THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE.

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RETAIL INSTALLMENT CONTRACT

This is a consumer credit transaction.

Kovo Account Number g7fe7d801dc04

Buyer

Name: Hilda Logan

Mobile Phone: 479-***-****

Email: ad2yen@r.postjobfree.com

Address:

1608 DALLAS ST

FORT SMITH, AR 72901

"You," "Your," "Buyer" and "Debtor" means the person identified above. Company

Kovo Inc.

ad2yen@r.postjobfree.com

855-***-****

101 Convention Center Dr, Suite 370

Las Vegas, NV 89109

"We" and "us" and "Kovo" means the Company above, its successors and assigns. Truth in Lending Disclosure

ANNUAL PERCENTAGE RATE

The cost of your credit as a yearly rate. 0.00%

FINANCE CHARGE

The dollar amount the credit will cost you. $0.00

AMOUNT FINANCED

The amount of credit remaining on your contract. $240.00 TOTAL OF PAYMENTS

The amount you will have paid after you have made all payments scheduled. $240.00 TOTAL SALE PRICE

The total cost of your purchase on credit including your down payment of $0. $240.00 Your payment schedule will be:

Number of Payments Remaining 24

Amount of Each Payment $10

When Payments are Due Day 11 of each month

Late Charge: None.

Prepayment: If you pay off the balance early, you will not have to pay a penalty. Security: There is no security interest.

See this Contract for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds and penalties.

ITEMIZATION OF AMOUNT FINANCED OF $240

$240 PURCHASE PRICE

$0 DOWNPAYMENT

$240 AMOUNT FINANCED

$0 PREPAID FINANCE CHARGE

THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE. Page 2 of 5

Hilda Logan ("Buyer") hereby agrees to enter this Retail Installment Contract ("Contract") with Kovo on the following terms: 1. INSTALLMENT PAYMENTS/PROMISE TO PAY. You promise to make monthly installment payments of $10 for 24 months on or before the 11 of each month ("Due Date") beginning on 2023-11-11 ("Contract Term") to Kovo, for a total number of payments to Kovo equaling $240 ("Total Amount"). You may contact us by email, phone, or in writing at the contact information provided at the top of Page 1 of this Contract to request a change to your Due Date. If we grant your request, such request will be considered your consent to amend this Contract with respect to your Due Date only and will not alter any other aspect of this Contract. Your subsequent Due Dates will be the same day of each successive calendar month during the Contract Term. If this calendar day does not fall on a business day, your Due Date will be the following business day. If your initial Due Date is on the 29th, 30th, or 31st of the month, and a subsequent calendar month does not have a 29th, 30th, or 31st, the Due Date in that month will be the last day of the month in which the monthly installment payment is due. No interest will ever be charged on the Total Amount. 2. PAYMENT METHOD. You may make payments using a credit or debit card by providing us your card information and authorizing payments to be made automatically on or before each Due Date. 3. CONTRACT TERM. The Contract Term will be for 24 months, beginning on 2023-11-11 and concluding on 2025-11-11. 4. KOVO COURSES. In exchange for your promise to pay the Total Amount, this Contract entitles you to Kovo Courses. 5. DISCLAIMER OF WARRANTIES. We make no warranties, express or implied, concerning Kovo Courses, including no implied warranties of merchantability or fitness for a particular purpose. 6. REFUNDS. You may cancel this Contract within 30 days of the first day of the Contract Term and receive a full refund of the Total Amount. After this 30-day period, Kovo will not provide a refund for any reason. 7. PREPAYMENT. You may prepay the Total Amount in full or in part at any time. Any partial prepayment will not excuse any later scheduled payments until you pay the Total Amount in full. 8. DEFAULT. Failure to make a payment by 30 days after its Due Date may, at Kovo's discretion, constitute a default under this Contract, which may impact how we report on your credit to the major credit reporting agencies. There will be no late fees assessed for failure to make timely payments.

