Lead Bank

1801 Main Street

Kansas City, MO 64108

USA PATRIOT Act Customer Identification Program Notice

Important Information You Need to Know About Opening A New Account

To help the government fight the funding of terrorism and money
laundering activities, federal law requires financial institutions to obtain, verify,
and record information that identifies each person who opens an account.

Types of Information You Will Need to Provide

Jimmie white
When you open an account, we are required to collect information such as the following
from you:

• Your name
• Date of birth
• Address
• Identification number
US Citizen: taxpayer identification number (Social Security Number)
Non-US Citizen: taxpayer identification number,
passport number and country of issuance, alien identification card number, or
government-issued identification showing nationality, residence and a
photograph of you.

You may also need to show your driver's license or other identifying
documents.

If Your Identity Cannot Be Verified

We may not be able to open an account for you.

We thank you for your patience and hope that you will support the financial industry's
efforts to deny terrorists and money launderers access to America's financial system.
 Lead Bank
1801 Main Street
Kansas City, MO 64108

Truth in Savings Disclosure for Certificate of Deposit

FIXED RATE INFORMATION

The interest rate on your account is 0.10% with an annual percentage yield (APY) of
0.10%. You will be paid this rate until maturity.

COMPOUNDING AND CREDITING

Interest will be compounded annually and will be credited to your account annually.

The annual percentage yield assumes interest will remain on deposit until maturity. A
withdrawal will reduce earnings. If you close your account before interest is credited,
you will not receive the accrued interest. If interest is credited to another account, this
may reduce earnings and may negate the effect of interest compounding.

MINIMUM BALANCE REQUIREMENTS

You must deposit $724.00 to open this account.

BALANCE COMPUTATION METHOD

We use the daily balance method to calculate interest on your account. This method
applies a daily periodic rate to the principal in the account each day.

ACCRUAL ON NONCASH DEPOSITS

Interest begins to accrue on the business day you deposit noncash items (for example,
checks).

FEES AND CHARGES

See the Service Fees Schedule for a list of other fees. At our discretion, we may change
the fees on this account.

TRANSACTION LIMITATIONS
You may not make deposits into your account until the maturity date. You may not
make withdrawals from your account until the maturity date.

MATURITY DATE
Your account will mature on 11/02/2022.

EARLY WITHDRAWAL PROVISIONS

Withdrawals made prior to maturity will be assessed a penalty of 90 days interest. If the
account closes before interest is credited to the account, you will not receive the interest
which may result in a loss of principal due to penalty.

RENEWAL POLICIES
Your account will not automatically renew at maturity, and no additional interest will be
paid to you if we continue to hold your funds after maturity. If, at the time your account
matures,
you have a Self Visa secured credit card account issued by Lead Bank, your funds will be
transferred to the security account associated with your secured credit card account. If
you do not have a Self Visa secured credit card account at maturity, then your funds will
be paid to you in the manner you elected at the time you established your account,
unless you later change your election to have your funds paid to you by another method
permitted by us.
 Terms and Conditions: Certificate of Deposit

Agreement - This document, along with your Truth in Savings Disclosure for Certificate
of Deposit, account selection form, fee schedule, Certificate Receipt, Privacy Notice and other
disclosures provided to you constitute our agreement with you regarding your Certificate of Deposit
("Account"). You have agreed to keep the funds on deposit until maturity.
If your Account has not matured, any withdrawal of all or part of the funds from your Account may
result in an early withdrawal penalty. We will consider requests for
early withdrawal and, if granted, the penalty provided in the Truth in Savings Disclosure for Certificate
of Deposit will apply.

Penalty - The early withdrawal penalty is calculated as a forfeiture of part of the accrued interest that
has or would be earned on the Account. If your Account has not yet earned enough interest so that the
penalty can be deducted from earned interest, or if the interest has already been paid, the difference
will be deducted from the principal amount of your Account.

Exceptions - We may let you withdraw money from your Account before the maturity date without an
early withdrawal penalty when one or more owners on the Account dies or is determined legally
incompetent by a court or other administrative body of competent jurisdiction.

Right of Setoff - Subject to applicable law, we may exercise our right of setoff that we are entitled to
exercise under common law, under this Agreement and under statute, or security interest to recover
amounts you owe us from any and all accounts you maintain with us without notice to you, except that
this provision does not apply to any IRA, Keogh plan, certain trust accounts (but excluding Totten
Trust Accounts), or Health Savings Accounts. We may exercise our right of setoff for any liability or
debt of any of you, whether joint or individual, whether direct or contingent, whether now or hereafter
existing, and whether arising from overdrafts, endorsements, guarantees, loans, attachments,
garnishments, levies, attorneys' fees, or other obligations.

Notice of Amendments - You agree that from time to time we may amend the terms and conditions
of this Agreement, including without limitation all rates, fees, and charges, to the extent permitted by
law. We will notify you of amendments as required by law.

Fees and Charges - We may impose fees as disclosed in the Service Fees Schedule, which
may be amended from time to time as described above.

Payment of Interest - Interest will be compounded annually and will be credited to your Account
annually. Please see your Truth in Savings disclosures for the current rate and policies.

Additional Deposits- You may not make additional deposits to your Account.
 Lead Bank
1801 Main Street
Kansas City, MO 64108

Truth in Savings Disclosure

Lead On Savings Account

Date 11/02/2020

The interest rate and annual percentage yield stated below are accurate as of the date
printed above. If you would like more current rate and yield information, please call us
at 816-220-8600.

This disclosure contains the rules which govern your deposit account. Unless it would be
inconsistent to do so, words and phrases used in this disclosure should be construed so
that the singular includes the plural and the plural includes the singular.

We reserve the right at any time to require not less than 7 days' notice before any
withdrawal from an interest bearing account.

