DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

CONSENT TO ELECTRONIC COMMUNICATIONS:

You must consent to transact business with Lead Bank through electronic communications in order for us to process your
loan request. The following terms and conditions govern electronic communications in connection with your loan request,
Loan Agreement (if approved) and any communications regarding your account with us (the "Consent").

By electronically signing this Consent, you are confirming that you have agreed to the terms and conditions of the
Consent and that you have downloaded or printed a copy of this Consent for your records.

You agree that:

• Any disclosure, notice, record or other type of information that is provided to you in connection with your transaction with
us, including but not limited to, the Loan Agreement, this Consent, the Truth in Lending disclosures set forth in the Loan
Agreement, Privacy Policy, fee and transaction information, statements, notices of adverse action, and transaction
information (collectively, "Communications"), may be sent to you electronically by posting the information at our website,
www.helixfi.com, or by sending it to you by email from us or any vendor/servicer contracted through us at any time.
• We will not be obligated to provide any Communication to you in paper form unless you specifically request us to do so.
• You may obtain a copy of any Communication by contacting us at [email protected] or by calling us at 1-800-619-5309.
You can withdraw your consent to ongoing electronic communications in the same manner, and ask that
Communications be sent to you in paper or non-electronic form. We will provide you with paper copies at no charge.
• You agree to provide us with your current email address for notices, which unless notified otherwise we assume is the
email address indicated above. If your email address, telephone number(s), or residence address changes, you must
send us a notice of the new address/telephone number(s) by sending us an email, using secure messaging, at least
five (5) days before the change.
• In order to receive electronic communications in connection with this transaction, you will need a working
connection to the Internet. Your browser must support the Secure Sockets Layer (SSL) protocol. SSL provides a
secure channel to send and receive data over the Internet through HS encryption capabilities. Netscape 4.7+ and
above and Microsoft Internet Explorer
5.01+ and above support this feature. You will also need a printer connected to your computer to print
disclosures/notices. We do not provide ISP services. You must have your own Internet Service Provider.
• We may amend (add to, delete or change) the terms of this Consent by providing you with advance notice.
• You agree that you are able to view and/or electronically store the information presented at this website. You
also agree to print and retain a copy of this Consent for your records.

You are free to withdraw your Consent at any time and at no charge. If at any time you wish to withdraw your Consent, you
can send us your written request by mail to 9019 S 7 Highway, Lee’s Summit, MO 64064 with the details of such
request. If you decide to withdraw your Consent, the legal effectiveness, validity, and enforceability of prior electronic
Disclosures will not be affected.

\b_1_sig\ \b_1_datesigned\ 7/3/2019

_____________________________________________________________________________
Customer Signature Date
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

CONSUMER INSTALLMENT LOAN AGREEMENT

Application Date: 07/03/2019 Loan No.: LF-005D1D2BC7

Effective Date: 07/05/2019
Lead Bank Borrower Name: Vanessa O Dell
9019 S 7 Highway Address: 5828 E Elida St, TUCSON AZ 85712
Lee’s Summit, MO 64064 Phone: (520) 971-2930
Phone: 800-619-5309 Cell Phone:
Email: [email protected] Email address: [email protected]

TRUTH-IN-LENDING DISCLOSURES
ANNUAL PERCENTAGE FINANCE CHARGE AMOUNT FINANCED TOTAL OF PAYMENTS
RATE The amount you will have
The cost of your credit as a The dollar amount the The amount of credit paid after you have made all
yearly rate. credit will cost you. provided to you or on payments as scheduled.
your behalf.
497.6227% $4,696.54 $5,896.54
$1,200.00

Payment Number Payment Amount Payment Due Date

1 $226.79 07/17/2019
2 $226.79 07/31/2019
3 $226.79 08/14/2019
4 $226.79 08/28/2019
5 $226.79 09/11/2019
6 $226.79 09/25/2019
7 $226.79 10/09/2019
8 $226.79 10/23/2019
9 $226.79 11/06/2019
10 $226.79 11/20/2019
11 $226.79 12/04/2019
12 $226.79 12/18/2019
13 $226.79 01/01/2020
14 $226.79 01/15/2020
15 $226.79 01/29/2020
16 $226.79 02/12/2020
17 $226.79 02/26/2020
18 $226.79 03/11/2020
19 $226.79 03/25/2020
20 $226.79 04/08/2020
21 $226.79 04/22/2020
22 $226.79 05/06/2020
23 $226.79 05/20/2020
24 $226.79 06/03/2020
25 $226.79 06/17/2020
26 $226.79 07/01/2020
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

Late Charge: If a payment is 15 days late, you will be charged 5% of the installment due or the minimum amount due
or $15, whichever is greater, not to exceed $50.

