Truth-in-Lending Promissory Note Summary

PROMISSORY NOTE

Transform Credit Inc. d/b/a Together Loans (hereafter referred to as "Together Loans") Credit Contract for Gary Wright

Loan Reference; 0616133232070712070635

Borrower Name; Gary Wright

Borrower Address; 411 Pine St, GREENSBORO NC 27401 Creditor Name: Together Loans

Creditor Business Address;

Together Loans

332 S Michigan Ave, Floor 9

Chicago, Illinois, 60604

FEDERAL TRUTH-IN-LENDING DISCLOSURES

ANNUAL

PERCENTAGE RATE

(APR)

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 All Payments

The amount you will have

paid after you have made all

the payments as scheduled.

30.00% $ 3,169.20 $ 6,000.00 $ 9,169.20

Your payment schedule will be:

Number of Payments Amount of Payments When Payments Are Due 36 $ 254.70 Monthly, starting 30 days after the loan is disbursed to your guarantor. Prepayment: You have the right to pay off this agreement early. If you do so, you will not have to pay a penalty. Other Terms: Please read this agreement for additional information on security interests, nonpayment, default, and our right to require repayment in full before the scheduled maturity date. All numerical disclosures except the late payment disclosure are estimates. The above is an estimate based on your first payment being 30 days after your loan was disbursed to your guarantor and your monthly payments being paid exactly a month apart

Itemization of the amount financed:

Amount disbursed to your guarantor; $ 6,000.00

Loan proceeds paid on your account; $0.00

Amount paid to public officials; $0.00

Amount paid to others; $0.00

Prepaid finance charge; ($0.00)

= Amount financed: $ 6,000.00

AGREEMENTS

*** This loan is regulated by the provisions of the North Carolina Consumer Finance Act, located at Chapter 53, Articles 15 of the North Carolina General Statutes. ***

(1) DEFINITIONS:

Anyone who signs this instrument will be referred to herein as "I" or as "Payor." The Initial Payee is Together Loans. I understand that the Initial Payee may transfer this Note. The Initial Payee or anyone who takes this Note by transfer and who is entitled to receive payments under this Note will be called the "Lender." No obligation or rights I possess hereunder can be assigned or transferred without the prior written consent of the Lender.

(2) PROMISE TO PAY:

I promise to pay to the order of Lender, U.S. $6,000.00 (this will be called "principal"), plus interest thereon, from the date the loan is disbursed to my guarantor until paid in full as provided herein. This promise is guaranteed by the Guaranty and Indemnity provided by my guarantor. I acknowledge and agree that Lender will transfer, and I hereby instruct Lender to transfer, all funds disbursed in exchange for my promise to pay into my guarantor’s bank account as a way to help protect against identity fraud. I will be responsible for arranging for the transfer of the funds from my guarantor to me. All payments due under this Note shall be made in U.S. currency. I will make all payments under this Note in the form of check or money order, electronic funds transfer, or by credit or debit card payment as contemplated under Section 3. If any check or other instrument received by the Lender as payment under this Note is returned to the Lender unpaid, the Lender may require that any or all subsequent payments due under this Note be made in one or more of the following forms: (a) electronic funds transfer; (b) credit or debit card;

(c) money order; or (d) bank check, treasurer’s check or cashier’s check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity.

(3) PAYMENT AUTHORIZATION:

I authorize Together Loans and its authorized loan servicer(s), agents, and service providers (collectively, "the Lender," "we," or "us"), to debit my designated bank account via ACH and/or debit/credit card for repayment of the loan as detailed in my loan contract. I consent to use the payment details provided, to collect any due payment(s) owed until my debt hereunder is paid. I also authorize the processing of credits where necessary, including for the correction of debit processing errors.

Debits will be entered in amounts equal to the scheduled loan payments, on each such payment’s due date, as well as amounts up to and including any unpaid due payments(s) owed which could be entered on any such date after the payment(s) became due. Debits may also include any fees incurred on your loan as allowed in the loan contract. If an authorized debit is returned or rejected due to non-sufficient funds (NSF) or other reasons, I authorize the Lender, at its discretion, to attempt to process the charge again. This authorization remains in effect until I cancel it by notifying the Lender at least three (3) business days before my next scheduled payment. If I update my payment details or change my payment frequency, this authorization extends to the new payment information and frequency provided. I acknowledge and agree that providing a debit card or ACH authorization for recurring payments is not a condition of receiving credit under this Agreement. I may revoke this authorization at any time by contacting the Lender at *****@*************.*** or by informing an agent that I do not agree to these terms of electronic recurring payments prior to my loan payout. Any cancellation or update will be effective three (3) business days after the Lender receives my request. If a payment amount differs from the authorization outlined in this Agreement, I understand that the Lender will notify me at least ten (10) days in advance unless the change falls within the authorized scope of payments.

