308844contract SD3.00

BUSINESS LOAN AGREEMENT
5020 S. Broadband Lane, Suite 100, Sioux Falls, SD 57108

(888) 730-1909 | clientservices@expansioncapitalgroup.com
This transaction is governed by the laws of the State of South Dakota. It is regulated by the Division of Banking,
1601 N. Harrison Avenue, Suite 1, Pierre, SD 57501, (605) 773-3421. Any improprieties in making the loan or in
loan practices may be referred to the Division.
LOAN SUMMARY
These Terms apply to This Agreement and Your Loan
4 STREAMS REALTY LLC

Borrower
DBA 4 STREAMS REALTY
11321 NORTHWOODS FOREST DR

Borrower Address
CHARLOTTE, NC 28214
Borrower Tax ID 83-2384041
$11,001.00
Disbursement Amount Note that the Disbursement Amount will be reduced by any amounts owed to Lender
from a prior loan or used to pay off an amount owed to a third-party lender.
Amount of Loan $11,400.00
Total Repayment Amount $16,758.00

All amounts due to Lender under your Loan are due and payable in full
Maturity Date 131 business days from the Loan Date.
130 payments of $128.00 due each business day beginning on the first business day after
the date (the “Loan Date”) the Loan Disbursement Amount is disbursed to Borrower,
Payment Schedule
followed by a final payment of $118.00 due 131 business days after the Loan Date.
Origination Fee: $399.00

Fees
Returned Payment Fee: $35.00
COMMERCIAL LOAN AND SECURITY AGREEMENT
This Commercial Loan and Security Agreement 1. Loan Authorization and Purpose.
(“Agreement”) governs your business loan (“Loan”) from Borrower agrees that the Loan made by Lender to
Expansion Capital Group, LLC (“ECG”). In this Agreement, Borrower shall be conclusively deemed to have been
the words “you,” “your” “Principal” and “Borrower” mean authorized by Borrower in accordance with Borrower’s
each individual or entity that is identified as the borrower charter, by-laws or other organization papers and
above and that signs this Agreement or on whose behalf governing documents. Borrower acknowledges it had
this Agreement is signed. The words “Lender”, “we”, “us”, options in obtaining financing from lenders other than
and “our” mean ECG or its successor(s) and assign(s). Lender, and has chosen to enter into this Agreement. The
“Loan” means all funds advanced to Borrower by Lender Loan proceeds may be used only by Borrower and only
under this Agreement. This Agreement is effective on in the ordinary course of Borrower’s business or
the date we accept this Agreement at our offices in commercial purposes, and not for any personal, family or
South Dakota. Borrower understands and agrees that household use, nor may the Loan proceeds be used to
Lender may postpone, without penalty, the make a loan to another party or to secure any other debt
disbursement of loan funds amounts to Borrower until or obligation. You understand and agree that (a) such
all required security interests have been perfected and intended business use of the Loan is a material factor in
Lender has received all required personal guarantees or Lender’s agreeing to make the Loan to you, and (b)
other documentation. You should keep a copy of this certain important duties imposed upon entities making
Agreement and all other related documents for your loans for consumer and household use, and certain
records.
Expansion Capital Group LLC | Proprietary & Confidential (v SD3.00) Page 1 of 22 Initials /
important rights granted to consumers under federal or be made in U.S. dollars. Borrower understands
state law, will not apply to the Loan or this Agreement. andagrees that payments made at any other address
Borrower also understands that Lender makes the Loan than as specified by Lender may result in a delay in
in reliance upon Borrower’s representations in this section processing and/or crediting. If Borrower makes an
because Lender may be unable to confirm independently alternative payment on the Loan by mail or by any
whether the use of the Loan conforms to this Section. pay-by-phone or on-line service that Lender makes
Borrower agrees that a breach by Borrower of the available while the Payment Schedule is in effect,
provisions of this section will not affect Lender’s right to (i) Lender may treat such payment as an additional
enforce Borrower’s promise to pay for all amounts owed payment and continue to process Borrower’s
under this Agreement, regardless of the purpose for scheduled payments or may reduce any scheduled
which the Loan is in fact obtained or (ii) use any remedy payment by the amount of any such additional
legally available to Lender, even if that remedy would not payment received, in Lender’s sole discretion. If
have been available had the Loan been made for Borrower’s Account does not contain sufficient funds
consumer purposes. for the Scheduled Payment, Borrower authorizes
Lender to effect a separate entry for the Returned
2. Disbursement of Loan Proceeds. Payment Fee listed above. This authorization is to
The Loan will be transmitted to Borrower’s bank account remain in full force and effect until we receive written
on the Loan Date set forth above. Amounts disbursed are notification from you terminating this authority in such
referred to in this Agreement as “Disbursement Amount.” time and manner as to afford us and your bank a
reasonable opportunity to act on it. Prepayment of
3. Promise to Pay. the Loan shall be governed by the provisions of the
Borrower agrees to pay Lender the Total Repayment Prepay Agreement, Attachment A ("Prepay
Amount in accordance with the Payment Schedule Agreement”), which is incorporated herein and made
shown above. a part hereof.
4. Payments. B. Application of Payments. Subject to South Dakota
Loan payments shall be effected as follows: law, Lender reserves the right to apply payments to
the Loan in any manner Lender chooses in Lender’s
A. Method of Payment. Borrower authorizes Lender sole discretion. In general, Lender will apply payments
in the form of Attachment B (“ACH Credit/Debit in the following order to: (1) any expenditures made by
Authorization Form”), which is incorporated herein Lender under this Agreement; (2) any Returned
and made a part hereof, to collect required payments Payment Fees; (3) interest, and (4) principal.
on a daily basis as provided above in the Payment
Schedule section for direct deposit (ACH Credit) or C. Postdated Checks, Restricted Endorsement
direct payments (ACH Debits) from Borrower’s bank Checks, and Other Disputed or Qualified Payments.
account listed in Borrower’s application (“Borrower’s Lender may accept late, postdated or partial
Account”) on the due dates or at any time thereafter, payments without losing any of Lender’s rights under
in accordance with NACHA rules, until the Loan is this Agreement. Lender is under no obligation to hold
paid in full. If Borrower knows that for any reason a postdated check and Lender reserves the right to
Lender will be unable to process a payment as process every item presented as if dated the same
outlined herein, then Borrower must promptly mail or date received by Lender or Lender’s check processor.
deliver an alternative payment (“Alternative Any payment submitted in offer of settlement of a
Payment”) to Lender in the amount of the missed disputed debt, including any check containing a
payment or, if offered, make the missed payment by notation such as “paid in full,” must be sent to the
any pay- by-phone or on-line service that Lender following address: Expansion Capital Group, LLC
may make available from time to time. If Borrower Attention: Disputed Payments, 5020 S. Broadband
elects to send Alternative Payments on Borrower’s Lane, Suite 100, Sioux Falls, SD 57108. If Borrower
Account by postal mail, then Borrower agrees to sends or delivers any late payment, partial payment,
send such payments to 5020 S. Broadband Lane, check or other payment marked ‘paid in full’ or similar
Suite 100, Sioux Falls, SD 57108. Alternative Payments notation to any other address, Lender may accept and
are deemed to be made upon receipt by Lender. process the check or payment without losing or
Alternative payments must be made in immediately compromising any of Lender’s rights under this
available funds by cashier’s check, money order, wire Agreement, including Lender’s right to seek payment
transfer, automatic transfer from an account at an of the full balance of Borrower’s Obligations.
institution offering such service, or other instrument
acceptable to Lender. Any Alternative Payment must
5. Security Interest. B. Protecting the Security Interest. Borrower agrees

