ACCOUNT AGREES TO PAY THE FOLLOWING:

A. It cost you absolutely nothing to become an OBM Account. In fact, if you never make a transaction it will never cost you anything.

B. At the time of the first transaction: Monthly Dues will begin of only $20.00 OBM per month.

C. BROKER FEE, Buyer pays 10% cash (U.S. Currency) Broker Fee to OBM of the gross purchases made from other OBM Accounts. Travel and most purchases made though Reciprocals is 15%. In the event the seller negotiates part of the sale to be paid in cash, (in accordance with the Rules and Regulations) the seller will pay the 10% Broker Fee on the cash portion.

D. DEFICIT BALANCE: Account pays an additional fee of one and one-half percent (1½ %) percent in OBM per month on the deficit balance (amount which purchases exceed sales at month end cut off). Account agrees to sell at one hundred percent (100%) OBM for amount of deficit, plus interest, may not refuse sales, and must sell their products or services at their prevailing cash prices. Failure to do so will result in immediate termination of Account in accordance with the Rules and Regulations, and the outstanding deficit balance immediately due in cash (U.S. Currency) to OBM. Negative balances become due and payable in cash whenever cash fees become more than ninety (90) days past due.

E. CASH INTEREST: A charge of one and one-half percent (1½ %) cash (US Currency) interest per month will be charged on cash fees not received by OBM by next month's closing after month due.

F. METHOD OF PAYMENT: Auto Pay: Account agrees to the following, to keep a completed, signed, Auto Pay form with current information on file with OBM. OBM may debit Account’s Auto Pay for any cash owed by Account at OBM’s discretion. OBM will not approve any purchase without a current Auto Pay Form on file. If Auto Pay is declined OBM may debit Account’s cash account for $25.00 Home