553-GA-ARB-ea 7/23

RETAIL INSTALLMENT SALE CONTRACT – SIMPLE FINANCE CHARGE

(WITH ARBITRATION PROVISION)

Buyer Name and Address (Including County and Zip Code) Co-Buyer Name and Address (Including County and Zip Code) Seller-Creditor (Name and Address)
CHARLES HUMECA MANDONDA ERNESTO GIZELA MALUNGO ERNESTO ALM MALL OF GEORGIA
335 SABATTUS ST 335 SABATTUS ST 4228 BUFORD DRIVE
LEWISTON, ME ANDROSCOGGIN, 04240 LEWISTON, ME ANDROSCOGGIN, 04240 BUFORD, GA 30518

Cell: (240) 715-7688 Cell: (207) 312-9523

Email: [email protected] Email: [email protected]
You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle
on credit under the agreements in this contract. You agree to pay the Seller - Creditor (sometimes ‘‘we’’ or ‘‘us’’ in this contract) the Amount
Financed and Finance Charge in U.S. funds according to the payment schedule below. We will figure your finance charge on a daily basis. The
Truth-In-Lending Disclosures below are part of this contract.
New/Used Year Make and Model Vehicle Identification Number Primary Use For Which Purchased
Personal, family, or household unless
otherwise indicated below
USED 2021 NISSAN ROGUE 5N1AT3BBXMC769973  business
 agricultural  N/A

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FEDERAL TRUTH-IN-LENDING DISCLOSURES Returned Check Charge: You agree to pay a charge
equal to the greater of $30 or 5% of the check amount

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ANNUAL FINANCE Amount Total of Total Sale
PERCENTAGE CHARGE Financed Payments Price if any check you give us is dishonored and we make
RATE The dollar The amount of The amount you will The total cost of written demand that you do so.
The cost of amount the credit provided have paid after you your purchase on
your credit as credit will to you or have made all credit, including
a yearly rate. cost you. on your behalf. payments as your down NOTICE: ANY HOLDER OF THIS

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scheduled. payment of CONSUMER CREDIT CONTRACT IS
$ 7,000.00 is
SUBJECT TO ALL CLAIMS AND
DEFENSES WHICH THE DEBTOR
16.86 % $ 13,721.47 $ 21,957.53 $ 35,679.00 $ 42,679.00 COULD ASSERT AGAINST THE
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Your Payment Schedule Will Be: (e) means an estimate SELLER OF GOODS OR SERVICES
Number of Amount of When Payments OBTAINED PURSUANT HERETO OR
WITH THE PROCEEDS HEREOF.
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Payments Payments Are Due

RECOVERY HEREUNDER BY THE
75 $ 475.72 Monthly beginning 05/15/2024 DEBTOR SHALL NOT EXCEED
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One Final AMOUNTS PAID BY THE DEBTOR

Payment Of $ N/A On N/A HEREUNDER.
N/A If the goods or services are obtained
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primarily for business or agricultural use,

Buyer will not assert against any
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Late Charge. If payment is not received in full within 10 days after it is due, you will pay a late charge of subsequent holder or assignee of this
$ 50.00 or 5 % of the part of the payment that is late, whichever is less. contract any claims or defenses the Buyer
(debtor) may have against the Seller, or
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Prepayment. If you pay early, you will not have to pay a penalty.
Security Interest. You are giving a security interest in the vehicle being purchased. against the manufacturer of the vehicle or
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Additional Information: See this contract for more information including information about nonpayment, default, equipment obtained under this contract,
any required repayment in full before the scheduled date and security interest. unless the law allows it.

 VENDOR'S SINGLE INTEREST INSURANCE (VSI insurance): If the preceding box is checked, the Creditor requires VSI insurance for the initial term of the
contract to protect the Creditor for loss or damage to the vehicle (collision, fire, theft, concealment, skip). VSI insurance is for the Creditor's sole protection. This
insurance does not protect your interest in the vehicle. You may choose the insurance company through which the VSI insurance is obtained. If you elect to
purchase VSI insurance through the Creditor, the cost of this insurance is $ N/A and is also shown in Item 4B of the Itemization of Amount Financed. The
coverage is for the initial term of the contract.