Borrower hereby grants to Lender, the secured party that Lender (including for purposes of this subsection
hereunder, a continuing security interest in and to any Lender’s agent or representative) may file, and
and all “Collateral” as described below to secure authorizes Lender to complete and file on Borrower’s
payment and performance of all debts, liabilities and behalf, any financing statement, lien entry form or
obligations of Borrower to Lender hereunder and also other document that Lender may require in order to
any and all other debts, liabilities and obligations of perfect, amend or continue Lender’s security interest
Borrower to Lender of every kind and description, direct in the Collateral. Borrower agrees to cooperate with
or indirect, absolute or contingent, primary or secondary, Lender as may be necessary to accomplish said filing
due or to become due, now existing or hereafter arising, and to do whatever Lender deems necessary to
whether or not such obligations are related to the Loan protect and defend Lender’s security interest in the
described in this Agreement, by class, or kind, or Collateral, and that any financing statement or similar
whether or not contemplated by the parties at the time document may state that Borrower is prohibited from
of the granting of this security interest, regardless of pledging or selling any receivables owing to
how they arise or by what agreement or instrument they Borrower to any person or entity other than Lender
may be evidenced or whether evidenced by any while any Obligations remain outstanding.
agreement or instrument, and including obligations to C. Location of Collateral; Transactions Involving
perform acts and refrain from taking action as well as Collateral. Unless Lender has agreed otherwise in
obligations to pay money including, without limitation, all writing, Borrower agrees and warrants that (i) all
interest, other fees and expenses (collectively, called Collateral (or records of the Collateral in the case of
“Obligations”). accounts, chattel paper and general intangibles) shall
A. The Collateral consists of all assets that Borrower be located at Borrower’s address as shown in the
now owns or hereafter acquires and wherever application, or at other Borrower locations identified
located, including without limitation: (i) any and all by Borrower, (ii) except for inventory sold or accounts
receivables owing to Borrower now or in the future, collected in the ordinary course of Borrower’s
including any amounts from any merchant business, Borrower shall not sell, offer to sell, or
processor(s) processing charges made by customers otherwise transfer or dispose of the Collateral, (iii)
of Borrower via credit card, debit card or Electronic there are no interests or claims against the Collateral
Benefit Transfer transactions; and (ii) all other tangible that Borrower has not disclosed to Lender in writing
and intangible personal property, including, but not prior to executing this Agreement, (iv) Borrower shall
limited to (a) inventory, (b) equipment, (c) investment not pledge, mortgage, encumber or otherwise permit
property, including certificated and uncertificated the Collateral to be subject to any lien, security
securities, securities accounts, security entitlements, interest, encumbrance or charge, other than the
commodity contracts and commodity accounts, (d) security interest provided for in this Agreement, (v)
instruments, including promissory notes (e) chattel Borrower shall not sell, offer to sell, or otherwise
paper, including tangible chattel paper and electronic transfer or dispose of the Collateral for less than the
chattel paper, (f) documents, (g) letter of credit rights, fair market value thereof, and (vi) Borrower shall not
(h) accounts, including health-care insurance enter into any agreement that relates to or involves
receivables, (i) deposit accounts, (j) commercial tort the pledge or sale of any receivables owing to
claims, (k) general intangibles, including payment Borrower now or in the future from any merchant
intangibles and software and (l) as-extracted processor(s) processing charges made by customers
collateral as such terms may from time to time be of Borrower via credit card, debit card or Electronic
defined in the Uniform Commercial Code. Benefit Transfer transactions. Borrower shall defend
Notwithstanding the foregoing, Borrower may Lender’s rights in the Collateral against the claims
request Lender waive its interest in any receivables and demands of all other persons. All proceeds from
pledged under a factoring agreement, for which any unauthorized disposition of the Collateral shall be
Lender will not unreasonably withhold such waiver. held in trust for Lender, shall not be co-mingled with
The security interest Borrower grants includes all any other funds and shall immediately be delivered
accessions, parts, supplies and replacements for the to Lender. This requirement, however, does not
Collateral, all products, proceeds and collections constitute consent by Lender to any such disposition.
thereof and all records and data relating thereto. D. Taxes, Assessments, and Liens. Borrower will
Lender disclaims any security interest in household complete and file all necessary federal, state and
goods or other personal property in which Lender is local tax returns and will pay when due all taxes,
forbidden by law from taking a security interest. assessments, levies and liens upon the Collateral and
provide evidence of such payments to Lender upon Lender on Borrower’s behalf may (but shall not be
request. obligated to) take any action that Lender deems
appropriate, including but not limited to discharging
E. Insurance. Borrower shall obtain and maintain or paying all taxes, liens, security interests,
such insurance as Lender may require with respect to encumbrances and other claims, at any time levied or
the Collateral, in form, amounts and coverage placed on the Collateral and paying all costs for
reasonably acceptable to Lender and issued by a insuring, maintaining and preserving the Collateral. To
company reasonably acceptable to Lender naming the extent not prohibited by applicable law, all such
Lender as loss payee. If Borrower at any time fails to expenditures will become a part of the Obligations
obtain or maintain any insurance as required under and, at Lender’s option, will: (i) be payable on
this Agreement, Lender may obtain such insurance, demand; (ii) be added to the balance of the Loan and
or obtain insurance that covers only Lender’s interest, be apportioned among and be payable with any
as Lender deems appropriate and Borrower shall be installment payments to become due during the
responsible to reimburse Lender for the costs of such remaining term of the Loan; or (iii) be treated as a
insurance. Borrower shall promptly notify Lender of balloon payment that will be due and payable at the
any loss of or damage to the Collateral. Loan’s maturity. Such right shall be in addition to all
F. Repairs and Maintenance. Borrower agrees to other rights and remedies to which Lender may be
keep and maintain, and to cause others to keep and entitled upon an Event of Default (as defined below).
maintain, the Collateral in good order, repair and Records relating to receivables shall, until delivered
condition at all times while this Agreement remains to or removed by Lender, be maintained by Borrower
in effect. Borrower further agrees to pay when due all in a commercially reasonable and secure fashion.
claims for work done on, or services rendered or 6. Borrower’s Representations, Warranties, and
material furnished in connection with the Collateral Covenants.
so that no lien or encumbrance may ever attach to or
Borrower represents, warrants, and covenants that at all
be filed against the Collateral.
times while any Obligations remain outstanding (i)
G. Inspection of Collateral and Place of Business; Borrower will comply with all laws, statutes, regulations
Use of Photographs. Lender and its designated and ordinances pertaining to the conduct of Borrower’s
representatives and agents shall have the right business and promises to hold Lender harmless from
during Borrower’s normal business hours and at any any damages, liabilities, costs, expenses (including
other reasonable time to examine the Collateral attorneys’ fees) or other harm arising out of any violation
wherever located and the interior and exterior of any thereof; (ii) Borrower’s principal executive office and the
Borrower place of business. During an examination of office where Borrower keeps its records concerning its
Borrower’s place of business, Lender may examine, accounts, contract rights and other property, is that
among other things, whether Borrower (i) has a place location shown in the application; (iii) Borrower is
of business that is separate from any personal organized, licensed, validly existing and in good
residence, (ii) is open for business, (iii) has sufficient standing under the laws of its state of formation and
inventory to conduct Borrower’s business and (iv) has shall hereafter remain in good standing in that state, and
one or more credit card terminals if Borrower is qualified, licensed and in good standing in every other
processes credit card transactions. When performing state in which it is doing business, and shall hereafter
an examination, Lender may photograph the interior remain qualified, licensed and in good standing in every
and exterior of any Borrower place of business, other state in which it is doing business, and shall
including any signage, and may photograph any hereafter remain qualified, licensed and in good
individual who has signed the Agreement standing in every other state in which the failure to
(“Signatory”) unless the Signatory previously has qualify or become licensed could have a material
notified Lender in writing that he or she does not adverse effect on the financial condition, business or
authorize Lender to photograph the Signatory. operations of Borrower; (iv) the exact legal name of
Borrower is set forth in the application; (v) the execution,
H. Expenditures by Lender. If any action or delivery and performance of this Agreement, and any
proceeding is commenced that would materially other document executed in connection herewith, are
affect Lender’s interest in the Collateral or if Borrower within Borrower’s powers, have been authorized, are not
fails to comply with any provision of this Agreement in contravention of law or the terms of Borrower’s
or any related documents, including but not limited charter, by-laws or other organization papers, or of any
to Borrower’s failure to discharge or pay when due indenture, agreement or undertaking to which Borrower
any amounts Borrower is required to discharge or is a party; (vi) all organization papers and all
pay under this Agreement or any related documents, amendments thereto of Borrower have been duly filed
and are in proper order and any capital stock issued by Borrower’s Account if and when it becomes payable
Borrower and outstanding was and is properly issued pursuant to the foregoing sentence.
and all books and records of Borrower are accurate and
up to date and will be so maintained; (vii) Borrower (a) is C. Default Interest. In the event that Borrower fails
subject to no charter, corporate or other legal to make any scheduled Loan payment in a timely
restriction, or any judgment, award, decree, order, manner, or is otherwise in default of this Agreement
governmental rule or regulation or contractual as provided in Section 14 of this Agreement, then
restriction that could have a material adverse effect on Borrower agrees that all outstanding Loan proceeds,
its financial condition, business or prospects, and (b) is in expenses, charges, and fees shall be subject to
compliance with its organization documents and by- interest at the rate of 10 per cent per annum
laws, all contractual requirements by which it may be (0.023797% per diem) until such time as all
bound and all applicable laws, rules and regulations outstanding Obligations from Borrower to Lender are
other than laws, rules or regulations the validity or paid in full.
applicability of which it is contesting in good faith or 8. Interest and Fee Refunds.
provisions of any of the foregoing the failure to comply