Prepayment: If you pay off the loan early, you may be entitled to a refund of part of the finance charge.

See the terms of this Agreement for any additional information about nonpayment, default, any required repayment in full
before the scheduled due date and prepayment refunds.

Itemization of Amount Financed of $1,200.00

$1,200.00 Amount given to you directly
$0.00 Amount paid on Loan No. with us
$0.00 Prepaid Finance Charge (Loan Origination Fee)
$1,200.00 Amount Financed

Definitions: In this Consumer Installment Loan Agreement (the "Agreement") the words "you", "your" and "I" mean the
borrower who has electronically signed it The words "we", "us," and "our" mean Lead Bank, a Missouri-chartered
bank.

Approval and Obtaining Loan Proceeds: In order to complete your transaction with us, you must electronically sign
this Agreement by clicking the acknowledgement button below. The Agreement will be consummated once you sign
and submit this Agreement to us. We will then use commercially reasonable efforts to initiate a credit entry of the
loan proceeds into the Bank Account listed below on or before the Effective Date listed above. We deposit the loan
proceeds directly to your Bank Account via an ACH Credit, unless the proceeds of this loan are used to repay an
existing obligation to us. Therefore, you hereby voluntarily authorize us, our successors or assigns, to initiate an
automatic credit entry to your banking account: Account type: Checking; Bank routing and transit number: 122100024; and
Account Number: 322113157 ("Bank Account"). You agree that we will initiate a credit entry to your Bank Account for an
amount consistent with this Agreement on or before the Effective Date. If you revoke this authorization before we credit
the loan proceeds, then we will not be able to deposit the loan proceeds into your Bank Account. We rely on the
representations of you and other parties in determining the Effective Date. Despite our best efforts, unavoidable delays
as a result of bank holidays, the processing schedule of your individual bank, the untimely receipt of borrower
verification details (if required), inadvertent processing errors, "acts of God", and/or "acts of terror' may extend the
time for the deposit

Promise to Pay: You promise to pay to us the Total of Payments stated above, on the dates set forth in the Payment
Schedule above and other permitted charges. The Principal Amount of the loan is $1,200.00. The Total precomputed
interest is $4,696.54. You agree to pay an origination fee of $0.00 which is deducted from the proceeds of the loan. The
APR disclosed in the Federal Truth-In Lending Disclosures is calculated on the assumption that all payments will be made
when due. You promise to timely pay us the amount owing hereunder by making installment payments on the dates listed
in the schedule of payments ("Due Date(s)") set forth above. On each Due Date you will pay us the amount stated by
certified check or money order, by voluntary payroll deduction as you and your employer may agree, or as we otherwise
agree in writing. Time is of the essence. If any Due Date falls on a date we are not open for business, then you
agree to pay us on the next business day, and we will credit such payment as if we received it on the appropriate
Due Date.

Prepayment. You may prepay us in part or in full at any time, without incurring an additional charge, fee, or penalty. To
make arrangements for prepayment, you must contact us by email at [email protected] or phone at 1-800-619-5309. We
will then communicate with you to arrange an authorization to debit funds from your bank account, or make other
arrangements for the prepayment. Partial prepayments will not result in a refund and you will still be required to make
your scheduled payment. If you prepay in full, we calculate the earned interest at the agreed rate of 499.00 per annum in
accordance with RS. Mo. § 408.100. The origination fee is non-refundable subject to the "Right To Cancel" paragraph
below

Application of Payments. We credit all payments received first to any charges and fees owing, then earned but
unpaid interest, and finally to principal.

