Terms and Conditions for Expanding Wallet Trusted™ Member Participation

CAREFULLY READ THE FOLLOWING TERMS AND CONDITIONS. THEY CONTAIN VERY IMPORTANT INFORMATION ABOUT YOUR RIGHTS AND OBLIGATIONS, AS WELL AS LIMITATIONS AND EXCLUSIONS THAT MAY APPLY TO YOU. THIS DOCUMENT CONTAINS A DISPUTE RESOLUTION CLAUSE.

Expanding Wallet is an assumed name of AC Concepts, LLC. Expanding Wallet Trusted™  is a program of AC Concepts, LLC.

Benefits

As an Expanding Wallet Trusted™  Member, you may state that you are a “Member of the Expanding Wallet Trusted™  Program.” You can display the “Expanding Wallet Trusted™” logo on your website, social media outlets, and in email communications to your email list.  The logo will be provided to you in approved form. You may not alter or modify the logo.

Referrals to you– Expanding Wallet will make diligent efforts to provide referrals to you that fit the
criteria you have provided to Expanding Wallet.

Fees

To become a Member in the Expanding Wallet Trusted™   Program, you must pay the annual fee or the
ongoing monthly fee, as set forth on the sales page link that will be provided to you.

Cancellation

By You. You may cancel your Membership in the Expanding Wallet Trusted™  Program at any time.
Your annual fee will not be refunded nor will past monthly payment amounts (except as specially
stated below). Your monthly Membership fees will cease beginning with the next month following the
month in which you cancel. To cancel, send your request to cancel to info@expandingwallet.com.

By AC Concepts. AC Concepts may terminate your Membership at any time for any reason at its sole
discretion, including for non-payment of fees, or if we receive multiple complaints from customers we
referred to you about your products or services. 

If AC Concepts chooses to end your Membership, we will refund to you a pro rata amount of your current
annual membership fee, if that fee has been paid. There shall be no refunds of monthly Membership fees.

Post Cancellation or Termination Obligations

Upon cancellation, you will have thirty (30) days to remove the Expanding Wallet Trusted™  text or logo
from your social media platforms, website, and elsewhere. Additionally, Expanding Wallet Trusted™ text
or logo  must not be used in your emails or other communications after such cancellation.

Dispute Resolution – Arbitration

Any claim, dispute or controversy (whether in contract, tort or otherwise, whether pre-existing, present or
future, and including statutory, common law, intentional tort and equitable claims capable in law of being
submitted to binding arbitration) against AC Concepts, LLC, its agents, employees, officers, directors,
successors, assigns or affiliates arising from or relating to these Terms and Conditions, its interpretation or
the breach, termination or validity thereof, the relationships between the parties, whether pre-existing,
present or future (including, to the full extent permitted by applicable law, relationships with third parties who are not signatories to these Terms and Conditions shall be resolved exclusively and finally by binding arbitration administered by the National Arbitration Forum (“NAF”) under its code of procedure and any specific procedures for the resolution of small claims and/or consumer disputes then in effect (available via the internet at www.arb-forum.com, or via telephone at 1-800-474-2371). 

The arbitration will be limited solely to the dispute or controversy between you and AC Concepts. Any award of the arbitrator(s) shall be final and binding on each of us, and may be entered as a judgment in any court of competent jurisdiction. Information may be obtained, and claims may be filed with the NAF in the state of Minnesota or otherwise agreed between you and AC Concepts, LLC or at P.O. Box 50191, Minneapolis, MN 55405, or by email at file@arb-forum.com, or by online filing at www.arb-forum.com.

Injunctive Relief

You acknowledge and agree that it would be difficult to fully compensate AC Concepts for damages
resulting from the breach or threatened breach of these Terms and Conditions and, accordingly, AC
Concepts will be entitled to seek injunctive relief, including temporary restraining orders, preliminary
injunctions and permanent injunctions, to enforce such provisions. This provision with respect to
injunctive relief will not, however, diminish AC Concepts right to claim and recover damages.

Notices

All notices to Expanding Wallet or AC Concepts shall be sent to this email address: info@expandingwallet.com

Grant of Limited License

AC Concepts hereby grants Member a limited, non-exclusive license to use the trade name and
trademark(s) of AC Concept’s Expanding Wallet Trusted™ Program during the term of Membership in
accordance with any policy on the use of such trade name and trademark(s) provided by AC Concepts and
updated from time to time. Such trade name and trademark(s) shall remain the exclusive property of AC
Concepts at all times and Member shall obtain no right or title to them, except as expressly set forth in
these Terms and Conditions.

General Provisions

Governing Law and Venue. These Terms and Conditions shall be construed and enforced in accordance
with and governed by the laws of the State of Minnesota, the United States, and International Treaty,
without regard to conflict of law principles.

Assignment. AC Concepts may assign these Terms and Conditions without your consent or without
notice to you. You may not assign these Terms and Conditions without the prior written consent of AC
Concepts, which it may withhold in its sole discretion. Any non-approved attempted assignment shall be
null and void. These Terms and Conditions shall be binding upon, and inure to benefit of, the successors
and permitted assigns of the parties hereto.

Non-Exclusive. Nothing in these Terms and Conditions is intended to restrict AC Concepts from
entering into similar agreements with third parties.

Waiver.  Failure of either party to object to any act or omission of the other party, no matter how long the
same may continue, shall not be deemed to be a waiver by such party of any of its rights hereunder.  No
waiver by any party at any time of any other provision of these Terms and Conditions shall be deemed a
waiver or breach of any other provision of these Terms and Conditions or consent to any subsequent
breach of the same of any other provision hereunder.  Waiver of any rights or remedies must be in a
signed writing by the waiving party.

Modifications. These Terms and Conditions may not be modified, changed, or supplemented, nor may
any obligations hereunder be waived or extensions of time for performance granted by AC Concepts, at
any time. You may not make any modifications.

Severability. If any provision of these Terms and Conditions is held to be illegal, invalid or
unenforceable under present or future laws effective during the term hereof, such provision shall be fully
severable. These Terms and Conditions shall be construed and enforced as if such illegal, invalid or
unenforceable provision had never comprised a part hereof; and the remaining provisions of these Terms
and Conditions shall remain in full force and effect and shall not be affected by the illegal, invalid or
unenforceable provision or by its severance. Furthermore, in lieu of each such illegal, invalid or
unenforceable provision, there shall be added automatically as a part of these Terms and Conditions a
provision as similar in terms to such illegal, invalid or unenforceable provision as may be possible and be
legal, valid and enforceable.

Interpretation. These Terms and Conditions shall be fairly interpreted in accordance with its terms and
without any strict construction in favor of or against either party. Any ambiguity shall not be interpreted
against the drafting party.

Survival. Any provisions of these Terms and Conditions which require performance or grant a benefit
after termination of the Agreement shall be deemed to survive the termination of Membership.

Entire Agreement. These Terms and Conditions and any express authorizations (which are incorporated
herein by reference and made a part hereof) set forth the entire agreement and understanding of the parties
in respect of the transactions contemplated hereby and supersede all prior agreements, arrangements and
understandings, whether written or oral, relating to the subject matter hereof.