VARIABLE RATE INFORMATION

The interest rate on your account is 0.10% with an annual percentage yield (APY) of
0.10%. Your interest rate and annual percentage yield may change. At our discretion,
we may change the interest for your account at any time.

COMPOUNDING AND CREDITING

Interest will be compounded daily and will be credited to your account on the last day of
the month.

MINIMUM BALANCE REQUIREMENTS

A minimum deposit of at least $25 is required to open this account. You must maintain a
minimum balance of $25 in the account each day or a fee of $5 per month will be
charged.

BALANCE COMPUTATION METHOD

We use the daily balance method to calculate interest on your account. This method
applies a daily periodic rate to the principal in the account each day.

ACCRUAL ON NONCASH DEPOSITS

Interest begins to accrue on the business day you deposit noncash items (for example,
checks).

FEES AND CHARGES

See Additional Fee Schedule for a list of other fees. At our discretion, we may change
the fees on this account.

TRANSACTION LIMITATIONS
Withdrawals are limited to the following two options:

1. Automated
Clearing House (ACH) credit to a checking or savings account you own at Lead
Bank or another bank.
2. A physical check payable to the account owner mailed to the account owner.

You may request up to six (6) withdrawals from your account per month without
incurring additional fees, but only one (1) withdrawal per month may be distributed to
you by check without incurring additional fees. You may make additional withdrawals,
but there will be a fee of $5.00 for each additional withdrawal after the first six (6)
withdrawals per month, and there will be a fee of $2.00 for each additional withdrawal
by check per month after the first check withdrawal.

EFFECT OF CLOSING ACCOUNT

You will not receive the accrued interest if you close your account before interest is
credited.
 Terms and Conditions: Lead On Savings Account

Agreement - This document, along with your Truth in Savings disclosure for Lead
the Way Savings Account, account selection form, fee schedule, Privacy Notice and other disclosures
provided to you constitute our agreement with you regarding your Account. This document is subject
to applicable federal laws, the laws of the state of Missouri and other applicable rules such as the
operating letters of the Federal Reserve Banks and payment processing system rules (except to the
extent that this document can and does vary such rules or laws). You agree to the terms of this
Account and our Fee Schedule. You authorize us to deduct these charges, without notice to you,
directly from the account balance as accrued. You will pay any additional reasonable charges for
services you request which are not covered by this document.

Joint Owners - If this Account is in the name of two or more persons, this Account is a Joint Account–
With Survivorship (and not as Tenancy by the Entirety or as Tenants
in Common). Each of you intend that when you die the balance in the Account will belong to the
survivor(s). Generally, unless clearly indicated otherwise on the account records, any of you, acting
alone, who sign to open the Account or has authority to make withdrawals may withdraw or transfer all
or any part of the account balance at any time. Each of you (until we receive written notice to the
contrary) authorizes each other person who signs or has authority to make withdrawals to endorse any
item payable to you or your order for deposit to this Account or any other transaction with us. Each of
you also agrees to be jointly and severally (individually) liable for any account shortage resulting from
charges or overdrafts, whether caused by your or another with access to this Account.

Right of Setoff - Subject to applicable law, we may exercise our right of setoff that we are entitled to
exercise under common law, under this Agreement and under statute, to recover amounts you owe us
from any and all Accounts you maintain with us without notice to you, except that this provision does
not apply to any IRA, Keogh plan, certain Trust Accounts (but excluding Totten Trust Accounts), or
Health Savings Accounts. We may exercise our right of setoff for any liability or debt of any of you,
whether joint or individual, whether direct or contingent, whether now or hereafter existing, and
whether arising from overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies,
attorneys' fees, or other obligations.

Notice of Amendments - You agree that from time to time we may amend the terms and conditions
of this Agreement, including without limitation all rates, fees, and charges, to the extent permitted by
law. We will notify you of amendments as required by law.

Fees and Charges - We may impose fees as disclosed In our Fee Schedule, which may be amended
from time to time as described above.

Payment of Interest- Interest will be compounded daily and will be credited to your Account on the
last day of the month. Please see your Truth in Savings Disclosure for the current rate and policies.

Additional Deposits - You may make additional deposits to your Account. We will give only
provisional credit until collection is final for any item, other than cash, we accept for deposit (including
items drawn "on us"). Before settlement of any item becomes final, we act only as your agent,
regardless of the form of indorsement or lack of indorsement on the item and even though we provide
you provisional credit for the item. We may reverse any provisional credit for items that are lost,
stolen, or returned. We are not responsible for transactions by mail or outside depository until we
actually record them. We will treat and record all transactions received after our "daily cutoff time" on
a business day we are open, or received on a day we are not open for business, as if initiated on the
next business day that we are open.

Notice of Withdrawal - We reserve the right to require not less than 7 days' notice in writing before
each withdrawal from an interest-bearing account other than a time deposit, or from any other savings
account as defined by Regulation D. (The law requires us to reserve this right, but it is not our general
policy to use it.)

ACH Transfers - If you originate an ACH fund transfer and you identify by name and number a
beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every
receiving or beneficiary financial institution may rely on the identifying number to make payment. We
may rely on the number even if it identifies a financial institution, person or account other than the one
named. You agree to be bound by automated clearing house association rules. These rules provide,
among other things, that payments made to you, or originated by you, are provisional until final
settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in
Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled
to a refund from you in the amount credited to your Account and the party originating such payment
will not be considered to have paid the amount so credited. If we receive a payment order to credit an
account you have with us by ACH, we are not required to give you any notice of the payment order or
credit.