with which cannot reasonably be expected to materially If the Loan is subject to a law that sets maximum
adversely affect its financial condition, business or charges, and that law is finally interpreted so that the
prospects or the value of the Collateral; (viii) there is no interest or other fees collected or to be collected in
action, suit, proceeding or investigation pending or, to connection with this Agreement exceed the permitted
Borrower’s knowledge, threatened against or affecting it limits, then (a) any such charge will be reduced by the
or any of its assets before or by any court or other amount necessary to reduce the charge to the
governmental authority which, if determined adversely permitted limit, and (b) any sums already collected from
to it, would have a material adverse effect on its financial Borrower that exceed the permitted limits will be
condition, business or prospects or the value of the refunded or credited to Borrower. Borrower
Collateral; (ix) Borrower is taking the Loan only for use in acknowledges and agrees that the difference between
the ordinary course of Borrower’s business and not for the Total Repayment Amount and the Amount of Loan
any household or personal use; and (x) all of the (each as set forth above) constitutes a charge or interest
information submitted or provided by Borrower to under South Dakota law, including but not limited to
Lender in connection with this Agreement is complete, SDCL 54-3-1.1.
accurate and truthful. 9. Continuing Guaranty; Financial Information.
7. Charges and Fees. A. If Lender, as an inducement to enter this
Borrower agrees to pay back the Loan according to the Agreement, requires that a personal Continuing
Payment Schedule, above. Borrower agrees to pay the Guaranty be executed by one or more Principals of
fees outlined in Attachment C (“Table of Fees and Borrower, such Continuing Guaranty shall be in the
Charges”), which is incorporated herein and made a part form of Attachment D (“Continuing Guaranty”)
hereof, and the following fees outlined below: hereto, which, when each such required Continuing
Guaranty is fully executed is incorporated herein and
A. One-time Loan Origination Fee. Borrower agrees made a part of this Agreement.
that the Loan Origination Fee, as set forth in the
“Loan Summary” above, will be immediately B. Borrower and each guarantor (if any) authorizes
deducted from the proceeds of the Loan. Lender to obtain business and personal credit bureau
reports in Borrower’s and any guarantor’s name,
B. Returned Payment/Rejected ACH Fee. If any respectively, at any time and from time to time for
installment payment is returned to us as unsatisfied purposes of deciding whether to approve the
because Borrower does not have an account at the requested Loan or for any update, renewal, extension
bank specified in the application, or does not have of credit or other lawful purpose. Upon Borrower’s or
sufficient funds in Borrower’s Account, or does not any guarantor’s request, Lender will advise Borrower
have sufficient credit with its bank, or the bank or guarantor if Lender obtained a credit report and
demands a return of any funds transmitted to Lender Lender will give Borrower or guarantor the credit
in response to the debit entry effected pursuant to bureau’s name and address. Borrower and each
the ACH Authorization provided this Agreement, guarantor (if any) agrees to submit current financial
Lender may impose a Returned Payment Fee of up information, a new credit application, or both, in
to $35.00. Borrower agrees that Lender may collect Borrower’s name and in the name of each guarantor,
the Returned Payment Fee electronically and respectively, at any time promptly upon Lender’s
Borrower authorizes Lender to effect a debit entry in request. Lender may report Lender’s credit
the full amount of this Returned Payment Fee from experiences with Borrower and any guarantor of the
Loan to third parties as permitted by law. Borrower Lender may sustain or incur by reason of defending or
also agrees that Lender may release information to protecting Lender’s security interest or the priority
comply with governmental reporting or legal process thereof or enforcing the Obligations, or in the
that Lender believes may be required, whether or not prosecution or defense of any action or proceeding
such is in fact required, or when necessary or helpful concerning any matter growing out of or in
in completing a transaction, or when investigating a connection with this Agreement and/or any other
loss or potential loss. documents now or hereafter executed in connection
with this Agreement and/or the Obligations and/or
10. Collection Costs and Attorneys’ Fees. the Collateral. This indemnity shall survive the
To the full extent permitted by applicable law, Borrower repayment of the Obligations and the termination of
shall pay to Lender on demand any and all expenses, this Agreement. In no event shall Lender be liable for
including, but not limited to, expenditures, collection any consequential, special, indirect or punitive
costs, all attorneys’ fees and expenses, and all other damages for any nature.
expenses of like or unlike nature which may be
expended by Lender to obtain or enforce payment of 13. Change in Entity Status.
Obligations either as against Borrower or any guarantor Borrower covenants and agrees that Borrower will not (i)
or surety of Borrower or in the prosecution or defense of change its name, its place of business or, if more than
any action or concerning any matter growing out of or one, chief executive office, or its mailing address or
connected with the subject matter of this Agreement, organizational identification number if it has one, or (ii)
the Obligations or the Collateral or any of Lender’s rights change its type of organization, jurisdiction of
or interests therein or thereto, including, without limiting organization or other legal structure; (iii) merge with or
the generality of the foregoing, any counsel fees or into any other business entity; (iv) sell all or substantially
expenses incurred in any bankruptcy or insolvency all of its assets or equity; (v) take any action that would
proceedings and all costs and expenses (including result in a change of control of Borrower or Borrower’s
search fees) incurred or paid by Lender in connection business; (vi) enter into a new or different line of
with the administration, supervision, protection or business that materially changes the nature of
realization on any security held by Lender for the debt Borrower’s business; or (vii) enter into any joint venture
secured hereby, whether such security was granted by or partnership with any person, firm or corporation
Borrower or by any other person primarily or secondarily without prior notification to and consent of Lender.
liable (with or without recourse) with respect to such
debt, and all costs and expenses incurred by Lender in 14. Default.
connection with the defense, settlement or satisfaction The following provisions shall apply to any default by
of any action, claim or demand asserted against Lender Borrower:
in connection therewith, which amounts shall be
considered advances to protect Lender’s security, and A. Events of Default. To the full extent permitted by
shall be secured hereby. applicable law, the occurrence of any one or more of
the following events (herein, “Events of Default”) shall
11. Information from Borrower. constitute, without notice or demand, a default under
Promptly upon Lender’s written request, Borrower and this Agreement and all other agreements between
each guarantor agrees to provide Lender with such Lender and Borrower and instruments and papers
information and documents pertaining to the financial given Lender by Borrower, whether such
condition and operations of Borrower or any guarantor, agreements, instruments, or papers now exist or
as Lender may, from time to time, reasonably request. hereafter arise: (i) Lender is unable to collect any
Borrower also agrees promptly upon becoming aware payment under the Payment Schedule listed above
of any Event of Default, or the occurrence or existence on any date due and/ or, Borrower fails to pay any
of an event which, with the passage of time or the giving Obligations on the date due, PROVIDED, HOWEVER,
of notice or both, would constitute an Event of Default that if upon notice by Lender of a late payment and
hereunder, to provide notice thereof to Lender in payment by Borrower within ten (10) days of such
writing. notice, such Event of Default shall be deemed
waived; (ii) Borrower fails to promptly and faithfully
12. Indemnification, Limitation of Liability. comply with, perform, or observe any term, condition,
Borrower will indemnify, defend and hold Lender, its representation, warranty or promise within this
employees, officers, directors, shareholders, agents, Agreement; (iii) the determination by Lender that any
and affiliates harmless from all loss, costs, damage, representation or warranty heretofore, now or
liability or expenses (including, without limitation, hereafter made by Borrower to Lender, in any
court costs and reasonable attorneys’ fees) that documents, instrument, agreement, or paper was not
true or accurate when given; (iv) the occurrence of its entry; (xviii) the occurrence of any event or
any event such that any indebtedness of Borrower circumstance with respect to Borrower such that
from any lender other than Lender could be Lender shall believe in good faith that the prospect of
accelerated, notwithstanding that such acceleration payment of all or any part of the Obligations or the
has not taken place; (v) the occurrence of any event performance by Borrower under this Agreement or
that would cause a lien creditor, as that term is any other agreement between Lender and Borrower
defined in Section 9−102 of the Uniform Commercial is impaired or there shall occur any material adverse
Code, to take priority over the Loan made by Lender; change in the business or financial condition of
(vi) a filing against or relating to Borrower of (a) a Borrower; (xix) the entry of any court order that
federal tax lien in favor of the United States of enjoins, restrains or in any way prevents Borrower
America or any political subdivision of the United from conducting all or any part of its business affairs
States of America, or (b) a state tax lien in favor of any in the ordinary course of business; (xx) the
state of the United States of America or any political occurrence of any uninsured loss, theft, damage or
subdivision of any such state; (vii) the occurrence of destruction to any material asset(s) of Borrower; (xxi)
any event of default under any agreement between any act by or against, or relating to Borrower or its
Lender and Borrower or instrument or paper given assets pursuant to which any creditor of Borrower
Lender by Borrower, whether such agreement, seeks to reclaim or repossess or reclaims or
instrument, or paper now exists or hereafter arises repossesses all or a portion of Borrower’s assets; (xxii)
(notwithstanding that Lender may not have exercised the termination of existence, or the dissolution, or
its rights upon default under any such other liquidation, of Borrower, or the ceasing to carry on
agreement, instrument or paper); (viii) any act by, actively any substantial part of Borrower’s current
against, or relating to Borrower, or its property or business; (xxiii) this Agreement shall, at any time after
assets, which act constitutes the application for, its execution and delivery and for any reason, cease
consent to, or sufferance of the appointment of a to be in full force and effect or shall be declared null
receiver, trustee or other person, pursuant to court and void, or the validity or enforceability hereof shall
action or otherwise, over all, or any part of Borrower’s be contested by Borrower or any guarantor of
property; (ix) the granting of any trust mortgage or Borrower denies it has any further liability or
execution of an assignment for the benefit of the obligation hereunder; (xxiv) any guarantor or person
creditors of Borrower, or the occurrence of any other signing a support agreement in favor of Lender shall
voluntary or involuntary liquidation or extension of repudiate, purport to revoke or fail to perform his or
