Customer Service Call Center

CONSENT FOR USE OF ELECTRONIC RECORDS AND SIGNATURES

Please read this information carefully and print or store a copy for future reference. Description of Disclosures and Consent You understand and agree that you are applying through this website for a closed end loan to be made by Celtic Bank, a Utah industrial bank, located at 268 South State Street, Suite 300, Salt Lake City, UT 84111. In this Consent for Use of Electronic Records and Signatures, the words “we,” “us,” and “our” mean Celtic Bank, its successors and any subsequent holder or assignee of loans made by Celtic Bank, as well as any designated service provider to Celtic Bank, its successors and any subsequent holder or assignee of loans made by Celtic Bank. You are entitled to receive certain disclosures if you apply for and obtain this closed end loan (the “Loan”), including disclosures related to: (i) our response to your Loan application (ii) any authorization or instructions you may give us, your employer, and your financial institution about the disbursal and repayment of your Loan (iii) our explanation about how nonpublic personal information about you may be collected, shared and used by us and other parties (iv) the promissory note that explains your rights and responsibilities in connection with the Loan, including but not limited to the promise to pay the Loan and the Arbitration Provision contained in the promissory note or revolving line of credit agreement and (v) the servicing and collection of any Loan you receive (collectively, the “Disclosures”). To apply for and obtain this Loan, your consent to use and accept certain signatures, records, and Disclosures in electronic form is required. This consent applies to the Disclosures, any application you submit for a Loan, and any Loan made to you. For services you receive through this website, we may provide Disclosures to you directly through the website, we may send Disclosures to you at the most recent email address we maintain for you in our records, or both.

Certification of Information

You certify that all information in your application for a Loan made by Celtic Bank is true, correct, complete and given for the purpose of obtaining the Loan. You understand and agree that we may obtain consumer credit reports about you as permitted by law in connection with originating, reviewing, collecting, and servicing the Loan. You authorize us to verify information in your application with an employer, financial institution, or a third party that can verify such information, and authorize those parties to disclose information at our request to verify this information and as otherwise permitted by law and any Loan agreement between you and us. Our Privacy Policy explains how your nonpublic personal information may be used and shared and explains your privacy rights. Please review this notice for more details. Paper Copies of Disclosures

If you consent to the electronic delivery of the Disclosures, you may print a paper copy of those Disclosures. You may also receive a paper copy of any Disclosure provided to you electronically by writing to Celtic Bank, c/o FinFit Ops, LLC, 272 Bendix Road, Suite 525, Virginia Beach, VA 23452 or by calling toll free at 888-***-****. There is no fee for paper copies of these Disclosures. Withdrawing Consent to Electronic Delivery

You may withhold your consent for electronic delivery of the Disclosures by exiting this website without completing and submitting your Loan application. If you withhold your consent for electronic delivery of the Disclosures, you cannot apply for the Loan through this website. If at any time after you obtain a Loan, you wish to withdraw your consent for electronic delivery of Disclosures, you may do so by sending your request in writing to Celtic Bank, c/o FinFit Ops, LLC, 272 Bendix Road, Suite 525, Virginia Beach, VA 23452 or by calling toll free at 888-***-****. If you decide to withdraw your consent for electronic delivery of Disclosures, any and all prior electronic Disclosures and records will remain legally effective, valid, and enforceable.

