THIS DOCUMENT INCLUDES:

1. Attention Statement
2. Consent to Contact, Electronic Disclosures, and Electronic and Telephone Communications
3. Consent to SMS (Text) Messaging and Agreement to Receive Telemarketing
4. Privacy Policy
5. Credit Service Disclosure Statement
6. Credit Service Agreement and Notice of Cancellation
7. Installment Loan Agreement and Truth-in-Lending Disclosure
8. Amortization Schedule
9. Optional Revocable Payment Authorization
10. Optional Revocable Electronic Fund Transfer and Debit Card Payment Authorization

**ATTENTION**
You can pay this loan off at any time. You will only pay interest for the days you have the loan
outstanding. The OPTIONAL REVOCABLE PAYMENT AUTHORIZATION for electronic payments is
not required to obtain a loan, however, if you are unable to sign any provision of the following agreement,
please call us to complete your loan. If you payoff the Principal Loan Amount within 3 business days of
funding, you will not be charged any interest or fee.

CONSENT TO CONTACT, ELECTRONIC DELIVERY OF DISCLOSURES & ELECTRONIC

SIGNATURES

In the paragraphs below the words "you" and "your" mean each customer ("BORROWER") so named below.
The words "we", "I", "us", and "our" mean Cash Lane Texas, LLC ("Company").

CONSENT TO BE CONTACTED BY PHONE: By providing your contact information, phone number, and
requesting a loan, You are expressly consenting to be contacted by the Company, its affiliates, customer services
representative, other agents of the Company, or the Lender by telephone, email, text/SMS messages, or mailing
addresses in our records or from other public or non public databases we may lawfully access. In connection
with any telephone calls, you consent to the use of prerecorded/artificial voice message and/or automatic dialing
devices at any telephone number associated with your account, including mobile telephone numbers that could
result in charges to you for matters related to your account, loan, payments on your account, or application even
if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state
equivalent Do Not Call List, or the Do Not Call List of any specific institution. The Company, the Lender, and
its representatives can contact you for loan servicing, your application, reminders of your payments, collections,
and other loan-related issues. You further agree and acknowledge that we may use third party services and other
providers to contact you on your behalf regarding your account or the terms of this loan. You may change your
contact preferences by contacting us.

ELECTRONIC SIGNATURE: You acknowledge and agree that when you type your name in the boxes
indicated on this loan and click "Continue," you are providing your electronic signature on this application for a
loan with the Lender, the Company, and/or its affiliates or agents, which is the same as if you signed a paper
copy in accordance with the Electronic Signatures in Global and National Commerce Act and the Texas Statutes
and Uniform Commercial Code. By electronically signing this application, you are agreeing to all the terms and

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conditions set forth below, in their entirety, if your application is accepted. Your consent does not guarantee
acceptance of your application for credit.

Borrower Initials: [initial|req|signer0]

CONSENT TO ELECTRONIC DISCLOSURES AND ELECTRONIC/TELEPHONE

COMMUNICATIONS: By consenting to the electronic delivery of disclosures and communications, you agree
the Company, Lender, and their affiliates and agents may provide or deliver electronically all communications
and notices concerning their decisions on your application and loan documents, the Optional Revocable Payment
Authorization, the terms of any credit services or loan that may be provided to you, and the privacy policies of
the Company (the “Disclosures”). Your consent applies not only to your application and any resulting credit
services, the loan, and subsequent notices but also to any application for future credit services from the Company
or loan from the Company.

The following terms and conditions govern electronic communications and disclosures in connection with this
Agreement and the transaction evidenced hereby (the "Consent"). By this agreement, you agree that any notices
that we are required to make may be delivered to you electronically. In addition, you expressly consent to the
Company, Lender, and their affiliates and agents contacting you at any telephone number, home address, or
email address listed on your application or Agreement, updated by you, provided by your references in the
future, or ascertained by the Company through its resources. You acknowledge and agree to the following terms
and conditions of this Consent and confirm that you have received a copy of this Consent for your records. You
hereby 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, this Agreement, this Consent, the application, any change,
interim notices, fee and transaction information, statements, delayed disbursement notices, notices of
adverse action, state or federally mandated brochures and disclosures, and transaction information
("Communications"), may be sent to you electronically by posting the information on our website or by
sending it to you by email;
you have the option to receive any information that the Company has provided you electronically in paper
form at no cost to you by contacting the Company in writing at 233 3rd Street N, Suite 203, St. Petersburg,
FL 33701 with your name, address, and loan number or by calling us at 888-729-4929. You can also
withdraw your consent to ongoing electronic communications in the same manner;
your current email address and telephone number for notices is indicated within Agreement. If your email
address, telephone number, or home address changes, you must send us a notice of the new contact
information by writing to us or sending us an email at reply@[Link], at least 5 days before the
change;
to receive electronic communications, you will need a working connection to the internet and an email
account. Your browser must support the current version of Secure Sockets Layer (SSL) protocol. You
must have a printer or sufficient hard drive space available to save the information. If you have a question
about your browser or the SSL protocol, please contact your internet service provider or a qualified
information technology service provider. Generally, to electronically receive, view, and save or print the
Disclosures, you must have a personal computer equipped with Microsoft Internet Explorer 7.0, Google
Chrome 13.0, Firefox 5.0, Safari 4.0 or any later version of these programs, Adobe Reader 6 or later
version, and either a printer, a hard drive, or other storage device. We recommend that you print a paper
copy of your loan documents and notices or save a copy; and
we may amend (add to, delete, or change) the term of this Consent by providing you with advance notice.

WITHDRAWAL OF CONSENT: You are free to withdraw your consent to electronic delivery of notices,
Disclosures, or records at any time at no cost to you after your application has been accepted. If you decide to

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withdraw your consent, such withdrawal will not affect the validity of notices, Disclosures, or records that were
previously delivered electronically. To withdraw your consent, please send us a request at
reply@[Link]. The request must come from the email address on your account. If you do not agree to
electronic delivery of notices, Disclosures, or records or electronic Consent, please close your browser and
contact the Company by email at reply@[Link] or telephone at 888-729-4929.

BY SIGNING BELOW, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND
AGREE TO BE BOUND BY THE ABOVE CONSENT. IF YOU DO NOT AGREE, YOU WILL NOT BE
PERMITTED TO OBTAIN CREDIT SERVICES OR A LOAN.

Under the Federal E-Sign Act (E-Signature Act), the typing of your name along with your IP address and time
stamp is the same as you physically signing this document in person.

Borrower Signature: [sig|req|signer0]

Date: 08 / 05 / 2024
[date|req|signer0]

SMS (TEXT MESSAGING) STATEMENT NOTIFICATIONS DISCLOSURE: This SMS Statement

Notifications Disclosure applies to your account with us or the Lender if you have elected to receive Short
Message Service ("SMS") messages. "SMS Statement Notifications" means any SMS (text message)
communications from us to you pertaining to your Agreement, including but not limited to, payment
information, account information, due dates, delinquent accounts, program updates, promotions, coupons, and
other marketing messages.

1. How to unsubscribe: You may withdraw your consent to receive SMS Statement Notifications by calling
us at 888-729-4929 or replying "STOP" to any marketing text message that we send you. We will not
impose any fee to process the withdrawal of your consent to receive SMS Statement Notifications.
2. To request additional information regarding text messaging call us 888-729-4929.
3. The services are available on all major carriers. Additional carriers are added as they become available.
4. To access, view, and retain SMS Statement Notifications that we make available to you, you must have:
(1) an SMS-capable mobile telephone/device; (2) an active mobile telephone/device account with a
communication service provider ("CSP"); and (3) sufficient storage capacity on your mobile
telephone/device.
5. All SMS Statement Notifications in electronic format from us to you will be considered "in writing."
6. There is no service fee for SMS Statement Notifications, but you are responsible for all charges, including
but not limited to, fees associated with text messaging imposed by your CSP. Please consult your CSP's
pricing plan to determine the charges for sending and receiving text messages. These charges will appear
on your telephone bill. Message frequency depends on account settings.
7. You agree that we may send any SMS Statement Notifications through your CSP to deliver them to you
and that your CSP is acting as your agent in this capacity. You agree to provide a valid mobile telephone
number for these services so that we may send you certain information about your account. Additionally,
you agree to indemnify, defend, and hold us harmless from and against any and all claims, losses, liability,
cost, and expenses (including reasonable attorneys' fees) arising from your provision of a mobile telephone
number that is not your own or your violation of applicable federal, state, or local law, regulation, or
ordinance. Your obligation under this paragraph shall survive termination of this Agreement. SMS
Statement Notifications are provided for your convenience only. Receipt of each SMS Statement may be
delayed or impacted by factor(s) pertaining to your CSP or your use or non-use of your SMS device. We
will not be liable for losses or damages arising from any disclosure of account information to third parties,
non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in the SMS
Statement Notifications sent by us.
8. We may modify or terminate our text messaging services for any reason and without notice.

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By providing your telephone number, you have provided the Company and the Lender and their affiliates or
agents with consent to send you text messages in conjunction with the services you have requested. Your CSP
message and data rates may apply to all messages. You understand that text messages we send may be seen by
anyone with access to your telephone/device. Accordingly you should take steps to safeguard your
telephone/device and text messages if you want them to remain private.

PLEASE INITIAL HERE TO ACKNOWLEDGE CONSENT TO THE SMS (TEXT MESSAGING)

STATEMENT NOTIFICATIONS DISCLSOURE:

Borrower Initials: [initial|req|signer0]

AGREEMENT TO RECEIVE TELEMARKETING TEXT MESSAGES OR CALLS: By signing this

section, you authorize us and the Lender to send marketing text messages or make calls to the mobile telephone
number you have provided and that is listed in this Agreement using an automatic telephone dialing system. You
are not required to authorize marketing text messages or calls to obtain credit or a loan from us or the Lender. If
you do not wish to receive sales or marketing text messages or calls from us or the Lender, you should not sign
this section. You understand that any messages we send you may be accessed by anyone with access to your text
messages or telephone/device. You also understand that your CSP may charge you fees for text messages that we
send you. You agree that we shall have no liability for the cost of any such text messages. You may withdraw
your consent to receive marketing text messages at any time by either calling us or replying "STOP" to any
marketing text message that we send you.

