PROTECTLINE ACCOUNT PROTECTION

TERMS AND CONDITIONS

(“ProtectLine”)
Part I. General

1. The Parties

The words MDG, “we”, “us”, and “our” refer to MDG USA Inc., operating as MDG, or any parties to whom
ProtectLine may be transferred to. The word Credit Account refers to the credit financing account established by
your Revolving Credit Agreement and Disclosure Statement (the “Credit Agreement”) with CCBank, and/or other
party the Credit Account may be sold or assigned to, including any renewal or replacement. The words Account
Holder, Customer or you, refer to any and each person who signed the Credit Agreement, applied for the Credit
Account, whose name is on the Credit Account or who has control of responsibility for the Credit Account .

2. Enrollment in ProtectLine

Your purchase of ProtectLine is optional. Whether or not you purchase ProtectLine will not affect your
application for credit or the terms of any existing Credit Agreement .

To enroll in ProtectLine, ask questions or get information, call 1-800-906-0975 to speak with a Customer Service
representative.

3. Cost of ProtectLine

The monthly fee for ProtectLine is $0.99 per $100 outstanding credit balance, or the bi-weekly fee for ProtectLine is
$0.45 per $100 outstanding credit balance, on your Credit Account as reflected on your statement at the end of
each billing cycle (“ProtectLine Fee”). To determine your ProtectLine Fee we take the previous balance and
subtract any payments and credits, then add purchases, fees charged (excluding ProtectLine fee charged in
current billing cycle) and interest charged as listed in your Credit Account billing statement (this is equal to your
“New Balance” as reflected on your Credit Account billing statement, minus the ProtectLine Fee charged in current
billing cycle). We then divide the total by $100 and multiply that number by $0.99 for a monthly, or $0.45 for
bi-weekly, billing cycle.

For example, if your billing cycle is monthly, your previous balance was $1,000, you made a $300 payment, $0 in
new purchases, and incurred $30 in interest, then your ProtectLine Fee would be:

($1,000 - $300 + $30)/$100 x $0.99 = $7.23

You have the right to cancel ProtectLine at any time, for any reason, by calling us at 1-800-906-0975. If you
cancel within sixty (60) days of your enrollment date, we will refund your ProtectLine Fee. We reserve the right to
adjust any of the terms and conditions, or cancel ProtectLine entirely, with thirty (30) days prior written notification
to you of the change, during which time you have the right to cancel your enrollment in ProtectLine without penalty .
Any change or cancellation will not affect any Event (defined below) activation that exists on or prior to the effective
date of such change or cancellation. If in an Event, the cancellation will take effect when the Event term expires .

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 Part II. ProtectLine Events

The following list of events fall within ProtectLine (each an “Event”).

1. Life Event

A. What is a Life Event?

A Life Event is anytime:

(a) You marry or divorce;

(b) You or your spouse/partner give birth to a child;
(c) You adopt a child
(d) You purchase or move into a new home; or
(e) You enter an accredited college or graduate school for the first time on a full time basis .

B. Limitations on a Life Event

Only one Life Event may be approved per Credit Account per calendar year. To qualify for a Life Event, the Life
Event must occur after the date on which you enroll in ProtectLine.

C. Proof Required for a Life Event

If we request it, we must receive proof that you meet the conditions of a Life Event. This proof may include a copy
of a marriage certificate, divorce decree, birth or adoption certificate, real estate purchase agreement, deed,
signed lease, or college or graduate school confirmation of full-time school registration.

2. Job Loss

A. What is Job Loss?

i. Job Loss (Excluding Self-Employed or Full-Time Students)

Job Loss (Excluding Self-Employed or Full-Time Students), means you must:

(a) (1) Lose all employment income for at least 30 days in a row; or
(2) Have lost a job because of layoff, dismissal or general strike; and
(b) Have worked at least 30 hours per week for the 90 days before the job loss;
(c) Qualify for state or federal unemployment benefits (unless benefits were exhausted by a past period of
unemployment; if the employer was a nonprofit organization not required to withhold; if you did not earn
enough in the period during which state or federal benefits are based; or if the job loss is the result of a
general strike); and
(d) Register for work at a recognized employment agency within 30 consecutive days after the job loss and
remain registered.

ii. Job Loss for Self-Employed Persons

Job Loss for Self-Employed Persons means you must lose all employment income for at least 30 days in a row.

