Truth in Lending

Disclosure Statement
Lender: Borrower:

Cross River Bank NINA SEROVA

400 Kelby Street 38203 LONE TREE CT
14th Floor PALMDALE, California 93550
Fort Lee, NJ 07024

ANNUAL FINANCE CHARGE Amount Financed Total of Payments

PERCENTAGE RATE

The cost of your The dollar amount The amount of credit The amount you will
credit as a yearly the credit will cost provided to you or on have paid after you
rate. you. your behalf. have made all
payments as
scheduled.

14.98% $347.13 $2,000.00 $2,347.13

All numerical disclosures except the late payment disclosure are estimates

Your payment schedule will be:

Number of Payments Amount of Payments When Payments are Due

23 $97.80 The first Monthly Payment will be due 51 days

after the first draw on your credit line. All other
Monthly Payments will be due on the same day
of each following month. If your due date is
the 29th, 30th or 31st and the current month is
shorter, your payment will be on the last day of
the month. If the first draw has already set the
payment date, then your first Monthly Payment
for new draws will be on that date.
 Number of Payments Amount of Payments When Payments are Due

One Final Payment $97.73 Your last payment will be due 23 months from
your first Monthly Payment due date.

Prepayment If you pay in part or in full early, you will not have to pay a penalty.

ACH Draw At your option, you may request a Draw in the form of a transfer of funds to your
Fees - Finance bank account via ACH (“ACH Draw”). You will be charged five (5) per cent of the
Charge ACH Draw amount for each ACH Draw, subject to any limits under applicable law
(“ACH Draw Fee”). At our discretion, we may choose to charge a lesser fee. Any
such ACH Draw Fees will increase the amount of the Finance Charge, Total of
Payments and Annual Percentage Rate set forth above. The ACH Draw Fee will be
deducted from the amount of the ACH Draw.

Balance At your option, you may request a Draw in the form of a transfer of funds to a
Transfer Fees - third-party creditor to pay down qualifying outstanding balances you have with
Finance such creditor (“Balance Transfer”). You will be charged five (5) per cent of the
Balance Transfer amount for each Balance Transfer, subject to any limits under
Charge
applicable law (“Balance Transfer Fee”). At our discretion, we may choose to
charge a lesser fee. Any such Balance Transfer Fees will increase the amount of
the Finance Charge, Total of Payments and Annual Percentage Rate set forth
above. The Balance Transfer Fee will be deducted from the amount of the Balance
Transfer to be paid on your behalf to your third-party creditor.

Foreign At your option, you may request a Draw in the form of a Purchase (or, if such
Transaction feature is available for Upgrade OneCard customers, an ATM Draw) (i) in a
Fees - Finance currency other than in U.S. dollars, (ii) in a foreign country or (iii) with a foreign
merchant (each, a “Foreign Transaction”). You will be charged three (3) per cent
Charge
of the Foreign Transaction amount for each Foreign Transaction, subject to any
limits under applicable law (“Foreign Transaction Fee”). At our discretion, we may
choose to charge a lesser fee. Any such Foreign Transaction Fees will increase the
amount of the Finance Charge, Total of Payments and Annual Percentage Rate set
forth above. The Foreign Transaction Fee will be added to your unpaid principal
balance and subject to interest.

Security None. This credit line is unsecured.

Additional See your documents for any additional information about nonpayment, default,
Information and repayment in full before the scheduled due date.

The Finance Charge and Annual Percentage Rate shown above are based on the application of
the interest rate to the full amount of the loan. ACH Draw Fee(s), Balance Transfer Fee(s) or
Foreign Transaction Fee(s) are not included in the Finance Charge and Total of Payments
estimates above because these fees are unknown and are incurred based on how you make
 Draws (as defined in your Personal Credit Line Agreement). If an ACH Draw, Balance Transfer or
Foreign Transaction is made, and the related ACH Draw Fee, Balance Transfer Fee or Foreign
Transaction Fee is incurred, it will have the effect of increasing the Finance Charge, Total of
Payments and Annual Percentage Rate. Such fees will not apply if your account is subject to
certain special protection plans.

Itemization of the Amount Financed

Principal Amount of Loan $2,000.00
Origination Fee/Prepaid Finance Charge (Paid to Lender) $0.00
Amount Financed (Amount Provided to You) $2,000.00

Date Generated: 03/27/2024