Please Read Carefully.

Sportsmen of North America is a membership benefit and credit program that provides interest free financing for outdoor excursions that are listed in our membership materials either in print or on our web sites.

Member services that shall be provided to you during the course of your membership may include but not limited to interest free financing of up to 75% on outdoor excursions and other products listed in our member materials, including but not limited to: convenient online shopping; newsletters and other offerings that provide additional savings; toll free member services line and unlimited access to the Sportsmen of North America Internet site.

DESCRIPTION OF MEMBERSHIP: Financing Package is provided by Sportsmen of North America. Membership is available only to US and Canadian residents who: agree to the terms and conditions of our membership offering; qualify with a combined household income of over $1,800 a month; has a valid US checking account or credit card; is over 18 years of age; has proof of income for a minimum of 6 consecutive months; allow the electronic debiting of Member's checking account or credit card via check-draft, ACH or credit card payments and has paid the necessary fees for enrollment. Membership shall remain valid if: the annual membership fees are paid; the use of any credit extended member has been paid in a timely fashion; and the personal and financial information provided by the member remains accurate. Member agrees that providing any incorrect or misleading information will result in Sportsmen of North America denying extension of credit.

MEMBERSHIP TERMS AND FEES: Your financing package is effective for a period of twelve months following your enrollment date under the annual membership plan. The annual membership fees of $8.34 a month, paid annually, can be paid in two or three payments as indicated on the join form. All members agree to have their checking account or credit card of record automatically drafted annually for membership fees required upon acceptance of these terms, as listed on the order form, and prior to financing approval on any product or service.

CANCELLATION POLICY: You may cancel within 30 days of beginning your membership to stop all future billing and receive a full refund on any monies collected. If you cancel after 30 days, any refund will be prorated thru month ten (10); no prorated refunds will be issued within 60 days of the Membership anniversary. Refunds will be issued based on the unused portion of your annual fee. Any cancellation must be made with a live representative or in writing.

Emails sent to Sportsmen of North America are not answered by a live representative and will not be accepted as a valid form of canceling your membership. ANY MEMBER who has utilized Sportsmen of North America financing to purchase any product may not cancel their membership during that period in which payments are required to be paid. Customer Service is available Monday - Friday 8am - 5pm (CST) or you may write us at Membership Services, 3522 Gus Thomasson, Suite 112-850 Mesquite, Texas 75150.

RENEWAL will be on an annual basis. Each year your annual dues will be automatically debited from your checking account or credit card on file with us, unless you notify us otherwise. A written notification and reminder will be mailed to you thirty (30) days prior to your renewal date. Upon renewal, you will be issued a new membership materials and continue to have access via the internet. This is known as a Continuity Plan. We reserve the right to increase or decrease the Renewal Fee for each new Membership Term.

ADVERTISEMENTS & PRODUCT DESCRIPTIONS: Sportsmen of North America is not responsible for typographical errors or omissions. We reserve the right to change prices and products without notice or obligation.

FINANCE TERMS: The amount of credit extended to each member shall not exceed $5,000 at any given time. Said credit issued is based on the pre-configured packages member purchases, then calculating the remaining balance after deducting the down payment. The credit limit does not function and is not intended to be used like a typical credit card. The credit limit and membership terms allow a member to make payments on their purchase, potentially creating good payment history with Sportsmen of North America. Financing may only be used on one outdoor excursion at a time. After an outdoor excursion has been paid in full, then member can be extended credit again for additional outdoor excursions.

Financing is issued on select outdoor excursions that meet Sportsmen of North America criteria. Members who agree to have their checking accounts or credit cards electronically debited for repayment of the credit extended on a monthly basis as listed in our membership materials. Payment terms range from 3 months to 18 months depending on the selected outdoor excursion or service; a separate promise-to-pay agreement between Sportsmen of North America and the member will be sent for signature for each item financed by the member.

USAGE of member financing exists solely for the member listed on the membership card and agreement. Member agrees that you will use Sportsmen of North America�s financing only for your own behalf. Sportsmen of North America reserve the right to ask for additional deposits if your membership payment history reflects negative activity (missed or late payments). Any fee's or product payment returned NSF or un-paid for any reason may disqualify you from any future financing.

Security Interest: Sportsmen of North America, to the extent legally permissible, retain a security interest in all merchandise charged on your account until the balance is paid in full.

Returned and NSF ACH Payments: In the event that any non-sufficient funds activity (NSF items), Member agrees that Sportsmen of North America will attempt to collect the full amount again by presenting the ACH authorization a second time to your banking institution of record.

DEFAULT ON ACCOUNT: Member agrees that they will be in default if: (a) they fail to pay the �monthly payment" when due; or (b) if Member breaches any of the Terms and Conditions of the Purchase Agreement. If Member is in default, then in compliance with applicable law, Sportsmen of North America has the right to: (a) demand member to pay the entire unpaid balance on the account immediately; (b) apply monies received on subsequent purchases to any delinquent account balance owed including late fees if applicable; and/or (c) proceed with legal action.

DELINQUENT ACCOUNT: Member's account is considered delinquent if the Monthly Payment is not received by Sportsmen of North America when due. A $10.00 late fee may be charged against my account each month Member's account is overdue.

IDENTITY PROTECTION: All members financing any product or service may be required to provide to our finance department the following documentation for Identity, Residence and Employment verification purposes only:

� Photocopy of valid state issued drivers license or identification card.
� Photocopy of your federally issued social security card.
� Photocopy of a current utility bill in your name and showing your current address.
� Photocopy of a current pay stub in your name and showing minimum of 6 months of employment.
� Photocopy of a current bank statement in your name and reflecting a positive balance.

Our underwriting department reserves the right to require the submittal of any additional forms of identification and or residential and employment documentation not stated here that it deems necessary to satisfy the above stated requirements for loan approval. If the documentation sent by you fails to satisfy these requirements to our satisfaction we reserve the right to refuse financing to anyone at anytime. The above requirements are meant to protect you the member and Sportsmen of North America against identity theft and fraud.

Renewal occurs annually. Each year your annual dues will be automatically debited from your checking account of record on file with us, unless you notify us five (5) business days prior to your renewal date. A written notification and reminder will be mailed to you thirty (30) days prior to your renewal date (to the address on file; it is the responsibility of the member to provide a new address to us when appropriate). Upon renewal, new membership materials will be re-issued. This is the Continuity Plan. We reserve the right to increase or decrease the Renewal Fee for each new Membership Term. Your membership is effective for a period of twelve months following enrollment date under the annual membership plan.

STATE NOTICES: NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or garnished (paid to us by your employer), as provided by Florida and Federal law.

NOTICE FOR OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

NOTICE FOR MARRIED WISCONSIN RESIDENTS: No Agreement, unilateral statement or court decree relating to marital property adversely affects a creditor's interest, unless prior to the time credit is granted the creditor is furnished a copy of the Agreement, statement or decree, or has actual knowledge of the adverse position.