(4) INTEREST:

I will pay interest at a yearly rate of 30.00% calculated on the basis of 365 days a year. Interest will be charged on unpaid principal until the full amount of principal and any interest owing has been paid. The interest rate required by this Section 4 is the rate I will pay both before and after any default described in Section 6 and 9 of this Note.

Balance is what you owe. Every day interest is calculated on your balance, at a rate of 30.00%. If you pay early or make extra payments, you will pay less interest, because your balance will be lower. The loan may take less time to pay off, and the total you will pay will be less. If you pay late, you will pay more interest, because your balance will be higher, for longer. The loan may take longer to pay off, and the total you will pay will be more.

(5) PAYMENTS:

(A) Time and Placement of Payments

My first payment will be 30 days from the Lender disbursing the loan to my guarantor. I will make subsequent payments on the same day of each following month. When the monthly payment date is not a Business Day, the payment will be due, without premium or penalty, on the next Business Day thereafter. "Business Day" means a day on which most banks are open and the Initial Payee is open for business. I will make these payments every month until I have paid all of the principal and interest and any other charges, described below, that I may owe under this Note. If, at the end of the loan, I still owe amounts under this Note, I will pay all those amounts, in full, on that date.

(B) Amount of Monthly Payment

Each of my monthly payments will be in the amount of U.S. $ 254.70 Each monthly payment will be applied to interest before principal. By accepting partial payment of any payment, Lender does not waive the right to collect the remainder of said payment or to require at any future time payments sufficient to bring my obligations under this Note current. Acceptance of any payment after maturity, or waiver or condonation of any breach or default hereunder shall not constitute a waiver of any later or other breach or default, and failure of Lender to exercise any of its rights hereunder shall not constitute waiver of such rights. No principal amount repaid may be reborrowed.

(C) Receipt of Payments

Payments are deemed received by the Lender when received at the location designated in this Note or at such other location as may be designated by the Lender in accordance with the notice provisions in Section 18. Payments in immediately available funds received by Lender in the place designated for payment prior to 5:00 p.m. Eastern Standard Time on a Business Day shall be credited prior to the close of business on the Business Day received. Payments received by Lender on a day other than a Business Day or after 5:00 p.m. Eastern Standard Time on a Business Day shall not be credited until the next succeeding Business Day.

(D) Partial Payments

The Lender may accept any payment or partial payment insufficient to bring my obligations under this Note current. No offset or claim which I might have now or in the future against the Lender shall relieve me from making payments due under this Note or performing the covenants and agreements set forth in this Note.

(E) Application of Payments or Proceeds

Except as otherwise described in this Subsection (E), all payments accepted and applied by the Lender shall be applied first to interest due under this Note and then to principal due under this Note. Such payments shall be applied to each monthly payment in the order in which it became due. Any remaining amounts shall be applied first to non-principal amounts due under this Note and then to reduce the principal balance. If more than one monthly payment is outstanding, the Lender may apply any payment received from me to the repayment of the monthly payments if, and to the extent that, each monthly payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more monthly payments, such excess may be applied to any non-principal amounts due.

(F) Unconditional Payment

I agree to pay all principal, interest and any and all other amounts which become payable under this note absolutely and unconditionally, and without any abatement, postponement, diminution or deduction, and without any reduction for counterclaim or setoff.

(6) FAILURE TO PAY AS REQUIRED:

DEFAULT: You will be in default if (i) you have an outstanding amount of one full payment or more which has remained unpaid for more than 10 days after the scheduled or deferred due date, (ii) you fail to observe or perform any other covenants or duties contained in this Agreement if the failure materially impairs the condition, value or protection of Lender’s right in any collateral securing this Agreement, or materially impairs your ability to pay any of the obligation when due.