Security - It is your responsibility to protect the account numbers and electronic access devices we
provide for your Account, if any. Do not discuss, compare, or share information about your account
number(s) with anyone unless you are willing to give them full use of your money. An account number
can be used by thieves to encode your number on a false demand draft which looks like and functions
like an authorized check. If you furnish your access device and grant actual authority to make transfers
to another person (a family member or coworker, for example) who then exceeds that authority, you
are liable for the transfers unless we have been notified that transfers by that person are no longer
authorized. Your account number can also be used to electronically remove money from your Account.
If you provide your account number in response to a telephone solicitation for the purpose of making a
transfer (to purchase a service or merchandise, for example), payment can be made from your
Account even though you did not contact us directly and order the payment.

Your Liability for Unauthorized Use - You are responsible for keeping your password and account
information secret. If you allow others to access your Account, you are responsible for any transactions
they authorize from your Account.

CONTACT US AT ONCE if you believe your password has been lost, stolen, used
without your authorization, or otherwise compromised, or if someone has transferred or may transfer
money from your accounts without your permission. Telephoning is the best way of keeping your
possible losses down. You could lose all the money in your Account.

If you do not tell us within 60 days after the statement containing an unauthorized transaction was
sent to you, you may lose any amount transferred without your authorization if we can prove that we
could have stopped someone from making the unauthorized transfer if you had told us on time. If a
good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the
period.

Error Resolution - In case of errors or questions about your electronic transactions, contact us by
telephone at (877) 883-0999, or email us at help@self.inc, as soon as you can, if you think
your statement is wrong or if you need more information about an electronic transaction listed on the
statement. We must hear from you no later than 60 days after we sent the FIRST statement on which
the problem or error appeared. You must: (1) Tell us your
name and account number; (2) Describe the electronic transaction you are unsure about, and explain
why you believe an error has occurred or why you need more information; and (3) Tell us the dollar
amount of the suspected error.

If you tell us orally, we may require that you send your complaint or question in writing within 10
business days.

We will communicate to you the results of our investigation within 10 business days after you contact
us and will correct any error promptly. If we need more time, however, we may take up to 45 days to
investigate your complaint or question. If we decide to do this, we will provisionally credit your Account
within 10 business days for the amount you think is in error, so that you will have the use of your
money during the time it takes us to complete our investigation. If we ask you to put your complaint or
question in writing and we do not receive it within 10 business days, we may not provisionally credit
your Account.

If you are a new customer, for electronic funds transfers occurring during the first 30 days after the
first deposit is made to your Account, we may take up to 90 days to investigate your complaint or
question, and we may take up to 20 business days to provisionally credit your Account for the amount
you think is in error.

We will tell you the results within 3 business days after completing our investigation. If we decide that
there was no error, we will send you a written explanation. You may ask for copies of the documents
that we used in our investigation.
 Rev. April 15, 2019

WHAT DOES LEAD BANK

FACTS DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law
gives consumers the right to limit some but not all sharing. Federal law also
requires us to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or
service you have with us. This information can include:

• Social Security number and income

• Account balances and payment history
• Credit history and credit scores

When you are no longer our customer, we continue to share your information as
described in this notice.
How? All financial companies need to share customers' personal information to run their
everyday business. In the section below, we list the reasons financial companies
can share their customers' personal information; the reasons Lead Bank chooses to
share; and whether you can limit this sharing.

Does Lead Can you limit

Reasons we can share your personal information
Bank share? this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s),
Yes No
respond to court orders and legal investigations, or report to
credit bureaus
For our marketing purposes—
Yes No
to offer our products and services to you

For joint marketing with other financial companies Yes No

For our affiliates' everyday business purposes—

No We don't share
information about your transactions and experiences

For our affiliates' everyday business purposes—

No We don't share
information about your creditworthiness

For nonaffiliates to market to you No We don't share

Questions? Call 816-220-8600; 866-845-9545; or go to www.lead.bank

Page 2

Who we are
Who is providing this notice?
Lead Bank

What we do
How does Lead Bank protect my To protect your personal information from unauthorized
personal information? access and use, we use security measures that comply with
federal law. These measures include computer safeguards
and secured files and buildings.
How does Lead Bank collect my We collect your personal information, for example, when you
personal information?
• Apply for a loan or open an account
• Show your government-issued ID or use your credit or
debit card
• Provide employment information

We also collect your personal information from other

companies.
Why can't I limit all sharing? Federal law gives you the right to limit only

• Sharing for affiliates’ everyday business purposes—

information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional

rights to limit sharing.

Definitions
Affiliates Companies related by common ownership or control. They
can be financial and nonfinancial companies.

• Our affiliates include others, such as Lead Financial Group,

Inc. and LB Real Estate Holdings LLC.

Nonaffiliates Companies not related by common ownership or control.

They can be financial and nonfinancial companies.

• Lead Bank does not share with nonaffiliates so they can

market to you.

Joint marketing A formal agreement between nonaffiliated financial

companies that together market financial products or services
to you.

• Third Party Financial Service Providers

Other important information

Lead Bank is chartered under the laws of the State of Missouri and is subject to regulatory
oversight by the FDIC. Any consumer wishing to file a complaint against Lead Bank should
contact the FDIC though one of the following means: In person, by U.S. Mail: 1100 Walnut
Street; Suite 2100; Kansas City, MO 64106, by Telephone (800) 209-7459, or Online at:
https://ask.fdic.gov/FDICCustomerAssistanceForm
 Lead Bank Service Fees