debt agreement for Borrower; (x) the failure by her obligations under his guaranty or support
Borrower to generally pay the debts of Borrower as agreement in favor of Lender or any corporate
they mature; (xi) adjudication of bankruptcy or guarantor shall cease to exist; (xxv) any material
insolvency relative to Borrower; (xii) the entry of an change occurs in Borrower’s ownership or
order for relief or similar order with respect to organizational structure (acknowledging that any
Borrower in any proceeding pursuant to Title 11 of the change in ownership will be deemed material when
United States Code entitled “Bankruptcy” (the ownership is closely held); (xxvi) Borrower dies, if
“Bankruptcy Code”) or any other federal bankruptcy Borrower is a sole proprietorship, or the owner dies; if
law; (xiii) the filing of any complaint, application or Borrower is a trust, a trustee dies; if Borrower is a
petition by or against Borrower initiating any matter in partnership, any general or managing partner dies; if
which Borrower is or may be granted any relief from Borrower is a corporation, any principal officer or 10%
the debts of Borrower pursuant to the Bankruptcy or greater shareholder dies; if Borrower is a limited
Code or any other insolvency statute or procedure; liability company, any managing member dies or 10%
(xiv) the calling or sufferance of a meeting of creditors or greater member dies; if Borrower is any other form
of Borrower; (xv) the meeting by Borrower with a of business entity, any person(s) directly or indirectly
formal or informal creditor’s committee; (xvi) the controlling 10% or more of the ownership interests of
offering by or entering into by Borrower of any such entity dies.
composition, extension or any other arrangement
seeking relief or extension for the debts of Borrower, B. Rights and Remedies Upon Default. If an Event of
or the initiation of any other judicial or non-judicial Default occurs under this Agreement, at any time
proceeding or agreement by, against or including thereafter, Lender may immediately and without
Borrower that seeks or intends to accomplish a further notice or presentment exercise any one or
reorganization or arrangement with creditors; (xvii) more of the following rights and remedies:
the entry of any judgment against Borrower, which 1. Refrain from Disbursing Loan Proceeds:
judgment is not satisfied or appealed from (with Lender may refrain from disbursing any Loan
execution or similar process stayed) within 15 days of proceeds to Borrower;
2. Debit Amounts Due From Borrower’s prohibited by applicable law, all such expenses
Accounts: Lender may debit from Borrower’s will become a part of the Obligations and, at
designated checking account all Payment Lender’s option, will: (i) be payable on demand; (ii)
Schedule payments that Lender was unable to be added to the balance of the Loan and be
collect and/or the amount of any other apportioned among and be payable with any
Obligations that Borrower failed to pay. installment payments to become due during
either (a) the term of any applicable insurance
3. Accelerate Indebtedness: Lender may declare policy or (b) the remaining term of the Loan; or (iii)
the entire Obligations immediately due and be treated as a balloon payment that will be due
payable, without notice of any kind to Borrower. and payable at the Loan’s maturity.
4. Assemble Collateral: Lender may require 6. Appoint Receiver: Lender shall have the right
Borrower to deliver to Lender all or any portion of to have a receiver appointed to take possession
the Collateral and any and all certificates of title of all or any part of the Collateral, with the power
and other documents relating to the Collateral. to protect and preserve the Collateral, to operate
Lender may require Borrower to assemble the the Collateral preceding foreclosure or sale, and
Collateral and make it available to Lender at a to collect the rents from the Collateral and apply
place to be designated by Lender. Lender also the proceeds, over and above the cost of the
shall have full power to enter, provided Lender receivership, against the Obligations. The receiver
does so without a breach of the peace or a may serve without bond if permitted by law.
trespass, upon the property of Borrower to take Lender’s right to the appointment of a receiver
possession of and remove the Collateral. If the shall exist whether or not the apparent value of
Collateral contains other goods not covered by the Collateral exceeds the Obligations by a
this Agreement at the time of repossession, substantial amount. Employment by Lender shall
Borrower agrees Lender may take such other not disqualify a person from serving as a receiver.
goods, provided that Lender makes reasonable
efforts to return them to Borrower after 7. Collect Revenues, Apply Accounts: Lender,
repossession. Lender may also assemble either itself or through a receiver, may collect the
collateral by directing any person or entity owing payments, rents, income, and revenues from the
any amount to Borrower to pay such amount to Collateral. Lender may at any time in Lender’s
Lender. discretion transfer any Collateral into Lender’s
own name or that of Lender’s nominee and
5. Sell the Collateral: Lender shall have full receive the payments, rents, income and
power to sell, lease, transfer, or otherwise deal revenues therefrom and hold the same as
with the Collateral or proceeds thereof in Lender’s security for the Obligations or apply it to payment
own name or that of Borrower. Lender may sell of the Obligations in such order of preference as
the Collateral at public auction or private sale. Lender may determine. Insofar as the Collateral
Unless the Collateral threatens to decline consists of accounts, general intangibles,
speedily in value or is of a type customarily sold insurance policies, instruments, chattel paper,
on a recognized market, Lender will give choses in action, or similar property, Lender may
Borrower, and other persons as required by law, demand, collect, receipt for, settle, compromise,
reasonable notice of the time and place of any adjust, sue for, foreclose or realize on the
public sale, or the time after which any private Collateral as Lender may determine, whether or
sale or any other disposition of the Collateral is to not any amount included within the Obligations is
be made. However, no notice need be provided then due. For these purposes, Lender may, on
to any person who, after an Event of Default behalf of and in the name of Borrower, receive,
occurs, enters into and authenticates an open and dispose of mail addressed to Borrower;
agreement waiving that person’s right to change any address to which mail and payments
notification of sale. The requirements of are to be sent; and endorse notes, checks, drafts,
reasonable notice shall be met if such notice is money orders, documents of title, instruments
given at least ten (10) days before the time of the and items pertaining to payment, shipment or
sale or disposition. All expenses relating to the storage of any Collateral. To facilitate collections,
disposition of the Collateral, including without Lender may notify account debtors and obligors
limitation the expenses of retaking, holding, on any Collateral to make payments directly to
insuring, preparing for sale and selling the Lender and/or may notify any merchant
Collateral, shall become a part of the Obligations processors to remit to Lender any and all
secured by this Agreement. To the extent not amounts received by the merchant processors
from charges made by customers of Borrower via Loan, it is fair to both parties that South Dakota
credit card, debit card or Electronic Benefit law should apply to this Agreement, and that
Transfer transactions.
4. This Agreement and all claims, disputes, and
8. Obtain Deficiency: If Lender chooses to sell actions arising out of this Agreement or the
any or all of the Collateral, Lender may obtain a relationship between the parties shall be
judgment against Borrower for any deficiency governed by the laws of the State of South
remaining on the Obligations due to Lender after Dakota, without reference to its internal conflicts
application of all amounts received from the of law rules.
exercise of the rights provided in this Agreement.
Borrower shall be liable for a deficiency even if B. Jurisdiction and Venue. Borrower and Lender
the transaction described in this subsection is a agree that any action or proceeding to enforce or
sale of accounts or chattel paper. arising out of this Agreement shall be commenced
only in the Second Judicial Circuit State Court in
9. Other Rights and Remedies: Lender shall have South Dakota or in the United States District Court for
all the rights and remedies of a secured creditor the District of South Dakota, Southern Division.
under the provisions of the Uniform Commercial Borrower waives personal service of process and
Code, as may be amended from time to time. In agrees that a summons and complaint commencing
addition, Lender shall have and may exercise any an action or proceeding in any such court shall be
or all other rights and remedies it may have properly served and confer personal jurisdiction if
available at law, in equity or otherwise. served by registered or certified mail to Borrower, or
as otherwise provided by the laws of the State of
C. Election of Remedies. Except as may be South Dakota, or the United States of America.
prohibited by applicable law, all of Lender’s rights Borrower and Lender agree that venue is proper in
and remedies, whether evidenced by this such courts. Borrower and Lender further agree that,
Agreement, any related documents, or by any other should venue be established in any other court for
writing, shall be cumulative and may be exercised any reason, the court hearing such action shall apply
singly or concurrently. Election by Lender to pursue the laws of the State of South Dakota, without
any remedy shall not exclude pursuit of any other reference to its conflicts of law rules, to the action.
remedy, and an election to make expenditures or to
take action to perform an obligation of Borrower C. JURY TRIAL WAIVER. The parties hereby waive
under the Agreement, after Borrower’s failure to trial by jury in any court presiding over any suit,
perform, shall not affect Lender’s right to declare a action or proceeding arising under this Agreement,
default and exercise its remedies. unless such waiver is prohibited by law. The parties
acknowledge that this waiver is made knowingly and
15. Governing Law; Jurisdiction and Venue. voluntarily. The parties have been given ample time
A. South Dakota Law. Borrower and Lender agree and opportunity to seek advice of counsel prior to
that Lender is domiciled in South Dakota and does the execution of this Agreement.
business in South Dakota. Lender has agents and
employees in South Dakota, and such agents and D. CLASS ACTION WAIVER. THE PARTIES HERETO
employees have or will provide services to Borrower. WAIVE ANY RIGHT TO ASSERT ANY CLAIMS
Borrower acknowledges that Lender desires to AGAINST THE OTHER PARTY AS A
apply the substantive rules and procedures of REPRESENTATIVE OR MEMBER IN ANY CLASS OR
South Dakota law to all of the loans that Lender REPRESENTATIVE ACTION, EXCEPT WHERE SUCH
extends. Borrower specifically agrees that: WAIVER IS PROHIBITED BY LAW AGAINST PUBLIC
POLICY. TO THE EXTENT EITHER PARTY IS
1. Borrower’s agreement that South Dakota law PERMITTED BY LAW OR COURT OF LAW TO
shall apply to this Agreement is a determinative PROCEED WITH A CLASS OR REPRESENTATIVE
factor in Lender’s agreeing to make the Loan to ACTION AGAINST THE OTHER, THE PARTIES
Borrower, without which Lender would not make HEREBY AGREE THAT: (1) THE PREVAILING PARTY
the Loan; SHALL NOT BE ENTITLED TO RECOVER
ATTORNEYS’ FEES OR COSTS ASSOCIATED WITH
2. Borrower has executed this Agreement in PURSUING THE CLASS OR REPRESENTATIVE
South Dakota and that Lender will fund Loan ACTION (NOT WITHSTANDING ANY OTHER
proceeds in South Dakota; and PROVISION IN THIS AGREEMENT); AND (2) THE
3. Under all of the facts and circumstances PARTY WHO INITIATES OR PARTICIPATES AS A
surrounding the negotiation and funding of the MEMBER OF THE CLASS WILL NOT SUBMIT A
CLAIM OR OTHERWISE PARTICIPATE IN ANY 16. Miscellaneous Provisions:

RECOVERY SECURED THROUGH THE CLASS OR A. No Waiver By Lender. No delay or omission on
REPRESENTATIVE ACTION. the part of Lender in exercising any rights under this
Agreement, any related guaranty or applicable law
E. Arbitration. If Lender or Borrower requests, the
shall operate as a waiver of such right or any other
other party agrees to arbitrate all disputes and claims
right. Waiver on any one occasion shall not be
arising out of or relating to this Agreement. If Lender
construed as a bar to or waiver of any right or
or Borrower seeks to have a dispute settled by
remedy on any other occasion. All of Lender’s rights
arbitration, that party must first send to the other
and remedies, whether evidenced hereby or by any
party, by certified mail, a written Notice of Intent to
other agreement, instrument or paper, shall be
Arbitrate setting forth the claim, dispute or
cumulative and may be exercised singly or
controversy giving rise to such notice. During the
concurrently.
thirty (30) calendar day period following receipt of
the Notice of Intent to Arbitrate (the “Cooling-Off B. Assignment. This Agreement shall bind and inure
Period”), the Parties shall make a good faith effort to to the benefit of the respective successors and
resolve the subject claim, dispute or controversy and assigns of each of the parties hereto; provided,
may, by mutual agreement, submit the subject claim, however, that Borrower may not assign this
dispute or controversy to mediation. If the Parties are Agreement or delegate any of Borrower’s or duties
unable to reach an agreement to resolve the claim hereunder without Lender’s prior written consent
within thirty (30) days after the Notice is received, and any prohibited assignment shall be absolutely
Lender or Borrower may commence an arbitration void ab initio. No consent to an assignment by
proceeding in Sioux Falls, South Dakota, applying Lender shall release Borrower from its Obligations
South Dakota arbitration laws. Lender will promptly under this Agreement. Lender may assign this
reimburse Borrower any arbitration filing fee, and Agreement and its rights and duties hereunder and
Lender will pay all administration and arbitrator fees. no consent or approval by Borrower is required in
If the arbitrator finds that either the substance of the connection with any such assignment. Lender
claim raised by Borrower or the relief sought by reserves the right to sell, assign, transfer, negotiate
Borrower is improper or not warranted, as measured or grant participations in all or any part of, or any
by the standards set forth in Federal Rule of Civil interest in Lender’s rights and benefits hereunder. In
Procedure 11(b), then Lender will pay these fees only connection with any assignment or participation,
if required by applicable law. If the arbitrator grants Lender may disclose all documents and information
relief to Borrower that is equal to or greater than the that Lender now or hereafter may have relating to
value of what Borrower has requested in the Borrower or Borrower’s business. To the extent that
arbitration, Lender shall reimburse Borrower for Lender assigns its rights and obligations hereunder
Borrower’s reasonable attorneys’ fees and expenses to another party, Lender thereafter shall be released
incurred for the arbitration. LENDER AND from such assigned obligations to Borrower and such
BORROWER MAY BRING CLAIMS AGAINST EACH assignment shall affect a novation between Borrower
OTHER ONLY IN THEIR INDIVIDUAL CAPACITY, and and such other party.
not as a plaintiff or class member in any purported
class or representative proceeding. Further, Lender C. Interpretation. Paragraph and section headings
and Borrower agree that the arbitrator may not used in this Agreement are for convenience only,
consolidate proceedings for more than one person’s and shall not affect the construction of this
claims, and may not otherwise preside over any form Agreement. Neither this Agreement nor any
of a representative or class proceeding, and that if uncertainty or ambiguity herein shall be construed or
this specific provision is found unenforceable, then resolved against either party by reason of its drafting
the entirety of this arbitration clause shall be null and or preparation, or under any rule of construction, or
void. BORROWER MAY OPT OUT OF THIS CLAUSE. otherwise. On the contrary, this Agreement has been
To opt out of this Arbitration Clause, Borrower may reviewed by all parties and shall be construed and
send Lender a notice that Borrower does not want interpreted according to the ordinary meaning of the
this clause to apply to this Agreement. For any opt words used so as to fairly accomplish the purposes
out to be effective, Borrower must send an opt out and intentions of all parties hereto.
notice to the following address by registered mail,
within fourteen (14) days after the Effective Date: D. Severability. If any provision of this Agreement (or
5020 S. Broadband Lane, Suite 100, Sioux Falls, SD the application thereof) is determined invalid, illegal
57108. or unenforceable in any respect in any jurisdiction,
the same shall not invalidate or render illegal or
unenforceable such provision (or its application) in
any other jurisdiction or any other provision of this more persons without joining or suing others; and
Agreement (or its application). Lender may modify, renew, or extend this
Agreement (repeatedly and for any length of time)
E. Notices. Except as otherwise provided in this without notice to or approval by Borrower or any
Agreement, notice under this Agreement must be other person who has obligations pursuant to this
sent first, by e-mail to the last e-mail address Agreement (other than the party with whom the
provided by the party to whom the notice is modification, renewal or extension is made).
addressed; and, if no response is forthcoming, in
writing. Notices will be deemed given when H. Integration of Agreement. Any application
deposited in the U.S. mail, postage prepaid, first class Borrower signed or otherwise delivered to Lender in
mail; when delivered in person; or when sent by connection with the Loan, Business Loan Agreement,
registered mail; by certified mail; or by nationally each Continuing Guaranty and the authorization for
recognized overnight courier. Notice to Borrower will Direct Deposit (ACH Credit) and Direct Payments
be sent to Borrower’s last known address in Lender’s (ACH Debits) and any other documents required by
records for this Loan. Notice to Lender may be sent Lender prior to loan closing or in the future in
to the address above. connection with this Agreement and the Loan are
hereby incorporated into and made a part of this
F. Recordkeeping. Lender shall maintain all records Agreement. This Agreement is the entire agreement
pertaining to the Loan in a manner and format for a of the parties with respect to the subject matter
period consistent with Lender’s record retention hereof and supersedes any prior written or verbal
policies and procedures. Borrower will at all times communications or instruments relating thereto.
keep accurate and complete records of Borrower’s
accounts and Collateral. At Lender’s request, I. Counterparts; Electronic Signatures. This
Borrower shall deliver to Lender: (i) schedules of Agreement may be executed in one or more
accounts and general intangibles; and (ii) such other counterparts, each of which counterparts shall be
information regarding the Collateral as Lender shall deemed to be an original, and all such counterparts
request. Lender, or any of its agents, shall have the shall constitute one and the same instrument. For
right to call at Borrower’s place or places of business purposes of the execution of this Agreement,
at intervals to be determined by Lender, and without electronic or faxed signatures shall be treated in all
hindrance or delay, to inspect, audit, check, and respects as original signatures.
make extracts from any copies of the books, records,
journals, orders, receipts, correspondence that relate J. Reminders and Pre-Recorded Calls. On occasion,
to Borrower’s accounts and Collateral or other our customer service representatives and/or an
transactions between the parties thereto and the automated telephone dialing system may call you to
general financial condition of Borrower and Lender provide reminder messages about your Loan and
may remove any of such records temporarily for the other important information concerning your
purpose of having copies made thereof. relationship with us. In the event of the use of the
automatic telephone dialing system, these messages
G. Waiver of Demand and Other Notices. Except for are played automatically when the telephone is
any notices provided for in this Agreement, Borrower answered, whether answered by you or someone
and any person who has obligations pursuant to this else. They may be recorded by your answering
Agreement (e.g., a guarantor), to the extent not machine or voice mail system. In the event that a
prohibited by applicable law hereby, waives customer service representative calls, instead of the
demand, notice of nonpayment, notice of intention to automatic telephone dialing system, that customer
accelerate, notice of acceleration, presentment, service representative may also leave a message on
protest, notice of dishonor and notice of protest. To your answering machine or voice mail. You give us
the full extent permitted by applicable law, Borrower your consent to call any telephone number you have
and any person who has obligations pursuant to this given to us and to leave messages, whether
Agreement also agrees Lender is not required to file prerecorded or otherwise, with information about
suit, show diligence in collection against Borrower or your Loan or your relationship with us. You agree that
any person who has obligations pursuant to this we will not be liable to you for any such calls.
Agreement, or proceed against any Collateral;
Lender may, but will not be obligated to, substitute, K. Communications. By signing below, Borrower
exchange or release any Collateral; Lender may expressly consents to be contacted by Lender, our
release any Collateral, or fail to realize upon or affiliates, or anyone calling on our behalf for any and
perfect Lender’s security interest in any Collateral; all purposes, at any telephone number, or physical or
Lender may, but will not be obligated to, sue one or electronic address Borrower has provided or at
which Borrower may be reached. Borrower agrees is registered on any state or federal Do-Not-Call
Lender may contact Borrower in any way, including (DNC) list. This consent for telemarketing calls shall
calls using prerecorded messages or artificial voice, remain in effect until revoked by an authorized
and calls and messages delivered using auto representative of Borrower. Borrower’s consent to
telephone dialing system or an automatic texting telemarketing calls may be revoked by informing the
system. Automated messages may be played when telemarketing representative, by sending written
the telephone is answered, whether by Borrower’s notice to Lender at: Expansion Capital Group, LLC,
representative or someone else. In the event that a Attn: Opt-Out, 5020 S. Broadband Lane, Suite 100,
customer service representative calls, he or she may Sioux Falls, SD 57108, or any other method which
also leave a message on Borrower’s answering ensures Lender receives the revocation.
machine, voice mail, or send one via text.
Your consent to telemarketing calls is not a
Borrower consents to receive calls and messages condition of obtaining your loan. You may call us at
(including prerecorded and artificial voice and (877) 204-9203, at any time, to opt out of
autodialed) from Lender and our affiliates at the telemarketing calls.
specific number(s) Borrower has provided to us, or
numbers we can reasonably associate with M. Call Recording and Monitoring. Borrower
Borrower’s account (through skip trace, caller ID consents to the recording and monitoring, for quality
capture or other means), with information or assurance, training, risk management and/or
questions about this Loan. Borrower certifies, collection purposes, of any call that Borrower places
warrants and represents that the telephone numbers to Lender (or our affiliates) or that Lender (or our
that have been provided to Lender are Borrower’s affiliates) places to Borrower.
numbers and not someone else’s. Borrower N. Agreement to Receive Notices Electronically.
represents that Borrower is permitted to receive calls Borrower agrees that, if Borrower has provided us an
at each of the telephone numbers Borrower has electronic or email address for an authorized
provided. Borrower agrees to alert Lender in writing representative, any notices may be delivered to
whenever Borrower stops using or changes a Borrower electronically, to the extent permitted by
particular telephone number. law, including the Truth in Lending Act, Regulation Z
Borrower agrees that for purposes of the Loan, of the Board of Governors of the Federal Reserve
Lender must be able to reach Borrower. Borrower (the “FRB”), The Electronic Funds Transfer Act, FRB
agrees that Borrower will not and cannot revoke this Regulation E, The Equal Credit Opportunity Act, FRB
consent to call, text, or email about the Loan. The Regulation B, Title V of the Gramm-Leach-Bliley Act,
only exception is a revocation made through a cease FRB Regulation P (or its applicable regulatory
and desist letter which Borrower has directed to the equivalent), The Fair Credit Reporting Act, and/ or
following address: Expansion Capital Group, LLC, any other provision of applicable federal or state law
Attn: Opt-Out, 5020 S. Broadband Lane, Suite 100, or regulation. To electronically receive, view and
Sioux Falls, SD 57108. None of Lender’s employees save or print the notices, Borrower must have a
are authorized to receive a verbal revocation of personal computer equipped with Internet Explorer
Borrower’s consent or authorization. (8.0 and higher), Firefox (17.0 and higher), Safari (5.0
and higher) or Chrome (23.0 and higher), and Adobe
L. Telemarketing Calls. Borrower agrees that Flash Player (8.0 or higher) web-browser add on, and
Lender and our affiliates may call, email or text either a printer, a hard drive or other storage device.
Borrower at the numbers and addresses Borrower
has provided for purposes of describing goods and Borrower has the option to receive any information
services that may be of interest to you, offered by us, that Lender has provided electronically in paper form
our affiliates and/or third parties. Borrower agree at no cost to Borrower by contacting Lender at (888)
these calls, text and email messages may be made 730-1909 or Expansion Capital Group, LLC, Attn:
using an automatic dialing or email system Records Request, 5020 S. Broadband Lane, Suite
technology and/or involve prerecorded and/or 100, Sioux Falls, SD 57108. You may also withdraw
artificial voice messaging. Borrower’s consent will be your consent to electronic notices by contacting us
effective even if the number Borrower has provided in the same manner.
CERTIFICATION AND SIGNATURES