LENDER’S RIGHTS IN THE EVENT OF DEFAULT: In the event of default and, if you have the right to cure the default (pursuant to applicable state law), you fail to cure the default within 20 days after you are given notice of the default, the lender may declare the whole outstanding balance due under this agreement payable at once and proceed to collect it, including commencing legal action and repossessing collateral.

(7) PAYMENTS BEFORE THEY ARE DUE:

I have the right to make payments of principal at any time before they are due. A payment of principal only is known as a "prepayment." When I make a prepayment, I will tell the Lender that I am doing so. A prepayment of all unpaid principal is known as a "full prepayment." A prepayment of only part of the unpaid principal is known as a

"partial prepayment." I may make a full prepayment or a partial prepayment at any time without paying any penalty. The Lender will use all of my prepayments first to pay any unpaid interest and other non-principal amounts that I owe and then to reduce the amount of principal that I owe under this Note. Partial prepayments shall be applied by Lender to the payment of unpaid principal owed on this Note at the time of the partial prepayment and all remaining scheduled payments dues under this Note shall continue to be paid when due unless I instruct Lender otherwise. If I make a full prepayment, I must inform the Lender of the date on which I plan to do so.

(8) WAIVERS:

EXCEPT AS SPECIFICALLY PROVIDED TO THE CONTRARY, I WAIVE AND RELINQUISH PRESENTMENT FOR PAYMENT, DEMAND, NOTICE OF NONPAYMENT OR NONPERFORMANCE, PROTEST, NOTICE OF PROTEST, NOTICE OF INTENT TO ACCELERATE, NOTICE OF ACCELERATION OR ANY OTHER NOTICES OF ANY OTHER ACTION. I WAIVE AND RELINQUISH, TO THE FULLEST EXTENT PERMITTED BY LAW, ALL RIGHTS TO THE BENEFITS OF ANY MORATORIUM, REINSTATEMENT, MARSHALING, FORBEARANCE, VALUATION, STAY, EXTENSION, REDEMPTION, APPRAISEMENT, EXEMPTION AND HOMESTEAD NOW OR HEREAFTER PROVIDED BY THE CONSTITUTION AND LAWS OF THE UNITED STATES OF AMERICA AND OF EACH STATE THEREOF, BOTH AS TO MYSELF, AND IN, AND TO ALL MY PROPERTY, AGAINST THE ENFORCEMENT AND COLLECTION OF THE OBLIGATIONS EVIDENCED BY THIS AGREEMENT.

"Right to presentment" means the right to require the Lender to demand payment of amounts due. "Right to notice of dishonor" means the right to require the Lender to give notice to other persons that amounts due have not been paid.

(9) EVENTS OF DEFAULT:

Except as expressly prohibited by applicable law, and separate to the events outlined in provision (6), I will also be in default under this Note and the Lender can require immediate payment of the entire outstanding balance, plus accrued interest, if;

- I commit fraud or make a material misrepresentation, whether by action or omission, in connection with this Note or the transaction of which it is a part. The transaction referred to in the preceding sentence includes, without limitation, the negotiation and application process that resulted in the forbearance described in Section 8.

- I fail to meet the repayment terms set forth in this Note or any other covenant or agreement contained herein is breached.

- I file a petition for bankruptcy or a proceeding regarding bankruptcy, receivership, or insolvency is commenced against me or my property;

- I agree with any other creditor to pay less than the full amount that I owe to that creditor;

- I die or am declared legally incompetent;

- My guarantor cancels the Guaranty and Indemnity. The foregoing events each will be known as an "Event of Default" and will be known collectively along with the events outlined in provision (6), as "Events of Default." if the event materially impairs the lender’s right in any collateral or materially impairs your ability to pay any of the obligation when due.

(10) RECOURSE, REMEDIES, ACCELERATION, ATTORNEY FEES, SET OFF: I acknowledge that my obligations under this Note are full recourse obligations and that I am liable for full payment of the amounts that I am required to pay under this Note. If the Lender sues me for default under this agreement, they may request an award of statutory costs and attorney fees as permitted by applicable law. If their request is granted, I will be required to pay these fees. Other actions that Lender may take after any Event of Default include;

- Obtaining payment from my Guarantor;

- Reporting the default to consumer reporting agencies who supply information to other credit providers;

