrightowner�spriorwrittenconsentisstrictlyprohibited.Page3of5oftheduedate,wemay,atouroption,declarethefullremainingbalanceimmediatelydueandpayable,totheextentpermittedbyApplicableLaw.Inaddition,wewill
notrepossessanymerchandise.UnlessrequiredbyApplicableLawtoprovideyouanoticeofarighttocure,youagreethatwedonothavetogiveyounoticethatwe
intendtodemandoraredemandingimmediatepaymentofallyouowe.
14.CancelingorReducingYourCreditLimit:WehavetherightatanytimetolimitorterminatetheuseofyourAccountandraiseorloweryourcreditlimitwithout
givingyouadvancenotice.Somepurchaseswillrequirepriorauthorization,inwhichcaseyoumaybeaskedtoprovideidentification.Ifourauthorizationssystemis
unavailable,wemaynotbeabletoauthorizeatransaction,evenifyouhavesufficientcredit.Wewillnotbeliabletoyouifthishappens.Wearenotresponsibleforthe
refusalofanyonetoacceptorhonoranadditiontothisAccount.Inaddition,evenifyoucanceltheuseofyourAccount,youarestillresponsibleforanyAccount
balancesincurredbyanauthorizeduserthatremainunpaid.
15.ChangeinTerms:YouagreethatwemayamendthetermsofthisAgreement,subjecttoanynoticerequiredbyApplicableLaw.Totheextentnotprohibitedby
ApplicableLaw,anynewtermsmaybeappliedtoanybalanceexistingontheAccountatthetimeofthechange,aswellassubsequenttransactions.
16.NoOralModifications:YouagreethatwearenotboundbyanyoralagreementsororalmodificationstothisAgreement.
17.DelayinTakingAction:WewillnotloseanyofourrightsunderthisAgreementifwedelaytakingactionforanyreason.Totheextentnotprohibitedby
ApplicableLaw,wemaytakeotheractionnotdescribedinthisAgreement,andbydoingsowillnotloseourrightsunderthisAgreement.
18.Severability:IfanyprovisionofthisAgreementisfoundtobeunenforceable,allotherprovisionsshallremaininfullforceandeffect.
19.ApplicableLaw:ThelawthatappliestothisAgreementisdefinedinthisAgreementatparagraph1.Definitions.
20.TelephoneRecording:Youunderstandandagreethatforourmutualprotection,wemayelectronicallyrecordanyofyourtelephoneconversationsconducted
withSellerorSeller'sassigns,includingPreferredCredit,Inc.(PCI),withoutfurthernoticetothepartiestosuchconversations.Thesetelephoneconversationsinclude
allconversationsbetweenyouandSellerorSeller'sassignscommunicatedviatraditionaltelephonewireandwirelessdevicessuchascordlessandcellularphones.
YouacknowledgeandconsenttotheretentionofanduseofsuchrecordingsbySellerorSeller'sassigns,theiremployees,representativesandagentsofall
informationanddataobtainedinanyrecordedconversationforpurposesofsettlingdisputesaswellasforongoingqualityassuranceprograms.
21.Communications:Youexpresslyauthorizeusorouragentstocontactyouatanyphonenumber(includingmobile,cellular/wireless,orsimilardevices),fax
number,oremailaddress,youprovideatanytime,foranylawfulpurpose.Thewaysinwhichwemaycontactyouincludeliveoperator,automatictelephonedialing
systems(auto-dialer),prerecordedmessage,textmessage,fax,oremail.Suchlawfulpurposesinclude,butarenotlimitedto:obtaininginformation;account
transactionsorservicing-relatedmatters;suspectedfraudoridentitytheft;collectionontheAccount;andprovidinginformationaboutspecialproductsandservices.
Youagreetopayanyfee(s)orcharge(s)thatyoumayincurforincomingcommunicationsfromusoroutgoingcommunicationstous,toorfromanysuchnumber,or
emailaddress,withoutreimbursementfromus.
