Arbitration Clause - Exhibit A

a. General; Rejection of Arbitration Clause. This Arbitration Clause governs when and how legal disputes between us will be arbitrated outside the court system. This Clause covers all
Claims (defined below), except you will not elect to arbitrate an individual Claim brought in small claims court, unless that Claim is transferred or appealed to a different court. Also, I
may reject this Clause, without affecting the remainder of this Contract, by sending you a rejection notice, c/o, that you receive within thirty (30) days after the date of this Contract.
I must sign any rejection notice and must include my name, address and telephone number. This is the only method I may use to reject this Clause.
b. Definitions. "Claim" means any legal dispute between you and me that arises from or relates in any way to this Contract, the Application or any goods or services provided to me by
Seller. This includes legal disputes concerning this Clause's applicability, arbitrability or enforceability. It includes disputes based on constitutional provisions, statutes, regulations,
ordinances, common law, equity, contracts, and acts of every type (whether intentional, fraudulent, reckless or negligent). It includes disputes that seek relief of any type, including
equitable relief or damages. Notwithstanding the foregoing, "Claim" does not include any challenge to the validity and effect of the "No Class Actions" provision appearing in
subsection e below. Any such challenge may be determined only by a court. "Administrator" means the American Arbitration Association, 335 Madison Avenue, New York, NY 10017
http://www.adr.org (800) 778-7879, or the National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405, www.arb-forum.com , (800) 474-2371, as the case may be,
provided that no arbitration may be administered, without the consent of all parties to the arbitration, by any organization that has in place a formal or informal policy that is
inconsistent with and purports to override the terms of this Clause.
c. Starting an Arbitration. To start an arbitration, you or I must give written notice of an election to arbitrate a Claim. This notice may be given after a lawsuit begins and may be given in
papers filed in the lawsuit. If such a notice is given, the Claim shall be resolved by arbitration under this Clause and the rules of the Administrator. I can choose the Administrator in
my written notice electing to arbitrate, or by giving you written notice of my selection within 20 days after you notify me of your election to arbitrate. If I do not do so, I will select the
Administrator. If for any reason the selected Administrator cannot or will not serve, I will have 20 days to select a new Administrator. The arbitrator will be selected under the
Administrator's rules, except that the arbitrator must be a lawyer with at least ten years of experience or a retired judge unless you and I agree otherwise.
d. Important Notice and Limitations. IF YOU OR I ELECT TO ARBITRATE A CLAIM, I WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE
CLAIM. ALSO, MY ABILITY TO OBTAIN INFORMATION FROM YOU AND TO APPEAL IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT I WOULD
HAVE IF I WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. THE FEES CHARGED BY THE ADMINISTRATOR MAY BE HIGHER THAN THE FEES CHARGED BY A
COURT.
e. No Class Actions. IF YOU OR I ELECT TO ARBITRATE A CLAIM: (1) NEITHER PARTY MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION. THIS
MEANS YOU
CANNOT BE EITHER A REPRESENTATIVE OR CLASS MEMBER. (2) NEITHER PARTY MAY PARTICIPATE IN A PRIVATE ATTORNEY PROCEEDING IN COURT OR IN THE
ARBITRATION. (3) CLAIMS BROUGHT BY OR AGAINST YOU OR ME MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON.
(4) THE ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION OR PRIVATE ATTORNEY GENERAL ARBITRATION.
f. Location and Costs. Any arbitration hearing that I attend will take place in the federal judicial district where I live. If I cannot afford the Administrator's fees or I believe they are too
high, you will consider any reasonable written request for you to bear the cost. Each party must pay for that party's own attorneys, experts and witnesses, regardless of who wins the
arbitration, except where applicable law, this Clause and/or the Administrator's rules provide otherwise. You will pay any fees or expenses you are required to pay by law.
g. Governing Law. This Agreement involves interstate commerce, and this Clause is governed by the Federal Arbitration Act, 9 U.S.C. §1, et seq. (the "FAA"), and not by any state law
concerning arbitration. The arbitrator must follow the applicable law related to any Claim, statutes of limitations, and claims of privilege. Upon the timely request of either party, the
arbitrator must write a brief explanation of the basis for the award. The arbitrator will set rules of procedure and evidence consistent with this Clause and the Administrator's rules and
need not apply federal, state or local rules of procedure and evidence.
h. Getting Information. In addition to the parties' rights to obtain information under the Administrator's rules, either party may ask the arbitrator for more information from the other party.
i. Effect of Arbitration Award. Any appropriate court may enter judgment upon the arbitrator's award. The arbitrator's decision will be final and binding, except for: (1) any appeal right
under the FAA and (2) Claims involving more than $50,000. For the latter, any party may appeal the award to a three-arbitrator panel appointed by the Administrator, which will
reconsider from the start any aspect of the initial award that is appealed. The panel's decision will be final and binding, except for any appeal right under the FAA. Unless applicable
law provides otherwise, the appealing party will pay the appeal's costs, regardless of its outcome. However, you will consider any reasonable written request for you to bear the cost.
j. Continued Effect of Arbitration Clause. This Clause will remain in force no matter what happens to me or you, even if: (1) I pay the Amount Financed and other charges in full; (2) I
default under this Contract; (3) you or I become bankrupt or insolvent or a bankruptcy or insolvency proceeding is begun by or against you or me, to the extent consistent with
applicable bankruptcy law; or (4) you begin a lawsuit to collect amounts you think I owe. A party who has asserted a Claim in a lawsuit may still elect to arbitrate any other Claim
asserted in the same lawsuit by another party.
k. Partial Enforcement; Conflicting Terms. If subsection e ("No Class Actions") cannot be enforced, then this entire Clause (other than this sentence) shall be null, void and inapplicable. If
any other portion of this Clause cannot be enforced, the rest of the Clause will continue to apply. In the event of any conflict or inconsistency between this Clause and the
Administrator's rules, this Clause will govern.

x I acknowledge and confirm that I have read, received, and accepted this Arbitration Clause, place my signature here

NAME Lazaro A. Hernandez Roque

DATE 09/16/2019
LOCATION Unknown
LEGAL SIGNATURE

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