Agreement to Arbitrate: By signing below, you agree that, pursuant to the Arbitration Provision on page 5 of this contract, you or we may elect to resolve any
dispute by neutral, binding arbitration and not by a court action. See the Arbitration Provision for additional information concerning the agreement to arbitrate.
Buyer Signs X Co-Buyer Signs X

LAW 553-GA-ARB-ea 7/23 v1 Page 1 of 5

ITEMIZATION OF AMOUNT FINANCED Insurance. You may buy the physical damage insurance this
1 Cash Price (including taxes of $ 1,258.13 24,229.13 contract requires from anyone you choose who is authorized to
) $ (1) sell such insurance in Georgia. You may also provide the physical
damage insurance through an existing policy owned or controlled
by you that is acceptable to us. You are not required to buy any
2 Total Downpayment =
other insurance to obtain credit unless the box indicating Vendor’s
Trade-in N/A Single Interest Insurance is required is checked on page 1 of this
(Year) (Make) (Model) contract.
Gross Trade-In Allowance $ N/A If any insurance is checked below, policies or certificates
from the named insurance companies will describe the terms
Less Pay Off Made By Seller to N/A $ N/A and conditions.
Equals Net Trade In $ N/A Check the insurance you want and sign below:
+ Cash $ 7,000.00 Optional Credit Insurance
+ Other N/A $ N/A  Credit Life:  Buyer  Co-Buyer  Both
+ Other N/A $ N/A  Credit Disability:  Buyer  Co-Buyer  Both
+ Other N/A $ N/A Premium:
(If total downpayment is negative, enter ‘‘0’’ and see 4I below) $ 7,000.00 (2) Credit Life $ N/A
3 Unpaid Balance of Cash Price (1 minus 2) $ 17,229.13 (3) Credit Disability $ N/A
4 Other Charges Including Amounts Paid to Others on Your Behalf Insurance Company Name N/A
(Seller may keep part of these amounts): N/A
A Cost of Optional Credit Insurance Paid to Insurance Company or Companies. Home Office Address N/A
$ N/A N/A

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Life
Disability $ N/A $ N/A Credit life insurance and credit disability insurance are not
required to obtain credit. Your decision to buy or not buy credit
B Vendor’s Single Interest Insurance Paid to Insurance Company $ N/A life insurance and credit disability insurance will not be a factor
N/A in the credit approval process. They will not be provided

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C Other Optional Insurance Paid to Insurance Company or Companies $ unless you sign and agree to pay the extra cost. If you choose
D Optional Gap Contract $ N/A this insurance, the cost is shown in Item 4A of the Itemization
of Amount Financed. Credit life insurance is based on your
E Official Fees Paid to Government Agencies original payment schedule. This insurance may not pay all you
to N/A for N/A $ N/A owe on this contract if you make late payments. Credit
disability insurance does not cover any increase in your
to N/A for N/A N/A

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$ payment or in the number of payments. Coverage for credit life
to N/A for N/A $ N/A insurance and credit disability insurance ends on the original
due date for the last payment unless a different term for the
F Government Taxes Not Included in Cash Price $ N/A insurance is shown below.
G Government License and/or Registration Fees
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N/A
REGISTRATION FEE $ 497.40
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H Government Certificate of Title Fees $ 33.00

I Other Charges (Seller must identify who is paid and describe purpose.) Other Optional Insurance
to N/A N/A
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for Prior Credit or Lease Balance $  N/A N/A

to DEALER for DOCUMENTATION FEE $ 899.00 Type of Insurance Term
to STATE for ELECTRONIC FILING FEE $ 199.00 Premium $ N/A
3,100.00
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to EASY CARE for SERVICE CONTRACT $ Insurance Company Name N/A

to N/A for N/A $ N/A N/A
to N/A for N/A N/A Home Office Address N/A
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$
to N/A for N/A $ N/A N/A
to N/A for N/A $ N/A  N/A N/A
N/A
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to N/A for N/A $