22.CreditInvestigationandReporting:Youagreethatwemayinvestigateyourcreditinconnectionwiththeinitialextension,review,orcollectionofyourAccount.
Youagreethatwemayexamineemploymentandincomerecords,verifyyourcreditreferences,andreporttocreditreportingagencies,merchants,andother
creditorsthestatusandpaymenthistoryofyourAccount.Anegativecreditreportmaybesubmittedtoacreditreportingagencyifyoufailtofulfillthetermsofyour
creditobligations.
SellercertifiesthattheinformationcontainedinthecontractcomplieswiththeDistrictofColumbiaMunicipalRegulations,Title16,Chapter1.
BUYER�SRIGHTTOCANCEL
If this agreement was solicited at or near your residence and you do not want the goods or services, you may cancel this agreement by mailing a 
The notice must say that you do not want the goods or services and must be mailed before midnight of the third business day after you sign this 
must be mailed to: 
FIRM:GREENWATERTECHNOLOGIES
ADDRESS:123superfakestreet
CITY:Seomewhere STATE:MN ZIP:12345
If you cancel, the seller may not keep any of your cash down payment. 
ARBITRATIONPROVISION
ThisArbitrationProvisionsignificantlyaffectsyourrightsinanydisputewithus.PleasereadthisArbitrationProvisioncarefullybeforeyousignit.
1.EITHERYOUORWEMAYCHOOSETOHAVEANYDISPUTEBETWEENUSDECIDEDBYARBITRATIONANDNOTINCOURT.
2.IFADISPUTEISARBITRATED,YOUANDWEWILLEACHGIVEUPOURRIGHTTOATRIALBYTHECOURTORAJURYTRIAL.
3.IFADISPUTEISARBITRATED,YOUWILLGIVEUPYOURRIGHTTOPARTICIPATEASACLASSREPRESENTATIVEORCLASSMEMBERON
ANYCLASSCLAIMYOUMAYHAVEAGAINSTUS.
4.THEINFORMATIONYOUANDWEMAYOBTAININDISCOVERYFROMEACHOTHERINARBITRATIONISGENERALLYMORELIMITEDTHANINA
LAWSUIT.
5.OTHERRIGHTSTHATYOUANDWEWOULDHAVEINCOURTMAYNOTBEAVAILABLEINARBITRATION.
6.EVENIFADISPUTEISARBITRATED,WECANSTILLREPOSSESSYOURMERCHANDISEIFYOUDONOTHONORYOURAGREEMENTANDYOU
ORWEMAYSEEKPROVISIONALREMEDIESFROMACOURT.
Anyclaimordispute,whetherincontract,tortorotherwise(includingtheinterpretationandscopeofthisclauseandthearbitrabilityofanyissue),betweenyouandus
orouremployees,agents,successorsorassigns,whicharisesoutoforrelatesinanymannertothepurchaseandfinancingofthemerchandiseunderthe
Agreementoranyresultingtransactionorrelationship(includinganysuchrelationshipwiththirdpartieswhodonotsigntheAgreement)shall,atyourorourelection
(ortheelectionofanysuchthirdparty),beresolvedbyneutral,bindingarbitrationandnotbyacourtaction.Anyclaimordisputeistobearbitratedonanindividual
basisandnotasaclassaction,andyouexpresslywaiveanyrightyoumayhavetoarbitrateaclassaction(thisiscalledthe"classactionwaiver").You
maychoosetheapplicablerulesofeithertheAmericanArbitrationAssociation(1-800-778-7879),JAMS(800-352-5267)oranyothernationallyrecognizedarbitration
organization,subjecttoourapproval,andifthearbitrationorganizationselectedbyyouisunwillingtoserve,weshallselectthearbitrationorganization.Wewaivethe
righttorequireyoutoarbitrateanindividual(asopposedtoaclass)claimiftheamountyouseektorecover,includingattorneys'feesandexpenses,islessthan
$7,500orthemaximumjurisdictionthevenueofastatecourtprovidingfortheresolutionofsmallclaims.Youmayobtainacopyoftherulesoftheseorganizations
bycallingthenumbersindicatedorbyvisitingtheirwebsites.
