Chinese Elm - Specimen 964470

FINANCING & SUBSCRIPTION AGREEMENT
Effective Date: 04/03/2026
Company: Artisans Bonsai Inc. / EastWest Bonsai Supply Co.

1. AGREEMENT TO TERMS
By purchasing any product, service, class, or program under a payment plan or subscription, you ("Customer") agree to be bound by this Financing & Subscription Agreement.

2. PAYMENT OBLIGATION
Customer agrees to complete all payments associated with the selected plan.
All payment plans are legally binding.
Customer is responsible for the full term selected, regardless of usage, attendance, or product condition.
Failure to complete payments does not void this agreement.

3. BILLING AUTHORIZATION
Customer authorizes recurring charges to the payment method provided.
Charges will occur based on the selected plan (monthly, prepaid, etc.)
Customer must maintain a valid payment method at all times.
Failed payments may be retried automatically.

4. LATE OR FAILED PAYMENTS
If a payment fails:
Account may be suspended immediately.
Access to services, classes, or programs may be revoked.
Products may be withheld or repossessed (if applicable).
Late fees may be applied.

Continued failure to pay may result in:
Immediate acceleration of the remaining balance.
Collections activity.
Additional fees and costs.

5. NO CANCELLATION / NO REFUNDS
All financing and subscription agreements are non-cancelable, non-refundable, and non-transferable.
Applies to bonsai trees, classes, memberships, and bundled services.

6. PRODUCT CONDITION & LIABILITY
Bonsai trees are living organisms. No guarantee is provided once the tree leaves our care.
Customer assumes full responsibility for maintenance.

7. CLASSES & PROGRAMS
Attendance is the responsibility of the Customer.
Missed classes are not refundable or credited.
Make-up sessions are not guaranteed.

8. EARLY TERMINATION & DEFAULT
Customer may not terminate this agreement early.
Remaining balance becomes immediately due upon default.

9. OWNERSHIP
Ownership may remain with the Company until paid in full.
Company may reclaim products upon default.

10. CHARGEBACKS & DISPUTES
Customer agrees not to initiate chargebacks.
Improper disputes may result in termination, collections, and legal action.

11. MODIFICATIONS
Terms may be updated at any time.

12. GOVERNING LAW
Governed by the laws of the State of Florida.

13. ACCEPTANCE
By completing a purchase, Customer agrees to these terms.