USA PATRIOT Act Customer Identification Program Notice

Lead Bank

**** **** ******

Kansas City, MO 64108

USA PATRIOT Act Customer Identification Program Notice Important Information You Need to Know About Opening A New Account To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. Types of Information You Will Need to Provide

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

Your name

Date of birth

Address

Identification number

US Citizen: taxpayer identification number (Social Security Number) Non-US Citizen: taxpayer identification number,

passport number and country of issuance, alien identification card number, or government-issued identification showing nationality, residence and a photograph of you.

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

If Your Identity Cannot Be Verified

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

We thank you for your patience and hope that you will support the financial industry's efforts to deny terrorists and money launderers access to America's financial system.

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CD Truth in Savings

Lead Bank

1801 Main Street

Kansas City, MO 64108

Truth in Savings Disclosure for Certificate of Deposit FIXED RATE INFORMATION

The interest rate on your account is 0.10% with an annual percentage yield (APY) of 0.10%. You will be paid this rate until maturity.

COMPOUNDING AND CREDITING

Interest will be compounded annually and will be credited to your account annually. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If you close your account before interest is credited, you will not receive the accrued interest. If interest is credited to another account, this may reduce earnings and may negate the effect of interest compounding. MINIMUM BALANCE REQUIREMENTS

You must deposit $520.00 to open this account.

BALANCE COMPUTATION METHOD

We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL ON NONCASH DEPOSITS

Interest begins to accrue on the business day you deposit noncash items (for example, checks).

FEES AND CHARGES

See the Service Fees Schedule for a list of other fees. At our discretion, we may change the fees on this account.

TRANSACTION LIMITATIONS

You may not make deposits into your account until the maturity date. You may not make withdrawals from your account until the maturity date. MATURITY DATE

Your account will mature on 04/19/2025.

EARLY WITHDRAWAL PROVISIONS

Withdrawals made prior to maturity will be assessed a penalty of 90 days interest. If the account closes before interest is credited to the account, you will not receive the interest which may result in a loss of principal due to penalty. RENEWAL POLICIES

Your account will not automatically renew at maturity, and no additional interest will be paid to you if we continue to hold your funds after maturity. If, at the time your account matures,

you have a Self Visa secured credit card account issued by Lead Bank, your funds will be transferred to the security account associated with your secured credit card account. If you do not have a Self Visa secured credit card account at maturity, then your funds will be paid to you in the manner you elected at the time you established your account, unless you later change your election to have your funds paid to you by another method permitted by us.

Terms and Conditions

Terms and Conditions: Certificate of Deposit

Agreement - This document, along with your Truth in Savings Disclosure for Certificate of Deposit, account selection form, fee schedule, Certificate Receipt, Privacy Notice and other disclosures provided to you constitute our agreement with you regarding your Certificate of Deposit

("Account"). You have agreed to keep the funds on deposit until maturity. If your Account has not matured, any withdrawal of all or part of the funds from your Account may result in an early withdrawal penalty. We will consider requests for early withdrawal and, if granted, the penalty provided in the Truth in Savings Disclosure for Certificate of Deposit will apply.

Penalty - The early withdrawal penalty is calculated as a forfeiture of part of the accrued interest that has or would be earned on the Account. If your Account has not yet earned enough interest so that the penalty can be deducted from earned interest, or if the interest has already been paid, the difference will be deducted from the principal amount of your Account. Exceptions - We may let you withdraw money from your Account before the maturity date without an early withdrawal penalty when one or more owners on the Account dies or is determined legally incompetent by a court or other administrative body of competent jurisdiction. Right of Setoff - Subject to applicable law, we may exercise our right of setoff that we are entitled to exercise under common law, under this Agreement and under statute, or security interest to recover amounts you owe us from any and all accounts you maintain with us without notice to you, except that this provision does not apply to any IRA, Keogh plan, certain trust accounts (but excluding Totten Trust Accounts), or Health Savings Accounts. We may exercise our right of setoff for any liability or debt of any of you, whether joint or individual, whether direct or contingent, whether now or hereafter existing, and whether arising from overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorneys' fees, or other obligations. Notice of Amendments - You agree that from time to time we may amend the terms and conditions of this Agreement, including without limitation all rates, fees, and charges, to the extent permitted by law. We will notify you of amendments as required by law. Fees and Charges - We may impose fees as disclosed in the Service Fees Schedule, which may be amended from time to time as described above. Payment of Interest - Interest will be compounded annually and will be credited to your Account annually. Please see your Truth in Savings disclosures for the current rate and policies. Additional Deposits - You may not make additional deposits to your Account. Truth in Savings Disclosure Lead On Savings Account Lead Bank

1801 Main Street

Kansas City, MO 64108

Truth in Savings Disclosure

Lead On Savings Account

Date 04/19/2023

The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information, please call us at 816-***-****.