Mobile Number: +13253219033

Under the Federal E-Sign Act (E-Signature Act), the typing of your name along with your IP address and time
stamp is the same as you physically signing this document in person. Further, you have previously consented to
the use of e-signatures and electronic communications.

Borrower Signature: [sig|req|signer0] 08 / 05 / 2024

[date|req|signer0]
Date: 08 / 05 / 2024
[date|req|signer0]

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 WHAT DOES CASH LANE TEXAS, LLC ("COMPANY") AND MNS CAPITAL
FACTS
LLC ("LENDER") DO WITH YOUR PERSONAL INFORMATION?

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
Why? you how we collect, share, and protect your personal information. This privacy policy
applies to the Company and its affiliates. Please read this notice carefully to understand
what we do.
The types of personal information we collect and share depend on the product or service
you have with us. This information can include:

What? social security number and bank and debit account information;
account balances, income, transaction history and credit history; and
mobile telephone number, employment information.

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
How?
their customers’ personal information, the reasons the Company chooses to share, and if
you can limit this sharing.

Does the To whom is information shared with?

Reasons we can share your personal information
Company share? Can you limit this sharing?

Third party processors and providers

For our everyday business purposes – such as to who have contractual duty of
process your transactions, maintain your account(s), confidentiality, to courts pursuant to a
Yes
respond to court orders and legal investigations, or court order, and major consumer credit
report to credit bureaus reporting agencies and credit bureaus
No

For our marketing purposes –to offer our products No for email
Yes
and services to you Yes for texts
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes –
information about your transactions and Yes No
experiences
For our affiliates’ everyday business purposes –
Yes Yes
information about your creditworthiness
For our affiliates to market to you Yes Yes
Company and Lender do not share your
For nonaffiliates to market to you No information with nonaffiliates to market
to you.

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Who we are
Who is providing this Lenders, creditors, and financial service providers operating under the Company
notice? name as set forth below.
What do we do

How does the Company To protect your personal information from unauthorized access and use, we use
protect my personal security measures that comply with state and federal law. These measures include
information? computer safeguards and secured files and buildings.
We collect your personal information, for example, when you:

How does the Company apply for a loan or make an electronic fund transfer;
collect my personal show us your government issued ID or give us information; provide account
information? or employment information; or we also collect your personal information
from others, such as credit bureaus, affiliates, or other companies.

Limit sharing

Federal law gives you the right to limit only:

sharing for affiliates' everday business purposes (e.g. information about

your creditworthiness);
Why can’t I limit all
affiliates from using your information to market you; and
sharing?
sharing for non-affiliates to market you.
State laws and individual companies may give you additional rights to limit
sharing. See below for more on your rights under state law.

What happens when I limit

sharing for an account I hold Your choices will apply to everyone on your account.
jointly with someone else?

Call the Company at 888-729-4929 or email reply@[Link].

Please note: If you are a new customer, we can begin sharing your information
for business purposes immediately. We will not share your information to
unrelated companies for the purpose of marketing their goods and services to you
To limit our sharing
for 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. You,
allowing a reasonable time to process requests, however, can contact us at any
time to limit our sharing as provided for in this privacy policy.

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Definitions
Companies related by common ownership or control. They can be financial and
Affiliates non-financial companies.
Our affiliates include financial companies.

Companies not related by common ownership or control. They can be financial

and non-financial companies.
Non-affiliates Non-affiliates we share with may include lenders, banks, collection agencies,
software providers, payment processors, check-cashers, tax preparers, brokers,
pawnbrokers, rent-to-own, mortgage and insurance companies, and retailers.

A formal agreement between non-affiliated financial companies that, together,

market financial products or services to you.
Joint Marketing
Our joint marketing partners include lenders, banks, software providers, brokers,
data companies, payment processors, mortgage companies, and retailers.
Questions Call 888-729-4929 or email reply@[Link].

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 CREDIT SERVICES DISCLOSURE STATEMENT

PLEASE REVIEW THE CREDIT SERVICES DISCLOSURE STATEMENT BELOW.

DEFINITIONS: In this Credit Service Disclosure Statement, the words “you” and “your” mean each customer
("Borrower") so named below. The words, “CSO,” “we,” “us,” and “our” mean Cash Lane Texas, LLC
(“Company”) and its successor and assignees with an address at 233 3rd Street N, Suite 203, St. Petersburg, FL
33701. The Lender (“Lender”) shall mean the separate third-party lender identified in your Installment Loan
Agreement and Disclosures. "Credit Services Agreement" means the agreement that will govern any credit
services we provide to you. "Loan" means the loan that Lender may provide to you, and "Installment Loan
Agreement and Disclosures" means the loan agreement and promissory note that will govern any Loan that
Lender may provide to you.
PURPOSE OF THIS DISCLOSURE: Chapter 393 of the Texas Finance Code ("TFC") regulates credit service
organizations and credit access businesses and requires us to provide you with this disclosure statement before
you execute the Credit Services Agreement or pay any fee or other consideration to us. We are a credit services
organization ("CSO") which is registered with the Secretary of State of Texas and licensed by the Office of
Commissioner of Consumer Credit under Chapter 393 of the TFC as a credit access business but are exempt in
accordance with the TFC from having to be licensed as a regulated loan arranger under Texas law.
DESCRIPTION AND COST OF SERVICES: NOTE: YOU WILL NOT OWE THE CSO A FEE IF YOU
DO NOT RECEIVE A LOAN FROM THE LENDER. If you enter into an agreement with us for credit services,
which will include a Jury Trial Waiver and Arbitration Agreement, you understand that for a fee of $712.64, we
will use our best efforts to do the following: (1) arrange a loan for you for 4 to 6 months at a rate of interest not
to exceed 10% per annum simple interest from a third-party lender; (2) issue a credit enhancement to secure
such loan; (3) assist you in preparing related information and documents (e.g., loan applications, credit reports,
and loan documents); and (4) if the lender approves the loan, assist you in closing the loan, disbursing funds,
and collecting payments due directly to and from you. However, you will not owe a fee to us unless you obtain a
loan. You understand that we are a credit service organization and not the lender. As set forth above, our
primary service would be to use our best efforts to obtain and assist in obtaining a loan for you at a rate of
interest not to exceed 10% per annum. If approved, your Loan terms would be: Loan Amount: $130.00, payable
in 6 payments payable monthly of substantially equal payments of $198.48.

NOTE: The maximum CSO fee is calculated based on 35.5% of the outstanding principal per scheduled
payment. Your schedule above is based on you making payments on the scheduled dates. Failure to make a
payment when due will result in your principal balance not being reduced, and the CSO fee will be charged
based on the actual outstanding principal balance.
YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A LENDER OR FIDUCIARY OF YOU OR
THE LENDER. YOU UNDERSTAND THAT ANY SERVICES OR THIRD-PARTY LOAN YOU
RECEIVE MAY NOT BE AT THE BEST AVAILABLE RATE OR TERMS AND THAT YOU MAY LOOK
ELSEWHERE.

The Loan may also provide for a late charge (the greater of 5% of the payment amount or $7.50 if any payment
is in default for a period of not less than 10 days), a returned check charge of $25.00, attorneys' fees, and costs
of collection. You should review this disclosure statement, Credit Services Agreement, Installment Loan
Agreement and Disclosures, and other documents provided by the CSO and Lender before signing any Loan
documents. Even though our fee needs to be disclosed as a finance charge for purposes of federal law
disclosures, you understand that our fees are not interest. You also understand that you would pay those fees
directly to us.

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APR AND FINANCE CHARGES: Under the federal Truth in Lending Act ("TILA"), the CSO fee is a finance
charge and is disclosed as part of the Annual Percentage Rate ("APR") on the Loan, even though the CSO fee is
paid to and retained by the Company, not the Lender. The interest rate for the Loan will be under 10% and the
actual interest rate will be stated in your Installment Loan Agreement and Disclosures with the Lender. The APR
will be 448.56% and may vary depending on the duration of your Loan. While the CSO fee is a finance charge
and part of the APR under TILA, it is not interest under Texas law.

DISCLOSURE FOR CREDIT ACCESS BUSINESS (CAB): (1) If you pay off your Loan early, there will
be no prepayment penalty; (2) the Company is a credit service organization and a credit access business
that complies with Chapter 392 and 393 of the Texas Finance Code and the federal Fair Debt Collection
Practices Act (15 U.S.C. § 1692 et seq.) with respect to an extension of consumer credit described by
Section 393.602(a) of TFC; (3) the Company and Lender will not threaten or pursue criminal charges
against a consumer related to a check or other debit authorization provided by the consumer as security
for a transaction in the absence of forgery, fraud, theft, or other criminal conduct; (4) the Company and
Lender comply, to the extent applicable, with 10 U.S.C. § 987 and any regulations adopted under that law
with respect to an extension of consumer credit described by Section 393.602(a) of TFC.

If you would like more information, please contact the Office of Consumer Credit Commissioner of Texas:
2601 North Lamar Boulevard
Austin, TX 78705
(800) 538-1579
[Link]@[Link]
[Link]

OTHER CHARGES: In the event you do not pay us the CSO fee when due, the amounts you owe us, as
reimbursement to us, for amounts we pay under the credit enhancement, or other amounts owed to us, you also
agree to pay us, to the extent permitted by law, 9.99% per annum on amounts owed from date due until paid,
costs of collections, reasonable attorneys' fees, and a dishonored item fee of $25.00 if any payment owed to us
(including an ACH payment) is returned.

CAUTION: The credit services provided and the Loan that is being sought on your behalf are NOT
intended to meet long term financial needs. Any credit services and Loan should only be used to meet your
immediate short term cash needs. Frequent or repeated use can cause serious financial hardships. Before
entering into the Credit Services Agreement or the Installment Loan Agreement and Disclosures, you
should evaluate the costs and benefits of all options, including a loan obtained directly from another
lender (with or without the assistance of a credit services organization or credit access business), a loan
from a personal friend or family member, a credit card cash advance, or a salary advance.

