DEBIT AUTHORIZATION (FreedomCashLenders)

Transcription

1 DEBIT AUTHORIZATION (FreedomCashLenders) READ VERY CAREFULLY BEFORE SIGNING. EXECUTION OF THIS DOCUMENT IS NOT REQUIRED TO OBTAIN A LOAN FROM US. PLEASE REFER TO THE TERMS OF THE AGREEMENT TO DETERMINE OTHER REPAYMENT OPTIONS. DEBIT AUTHORIZATION: You hereby voluntarily authorize us, and our successors and assigns, to initiate an automatic credit and debit entry to Your Bank Account as described below: YOUR BANK ACCOUNT INFO: Name Cassandra Greer Bank Name: BEVERLY BANK TRUST CO. N.A. Address 3900 N CHRISTIANA Transit ABA Number: City, State Zip: Chicago, IL Checking Account Number: This Debit Authorization is a part of and relates to the Loan Agreement dated 03/30/2017 (the Loan Agreement"). The words "you", "your" and "I" mean the borrower who has electronically signed it. The words "we", "us" and "our" mean FreedomCashLenders ( Lender ), a licensed lender of consumer loans regulated by. You hereby voluntarily authorize us, and our successors and assigns, to initiate automatic credit and debit entries to Your Bank Account in accordance with the Loan Agreement. You agree that we will initiate a credit entry to Your Bank Account for the Amount Financed on or about the disbursement date of your Loan proceeds. You authorize us to make automatic debit payments from your account by both ACH (Automatic Clearing House) or by RCC (Remotely Created Check). RCC debits are also known as demand drafts, telechecks, preauthorized drafts, or paper drafts. You also authorize us to initiate a debit entry to Your Bank Account for: (a) each payment due on its payment due date, as set forth in the Payment Schedule (provided above); and (b) for any accrued Returned Payment (NSF) charges or Late Payment Fees, as described in the Loan Agreement. You agree that we may re-initiate a debit entry for the same amount two additional times if the debit entry is dishonored or payment is returned for any reason. The Debit Authorizations set forth in the Loan Agreement are to remain in full force and affect for this transaction until your indebtedness to us for the Total of Payments, plus any other charges or fees incurred and described in the Loan Agreement, is fully satisfied or revoked by you pursuant to this Authorization. You may only revoke the above authorizations by contacting us directly. If you revoke your authorization, you agree to provide us with another form of payment acceptable to us and you authorize us to prepare and submit one or more checks drawn on Your Bank Account so long as amounts are owed to us under the Loan Agreement. You agree, upon request, to furnish us with full details regarding any debit cards which you possess, and authorize us to use such debit cards to debit you with any amounts owed to us under this Loan Agreement. If a payment is returned unpaid, you authorize us to make a one-time debit entry from Your Bank Account to collect a fee of $ You voluntarily authorize us, and our successor and assigns, to initiate a debit entry to Your Bank Account for payment of this fee. You further authorize us to initiate debit entries as necessary to recoup the outstanding loan balance whenever a debit transaction is returned to us for any reason. You understand and agree that this Debit Authorization is provided for your convenience, and that you have authorized repayment of your loan by ACH or RCC debits voluntarily. You agree that you may repay your indebtedness through other means, including by providing timely payment via cashiers check or money order directed to: FreedomCashLenders, P.O. Box 637, Finley, CA Payments must be received before the payment due date. You authorize us to verify all of the information that you have provided, including past and/or current information. You agree that the Debit Authorization herein is for repayment of an installment loan and that these entries will appear as described in the Agreement. If there is any missing or erroneous information in this authorization regarding your bank, bank routing and transit number, or account number, then you authorize us to verify and correct such information. If your payment is returned to us by your financial institution due to insufficient funds or a closed account, you agree that we may recover court costs and reasonable attorney's fees incurred by us. Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: Call us at , or write us at P.O. Box 637, Finley, CA 95453, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. (We will charge you $20.00 for each stop-payment order you give.) Notice of varying amounts. We will provide notice to you if the payment due exceeds the total of payments and fees due to us. Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Signature: Cassandra Greer Date: 3/29/2017