Hardware and Software Requirements

To access, electronically sign and keep Disclosures that are provided to you electronically, you will need a working computer or other mobile device that provides you with secure access to the Internet and an Internet software browser program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla® Firefox. To read some Disclosures, you will need the ability to view HyperText Markup Language (HTML) files and you may need a PDF (Portable Document Form) file reader, such as Acrobat Reader Xpdf® or Foxit®. If these requirements change while you are maintaining an active relationship with us, and the change creates a material risk that you may be unable to receive Disclosures electronically, we will notify you of these changes. You will need a printer or long term storage device, such as your computer’s disk drive, to keep or print a copy of the Disclosures for future reference. You must be able to read and receive our email messages at a valid and working email address that contain Disclosures and information about the Loan. We will contact you using your last known email address. To contact us with questions about hardware and software requirements, please contact us by writing to Celtic Bank, c/o FinFit Ops, LLC, 272 Bendix Road, Suite 525, Virginia Beach, VA 23452 or by calling toll free at 888-***-****. To verify that you have the necessary hardware and software, try to save or print a copy of this screen. If what you save or print looks like what you see on the screen, you have the necessary hardware and software. By giving your consent below, you are confirming that you have access to the necessary hardware and software and that you are able to receive, open, and print or keep the Disclosures for your records. Updating Email Address

You are responsible for informing us about your current email address so we can communicate with you electronically. If you provide us with an email address in your Loan application, you should notify us of changes in such address by writing to Celtic Bank, c/o FinFit Ops, LLC, 272 Bendix Road, Suite 525, Virginia Beach, VA 23452 or by calling toll free at 888-***-****. If we send Disclosures to you electronically but you do not receive them because your email address on file is incorrect, out of date, blocked by your service provider or for other reasons outside our control, you understand and agree that we will be deemed to have provided the Disclosures to you if we send those Disclosures to you at your last known email address. Please confirm that your spam filter does not block or re route the email messages we send to you. CONSENT AND ACKNOWLEDGEMENT

Please read this information carefully and print or save a copy for future reference. By providing your User Name and Password and checking the “Yes, I consent to electronic disclosures and the use of electronic signatures” box below: (i) you acknowledge that you are able to and did receive, read and understand this Consent for Use of Electronic Records and Signatures, our Privacy Policy, and the disclosures made with your Loan application and (ii) you consent to use and accept electronic signatures with the same force and effect as a manual signature, records, and Disclosures described in this notice, when those Disclosures are made through this website, the email address provided in your application, and any updated email address you provide using the procedures described above. Yes, I consent to the use of electronic records and electronic signatures. No, I do not consent to the use of electronic records and electronic signatures or I do not have the hardware or software needed to complete this transaction electronically. I understand that I may be unable to obtain a loan from Celtic Bank if I check this box. Brittany Vines

Signature

3/29/2022

Date

PROMISSORY NOTE AND DISCLOSURE STATEMENT

Lender

Celtic Bank, a Utah industrial bank, 268 South State Street, Suite 300, Salt Lake City, UT 84111

Date

3/29/2022

Loan No.

279505

Borrower Information

Name: Brittany Lee Vines

Address: 2709 Coldwater Street Connelly Springs, NC 28612 SSN: xxx xx 6051

Truth in Lending Act Disclosures

ANNUAL

PERCENTAGE

RATE

FINANCE CHARGE

The cost of your credit

as a yearly rate.

The dollar amount the

credit will cost you.

66.41% $104.74

Amount Financed Total of Payments

The amount of

credit provided to

you or on your

behalf.

The amount you will have

paid after you have made all

payments as scheduled.

$1000.00 $1104.74

Your Payment Schedule will be:

Number of Payments Amount of Payments When Payments are Due 6 $157.82 Bi Weekly beginning 4/12/2022

1 $157.82 7/5/2022

Late Charge: If a payment is late by 10 days or more, you will be charged $30.00 or 5% of the unpaid amount of the scheduled payment, whichever is greater. Prepayment: If you pay off early, you will not have to pay a penalty and you may be entitled to a refund of part of the prepaid finance charge.