Effective as of April 1, 2019

Service Price
Stop Payment $25.00
Night Drop Zipper Bag $5.00
Money Orders $4.00
Cashier's Check $6.00
Foreign ATM Charge for Clients $2.00
Non-client ATM Fee $3.00
Account Transfer (per transfer via phone) $2.00
Automatic Overdraft Sweep $10.00
Replacement of lost/stolen debit/credit card $20.00
Personalized debit or credit card $10.00
Account research $25.00 an hour
SDB 3X5 $20.00
Annually
SDB 5X5 $30.00
Annually
SDB 3X10 $40.00
Annually
SDB 5X10 $60.00
Annually
SDB 4.5X10 $50.00
Annually
SDB 10x10 $80.00
Annually
SDB Drilling $125.00
SDB Key Replacement $25.00
SDB Late Fee $10.00
Deposited Item Return Fee $9.00
Re-deposit Return Item Fee $5.50
Incoming Wire $15.00
International Incoming Wire $50.00
Person to person transfer via online banking Free
Dormant Fee - Checking $5.00 a month
after one year
NSF - Item Paid or Returned $30.00
Continuous Daily Overdraft Fee $3.00
 Service Price
Foreign Item Processing $2.50
Collection $30.00
Foreign Item Collection $40.00
Canadian Collection $10.00
Draft Collection Fee $40.00
Amortization Schedule $10.00
Copy $1.00 each
Fax $5.00
Garnishment/Levy $20.00
Returned Statement $5.00
Statement Printout $5.00
Activity Printout $3.00
Account deposit with debit or credit card $15.00
Counter Check $0.50
Verification of Deposit $15.00
Outgoing Wire $33.00
International Outgoing Wire $69.00
Returned Outgoing Wire $18.00
Dormant Fee - MMDA and Savings $5.00 a month
after 3 years

Prices effective as of April 1, 2019 and are subject to change at any time.

1801 Main Street, Kansas City, MO 64108 Tel: (816) 220-8600 www.lead.bank
 1801 Main Street
Kansas City, MO 64108
(816) 220-8600

Borrower: Jimmie White

3501 PLAZA DR
CHALMETTE, LA 70043

Truth in Lending Disclosures

ANNUAL Amount
FINANCE Total of Payments
PERCENTAGE Financed
CHARGE The amount you will
RATE The amount of
The dollar have paid after you
The cost of your credit provided to
amount the credit have made all
credit as a yearly you or on your
will cost you. payments as scheduled.
rate. behalf.

15.97% $125.00 $715.00 $840.00

PAYMENT SCHEDULE
Your payment schedule:
Number of Amount of
When Payments are Due
Payments Payments

24 $35.00 Monthly beginning on December 2, 2020

SECURITY. A security interest is being given in a Certificate of Deposit held at Lead Bank.
REQUIRED DEPOSIT DISCLOSURE. The annual percentage rate does not take into account your
required deposit.
LATE CHARGE. If a payment is 15 days or more late, you will be charged 5.0% of the payment
amount (max $50).
PREPAYMENT. If you pay off early, you will not have to pay a penalty.

You should look at your contract documents for any additional information about nonpayment,
default, any required repayment in full before the scheduled date, and prepayment refunds.

Amount Financed Itemization

Funds Credited to Certificate of Deposit: $724.00

Note Principal: $724.00
Prepaid Finance Charges:
Administrative Fee: $9.00
Amount Financed: $715.00
 PROMISSORY NOTE

Borrower: Jimmie White Lender: Lead Bank

3501 PLAZA DR 1801 Main Street
CHALMETTE, LA 70043 Kansas City, MO 64108

Account Number: ******3066

Principal Amount: $724.00 Interest Rate: 14.70% per annum Date of Note: November 2, 2020

"Loan" means the consumer installment loan made by Lender to Borrower under this Note and the
Truth in Lending Disclosures. "We," "us," "our," and "Lender" refer to Lead Bank, and its successors
and assigns. "You," "your," and "Borrower" refer to the borrower(s) identified above. This Note and the
Truth in Lending Disclosures form the "Agreement" governing your Loan.

PROMISE TO PAY. You promise to pay to Lender the principal amount of $724.00 plus interest on the
outstanding principal balance at the Interest Rate disclosed above until the Loan is paid in full. You
agree to make payments on the dates and in the amounts shown in the Payment Schedule in the Truth
in Lending Disclosures. You agree to pay an administrative fee of $9.00, which will be deducted from
the loan proceeds, and all other charges provided for under this Agreement. This Note does not
constitute a negotiable instrument.

INTEREST. Interest will accrue daily on the unpaid principal balance of this Loan, beginning on the
date of this Note. Interest will accrue until you pay the unpaid principal balance in full. Interest is
calculated based on a 365-day year. In calculating your payments, Lender has assumed you will make
each payment on the day and in the amount due. If any payment is received after the Payment Due
Date, you must pay any additional interest that accrues after the Payment Due Date. If any payment is
made before a Payment Due Date, the interest due on the scheduled payment will be reduced, and you
will owe less interest. The amount of any decrease or increase in interest due will affect the amount of
your final payment. If the amount of any payment is not enough to pay the interest due, the unpaid
interest will be paid from your next payment(s), if any, and will not be added to the principal balance.

PAYMENTS. Unless otherwise agreed or required by applicable law, payments will be applied to any
attorney’s fees, legal expenses or other costs, late fees, interest and principal, in the order determined
by Lender in its sole discretion. You will pay Lender at Lender’s address shown above or at such other
place as Lender may designate in writing. You agree not to send Lender payments marked "paid in
full", "without recourse", or similar language. If you send such a payment, Lender may accept it
without losing any of Lender’s rights under this Agreement, and you will remain obligated to pay any
further amount owed to Lender. All written communications concerning disputed amounts, including
any check or other payment instrument that indicates that the payment constitutes "payment in full" of
the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a
disputed amount must be mailed or delivered to: Lead Bank, 1801 Main Street, Kansas City, MO
64108.