2 FreedomCashLenders PROMISSORY NOTE AND DISCLOSURE STATEMENT LOAN AGREEMENT Account No Effective Date: 03/30/2017 LENDER: FreedomCashLenders BORROWER: Cassandra Greer P.O. Box 637 Finley, CA N CHRISTIANA Chicago, IL PHONE: PHONE: cassy.greer84@gmail.com ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate FEDERAL TRUTH IN LENDING DISCLOSURES FINANCE CHARGE Amount Financed Total of Payments The dollar amount the credit will cost me The amount of credit provided to me The amount I will have paid after all payments are made as scheduled % $ $ $ PAYMENT SCHEDULE Your Payment Schedule will be: No. of Payments Amount of Payments When Payments are Due 16 $ $ $ /31/2017 Late Charge:If Your payment is more than ten (10) calendar days late, You will be charged a fee of 5% of the amount of the overdue payment. Prepayment: If You pay off early, You will not be charged a penalty. See the terms of the Loan Agreement below for any additional information about nonpayment, default, any required repayment in full before the scheduled payment date, and prepayment refunds. Amount Financed: $ Amount Paid to You Directly: $ ITEMIZATION OF AMOUNT FINANCED In this Promissory Note & Disclosure Statement ("Note"), the words "We," "Us," "Our" and Lender refer to FreedomCashLenders. The words "You" and "Your" refer to the person electronically signing this note and referred to as "Borrower" above. The Truth-in-Lending Disclosures above are part of the terms and conditions of Our Agreement. FOR VALUE RECEIVED, You promise to pay to the order of FreedomCashLenders the sum of $ , together with interest calculated at % per annum and any outstanding charges or late fees, until the full amount of this note is paid. You promise to pay us each payment due no later than the Payment Due Date set forth above. Payments may be made via Debit Authorization (provided below) or sent to us in the form of a money order of certified check to: P.O. Box 637 Finley, CA Right to Verify Information and Cancel Funding: We reserve the right to verify the accuracy of all information provided by the Borrower in connection with this Loan Agreement. We also reserve the right to determine in our sole discretion whether a Borrower is using, or has used, the application process and data submitted with the application illegally or for purposes of fraud or deception, or otherwise in a manner inconsistent with the Terms and Conditions or any agreement between Lender and such user. We may conduct our review at any time before the funding of a loan. You agree to respond promptly to our requests for information in connection with any such review by us. We reserve the right to cancel your application and loan agreement if we determine, in our sole discretion, that you have failed to respond to our requests for information in a timely manner in connection with our verification process. In the event we determine, prior to funding a loan, that the information submitted contains materially inaccurate information (including but not limited to inaccuracies related to the borrower's income, residence or creditworthiness, bank account being in good standing and consistent with our underwriting requirements, whether or not due to changes in circumstance) or was submitted illegally, for purposes of fraud or deception, or otherwise in a manner inconsistent with the Lenders Terms and Conditions, or was generated in error or is otherwise inconsistent with the applicable credit policy and criteria, we may refuse to accept the Loan Agreement and cancel any scheduled funding of the loan. Prior to funding a loan, we may conduct a "pre-funding" review of the Borrowers application and any supporting data related to the borrower. We may, at any

3 time and in our sole discretion, delay funding of a loan (i) in order to enable us to verify the accuracy of information provided by borrower, in connection with the application or lender commitments made with respect to the funding; (ii) to determine whether there are any irregularities with respect to the application or the commitments; or (iii) if we become aware of information concerning the borrower application during our pre-funding review, as a result of which we determine, in our sole discretion, that the likelihood of the borrower not making payments on the loan is materially greater than what would be expected based on the initial underwriting review. We may cancel or proceed with funding the loan, depending on the results of our pre-funding review. If funding is cancelled, the application will be denied and all lender commitments will be cancelled. In the event we cancel funding of a loan, we will notify the borrower of such cancellation. If your loan is approved and you have elected to sign the Debit Authorization provided at the beginning of this Agreement, we will use commercially reasonable efforts to effect a credit entry by depositing the proceeds from the Agreement into the bank account listed on the Debit Authorization on the disbursement date, which is usually the next business day after the day you sign this Agreement. The Annual Percentage Rate on your loan will be calculated as of the disbursement date. Unavoidable delays as a result of bank holidays, the processing schedule of your individual bank, the untimely receipt of information we request to underwrite your loan, inadvertent processing errors, acts of God and/or acts of terror may extend the time for deposit. You understand