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

“e” means an estimate

Itemization of Amount Financed:

(1) Amount given to you $689.21

(2) Amount paid on your account $0.00

(3) Amount paid on your behalf to FINFIT FUNDING 1, LLC $310.79

(4) Administration and set up fee paid to FinFit Ops, LLC $25.00

(5) Loan origination fee $63.83

(6) Principal Balance (1 + 2 + 3 + 4 + 5 = 6) $1088.83

(7) Prepaid finance charge $88.83

(8) Amount Financed (6 – 7 = 8) $1000.00

1. DEFINITIONS. In this Promissory Note and Disclosure Statement ("Agreement"), the words "you" and "your" mean each borrower who signs the Agreement. The words "we," "us" and "our" mean Celtic Bank, a Utah industrial bank, its successors and any subsequent holder or assignee of the Agreement, as well as any designated service provider to Celtic Bank, its successors and any subsequent holder or assignee of the Agreement.

2. PROMISE TO PAY. You promise to pay to us, in immediately available United States currency, the Principal Balance shown in the Itemization of Amount Financed, plus periodic rate FINANCE CHARGES (“interest”) accruing at the rate of nine point five percent

(9.5%) per year on the unpaid Principal Balance of your loan until all amounts due under this Agreement are paid in full. Interest will be calculated on a daily simple interest basis based on the outstanding Principal Balance each day during the term of the Agreement. The daily interest rate will equal the annual interest rate divided by 365. The interest rate in the Agreement will be used to calculate interest during the entire term of the Agreement and, except as prohibited by applicable law, following the maturity of or any default under the Agreement. The total FINANCE CHARGES you pay in connection with this Agreement may vary, if you make payments before or after their scheduled due dates. You promise to make payments to us in the number, amounts, and times shown in the Payment Schedule for this Agreement. You promise to make payments to us at the following address or any different address we may provide after the date of this Agreement: Celtic Bank, c/o FinFit Ops, LLC, Attn: Payment Processing, 272 Bendix Road, Suite 525, Virginia Beach, VA 23452. All sums due under this Agreement must be paid without demand, notice, or claim of set off. You also agree to pay the additional fees, charges, and amounts according to the terms and conditions of this Agreement, including but not limited to the loan origination fee (a FINANCE CHARGE) described in Section 4 below.

3. LOAN ORIGINATION FEE AND ADMINISTRATION AND SET UP FEE. You agree to pay us the loan origination fee shown in the Itemization of Amount Financed. You understand and agree that the portion of this loan origination fee equal to five percent (5%) of the Principal Balance is non refundable and fully earned when we make the loan. Any additional amount due for this loan origination fee is considered earned proportionally over the entire term of this Agreement and, if you prepay the Agreement in full before the date on which your last scheduled payment is due, we will rebate to you any unearned portion of this additional amount on a pro rata basis for the remaining term of the Agreement. You also agree to pay the third party administration fee shown in the Itemization of Amount Financed. You understand and agree the fees we pay to third parties in connection with setting up your loan are not subject to rebate, unless we become entitled to a rebate from the third party of any part of the fee following prepayment in full. 4. PREPAYMENT. You have the right to make payment in advance and in any amount on this Agreement at any time, without penalty. If you make a partial prepayment of the Agreement at any time, you understand that you must make payments after that in the amounts and at the times scheduled and required by the Agreement. If you pay the full amount due under the Agreement before the date on which your last scheduled payment is due, you understand and agree that the amounts we refund or rebate to you will be limited to the unearned portion of any charges that are considered earned proportionally over the entire term of the Agreement and subject to rebate under applicable law.

5. LATE PAYMENT CHARGE. If a payment is late by 10 days or more, you will be charged $30.00 or 5% of the unpaid amount of the scheduled payment, whichever is greater.