Type of Insurance Term
to N/A for N/A $ N/A Premium $ N/A
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to N/A for N/A $ N/A Insurance Company Name N/A

to N/A for N/A $ N/A N/A
to N/A for N/A $ N/A Home Office Address N/A
Total Other Charges and Amounts Paid to Others on Your Behalf $ 4,728.40 (4) N/A
5 Amount Financed (3 + 4) $ 21,957.53 (5) Other optional insurance is not required to obtain credit.
Your decision to buy or not buy other optional insurance will
not be a factor in the credit approval process. It will not be
OPTION:  You pay no finance charge if the Amount Financed, item 5, is paid in full on or before
provided unless you sign and agree to pay the extra cost.
N/A , Year N/A . SELLER’S INITIALS N/A I want the insurance checked above.

OPTIONAL GAP CONTRACT. A gap contract (debt cancellation contract) is not required to obtain X N/A N/A
credit and will not be provided unless you sign below and agree to pay the extra charge. If you choose Buyer Signature Date
to buy a gap contract, the charge is shown in Item 4D of the Itemization of Amount Financed. See your
gap contract for details on the terms and conditions it provides. It is a part of this contract.
X N/A N/A
Term N/A Mos. N/A Co-Buyer Signature Date
Name of Gap Contract
THIS INSURANCE DOES NOT INCLUDE INSURANCE
I want to buy a gap contract.
ON YOUR LIABILITY FOR BODILY INJURY OR
Buyer Signs X
N/A PROPERTY DAMAGE CAUSED TO OTHERS.

LAW 553-GA-ARB-ea 7/23 v1 Page 2 of 5

OTHER IMPORTANT AGREEMENTS
1. FINANCE CHARGE AND PAYMENTS e. What happens to returned insurance, maintenance,
a. How we will figure Finance Charge. We will figure the service, or other contract charges. If we obtain a refund of
Finance Charge on a daily basis at the Annual Percentage insurance, maintenance, service, or other contract charges,
Rate on the unpaid part of the Amount Financed. you agree that we may subtract the refund from what you
b. How we will apply payments. We may apply each payment owe.
to the earned and unpaid part of the Finance Charge, to the
unpaid part of the Amount Financed and to other amounts 3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES
you owe under this contract in any order we choose as the a. You may owe late charges. You will pay a late charge on
law allows. each late payment as shown on page 1 of this contract.
c. How late payments or early payments change what you Acceptance of a late payment or late charge does not excuse
must pay. We based the Finance Charge, Total of Payments, your late payment or mean that you may keep making late
and Total Sale Price shown on page 1 of this contract on the payments. If you pay late, we may also take the steps
assumption that you will make every payment on the day it is described below.
due. Your Finance Charge, Total of Payments, and Total Sale b. You may have to pay all you owe at once. If you break your
Price will be more if you pay late and less if you pay early. promises (default), we may demand that you pay all you owe
Changes may take the form of a larger or smaller final on this contract at once. Default means:
payment or, at our option, more or fewer payments of the • You do not pay any payment on time;
same amount as your scheduled payment with a smaller final • You give false, incomplete, or misleading information
payment. We will send you a notice telling you about these during credit application;
changes before the final scheduled payment is due. • You start a proceeding in bankruptcy or one is started

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d. You may prepay. You may prepay all or part of the unpaid against you or your property; or
part of the Amount Financed at any time without penalty. If • You break any agreements in this contract.
you do so, you must pay the earned and unpaid part of the The amount you will owe will be the unpaid part of the