that Your payments will be applied first to any outstanding charges or late fees, then to earned interest and finally to principal. The payment schedule described above may change in the event You do not make all payments as scheduled. You understand that You may prepay all or any of the principal amount without penalty. You understand that You will be subject to a fee of $20.00 if any payment You make is returned or refused for any reason. You understand that if You fail to make any payment due hereunder, Lender shall have the right, after a 30 day grace period, to declare this Note to be immediately due and payable. You agree that all payments not made within (10) ten days of the due date shall be subject to a late fee of 10% of the payment amount. Lender may delay or forego enforcing any of its rights or remedies under this Note without losing them. CREDIT REPORTING: We may report information about your Loan to credit bureaus. Late payments, missed payments, or other things you do may be reflected on your credit report. RIGHT TO CANCEL: YOU MAY CANCEL THIS LOAN, WITHOUT COST TO YOU OR FURTHER OBLIGATION TO US, BY TELEPHONING TOLL-FREE BY 5:00 P.M. PACIFIC TIME ON THE FIRST BANKING DAY AFTER THE EFFECTIVE DATE. YOU CAN CANCEL ONLY IF YOU SEND US BACK THE MONEY FROM THE LOAN WE PUT IN YOUR BANK ACCOUNT, RETURN THE LOAN PROCEEDS CHECK MAILED TO YOU OR WE ARE ABLE TO WITHDRAW THE AMOUNT OF YOUR LOAN FROM YOUR BANK ACCOUNT. BORROWER'S BANK CHARGES: You will not hold us or our agents responsible for any fees you must pay as a result of any check or withdrawal request being presented at your bank in connection with this Agreement. This Note is in original format an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations, and the one, true original Note is retained electronically by Lender. All other versions hereof, whether electronic or in tangible format, constitute facsimiles or reproductions only. Proceeds of this loan will be directly deposited into the Bank account identified on your Debit Authorization (if you have selected that option) or mailed to you via first class mail at the address provided in your application if your payments are not automatically debited via the Debit Authorization. You hereby authorize Us and Our agents to initiate a deposit to Your bank account to disburse the proceeds of this Loan, if you have executed a Debit Authorization. CONSENT TO ELECTRONIC COMMUNICATIONS: The following terms and conditions govern electronic communications in connection with the Loan Agreement and the transaction evidenced hereby (the "Consent"). By electronically signing the Loan Agreement by clicking the "Sign" button and entering your name below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. You agree that: Any disclosure, notice, record or other type of information We are required to provide to You or that You request, in connection with Your transaction with us, including but not limited to, this Loan Agreement, this Consent, the federal Truth in Lending disclosures, Privacy Policy, change-in-term notices, loan, fee and transaction information, statements, notices of adverse action, and state mandated brochures and disclosures (collectively "Communications"), may be sent to You electronically by posting the information at Our web site, ( or by sending it to You by , to any address You have provided to us, as required by law. We will not be obligated to provide any Communication to You in paper form unless You specifically request it in writing. You may obtain a copy of any Communication by contacting Us at P.O. Box 637 Finley, CA or by calling Us at You also can withdraw Your consent to ongoing electronic Communications in the same manner, and ask that they be sent to You in paper or non-electronic form. You agree to provide Us with Your current address for notices at the address or phone number indicated above. If Your address changes, You must send Us a notice of the new address by writing to Us or sending Us an , using secure messaging, at least five (5) days before the change. In order to receive electronic communications in connection with this transaction, You will need a working connection to the Internet. Your browser must support the Secure Sockets Layer (SSL) protocol. SSL provides a secure channel to send and receive data over the Internet. Microsoft Internet Explorer 6 and above support this feature. You will also need either a printer connected to Your computer to print disclosures/notices or sufficient hard drive space available to save the information (e.g., 1 megabyte or more). You must have Your own Internet service provider. We do not provide Internet connectivity services. We may amend (add to, delete or change) the terms of this Consent to Electronic Communication by providing You with reasonable notice in accordance with applicable law. By entering Your name and social security number, and clicking the "Sign" button below, You are electronically signing this document and confirming that: (1) Your system meets the requirements set forth above; (2) You agree to receive Communications electronically; (3) You are