6. RETURNED PAYMENT (NSF) CHARGE. To the extent allowed by law, you agree to pay a $20.00 service charge to us if you make a payment by check or other payment instrument that is not honored by your depository institution. 7. EVENTS OF DEFAULT REMEDIES. Except as limited by applicable law, you understand and agree that an event of default under this Agreement will occur if (a) you do not pay the full amount of any scheduled payment when it is due (b) you exercise any unexpired right to cancel a transaction with a third party that administers and sets up the loan in the time and manner required by any such transaction or (c) or if you do not keep any of your promises under this Agreement and we determine that the prospect of your payment or performance is significantly or materially impaired. You agree that, in event of a default, we shall have the right to take any action and pursue any remedy permitted by law to collect the amount due, subject to any notices to which you may be entitled or rights you may have under applicable law. Our remedies are cumulative and we may pursue them in any order or combination we choose. Our remedies include, but are not limited to, our right to require you to make immediate payment of the entire unpaid balance due under the Agreement, after we give you any notice and wait any time period that may be required by applicable law. To the extent allowed by law, you agree to pay any reasonable attorney’s fees we incur if we refer your account for collection by an attorney who is not our salaried employee.

8. NOTICES ADDRESS CHANGES. Any notice we are required to provide under this Agreement or applicable law will be declared reasonable if sent to you at your address shown above by regular U.S. mail or if sent to you electronically in the manner authorized through any consent you provided for the use of electronic records. You must tell us at once if there is any change made to your mailing address or to the email address we use to send electronic communications to you about the Agreement. To notify us of these changes, you may write to us at Celtic Bank, c/o FinFit Ops, LLC, Attn: Customer Service, 272 Bendix Road, Suite 525, Virginia Beach, VA 23452 call us at 888-***-**** or notify us through the website where you obtained the loan and information about the loan

(www.FinFit.com).

9. GOVERNING LAW. You understand and agree that Celtic Bank is located in the State of Utah and that Celtic Bank has accepted this Agreement and made the loan evidenced by this Agreement from its offices in Utah. This Agreement shall be construed under and governed by the federal laws that apply to Celtic Bank and, to the extent not preempted by federal law, by the laws of the State of Utah, without regard to its conflicts of law provisions. Section 22 of the Agreement is governed by the Federal Arbitration Act and not by a state law governing arbitration.

10. WARNING: This loan is intended to address short term, not long term, credit needs. The loan is designed as a short term cash flow solution and not designed as a solution for longer term financial problems. Repeated or frequent use can create serious financial hardships. You should evaluate the costs and benefits of all alternatives before borrowing. Other forms of short term credit that may be less expensive include a loan from another institution or from family or friends, a credit card cash advance, an account with overdraft protection, or a salary advance. Credit counseling services are available to consumers experiencing financial problems. We do not provide these services.

11. THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION. The arbitration provision limits your right to file suit against us. By signing this Agreement, you acknowledge that it was filled in before you did so and that you have received a completed copy of it. You agree that the information you provided to us before entering into this Agreement is accurate. You also warrant that you are not a debtor under any proceeding in bankruptcy and have no present intention to file a petition for relief under any chapter of the United States Bankruptcy Code. You further acknowledge that you read, understand, and agree to all of the terms and conditions on all pages of this Agreement, including any debit authorization and Section 22 below entitled “WAIVER OF JURY TRIAL AND ARBITRATION PROVISION.”

The arbitration provision, including the waiver of jury trial, does not apply to you if you are a member of the active military, or a spouse or dependent of a member of the active military, and your loan is subject to the provisions of the Military Lending Act, 10 U.S.C. § 987, and its implementing regulations, 32 C.F.R. § 232.1, et seq. (“MLA”). If you are protected by the MLA, by signing this Agreement you understand and agree that the waiver of jury trial and arbitration provision does not apply to you. 12. WAIVER. Unless applicable law or this Agreement provides otherwise, we are not required to: (a) demand payment of amounts due (b) give notice that amounts due have not been paid, or have not been paid in the appropriate amount, time, or manner or (c) give notice that we intend to make, or are making, this Agreement immediately due. Our failure to exercise any right or remedy available under this Agreement or applicable law shall not constitute a waiver of such right or remedy and shall not alter, reduce, or release your obligations to us under this Agreement.