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Finance Charge and all other amounts due up to the date of Amount Financed plus the earned and unpaid part of the
your payment. Finance Charge, any late charges, and any amounts due
because you defaulted.
2. YOUR OTHER PROMISES TO US
a. If the vehicle is damaged, destroyed, or missing. c. You may have to pay collection costs. If we hire an
attorney to collect what you owe, you will pay 15% of the
You agree to pay us all you owe under this contract even if
the vehicle is damaged, destroyed, or missing.
b. Using the vehicle. You agree not to remove the vehicle from
the U.S. or Canada, or to sell, rent, lease, or transfer any
ive amount you owe as attorney’s fees, plus court costs. We will
charge only attorney’s fees and court costs the law permits.
d. We may take the vehicle from you. If you default, we may
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interest in the vehicle or this contract without our written take (repossess) the vehicle from you if we do so peacefully
permission. You agree not to expose the vehicle to misuse, and the law allows it. If your vehicle has an electronic tracking
seizure, confiscation, or involuntary transfer. If we pay any device (such as GPS), you agree that we may use the device
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repair bills, storage bills, taxes, fines, or charges on the to find the vehicle. If we take the vehicle, any accessories,
vehicle, you agree to repay the amount when we ask for it. equipment, and replacement parts will stay with the vehicle.
If any personal items are in the vehicle, we may store them
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c. Security Interest.
You give us a security interest in: for you. If you do not ask for these items back, we may
• The vehicle and all parts or goods put on it; dispose of them as the law allows.
• All money or goods received (proceeds) for the vehicle; e. How you can get the vehicle back if we take it. If we
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• All insurance, maintenance, service, or other contracts repossess the vehicle, you may pay to get it back (redeem).
we finance for you; and We will tell you how much to pay to redeem. Your right to
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• All proceeds from insurance, maintenance, service, or redeem ends when we sell the vehicle.
other contracts we finance for you. This includes any f. We will sell the vehicle if you do not get it back. If you do
refunds of premiums or charges from the contracts. not redeem, we will sell the vehicle. We will send you a
This secures payment of all you owe on this contract. It also
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written notice of sale before selling the vehicle.

secures your other agreements in this contract. You will make We will apply the money from the sale, less allowed
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sure the title shows our security interest (lien) in the vehicle. expenses, to the amount you owe. Allowed expenses are
You will not allow any other security interest to be placed on expenses we pay as a direct result of taking the vehicle,
the title without our written permission. holding it, preparing it for sale, and selling it. Attorney fees
d. Insurance you must have on the vehicle. and court costs the law permits are also allowed expenses.
You agree to have physical damage insurance covering loss If any money is left (surplus), we will pay it to you unless the
of or damage to the vehicle for the term of this contract. The law requires us to pay it to someone else. If money from the
insurance must cover our interest in the vehicle. You agree to sale is not enough to pay the amount you owe, you must pay
name us on your insurance policy as loss payee. If you do not the rest to us. If you do not pay this amount when we ask, we
have this insurance, we may, if we choose, buy physical may charge you interest at a rate not exceeding the highest
damage insurance. If we decide to buy physical damage lawful rate until you pay.
insurance, we may either buy insurance that covers your
g. What we may do about optional insurance, maintenance,
interest and our interest in the vehicle, or buy insurance that
service, or other contracts. This contract may contain
covers only our interest. If we buy either type of insurance,
charges for optional insurance, maintenance, service, or
we will tell you which type and the charge you must pay. The
other contracts. If we demand that you pay all you owe at
charge will be the premium for the insurance and a finance
once or we repossess the vehicle, you agree that we may
charge computed at the Annual Percentage Rate shown on
claim benefits under these contracts and cancel them to
page 1 of this contract or, at our option, the highest rate the
obtain refunds of unearned charges to reduce what you owe
law permits.
or repair the vehicle. If the vehicle is a total loss because it is
If the vehicle is lost or damaged, you agree that we may use
confiscated, damaged, or stolen, we may claim benefits
any insurance settlement to reduce what you owe or repair
under these contracts and cancel them to obtain refunds of
the vehicle.
unearned charges to reduce what you owe.

LAW 553-GA-ARB-ea 7/23 v1 Page 3 of 5

4. WARRANTIES SELLER DISCLAIMS 7. APPLICABLE LAW
Unless the Seller makes a written warranty, or enters into a Federal law and the law of the state of Georgia apply to this
service contract within 90 days from the date of this contract.
contract, the Seller makes no warranties, express or implied,
on the vehicle, and there will be no implied warranties of 8. NEGATIVE CREDIT REPORT NOTICE
merchantability or of fitness for a particular purpose. We may report information about your account to credit
This provision does not affect any warranties covering the vehicle bureaus. Late payments, missed payments, or other defaults
that the vehicle manufacturer may provide. on your account may be reflected in your credit report.