PREPAYMENT. You may prepay this Loan in whole or in part at any time without penalty. If you
prepay in part, you must still make each later payment according to the Payment Schedule above until
this Loan is paid in full. Any amounts you prepay will not continue to accrue interest. If you prepay,
you will not be entitled to a refund of the administrative fee.

LATE CHARGE. If a payment is 15 days or more late, you will be charged a late fee of 5.0% of the
payment amount, but the late charge will not exceed $50.

INTEREST AFTER DEFAULT. If you do not make each payment in full on its Payment Due Date as
agreed, Lender may continue to charge interest on past due amounts at the interest rate set forth
above.

COLLATERAL. The Loan is secured by a security interest in your Certificate of Deposit at Lead Bank as
further described in an Assignment of Collateral having the same date as this Note. You grant us a
security interest in the Certificate of Deposit. You agree that you will have no right to withdraw funds
from the Certificate of Deposit until this Loan has been repaid in full, but in any event only in
accordance with the terms of the Certificate of Deposit.
DEFAULT. You will be in default under this Agreement if any of the following happens:
Payment Default. You fail to make any payment when due under this Agreement.
Significant Impairment. Lender's prospect of payment, performance or ability to realize upon
the collateral is significantly impaired.

LENDER'S RIGHTS. Upon default and subject to any right to cure you may have under applicable law,
Lender may declare the entire unpaid principal balance under this Agreement and all accrued unpaid
interest immediately due.

DEFAULT LIQUIDATION OF COLLATERAL. If the Loan is in default, and subject to any right to cure
you
may have under applicable law, any collateral you have pledged/assigned to secure the Loan may be
liquidated by the Lender and the proceeds of such liquidation will be used to repay any amounts owing
to the Lender.

ATTORNEYS’ FEES; EXPENSES. Lender may hire or pay someone else to help collect this Note if you
do not pay. You agree to pay Lender attorneys' fees assessed by a court and any court costs, in
addition to all other sums provided by law, subject to any limitations under applicable law.

FOR NEW HAMPSHIRE RESIDENTS ONLY. If you prevail in an action, then Lender will pay your
attorneys’ fees assessed by a court. If you successfully defend against an action by Lender a court may
award you reasonable attorneys’ fees. If you are successful in mounting a partial defense,
counterclaim, recoupment or setoff, a court may withhold all or a portion of Lender’s attorney fees.

RETURNED PAYMENT FEE. You agree to pay to Lender, in addition to all other amounts due and
owing under this Agreement, a returned payment fee of $15.00 for each payment that is dishonored.

GOVERNING LAW. This Agreement is governed by the laws of the State of Missouri, except that the
Waiver of Jury Trial and Arbitration Agreement is governed by the Federal
Arbitration Act ("FAA"), 9 U.S.C. §§ 1-9. If any provision of this Agreement is held unenforceable,
including any provision of the Waiver of Jury Trial and Arbitration Agreement, the remainder of this
Agreement will remain in full force and effect.

COUNTERPARTS. This document may be executed in any number of counterparts, each of which will
be deemed to be an original, as against any party whose signature appears thereon, and all of which
together constitute one and the same instrument. This document will become binding when one or
more counterparts hereof, individually, or taken together, bears the signature of all the parties
reflected hereon as the signatories.

SUCCESSOR INTERESTS. The terms of this Agreement are binding upon you, and upon your heirs,
personal representatives, successors and assigns, and inure to the benefit of Lender and its successors
and assigns.

NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING

AGENCIES. You may notify Lender if Lender reports any inaccurate information about your account(s)
to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be
sent to Lender at the following address: Lead Bank, 1801 Main Street, Kansas City, MO 64108.

WAIVER OF JURY TRIAL AND ARBITRATION AGREEMENT ("Arbitration Provision")

This Arbitration Provision does not apply if, on the date you apply for the Loan or on the date we seek
to invoke this Arbitration Provision, you are a member of the Armed Forces or a dependent of such a
member covered by the federal Military Lending Act, 10 USC § 987 and its implementing regulations,
32 CFR § 232.1, et sec. If you would like more information about whether you are covered by the
Military Lending Act, please contact us at 1-877-883-0999.

IT IS IMPORTANT THAT YOU READ THIS ARBITRATION

PROVISION CAREFULLY. IT PROVIDES THAT YOU MAY BE REQUIRED TO SETTLE A CLAIM OR DISPUTE
THROUGH ARBITRATION, EVEN IF YOU PREFER TO LITIGATE SUCH CLAIMS IN COURT. YOU ARE
WAIVING RIGHTS YOU MAY HAVE TO LITIGATE THE CLAIMS IN A COURT OR BEFORE A JURY. YOU ARE
WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT, CLASS ACTION ARBITRATION,
OR OTHER REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIMS.

Agreement to Arbitrate. In the event of a dispute, claim, or controversy between you and us arising
out of or relating to this Loan, this Agreement, the Certificate of Deposit that secures this Loan, any
assignment of collateral, or the relationships resulting from this Loan or any other dispute between
you or us (“Claim”), either you or we may choose to resolve the Claim by binding arbitration, as
described below, instead of in court. Any Claim (except for a claim challenging the validity or
enforceability of this Arbitration Provision, including the Class Action Waiver) may be resolved by
binding arbitration if either side requests it. THIS MEANS IF EITHER YOU OR WE CHOOSE
ARBITRATION, NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO
HAVE A JURY TRIAL. DISCOVERY AND APPEAL RIGHTS ALSO ARE LIMITED IN ARBITRATION.

Even if all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect
to any Claim made by a new party or any new Claims later asserted in that lawsuit.

The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to
the extent necessary to provide relief warranted by that party’s individual claim. If a court decides that
applicable law precludes enforcement of any of this Arbitration Provision’s limitations as to a particular
claim for relief, then after all appeals from that decision have been exhausted, that claim (and only
that claim) must be severed from the arbitration and may be brought in court.