This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular. We reserve the right at any time to require not less than 7 days' notice before any withdrawal from an interest bearing account.

VARIABLE RATE INFORMATION

The interest rate on your account is 0.10% with an annual percentage yield (APY) of 0.10%. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest for your account at any time. COMPOUNDING AND CREDITING

Interest will be compounded daily and will be credited to your account on the last day of the month.

MINIMUM BALANCE REQUIREMENTS

A minimum deposit of at least $25 is required to open this account. You must maintain a minimum balance of $25 in the account each day or a fee of $5 per month will be charged.

BALANCE COMPUTATION METHOD

We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCRUAL ON NONCASH DEPOSITS

Interest begins to accrue on the business day you deposit noncash items (for example, checks).

FEES AND CHARGES

See Additional Fee Schedule for a list of other fees. At our discretion, we may change the fees on this account.

TRANSACTION LIMITATIONS

Withdrawals are limited to the following two options: Automated

Clearing House (ACH) credit to a checking or savings account you own at Lead Bank or another bank.

A physical check payable to the account owner mailed to the account owner. You may request up to six (6) withdrawals from your account per month without incurring additional fees, but only one (1) withdrawal per month may be distributed to you by check without incurring additional fees. You may make additional withdrawals, 1.

2.

but there will be a fee of $5.00 for each additional withdrawal after the first six (6) withdrawals per month, and there will be a fee of $2.00 for each additional withdrawal by check per month after the first check withdrawal. EFFECT OF CLOSING ACCOUNT

You will not receive the accrued interest if you close your account before interest is credited.

Terms and Conditions Lead On Savings Account

Terms and Conditions: Lead On Savings Account

Agreement - This document, along with your Truth in Savings disclosure for Lead the Way Savings Account, account selection form, fee schedule, Privacy Notice and other disclosures provided to you constitute our agreement with you regarding your Account. This document is subject to applicable federal laws, the laws of the state of Missouri and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this document can and does vary such rules or laws). You agree to the terms of this Account and our Fee Schedule. You authorize us to deduct these charges, without notice to you, directly from the account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this document. Joint Owners - If this Account is in the name of two or more persons, this Account is a Joint Account– With Survivorship (and not as Tenancy by the Entirety or as Tenants in Common). Each of you intend that when you die the balance in the Account will belong to the survivor(s). Generally, unless clearly indicated otherwise on the account records, any of you, acting alone, who sign to open the Account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to endorse any item payable to you or your order for deposit to this Account or any other transaction with us. Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by your or another with access to this Account. Right of Setoff - Subject to applicable law, we may exercise our right of setoff that we are entitled to exercise under common law, under this Agreement and under statute, to recover amounts you owe us from any and all Accounts you maintain with us without notice to you, except that this provision does not apply to any IRA, Keogh plan, certain Trust Accounts (but excluding Totten Trust Accounts), or Health Savings Accounts. We may exercise our right of setoff for any liability or debt of any of you, whether joint or individual, whether direct or contingent, whether now or hereafter existing, and whether arising from overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorneys' fees, or other obligations.

Notice of Amendments - You agree that from time to time we may amend the terms and conditions of this Agreement, including without limitation all rates, fees, and charges, to the extent permitted by law. We will notify you of amendments as required by law. Fees and Charges - We may impose fees as disclosed In our Fee Schedule, which may be amended from time to time as described above.

Payment of Interest - Interest will be compounded daily and will be credited to your Account on the last day of the month. Please see your Truth in Savings Disclosure for the current rate and policies. Additional Deposits - You may make additional deposits to your Account. We will give only provisional credit until collection is final for any item, other than cash, we accept for deposit (including items drawn "on us"). Before settlement of any item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item. We may reverse any provisional credit for items that are lost, stolen, or returned. We are not responsible for transactions by mail or outside depository until we actually record them. We will treat and record all transactions received after our "daily cutoff time" on a business day we are open, or received on a day we are not open for business, as if initiated on the next business day that we are open.

Notice of Withdrawal - We reserve the right to require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. (The law requires us to reserve this right, but it is not our general policy to use it.)

ACH Transfers - If you originate an ACH fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your Account and the party originating such payment will not be considered to have paid the amount so credited. If we receive a payment order to credit an account you have with us by ACH, we are not required to give you any notice of the payment order or credit.

Security - It is your responsibility to protect the account numbers and electronic access devices we provide for your Account, if any. Do not discuss, compare, or share information about your account number(s) with anyone unless you are willing to give them full use of your money. An account number can be used by thieves to encode your number on a false demand draft which looks like and functions like an authorized check. If you furnish your access device and grant actual authority to make transfers to another person (a family member or coworker, for example) who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized. Your account number can also be used to electronically remove money from your Account. If you provide your account number in response to a telephone solicitation for the purpose of making a transfer (to purchase a service or merchandise, for example), payment can be made from your Account even though you did not contact us directly and order the payment. Your Liability for Unauthorized Use - You are responsible for keeping your password and account information secret. If you allow others to access your Account, you are responsible for any transactions they authorize from your Account.

CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account. If you do not tell us within 60 days after the statement containing an unauthorized transaction was sent to you, you may lose any amount transferred without your authorization if we can prove that we could have stopped someone from making the unauthorized transfer if you had told us on time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

Error Resolution - In case of errors or questions about your electronic transactions, contact us by telephone at 877-***-****, or email us at ad2rz1@r.postjobfree.com, as soon as you can, if you think your statement is wrong or if you need more information about an electronic transaction listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You must: (1) Tell us your name and account number; (2) Describe the electronic transaction you are unsure about, and explain why you believe an error has occurred or why you need more information; and (3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send your complaint or question in writing within 10 business days.

We will communicate to you the results of our investigation within 10 business days after you contact us and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within 10 business days for the amount you think is in error, so that you will have the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not provisionally credit your Account.

If you are a new customer, for electronic funds transfers occurring during the first 30 days after the first deposit is made to your Account, we may take up to 90 days to investigate your complaint or question, and we may take up to 20 business days to provisionally credit your Account for the amount you think is in error.

We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Privacy Notice

Rev. April 15, 2019

FACTS

WHAT DOES LEAD BANK

DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income

Account balances and payment history

Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Lead Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Lead

Bank share?

Can you limit

this sharing?

For our everyday business purposes—

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes—

to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes No For our affiliates' everyday business purposes—

information about your transactions and experiences No We don't share

For our affiliates' everyday business purposes—

information about your creditworthiness

No We don't share

For nonaffiliates to market to you No We don't share Questions? Call 816-***-****; 866-***-****; or go to www.lead.bank

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Who we are

Who is providing this notice?

Lead Bank

What we do

How does Lead Bank protect my

personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Lead Bank collect my

personal information?

We collect your personal information, for example, when you Apply for a loan or open an account

Show your government-issued ID or use your credit or debit card

Provide employment information

We also collect your personal information from other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes— information about your creditworthiness

Affiliates from using your information to market to you Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include others, such as Lead Financial Group, Inc. and LB Real Estate Holdings LLC.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Lead Bank does not share with nonaffiliates so they can market to you.

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Third Party Financial Service Providers

Other important information

Lead Bank is chartered under the laws of the State of Missouri and is subject to regulatory oversight by the FDIC. Any consumer wishing to file a complaint against Lead Bank should contact the FDIC though one of the following means: In person, by U.S. Mail: 1100 Walnut Street; Suite 2100; Kansas City, MO 64106, by Telephone 800-***-****, or Online at: https://ask.fdic.gov/FDICCustomerAssistanceForm

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Fee Schedule

Lead Bank Service Fees

Effective as of April 1, 2019

Service Price

Stop Payment $25.00

Night Drop Zipper Bag $5.00

Money Orders $4.00

Cashier's Check $6.00

Foreign ATM Charge for Clients $2.00

Non-client ATM Fee $3.00

Account Transfer (per transfer via phone) $2.00

Automatic Overdraft Sweep $10.00

Replacement of lost/stolen debit/credit card

Personalized debit or credit card

$20.00

$10.00

Account research $25.00 an hour

SDB 3X5 $20.00

Annually

SDB 5X5 $30.00

Annually

SDB 3X10 $40.00

Annually

SDB 5X10 $60.00

Annually

SDB 4.5X10 $50.00

Annually

SDB 10x10 $80.00

Annually

SDB Drilling $125.00

SDB Key Replacement $25.00

SDB Late Fee $10.00

Deposited Item Return Fee $9.00

Re-deposit Return Item Fee $5.50

Incoming Wire $15.00

International Incoming Wire $50.00

Person to person transfer via online banking Free

Dormant Fee - Checking $5.00 a month

after one year

NSF - Item Paid or Returned $30.00

Continuous Daily Overdraft Fee $3.00

Service Price

Foreign Item Processing $2.50

Collection $30.00

Foreign Item Collection $40.00

Canadian Collection $10.00

Draft Collection Fee $40.00

Amortization Schedule $10.00

Copy $1.00 each

Fax $5.00

Garnishment/Levy $20.00

Returned Statement $5.00

Statement Printout $5.00

Activity Printout $3.00

Account deposit with debit or credit card $15.00

Counter Check $0.50

Verification of Deposit $15.00

Outgoing Wire $33.00

International Outgoing Wire $69.00

Returned Outgoing Wire $18.00

Dormant Fee - MMDA and Savings $5.00 a month

after 3 years

Prices effective as of April 1, 2019 and are subject to change at any time. 1801 Main Street, Kansas City, MO 64108 Tel: 816-***-**** www.lead.bank Truth in Lending

1801 Main Street

Kansas City, MO 64108

816-***-****

Borrower:

Tracy Watts

709 19th St SW

Birmingham, AL 35211

Truth in Lending Disclosures

ANNUAL

PERCENTAGE

RATE

The cost of your

credit as a yearly

rate.