13. ENFORCEABILITY AND VALIDITY. Wherever possible, each provision of this Agreement shall be interpreted in such a manner as to be effective and valid under applicable law. If a court or arbitrator decides that any part of the Agreement is invalid or unenforceable, you and we agree that the rest of the Agreement will remain binding and effective. The unenforceability or invalidity of any portion of this Agreement shall not make the remaining portions of the Agreement unenforceable or invalid. 14. CUSTOMER INFORMATION, CHANGES AND VERIFICATIONS. You must tell us at once if you change your name, address or employment. To notify us of these changes, you may write to us at Celtic Bank, c/o FinFit Ops, LLC, Attn: Customer Service, 272 Bendix Road, Suite 525, Virginia Beach, VA 23452 call us at 888-***-**** or notify us through the website where you obtained the loan and information about the loan (www.FinFit.com). You agree to provide us with all financial information we need about you from time to time. You agree to respond promptly to any request we make for financial information about you. You agree to notify us of any changes in your income and/or employment. You authorize us to obtain consumer credit reports about you to review your request for credit and in the future to review, update, renew, collect, and service your Agreement and for other purposes permitted by law. We will, if you request, tell you whether we obtained a consumer credit report about you and tell you the name and address of any consumer reporting agency that provided the report. You agree that we may verify your employment, income, address, and all other information about you with other creditors, credit reporting agencies, employers, financial references, government agencies, and other third parties. You waive any rights of confidentiality you may have in this information and authorize the disclosure and use of this information as described in this Agreement, to the extent permitted under applicable law. 15. INFORMATION FURNISHED TO CONSUMER REPORTING AGENCIES. We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you believe we have reported inaccurate information about you to a credit reporting agency, notify us in writing at: Celtic Bank, c/o FinFit Ops, LLC, Attn: Customer Disputes, 272 Bendix Road, Suite 525, Virginia Beach, VA 23452. In doing so, please identify yourself, this Agreement, and the information you believe is inaccurate, and tell us why you believe the information is incorrect. If you have supporting documents or information, such as a copy of a credit report that includes information you believe is inaccurate, please send us the supporting documents and information, too.

16. PAYMENT PROCESSING ITEMS WITH RESTRICTIONS. We may accept and process payments without losing any of our rights. We may resubmit and electronically collect returned payments. An “Item” means a check, draft, money order or other negotiable instrument you use to make a payment, including any image of these instruments. When you provide an Item as payment, you authorize us either to use information from your Item to make a one time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your Item to make an electronic funds transfer, funds may be withdrawn from your deposit account as soon as the same day your payment is received and you will not receive your Item back from your financial institution. You may contact us and ask that we not process your future Items in this way. If we process the payment as a check transaction, you understand and agree that we may convert your Item into an electronic image that can be collected from your depository institution as a substitute check. We will not be responsible if an Item you provide has physical features that, when imaged, result in it not being processed as you intended. Any Item that has restrictive words, conditions, limitations or special instructions (including Items marked with the words “Paid in Full” or similar language), and all accompanying communications about any disputed debt, must be mailed to us at Celtic Bank, c/o FinFit Ops, LLC, Attn: Customer Disputes, 272 Bendix Road, Suite 525, Virginia Beach, VA 23452. If you make your payment or send any accompanying communications to any other address, we may accept and process the payment, without losing any of our rights. 17. CONSENT FOR COMMUNICATIONS TELEPHONE MONITORING. By providing at any time the number of your land line, cell phone or other wireless device and your email address, you expressly consent and agree that we and any of our affiliates, agents, service providers or assignees may call you, using an automatic telephone dialing system or otherwise, leave you a voice, prerecorded, or artificial voice message, or send you a text, e mail or other electronic message for any purpose related to the servicing or collection of your loan or for other informational purposes related to your loan (each a “Communication”). You agree that we and any of our affiliates, agents, service providers or assignees may call or text you at any telephone number associated with your loan that you provide to us now or in the future, including cellular telephone numbers, and that we may send an e mail to any email address associated with your loan that you provide to us now or in the future. If you do not want to receive Communications sent to a cellular telephone using an automatic telephone dialing system or a prerecorded or artificial voice message, please write to us at Celtic Bank, c/o FinFit Ops, LLC, Attn: Customer Service, 272 Bendix Road, Suite 525, Virginia Beach, VA 23452 or call us at 888-***-****. If you change your telephone number, please contact us at 888-***-**** so that we can update your account information. You also agree that we and any of our affiliates, agents, service providers or assignees may include your personal information in a Communication. We will not charge you for a Communication, but your service provider may. In addition, you understand and agree we and any of our affiliates, agents, service providers or assignees may always communicate with you in any manner permitted by law that does not require your prior consent. You agree that we may monitor and record any telephone calls to assure the quality of our service or for other reasons.