Your Right to Go To Small Claims Court. We will not choose to arbitrate any individual claim you bring
in small claims court or your state’s equivalent court. However, if such a claim is transferred, removed
or appealed to a different court, we may then choose to arbitrate.

Governing Law and Rules. This Arbitration Provision is governed by the Federal Arbitration Act (FAA).
Arbitration must proceed only with the American Arbitration Association (AAA) or JAMS. The rules for
the arbitration will be those in this Arbitration Provision and the procedures of the chosen arbitration
organization, but the rules in this Arbitration Provision will be followed if there is disagreement
between this Arbitration Provision and the organization’s procedures. If the organization’s procedures
change after the claim is filed, the procedures in effect when the claim was filed will apply. For a copy
of each organization’s procedures, to file a claim or for other information, please contact:

● AAA at 1101 Laurel Oak Rd., Voorhees, NJ 08043, www.adr.org

(phone 1-877-495-4185) or
● JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www. jamsadr.com (phone
1-800-352-5267).

If both AAA and JAMS are completely unavailable, and if you and we cannot agree on a substitute,
then either you or we may request that a court with jurisdiction appoint a substitute.

Fees and Costs. If you wish to begin arbitration against us but you cannot afford to pay the
organization’s or arbitrator’s costs, we will advance those costs if you ask us in writing. Any request
like this should be sent to Lead Bank c/o Self Financial, 515 Congress Ave, Suite 2200, Austin, TX
78701. If you lose the arbitration, the arbitrator will decide whether you must reimburse us for money
we advanced for you for the arbitration. If you win the arbitration, we will not ask for reimbursement
of money we advanced. Additionally, if you win the arbitration, the arbitrator may decide that you are
entitled to be reimbursed your reasonable attorneys’ fees and costs (if actually paid by you).

Hearings and Decisions. Arbitration hearings will take place in the federal judicial district where you
live. A single arbitrator will be appointed.

The arbitrator must:

● Follow all applicable substantive law, except when contradicted by the FAA;
● Follow applicable statutes of limitations;
● Honor valid claims of privilege;
● Issue a written decision including the reasons for the award.

The arbitrator’s decision will be final and binding except for any review allowed by the FAA. However, if
more than $100,000 was genuinely in dispute, then either you or we may choose to appeal to a new
panel of three arbitrators. The appellate panel is completely free to accept or reject the entire original
award or any part of it. The appeal must be filed with the arbitration organization not later than 30
days after the original award issues. The appealing party pays all appellate costs unless the appellate
panel determines otherwise as part of its award.

Claim Notice and Special Payment. If you have a Claim, before initiating an arbitration proceeding, you
may give us written notice of the Claim (“Claim Notice”) at least 30 days before initiating the
arbitration proceeding. The Claim Notice must include your name, address, and account number and
explain in reasonable detail the nature of the Claim and any supporting facts. Any Claim Notice shall be
sent to us at Lead Bank c/o Self Financial, 515 Congress Ave, Suite 2200, Austin, TX 78701 (or such
other address as we shall subsequently provide to you). If, and only if, (1) you submit a Claim Notice
in accordance with this agreement on your own behalf (and not on behalf of any other party); and (2)
an arbitrator, after finding in your favor in any respect on the merits of your claim, issues you an
award that (excluding any arbitration fees or attorneys’ fees and costs awarded by the arbitrator) is
greater than the value of Bank's last written settlement offer made before an arbitrator was selected,
then you will be entitled to the amount of the award or $7,500, whichever is greater. If you are entitled
to the $5,000, you will receive in addition any arbitration fees or attorneys’ fees and costs awarded by
the arbitrator.

Any arbitration award may be enforced (such as through a judgment) in any court with jurisdiction.

Other Beneficiaries of this Provision. In addition to you and us, the rights and duties described in this
Arbitration Provision apply to: our Affiliates and our and their officers, directors and employees; any of
our service providers who provide services with respect to your Loan; any third party co-defendant of a
claim subject to this Arbitration Provision.

Survival of this Provision. This Arbitration Provision shall survive:

● repayment of your Loan or any part of it;
● any legal proceedings to collect money you owe;
● any bankruptcy by you; and
● any sale by us of your Loan.

You Have the Right to Reject Arbitration for this Loan. You may reject this Arbitration Provision but
only if we receive from you a written notice of rejection within 30 days of the date of the Note. You
must send the notice of rejection to: Lead Bank c/o Self Financial, 515 Congress Ave, Suite 2200,
Austin, TX 78701, ATTN: Compliance. Your rejection notice must include your name, address, phone
number, Loan number and personal signature. No one else may sign the rejection notice for you. Your
rejection notice also must not be sent with any other correspondence. Rejection of arbitration will not
affect your other rights or responsibilities under this Agreement. If you reject arbitration, neither you
nor we will be subject to the Arbitration Provision for this Loan. Rejection of arbitration for this Loan
will not constitute rejection of any prior or future arbitration agreement between you and us.

GENERAL PROVISIONS. If any part of this Agreement cannot be enforced, this fact will not affect the
rest of the Agreement. Lender may delay or forgo enforcing any of its rights or remedies under this
Agreement without losing them. You and any other person who signs, guarantees or endorses this
Note, to the extent allowed by law, waive presentment, demand for payment, and notice of dishonor.
However, you may be entitled to notice of default and may have the right to cure as provided by law.
Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party
who signs this Note, whether as maker, guarantor, accommodation maker or endorser, will be released
from liability. All such parties agree that Lender may renew or extend (repeatedly and for any length of
time) this Loan or release any party or guarantor or collateral; or impair, fail to realize upon or perfect
Lender’s security interest in the collateral. All such parties also agree that Lender may modify this Loan
without the consent or notice to anyone other than the party with whom the modification is made. The
obligations under this Agreement are joint and several. This means that the words “You”, and “your”
mean each and all of the persons signing below.