FINANCE

CHARGE

The dollar

amount the credit

will cost you.

Amount

Financed

The amount of

credit provided to

you or on your

behalf.

Total of Payments

The amount you will

have paid after you

have made all

payments as scheduled.

15.92% $89.00 $511.00 $600.00

PAYMENT SCHEDULE

Your payment schedule:

Number of

Payments

Amount of

Payments

When Payments are Due

24 $25.00 Monthly beginning on May 19, 2023

SECURITY. A security interest is being given in a Certificate of Deposit held at Lead Bank. REQUIRED DEPOSIT DISCLOSURE. The annual percentage rate does not take into account your required deposit.

LATE CHARGE. If a payment is 15 days or more late, you will be charged 5.0% of the payment amount (max $50).

PREPAYMENT. If you pay off early, you will not have to pay a penalty. You should look at your contract documents for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds. Itemization of Amount Financed of $511.00

Amount paid directly to your Certificate of Deposit: $511.00 Deposited to Certificate of Deposit Number: 6454 Administrative Fee: Prepaid Finance Charge: $9.00

Note Principal: $520.00

Total amount paid to your Certificate of Deposit: $520.00 Borrower:

Tracy Watts

709 19th St SW

Birmingham, AL 35211

Lender:

Lead Bank

1801 Main Street

Kansas City, MO 64108

Promissory Note

PROMISSORY NOTE

Account Number: 1424

Principal Amount: $520.00 Interest Rate: 14.14% per annum Date of Note: April 19, 2023

"Loan" means the consumer installment loan made by Lender to Borrower under this Note and the Truth in Lending Disclosures. "We," "us," "our," and "Lender" refer to Lead Bank, and its successors and assigns. "You," "your," and "Borrower" refer to the borrower(s) identified above. This Note and the Truth in Lending Disclosures form the "Agreement" governing your Loan. PROMISE TO PAY. You promise to pay to Lender the principal amount of $520.00 plus interest on the outstanding principal balance at the Interest Rate disclosed above until the Loan is paid in full. You agree to make payments on the dates and in the amounts shown in the Payment Schedule in the Truth in Lending Disclosures. You agree to pay an administrative fee of $9.00, which will be deducted from the loan proceeds, and all other charges provided for under this Agreement. This Note does not constitute a negotiable instrument.

INTEREST. Interest will accrue daily on the unpaid principal balance of this Loan, beginning on the date of this Note. Interest will accrue until you pay the unpaid principal balance in full. Interest is calculated based on a 365-day year. In calculating your payments, Lender has assumed you will make each payment on the day and in the amount due. If any payment is received after the Payment Due Date, you must pay any additional interest that accrues after the Payment Due Date. If any payment is made before a Payment Due Date, the interest due on the scheduled payment will be reduced, and you will owe less interest. The amount of any decrease or increase in interest due will affect the amount of your final payment. If the amount of any payment is not enough to pay the interest due, the unpaid interest will be paid from your next payment(s), if any, and will not be added to the principal balance. PAYMENTS. Unless otherwise agreed or required by applicable law, payments will be applied to any attorney’s fees, legal expenses or other costs, late fees, interest and principal, in the order determined by Lender in its sole discretion. You will pay Lender at Lender’s address shown above or at such other place as Lender may designate in writing. You agree not to send Lender payments marked "paid in full", "without recourse", or similar language. If you send such a payment, Lender may accept it without losing any of Lender’s rights under this Agreement, and you will remain obligated to pay any further amount owed to Lender. All written communications concerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes "payment in full" of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered to: Lead Bank, 1801 Main Street, Kansas City, MO 64108.

PREPAYMENT. You may prepay this Loan in whole or in part at any time without penalty. If you prepay in part, you must still make each later payment according to the Payment Schedule above until this Loan is paid in full. Any amounts you prepay will not continue to accrue interest. If you prepay, you will not be entitled to a refund of the administrative fee. LATE CHARGE. If a payment is 15 days or more late, you will be charged a late fee of 5.0% of the payment amount, but the late charge will not exceed $50. INTEREST AFTER DEFAULT. If you do not make each payment in full on its Payment Due Date as agreed, Lender may continue to charge interest on past due amounts at the interest rate set forth above.

COLLATERAL. The Loan is secured by a security interest in your Certificate of Deposit at Lead Bank as further described in an Assignment of Collateral having the same date as this Note. You grant us a security interest in the Certificate of Deposit. You agree that you will have no right to withdraw funds from the Certificate of Deposit until this Loan has been repaid in full, but

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