CLAIMS AGAINST SURETY ACCOUNT: You understand that we have filed a surety account in the amount
of $10,000 with the Secretary of State of Texas under Chapter 393 of the TFC. The surety account is held by the
surety company and identified by the bond number shown below. Under Chapter 393 of the TFC, the surety
account is in favor of a person damaged by a violation of the chapter and the State of Texas for the benefit of
such person. A person making a claim against a surety account for a violation of the chapter may file suit against
the surety. The surety company is liable only for actual damages, reasonable attorneys' fees, and court costs
awarded under Section 393.503(a) of TFC. The aggregate liability of a trustee for an organization's violation of
the chapter may not exceed the amount of the surety account. The surety account must be maintained until the
second anniversary of the date of which the organization ceases operations.

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Surety Bond Number: 14BSBIB6005 Surety Company:
In the name of Cash Lane Texas, LLC Hartford Casualty Insurance Company
1 Griffin Road
Windsor, CT 06095

YOUR RIGHTS REGARDING YOUR CREDIT INFORMATION AND REPORTS: You understand that
you have certain rights under the Fair Credit Reporting Act (15 U.S.C.A § 1681 et seq.) and Chapter 20 of the
Texas Business and Commerce Code. Some of your rights are described below:

CONSUMER REPORTING AGENCIES: Consumer reporting agencies are credit bureaus that gather and sell
information about consumers to creditors, employers, landlords, and other businesses. This information is
retained by the consumer reporting agencies in their files. You must be told if information in your file has
been used against you. Anyone who uses information from a consumer reporting agency to take action against
you, such as denying an application for credit, insurance, or employment, must tell you and give you the name,
address, and phone number of the consumer reporting agency that provided the consumer report. Because more
than one consumer reporting agency may have information on you, you may want to contact each consumer
reporting agency that maintains information on you. The three major consumer reporting agencies are:

1. Equifax: [Link] at (800) 685-1111;

2. Experian: [Link] at (888) 397-3742; and
3. Transunion: [Link] at (833) 806-1627.

YOU CAN FIND OUT WHAT IS IN YOUR FILE: At your request, a consumer reporting agency must give
you the information in your file, and a list of everyone who has requested it recently.

RIGHT TO REVIEW INFORMATION: All consumers are entitled to 1 free disclosure every 12 months upon
request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies (see
[Link]/credit for additional information). You are also entitled to a free file disclosure if: (1) a person has
taken adverse action against you because of information in your credit report; (2) you are the victim of identity
theft and a fraud alert is in your file; (3) your file contains inaccurate information as a result of fraud; (4) you are
on public assistance; or (5) you are unemployed but expect to apply for employment within 60 days. Otherwise,
a consumer reporting agency may charge you a minimal fee for the report.

RIGHT TO DISPUTE INFORMATION: If you tell a consumer reporting agency that your file contains
inaccurate information, the consumer reporting agency must investigate the items you contest by presenting to
any person who provided any item of information in dispute all relevant evidence you submit, unless your
dispute is frivolous. The person who provided the disputed information must review your evidence and report its
findings to the consumer reporting agency. The consumer reporting agency must give you a written report of its
investigation and a copy of your report if the investigation resulted in any change. If the consumer reporting
agency's investigation does not resolve the dispute, you may add a brief statement to your file. The consumer
reporting agency must normally include a summary of your statement in future reports. If an item is deleted or a
dispute statement is filed, you may ask that anyone who has recently received your report be notified of the
change in the report.

INACCURATE, INCOMPLETE, AND OBSOLETE INFORMATION: A consumer reporting agency must

remove or correct inaccurate or unverified information from its files. However, the consumer reporting agency is
not required to remove accurate data from your file unless it is obsolete or cannot be verified. If information is
deleted from your file after an investigation and later reinserted, the consumer reporting agency must give you a
written notice telling you it has reinserted the information. The notice must include the name, address, and
telephone number of the person who provided the reinserted information. Except in certain cases, a consumer

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reporting agency may not report negative information that is more than 7 years old, except for bankruptcies
which may be reported for 10 years.

CREDIT COUNSELING AVAILABILITY: There are other ways and sources for you to obtain credit
services or a loan that may be less expensive available to you. A list of credit counseling agencies can be found
online through the Office of Consumer Credit Commissioner’s website. You have a right to consider these other
ways and sources. Nonprofit credit counseling services may be available in your community. You may refer to
your local telephone directory under "Credit and Debt Counseling" for listings and sources.

GOVERNING LAW: The credit services disclosure shall be construed in accordance with and governed by
federal law with respect to the Arbitration Agreement and the laws of the State of Texas, without giving effect to
any choice of law rule.

NOTICE:

YOU MAY CANCEL THIS CONTRACT AT ANY TIME BEFORE MIDNIGHT OF THE THIRD DAY
AFTER THE DATE THE CREDIT SERVICES AGREEMENT IS SIGNED. SEE THE NOTICE OF
CANCELLATION FORM WHICH IS PROVIDED TO EXPLAIN THIS RIGHT.

BY SIGNING BELOW, YOU ACKNOWLEDGE THE FOLLOWING:

1. YOU HAVE READ AND UNDERSTAND THIS DISCLOSURE STATEMENT.

2. WE (CSO/COMPANY) DO NOT MAKE LOANS AND WILL NOT BE MAKING ANY LOAN TO
YOU. RATHER, WE MAY PROVIDE CREDIT SERVICES TO HELP YOU OBTAIN A LOAN FROM
LENDER, A THIRD PARTY COMPANY.
3. THE CREDIT SERVICES WE PROVIDE AND ANY LOAN WE ARRANGE FOR YOU MAY NOT
BE ON THE BEST AVAILABLE RATES OR TERMS. YOU MAY WANT TO CONSIDER OTHER
OPTIONS BEFORE PROCEEDING.

AT THIS TIME, YOU HAVE NOT EXECUTED THE CREDIT SERVICES AGREEMENT OR PAID ANY
CSO FEE OR OTHER CONSIDERATION TO US WITH RESPECT TO THE CREDIT SERVICES
DESCRIBED ABOVE.

IF YOU SIGN BELOW, YOU ARE NOT REQUIRED TO AGREE TO THE CREDIT SERVICES
AGREEMENT. IF YOU DO NOT SIGN BELOW, YOU WILL NOT BE PERMITTED TO OBTAIN
CREDIT SERVICES.

Under the Federal ESign Act (ESignature Act), the typing of your name above along with your IP address and
time stamp is the same as you physically signing this document in person. Further, you have previously
consented to the use of esignatures and electronic communications.

Borrower Signature: [sig|req|signer0]

CSO Signature:

Date: 08 / 05 / 2024
[date|req|signer0]

Doc ID: 950986c9f26bf68913a423579d072f3317f5efa8

Cash Lane Texas, LLC Annabell Deleon
233 3rd Street N 406 E OAK AVE
Suite 203 COMANCHE Texas 76442
St. Petersburg, FL 33701 xxx - xx - 1476
888-729-4929 Loan Number: 193614

CREDIT SERVICES AGREEMENT

In this Credit Service Agreement and CSO Credit Enhancement (“Credit Services Agreement”) the words “you”
and “your” mean each customer ("Borrower") so named below. The words “we,” “us,” “our,” ”me,” and “CSO”
mean Cash Lane Texas, LLC ("Company”) and its successor and assignees. The third-party lender shall mean
MNS Capital LLC ("Lender"). "Loan" means the loan that Lender may provide to you, and "Installment Loan
Agreement and Disclosures" means the loan agreement and promissory note that will govern any Loan that
Lender may provide to you.

DESCRIPTION OF SERVICES: We do not make loans, but instead provide credit services. Upon execution
of this Credit Services Agreement, we will use our best efforts to: (1) arrange a loan for you for 4 to 6 months at
a rate of interest not to exceed 10% per annum simple interest from a third-party lender; (2) issue a credit
enhancement to secure such loan; (3) assist you in preparing related information and documents (e.g., loan
applications, credit reports, and loan documents); and (4) if the Lender approves the Loan, assist you in closing
the Loan, disbursing funds, and collecting payments due directly to and from you. If you accept the Loan and the
Loan is made, the amount financed of the Loan will be: $461.81 as set forth below and the interest will be 9.99%
per annum simple interest with an Annual Percentage Rate 448.56%, including all finance charges assuming
payments are made on the payment dates. The maximum CSO fee of $712.64 will be due and payable in
accordance with the payment terms set forth below. If you prepay your Loan, the Company will recalculate your
CSO fee to reflect such prepayment so that the CSO fee due will align with your principal payments. Your
payment of the CSO fee, principal, and interest will be due in installment as follows: Loan Amount: $130.00,
payable in 6 payments payable monthly of substantially equal payments of $198.48.

NOTE: The maximum CSO fee is calculated based on 35.5% of the outstanding principal per scheduled
payment. Your schedule above is based on you making payments on the scheduled dates. Failure to make a
payment when due will result in your principal balance not being reduced, and the CSO fee will be charged
based on the actual outstanding principal balance.

Our credit services will be performed from the effective date of this Credit Services Agreement until the date
that any Loan is paid in full or renewed, the date that you cancel the Credit Services Agreement, if allowed by
law, or the date that the credit enhancement is paid to the Lender. All services we provide under this Credit
Services Agreement will be performed within 180 days. You understand that all or part of our or Lender's
operations might be located inside or outside of Texas. If you obtain a loan from a lender, we will issue a credit
enhancement that will secure your payment obligations to the Lender. If you do not repay the loan in full prior to
the maturity date, you will be in default under the terms of the Installment Loan Agreement and Disclosures with
the Lender. We may try to extend the terms of the credit enhancement provided that you make your CSO fee
payments as set forth above.

FEES: In consideration for the credit services that we will provide you under this Credit Services Agreement,
you agree to pay us the CSO fee referenced above on the payment dates referenced above. Under the federal
Truth in Lending Act ("TILA"), the CSO fee is a finance charge and is part of the Annual Percentage Rate on the

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Loan. Even though the CSO fee is disclosed in this manner under TILA, it is not interest under Texas law. The
CSO fee will be paid to and retained by us, not Lender. No CSO fee will be charged if we are unable to arrange
the Loan for you, if you decide not to accept the Loan, or if you decide to accept the Loan but cancel this Credit
Services Agreement within 3 days after the agreement signed.