By signing below or authorizing the person signing below to sign on its behalf, Borrower certifies that Borrower has
received a copy of this Agreement and that Borrower has read, understood and agreed to be bound by its terms.
Each person signing below certifies that each person is signing on behalf of Borrower in the capacity indicated below
the signer’s name and that such signer is authorized to execute this Agreement on behalf of Borrower.
Principal #1 Principal #2
Name: IVAN GASTON DUDLEY Name: KIARI DUDLEY
By: By:
Date: Date:
ACCEPTANCE BY LENDER
This Agreement has been received and accepted by Lender at its offices in South Dakota after being signed by
Borrower.
By: Its: Chief Executive Officer Date:
IMPORTANT BORROWER INFORMATION
Principal #1
Name Phone # % of Borrower Owned
IVAN GASTON DUDLEY (704) 390-3647 51%
Home Address Social Security Number Date of Birth
11321 NORTHWOODS FOREST DR 243-37-4383 08/15/1980

CHARLOTTE, NC 28214
Principal #2
Name Phone # % of Borrower Owned
KIARI DUDLEY (704) 390-3576 49%
Home Address Social Security Number Date of Birth
11321 NORTHWOODS FOREST DR 237-51-5512 10/10/1979

CHARLOTTE, NC 28214
BORROWER FINANCIAL INFORMATION
Financial Institution (“FI”) Account #1 (Designated Account)

FI Name FI Address
FI 9-Digit Routing # FI Account # Account Type (Transactional, Savings or Other):
Financial Institution (“FI”) Account #2

FI Name FI Address
Financial Institution (“FI”) Account #3

FI Name FI Address
EXPANSION CAPITAL GROUP CONTACT INFORMATION

Questions or comments? Pay-off information
Client Services Payment Processing
(888) 730-1909 (888) 730-1909
clientservices@expansioncapitalgroup.com paymentprocessing@expansioncapitalgroup.com
Live support is available M–F 8am–5pm CST
ATTACHMENT A: PREPAY AGREEMENT
Agreement # 483844 Date 10/24/2019
Business Legal Name 4 STREAMS REALTY LLC
This amendment (“Amendment”) to Business Loan Agreement 483844 dated 10/24/2019 (the “Agreement”) is
made as of 10/24/2019 between Expansion Capital Group, LLC (“ECG”) and 4 STREAMS REALTY LLC (“Borrower”).
ECG and Borrower are sometimes referred to herein collectively as the “Parties “and each as a “Party.”
The Parties desire to modify certain terms of the Agreement. In consideration of the foregoing and for other good
and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereto,
intending to be legally bound, do hereby agree and amend the Payment Schedule set forth in Agreement as follows:
Borrower may prepay the Business Loan in whole using the following schedule:
Calendar Days After Funding Payoff Amount

1-30 $15,048.00
31-60 $15,618.00
61-90 $16,188.00
91-120 Balance in Full: No Discount
181+ Balance in Full: No Discount
If Borrower elects to prepay the Agreement, the sum of payments made up to that point will be applied to the
amounts payable under the Agreement and deducted from the aforementioned prepaid schedule of payments.
*The prepayment discount schedule is offered in good faith and must meet the following criteria to apply:
 Borrower’s status under the Agreement must be “Performing”;
 Borrower must be in full compliance with the terms of the Agreement;
 Payoff must be made of all amounts due under the Agreement;
 Payoff must be made in funds by ACH to ECG from Borrower’s bank account or by cashier’s check delivered to
ECG’s address shown above.
 Payoff may not be made from funding through a competitor of ECG, through either bridge financing or merchant
advance.
The Agreement shall remain in full force and effect as modified by this Amendment. This Amendment shall be
governed by and construed in accordance with the laws of South Dakota without reference to its internal conflicts of
law rules. This Amendment may be executed in counterparts, all of which together shall constitute one and the
same instrument. Electronic signatures shall be deemed to be original signatures and each Party hereto may rely on
an electronic or scanned signature as an original for purposes of enforcing this Amendment.
IN WITNESS WHEREOF, each of the undersigned has executed, or has caused to be executed, this
Amendment as of the date first written above.
Borrower: 4 STREAMS REALTY LLC By:
Name: IVAN GASTON DUDLEY Date:
ATTACHMENT B: ACH CREDIT/DEBIT AUTHORIZATION FORM
Agreement # 483844 Date 10/24/2019
Business Legal Name 4 STREAMS REALTY LLC
On behalf of 4 STREAMS REALTY LLC (“Borrower”) I hereby authorize Expansion Capital Group, LLC (“ECG”) to initiate
entries to the checking/savings account of Borrower at the Financial Institution listed below (the “Financial
Institution”), or that information contained in the cancelled check associated with this Authorization Form and if
necessary, initiate adjustments for any transactions credited/debited in error.
This authority will remain in effect until ECG is notified by me or another authorized representative of the Borrower in
writing to cancel such authority at least thirty (30) days in advance of the effective date of such revocation of
authority or such longer period as may be required by the Financial Institution.
Borrower agrees to not take any additional financing during the term of their agreement with ECG for loan number
483844 and agrees to provide ECG with their online banking log in credentials so ECG can verify on the 1st of each
month that no other financing was obtained.
If your bank requires a token for log in, please call us at (877) 262-6235 to discuss log in options.
Name of Financial Institution
Address of Financial Institution – Branch, City, State & Zip Code
Address of Account Holder – Street, City, State & Zip Code
Amount Financial Institution 9 Digit Routing Number Checking/Savings Account Number
IF AT ANY POINT DURING YOUR LOAN YOUR ACH DEDUCTIONS ARE RETURNED AND ECG IS UNABLE TO
ACCESS YOUR ACCOUNT, WE WILL BILL YOU AN ACH BLOCK FEE OF $2,500.00.
Principal #1 Name: By:

IVAN GASTON DUDLEY
Date:
Principal #2 Name: By:

KIARI DUDLEY
Date:
ATTACHMENT C: TABLE OF FEES AND CHARGES
$399.00
Origination Fee
One-time fee for underwriting and sale processing expenses.
$65.00
ACH Program Fee
One-time fee to cover the costs of ACH processing setup and administration.
$75.00
Bank Change Fee For each change of the Borrower’s Account requested; the Borrower’s Account may only be
changed to another commercial checking account.
$50.00
NSF Fee
Per NSF. After 5 NSF’s the Agreement will be considered in default.
$35.00
Rejected ACH Per incident. If an ACH is rejected based on any action taken by Borrower to our specific ACH
debit or All ACH debits without prior notification and authorization by Borrower.
$2,500.00
ACH Block on Account If Borrower places an ACH Block on their account preventing us from processing an ACH debit to
the Borrower’s Account. This action would also place the Agreement in default.
$5,000.00
Default Fee If the Borrower changes the bank account or defaults on the Loan for any reason contained
therein.
ATTACHMENT D: CONTINUING GUARANTY

