Need the email address of Landmark Express

Hello Ms.*******,

We consider your Landmark Express account resolved at this point. Please review the "Loan Note And Disclosure" dated 5/24/2006. Thanks.

ANNUAL PERCENTAGE RATE FINANCE CHARGE Amount Financed Total of Payments
The cost of your credit as an annual percentage rate. The dollar amount the credit will cost you. The amount of credit provided to you or on your behalf. The amount you will have paid after you have made all payments as scheduled.
396.74% $112.50 $450.00 $562.50
The Annual Percentage Rate is computed as of the date the loan proceeds are paid to you or, if you are refinancing a prior loan, as of the date it is anticipated the loan proceeds will be paid on your account.
ITEMIZATION OF AMOUNT FINANCED: of $450.00; Given to you directly: of $450.00; Paid on your account: $0
PROMISE TO PAY: You promise to pay to us the Total of Payments in 1 payment on the due date indicated and other charges, if any, as provided in this Note. If the name of your Depository and Checking Account number are inserted in this Note you authorize us to initiate one or more ACH debit entries to your Checking Account for the payment of the loan on or after the due date. You also authorize us to prepare and submit on your behalf checks drawn against the Checking Account for payment of the loan. While you may revoke the authorization to effect ACH debit entries at any time up to 3 business days prior to the due date, you may not revoke the authorization to prepare and submit checks on your behalf until such time as the loan is paid in full.
PREPAYMENT: The Finance Charge consists solely of a Loan Fee that is earned in full at the time the loan is funded. You may pay all or part of what you owe prior to the due date, without penalty. However, you will still be obligated to pay the entire finance charge set forth above.
NOTICE: YOU MUST CALL US AT BETWEEN 9:00 A.M. AND 5:00 P.M. EST AT LEAST 3 BUSINESS DAYS PRIOR TO THE DUE DATE TO FACILITATE THE PAYMENT OF YOUR LOAN.
RETURN ITEM FEE: You agree to pay $25 if an item in payment of what you owe is returned unpaid or an ACH debit entry, the authorization for which was not properly revoked by you, is rejected by the Bank for any reason.
GOVERNING LAW; AGREEMENT TO ARBITRATE ALL DISPUTES: You have acknowledged that the key elements of this contract, also you and we agree that any controversies that may arise hereunder shall be governed exclusively by the laws of the State of Utah. You and we further agree that any and all claims, disputes or controversies between you and us and/or the Company, any claim by either of us against the other or the Company (or the employees, officers, directors, agents or assigns of the other or the Company) and any claim arising from or relating to your application for this loan or any other loan you previously now or may later obtain from us, this Loan Note, this agreement to arbitrate all disputes, your agreement not to bring, join or participate in class actions, regarding collection of the loan, alleging fraud or misrepresentation, whether under the common law or pursuant to federal, state or local statute, regulation or ordinance, including disputes as to the matters subject to the arbitration, or otherwise, shall be resolved by binding individual (and not joint) arbitration by and under the Code of Procedure of the National Arbitration Forum ("NAF") in effect at the time the claim is filed.

This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, by telephone at 800-474-2371, or at "National Arbitration Forum, P.O. Box 50191, Minneapolis, Minnesota 55405." Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. The cost of any participatory, documentary or telephone hearing, if one is held at your or our request, will be paid for solely by us as provided in the NAF Rules and, if a participatory hearing is requested, it will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction.


NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION OF ANY AMOUNTS IN EXCESS OF $1,500.
AGREEMENT NOT TO BRING, JOIN OR PARTICIPATE IN CLASS ACTIONS: To the extent permitted by law, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us, our employees,officers, directors, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above.
SURVIVAL: The provisions of this Note dealing with the Agreement To Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate In Class Actions shall survive repayment in full and/or default of this Note.
BANKRUPTCY: You represent that you have not recently filed nor do you currently intend to file for bankrupcy.
COLLECTIONS: You authorize us to collect upon any amounts owing via a 3rd party collection agency, or any other legal means necessary to collect upon a debt owed to us by you. You further authorize to collect any and all amounts owed via ACH, check, draft, or any other legal means at our disposal and agree to pay all legal and court costs associated with this debt. You also agree to allow us to report to any credit agency of our choice in the event you default on your payment to us for any reason.



BY SIGNING BELOW, YOU AGREE TO ALL THE TERMS OF THIS NOTE, INCLUDING THE AGREEMENT TO ARBITRATE ALL DISPUTES AND THE AGREEMENT NOT TO BRING, JOIN OR PARTICIPATE IN CLASS ACTIONS. YOU ALSO ACKNOWLEDGE RECEIPT OF A FULLY COMPLETED COPY OF THIS NOTE. Subject To Approval