Additional Terms

CREDIT ENHANCEMENT AND OBLIGATION TO REIMBURSE: As part of our services, we provide a

credit enhancement to the Lender to secure the amount financed, interest, and any potential dishonored item fees
you owe under the Installment Loan Agreement and Disclosures. In the event we make a payment to Lender
under the credit enhancement, you will owe us the amount we pay and any amounts owed under the Credit
Services Agreement, including but not limited to, the CSO fee. You authorize us to initiate debits in accordance
with the Optional Revocable Payment Authorization. If you exercise your right to cancel within the applicable
time period, the credit enhancement will be canceled upon receipt of the Notice of Cancellation form (provided
below for reference). You understand that we are not responsible for determining the accuracy of the Lender’s
statements. If there is an overpayment, we apply such credits to your account or refund the amount unless the
amount is less than $1.00. The credit enhancement will expire 30 days after maturity or your Loan due date.

Surety Bond Number: 14BSBIB6005 Surety Company:

In the name of Cash Lane Texas, LLC Hartford Casualty Insurance Company
1 Griffin Road
Windsor, CT 06095

DISCLOSURE FOR CREDIT ACCESS BUSINESS (CAB): (1) If you pay off your Loan early, there will be
no prepayment penalty; (2) the Company is a credit service organization and a credit access business that
complies with Chapter 392 and 393 of the Texas Finance Code (“TFC”) and the federal Fair Debt Collection
Practices Act (15 U.S.C. § 1692 et seq.) with respect to an extension of consumer credit described by Section
393.602(a) of TFC; (3) the Company and Lender will not threaten or pursue criminal charges against a consumer
related to a check or other debit authorization provided by the consumer as security for a transaction in the
absence of forgery, fraud, theft, or other criminal conduct; (4) the Company and Lender comply, to the extent
applicable, with 10 U.S.C. § 987 and any regulations adopted under that law with respect to an extension of
consumer credit described by Section 393.602(a) of TFC.

If you would like more information, please contact the Office of Consumer Credit Commissioner of Texas:
2601 North Lamar Boulevard
Austin, TX 78705
(800) 538-1579
[Link]@[Link]
[Link]

INTEREST AFTER MATURITY: If there amounts due under the credit enhancement or Loan after maturity
due to default or nonpayment, any outstanding amounts will accrue interest at the interest rate stated in your
Installment Loan Agreement and Disclosures.

INTERSTATE COMMERCE: You acknowledge that this Credit Services Agreement involves interstate
commerce for all purposes and that a portion of this Credit Services Agreement is processed at the CSO’s office
in St. Petersburg, FL.
COOPERATION: A person may file suit against the CSO or CAB and the surety trustee for a violation of
Chapter 393 of the TFC. We agree to cooperate with you regarding our services and to provide such information
and documents as you reasonably request from time to time if you are making a claim against the surety

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account. A trustee is liable only for actual damages, reasonable attorneys' fees, and court costs awarded under
Section 393.503(a) of TFC. The aggregate liability of a trustee for a CSO or CAB's violation of the chapter may
not exceed the amount of the surety account. The surety account must be maintained until the second
anniversary of the date of which the CSO or CAB ceases operations.
UPDATE INFORMATION: You agree to notify us promptly of an address change or any material change in
your financial condition. You agree to furnish us such updated financial information and other information as
we may reasonably request from time to time.

CREDIT INFORMATION: You agree that we may obtain your credit report and that we may disclose your
credit information regarding the status and history of your agreement with us to others, including but not limited
to, credit bureaus, merchants, credit service organizations, lenders, and financial institutions, when necessary or
helpful in completing a transaction or when investigating a loss or potential loss. YOU UNDERSTAND THAT
YOUR FAILURE TO SATISFY YOUR OBLIGATIONS CAN RESULT IN NEGATIVE CREDIT
INFORMATION ABOUT YOU.

OTHER CHARGES: In the event that we do not receive payment of the CSO fee on or prior to the payment
date or we have to make payment under the credit enhancement (because you have failed to comply with your
payment obligations under the Installment Loan Agreement and Disclosures), to the extent permitted by law, you
agree to pay our reasonable attorneys' fees, together with all costs and disbursements, if your obligation is
referred to an attorney for collection, regardless of whether legal proceedings are actually filed. You agree that,
subject to applicable law, any overdue amounts you owe will bear simple interest at the rate of 8% per annum
from the date they were due.

PAYMENTS THAT ARE RETURNED: If a payment pursuant to this Credit Services Agreement is not
honored or is returned unpaid, you will owe us the amount of the payment, even if the Loan has been marked
paid. You agree to pay us a returned item fee of $25.00 for each check, Automated Clearing House ("ACH")
debit, electronic check, debit card, or similar payment device you provide to us for payment that is returned
insufficient funds or is otherwise unpaid.

PREPAYMENT: There is no penalty for prepaying your loan.

MILITARY PERSONNEL AND DEPENDENTS: The Company must comply, to the extent applicable, with
10 U.S.C. § 987 when extending credit to a covered member of the armed forces or a dependent of such a
member.

OFFICE OF THE CONSUMER CREDIT COMMISSIONER: The Company is licensed and regulated by
the Office of the Consumer Credit Commissioner. You may contact the Office of Consumer Credit
Commissioner using the following information:
2601 North Lamar Boulevard
Austin, TX 78705
(800) 538-1579
[Link]@[Link]
[Link]

PLACE OF BUSINESS: Company principal place of business: 233 3rd Street N, Suite 203, St. Petersburg, FL
33701. Our agent in Texas that is authorized to receive service of process is Northwest Registered Agent LLC
located at 5900 Balcones Drive, Suite 100, Austin, TX 78731.

ASSIGNMENT: We may transfer or assign any of our rights under this Credit Services Agreement in our sole
discretion. You may not transfer your rights under this Credit Services Agreement without our prior written

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consent.

REPORTING AND CREDIT INFORMATION: We may report information about you to consumer reporting
agencies, including late payments, missed payments, or other defaults under this Credit Services Agreement or
the Installment Loan Agreement and Disclosures, which may be reflected in your credit report. If you believe
that we have reported inaccurate information about you to a consumer reporting agency, please write to us at
233 3rd Street N, Suite 203, St. Petersburg, FL 33701 or reply@[Link] and provide information why
you believe it is inaccurate.

GOVERNING LAW: The Credit Services Agreement shall be construed in accordance with and governed by
federal law with respect to the Arbitration Agreement and the laws of the State of Texas, without giving effect to
any choice of law rule.

ENTIRE AGREEMENT: This Credit Services Agreement, the Credit Services Disclosure Statement provided
to you prior to your entering into this Credit Services Agreement, and the Jury Trial Waiver and Arbitration
Agreement are the sole agreements between you and us relating to the subject matter of this Credit Services
Agreement. No modification of this Credit Services Agreement shall be effective unless in writing and signed
by you and us. If any provision of this Credit Services Agreement is determined to be invalid or unenforceable,
such provision shall be reformed if practicable so as to achieve its intended purpose(s) and shall not in any way
affect the remaining provisions of this Credit Services Agreement.

Caution: The credit services provided hereunder and the Loan we are seeking to arrange for you are NOT
intended to meet your long-term financial needs. A Loan and credit services that we provide should only be used
to meet immediate short-term cash needs. Frequent or repeated use can create serious financial hardships.
Before entering into this Credit Services Agreement and the Installment Loan Agreement and Disclosures, you
should evaluate the costs and benefits of all alternatives, including a loan obtained directly from another lender
(without the assistance of a credit services organization or credit access business), a loan from a personal friend
or family member, a credit card cash advance, or a salary advance.

CONTACT PRIOR TO PERFORMING SERVICES AND RECEIVING MONEY: Before we agree to

provide credit services to you or you receive a loan, a representative may try to contact you at one or more of the
telephone numbers you provided on your loan application. We will provide credit services if and only if we are
able to verify the information in your loan application, including by making contact with you. If we are unable
to make contact with you, we may decline to provide credit services to you. You agree that you will be available
to speak with our agent at the telephone number(s) you provided and acknowledge that we have provided
disclosures to you based on your representations to us.

AUTHORIZATION TO VERIFY INFORMATION: You hereby authorize the Company to verify the
information contained in your loan application and other agreements through any available method or source,
including credit reporting services and access to banking account information to verify availability of funds and
your ability to pay, and that any information obtained may be shared with the Lender and other affiliates and
agents in accordance with the privacy policy.

JURY TRIAL WAIVER: YOU ACKNOWLEDGE THAT THERE IS A CONSTITUTIONAL RIGHT

TO TRIAL BY JURY, BUT IT MAY BE WAIVED UNDER CERTAIN CIRCUMSTANCES. TO THE
EXTENT PERMITTED BY LAW, YOU AND WE KNOWINGLY AND VOLUNTARILY WAIVE ANY
RIGHT TO TRIAL BY JURY IN THE EVENT OF LITIGATION ARISING OUT OF OR RELATED
TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT OR BE
INTERPRETED AS MODIFYING, IN ANY FASHION, THE SEPARATE ARBITRATION
AGREEMENT BETWEEN YOU AND US THAT WILL APPLY IF YOU DO NOT OPT-OUT OF THE
ARBITRATION AGREEMENT.

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YOU, THE BORROWER, MAY CANCEL THIS CONTRACT AT ANY TIME BEFORE MIDNIGHT
OF THE THIRD DAY AFTER THE CREDIT SERVICES AGREEMENT IS SIGNED. SEE THE
ATTACHED NOTICE OF CANCELLATION FORM FOR THE EXPLANATION OF THIS RIGHT.

Intending to be legally bound, Cash Lane Texas, LLC has caused this Credit Services Agreement to be signed
on its behalf.

CSO Signature:

BY SIGNING BELOW, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND
AGREE TO BE BOUND BY THE TERMS ABOVE AND THAT YOU HAVE RECEIVED OR WILL
RECEIVE CONCURRENTLY WITH THIS CREDIT SERVICES AGREEMENT: 1) A COPY OF THIS
CREDIT SERVICES AGREEMENT WITH ALL INFORMATION FILLED IN AND NO BLANK
SPACES; 2) A SEPARATE CREDIT SERVICES DISCLOSURE STATEMENT; 3) 2 NOTICES OF
CANCELLATION; 4) THE JURY TRIAL WAIVER AND ARBITRATION AGREEMENT; 5) THE
PRIVACY POLICY; AND 6) CONSENT TO CONTACT, ELECTRONIC DELIVERY OF
DISCLOSURES, AND ELECTRONIC SIGNATURES. IF YOU REJECT THE PROPOSED TERMS BY
NOT SIGNING, YOU WILL NOT BE PERMITTED TO OBTAIN CREDIT SERVICES.