able to receive s send to the address You have provided to Us and to access and print or store information presented at this website; and (4) You consent to having information regarding this transaction, and others You may enter into with us, transmitted via to the address You have provided to us, and to having that information communicated with any third party who has or obtains access to s sent to that address. YOUR ELECTRONIC SIGNATURE: You acknowledge and agree that when You type Your name and social security number in the indicated boxes on this document, and click the "Sign" button, You are providing Your electronic signature on this document. By electronically signing this document, You are agreeing to all the terms and conditions set forth in the Agreement, and certifying that all information You have provided in connection with this transaction is complete and accurate. You agree that Your electronic signature shall have the same force and effect, and shall bind You to this Agreement in the same manner and to the same extent as a physical signature would do, in accordance with the Electronic Signatures in Global and National Commerce Act ("ESIGN"), the Delaware Uniform Electronic Transactions Act ("UETA"), and the Uniform Commercial Code ("UCC") to the extent applicable. You also agree that this Agreement and all related documents are electronic records and that, as such, they may be transferred, authenticated, stored, and transmitted by electronic means.

4 TEXT MESSAGING: By electronically signing below, You authorize us, our assigns, successors or servicing agents to send SMS Statement Notifications (as defined below) to any telephone numbers provided to us, our assigns, successors or service agents in connection with this loan and any renewal. As used in this Disclosure, "SMS Statement Notifications" means any SMS (text message) communications from us to you pertaining to your loan sent to the phone numbers provided in connection with this loan, 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 replying with "stop". We may treat your provision of an invalid mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of your consent to receive SMS Statement Notifications. Any withdrawal of your consent to use SMS Statement Notifications will be effective only after we have a reasonable period of time to process your withdrawal. 2. To request additional information, contact us by telephone at In order to access, view, and retain SMS Statement Notifications that we make available to you, you must have: (1) a SMS-capable mobile phone, (2) an active mobile phone account with a communication service provider; and (3) sufficient storage capacity on your mobile phone. 4. All SMS Statement Notifications in electronic format from us to you will be considered "in writing." 5. There is no service fee for SMS Statement Notifications but you are responsible for any and all charges, including but not limited to fees associated with text messaging, imposed by your communications service provider. Other charges may apply. Such charges may include those from your communications service provider. Please consult your mobile service carrier's pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your phone bill. Message frequency depends on account settings. 6. Additionally, you agree that we may send any SMS Statement Notifications through your communication service provider in order to deliver them to you and that your communication services provider is acting as your agent in this capacity. You agree to provide a valid mobile phone number for these services so that we may send you certain information about your loan. 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 phone 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. 7. Receipt of each SMS Statement may be delayed or impacted by factor(s) pertaining to your communications service provider(s). 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. We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you, any other user or third party. By signing below, you agree to receive text messages in accordance with the disclosures provided above. Signature: Cassandra Greer Date: 3/29/2017 Check this box if you agree to the Debit Authorizations in this Agreement. ELECTRONIC (as soon as the next business day): By checking here, you authorize us to effect ACH and RCC debit and credit entries for this loan and also agree to the Debit Authorizations set forth in this Agreement. You acknowledge and agree that this Debit Authorization insures to the benefit of any Holder of this Note, its affiliates, agents, employees, successors, and registered assigns. Check this box if you do not agree to the Debit Authorizations in this Agreement. POSTAL MAIL (up to 7 to 10 days): By calling , you request loan proceeds be distributed to you by check and delivered by regular mail through the United States Postal System. If you elect to receive your proceeds by mail, you must also make your payments by mail. You should allow 7 to 10 days for delivery of the loan proceeds, and be aware interest begins accruing on the