Common use of New Zealand law applies Clause in Contracts

New Zealand law applies. This agreement is governed by New Zealand law and you and we agree that the New Zealand courts may rule on any disputes. If you want to dispute or argue with us in relation to or in connection with this agreement, you may do so only before a New Zealand court or Disputes Tribunal or before our dispute resolution provider in New Zealand. However, we may enforce:

New Zealand law applies. This agreement is governed by New Zealand law and you and we agree that only the New Zealand courts may rule on any disputesDisputes Tribunals or our Dispute Resolution Provider in New Zealand. If you want to dispute or argue with us in relation to or in connection with this agreement, you may do so only before a New Zealand court or Disputes Tribunal or before our dispute resolution provider in New Zealand. However, we may enforce:

New Zealand law applies. This agreement is governed by New Zealand law and you and we agree that the New Zealand courts may rule on any disputes. If you want to dispute or argue with us in relation to or in connection with this agreement, you may do so only before a New Zealand court or Disputes Tribunal or before our dispute resolution provider in New Zealand. However, we may enforce:: this agreement against you; or

New Zealand law applies. This agreement is governed by New Zealand law and you and we agree that only the New Zealand courts courts, Disputes Tribunal or our Dispute Resolution Provider may rule on any disputes. If you want disputes with respect to dispute or argue with us in relation to or in connection with this agreement, you may do so only before a New Zealand court or Disputes Tribunal or before our dispute resolution provider in New Zealand. However, we may enforce:

New Zealand law applies. This agreement is governed by New Zealand law and you and we agree that the New Zealand courts may rule on any disputes. If you want to dispute or argue with us in relation to or in connection with this agreement, you may do so only before a New Zealand court or Disputes Tribunal or before our dispute resolution provider in New Zealand. However, we may enforce:: this agreement against you or any judgment against you or against your real and personal property in any country where you or that property may be.

New Zealand law applies. This agreement is governed by New Zealand law and you and we agree that the New Zealand courts may rule on any disputes. If you want to dispute or argue with us in relation to or in connection with this agreement, you may do so only before a New Zealand court or Disputes Tribunal or before our dispute resolution provider in New Zealand. However, we may enforce:enforce this agreement against you or any judgment against you or against your real and personal property in any country where you or that property may be. GENERAL TERMS AND CONDITIONS | Page 5 of 5 Gilrose Finance Company Limited (“creditor”)