“services” means the provision of a platform by OMTPL via the liaison website between the borrower and the lenders, in order to facilitate borrowing and lending on or via the site and services that are random, ancillary or related; WISCONSIN RESIDENTS: For married residents of Wisconsin, the borrower`s signature confirms that this loan obligation is created in the interest of the borrower`s marriage or family. Nothing in a contract of matrimonial property (premarital agreement), unilateral declaration under section 766.59 of the Wisconsin Statutes, or judgment of the Court under section 766.70 shall affect the interests of the lender unless the lender receives a copy of the conjugal property agreement, declaration or order before the date of approval of the loan or has actual knowledge of the adverse disposition. If this loan, for which the borrower is applying, is granted, the borrower will inform the lender if the borrower has a spouse who must be informed that the credit has been granted to the borrower. On the second layer, a Bitcoin-OTC style of the trusted network allows peers to judge each other from -10 (Bernie Madoff) to +10 (Satoshi Nakamoto). Cumulative rating on the Web of Trust is another measure of risk that other parties may consider before transacting with you. In addition, the peer network and the corresponding evaluation are also a measure of the quantity and quality of this evaluation. People who create 20 sock dolls can easily be identified as a closed web by indicating their trust diagram, which represents a visual representation of their trusting relationships. Finally, Web of Trust ratings are not based on a trade, which makes it possible to translate existing trust networks in the system. The Web of Trust platform can be extended to make a broader distinction between free ratings and trade-based ratings, in order to report more information to other parties. To decide if investing in P2P credits is the right one for you, please note that credit agreements usually contain information about: Bob checks if Alice has the means and signs the contract digitally. Bob sends the contract to Alice (agreement) and the arbitrator. The following terms, together with your application for credit on the Website, constitute a binding agreement (the “Agreement”) between you and Cross River Bank, a State-insured, State-chartered, New Jersey investment bank. The terms “CRB”, “we”, “us” and “our” refer to Cross River Bank and its successors or assigns.

BY SIGNING THE AGREEMENT ELECTRONICALLY, YOU HAVE SIGNED YOUR CONSENT TO ALL OF THE TERMS CONTAINED IN THIS AGREEMENT. As part of this Agreement, you agree to obtain and repay one or more installment credits from us through the credit platform of the website under www.peerform.com, including all subdomains (the “Website” operated on our behalf by Peerform Inc., a Delaware company (“Peerform”). These terms affect your rights and you should read them carefully and print a copy of your documents. Your consent to these Terms means that you agree to borrow and repay the money if your loan is financed in accordance with the terms of this Agreement, agree to treat us electronically, and agree that all disputes with us will be resolved by binding arbitration. Peer-to-Peer (P2P) Credit has proven to be a means of decentralizing the oligopolistic influence of banks in each category of loans. While P2P credit is still in its infancy, regulatory pressure is mounting, making P2P credit services with the Fiat dollar particularly vulnerable to the old financial/political order. . . .