date Lender issues the check for the loan proceeds. SECURITY: Pursuant to Comment 2(a) (25) of the Federal Reserve Board Official Staff Commentary to Regulation Z 226.2, we have disclosed to you that our interest in the ECHECK/ACH Authorization Agreement is a security interest for Truth-in-Lending purposes only, because federal and Delaware law do not clearly address whether our interest in the ECHECK/ACH Authorization Agreement is a "security interest. DEFAULT, ASSIGNMENT AND EXECUTION: You will be in default under this Agreement if: (1) any installment, or part thereof, is not paid when due or You otherwise fail to timely pay Us what You owe Us under this Agreement, (2) You fail to make any payment as scheduled under this Agreement, or (3) You provide false or misleading information about yourself, Your employment, or Your financial condition prior to entering this Agreement. In the event of such default, the entire indebtedness shall, at Our sole discretion, become immediately due and payable subject to the right to "cure" under applicable state law, or We may accelerate all remaining installments. We will provide You with at least 15 days notice of such action. We may assign or transfer this Loan Agreement or any of Our rights hereunder. If the Loan Agreement is consummated, then You agree that the electronically signed Loan Agreement and Waiver of Jury Trial and Arbitration Provision We receive from You will be considered the original executed Loan Agreement and Waiver of Jury Trial and Arbitration Provision, respectively, which are binding and enforceable as to both parties. RESERVATION OF RIGHTS: You acknowledge that a failure by Us to exercise any of Our rights under this Agreement at any time does NOT constitute a waiver of such rights in future instances. We reserve Our right to exercise these rights, as appropriate, at any time. Tribal Dispute Resolution Procedures: If you have a question or grievance concerning your loan or any aspect of this Agreement, you must first contact us by telephone at , or in writing at the address on the first page of this Agreement. We will make our best effort to answer your question and/or resolve your grievance. If you are dissatisfied with our response, you must submit a written claim to the Tribal Lending Regulatory Authority, P.O. Box 1120, Boulevard, The claim must be submitted within five (5) business days after you receive our response to your inquiry or grievance, and must describe the dispute along with the relief you are seeking. Claims will be processed by the company Tribal Lending Regulatory Authority or its Claims Administrator in accordance with the company Tribal Lending Regulatory Ordinance. Any party to a dispute that is not satisfied with the decision of the Tribal Lending Regulatory Authority or Claims Administrator may seek review of the decision by the Tribal Council of the company, whose decision will be final and not subject to further review except as provided below. Any written claim that you file must comply with the procedural and substantive requirements of the laws of the company to be considered. Copies of applicable Tribal laws may be obtained by calling Customer Service at

5 Appeal to Arbitration: If you are not satisfied with a final decision of the Tribal Council of the company regarding your claim, you may appeal the decision into arbitration. You shall have the right to select any of the following arbitration organizations to administer the appeal: the American Arbitration Association ( ) JAMS ( ) or an arbitration organization agreed upon between us. The appeal will be governed by the chosen arbitration organization s rules and procedures applicable to consumer disputes, to the extent that those rules and procedures do not contradict either the law of the company or the express terms of this Agreement. Sovereign Immunity: The company is a federally recognized Indian tribe that, along with its governmental departments and agencies and economic enterprises, possesses sovereign immunity from unconsented suit. This means that no legal action may be brought against the Tribe in general, or the company in particular, without the consent of the company. The Tribe has waived the sovereign immunity of company only for the limited purpose of allowing Claims regarding customer Disputes to be brought against us using the procedures described above and in the Regulations of the company Regulatory Authority, and not for any other purpose or procedure. This limited waiver of sovereign immunity is intended only to benefit customers of the company and no other person or entity, and it limits the relief that may be obtained as a result of any Claim to unobligated assets of the company. Other Provisions: The Dispute Resolution provisions in this Agreement will survive: (i) termination or changes in this Agreement, the Account, or the relationship between us concerning the Account; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of my Note, or any amounts owed on my account, to any other person or entity. The Dispute Resolution provisions in this Agreement are intended to benefit and