Thearbitratorsshallbeattorneysorretiredjudgesandshallbeselectedinaccordancewiththeapplicablerules.Thearbitrationawardshallbeinwriting,butwithout
asupportingopinion.Thearbitrationhearingshallbeconductedinthefederaldistrictinwhichyoureside.Ifyoudemandarbitrationfirst,youwillpayonehalfofany
arbitrationfilingfee.Wewillpaytherestofthefilingfee,andthewholefilingfeeifwedemandarbitrationfirstorifthearbitratordeterminesthatapplicablelaw
requiresustodosoorthatyouareunabletodosoorthatwemustdosoinorderforthisArbitrationProvisiontobeenforceable.Wewillpaythearbitrationcostsand
feesforthefirstdayofarbitration,uptoamaximumofeighthours.Wewillalsopayanyfeesandchargesthatthearbitratordeterminesthatwemustpayin
ordertoassurethatthisArbitrationProvisionisenforceable.Thearbitratorshalldecidewhoshallpayanyadditionalcostsandfees. X{{sb1}} X{{sb2}} X{{scl}}
Buyer�s Signature Co-Buyer�s Signature Seller�s Signature 
NOTICE: SEE OTHER SIDE FOR IMPORTANT INFORMATION.  THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE 
REVISED 11-01-2021                                                                                                                                                                                                                                                                EE-DC05-W 
1990-2021PreferredCredit,Inc.ALLRIGHTSRESERVED.Duplicationofthisdocumentwithoutthecopyrightowner�spriorwrittenconsentisstrictlyprohibited.Page4of5Thearbitrator'sawardshallbefinalandbindingonallparties,exceptintheeventwhereeitherthereisa�takenothing�awardortheawardisinexcessof
$100,000eitherpartymayrequestanewarbitrationundertherulesofthearbitrationorganizationbyathree-arbitratorpanel.
ThisArbitrationProvisionrelatestoacontractthatevidencesatransactioninvolvinginterstatecommerce.AnyarbitrationunderthisArbitrationProvisionshallbe
governedbytheFederalArbitrationAct(9U.S.C.��1etseq.).Ifacourtshoulddeterminethatthetransactiondidnotinvolveinterstatecommerce,theparties
agreethatthisArbitrationProvisionshallbegovernedbystatelaw.
IfanypartofthisArbitrationProvisionotherthantheClassActionWaiverisfoundbyacourtorarbitratortobeunenforceable,theremaindershallbeenforceable.
ThisArbitrationProvisionshallsurvivetheterminationofanycontractualagreementbetweenyouandus,whetherbydefaultorrepaymentinfull.
Youmayelecttoopt-outofthearbitrationprovisiononlybynotifyingusinwritingatPreferredCredit,Inc.,628RooseveltRoad,St.Cloud,MN56301within30
daysfromthedateinwhichyousignedthisAgreement,andincludinginthenoticeyourname,addressandaccountnumberandaclearstatementthatyoudonot
wishtoresolvedisputesthrougharbitration.Nooneelsemaysigntherejectionnoticeforyou.Yourrejectionnoticealsomustnotbesentwithanyother
correspondence.RejectionofarbitrationwillnotaffectyourotherrightsorresponsibilitiesunderthisAgreement.Ifyourejectarbitration,neitheryounorwewillbe
subjecttothearbitrationprovisionsforthisAgreement.RejectionofarbitrationforthisAgreementwillnotconstituterejectionofanypriororfuturearbitration
provisionbetweenyouandus.
NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD 
ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY 
HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
NOTICE TO BUYER: (a) Do not sign this Agreement before you read it or if any spaces intended for the agreed terms are left blank. (b) You are 
entitled to an exact readable copy of this Agreement at the time you sign it. (c) You may at any time pay off the full unpaid balance under this 
Agreement. 
