DATE: 4/5/2021

TRUTH IN LENDING DISCLOSURE STATEMENT

Lender Borrower
Cross River Bank Fermin Torres
885 Teaneck Road
Teaneck, NJ 07666

ANNUAL FINANCE CHARGE Amount Financed Total of Payments

PERCENTAGE RATE The dollar amount the credit The amount of credit The amount you will have
The cost of your credit
will cost you provided to you or on paid after you have made all
at a yearly rate
your behalf payments as scheduled
19.42%
$920.35(e.) $2,820.30 $3,740.65(e.)

Your payment schedule will be as follows:

Number of Payments Amount(e.) When payments are due

35 $103.98 First payment is due on 5/1/2021 (e.),
1 $101.35 and then monthly on the same date thereafter.

Late charges: If your payment arrives after your 3-day grace period, you will be charged a late fee in
the amount of $15. This fee is charged only once per late payment.

Prepayment policy: If you pay off your loan in advance, you will not be charged a penalty. In the event
of a prepayment, you will not be entitled to a refund of any pre-paid finance charges or other fees.

See your Loan Agreement for any additional information about nonpayment, default or other matters
related to your loan.

(e.) means estimate

Itemization of amount financed:

Amount of Your Loan: $3,000.00
Origination Fee: $179.70

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Amount Given to You Directly or your designee: $2,820.30

Annual Loan Interest Rate: 14.99%. Interest at this Loan Interest Rate plus the Origination Fee results
in the Finance Charge and Annual Percentage Rate disclosed above.

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