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 iii. Job Loss for Full-Time College or Graduate Students

Job Loss for Full-Time College or Graduate Students means you have lost all employment income because of a
layoff, general strike, or dismissal; and you are a full -time student at an accredited college and you worked at least
15 hours a week for at least the 90 days before the job loss.

A. Limitations on Job Loss

If you are unemployed or retired prior to the date on which you enroll in ProtectLine, you do not qualify
for Job Loss.

B. Proof Required for Job Loss

i. Job Loss (Excluding Self-Employed or Full-Time Students)

If we request it, we must receive proof that you meet the conditions of Job Loss (Excluding Self-Employed or
Full-Time Students). This proof may include a letter from the employer, copy of the employment agency or
registration and qualification for unemployment benefits. Each billing period, provide proof that you remain
unemployed and that you are registered with an employment agency.

ii. Job Loss for Self-Employed Persons

If we request it, we must receive proof that you meet the conditions of Job Loss for Self -Employed Persons. This
proof may include a request for documentation of job loss and income loss. For example, payment of
self-employment taxes and income loss.

iii. Job Loss (Full-Time Student)

If we request it, we must receive proof that you meet the conditions of Job Loss (Full-Time Student). This proof
may include a request for documentation of job loss and attending college full -time. For example, a letter from the
employer and the college.

3. Emergency Room Care

A. What is Emergency Room Care?

You receive medical treatment in a hospital emergency room .

B. Limitations on Emergency Room Care

You cannot qualify for both an Emergency Room Care and Hospitalization Event (below) under ProtectLine for the
same billing period.

To qualify for Emergency Room Care, Emergency Room Care must occur after the date on which you
enroll in ProtectLine.

C. Proof Required for Emergency Care

If we request it, we must receive proof that you meet the conditions of Emergency Room Care. This proof may
include a request for documentation from a doctor or hospital.

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 4. Hospitalization

A. What is Hospitalization?

You are admitted to a licensed hospital for at least one night .

B. Limitations on Hospitalization

You cannot qualify for both a Hospitalization and Emergency Room Care Event under ProtectLine (above) for the
same billing period.

To qualify for Hospitalization, Hospitalization must occur after the date on which you enroll in
ProtectLine.

C. Proof Required for Hospitalization

If we request it, we must receive proof that you meet the conditions of Hospitalization. This may include a request
for documentation from a doctor or hospital that includes the date of hospitalization.

5. Family Leave

A. What is Family Leave?

Your approved absence from full-time employment of at least 30 hours per week for the birth or adoption of a child ,
or the serious health condition of a family member. If you are self -employed, you may be eligible for Family Leave.
In order to be eligible, you must lose all employment income for the birth or adoption of a child, or the serious health
condition of a family member.

B. Limitations on Family Leave

Only one Family Leave may be approved per Credit Account per calendar year .

To qualify for the Family Leave, the Family Leave must occur after the date on which you enroll in
ProtectLine.

C. Proof Required for Family Leave

If we request it, we must receive proof that you meet the conditions of Family Leave. This may include a request
for documentation from the employer approving the Family Leave, reason for the Family Leave and start and end
dates for Family Leave; for example, an employer’s letter.

6. Short-Term Disability

A. What is Short-Term Disability?

You cannot perform your normal duties for at least 30 days in a row because of sickness or injury. You must be
under a doctor’s care for those 30 days and while the disability continues.

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 B. Limitations on Short-Term Disability

If you were disabled at the time of enrolling in Protectline, you do not qualify for Short-Term Disability.
C. Proof Required for the Short-Term Disability Program

If we request it, we must receive proof that you meet the conditions of Short -Term Disability. This may include a
monthly request for documentation from a doctor confirming that the disability continues.
7. Military Reserve or Guard to Active Duty

A. What is Military Reserve or Guard to Active Duty

You are from a United States military reserve or guard unit and you are called to active duty for at least 31
consecutive days.