5. Used Car Buyers Guide. The information you see on the Electronic Contracting and Signature Acknowledgment. You
window form for this vehicle is part of this contract. agree that (i) this contract is an electronic contract executed by you
Information on the window form overrides any contrary using your electronic signature, (ii) your electronic signature signifies
provisions in the contract of sale. your intent to enter into this contract and that this contract be legally
Spanish Translation: Guía para compradores de vehículos valid and enforceable in accordance with its terms to the same extent
usados. La información que ve en el formulario de la as if you had executed this contract using your written signature and
ventanilla para este vehículo forma parte del presente (iii) the authoritative copy of this contract ("Authoritative Copy") shall
contrato. La información del formulario de la ventanilla deja be that electronic copy that resides in a document management
sin efecto toda disposición en contrario contenida en el system designated by us for the storage of authoritative copies of
contrato de venta. electronic records, which shall be deemed held by us in the ordinary
course of business. Notwithstanding the foregoing, if the Authoritative

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6. SERVICING AND COLLECTION CONTACTS Copy is converted by printing a paper copy which is marked by us as
In consideration of our extension of credit to you, you agree to the original (the "Paper Contract"), then you acknowledge and agree
provide us your contact information for our servicing and that (1) your signing of this contract with your electronic signature also

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collection purposes. You agree that we may use this information constitutes issuance and delivery of such Paper Contract, (2) your
to contact you in writing, by e-mail, or using prerecorded/artificial electronic signature associated with this contract, when affixed to the
voice messages, text messages, and automatic telephone dialing Paper Contract, constitutes your legally valid and binding signature on
systems, as the law allows. You also agree that we may try to the Paper Contract and (3) subsequent to such conversion, your
contact you in these and other ways at any address or telephone obligations will be evidenced by the Paper Contract alone.
number you provide us, even if the telephone number is a cell
phone number or the contact results in a charge to you. You agree
to allow our agents and service providers to contact you as
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agreed above.
You agree that you will, within a reasonable time, notify us of any
change in your contact information.
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LAW 553-GA-ARB-ea 7/23 v1 Page 4 of 5

 ARBITRATION PROVISION
PLEASE REVIEW - IMPORTANT - AFFECTS YOUR LEGAL RIGHTS
1. EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN YOU AND US DECIDED BY ARBITRATION AND NOT IN COURT OR BY JURY TRIAL.
2. IF A DISPUTE IS ARBITRATED, YOU WILL GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS
CLAIM YOU MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS.
3. DISCOVERY AND RIGHTS TO APPEAL IN ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RIGHTS THAT YOU AND WE
WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION.
Any claim or dispute, whether in contract, tort, statute or otherwise (including the interpretation and scope of this Arbitration Provision, any allegation of waiver of rights
under this Arbitration Provision, and the arbitrability of the claim or dispute), between you and us or our employees, agents, successors or assigns, which arises out of or
relates to your credit application, purchase or condition of this Vehicle, this contract or any resulting transaction or relationship (including any such relationship with third
parties who do not sign this contract) shall, at your or our election, be resolved by neutral, binding arbitration and not by a court action. If federal law provides that a claim
or dispute is not subject to binding arbitration, this Arbitration Provision shall not apply to such claim or dispute. Any claim or dispute is to be arbitrated by a single arbitrator
only on an individual basis and not as a plaintiff in a collective or representative action, or a class representative or member of a class on any class claim. The arbitrator
may not preside over a consolidated, representative, class, collective, injunctive, or private attorney general action. You expressly waive any right you may have to arbitrate
a consolidated, representative, class, collective, injunctive, or private attorney general action. You or we may choose the American Arbitration Association (www.adr.org)
or National Arbitration and Mediation (www.namadr.com) as the arbitration organization to conduct the arbitration. If you and we agree, you or we may choose a different
arbitration organization. You may get a copy of the rules of an arbitration organization by contacting the organization or visiting its website.
Arbitrators shall be attorneys or retired judges and shall be selected pursuant to the applicable rules. The arbitrator shall apply governing substantive law and the applicable
statute of limitations. The arbitration hearing shall be conducted in the federal district in which you reside unless the Seller-Creditor is a party to the claim or dispute, in