NO ORAL AGREEMENTS: This written loan agreement represents the final agreement between the
parties and may not be contradicted by evidence of prior, contemporaneous, or subsequent oral
agreements of the parties. There are no unwritten oral agreements between the parties.

NOTICE TO CONSUMER: 1. Do not sign this Agreement before you read it. 2. You are entitled to a
copy of this Agreement. 3. You may prepay the unpaid balance at any time without penalty and may
be entitled to receive a refund of unearned charges in accordance with law.

Borrower:

X Jimmie White 11/02/2020

Jimmie White Date
 Lead Bank
1801 Main Street
Kansas City, MO 64108

JW SINGLE-PARTY ACCOUNT WITHOUT “P.O.D.” (PAYABLE ON DEATH)

DESIGNATION: The party to the account owns the account. On the death of the party,
ownership of the account passes as a part of the party’s estate under the party’s
will or by intestacy.

SINGLE-PARTY ACCOUNT WITH “P.O.D.” (PAYABLE ON DEATH)

DESIGNATION: The party to the account owns the account. On the death of the party,
ownership of the account passes to the P.O.D. beneficiaries of the account. The account
is not a part of the party’s estate.

Enter the name or names of the P.O.D. beneficiaries and their addresses:

Name Addresses:

I acknowledge that I have read each paragraph of this Notice and affirm that I selected
the account type next to which my initials are found.

Jimmie White 11/02/2020

Signature Date
 Lead Bank
(816) 220-8600
www.lead.bank

Account Owner Name & Address

Jimmie White
3501 PLAZA DR
CHALMETTE, LA 70043

Account Open Date Account Number Ownership Type Initial Deposit Term

11/02/2020 ******7940 Individual $724.00 24 Months

The types of accounts provided by Missouri law have been disclosed on the separate
Single-Party or Multiple-Party Account Selection Form Notice (Selection Form Notice), on
which the undersigned have initialed to designate the ownership type selected. The
undersigned acknowledge(s) receipt of a copy of the completed Selection Form Notice.
Other

Backup Withholding Certifications

(If not a "U.S. Person", certify foreign status separately)
By signing signature field (1) on this document, I certify under penalties of perjury that the
statements made in this sections are true and that I am a U.S. citizen or others U.S. person
(as defined in the instructions).
Taxpayer I.D. Number (TIN) - XXX-XX-5714
The Taxpayer Identification Number (TIN) shown is my correct taxpayer identification number.
Backup Withholding. I am not subject to backup withholding either because I have not
been notified that I am subject to backup withholding as a result of failure to report all
interest or dividends, or the Internal Revenue Service has notified me that I am no longer
subject to backup withholding.
Exempt Recipients. I am an exempt recipient under the Internal Revenue Service
Regulations. Exempt payee code (if any)
FATCA Code. The FATCA code entered on this form (if any) indicating that I am exempt
from FATCA reporting is correct. FATCA code (if any)

Signature(s). The undersigned certifies the accuracy of the information he/she has provided
and acknowledges receipt of a completed copy of this form. The undersigned authorizes the
financial institution to verify credit and employment history and/or have a credit reporting
agency prepare a credit report on the undersigned, as individuals. The undersigned also
acknowledge the receipt t of a copy and agree to the terms of the following agreement(s) and/
or disclosure(s):

The Internal Revenue Service does not require your consent to any provision of this document
other than the certifications required to avoid backup withholding.

Terms & Conditions

Truth In Savings
Privacy
Fee Schedule
Certificate Receipt

Jimmie White 11/02/2020

Customer Signature & Date
 Lead Bank
(816) 220-8600
www.lead.bank

Certificate of Deposit

Account Owner Name & Address

Jimmie White
3501 PLAZA DR
CHALMETTE, LA 70043

Account Open Date Account Number Tax ID Number Amount of Deposit Term

11/02/2020 ******7940 XXX-XX-5714 $724.00 24 Months

Not Negotiable - Not Transferable.

This account is subject to all the terms and conditions stated in the Certificate of Deposit
Disclosures, as they may be amended from time to time, and incorporates the Certificate of
Deposit Disclosures by reference into this agreement.

The certificate will mature on 11/02/2022.

The term of this certificate of deposit is 24 months.
The interest rate on this certificate is 0.10% with and annual percentage yield of 0.10%.
The rate of this certificate is fixed. The interest will be added to principal.

Institution Representative

Lead Bank-Operations 11/02/2020

By: Date
 Lead Bank
1801 Main Street
Kansas City, MO 64108

FURNISHING NEGATIVE INFORMATION NOTICE

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.
 Lead Bank
1801 Main Street
Kansas City, MO 64108

ASSIGNMENT OF COLLATERAL

FOR VALUABLE CONSIDERATION , the receipt and sufficiency of which is hereby

acknowledged, the undersigned hereby assigns and transfers to Lead Bank (the
“Assignee”) the deposit account held by the undersigned with Lead Bank at which
deposit account is maintained bearing account number ******7940 (the “Deposit
Account”) as a general and continuing collateral security for payment all existing and
future indebtedness and liability of the undersigned to the Assignee wheresoever and
howsoever incurred and any ultimate unpaid balance thereof, and as a first and prior
claim upon the Deposit Account. The undersigned further agrees as follows:

The Assignee may collect, realize, sell or otherwise deal with the Deposit Account or any
part thereof in such manner, upon such terms and conditions and at such time or times
as may seem to it advisable and without notice to the undersigned (except as otherwise
required by any applicable law), and may charge on its own behalf and pay to others
reasonable sums for expenses incurred and for services rendered (expressly including
legal advice and services) in or in connection with collecting, realizing, selling or
obtaining payment of the Deposit Account and may add the amount of such sums to the
indebtedness of the undersigned.