B. Proof Required for Military Reserve of Guard to Active Duty

If we request it, we must receive proof that you meet the conditions of Military Reserve or Guard to Active Duty .
This may include a request for documentation of the original call to active duty and upon request, proof of
continuing active duty.

8. Death*

A. What is Death

The death of the Credit Account Holder.

B. Proof Required for the Death Program

If we request it, we must receive proof that the conditions of Death have been met. This may include a request for
a certified copy of the Credit Account Holder’s death certificate .

9. National Disaster

A. What is a National Disaster?

In a national disaster, you must be directly impacted by a declared federal disaster within the United States. A
direct impact means that you must:

(a) Live in a federally declared disaster area; and

(b) Incur more than $500 in damages or miss at least 5 consecutive days of work because of the disaster.

B. Proof Required for a National Disaster

If we request it, we must receive proof that the conditions of the National Disaster have been met. This may
include a request for receipts for damages or a letter from an employer.

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 To qualify for a National Disaster, the National Disaster must occur after the date on which you enroll in
ProtectLine.

Part III. General Requirements and ProtectLine Benefits

1. General Requirements

(a) In addition to the limitations, qualifications and proof required for each specific Event set out in Part II, you
will not qualify for ProtectLine benefits for an Event if your Credit Account is seriously delinquent (more than
60 days past due) when we receive your application for an Event.

(b) To qualify for ProtectLine benefits, you must be enrolled in ProtectLine prior to the Event arising.

(c) If your Event is approved for ProtectLine, your ProtectLine benefits will be activated immediately. If your
Event is not approved, you will be notified of such action and the reason why your Event was not approved
for ProtectLine.

2. ProtectLine Benefits

If we approve your Event, MDG will provide the following ProtectLine benefits:

(a) Defer interest and finance charges on your Credit Account for 3 months from the approval date (the
“Deferral Period”). During the Deferral Period, you cannot use your Credit Account other than to make a
payment as described below. While your Credit Account is deferred, interest charges and any applicable
fees will not accrue on your Credit Account.

(b) During the Deferral Period, reduce your required periodic payment to an agreed amount, or a minimum of
$10.00.

(c) If after the Deferral Period ends you still qualify for the Event, upon notification from you, and subject to any
proof requirements, MDG will continue Deferral Period benefits for an additional three months (the
“Extended Deferral Period”).

(d) *If a Credit Account Holder’s Account qualifies for the Death Program, MDG will waive the balance
outstanding on the Credit Account.

DURING THE DEFERRAL PERIOD, THE EXTENDED DEFERRAL PERIOD AND THEREAFTER, YOUR
CREDIT ACCOUNT REMAINS SUBJECT TO THE TERMS AND CONDITIONS OF THE CREDIT
AGREEMENT.

Part IV. ProtectLine Restrictions

(a) A Credit Account Holder can only qualify for ProtectLine and receive the ProtectLine benefits on two
separate occasions per year, per Credit Account.

(b) We must be notified of the Event within 2 years (731 days) of the Event arising in order to qualify for

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 (c) During the time it takes MDG to process your application for the Event under ProtectLine, you must make
your payment(s) as required under your Credit Agreement.

(d) ProtectLine benefits will end as of the date one of the following occurs: ( i) you receive the maximum
ProtectLine for the Event; (ii) the documentation you provide in support of your Event for the ProtectLine
benefit indicates an end date earlier than the maximum benefit allowed; or (iii) you request the closure of
your ProtectLine benefit period early.

(e) ProtectLine for your Event will automatically end, without further notice to you, if you intentionally
misrepresent any information to us.

Part V. Applying for ProtectLine

To apply for ProtectLine, ask questions or get information, call 1-800-906-0975 to speak with a Customer Service
representative.

Hours of operation:

Monday - Friday 9:00 a.m. - 9:00 p.m., EST,

Saturday 9:00 a.m. - 7:00 p.m., EST.
Sunday - CLOSED

Or writes us at:

finance@mdg.com <mailto:finance@mdg.com>

Or

MDG USA Inc.

