Credit Charge

CONSUMER CREDIT DISCLOSURE - PROMISSORY NOTE

CREDITOR/LENDER ATLAS CREDIT CO., INC. ACCOUNT # 7806-033 DATE OF NOTE 08/08/24 ADDRESS 222B W. JEFFERSON BORROWER FITZGERALD, LARRY DALLAS, TX 75208- ADDRESS 575 COUNTYLINE RD #2201

TELEPHONE # 214-***-**** TATUM, TX 75691

"I" and "me" means each person who signs as a Borrower. "You" means the Lender.

ANNUAL PERCENTAGE RATE FINANCE CHARGE Amount Financed Total of Payments

The cost of my credit as a The dollar amount the credit The amount of credit provided The amount I will have paid

yearly rate. will cost me. to me or on my behalf. after I have made all payments

as scheduled.

97.84% $ 484.00 $ 800.00 $ 1284.00

MY PAYMENT SCHEDULE WILL BE:

Number of Payments Amount of Payments When Payments Are Due

1 First Payment of $ 107.00 Due On 09/08/24 .

10 Payment(s) of $ 107.00 Starting on 10/08/24 and due each month thereafter.

1 Final Payment of $ 107.00 Due On 08/08/25, the maturity date.

SECURITY: This loan is unsecured. ITEMIZATION OF THE AMOUNT FINANCED

LATE CHARGE: If any part of a payment is unpaid for 10 Previous Account # 7806 -032

days after it is due, you can charge me a late charge. If the

amount financed is less than $100, the late charge will be Previous Balance $ 1021.52

5% of the amount of the installment. If the amount

financed is $100 or more, the late charge will be the greater of Less Payment Today $ 0.00

$10.00 or 5% of the amount of the installment.

Late Charge on Previous Account $ 0.00

PREPAYMENT: If I pay off early, I may be entitled to a refund

of part of the finance charge. Past Maturity Interest on Previous Account... $ 0.00

ADDITIONAL INFORMATION: See the contract documents for any NSF Charge on Previous Account $ 0.00

additional information about nonpayment, default, any required

repayment in full before the scheduled date, and prepayment Less Refund $ 221.52

refunds and penalties.

Net Balance Renewed $ 800.00

Amount paid to others on my behalf $ 0.00

Payable to: $ 0.00

Payable to: $ 0.00

ITEMIZATION OF THE FINANCE CHARGE Payable to: $ 0.00

Acquisition Charge $ 100.00 Cash to me $ 0.00

Installation Account Handling Charge $ 384.00 Amount Financed $ 800.00

I promise to pay the Total of Payments to the order of you, the Lender. I will make the payments at your address above. I will make the payments on the dates and in the amounts shown in the Payment Schedule. If I don't pay all of the payment within 10 days after it is due, you can charge me a late charge. If I don't pay all I owe when the final payment becomes due, I will pay interest on the amount that is still unpaid. The interest will be at a rate of 18.00% per year and will begin the day after the final payment becomes due. I can make a whole payment early. The acquisition charge on this loan will not be refunded if I pay off early. If I pay all I owe before the beginning of the last monthly period, I will save part of the installment account handling charge. You will figure the amount I save by the Sum of the Periodic Balances Method. This method is explained in the Finance Commission rules. You don't have to refund or credit any amount less than $1.00.

If I ask for more time to make any payment and you agree, I will pay more interest to extend the payment. The extra interest will be figured under the Finance Commission rules. I agree to pay you a reasonable fee of up to $30 for a returned check. You can add the fee to the amount I owe under this agreement or collect it separately. If I break any of my promises in this document, you can demand that I immediately pay all that I owe. You can also do this if you in good faith believe that I am not going to be willing or able to keep all of my promises. I agree that you don't have to give me notice that you are demanding or intend to demand immediate payment of all that I owe. If I am giving collateral for this loan, I will see the separate security agreement for more information and agreements. I will keep all of my promises in this document. If there is more than one Borrower, each Borrower agrees to keep all of the promises in this document. I promise that all information I gave you is true. If you don't enforce your rights every time, you can still enforce them later. Federal law and Texas law apply to this contract. I don't have to pay interest or other amounts that are more than the law allows. Any change to this agreement has to be in writing. Both you and I have to sign it. You can mail any notice to me at my last address in your records. Your duty to give me notice will be satisfied when you mail it.

If I break any of my promises in this contract, you may attempt to contact me in person, by mail, telephone, text message or fax. I agree that if I do not have an attorney, you may attempt to contact other people; but only to find out where I live, what my phone number is, and where I work.

Any dispute or claim resulting from or relating to this contract will be settled by arbitration directed by the American Arbitration Association under its Commercial Arbitration Rules. By agreeing to this arbitration provision, you waive your right to a jury trial. For questions or complaints about this loan, contact ATLAS CREDIT CO., INC. at 214-***-**** and www.atlascredit.com/contact.php. The lender is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd, Austin, TX 78705. Phone: 800-***-****. Fax: 512-***-****. Website: http://www.occc.texas.gov. E-mail: ad8uro@r.postjobfree.com. Recibi la Forma Informe de Prestamo Maria I received the Spanish Disclosure. Initial Address Emp # X Borrower Home/Cell Phone Work Phone Ext

X Employee

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

A security interest in this document and all obligations of the account debtor evidenced hereby has been granted to and for the benefit of Mount Logan Management LLC.

(form (c)CFS Inc. rev. 05/08/24, printed 08/08/24 10:20 by 49, tx#, loannote.tx.en.frm.htm) 903-***-****

903-***-**** N/A

Document Ref: DDN56-8K9HZ-CILJL-CJP43 Page 1 of 1

Signature Certificate

Reference number: DDN56-8K9HZ-CILJL-CJP43

Document completed by all parties on:

08 Aug 2024 22:10:21 UTC

Page 1 of 1

Signer Timestamp Signature

Larry Fitzgerald

Phone: +1-903-***-****

Recipient Verification:

Sent: 08 Aug 2024 20:04:15 UTC

Viewed: 08 Aug 2024 20:04:59 UTC

Signed: 08 Aug 2024 22:10:21 UTC

Phone number verified 08 Aug 2024 20:04:59 UTC

IP address: 166.199.246.2

Location: Fort Worth, United States

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