The Assignee shall not be liable or accountable for any failure to collect, realize, sell or
obtain payment of the Deposit Account or any part thereof and shall not be bound to
institute proceedings for the purpose of collecting, realizing or obtaining payment of the
same or for the purpose of preserving any rights of the Assignment, the undersigned or
any other person, firm or corporation in respect of the same.

The Assignee may grant extensions of time and other indulgences, take and give up
securities, accept compositions, grant releases and discharges and otherwise deal with
the undersigned, debtors of the undersigned, sureties and others and with the Deposit
Account and other securities as the Assignee may see fit without prejudice to the
liability of the undersigned or the Assignee’s right to hold and realize this security.

All moneys collected or received by the undersigned in respect of the Deposit Account
shall be received as trustee for the Assignee and shall be forthwith paid to the Assignee.

All moneys collected or received by the Assignee in respect of the Deposit Account may
be applied on account of such parts of the indebtedness and liability of the undersigned
as to the Assignee seems best or in the discretion of the Assignee may be released to
the undersigned, all without prejudice to the Assignee’s claims upon the undersigned.

The undersigned shall from time to time forthwith on request furnish to the Assignee in
writing all information requested relating to the Deposit Account and the Assignee shall
be entitled from time to time to inspect the aforesaid securities, bills, notes, books,
papers and other documents or take temporary custody thereof.

The undersigned shall from time to time forthwith on the Assignee’s request do, make
and execute all such financing statements, further assignments, documents, acts,
matters and things as may be required by the Assignee of or with respect to the Deposit
Account or any part thereof or as may be required to give effect to these presents,
including, but not limited to obtaining waivers and subordinations of interests in the
Deposit Account from any persons having a prior claim or interest thereto. The
undersigned hereby constitutes and appoints the Assignee the true and lawful attorney
of the undersigned irrevocable with full power or substitution to do, make and execute
all such statements, assignments, documents, acts, matters or things with the right to
use the name of the undersigned whenever and wherever it may be deemed necessary
or expedient.

The provisions hereof shall enure to the benefit of the successors and assigns of the
Assignee and shall be binding upon the respective heirs, executors, administrators,
successors, and assigns of the undersigned.

DATE: 11/02/2020

X Jimmie White
Jimmie White
 Correction Agreement

DATE OF LOAN: 11/02/2020

MAXIMUM PRINCIPAL AMOUNT OF LOAN: $724.00

BORROWER: Jimmie White

ACCOUNT HOLDER: Lead Bank

In consideration of a credit builder account from Lead Bank, we agree that Lead Bank may
correct clerical errors and/or execute any documentation reasonably necessary to accurately
reflect the true and correct terms of the account. We understand that this may mean
correction of the existing note and assignment of collateral or execution of a new note,
assignment of collateral or other documents. We agree that, upon the written request of Lead
Bank (or persons acting on Lead Bank's behalf), we will comply with Lead Bank's
reasonable request to supply additional documentation.

We agree that this Correction Agreement constitutes an additional covenant under the account
documents. If we do not correct, execute and deliver any and all additional documents within
ten calendar days of such request, Lead Bank may in its sole and absolute discretion deem our
failure to timely cooperate as a default under the account documents and Lead Bank may then
proceed to enforce its rights under the account documents, which enforcement may include
acceleration of the maturities of all remaining payments under the note and, if such sums are
not promptly paid, foreclosure of Lead Bank's liens in collateral securing repayment of the loan.

Jimmie White 11/02/2020

Customer Signature Date
 Lead Bank
1801 Main Street
Kansas City, MO 64108
www.lead.bank

SERVICING NOTICE

Dear Credit Builder Account Customer:

Effective immediately, please note that Self manages the servicing for Credit Builder
Accounts for Lead Bank. This includes: account maintenance, account history, account
inquiries, and payment processing and collection.

You can contact Self with any questions about your account by logging on securely at
www.self.inc or by calling Customer Service at (877) 883-0999.

For any questions regarding this notice, please contact Lead Bank at (816) 220-8600.

Thank you.
loan_documents
Final Audit Report 2021-04-21

Created: 2021-04-21

By: Myteasha Williams (kingjimmie91@icloud.com)

Status: Approved

Transaction ID: CBJCHBCAABAACuBsbgs1t_pnQt3XHMAoNYHwEDhJH8sP

"loan_documents" History
Web Form created by Myteasha Williams (kingjimmie91@icloud.com)
2021-04-21 - 3:36:25 AM GMT

Web Form filled in by Jimmie white (kingjimmie91@icloud.com)

2021-04-21 - 3:37:57 AM GMT- IP address: 172.58.101.97

Document emailed to Jimmie white (kingjimmie91@icloud.com) for approval

2021-04-21 - 3:37:59 AM GMT

Email viewed by Jimmie white (kingjimmie91@icloud.com)

2021-04-21 - 3:38:08 AM GMT- IP address: 172.58.101.97

Approval verified by Jimmie white (kingjimmie91@icloud.com)

2021-04-21 - 3:38:12 AM GMT- IP address: 172.58.101.97

Document emailed to Myteasha Williams (kingjimmie91@icloud.com) for filling

2021-04-21 - 3:38:12 AM GMT

Form filled by Myteasha Williams (kingjimmie91@icloud.com)

Form filling Date: 2021-04-21 - 3:39:05 AM GMT - Time Source: server- IP address: 172.58.101.97

Agreement completed.
2021-04-21 - 3:39:05 AM GMT