Responsibility Clause and Disclaimer of Liability—Foundations of Faith, Inc., does not own or operate any entity which is to or does provide goods or services for your trip including, for example, cruise, airline, bus or other transportation companies; lodging, restaurant or entertainment facilities; guides or guide services; local ground operators, providers or organizers of optional excursions, etc. All such persons and entities are independent contractors. Foundations of Faith, Inc., and/or its agents and their representatives abroad (collectively, “Suppliers”) act only as agents for the tour members in making arrangements for hotels, transportation, touring, restaurants and/or any other services. Suppliers will exercise reasonable care in making travel arrangements. However, they do not assume any liability whatsoever for any injury, illness, damage, loss, accident, delay or irregularity to person or property because of any act, omission, or default of any hotel, carrier, restaurant, company or person rendering any of the services included in the tour or other arrangements. The tickets, coupons, tariffs, rules or contracts currently in use by any carrier, hotel, restaurant or other contractor rendering services shall constitute the sole contract between such contractor and you or other tour members. By participating in a Foundations of Faith, Inc., tour, you participate in all activities of the tour at your own risk. Suppliers shall not be responsible for loss of or damage to your property or luggage, accidents en route, or ill health which may require you to miss all or parts of tours or arrangements or to return home prior to your planned return. Tour arrangements are planned in advance. If between planning time and the actual tour operation, circumstances require changes, Suppliers reserve the right to vary itineraries and substitute components of tour programs without any penalty to the Suppliers. The right is reserved by Suppliers to accept or deny any person as a member of any tour. Delays, cancellations and over bookings may occur on air flights, cruises and land reservations by the participating carriers and hotels. While Foundations of Faith, Inc., will take all reasonable efforts to avoid any inconvenience associated with such actions, Foundations of Faith, Inc., does not assume responsibility for the actions of the carriers and hotels. It is agreed that any controversy or claim arising out of or relating in any way to this Responsibility Clause and Disclaimer of Liability, to this contract, to the brochure, or any other information relating in any way to the trip, or to the trip itself, shall be settled solely and exclusively by binding arbitration in Montgomery County, Maryland, in accordance with the rules of the American Arbitration Association then existent. In any such proceeding, the substantive law of Maryland will apply. In any circumstance in which the above agreement to arbitrate shall be held to be unenforceable, the parties agree that venue shall be proper only in Montgomery County, Maryland, and the substantive law of Maryland will apply regardless of choice of law principles.