be binding upon you, your heirs, successors and assigns. They also benefit and are binding upon us, our successors and assigns, and related third parties. The Dispute Resolution provisions in this Agreement shall continue in full force and effect, even if your obligations have been paid or discharged through bankruptcy. The Dispute Resolution provisions shall survive any termination, amendment, expiration, or performance of any transaction between you and us and continue in full force and effect unless you and we otherwise agree in writing. If any component of these Dispute Resolution provisions is held invalid, the remainder of the provisions shall remain in effect. GOVERNING LAW: This Agreement is governed by the federal law and the laws of the Lender. Military Members: Federal law provides important protections to active duty members of the Armed Forces and their dependents. To ensure that these protections are provided to eligible applicants, we required you to select whether you were active military, a dependent of active military or not active military. You indicated you were not active military. By signing below, I represent that I AM NOT a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer (or a dependent of such member). Please print and retain a copy of this Agreement for Your records. If Your computer is not equipped with a printer, You can request that We You a copy by calling or by contacting Us through Our website at THIS LOAN CARRIES A VERY HIGH INTEREST RATE. YOU MAY BE ABLE TO OBTAIN CREDIT UNDER MORE FAVORABLE TERMS ELSEWHERE. EVEN THOUGH THE TERM OF THE LOAN IS 1 days, WE STRONGLY ENCOURAGE YOU TO PAY OFF THE LOAN AS SOON AS POSSIBLE. YOU HAVE THE RIGHT TO PAY OFF ALL OR ANY PORTION OF THE LOAN AT ANY TIME WITHOUT INCURRING ANY PENALTY. YOU WILL, HOWEVER, BE REQUIRED TO PAY ANY AND ALL INTEREST THAT HAS ACCRUED FROM THE FUNDING DATE UNTIL THE PAYOFF DATE. Notice: Do not sign this agreement before You read it. If You have any questions or if anything is unclear about this Agreement, or if You have changed Your mind about any of the voluntary elections that You have made, DO NOT SIGN THIS AGREEMENT. Instead, call Our toll free number , and speak with a customer service representative about Your concern ELECTRONIC SIGNATURES AND CONSENTS By entering Your name and Social Security Number and clicking the "Sign" button below, You understand and acknowledge that You are providing Your electronic signature and taking the following four (4) separate actions: 1. CONSENT TO ELECTRONIC COMMUNICATIONS: You confirm that: (1) Your system meets the requirements set forth above in the CONSENT TO ELECTRONIC COMMUNICATIONS (the "Consent"); (2) You agree to receive all communications electronically and otherwise agree to the terms and conditions of the Consent although such consent may be withdrawn; and (3) You are able to access and print s sent to the address You provided and access and print or store information presented at this website. 2. Debit AUTHORIZATION, (if applicable): You authorize FreedomCashLenders, its successors and assigns to initiate credit and debit entries to Your Bank Account, as described in the DEBIT AUTHORIZATION AND DISCLOSURE and throughout this Agreement. 3. AGREEMENT TO TERMS AND CONDITIONS OF LOAN AGREEMENT INCLUDING THE TRIBAL DISPUTE RESOLUTION PROCEDURE: You acknowledge and agree that: (a) the Loan Agreement was filled in before You did so and that You have reviewed the entire Loan Agreement including the TRIBAL DISPUTE RESOLUTION PROCEDURE provisions and Our PRIVACY POLICY, (b) Your right to file suit against Us for any claim or dispute regarding this Loan Agreement is limited by the TRIBAL DISPUTE RESOLUTION PROCEDURE provision, (c) You are not a debtor under any proceeding in bankruptcy and have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code, and (d) You have read and understood all of the terms of this Loan Agreement including the provisions mentioned above and You agree to comply with, and be bound by, all of those terms. If You do not wish to complete Your loan agreement at this time, click "Cancel". If You have further questions, contact Us at or via CustomerService@freedomcashlenders.com CREDIT CARD/DEBIT CARD AUTHORIZATION. In connection with our underwriting of this loan, we may collect credit card or debit card information from you. If we collect your credit card or debit card information and this Loan goes into Default (as defined below), you agree that, by signing below, you are allowing us to use your credit card or debit card information to process payment for the total amount due to us pursuant to this Loan Agreement. This amount will include all principal, interest and fees you owe us. You further understand that this Authorization may be revoked at any time prior to our use of it by contacting us. You are not required to authorize our use of this information to obtain a loan from us. Date: 3/29/2017 Signature: Cassandra Greer Social Security Number: (XXX-XX-XXXX) I agree to the terms above Date: 3/29/2017 Lender: FreedomCashLenders

6 Document signed on 3/29/2017 at 8:45 PM from IP