3422 Capitol Trail, PMB# 1993
Wilmington, DE 19808

Part V. Miscellaneous
(a) Changes to Terms and Conditions: These ProtectLine Terms and Conditions, including any applicable
fees, may change at any time upon written notice. The current version of the ProtectLine Terms and
Conditions will be posted at <https://secure.mdg.com/Content/Terms/MDGProtectLine.pdf>.

(b) Arbitration of Disputes: RESOLUTION OF DISPUTES: I HAVE READ THIS PROVISION CAREFULLY
AND UNDERSTAND THAT IT LIMITS MY RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND
ME. I UNDERSTAND THAT I HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN
PARAGRAPH (ii) BELOW. If you are a “Covered Borrower” as defined by the Military Lending Act (32 CFR
§232, as amended from time to time) at the time of entering into these ProtectLine Account Protection
Terms and Conditions, this Part V., section (b) Arbitration of Disputes (the “Arbitration Provision”) is not
applicable, you do not need to opt out of or take any action to ensure inapplicability.

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 (i) Either party to ProtectLine, or any subsequent holder, may, at its sole election, require that the sole and
exclusive forum and remedy for resolution of a Claim be final and binding arbitration pursuant to this
Part V., section (b) Arbitration of Disputes (the “Arbitration Provision”), unless you opt out as provided
in subsection (b) (ii) below. As used in this Arbitraiton Provision, “Claim” shall include any past ,
present or future claim, dispute or controversy involving you (or persons claiming through or
connected with us and/or the subsequent holders), on the other hand, relating to or arising out of
ProtectLine, any Credit Agreement and Disclosure Statement, the site, and/or the activities or
relationships that involve, lead to, or result from any of the foregoing, including (except to the extent
provided otherwise in the last sentence of subsection (b) (vi) below) the validity or enforceability of
this Arbitration Provision, any part thereof, or the entire ProtectLine Account Protection Terms and
Conditions. Claims are subject to arbitration regardless of whether they arise from contract; tort
(intentional or otherwise); a constitution, statute, common law, or principles of equity; or otherwise.
Claims include matters arising as initial claims, counter-claims, cross-claims, third-party claims, or
otherwise. The scope of this Arbitraiton Provision is to be given the broadest possible interpretation
that is enforceable.

(ii) You may opt out of this Arbitration Provision for all purposes by sending an arbitration opt out notice to us
at MDG USA Inc., 3422 Old Capitol Trail, PMB# 1993, Wilmington, DE 19808, Attention: Legal
Department, which is received at the specified address within 30 days of the date of your
electronic acceptance of the terms of the ProtectLine Account Protection Terms and
Conditions. The opt out notice must clearly state that you are rejecting arbitration; identify the
ProtectLine Account Protection Terms and Conditions to which it applies by date; provide your name ,
address, and social security number; and be signed by you. You may send an opt out notice in any
manner you see fit as long as it is received at the specified address within the specified time. No
other methods can be used to opt out of this Arbitration Provision. If the opt out notice is sent on your
behalf by a third pary, such third party must include evidence of his or her authority to submit the opt
out notice on your behalf.

(iii) The party initiating arbitration shall do so with the American Arbitration Association (the “AAA”) or Judicial
Alternatives and Mediation Services (“JAMS”). The arbitration shall be conducted according to, and
the location of the arbitration shall be determined in accordance with, the rules and policies of the
administrator selected, except to the extent the rules conflict with this Arbitraiton Provision or any
countervailing law. If you have any questions concerning the AAA or would like to obtain a copy of the
AAA arbitration rules, you may call 1(800) 778-7879 or visit the AAA’s web site at: www.adr.org. If you
have any questions concerning JAMS or would like to obtain a copy of the JAMS arbitration rules, you
may call 1(800) 352-5267 or visit their web site at: www.jamsadr.com. In the case of a conflict
between the rules and policies of the administrator and this Arbitration Provision, this Arbitration
Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to
have the rules and policies of the administrator apply.