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which case the hearing will be held in the federal district where this transaction was originated. We will pay the filing, administration, service, or case management fee and
the arbitrator or hearing fee up to a maximum of $5,000, unless the law or the rules of the chosen arbitration organization require us to pay more. You and we will pay the
filing, administration, service, or case management fee and the arbitrator or hearing fee over $5,000 in accordance with the rules and procedures of the chosen arbitration

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organization. The amount we pay may be reimbursed in whole or in part by decision of the arbitrator if the arbitrator finds that any of your claims is frivolous under applicable
law. Each party shall be responsible for its own attorney, expert and other fees, unless awarded by the arbitrator under applicable law. If the chosen arbitration organization's
rules conflict with this Arbitration Provision, then the provisions of this Arbitration Provision shall control. Any arbitration under this Arbitration Provision shall be governed
by the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) and not by any state law concerning arbitration. Any award by the arbitrator shall be in writing and will be final and
binding on all parties, subject to any limited right to appeal under the Federal Arbitration Act.

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You and we retain the right to seek remedies in small claims court for disputes or claims within that court's jurisdiction, unless such action is transferred, removed or
appealed to a different court. Neither you nor we waive the right to arbitrate any related or unrelated claims by filing any action in small claims court, or by using self-help
remedies, such as repossession, or by filing an action to recover the vehicle, to recover a deficiency balance, or for individual or statutory public injunctive relief. Any court
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having jurisdiction may enter judgment on the arbitrator's award. This Arbitration Provision shall survive any termination, payoff or transfer of this contract. If any part of
this Arbitration Provision, other than waivers of class rights, is deemed or found to be unenforceable for any reason, the remainder shall remain enforceable. You agree
that you expressly waive any right you may have for a claim or dispute to be resolved on a class basis in court or in arbitration. If a court or arbitrator finds that this class
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arbitration waiver is unenforceable for any reason with respect to a claim or dispute in which class allegations have been made, the rest of this Arbitration Provision shall
also be unenforceable.
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The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract
and retain its right to receive a part of the Finance Charge.
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HOW THIS CONTRACT CAN BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to this
contract must be in writing and we must sign it. No oral changes are binding.
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Buyer Signs X Co-Buyer Signs X

If any part of this contract is not valid, all other parts stay valid. We may delay or refrain from enforcing any of our rights under this contract without losing them.
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For example, we may extend the time for making some payments without extending the time for making others.
See the rest of this contract for other important agreements.
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NOTICE TO THE BUYER: Do not sign this contract before you read it or if it contains any blank spaces. You are entitled to an
exact copy of the contract you sign.
You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were free
to take it and review it. You acknowledge that you have read all pages of this contract, including the arbitration provision above,
before signing below. You confirm that you received a completely filled-in copy when you signed it.
Buyer Signs X Date Co-Buyer Signs X Date April 14, 2024
Buyer Printed Name CHARLES HUMECA MANDONDA ERNESTO Co-Buyer Printed Name GIZELA MALUNGO ERNESTO
If the "business" use box is checked in "Primary Use for Which Purchased": Print Name N/A Title N/A
Co-Buyers and Other Owners — A co-buyer is a person who is responsible for paying the entire debt. An other owner is a person whose name is on the title to the vehicle but does not
have to pay the debt. The other owner agrees to the security interest in the vehicle given to us in this contract.
Other owner signs here X N/A Date N/A Address N/A
Seller signs ALM MALL OF GEORGIA Date April 14, 2024 By X Titlemanager
Seller assigns its interest in this contract to SANTANDER CONSUMER USA (Assignee) under the terms of Seller’s agreement(s) with Assignee.
 Assigned with recourse x Assigned without recourse
  Assigned with limited recourse
Seller ALM MALL OF GEORGIA
By X Title manager
FORM NO. 553-GA-ARB-ea (REV. 7/23)
©2023 The Reynolds and Reynolds Company
THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO CONTENT OR
FITNESS FOR PURPOSE OF THIS FORM. CONSULT YOUR OWN LEGAL COUNSEL. LAW 553-GA-ARB-ea 7/23 v1 Page 5 of 5