Right to Cancel: YOU MAY CA NCEL THIS LOAN, WITHO UT FINANCE CHA RG ES OR ANY COSTS,
NO LATER THA N 5:00 PM EASTERN TI ME OF THE NEX T BANK ING DAY IMME DIA TELY
FOLL OWING THE EFFE CTIVE DA TE ("CA NCEL LA TIO N DEA DLI NE ") BY E MAIL ING
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

info@ helixfi.co m . IN THE EVENT THAT WE TIMELY RE CEIV E YO UR WRI TTEN NO TI CE OF

CA NCELLA TIO N ON O R BE FORE THE CANCE LLATION DEADLI NE BUT BE FO RE THE LOAN
PRO CE EDS HAVE BEEN CREDITED TO YO UR BANK ACCO UNT, BOTH YO UR OBLI GATIONS AND
OUR OBLIGA TI ONS UNDER THIS AGRE EMENT WIL L BE CA NCELE D. I N THE EVE NT THA T WE
TI MELY RECE IVE YOUR WRITTE N NOTICE O F CANCEL LATION O N OR BEFO RE THE
CA NCELLA TIO N DEA DLI NE B UT AFTER THE LOA N PRO CEE DS HA VE BEEN CRE DI TED TO YOUR
BANK A CCOUNT, THEN YO U AUTHORIZE US TO E FFE CT A DE BIT E NTRY TO YOUR BA NK
ACCO UNT FO R THE PRI NCIPAL A MOUNT OF YOUR LOA N SUB JECT TO THE FOLLO WI NG (1 ) IF
WE RE CEIV E THE PAY ME NT OF THE P RI NCIPAL AMO UNT BY THE DE BIT ENTRY TO YO UR
BANK ACCO UNT, THEN BOTH YO UR OBLIG ATI ONS AND O UR OBLIGA TI ONS UNDE R THIS
AGREEMENT WILL BE CANCE LED, O R (2 ) I F WE DO NO T RE CEI VE PAY ME NT OF THE
PRI NCIP AL A MO UNT OF YO UR LOA N BY DEBI T E NTRY TO YO UR BA NK ACCO UNT, THE N THIS
AGREEMENT WI LL REMAI N IN FULL FORCE A ND E FFE CT.

Payment Methods: You are required to make the payments for each installment period on or before the Due Dates and if
on the final scheduled payment due date you still owe amounts under this Agreement you will pay those amounts in full on
that date. You may voluntarily instruct your employer to make the scheduled payments through payroll deductions. If you
elected to mail your payments by certified check or money order (i) all payments must be mailed to: 9019 S 7 Highway,
Lee’s Summit, MO 64064 and (ii) payment must reach this address by 4:00 pm Eastern Time on or before the scheduled
Due Date. Please contact us at 1-800-619-5309 for other payment methods that may be available. Regardless of the
payment method used, a payment must be received by us on or before the scheduled Due Date.

Verification: You certify that the information given in connection with this Agreement is true and correct. You authorize us
to verify all of the information that you gave us such as any past and/or present employment history, income and bank
account details as may be necessary to process your application for a loan determine Due Dates and administer your
account with us. You also give us consent to obtain information about you from consumer reporting agencies or other
sources. You represent that you are not a debtor under any proceeding in bankruptcy and have no intention to file a petition
for relief under any chapter of the United states bankruptcy code.

Returned Payment Fee: Pursuant to R.S. Mo. § 408.140(7), you agree to pay any charges assessed to us by any
institution for processing a refused instrument plus a handling fee of not more than $25.00. You authorize us and our
agents to make a one-time withdrawal from your Bank Account to collect this returned payment fee. We may only impose
this fee once per scheduled installment payment.

Late Charge: If you fail to pay any installment within 15 days of its due date, you will be charged 5% of the installment due
or the minimum amount due or $15, whichever is greater, not to exceed $50. The late charge may not be collected more
than once for the same default.