Under the Federal E-Sign Act (E-Signature Act), the typing of your name along with your IP address and time
stamp is the same as you physically signing this document in person. Further, you have previously consented to
the use of e-signatures and electronic communications.

Borrower Signature: [sig|req|signer0]

Date: 08 / 05 / 2024
[date|req|signer0]

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 JURY TRIAL WAIVER AND ARBITRATION AGREEMENT

This Jury Trial Waiver and Arbitration Agreement ("Arbitration Agreement") is by and among Annabell Deleon
(“you” or “your”), MNS Capital LLC ("Lender"), and Cash Lane Texas, LLC ("we" or "us" or “CSO”). This
Arbitration Agreement applies to all of your Transaction Agreements, including but not limited to your loan
application, privacy policy, Consent to Contact, Electronic Delivery of Disclosures, and Electronic Signatures,
SMS (Text) Messaging Consent, Optional Revocable Payment Authorization, Optional Revocable Debit Card
Authorization, Disclosures, Installment Loan Agreement and Disclosures, and any other agreements or
transactions in connection with your loan application and your Loan (193614 on 2024-08-06), (collectively
"Transaction Agreements”).

WAIVER OF JURY TRIAL AND ARBITRATION: Arbitration is a process in which persons with a dispute:

(a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and

(b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to
the dispute has an opportunity to present evidence to the arbitrator. Pre-arbitration discovery may be limited. The
arbitrator will issue a final and binding decision resolving the dispute, which may then be enforced by a court
judgment. A court rarely overturns an arbitrator's decision. It is acknowledged and agreed that this arbitration is
intended to keep both parties’ costs down in the event of a disagreement and is a material inducement to the
parties to enter into this Agreement. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS:

1. DISPUTES. FOR PURPOSES OF THIS ARBITRATION AGREEMENT, THE WORDS "DISPUTE"

AND "DISPUTES" ARE GIVEN THE BROADEST POSSIBLE MEANING AND INCLUDE,
WITHOUT LIMITATION (A) ALL CLAIMS, DISPUTES, OR CONTROVERSIES ARISING FROM
OR RELATING DIRECTLY OR INDIRECTLY TO THE SIGNING OF THIS ARBITRATION
AGREEMENT, HOWEVER EXCLUDING THE VALIDITY AND SCOPE OF THIS ARBITRATION
AGREEMENT AND ANY CLAIM OR ATTEMPT TO SET ASIDE THIS ARBITRATION
AGREEMENT; (B) ALL FEDERAL OR STATE LAW CLAIMS, DISPUTES OR CONTROVERSIES,
ARISING FROM OR RELATING DIRECTLY OR INDIRECTLY TO YOUR LOAN, THE
INFORMATION YOU GAVE US BEFORE ENTERING INTO YOUR LOAN, AND/OR ANY PAST
AND/OR FUTURE CLAIMS OR DISPUTES BETWEEN YOU AND US; (C) ALL COUNTERCLAIMS,
CROSSCLAIMS, AND THIRD PARTY CLAIMS; (D) ALL COMMON LAW CLAIMS, BASED UPON
CONTRACT, TORT, FRAUD, OR OTHER INTENTIONAL TORTS; (E) ALL CLAIMS BASED UPON
A VIOLATION OF ANY STATE OR FEDERAL LAW; (F) ALL CLAIMS ASSERTED BY US
AGAINST YOU, INCLUDING CLAIMS FOR MONEY DAMAGES TO COLLECT ANY SUM WE
CLAIM YOU OWE US; (G) ALL CLAIMS ASSERTED BY YOU INDIVIDUALLY AGAINST US
AND/OR ANY OF OUR EMPLOYEES, AGENTS, DIRECTORS, OFFICERS, SHAREHOLDERS,
MANAGERS, MEMBERS, PARENT COMPANY, OR AFFILIATED ENTITIES (COLLECTIVELY
"RELATED THIRD PARTIES"), INCLUDING CLAIMS FOR MONEY DAMAGES AND/OR
EQUITABLE OR INJUNCTIVE RELIEF; (H) ALL CLAIMS ASSERTED ON YOUR BEHALF BY
ANOTHER PERSON; (I) ALL CLAIMS ASSERTED BY YOU AS A PRIVATE ATTORNEY
GENERAL, AS A REPRESENTATIVE AND MEMBER OF A CLASS OF PERSONS, OR IN ANY
OTHER REPRESENTATIVE CAPACITY, AGAINST US AND/OR RELATED THIRD PARTIES
("REPRESENTATIVE CLAIMS"); AND/OR (J) ALL CLAIMS ARISING FROM OR RELATING
DIRECTLY OR INDIRECTLY TO THE DISCLOSURE BY US OR RELATED THIRD PARTIES OF
ANY NONPUBLIC PERSONAL INFORMATION ABOUT YOU.

2. Waiver. You acknowledge and agree that by entering into this Arbitration Agreement:

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 A. YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE
ALLEGED;
B. YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN SMALL CLAIMS
COURT, RESOLVE ANY DISPUTE; and
C. YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A CLASS REPRESENTATIVE OR
PARTICIPATE IN A CLASS ACTION. ANY DISPUTE MAY NOT BE CONSOLIDATED WITH THE
DISPUTE OF ANOTHER PERSON.

3. CLASS WAIVER. EXCEPT AS PROVIDED BELOW, ALL DISPUTES AGAINST US AND/OR

RELATED THIRD PARTIES SHALL BE RESOLVED BY BINDING ARBITRATION ONLY ON AN
INDIVIDUAL BASIS WITH YOU. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT
CLASS ARBITRATION, THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A
REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER
REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION.

4. Notice and Choice of Arbitrator. Any party to a dispute, including related third parties, may send the other
party written notice by U.S. Certified Mail of their intent to arbitrate, along with the subject of the dispute and
the relief requested, even if a lawsuit has been filed. Regardless of who demands arbitration, you shall have the
right to select any of the following arbitration organizations to administer the arbitration: (a) the American
Arbitration Association (800-778-7879; [Link] or (b) JAMS (800-352-5267;
[Link] However, the parties may agree to select a local arbitrator who is an attorney, retired
judge, or arbitrator registered and in good standing with an arbitration association and arbitrate pursuant to such
arbitrator's rules. The party receiving notice of arbitration will respond in writing by U.S. Certified Mail within
20 days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have
selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you
must notify us within 20 days in writing by U.S. Certified Mail of your selected arbitration organization or your
desire to select a local arbitrator. If you fail to notify us, then we have the right to select an arbitration
organization. The parties to such dispute will be governed by the rules and procedures of such arbitration
organization applicable to consumer disputes to the extent those rules and procedures do not contradict the
express terms of your Transaction Agreements, including the limitations on the arbitrator herein. You may
obtain a copy of the rules and procedures by contacting the arbitration organizations listed above.

5. Arbitration Fees and Hearing. Regardless of who demands arbitration, at your request, we will advance
your portion of the arbitration expenses, including the filing, administrative, hearing, and arbitrator's fees
("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorneys' fees and
expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law
consistent with the Federal Arbitration Act ("FAA"), and applicable statutes of limitation, and shall honor claims
of privilege recognized at law. The arbitration hearing will be conducted in the county of your residence, or
within 30 miles from such county, or in such other place as mutually agreed by the parties or ordered by the
arbitrator. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a
motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration
proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If the arbitrator
renders a decision or an award in your favor resolving the dispute, then you will not be responsible for
reimbursing us for your portion of the Arbitration Fees, and we will reimburse you for any Arbitration Fees you
have previously paid. If the arbitrator does not render a decision or an award in your favor resolving the dispute,
then the arbitrator shall require you to reimburse us for the Arbitration Fees we have advanced, not to exceed the
amount which would have been assessed as court costs if the dispute had been resolved by a state court with
jurisdiction, less any Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator
shall provide a written explanation for the award. The arbitrator's award may be filed with any court having
jurisdiction.

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6. Small Claims Court Exception. All parties may ask a court of limited jurisdiction ("Small Claims Court") to
decide a Dispute that meets the requirements of the Small Claims Court so long as no party to the Small Claims
Court lawsuit seeks to recover damages beyond the jurisdiction of the Small Claims Court. If you file a Small
Claims Court lawsuit against us, then we lose the right to elect arbitration of your Dispute (but not of other
persons’ Disputes), however, you may not consolidate or join the claims of others. Any Dispute, which is outside
the jurisdiction of a Small Claims Court, shall be resolved by binding arbitration. Any appeal of a judgment from
a Small Claims Court shall be resolved by binding arbitration.

7. Interstate Commerce. This Arbitration Agreement is made pursuant to a transaction involving interstate
commerce and shall be governed by the FAA. If a final, non-appealable judgment of a court having jurisdiction
over this transaction finds, for any reason, that the FAA does not apply to this transaction, then our agreement to
arbitrate shall be governed by the arbitration law of the State of Texas.

8. Miscellaneous. This Arbitration Agreement is binding upon and benefits you, your respective heirs, and
successors and assigns and is binding upon and benefits us, our successors and assigns and related third parties.
This Arbitration Agreement continues in full force and effect, even if your Loan has been paid or discharged
through bankruptcy. In the event that any of this Arbitration Agreement is held unenforceable, the remainder of
the Arbitration Agreement shall be in full force and effect.

9. OPT-OUT PROCESS. You may choose to opt-out of and not be subject to this Arbitration Agreement. You
must notify us or Lender in writing within 60 days of the date of this Agreement at the following address: (a)
Cash Lane Texas, LLC, 233 3rd Street N, Suite 203, St. Petersburg, FL 33701; or (b) MNS Capital LLC, 2169
Andover Place, Hudson, OH 44236. Your written notice must include your name, address, transaction number,
phone number, the date of this Agreement, and a statement that you wish to optout of this Arbitration
Agreement. Your notice to opt-out will only apply to this particular transaction with us and not to subsequent or
previous transactions. No one may reject the Arbitration Agreement on your behalf. This is the only way you can
reject the Arbitration Agreement. Rejection of the Arbitration Agreement will not affect your right to credit, how
much credit you receive, or any contract term other than the Arbitration Agreement.

