NOTES OF THE AGREEMENT

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of sex or marital status. The agency that administers compliance with the law is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.

Membership Privileges, Notices, Disclosures & Agreements:

DEFAULT AND LATE PAYMENTS: Should you default on any payment obligation as called for in this agreement, the club will have the right to declare the entire remaining balance due and payable and you agree to pay allowable interest, and all costs of collection, including but not limited to collection agency fees, court costs, and attorney fees. A default occurs when any payment due under this agreement is more than ten days late. A SERVICE FEE OF $23.50 WILL BE CHARGED IMMEDIATELY FOR ANY CHECK, DRAFT, CREDIT CARD, OR ORDER RETURNED FOR INSUFFICIENT FUNDS OR ANY OTHER REASON. SHOULD ANY MONTHLY PAYMENT BECOME MORE THAN TEN DAYS PAST DUE, YOU WILL BE CHARGED A LATE FEE OF $9.50. The amounts of service fees and late fees are subject to change from time to time without notice. If the Member is paying monthly dues by electronic funds transfer (EFT) or by credit or debit card, the club and its third-party billing service provider(s) (collectively, the "Company"), reserves the right to draft via EFT, credit card, or debit card (as applicable) all amounts owed by the member including any and all late fees and service fees. Subject to appropriate State and Federal Law. NOTE: Members paying monthly dues by EFT are subject to $10.00 per month increase of monthly dues if EFT payment is stopped or changed. This will not affect any other provisions of this agreement.

NOTICE: ANY HOLDER OF THIS AGREEMENT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF, RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

RENEWAL PROGRAM OPTIONS:

MONTH TO MONTH AGREEMENT: The member agrees to make the Scheduled Payments according to the terms set forth by this agreement. This agreement may be cancelled at any time provided the member gives notice to the Club within three business days after the monthly renewal takes effect. Notice may be provided (i) to 872 Pelham Parkway, Pelham, NY 10803 (ii) by sending an email requesting cancellation to customercare@abcfitness.com (iii) by visiting myiclubonline.com, and completing the electronic cancellation form, (iv) in person at the member's club facility or (v) by telephone at the indicated phone number. If the member provides notice of cancellation more than three business days after the beginning of the monthly renewal, the agreement will not be cancelled until the following month.

12-MONTH TERM AGREEMENT AUTOMATIC RENEWAL PROGRAM: Provided that Member is not in default of this agreement and subject to the terms and conditions hereof, at the end of the initial 12-month term, the membership will automatically renew month-to-month thereafter for the rate indicated, on the indicated date, and will continue until the Member cancels. Monthly renewal terms may be cancelled at any time provided the member gives notice to the Club within three business days after the monthly renewal takes effect. Notice may be provided (i) to 872 Pelham Parkway, Pelham, NY 10803 (ii) by sending an email requesting cancellation to customercare@abcfitness.com (iii) by visiting myiclubonline.com, and completing the electronic cancellation form, (iv) in person at the member's club facility or (v) by telephone at the indicated phone number. It is also understood that the Club has the option to increase monthly renewal dues without notice during any renewal period not to exceed the indicated amount per month. If the member provides notice of cancellation of a 12-month term agreement more than three business days after the start of the initial term, the member may be subject to an early termination fee of $150, provided that the Club shall not charge such early termination fee if the Member cancels his or her membership for any of the reasons set forth under "ADDITIONAL RIGHTS TO CANCELLATION" below.

PAID IN FULL or NON-RENEWAL: This is a non-transferable membership that will expire on the indicated date.

A Club Enhancement Fee of the indicated amount will be billed on the indicated date and each year thereafter.

Automatic Renewal Clause:
By applying your initials or signature below, you acknowledge and agree that this agreement will automatically renew and will continue until you cancel, in accordance with the terms and fees described above.

THIS NOTICE PROVIDES IMPORTANT INFORMATION ABOUT YOUR PAYMENT OPTIONS: You may make payments on an installment basis or in a single pay- ment. Paying the full amount may be less expensive, but may involve financial risks to you. Read this notice carefully before making a decision. New York State law requires certain health clubs to post a bond or other financial secu- rity to protect members in the event the club closes. This club has posted such a bond or other financial security as required by New York State law. By signing below, you agree to the terms of this agreement, and you acknowledge that you have reviewed all terms, including the payment amounts and details. Fur- ther, you understand that cancellation of the agreement to stop charges may be submitted through the methods identified in the agreement.