The Federal Equal Credit Opportunity Act prohibits creditors from discriminating

against credit applicants on the basis of sex or marital status. The agency that

administers compliance with the law is the Federal Trade Commission, Equal Credit

Opportunity, Washington, D.C. 20580.

Membership Privileges, Notices, Disclosures & Agreements

As used in this Agreement, "You" means the Primary Member identified above,

and any Secondary Member who has attained 18 years of age.

This is an indicated number of month contract.

DURATION OF MEMBERSHIP: Provided that You are not in default of this

agreement and subject to the terms and conditions hereof, this agreement shall

be in effect for the indicated number of months. Notice may be Mailed to: ABC

Financial Services, LLC, PO Box 6800, Sherwood, AR 72124. You may send

an e-mail cancellation request to: customercare@abcfinancial.com. You may

hand deliver the notice to your Xperience Fitness location.

CANCELLATION POLICY FOR MILITARY MEMBERS: In accordance with

applicable law, if You are a member of the military and are issued orders into active

duty, for deployment, or for a permanent change of duty station, You may cancel

your membership without penalty by sending by certified mail written notice to ABC

Financial Services, LLC, PO Box 6800, Sherwood, AR 72124 of such cancellation

and a copy of your orders. You may also cancel by personally delivering your

cancellation notice with a copy of your orders. Upon receipt of such notice, Xperience

will issue a refund to You of money, if any, You have paid in advance for services

not yet used.

ANNUAL MAINTENANCE FEE: You understand that beginning on the indicated

date, and on the same date of each year thereafter, in addition to your Monthly

Dues, You will owe the indicated amount per member.

CHANGE IN MEMBERSHIP TYPE: You may change Membership Type in the first

90 days for a $79 administration fee. After 90 days, the administration fee will be

$20.

PRE-PAID memberships are non refundable.

DEFAULT. Should you default on any payment obligation as called for in this

agreement, the club will have the right to declare the entire remaining balance due

and payable and you agree to pay allowable interest, and all costs of collection,

including but not limited to collection agency fees, court costs, and attorney fees.

You shall be in default under the terms of this transaction for the failure to pay any

Monthly Dues within 10 days of the due date or upon breach of any other provision

in this Agreement. Access to gym membership may be terminated immediately

upon default, and in all cases, no gym access will be permitted after 90 days

of nonpayment. You will be required to cure any default in full to reinstate your

membership.