BORROWER SIGNATURE. Borrower’s signature below indicates Borrower’s confirmation that Borrower has
read and agrees to the terms, conditions, and acknowledgements noted above on this Agreement.

Under the Federal ESign Act (ESignature Act), the typing of your name along with your IP address and time
stamp is the same as you physically signing this document in person. Further, you have previously consented to
the use of esignatures and electronic communications.

Borrower Signature: [sig|req|signer0]

CSO Signature:

Lender Signature:

Date: 08 / 05 / 2024
[date|req|signer0]

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Should you wish to cancel, print out this page, and complete the Notice of Cancellation and return it to us. Keep
a copy of the Notice of Cancellation for your records.

NOTICE OF CANCELLATION

You may cancel this Credit Services Agreement, without any penalty or obligation, within 3 days after the
date the agreement is signed.

If you cancel, any payment made by you under this Credit Services Agreement will be returned within 10
days after the date of receipt of this notice by Cash Lane Texas, LLC.

To effectively cancel this Credit Services Agreement, mail or deliver a signed dated copy of this
cancellation notice, or other written notice, to the following address, not later than midnight 3 days after
08 / 05 / 2024
[date|req|signer0].

Cash Lane Texas, LLC

233 3rd Street N
Suite 203
St. Petersburg, FL 33701

I hereby cancel this transaction.

Borrower Signature:

Date:

NOTICE: SEE ALL PAGES FOR IMPORTANT INFORMATION.

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Should you wish to cancel, print out this page, and complete the Notice of Cancellation and return it to us. Keep
a copy of the Notice of Cancellation for your records.

NOTICE OF CANCELLATION

You may cancel this Credit Services Agreement, without any penalty or obligation, within 3 days after the
date the agreement is signed.

If you cancel, any payment made by you under this Credit Services Agreement will be returned within 10
days after the date of receipt of this notice by Cash Lane Texas, LLC.

To effectively cancel this Credit Services Agreement, mail or deliver a signed dated copy of this
cancellation notice, or other written notice, to the following address, not later than midnight 3 days after
08 / 05 / 2024
[date|req|signer0].

Cash Lane Texas, LLC

233 3rd Street N
Suite 203
St. Petersburg, FL 33701

I hereby cancel this transaction.

Borrower Signature:

Date:

NOTICE: SEE ALL PAGES FOR IMPORTANT INFORMATION.

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 INSTALLMENT LOAN AGREEMENT AND DISCLOSURES

Loan No.: 193614 Loan Date: 2024-08-06

LENDER: MNS Capital LLC BORROWER: Annabell Deleon
2169 Andover Place 406 E OAK AVE
Hudson, OH 44236 COMANCHE, Texas
76442
Soc. Sec. Number: xxx - xx - 1476
CSO/CAB: Cash Lane Texas, LLC
233 3rd Street N
Suite 203
St. Petersburg, FL 33701
reply@[Link]
888-729-4929

In this Installment Loan Agreement (“Agreement”) the words “you” and “your” mean each customer
("BORROWER") so named below. The words “we,” “us,” and “our” mean MNS Capital LLC, which is the
“LENDER” in this transaction. Cash Lane Texas, LLC shall mean a third-party credit service organization and
credit access business (“CSO” or "Company"), which is a separate entity not affiliated with Lender that has
provided a credit enhancement ("CE") and certain credit and other services in connection with this transaction.
The ANNUAL PERCENTAGE RATE and FINANCE CHARGE stated below are based on an estimate that
Loan funds will reach your account on the projected funding date set forth above. Banking delays or holidays or
delays in making contact with you to verify the information you have provided to us may cause the Loan funds
to reach your account later.

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 FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT

ANNUAL AMOUNT TOTAL OF

FINANCE CHARGE
PERCENTAGE RATE FINANCED PAYMENTS

The amount of credit The amount you will have

The cost of your credit as a The dollar amount the credit
provided to you on paid after you have made
yearly rate. will cost you.
your behalf. all payments as scheduled.

448.56% $729.06 $461.81 $1,190.87

PAYMENT SCHEDULE

No. Date Amount No. Date Amount No. Date Amount

1 3 Sep 2024 $198.48 3 1 Nov 2024 $198.48 5 3 Jan 2025 $198.48
2 3 Oct 2024 $198.48 4 3 Dec 2024 $198.48 6 3 Feb 2025 $198.47

SECURITY: This loan is secured by CE and, if provided, the "Optional Revocable Payment Authorization."

LATE PAYMENT: If a payment is 10 days late, you may be charged 5.00% of the unpaid portion of the
payment or $7.50, whichever is greater.

PREPAYMENT: If you pay off the Loan early, you will not be charged a penalty, and you will be entitled to
a recalculation of the unearned (1) finance charge; and (2) CSO fee.

See the following pages for additional information about contract terms, nonpayment, and default.

Borrower Signature: [sig|req|signer0]

Date: 08 / 05 / 2024
[date|req|signer0]

Itemization of the Amount Financed: Itemization of the Total Finance Charge of: $729.06

1. Amount paid directly to you: $130.00 1. Interest Charge: $16.42

2. Amount paid on previous loan: $331.81 2. Other Finance Charges: $712.64

3. Total Amount Financed $461.81 3. Total Finance Charge: $729.06

RATES: The Annual Percentage Rate ("APR") on this loan is 448.56%. The Interest Rate on this loan is 9.99%
per annum, which is based on the assumption that you will pay the scheduled payments on the payment dates,
and the Interest Rate is not the same as the APR which is referenced above.

PROMISE TO PAY: You Promise to pay to Lender, the principal sum of $461.81 plus interest at the Interest
Rate referenced above per annum until the loan is paid in full. The payment amounts set forth in the
payment/amortization schedule also include fees you have agreed to pay to the CSO. You have agreed to pay
CSO fees to the CSO to ensure that a credit enhancement securing this loan remains in good standing until you

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repay the loan in full.

PAYMENTS: Payments received and credited towards this Loan shall be applied first to interest, then to CSO
fee, and then to principal. Interest after maturity shall, whether by acceleration, default, or otherwise, be due and
paid at a rate of 8% per annum until principal is paid. If applicable, we will debit your account pursuant to the
Optional Revocable Payment Authorization if you fail to make a payment set forth in the payment schedule.
Please note that Cash Lane Texas, LLC is a CSO that is not owned or affiliated by ownership with us and does
not have authority to make or renew loans. If an overpayment is received or an unlawful excess occurs, we will
apply it as a credit or refund it, and the amount involved will automatically be reduced to the maximum lawful
rate amount.

NOTICE: This loan is not intended to meet long-term financial needs. This loan should only be used to meet
immediate short term cash needs. Renewing the loan rather than paying the debt in full when due will require the
payment of additional charges.

CANCELLATION OF CSO CONTRACT: This Loan is secured by a third-party credit enhancement ("CE")
provided by the CSO. If you fail to pay or otherwise perform, the Lender may call this Loan due without notice
and exercise our remedies under this Agreement, including requesting the payment under the CE. You may
repay the principal amount of this loan within 3 days after the Credit Services Agreement is signed in full
satisfaction of your obligations hereunder. Upon such repayment, you will not owe any interest or fees.
Otherwise, if you cancel the Credit Services Agreement, except within this cancellation period of 3 days after the
Credit Services Agreement is signed, and cause the CE to be cancelled, this Loan will be immediately due.
Lender will initiate an automated clearing house ("ACH") or debit entry to your account for payment in full, less
any unearned charges, in accordance with the Optional Revocable Payment Authorization, without notice of
acceleration or any other notice. If you prepay at any time, there is no prepayment penalty.

PAYMENT OF THE CREDIT SERVICE ORGANIZATION FEE AND TRUTH-IN-LENDING: In

connection with the CSO fees, which may include such fees for loan brokerage, providing and maintaining a
credit enhancement and other credit services, you acknowledge that you have a separate contract with the CSO
to provide brokerage, credit enhancement, and other credit services. You understand that the fees paid to the
CSO are separate from payment to the Lender, however, both these fees will typically be collected in a single
payment or ACH debit. Please note that the finance charge disclosure includes not only the interest charged by
the Lender but also the CSO fee to be paid to the CSO as set forth in the amortization/payment schedule. Please
be advised that even though we have included the CSO fee in the Federal Truth In Lending Disclosures for
purposes of federal law disclosures, you acknowledge, understand, and agree that you have contracted with the
Company to provide services in connection with this transaction, and the Company, not the Lender, retains the
CSO fees. You further understand that the CSO fees are for separate services and not interest for purposes of
Texas law. You understand that the CSO fees, as set forth on the payment schedule, must be paid by you to the
CSO, and you are instructing and authorizing the Lender to include these amounts in any ACH debits or other
payments that you make. No interest, charge, or receipt by us is intended to exceed lawful amounts. If an
unlawful excess occurs, we will apply it as a credit or otherwise refund it, and the rate or amount involved will
automatically be reduced to the maximum lawful rate or amount. To the extent permitted by law, for purposes of
determining our compliance with the law, we may calculate charges by amortizing, allocating, or prorating.

DEFAULT, CREDIT ENHANCEMENT, AND ASSIGNMENT: You will be in default under this Agreement
if you do not timely pay any amount owing hereunder. If you are in default and if you fail to pay any of the
scheduled payments under the terms of this Agreement or are otherwise in default as defined in this Agreement,
Lender may declare the entire balance outstanding and owed under the Agreement as immediately due without
notice to you. If you fail to make the final installment payment, you understand that any interest will continue to
accrue on any remaining unpaid balance at the default interest rate until the loan is paid in full or until entry of

Doc ID: 950986c9f26bf68913a423579d072f3317f5efa8

judgment. After the entry of judgment, interest will accrue at the maximum amount allowed by law. We may
assign or transfer this Agreement or any of our rights in this Agreement.