For valuable consideration, the adequacy and guaranties of the Obligations, is continuing and covers
sufficiency of which is acknowledged, the all Obligations, including those arising under
undersigned (“Guarantor”) unconditionally guaranties successive transactions which continue or increase
and promises (a) to pay to Expansion Capital Group, the Obligations from time to time, renew all or part of
LLC (“Beneficiary”), on demand, all Obligations to the Obligations after they have been satisfied, or
Beneficiary of create new Obligations.
4 STREAMS REALTY LLC 3. Authorization.
Guarantor authorizes Beneficiary, without notice and
11321 NORTHWOODS FOREST DR without affecting Guarantor’s liability under this
CHARLOTTE, NC 28214 Guaranty, from time to time, to (a) renew, compromise,
extend, accelerate, release, subordinate, waive,
(“Debtor”) and (b) to perform all undertakings of amend and restate, or otherwise amend or change,
Debtor in connection with the Obligations. the interest rate, time or place for payment or any
“Obligations” is used in its most comprehensive sense other terms of all or any part of the Obligations; (b)
and includes any and all debts, liabilities, rental accept delinquent or partial payments on the
obligations, and other obligations and liabilities of Obligations; (c) take or not take security or other credit
every kind of Debtor to Beneficiary, whether made, support for this Guaranty or for all or any part of the
incurred or created previously, concurrently or in the Obligations, and exchange, enforce, waive, release,
future, whether voluntary or involuntary and however subordinate, fail to enforce or perfect, sell, or
arising, whether incurred directly or acquired by otherwise dispose of any such security or credit
Beneficiary by assignment or succession, whether due support; (d) apply proceeds of any such security or
or not due, absolute or contingent, liquidated or credit support and direct the order or manner of its
unliquidated, legal or equitable, whether Debtor is sale or enforcement as Beneficiary, at its sole
liable individually or jointly or with others, whether discretion, may determine; and (e) release or
incurred before, during or after any bankruptcy, substitute Debtor or any guarantor or other person or
reorganization, insolvency, receivership or similar entity liable on the Obligations.
proceeding (“Insolvency Proceeding”), and whether
4. Waivers.
recovery thereof is or becomes barred by a statute of
limitations or is or becomes otherwise unenforceable, To the maximum extent permitted by law, Guarantor
together with all expenses of, for and incidental to waives (a) all rights to require Beneficiary to proceed
collection, including reasonable attorneys’ fees. against Debtor, or any other guarantor, or proceed
against, enforce or exhaust any security for the
Guarantor further acknowledges and agrees with
Obligations or to marshal assets or to pursue any
Beneficiary that:
other remedy in Beneficiary’s power whatsoever; (b)
1. Guarantees. all defenses arising by reason of any disability or other
The Guarantor guarantees: (a) the due and punctual defense of Debtor, the cessation for any reason of the
payment of all Obligations upon request by liability of Debtor, any defense that any other
Beneficiary; (b) the prompt performance and indemnity, guaranty or security was to be obtained,
observance by Debtor of all other obligations, any claim that Beneficiary has made Guarantor’s
covenants, and duties of Debtor as set forth in the obligations more burdensome or more burdensome
Loan Agreement and any other instruments or than Debtor’s obligations, and the use of any proceeds
documents executed in connection therewith, of the Obligations other than as intended or
whether according to the present terms thereof or understood by Beneficiary or Guarantor; (c) all
pursuant to any extension of time or to any change or presentments, demands for performance, notices of
changes in the terms, warranties, covenants, nonperformance, protests, notices of dishonor, notices
agreements and conditions thereof now or at any time of acceptance of this Guaranty and of the existence or
in hereafter made or granted. creation of new or additional Obligations, and all other
notices or demands to which Guarantor might
2. Continuing Nature. otherwise be entitled; (d) all conditions precedent to
This is an absolute, unconditional and continuing the effectiveness of this Guaranty; (e) all rights to file a
guaranty of payment of and performance of the claim in connection with the Obligations in an
Obligations and shall continue to be in force and be Insolvency Proceeding filed by or against Debtor; (f) all
binding upon the undersigned until all Obligations are rights to require Beneficiary to enforce any of its
paid in full. This Guaranty is in addition to any other remedies; and (g) until the Obligations are satisfied or
fully paid with such payment not subject to return: (i) authority of those acting or purporting to act on behalf
all rights of subrogation, contribution, indemnification of Debtor, and this Guaranty shall be enforceable with
or reimbursement, (ii) all rights of recourse to any respect to any Obligations Beneficiary grants or
assets or property of Debtor, or to any collateral or creates in reliance on the purported exercise of such
credit support for the Obligations, (iii) all rights to powers or authority.
participate in or benefit from any security or all credit
support Beneficiary may have or acquire, and (iv) 9. Assignments.
rights, remedies and defenses Guarantor may have or Without notice to Guarantor, Beneficiary may assign
acquire against Debtor. the Obligations and this Guaranty, in whole or in part,
and may disclose to any prospective or actual Lender
5. Guarantor to Keep Informed. of all or part of the Obligations any and all information
Guarantor warrants having established with Debtor Beneficiary has or acquires concerning Guarantor, this
adequate means of obtaining, on an ongoing basis, Guaranty and any security for this Guaranty.
such information as Guarantor may require concerning Guarantor’s obligations hereunder may not be
all matters bearing on the risk of nonpayment or assigned by Guarantor.
nonperformance of the Obligations. Guarantor
assumes sole, continuing responsibility for obtaining 10. Counsel Fees and Costs.
such information from sources other than from Guarantor will pay or reimburse Beneficiary for all
Beneficiary. Beneficiary has no duty to provide any costs and expenses (including reasonable attorneys'
information to Guarantor until Beneficiary receives fees and legal expenses) incurred by Beneficiary in
Guarantor’s written request for specific information in connection with the protection, defense or
Beneficiary’s possession and Debtor has authorized enforcement of this Guaranty in any litigation or
Beneficiary to disclose such information to Guarantor. bankruptcy or insolvency proceedings.
6. Subordination. 11. Married Guarantors.

All obligations of Debtor to Guarantor which presently By executing this Guaranty, a married Guarantor
or in the future may exist (“Guarantor’s Claims”) are acknowledges recourse may be had against his or her
hereby subordinated to the Obligations, along with separate and community property for all his or her
any other right to payment from the Debtor’s estate, obligations under this Guaranty.
arising out of or on account of any sums paid or
12. Multiple Guarantors/Debtors.
agreed to be paid by the undersigned under this
Guaranty, whether any such right is reduced to When there is more than one Debtor named herein or
judgment, liquidated, unliquidated, fixed, contingent, when this Guaranty is executed by more than one
matured, unmatured, disputed, undisputed, secured, Guarantor, then the words “Debtor” and “Guarantor,”
or unsecured. At Beneficiary’s request, Guarantor’s respectively, shall mean all and any one or more of
Claims will be enforced and performance thereon them, and their respective successors and assigns,
received by Guarantor only as a trustee for including debtors-in-possession and bankruptcy
Beneficiary, and Guarantor will promptly pay over to trustees; words used herein in the singular shall be
Beneficiary all proceeds recovered for application to considered to have been used in the plural where the
the Obligations without reducing or affecting context and construction so requires in order to refer
Guarantor’s liability under other provisions of this to more than one Debtor or Guarantor, as the case
Guaranty. may be.
7. Security. 13. Integration/Severability/Amendments.

To secure Guarantor’s obligations under this Guaranty, This Guaranty is intended by Guarantor and
other than for payment of Obligations which are Beneficiary as the complete, final expression of their
subject to the disclosure requirements of the United agreement concerning its subject matter. It
States Truth in Lending Act, Guarantor grants supersedes all prior understandings or agreements
Beneficiary a security interest in all moneys, general with respect thereto and may be changed only by a
and special deposits, instruments and other property writing signed by Guarantor and Beneficiary. No
of Guarantor at any time maintained with or held by course of dealing, or parole or extrinsic evidence shall
Beneficiary, and all proceeds of the foregoing. be used to modify or supplement the express terms
of this Guaranty. If any provision of this Guaranty is
8. Authorization. found to be illegal, invalid or unenforceable, such
Where Debtor is a corporation, limited liability provision shall be enforced to the maximum extent
company, partnership or other entity, Beneficiary need permitted, but if fully unenforceable, such provision
not inquire into or verify the powers of Debtor or shall be severable, and this Guaranty shall be
construed as if such provision had never been a part below. Guarantor and Beneficiary may change the
of this Guaranty, and the remaining provisions shall place to which notices, requests, and other
continue in full force and effect. communications are to be sent to them by giving
written notice of such change to the other.
14. Joint and Several.
If more than one Guarantor signs this Guaranty, the 16. Governing Law, Consent to Jurisdiction
obligations of each under this Guaranty are joint and This Guaranty shall be governed by and construed
several, and independent of the Obligations and of the according to the laws of South Dakota. Guarantor
obligations of any other person or entity. A separate submits to the non-exclusive jurisdiction Second
action or actions may be brought and prosecuted Judicial Circuit State Court in South Dakota or in the
against any one or more guarantors, whether action is United States District Court for the District of South
brought against Debtor or other guarantors of the Dakota, Southern Division, and waives any argument
Obligations, and whether Debtor or others are joined that venue in such forums is not convenient. In the
in any such action. event Guarantor commences any action in another
jurisdiction or venue under any tort or contract theory
15. Notice. arising directly or indirectly from the relationship
Any notice given by any party under this Guaranty created by this Guaranty, Beneficiary at its option shall
shall be effective only upon its receipt by the other be entitled to have the case transferred to one of the
party and only if (a) given in writing and (b) personally jurisdictions and venues described above, or if such
delivered or sent by United States mail, postage transfer cannot be accomplished under Applicable
prepaid, and addressed to Beneficiary or Guarantor at Law, to have such case dismissed without prejudice.
their respective addresses for notices indicated
Executed as of 10/24/2019.Guarantor acknowledges having received a copy of this Guaranty and having made
each waiver contained in this Guaranty with full knowledge of its consequences.
Guarantor #1 Guarantor #2
Name: IVAN GASTON DUDLEY Name: KIARI DUDLEY
By: By:
Home Address for notices to Guarantor: Home Address for notices to Guarantor:
11321 NORTHWOODS FOREST DR 11321 NORTHWOODS FOREST DR
CHARLOTTE, NC 28214 CHARLOTTE, NC 28214
Date: Date:
Beneficiary
Name: Vincent Ney
By: Address for notices to Beneficiary:

5020 S. Broadband Lane, Suite 100
Its: CHIEF EXECUTIVE OFFICER
Sioux Falls, SD 57108
Attn: Vincent Ney
ATTACHMENT E: PRIVACY POLICY

LAST UPDATED: November 14, 2018
This Privacy Policy explains how information about information, including cookies and web beacons.
you is collected, used and disclosed by Expansion Cookies are small data files stored on your hard
Capital Group, LLC (“Company”). This Privacy Policy drive that help us to improve our Services and your
applies to information we collect when you use our experience, to see which areas and features of our
website and other online products and services Services are popular and to count visits. Web
(collectively, the “Services”) or when you otherwise beacons are electronic images that may be used in
interact with us. our Services or emails and help deliver cookies,
count visits and understand usage and campaign
We may change this Privacy Policy from time to time. effectiveness. For more information about cookies,
If we make changes, we will notify you by revising the and how to disable them, please see “Your
date at the top of the policy and, in some cases, we Choices” below.
may provide you with additional notice (such as
Information We Collect from Other Sources
adding a statement to our homepage or sending you
a notification). We encourage you to review the We may also obtain information from other sources
Privacy Policy whenever you access the Services or and combine that with information we collect through
otherwise interact with us to stay informed about our our Services. For example, we may collect information
information practices and the ways you can help about you from third parties, including but not limited
protect your privacy. to identity verification services, credit bureaus, and
publicly available sources.
COLLECTION OF INFORMATION
USE OF INFORMATION
Information You Provide to Us
We may use information about you for various
We collect information you provide directly to us. For
purposes, including to:
example, we collect information when you create an
account, apply for financing, participate in any  Provide, maintain and improve our Services;
interactive features of the Services (including chatting  Provide and deliver the products and services you
with a customer service representative), fill out a form, request, process transactions and send you related
apply for a job, request customer support or otherwise information, including confirmations and invoices;
communicate with us. The types of information we  Send you technical notices, updates, security alerts
may collect include your name, business name, email and support and administrative messages;
address, postal address, phone number, fax number,  Respond to your comments, questions and
revenues or sales information, credit card information, requests and provide customer service;
social security information, date of birth and any other  Communicate with you about products, services,
information you choose to provide. offers, promotions, rewards, and events offered by
Company and others, and provide news and
Information We Collect Automatically When You
information we think will be of interest to you;
Use the Services
 Monitor and analyze trends, usage and activities in
When you access or use our Services, we connection with our Services;
automatically collect information about you, including:  Detect, investigate and prevent fraudulent
transactions and other illegal activities and protect
 Log Information: We collect log information about
the rights and property of Company and others;
your use of the Services, including the type of
 Personalize and improve the Services and provide
browser you use, access times, pages viewed, your
content or features that match user profiles or
IP address and the page you visited before
interests;
navigating to our Services.
 Link or combine with information we get from
 Device Information: We collect information about
others to help understand your needs and provide
the computer or mobile device you use to access
you with better service; and
our Services, including the hardware model,
 Carry out any other purpose for which the
operating system and version, unique device
information was collected.
identifiers and mobile network information.
 Information Collected by Cookies and Other Company is based in the United States and the
Tracking Technologies: We and our service information we collect is governed by U.S. law. By
providers use various technologies to collect accessing or using the Services or otherwise providing
information to us, you consent to the processing and SECURITY

transfer of information in and to the U.S. and other
Company takes reasonable measures to help protect
countries, where you may not have the same rights as
information about you from loss, theft, misuse and
you do under local law. Where this is the case, we will
unauthorized access, disclosure, alteration and
take appropriate measures to protect information
destruction.
about you in accordance with this Privacy Policy.
YOUR CHOICES
SHARING OF INFORMATION
Account Information
We may share information about you as follows or as
otherwise described in this Privacy Policy: You may update, or correct information about you at
any time by contacting us by email at
 With vendors, consultants and other service privacy@expansioncapitalgroup.com, calling us at
providers who need access to such information to (800) 894-5277, or by postal mail at 5020 S. Broadband
carry out work on our behalf; Lane, Suite 100, Sioux Falls, SD 57108. At such time as
 In response to a request for information if we your business transaction with us has been completed
believe disclosure is in accordance with, or or your account has been closed, we may retain
required by, any applicable law, regulation or legal certain information as required by law or for legitimate
process; business purposes. We may also retain cached or
 If we believe your actions are inconsistent with our archived copies of information about you for a certain
user agreements or policies, or to protect the period of time.
rights, property and safety of Company or others;
Cookies
 In connection with, or during negotiations of, any
merger, sale of company assets, financing or Most web browsers are set to accept cookies by
acquisition of all or a portion of our business by default. If you prefer, you can usually choose to set
another company; your browser to remove or reject browser cookies.
 Between and among Company and its current and Please note that if you choose to remove or reject
future parents, affiliates, subsidiaries and other cookies, this could affect the availability and
companies under common control and ownership; functionality of our Services.
and
Promotional Communications
 With your consent or at your direction.
You may opt out of receiving promotional emails or
We may also share aggregated or de-identified
text messages from Company by following the
information, which cannot reasonably be used to
instructions in those emails or text messages or by
identify you.
visiting
www.expansioncapitalgroup.com/unsubscribe.
ANALYTICS SERVICES PROVIDED BY THIRD PARTIES
If you opt out, we may still send you non-promotional
We may allow others to provide us analytics services. communications, such as those about your account or
These entities may use cookies, web beacons, device our ongoing business relations.
identifiers and other technologies to collect
information about your use of the Services and other CONTACT US
websites and applications, including your IP address,
If you have any questions about this Privacy Policy,
web browser, mobile network information, pages
please contact us at: 5020 S. Broadband Lane, Suite
viewed, time spent on pages or in apps, links clicked
100, Sioux Falls, SD 57108 or (877) 204-9203.
and conversion information. This information may be
used by Company and others to, among other things,
analyze and track data, determine the popularity of
certain content, and better understand your online
activity.

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BUSINESS LOAN AGREEMENT

5020 S. Broadband Lane, Suite 100, Sioux Falls, SD 57108

4 STREAMS REALTY LLC

11321 NORTHWOODS FOREST DR

Borrower Tax ID 83-2384041

Amount of Loan $11,400.00

Total Repayment Amount $16,758.00

Origination Fee: $399.00

COMMERCIAL LOAN AND SECURITY AGREEMENT

5. Security Interest. B. Protecting the Security Interest. Borrower agrees

CLAIM OR OTHERWISE PARTICIPATE IN ANY 16. Miscellaneous Provisions:

CERTIFICATION AND SIGNATURES

Name: IVAN GASTON DUDLEY Name: KIARI DUDLEY

IMPORTANT BORROWER INFORMATION

Name Phone # % of Borrower Owned

IVAN GASTON DUDLEY (704) 390-3647 51%

Home Address Social Security Number Date of Birth

11321 NORTHWOODS FOREST DR 243-37-4383 08/15/1980

Name Phone # % of Borrower Owned

KIARI DUDLEY (704) 390-3576 49%

Home Address Social Security Number Date of Birth

11321 NORTHWOODS FOREST DR 237-51-5512 10/10/1979

BORROWER FINANCIAL INFORMATION

Financial Institution (“FI”) Account #1 (Designated Account)

FI 9-Digit Routing # FI Account # Account Type (Transactional, Savings or Other):

Financial Institution (“FI”) Account #2

FI 9-Digit Routing # FI Account # Account Type (Transactional, Savings or Other):

Financial Institution (“FI”) Account #3

FI 9-Digit Routing # FI Account # Account Type (Transactional, Savings or Other):

EXPANSION CAPITAL GROUP CONTACT INFORMATION

Live support is available M–F 8am–5pm CST

ATTACHMENT A: PREPAY AGREEMENT

Agreement # 483844 Date 10/24/2019

Business Legal Name 4 STREAMS REALTY LLC

Calendar Days After Funding Payoff Amount

Name: IVAN GASTON DUDLEY Date:

ATTACHMENT B: ACH CREDIT/DEBIT AUTHORIZATION FORM

Agreement # 483844 Date 10/24/2019

Business Legal Name 4 STREAMS REALTY LLC

Address of Financial Institution – Branch, City, State & Zip Code

Address of Account Holder – Street, City, State & Zip Code

Amount Financial Institution 9 Digit Routing Number Checking/Savings Account Number

Principal #1 Name: By:

Principal #2 Name: By:

ATTACHMENT C: TABLE OF FEES AND CHARGES

ATTACHMENT D: CONTINUING GUARANTY

6. Subordination. 11. Married Guarantors.

7. Security. 13. Integration/Severability/Amendments.

By: Address for notices to Beneficiary:

Attn: Vincent Ney

ATTACHMENT E: PRIVACY POLICY

information to us, you consent to the processing and SECURITY

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