9. REMEDIES. To the extent provided by law, the entire unpaid balance of this Contract (excluding any unearned finance charges) shall, at our option, be accelerated and become due and payable forthwith, if you default in the payment of three (3) consecutive installments. Upon the occurrence of such an event, we may elect to proceed to collect the entire unpaid balance of this Contract. 10. VERIFICATION AND CREDIT REPORT AUTHORIZATION. You authorize us to verify the information you provided us in connection with this Contract. By electronically signing this Contract, you give us written instructions in accordance with the Fair Credit Reporting Act to obtain information about you from any consumer reporting agency (including your consumer report) or other sources in order to determine your eligibility, verify your information, maintain your account and for any permissible purpose. You authorize all such third- party sources to disclose the information requested by us or our contractors or agents, unless prohibited by applicable law. You understand that your instructions let Kovo and affiliated companies obtain such information at any time for as long as you have a registered Kovo account. We may report information about this Contract and your performance under this Contract to consumer reporting agencies in accordance with applicable legal requirements. Late or missed payments may be reflected on your consumer report and can have a negative impact on your credit score. 11. ASSIGNMENT. Your obligations under this Contract may not be assigned to or assumed by any third parties. We may assign or transfer this Contract without your consent or notice to you. 12. SERVICING AND MARKETING CONTACT. We may try to contact you at any mailing address, email address, or phone number you give us, as well as by mobile application message, in order for us to service your account, collect any amounts you may owe us, or to inform you of new products or promotions offered by us. You agree that we or our contractors or agents may from time to time make calls or send text messages to you at any telephone number associated with your account, including wireless telephone numbers that could result in charges to you. The manner in which these calls or text messages are made to you may include the use of prerecorded/artificial voice messages or an automatic telephone dialing system. You agree that we may from time to time monitor and record telephone calls made or received by us or our contractors or agents regarding your account. 13. GOVERNING LAW. This Contract will be governed by federal law, and to the extent not preempted by federal law, the laws of the State of Delaware excluding its choice of law provisions. This choice of governing law will not change regardless of your or our change of location. Any dispute related to this Contract will be subject to the Arbitration Agreement in Section 15, which is governed by the Federal Arbitration Act.

14. MILITARY LENDING ACT. The Military Lending Act provides specific protections for active duty service members and their dependents in consumer credit transactions. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependents may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). 15. ARBITRATION AGREEMENT. PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS. This Section is referred to in this Contract as the "Arbitration Agreement." You agree that any and all disputes or claims that have arisen or may arise THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE. Page 3 of 5

between you and us, whether arising out of or relating to this Contract, any advertising, or any aspect of the relationship or transactions between us, will be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. This Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into this Contract, you and we are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement. a. Prohibition of Class and Representative Actions and Non-Individualized Relief. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIMS, EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION.

b. Pre-Arbitration Dispute Resolution. We are always interested in resolving disputes amicably and efficiently, and most customer concerns can be resolved quickly and to the customer's satisfaction by emailing customer support at ad2yen@r.postjobfree.com. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute ("Notice"). The Notice to us should be sent to 101 Convention Center Dr, Suite 370, Las Vegas, NV 89109 ("Notice Address"). The Notice must (i) describe the nature and basis of the claim or dispute and (ii) set forth the specific relief sought. If you and we do not resolve the claim within 60 days after the Notice is received, you or we may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or us will not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or we are entitled. c. Arbitration Procedures. Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association's

("AAA") rules and procedures, including the AAA's Consumer Arbitration Rules (collectively, the "AAA Rules"), as modified by this Arbitration Agreement. For information on the AAA, please visit its website, https://adr.org. Information about the AAA Rules and fees for consumer disputes can be found at the AAA's consumer arbitration page, https://adr.org/consumer. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of this Contract as a court would. All issues are for the arbitrator to decide, including issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court could award. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons. Unless you and we agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination will be made by AAA. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. d. Costs of Arbitration. Payment of all filing, administration, and arbitrator fees (collectively, the "Arbitration Fees") will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. If the value of the relief sought is $75,000 or less, at your request, we will pay all Arbitration Fees. If the value of relief sought is more than $75,000 and you are able to demonstrate to the arbitrator that you are economically unable to pay your portion of the Arbitration Fees or if the arbitrator otherwise determines for any reason that you should not be required to pay your portion of the Arbitration Fees, we will pay your portion of such fees. In addition, if you demonstrate to the arbitrator that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the Arbitration Fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. Any payment of attorneys' fees will be governed by the AAA Rules.

e. Confidentiality. All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.

f. Severability. If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than those in subsection