CALCULATION OF INTEREST AND APPLICATION OF INTEREST: Interest is computed by dividing

the annual Interest Rate by 365, multiplying that number by the principal balance, and then multiplying by the
number of the days principal balance is outstanding. Interest is not compounded. The Interest Rate disclosed on
the payment schedule has been calculated based on the assumption that you will pay all installments on the
scheduled payment date. If you miss a payment or make a late payment, you will owe additional interest. Both
the interest and the CSO fee are included as finance charges in the APR.

ADDITIONAL CHARGES FOR DELINQUENT PAYMENT: You agree that, in the event you default in
performing any of your obligations under this Agreement, you are responsible for paying all lawful collection
costs associated with your default, including court costs and reasonable attorneys' fees.

RETURNED CHECK FEE: You agree to pay Lender the amount of $25.00 if any check, debit card, or ACH
payment is returned to us or is unpaid by your financial institution.

PREPAYMENT: You have a right to prepay this loan in full by cash, renewal, or refinancing, and you will
receive credit for the total applicable unearned finance charge and unearned CSO fees for installments following
the date of the payment.

GOVERNING LAWS: The Agreement shall be construed in accordance with and governed by federal law with
respect to the Arbitration Agreement and the laws of the State of Texas, without giving effect to any choice of
law rule.

WAIVER: No waiver of your or our rights is effective unless in writing. No written waiver for any one situation
shall apply to any other situation. If either you or we fail to exercise or delay in exercising any right or remedy,
this will not constitute a waiver of that or any other right or remedy.

LIMITATION ON LIABILITY: You hereby agree that for any legal or equitable remedy or proceeding of any
kind, which is prosecuted or filed by you or on your behalf and that arises out of or is associated with this
Agreement, your sole recourse will be against the Lender and not against any individual officers, directors, or
shareholders.

CONSUMER REPORTS: You authorize us to obtain consumer reports and acknowledge and agree that we
may report information to others, including but not limited to credit bureaus, other credit service organizations,
lenders, and financial institutions, prior to issuing a loan under this Agreement and at any time that you owe us
money under this or any other loan agreement. YOU UNDERSTAND THAT YOUR FAILURE TO SATISFY
YOUR OBLIGATIONS CAN RESULT IN NEGATIVE CREDIT INFORMATION ABOUT YOU. LATE
PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE
REFLECTED IN YOUR CREDIT REPORT. To the extent permitted by law, you waive any privacy claims
against the Lender. Your loan application will remain property of the Lender.

NOTICE AND WAIVERS: To the extent permitted by law, you waive notice of nonpayment, notice of
intention to accelerate, notice of acceleration, and presentment and notice of dishonor. To the extent provided by
law, you waive any delay in enforcing our rights without losing them, and we are not required to file suit to show
diligence in collection against you. The Lender may release liability against you without changing the liability of
others or sue or release any persons obligated under this Agreement without suing or releasing others. The
Lender may renew or extend the indebtedness to one party without affecting the rights of any other borrower.

Doc ID: 950986c9f26bf68913a423579d072f3317f5efa8

ACCEPTANCE OF PARTIAL PAYMENTS: We do not have to accept partial payments. If Lender chooses
to accept a partial payment, this acceptance shall not, in any manner, modify the terms of the Agreement and
such acceptance shall not be construed as a waiver of any subsequent defaults or amounts owed.

RIGHT TO OFFSET: You agree that the amount financed and any finance charges plus additional and
collections charges or any portion thereof may be deducted from any ACH payment, check, or debit card.

COMPLIANCE WITH LAWS: No part of this Agreement, nor any charge or receipt by Lender, shall permit
Lender to impose an interest rate in excess of applicable laws. For purposes of compliance with Texas law, you
understand that this Agreement complies with Sec. 302.001 of the TFC. In no event may the interest exceed a
rate of 10% per annum. If such event occurs, the Lender will apply such excess as a credit or will refund such
excess, and the interest rate will automatically be reduced to the maximum rate allowable under the law.

ENTIRE AGREEMENT: This Agreement constitutes the entire agreement of the parties, and to the extent
permitted by law, no modification or amendment shall be effective unless it is in writing and signed by the
parties.

SEVERABILITY: If any provision of this Agreement or the application of any provision of this Agreement is
determined to be invalid, unenforceable, or void, the remaining provisions of the Agreement shall remain in full
force and effect.

SECURITY: Because applicable law is inconclusive on whether our interest in the Optional Revocable Payment
Authorization you authorized is a "security interest," we have disclosed to you that our interest in the Optional
Revocable Payment Authorization that you authorized is a "security interest" for purposes of Federal Truth in
Lending Act disclosures. However, the parties do not intend to create a security interest for any purpose.

OUR RIGHT TO CONTACT YOU: We reserve the right to contact you regarding your account status and
changes to privacy policy or any other policies or agreements relevant to you and/or your Loan.

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Please note that the Transaction Agreements contain a binding Jury Trial Waiver and Arbitration Agreement.
By signing this Agreement you acknowledge and agree: (1) that this Agreement is made under Section
302.001 of the Texas Finance Code at a rate of interest not greater than 10% per annum; (2) that the fee paid
to the CSO for arranging financing and providing the Credit Enhancement is not interest for purposes of
Texas law; (3) that the Agreement was filled in before you signed and that you have received a completed
copy of it; and (4) that the information you provided us prior to entering into this Agreement is accurate. You
represent that you are not a debtor under any proceeding in bankruptcy and do not intend to file a petition for
relief under the U.S. Bankruptcy Code while this loan is outstanding or within 121 days. You also make the
following material representations to us: (i) that you are solvent and are generally paying debts as they come
due; (ii) you consent to the release of your nonpublic, personal information; and (iii) you represent that your
bank account is a legitimate, open, and active account. You further acknowledge you have read, understand,
and agree to all of the terms of the Agreement.

Under the Federal ESign Act (ESignature Act), the typing of you name along with your IP address and time
stamp is the same as you physically signing this document in person. Further, you have previously consented to
the use of esignatures and electronic communications.

Borrower Signature: [sig|req|signer0]

Lender Signature:

CSO Signature:

Date: 08 / 05 / 2024
[date|req|signer0]

Doc ID: 950986c9f26bf68913a423579d072f3317f5efa8

 AMORTIZATION SCHEDULE

Borrower Name: Annabell Deleon Contract Date: 2024-08-06

Loan No.: 193614 Loan Amount: $461.81

No. Date Amount PrincAlloc FeeAlloc FeeDue Balance

1 3 Sep 2024 $198.48 $31.47 $3.53 $163.48 $430.34
2 3 Oct 2024 $198.48 $42.17 $3.54 $152.77 $388.17
3 1 Nov 2024 $198.48 $57.60 $3.08 $137.80 $330.57
4 3 Dec 2024 $198.48 $78.24 $2.89 $117.35 $252.33
5 3 Jan 2025 $198.48 $106.77 $2.14 $89.57 $145.56
6 3 Feb 2025 $198.47 $145.56 $1.24 $51.67 $0.00

Borrower Initials: [initial|req|signer0]

PLEASE NOTE YOU HAVE SEVERAL REPAYMENT OPTIONS, HOWEVER, FOR

CONVENIENCE, WE RECOMMEND THE PAYMENT OPTION BELOW WHICH WILL
AUTHORIZE US TO DEBIT YOUR ACCOUNT FOR REGULARLY SCHEDULED PAYMENTS AS
SET FORTH BELOW.

OTHER PAYMENT OPTIONS:

ONLINE PORTAL PAYMENTS;

CALL IN PAYMENTS ON YOUR DUE DATES; OR

MAIL IN MONEY ORDER/BANK CHECK.

IF YOU PREFER NOT TO SET UP CONVENIENT PAYMENT OPTION BELOW, PLEASE CONTACT US AT
888-575-1288 TO SET UP ONE OF THE ALTERNATIVE PAYMENT OPTIONS OR PROCEED TO END OF
THE DOCUMENT AND CLICK CONTINUE AND DO NOT SIGN BELOW. A REPRESENTATIVE WILL
CONTACT YOU.

Doc ID: 950986c9f26bf68913a423579d072f3317f5efa8

 OPTIONAL REVOCABLE AUTHORIZATION FOR ELECTRONIC PAYMENTS, ELECTRONIC
TRANSFERS, ACH, REMOTELY CREATED CHECKS, REMOTELY CREATED PAYMENT
ORDERS (“OPTIONAL REVOCABLE PAYMENT AUTHORIZATION”)

You, Annabell Deleon, authorize Cash Lane Texas, LLC ("Company"), its agent, successor, or assigns to initiate
preauthorized debit entries or Automated Clearing House (“ACH”) entries, including but not limited to debit
entries, debit card entries remotely created checks, remotely created payment orders, demand drafts, bank
checks, bank drafts, or similar payment device, to any account that you place on file with the Company or
indicated at the designated depository financial institution below ("Depository"), for the scheduled payment
amounts as listed in the Payment Schedule below or in accordance with your obligations under the Installment
Loan Agreement and Disclosures, which is hereby incorporated into this authorization ("Payment
Authorization"). You choose the convenience of having your loan payments under the Installment Loan
Agreement and Disclosures made automatically from your account. You acknowledge that this Authorization is
not a condition of the loan.

DISCLOSURES: THIS AUTHORIZATION IS VOLUNTARY AND IS NOT REQUIRED TO OBTAIN THIS

LOAN I ACKNOWLEDGE THAT THIS AUTHORIZATION IS NOT A CONDITION OF THE LOAN.

PAYMENT SCHEDULE
No. Date Amount No. Date Amount No. Date Amount
1 3 Sep 2024 $198.48 3 1 Nov 2024 $198.48 5 3 Jan 2025 $198.48
2 3 Oct 2024 $198.48 4 3 Dec 2024 $198.48 6 3 Feb 2025 $198.47
BANK ACCOUNT INFORMATION: DEBIT CARD INFORMATION:
Bank Name: MILLS COUNTY STATE BANK Name on Debit Card: Annabell Deleon
Bank Account No.: 32061192 Card No.: 1188
Routing No.: 111906747

This authorization is to remain in full force and effect until Company has received written notification from
Annabell Deleon of its termination a reasonable time prior to the next due date of the debit authorized by this
Payment Authorization.