Default and Post Judgment Interest. You will be in default if you fail to make a scheduled payment on or before the due
date or if you fail to comply with any of the terms of this Agreement. If you default, then we may give you notice of your right
to cure such default as required by R.S. Mo. § 408.554. If you fail to cure such default, then pursuant to R.S. Mo. §
408.555, we may declare the entire outstanding principal balance plus all accrued and unpaid interest that you owe under
this Agreement at once due and payable. We may initiate legal proceedings against you in accordance with the terms of
this Agreement. If we accelerate the balance owing for any reason and judgment is obtained, you agree that the unpaid
balance of the debt will be calculated, less any legal offset, as if payment in full had been made on the date judgment was
entered. Pursuant to R.S. Mo. § 408.040(1), interest on any judgment shall continue to accrue at the rate set forth above.

Our Rights and Remedies. By choosing any one or more of the remedies provided, we do not give up our right to use
another remedy later. By deciding not to use any remedy if you are in default for a particular event, we do not give up our
right to consider the same event a default if it happens again. We may delay or refrain from enforcing any of its rights
without waiving those rights. We reserve all other rights under the laws of Missouri.

Consumer Reports: You authorize us to obtain consumer reports about you in connection with your request for credit, and
at any time that you owe us money under this or any Agreement.
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

Report of Negative Credit Information: We may report information about your account to credit bureaus. Late payments,
missed payments, or other defaults on your loan may be reflected in your credit report.

Assignment and Execution: We may assign or transfer this Agreement or any of our rights hereunder. If this Agreement
is consummated, then you agree that the electronically signed Agreement we receive from you will be considered the
original executed Agreement, which is binding and enforceable as to both parties

Governing Law: Missouri law governs this Agreement.

Venue and Claims Process: By signing this Agreement, you agree that all Disputes (as defined below) relating to this
Agreement shall be decided by a state or federal court located in or having jurisdiction over Jackson County, Missouri, to
the extent allowable by applicable federal and state law. For purposes hereof, “Disputes” shall mean and includes all claims
arising from or related to this agreement, your application, and all other agreements with us, including, without limitation,
claims related to information you previously gave us, all current and past agreements, extensions, renewals, refinancings,
payment plans, collections, privacy, customer information, and also includes claims about the validity and scope of any
terms of this Agreement. You further agree that prior to initiating litigation, you will contact us in attempt to settle the
Dispute by calling 1-800-619-5309 or by writing to us at 9019 S 7 Highway, Lee’s Summit, MO 64064 . Within fifteen days of
the date we receive notice from you, telephonically or in writing, we will make written settlement offer ("Settlement Offer"). If
you choose to reject the Settlement Offer, you may proceed with litigation.

Limitation of Damages: In no event shall we be liable to you in contract, tort, strict liability or any other cause of action for
any consequential, incidental or speculative damages arising out of this Agreement in an amount greater than the principal
amount of the loan under this Agreement.
Attorneys’ Fees and Costs: In the event that (a) we retain an attorney in connection with any default or at maturity or to
collect, enforce or defend this Agreement or any document executed as part of the loan in any lawsuit or in any
reorganization, bankruptcy, arbitration or other proceeding, or (b) you sue us in connection with this Agreement and do not
prevail, then you agree to pay all costs and expenses incurred by us in trying to collect this Agreement or in any such suit or
proceeding, including, without limitation, attorneys’ fees not to exceed 15% of the amount due and payable under this
Agreement, and expenses, and all court costs.
Jury Waiver: You hereby irrevocably waive the right to a trial by jury in any action or proceeding brought by any
party in connection with this Agreement or any related document. By signing this Agreement, you acknowledge
that you have made this waiver knowingly, intentionally, and voluntarily, and you acknowledge reading and
understanding the meaning and ramifications of this waiver provision. You agree that you are not relying upon any
oral or written statements made by us or on our behalf, other than those contained herein, either to induce this
waiver of trial by jury or to modify or nullify its effect. You agree to take all such actions as may be required by
applicable law to allow this waiver to be enforceable.
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

TELEPHONE COMMUNICATIONS/MESSAGING:
By checking this box, you authorize Lead Bank to call or text you for telemarketing purposes at the
\b_checkbox_sms\

following telephone number or as listed above or at any future number that you provide us. Such calls or
texts will be made using an automatic telephone dialing system or prerecorded voice. You are not required
to provide this authorization as a condition of receiving this loan.