- Taking court action against both me and/or my Guarantor; and

- Exercising any of Lender’s other rights, powers, recourses and remedies under this Note, or at law or in equity. The Lender can delay or refrain from enforcing any of its rights under this agreement, or at law or in equity, without losing them. If the Lender elects not to exercise or enforce any of its rights, such election shall not be deemed a waiver of any of those rights. For example, the Lender can extend the time for making some payments without extending others. Similarly, even if the Lender does not require me to pay immediately in full at a time when I am in default, the Lender still shall have the right to do so if I am in default at a later time. No such failure to accelerate the indebtedness shall be construed as a novation of this Note, as a reinstatement of the indebtedness evidenced by this Note, or as a waiver of Lender’s right to insist on strict compliance with the terms of this Note. No extension of the time for the payment of this Note or any installment due hereunder, made by agreement with any person now or hereafter liable for such payment, shall operate to release, discharge, modify, change or affect my original liability under this Note, either in whole or in part, unless the Lender expressly agrees otherwise in writing.

(11) INTERSTATE COMMERCE, GOVERNING LAW, WAIVER OF JURY TRIAL AND ARBITRATION PROVISION, AND ENFORCEABILITY:

I agree that this Note involves interstate commerce for all purposes. This Note will be governed by the laws of the State of NC, except that the separate binding Waiver of Jury Trial and Arbitration Provision is governed by the Federal Arbitration Act. The Waiver of Jury Trial and Arbitration Provision will be signed separately and applies to this Note and the Guaranty by the guarantor. I agree that service of process upon me may be made by certified or registered mail, return receipt requested, at my address, as specified above. Nothing shall limit the Lenders right to serve process in any other way permitted by law.

No interest, charge, or receipt by us is intended to exceed lawful amounts. If a law which sets maximum charges is finally interpreted so that the interest or other charges collected under this note exceed the permitted limits, any such charge shall be reduced by the amount required to fall within the permitted limit. Any amount already collected from me which exceeded permitted limits will be refunded to me. The Lender may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces principal, it will be treated as a partial prepayment.

(12) CLASS ACTION WAIVER, MASS ACTION WAIVER: I AGREE TO CONDUCT ANY DISPUTE RESOLUTION PROCEEDING ON AN INDIVIDUAL BASIS ONLY. I WAIVE MY RIGHT TO DO ANY OF THE FOLLOWING: A. SERVE AS A PRIVATE ATTORNEY GENERAL OR IN A REPRESENTATIVE CAPACITY; B. BE IN A LAWSUIT OR DISPUTE WHERE THIS IS MORE THAN ONE PLAINTIFF OR PETITIONER, UNLESS THE ADDITIONAL PLAINTIFF OR PETITIONER IS A CO-BORROWER, A CO-OWNER, GUARANTOR OR ANOTHER PERSON THAT WOULD BE DEEMED AN "INDISPENSABLE PARTY" TO SUCH PROCEEDING; C. BRING OR BE A CLASS MEMBER IN A CLASS ACTION OR CLASS ARBITRATION; D. JOIN, COMBINE, OR CONSOLIDATE (OR PERMIT TO BE JOINED, COMBINED, OR CONSOLIDATED) A DISPUTE I HAVE WITH A DISPUTE INVOLVING OR BROUGHT BY ONE OR MORE OTHER CONSUMERS (OR THEIR GUARANTORS) OR BORROWERS OF THE LENDER; AND

E. PARTICIPATE IN ANY WAY IN ANY DISPUTE RESOLUTION PROCEEDING THAT IS A "MASS ACTION." IF ANY WAIVER OR ANY PART OF ANY WAIVER BY ME CONTAINED IN THIS PARAGRAPH IS PROHIBITED BY LAW, LENDER AND I AGREE THAT THIS PROVISION IS SEVERABLE, DOES NOT AFFECT ANY OTHER PROVISION OF THIS NOTE, AND I SHALL NOT BE ENTITLED TO RECOVER ANY ATTORNEYS' FEES OR COSTS ASSOCIATED WITH MY PURSUIT OR PARTICIPATION IN THE CLASS ACTION, REPRESENTATIVE ACTION, OR "MASS ACTION," EVEN IF SUCH FEES OR COSTS MAY BE AWARDED TO ME UNDER ANOTHER SECTION OF THIS NOTE.

THIS CLASS ACTION WAIVER DOES NOT APPLY TO ANY CONSUMER CREDIT TRANSACTION WITH A BORROWER WHO IS A ‘COVERED BORROWER’ AS DEFINED UNDER MILITARY LENDING ACT (10 U.S.C. § 987 AND 32 C.F.R. PART 232).

