NOTES

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

DEFAULT AND LATE PAYMENTS: 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. A default occurs when any payment due under this agreement is more than ten days late. A SERVICE FEE OF $23.50 WILL BE CHARGED IMMEDIATELY FOR ANY CHECK, DRAFT, CREDIT CARD, OR ORDER RETURNED FOR INSUFFICINET FUNTS OR ANY OTHER REASON. SHOULD ANY MONTHLY PAYMENT BECOME MORE THAN TEN DAYS PAST DUE, YOU WILL BE CHARGE A LATE FEE OF $9.50. The amounts of service fees and late fees are subject to change from time to time without notice. If the Member is paying monthly dues by electronic funds transfer (EFT) or by credit or debit card, the club and its third-party billing service provider(s) (collectively, the “Company”), reserves the right to draft via EFT, credit card, or debit card (as applicable) all amounts owed by the member including any and all late fees and service fees. Subject to appropriate State and Federal Law.

RENEWAL PROGRAM OPTIONS

TERM AGREEMENT AUTOMATIC RENEWAL PROGRAM: Provided the Member is not in default of this agreement and subject to the terms and conditionsl hereof, the membership will automatically renew to a month to month at the rate indicated, on the indicicated date. Cancellation of Renewal and\or any additional Payment Schedules set forth by this agreement, will require a 30-day written notice delivered to the club’s email address, memberservices@newportamenity.com. The member will be required to make payments that are due within the 30 day notice to cancel. This agreement has an indicated number of months billing obligation that must be fulfilled prior to cancellation in order to avoid any early cancellation fees.

PAID IN FULL or NON-RENEWAL: This is a non-transferrable membership that will expire on the term obligation date.

Notwithstanding any other provisions of this Agreement, you understand and agree that the amount of your monthly membership dues is based on current sales tax rates and to the extent such rates should increase during your membership dues by the maoutn of such increase. If you have requested the privilege of paying your monthly dues by pre-authorized electronic funds transfer, the monthly amount so transferred will be adjusted to reflect any increase in the sales tax rate.

NOTICE: ANY HOLDER OF THIS AGREEMENT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSER AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF, REOCVERY HEREUNDER BY THE DEBOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBOR HEREUNDER.