Privacy Policy: By signing this Agreement, you acknowledge and agree to our Privacy Policy as stated
on our website at the following link: https://www.helixfi.com/assets/files/privacy_policy.pdf and further agree
that you have reviewed and are in possession of a copy of the Privacy Policy.

Customer Representations. By signing this Loan Agreement:

1. You acknowledge that it was filled in before you did so, and that you have received a completed
copy of it. You agree that the information you provided to us prior to entering into this Loan
Agreement is accurate;
2. You warrant that you are not a debtor under any proceeding in bankruptcy and have no intention to file
a petition for relief
under any chapter of the United States Bankruptcy Code;
3. You agree that you are over 18 years of age;
4. You acknowledge that you have read, understand, and agree to all of the terms of the Privacy Policy.
5. You acknowledge that you have read, understand, and agree to all of the terms of this Loan
Agreement.

\b_1_sig\ \b_1_datesigned\ 7/3/2019

______________________________________________________________________________________
Customer Signature Date
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

Covered Borrower Identification Statement

Federal law provides important protections to active duty military members of the Armed Forces and their
dependents. To ensure that these protections are provided to eligible applicants, we require you to initial
one of the following statements as applicable and sign and date below.
1. I AM a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard,
\b_1_radio_mla_regular\

serving on active duty under a call or order that does not specify a period of 30 days or fewer.

2. I AM a dependent of a member of the Armed Forces on active duty because I am the member's
\b_1_radio_mla_dependent\

spouse, the member's child under the age of eighteen years old, or I am an individual for whom the member
provided more than one-half of my financial support or 180 days immediately preceding today's date.

3. X I AM NOT a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast
\b_1_radio_mla_am_not\

Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer (or a
dependent of such member).

Warning: It is important to fill out this form accurately. Knowingly making a false statement on a credit
application is a crime.

Customer Signature Date

\b_1_sig\ \b_1_datesigned\ 7/3/2019

_______________________________________________________________________________
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

PRIVACY POLICY

FACTS WHAT DOES LEAD BANK DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the
right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and
protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with
us. This information can include:
• Social Security number and income
• Account balances and payment history
• Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice
How? All financial companies need to share customers' personal information to run their everyday business. In
the section below, we list the reasons financial companies can share their customers' personal
information; the
reasons Lead Bank chooses to share; and whether you can limit this sharing.

Does Lead Bank Can you limit

Reasons we can share your personal information
share? this
sharing?
For our everyday business purposes-
such as to process your transactions, maintain your account(s), Yes No
respond to court orders and legal investigations, or report to credit
For our marketing purposes -
Yes No
to offer our products and services to you.
For joint marketing with other financial companies. Yes No
For our affiliates' everyday business purposes-
Yes No
information about your transactions and experiences.
For our affiliates everyday business purposes-
Yes Yes
information about your creditworthiness.
For our affiliates to market to you. Yes Yes

For nonaffiliates to market to you Yes Yes

• Call 1-800-619-5309 or
• Contact us via email at [email protected]

To limit our sharing Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice.
When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions? Call 1-800-619-5309 or go to www.helixfi.com
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

Page 2
Who we are
Who is providing this notice? Lead Bank
What we do
How does Lead Bank Protect my personal information? To protect your personal information from unauthorized
access and use, we use security measures that comply
with federal and state law. These measures include
computer safeguards and secured files and buildings.

All information collected is stored in a technically and

physical secure environment. We store and transmit
information with SSL encryption software.
How does Lead Bank collect my personal information? We collect your personal information, for example, when
you:
- Apply for a loan
- Give us your income information
- Provide employment information
- Provide account information
- Provide contact information

We also collect your information from third parties.

Why can’t I limit sharing? Federal law gives you the right to limit only

- Sharing for affiliates’ everyday business purposes –

information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you

State laws and individual companies may give you

additional rights to limit sharing.
What happens when I limit sharing for an account I hold Your choices will apply to everyone on the account
jointly with someone else?
Definitions
Affiliates Companies related by common ownership or control. They
can be financial and nonfinancial companies.
Nonaffiliates Companies not related by common ownership or control.
They can be financial and nonfinancial companies.
Joint marketing A formal agreement between nonaffiliated financial
companies that together market financial products or
services to you.