(a) above titled "Prohibition of Class and Representative Actions and Non-Individualized Relief") is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement will be enforceable as so modified. If a court or the arbitrator decides that any of the provisions of subsection (a) above titled "Prohibition of Class and Representative Actions and Non-Individualized Relief" are invalid or unenforceable, then the entirety of this Arbitration Agreement will be null and void, unless such THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE. Page 4 of 5

provisions are deemed to be invalid or unenforceable solely with respect to claims for public injunctive relief. The remainder of this Contract will continue to apply.

g. Future Changes to Arbitration Agreement. We may make changes to this Arbitration Agreement. If we do, we will provide notice of the change via any mailing address, email address or phone number you give us, or by mobile application message. If we make any change to this Arbitration Agreement (other than a change to the Notice Address), you may reject the change by sending us written notice within 30 days of the change to the Notice Address provided above. If you do not reject the change within the 30-day period, you agree to the change. By rejecting any change, you are agreeing that you will arbitrate any dispute between us in accordance with this Arbitration Agreement as of the date you first accepted this Contract (or accepted any subsequent changes to this Contract). h. Your Right to Opt Out. If you do not want this Arbitration Agreement to apply to you, you may opt out by sending us an email notice of your decision to ad2yen@r.postjobfree.com, which must be received by us within the first 30 days of the Contract Term. The subject line of your email notice must only state “Arbitration Agreement Opt Out” and the body of your email notice must clearly state that you wish to opt out of the Arbitration Agreement section of this Contract. Your email notice must also include your name, address and account number. This is the sole and only method by which you can opt out of this Arbitration Agreement. Your exercise of the right to opt out will not affect any remaining terms of this Contract. EVEN IF YOU OPT OUT, YOU AND WE STILL AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. You agree that our business records will be final and conclusive evidence with respect to whether you opted out of this Arbitration Agreement in a timely and proper fashion. i. Military Lending Act. This section shall not apply to covered borrowers as defined in the Military Lending Act. 16. CONSENT. By signing this Contract, you acknowledge that you have reviewed and consented to Kovo’s Privacy Policy and Terms of Use, which are found at https://kovocredit.com.

NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

ELECTRONIC SIGNATURE ACKNOWLEDGEMENT: You acknowledge and agree that when you sign this Contract below, you are providing your electronic signature on this Contract. By electronically signing, you are agreeing to all the terms and conditions in this Contract, and certifying that all information you have provided is complete and accurate. You agree that your electronic signature will have the same force and effect, and will bind you to this Contract to the same extent as a physical signature would. You also agree that this Contract and all related documents are electronic records and that, as such, they may be transferred, authenticated, stored, and transmitted by electronic means.

NOTICE TO THE BUYER

1. DO NOT SIGN THIS CONTRACT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED IN COPY OF THIS CONTRACT AT THE TIME YOU SIGN. 3. UNDER THE LAW, YOU HAVE THE RIGHT, AMONG OTHERS, TO PAY OFF IN ADVANCE THE FULL AMOUNT DUE. IF YOU DO, YOU WILL NOT BE CHARGED A PREPAYMENT PENALTY BUT NEITHER ARE YOU OWED A REFUND OR REBATE FOR A CREDIT SERVICE CHARGE OR FINANCE CHARGE, AS YOU DID NOT PAY ONE. 4. KEEP THIS CONTRACT TO PROTECT YOUR LEGAL RIGHTS. RETAIL INSTALLMENT CONTRACT

WITH YOUR SIGNATURE BELOW AND BY CLICKING AGREE, YOU AGREE TO THE TERMS OF THIS CONTRACT, THAT YOUR SIGNATURE APPLIES TO EACH PAGE OF THIS CONTRACT, AND YOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS CONTRACT. Buyer:

Hilda Logan

Signature

2023-11-11

Date

THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE. Page 5 of 5

Document History

Viewed by Hilda Logan - ad2yen@r.postjobfree.com

Sat, 11 Nov 2023 16:15:25 GMT

IP: 107.19.1.8

Signed by Hilda Logan - ad2yen@r.postjobfree.com

Sat, 11 Nov 2023 17:21:53 GMT

IP: 107.19.1.8

ID: f_r5bNXzUOFeKzwdZkNF

Version: v1

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