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 (iv) If we (or the subsequent holder) elect arbitration, we (or the subsequent holder, as the case may be)
shall pay all the administrator’s filing costs and administrative fees (other than hearing fees). If you
elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in
accordance with the rules of the administrator selected, or in accordance with countervailing law if
contrary to the administrator’s rules. We (or the subsequent holder, as the case may be) shall pay
the administrator’s hearing fees for one full day of arbitration hearings. Fees for hearings that exceed
one day will be paid by the party requesting the hearing, unless the administrator’s rules or applicable
law require otherwise, or you request that we (or the subsequent holder) pay them and we agree (or
the subsequent holder agrees) to do so. Each party shall bear the expense of its own attorney’s
fees, except as otherwise provided by law. If a statute gives you the right to recover any of these
fees, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary
herein.

(v) Within 30 days of a final award by the arbitrator, any party may appeal the award for reconsideration by a
three-arbitrator panel selected according to the rules of the arbitrator administrator. In the event of
such an appeal, any opposing party may cross-appeal within 30 days after notice of the appeal. The
panel will reconsider de novo all aspects of the initial award that are appealed. Costs and conduct of
any appeal shall be governed by this Arbitration Provision and the administrator’s rules, in the same
way as the initial arbitration proceeding. Any award by the individual arbitrator that is not subject to
appeal, and any panel award on appeal, shall be final and binding, except for any appeal right under
the Federal Arbitration Act (“FAA”), and may be entered as a judgment in any court of competent
jurisdiction.

(vi) We agree not to invoke our right to arbitrate an individual Claim you may bring in Small Claims Court or
an equivalent court, if any, so long as the Claim is pending only in that court. NO ARBITRATION
SHALL PROCEED ON A CLASS, REPRESENTATITIVE, OR COLLECTIVE BASIS (INCLUDING AS
PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS
THAT ARE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD
HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE
ACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the
arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals
or unrelated corporate entities in the same arbitration unless those persons are parties to a single
transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration
shall determine the rights and obligations of the named parties only, and only with respect to the
claims in arbitration, and shall not (a) determined the rights, obligations, or interests of anyone other
than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an
award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator
shall have the power or authority to waive, modify, or fail to enforce this Part V., section (b) Arbitration
of Disputes, and any attempt to do so, whether by rule, policy, arbitration decision or otherwise,

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 shall be invalid and unenforceable. Any challenge to the validity of this Part V ., section (b) Arbitration
of Disputes shall be determined exclusively by a court an not by the administrator or any arbitrator.

(vii) This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall
be governed by and enforceable under the FAA. The arbitrator will apply substantive law consistent
with the FAA and applicable statutes of limitations. The arbitrator may award damages or other types
of relief permitted by applicable substantive law, subject to the limitations set forth in this Arbitration
Provision. The arbitrator will not be bound by judicial rules of procedure and evidence that would
apply in a court. The arbitrator shall take steps to reasonably protect confidential information.

(viii) This Arbitration Provision shall survive (i) suspension, termination, revocation, closure, or
amendments to ProtectLine Account Protection Terms and Conditions; (ii) the bankruptcy or
insolvency of any party or other person; and (iii) any transfer of any loan of Credit Agreement and
Disclosure Statement or any other promissory note(s) which you owe, or any amounts owed on such
loans or notes, to any other person or entity. If any portion of this Arbitration Provision other than
subsection (b) (vi) is deemed invalid or unenforceable, the remaining portions of this Arbitration
Provision shall nevertheless remain valid and in force. If an arbitration is brought on a class ,
representative, or collective basis, and the limiations on such proceedings in subsection (b) (vi) are
finally adjudicated pursuant to the last sentence of subsection (b) (vi) to be unenforceable, then no
arbitration shall be had. In no event shall any invalidation be deemed to authorize an arbitrator to
determine Claims or make awards beyond those authorized in this Arbitration Provision .

THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A
COURT BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS
ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. THE PARTIES HEREBY
KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT
BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRAITON BY ANY PARTY.

PRINT NAME OF THE BORROWER: KASI CHAPMAN

DATE: November 17, 2020

Signed

E-Signed by KASI CHAPMAN on November 17, 2020

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