Lead Bank is chartered under the laws of the State of Missouri and is subject to regulatory oversight by the
FDIC. Any consumer wishing to file a complaint against Lead Bank should contact the FDIC though one of
the following means: In person, by U.S. Mail: 1100 Walnut Street; Suite 2100; Kansas City, MO 64106, by
Telephone (800) 209-7459, or Online at: https://ask.fdic.gov/FDICCustomerAssistanceForm
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

AUTHORIZATION FOR
VOLUNTARY RECURRING ACH
DEBITS

I, Vanessa O Dell hereby authorize Lead Bank and its successors and assigns to initiate, and Lead Bank’s servicers and agents to
process, automatic debit entries for payments in accordance with my Consumer Installment Loan Agreement (No. LF-
005D1D2BC7 with Lead Bank ("Loan Agreement") from my Bank Account as identified below ("Bank Account"). BANK
ACCOUNT: Bank Routing Number: 122100024 and Bank Account Number: 322113157

I agree that Lead Bank will debit my Bank Account on each scheduled payment due date or thereafter for the
amount owed under the Loan Agreement. I further authorize Lead Bank to initiate a separate ACH debit entry
to my Bank Account for any applicable returned payment fee in the amounts set forth in my Loan Agreement. I
authorize Lead Bank to re-initiate any ACH up to two additional times for the same amount if the ACH is
dishonored.

I may revoke this authorization by contacting Lead Bank in writing at [email protected] and/or 9019 S 7 Highway,
Lee’s Summit, MO 64064 or by phone at 1-800-619-5309. I must contact Lead Bank at least three (3) business days
prior to the date I wish the authorization to terminate.

I have the right to receive notice of all transfers varying in amount. I acknowledge that Lead Bank elected to
offer me a specified range of amounts for the recurring electronic debiting (in lieu of providing the notice of
transfers in varying amount). The amount of any ACH debit will range from (i) the schedule payment amount
provided in the Loan Agreement (which may be less than a scheduled payment if partial prepayments have
been made), to (ii) an amount equal to the scheduled payment plus as applicable, any other amounts I may owe
under the Loan Agreement (e.g. late charge) up to an additional $100. For any recurring electronic debit
outside of this specified range, Lead Bank will send me a notice. Therefore, by agreeing to the terms of this
authorization I choose to receive notice only when a recurring electronic debit amount exceeds the range
specified. I also authorize Lead Bank to verify all of the information that I have provided, including past and/or
current information. I agree that the debit entries authorized herein are voluntary and that certain entries will
recur at substantially regular intervals. If there is any missing or erroneous information in or with my loan
application regarding my Bank Account, then I authorize Lead Bank to verify and correct such information. If
any payment cannot be obtained by ACH, I remain responsible for such payment and any resulting fees under
the Loan Agreement.

I understand that this Authorization for Voluntary Recurring ACH Debits is completely voluntary and offered
solely for my convenience. I understand that I am not required to sign this Authorization for Voluntary
Recurring ACH Debits in order to obtain credit from Lead Bank.

X
\b_radio_ach_y\ I AGREE.
\b_radio_ach_n\ I DO NOT AGREE.

\b_1_sig\
_____________________________________
Vanessa O Dell
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

USA PATRIOT Act Customer Identification Program Notice

Important Information You Need to Know About Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires financial
institutions to obtain, verify, and record information that identifies each person who opens an account.

Types of Information You Will Need to Provide

When you open an account, we are required to collect information such as the following from you:

 Your name
 Date of birth
 Address
 Identification number
o US Citizen: taxpayer identification number (Social Security Number)
o Non-US Citizen: taxpayer identification number, passport number and country of issuance, alien
identification card number, or government-issued identification showing nationality, residence and a
photograph of you

You may also need to show your driver’s license or other identifying documents.

If Your Identity Cannot Be Verified

We may not be able to open an account for you.