Your signature(s) below mean that (a) you have read and understand the terms and conditions as set forth on all pages of this Agreement; (b) you 
agree to the terms of this Agreement; (c) you will pay any advances made under this Agreement according to its terms and (d) you have received 
a completely filled in copy of this Agreement. Keep this Agreement to protect your legal rights. 
BUYER: BUYER SIGNATURE: 
PAULJKROUSE
{{sb1}}
CO-BUYER : CO-BUYER SIGNATURE: 
LISAKROUSE
{{sb2}}
SELLER: SALE: SELLER  SIGNATURE: 
GREENWATERTECHNOLOGIES
123superfakestreet
Seomewhere,MN12345
(100)003-0300
Test3@test.comConsultant: Awesome Salesrep
PCI Client No.: 3023 {{scl}}
Your Billing Rights. Keep This Notice For Future Use. This notice contains important information about your rights and our responsibilities under 
the Fair Credit Billing Act. 
What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at: Preferred Credit, Inc., 628 Roosevelt Road, St. Cloud, MN 56301 . 
In your letter, give us the following information: 
Account information :  Your name and account number. �
Dollar amount :  The dollar amount of the suspected error. �
Description of problem :  If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. �
You must contact us: 
Within 60 days after the error appeared on your statement. �
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. �
You must notify us of any potential errors in writing . You may call us, but if you do we are not required to investigate any potential errors and you may have 
to pay the amount in question. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 1.
Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 2. X{{sb1}} X{{sb2}} X{{scl}}
Buyer�s Signature Co-Buyer�s Signature Seller�s Signature 
NOTICE: SEE OTHER SIDE FOR IMPORTANT INFORMATION.  THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE 
REVISED 11-01-2021                                                                                                                                                                                                                                                                EE-DC05-W 
1990-2021PreferredCredit,Inc.ALLRIGHTSRESERVED.Duplicationofthisdocumentwithoutthecopyrightowner�spriorwrittenconsentisstrictlyprohibited.Page5of5While we investigate whether or not there has been an error: 
We cannot try to collect the amount in question, or report you as delinquent on the amount. �
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. �
While you do not have to pay the amount in question, you are responsible for the remainder of your balance. �
We can apply any unpaid amount against your credit limit. �
After we finish our investigation, one of two things will happen: 
If we made a mistake : You will not have to pay the amount in question or any interest or other fees related to that amount. �
If we do not believe there was a mistake :  You will have to pay the amount in question, along with the applicable interest and fees.  We will send �
you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we 
think you owe. 
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot report you as delinquent without also reporting that you are questioning your bill.  We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
Your Rights If You Are Dissatisfied With Your Account Purchases : 
If you are dissatisfied with the goods or services that you have purchased with your Account and you have tried in good faith to correct the problem with the 
merchant, you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 
The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 1.
been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services.) 
You must have used your Account for the purchase.  Purchases made with cash advances from an ATM or with a check that accesses your 2.
account do not qualify. 
You must not yet have fully paid for the purchase. 3.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Preferred Credit, Inc., 628 Roosevelt Road, St. 
Cloud, MN 56301 . 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that 
point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
ASSIGNMENT � OFFICE USE ONLY 
Assignment by Seller: For Value Received: Seller sells and assigns this Retail Charge Agreement (the �Agreement�) to Preferred Credit, Inc., 628 
Roosevelt Road, St. Cloud, MN 56301, the assignee, its successors  and assigns, including all of Seller�s rights, title, and interest in this Agreement. 
Assignee has full power to take all legal and other actions, which Seller could have taken under this Agreement. The undersigned acknowledges that this 
Assignment incorporates by reference the terms of the Finance Agreement between the undersigned and Preferred Credit, Inc. including but not limited to 
the representations, warranties, liabilities, conditions and obligations of the undersigned contained therein. 
GREENWATER TECHNOLOGIES X
(Corporate, Firm or Trade Name of Seller) (Owner, Officer or Firm Member) 
THIS DOCUMENT IS SUBJECT TO A SECURITY INTEREST IN FAVOR OF US BANK NATIONAL ASSOCIATION.