WE EACH AGREE THAT YOU AND WE MAY BRING DISPUTES AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN A
CLASS, COLLECTIVE, CONSOLIDATED, OR
REPRESENTATIVE ACTION. The arbitrator cannot combine more than one person’s claim into a single case, and cannot
preside over any class, collective, consolidated, or representative arbitration proceeding (unless we both agree to change this in writing). We also both agree that you or we may bring suit in court to: 1) enjoin infringement or other misuse of intellectual
property rights; 2) file bankruptcy; 3) enforce a security interest in the Vehicle by repossession; 4) take legal action in court
to enforce the arbitrator’s decision; or 5) request that a court review whether the arbitrator exceeded the authority granted by
this Arbitration Agreement.