We thank you for your patience and hope that you will support the financial industry’s efforts to deny terrorists and money
launderers access to America’s financial system.
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

CORRECTION AGREEMENT

DATE OF LOAN: 07/05/2019

MAXIMUM PRINCIPAL AMOUNT OF LOAN: $1,200.00

BORROWER: Vanessa O Dell

ACCOUNT HOLDER; Lead Bank

In consideration of a loan from Lead Bank, we agree that Lead Bank may correct clerical errors and/or execute any
documentation reasonably necessary to accurately reflect the true and correct terms of the account. We understand that
this may mean correction of the existing note and assignment of collateral or execution of a new note, assignment of
collateral or other documents. We agree that, upon the written request of Lead Bank (or persons acting on Lead Bank’s
behalf), we will comply with Lead Bank’s reasonable request to supply additional documentation.

We agree that this Correction Agreement constitutes an additional covenant under the account documents. If we do not
correct, execute and deliver any and all additional documents within ten calendar days of such request, Lead Bank may in
its sole and absolute discretion deem our failure to timely cooperate as a default under the account documents and Lead
Bank may then proceed to enforce its rights under the account documents, which enforcement may include acceleration of
the maturities of all remaining payments under the note and, if such sums are not promptly paid, foreclosure of Lead Bank’s
liens in collateral securing repayment of the loan.

\b_1_sig\ \b_1_datesigned\ 7/3/2019

______________________________________________________________________________________
Customer Signature Date
DocuSign Envelope ID: 89878EC9-3D94-40F9-B68B-BA3B523AB304

SERVICING NOTICE

Dear Borrower:

Effective immediately, please note that Helix Financial manages the servicing for Lead Bank. This includes: account
maintenance, account history, account inquiries, and payment processing and collection.

You can contact Helix Financial with any questions about your account by logging on securely at secure.helixfi.com or by
calling Customer Service at 1-800-619-5309.

For any questions regarding this notice, please contact Lead Bank at (816) 220-8600.

Thank you.
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Risk-Based Pricing Notice

Lead Bank

Your Credit Report and the Price You Pay for Credit

What is a credit report? A credit report is a record of your credit history. It includes information about
whether you pay your bills on time and how much you owe to creditors.

How did we use your credit We used information from your credit report to set the terms of the credit we
report[s]? are offering you, such as the Annual Percentage Rate and Loan Amount.

The terms offered to you may be less favorable than the terms offered to
consumers who have better credit histories.

What if there are mistakes in You have a right to dispute any inaccurate information in your credit report.
your credit report[s]?
If you find mistakes on your credit report[s], contact Clarity Services, Inc.,
which is the consumer reporting agency from which we obtained your credit
report.

It is a good idea to check your credit report to make sure the information it
contains is accurate.

How can you obtain a copy of Under federal law, you have the right to obtain a copy of your credit report
your credit report[s]? without charge for 60 days after you receive this notice. To obtain your free
report, contact Clarity Services, Inc.:

By telephone: Call toll-free: 1-866-390-3118

By mail: Mail your written request to:

P.O. Box 5717

Clearwater, FL 33758

On the web: Visit https://www.clarityservices.com

How can you get more For more information about credit reports and your rights under Federal
information about credit Law, visit the Consumer Financial Protection Bureau’s web site at
reports? www.consumerfinance.gov/learnmore.
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Your Credit Score and Understanding Your Credit Score

Your credit score 613

Source: Clarity Services, Inc. Date: 07/03/2019

What you should know

about credit scores Your credit score is a number that reflects the information in your credit report.

Your credit score can change, depending on how your credit history changes.

The range of scores Scores range from a low of 300 to a high of 850.

Key factors that

Number of recent online payday loan inquiries
adversely affected your
credit score Length of time since online payday loan opened
Lack of sufficient relevant retail account information
Insufficient recent online payday loan activity

If you have any questions regarding your credit score, you should contact Clarity
Services, Inc. at:
How can you get more
Address:
information about your
credit score? P.O. Box 5717

Clearwater, FL 33758

Telephone Number: 1-866-390-3118