18. ASSIGNMENT CORRECTIONS. You may not assign this Agreement or delegate any of your rights or duties. We may assign this Agreement at any time. If we collect any interest, fee, or charge in excess of the amounts permitted by law and this Agreement, you agree that we may reduce such interest, fees or charges to the amount needed to comply with the Agreement and/or applicable law, and that we may refund the amounts due to you by applying a credit to reduce the amount you owe under the Agreement or, for a loan that has been paid in full, by mailing a refund to you at your last known address in our records. You agree to cooperate fully with us in our efforts to adjust any typographical, computer, calculation or clerical errors discovered in the Agreement, to the extent and in the manner permitted by law. If this happens, you will be notified and receive confirmation of any errors that may be corrected and adjusted through this procedure.

19. MILITARY LENDING ACT. The MLA provides protections for certain members of the Armed Forces and their dependents

(“Covered Borrowers”). This section applies to Covered Borrowers under the MLA. If you would like more information about whether you are a Covered Borrower and whether this section applies to you, please contact us at 888-***-****. Statement of MAPR. 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 dependent may not exceed an Annual Percentage Rate of 36%. This rate must include, as applicable to the credit transaction or account: (1) the costs associated with credit insurance premiums (2) fees for ancillary products sold in connection with the credit transaction (3) any application fee charged (other than certain application fees for specified credit transactions or accounts) and (4) any participation fee charged (other than certain participation fees for a credit card account). Oral Disclosures. In order to hear important MLA disclosures and payment information provided in this Agreement, please call 888-***-****.

Covered Borrowers. If you are a Covered Borrower, any waiver of your right to legal recourse under any state or federal law, and any other provision in this Agreement that is not enforceable against you under the MLA, does not apply to you 20. STATE NOTICES.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to New Hampshire Residents: This Agreement provides for reasonable attorney’s fees to be awarded to us in an action against you that involves this Agreement. Reasonable attorney’s fees will be awarded to you if you prevail in any action, suit or proceeding brought by us or an action brought by you. If you successfully assert a partial defense or set off, recoupment or counterclaim to an action brought by us, the court may withhold from us the entire amount or such portion of the attorneys’ fees as the court considers equitable.

Notice to New Jersey Residents: The section headings of this Agreement are a table of contents and not contract terms. Portions of this Agreement that refer to actions to the extent of applicable law apply to acts or practices that New Jersey law permits or requires. In this Agreement, acts or practices (i) by you that are or may be permitted by “applicable law” are permitted by New Jersey law and (ii) that may or will be taken by you unless prohibited by “applicable law” are permitted by New Jersey law. Notice to Married Wisconsin Residents: Wisconsin law provides that no agreement, unilateral statement or court decree relative to marital property shall adversely affect a creditor’s interest, unless prior to the time credit is granted the creditor is furnished a copy of the agreement, statement or decree, or has actual knowledge of the adverse provision. If you are a married Wisconsin resident, you agree to provide us with your spouse’s name

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