You guarantee and warrant that you are the legal debit cardholder/duly authorized check signer on the
above account(s), and that you are legally authorized to enter into this Payment Authorization.
You agree to notify Company in writing of all changes to the account(s), including termination of
authority in reasonable time prior to the next due date of the debit authorized by this Payment
Authorization.
For notification purposes, all notices of termination or account changes must be sent as certified mail to
Company at Cash Lane Texas, LLC at 233 3rd Street N, Suite 203, St. Petersburg, FL 33701.
You acknowledge that you have entered into an Installment Loan Agreement and Disclosures as of today's
date. You hereby authorize the Company to withdraw any amounts due as set forth in the Installment Loan
Agreement and Disclosures due from your account. If you default on your loan or there is a balance due
after the scheduled final due date of the loan, you authorize the Company to continue to debit your
account(s) until the unpaid balance is paid in full. While you are authorizing the Company to debit your
account(s), Company is under no obligation to do so.

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 You agree that all notifications, including notices of account termination or account changes, must be in
writing and submitted to Company in a reasonable time in advance of the next debit. You agree to pay a
$25.00 charge if a check or ACH is returned unsatisfied as provided under Texas Law.
Pre-Payments. You may pay off your loan at any time and there is no prepayment penalty. If you make a
payment in full of the amounts due of any installment or your entire loan balance no less than 3 business
days before the scheduled payment date, we will use commercially reasonable efforts to stop the automatic
debit for that period.
Alternative method of payment. If any ACH transaction or other payment method is unable to be
processed, comes back as insufficient funds, or the account is closed, you authorize the Company to use
any alternative method of payment that you have provided.
You authorize the Company to initiate debit entries on the payment dates set forth above as well as any
deferred or extended payment dates and to reinitiate the debit entries up to two times per debit to the
extent permitted by applicable state law, in accordance with the payment schedule and the terms of your
Installment Loan Agreement and Disclosures.

The Company is informing you of the right to receive notice of all varying transaction amounts upon request.
Absent such request, you understand the Company will only notify you if, 10 days prior to any given transfer
amount, the amount to be transferred varies by more than $75.00 from your regularly scheduled [Link]
understand that you have the right to revoke this Payment Authorization at any time by sending a written notice
to the Company. PLEASE NOTE THAT YOU ARE NOT REQUIRED TO AGREE TO THIS
AUTHORIZATION IN ORDER TO OBTAIN A LOAN FROM US. IF YOU WISH TO DISCUSS OTHER
PAYMENT METHODS THAT ARE AVAILABLE, DO NOT SIGN BELOW AND GIVE US A CALL AT
888-729-4929. This Payment Authorization is for your convenience. By signing below, you agree to payment via
this Payment Authorization. You acknowledge that you are voluntarily choosing to pay electronically, that you
have received a copy of the Payment Authorization, and that you are choosing only to receive notice of varying
amounts of debits only when a debit exceeds the range specified above. You also authorize us to verify all the
information that you have provided on your Loan application or otherwise to us. If there is any missing or
erroneous information in or with the information that you have provided to us in the Loan application regarding
your bank, bank routing and transit number, or account number, then you authorize us to verify and correct such
information. You agree that this Payment Authorization is subject to the approval of the Installment Loan
Agreement and Disclosures.

Borrower Name: Annabell Deleon

Loan Number: 193614

Under the Federal ESign Act (ESignature Act), the typing of your name along with your IP address and time
stamp is the same as you physically signing this document in person. Further, you have previously consented to
the use of e-signatures and electronic communications.

Borrower Signature: [sig|req|signer0]

CSO Signature:

Date: 08 / 05 / 2024
[date|req|signer0]

Doc ID: 950986c9f26bf68913a423579d072f3317f5efa8

 OPTIONAL REVOCABLE ELECTRONIC FUND TRANSFER AND DEBIT CARD
AUTHORIZATION (“DEBIT CARD AUTHORIZATION”)

You, Annabell Deleon, hereby voluntarily authorize Cash Lane Texas, LLC our agents, successors, or assigns, to
initiate preauthorized debit card transactions, for debit entries to your bank account or debit card (collectively,
your "Account") in accordance with the payment schedule and in accordance with your obligations under your
Installment Loan Agreement and Disclosures, which is hereby incorporated into this Debit Card Authorization.
All terms herein shall have the same meaning as in your Installment Loan Agreement and Disclosures. You
acknowledge this Debit Card Authorization is being signed in accordance with the Electronic Signatures in
Global and National Commerce Act (ESign) and that you have received notice of Electronic Disclosures as part
of your Loan Agreement.

Issuer / Issuing Bank: MILLS COUNTY STATE BANK

Card No.: 1188

PAYMENT SCHEDULE
No. Date Amount No. Date Amount No. Date Amount
1 3 Sep 2024 $198.48 3 1 Nov 2024 $198.48 5 3 Jan 2025 $198.48
2 3 Oct 2024 $198.48 4 3 Dec 2024 $198.48 6 3 Feb 2025 $198.47

If application for credit is approved and the Intallment Loan Agreement and Disclosures is signed and
accepted, resulting in a loan to you, we will use commercially reasonable efforts to deposit the loan
proceeds into your Account on 2024-08-06 ("Disbursement Date"), however, unavoidable delays may
result due to internet connectivity, inadvertent processing errors, and/or acts of God which may extend the
time for the deposit. You authorize us to initiate debit entries on the payment dates set forth above as well
as any deferred, extended, or default payment dates, and to reinitiate the debit entries up to two times per
debit to the extent permitted by applicable state and federal law, in accordance with the payment schedule
and the terms of your Installment Loan Agreement and Disclosures. If any payment date falls on a
Saturday, Sunday, or bank holiday, your payment will be deducted on the previous business day unless
otherwise designated. Please note that you have the right to receive notice of all electronic funds transfers
from your Account that vary in amount from the payment schedule, and that by signing this Debit Card
Authorization, you acknowledge that we have elected to offer you a range of amounts for debit entries
(instead of providing you with notice of each electronic funds transfer that varies in amount). The range of
each debit will be between the payment amount as listed above. For any amount outside of this specified
range, we will send you a notice before initiating such debit. In the event of overpayment, we will
promptly refund any such overpayment to your Account.
If you make a payment of the full amount due of any installment or your entire loan balance no less than 3
business days before the scheduled payment date, we will use commercially reasonable efforts to stop the
automatic debit for that period. You may pay off your loan at any time, and there is no prepayment
penalty. Partial prepayments made in accordance with the terms of your Installment Loan Agreement and
Disclosures shall be applied to reduce principal on the date received.
If any debit is returned unpaid, in accordance with the terms of your Installment Loan Agreement and
Disclosures, you authorize us to make an electronic funds transfer/debit entry from Your Account to
collect an nonsufficient funds ("NSF") fee of $25.00. Any improperly charged NSF fee will be returned to
you.
The term of this Debit Card Authorization shall remain in effect until your loan is paid in full or it is
revoked by you or us. If you default on your loan, or there is a balance remaining after the scheduled final
due date of the loan, you authorize us to continue to debit your Account until the unpaid balance is paid in
full. While you are authorizing us to continue these debits, we are under no obligation to do so.

Doc ID: 950986c9f26bf68913a423579d072f3317f5efa8

 You understand and acknowledge that you may revoke the Debit Card Authorization by notifying us in
writing in a time and manner as to afford us and your bank a reasonable opportunity to act on it. We may
also revoke this Debit Card Authorization at any time by written notice to you. In the event the Debit Card
Authorization is revoked, you are still responsible for payments due under your Installment Loan
Agreement and Disclosures. You may revoke the Debit Card Authorization by email to
reply@[Link] or by mail to Cash Lane Texas, LLC, 233 3rd Street N, Suite 203, St. Petersburg,
FL 33701. Please include your loan number.
If any debit card transaction comes back as insufficient funds, any alternate method of payment you have
provided to us may be used.

PLEASE NOTE THAT YOU ARE NOT REQUIRED TO AGREE TO THIS DEBIT CARD
AUTHORIZATION IN ORDER TO OBTAIN A LOAN FROM US. IF YOU WISH TO DISCUSS OTHER
PAYMENT METHODS THAT ARE AVAILABLE DO NOT CLICK THE "I AGREE" BUTTON BELOW
AND GIVE US A CALL AT 888-729-4929.

This Debit Card Authorization is for your convenience. By (e)signing below you agree to payment via this Debit
Card Authorization, you acknowledge that you are voluntarily choosing to pay electronically, that you have
received a copy of this Debit Card Authorization, and that you are choosing only to receive notice of varying
amounts of debits only when a debit exceeds the range specified above. You also authorize us to verify all of the
information that you have provided on your Application or otherwise to us. If there is any missing or erroneous
information in or with the information that you have provided to us in the Application regarding your bank, bank
routing and transit number, or account number, then you authorize us to verify and correct such information.
You agree that this Debit Card Authorization is subject to the approval of the Installment Loan Agreement and
Disclosures.

Under the Federal ESign Act (ESignature Act), the typing of your name along with your IP address and time
stamp is the same as you physically signing this document in person. Further, you have previously consented to
the use of e-signatures and electronic communications.

Borrower Signature: [sig|req|signer0]

CSO Signature:

Date: 08 / 05 / 2024
[date|req|signer0]

[def:$im|check|req1|signer0] [def:$to|check|req1|signer0]

Doc ID: 950986c9f26bf68913a423579d072f3317f5efa8

 Contract for Loan 193614
loan-193614-2024_08_05_07_47_05.pdf
950986c9f26bf68913a423579d072f3317f5efa8
MM / DD / YYYY
Signed

This document was signed on [Link]

08 / 05 / 2024 Sent for signature to Annabell Deleon

19:47:23 UTC (annabelldeleon@[Link]) from [Link]@[Link]
IP: [Link]

08 / 05 / 2024 Viewed by Annabell Deleon (annabelldeleon@[Link])

19:47:28 UTC IP: [Link]

08 / 05 / 2024 Signed by Annabell Deleon (annabelldeleon@[Link])

20:01:56 UTC IP: [Link]

08 / 05 / 2024 The document has been completed.

20:01:56 UTC