(13) PERSONAL LIABILITY, JOINT AND SEVERAL LIABILITY: I am fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. If more than one person signs this Note, each of us shall be jointly and severally liable to keep all of the promises herein.

(14) TIME IS OF THE ESSENCE:

Time is of the essence with respect to all provisions of this Note.

(15) HEADINGS:

The headings and titles in this Note are inserted for convenience of reference only and shall in no way alter, modify, define, limit, amplify or be used in construing the text, scope or intent of any provisions hereof.

(16) SEVERABILITY:

In the event that any provision of this Note is limited, restricted, prohibited or unenforceable under applicable law, such provision shall be construed and enforced as if it had been more narrowly drawn so as not to be in conflict with applicable law. The validity, legality and enforceability of the remaining provisions of this Note shall not in any way be affected or impaired thereby. If any part of this Note is determined to be invalid, then the Lender may enforce the remainder of this Note as if the invalid provision did not exist, to the extent not prohibited by NC state law. The Lender shall be afforded the full benefit of all of my waivers and contractual agreements made in connection with this Note which are permitted to be given under applicable law.

(17) GUARANTEE:

My repayment obligations under this Note are guaranteed by a separate Guaranty & Indemnity with the guarantor named therein.

(18) NOTICES AND COMMUNICATIONS:

I shall promptly (within seven days) notify the Lender of any changes to my home address, name, email address, payment card information, or any phone number that Lender uses to contact me. If the Lender specifies a procedure for reporting a change of such information, then I only shall report a change through that specified procedure. There may be only one designated notice address under this Note at any one time. Any notice to the Lender shall be given by delivering it or by mailing it by first class mail to the Lender’s address to which I send my monthly payments, unless the Lender has designated another address by notice to me. Any notice in connection with this Note shall not be deemed to have been given to the Lender until actually received by the Lender. If any notice required by this Note is also required under applicable law, the applicable law requirement will satisfy the corresponding requirement under this Note. If Lender needs to contact me, it will send all notices, information and statements to my last known address, which shall be the address shown on this Note unless Lender knows that I have moved. The Lender may send some notices to me via email, text message or phone instead. I hereby expressly consent to be contacted for such purposes at any email address or telephone number that I may provide to Lender and acknowledge and agree that any such communications may be placed with the assistance of an automated telephone dialing system or other automated technology. Any notice to me in connection with this Note shall be deemed to have been given to me when mailed by first class mail or when actually delivered to my notice address if sent by other means. Lender may record or monitor all communications with me, including telephone and video calls.

(19) CHANGE TO THIS NOTE:

Lender may make reasonable and proportionate changes to this Note to take account of:

- Market conditions;

- Changes in the cost of providing this service to me;

- Changes, or predicted changes, in legal or other requirements which affect the Lender; and/or

- Any changes to the Lender’s system or product development. However the Lender will not change the interest rate, day of repayment, term, or the amount I pay each month, without me specifically requesting that.

Lender will give me at least 30 days notice (by putting a message in my monthly statement, or by sending me a separate written notice or e-mail) of any change, unless it is a change that is to my advantage. If the change is to my disadvantage, I may, at any time during 60 days starting from the date Lender gives me notice, close my account by paying Lender the debt that I owe at that time. I will not have to pay any extra interest or charges for doing so. By executing this Note, I acknowledge that I have read this Note and that I agree to its terms and conditions.

(20) For Covered Borrowers:

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 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).

I may or my attorney may file a complaint with the commissioner. NOTICE TO CUSTOMER

(a) DO NOT SIGN THIS IF IT CONTAINS ANY BLANK SPACES.

(b) YOU ARE ENTITLED TO AN EXACT COPY OF ANY AGREEMENT YOU SIGN.

(c) YOU HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE DUE UNDER THIS AGREEMENT AND YOU MAY BE ENTITLED TO A PARTIAL REFUND OF THE FINANCE CHARGE. WITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED: Executed by; Gary Wright

Signature of Borrower;Gary Wright

Date of Signature: 4/10/2026 7:04:07 AM

Executed by; Transform Credit Inc. d/b/a Together Loans Signed on behalf of Together Loans

Date of Signature:

Contact this candidate