(bank . Fre Sor Save Gund (25) ‘Aurora Havana Office 941 South Havana Stteet Aurora, CO 80012 303 344-1644 716/16 Customer Name} Mr. ZERIHNE T MAMO Address: 1532 EMPORIA ST APT 7-203 AURORA, CO 80010-2176 Re: Request on loan information Mr. ZERIHNE T MAMO has borrowed $25,000.00 on 6/01/2016 with an interest of 7.47% APR. Mr. ZERIHNE T MAMO monthly payment is $607.09. This loan has to be paid back wit 48 month, If you have additional questions regarding this information, please feel free to contact me at the phone number and email address listed below. Betty AK 303-344-1644 Personal Banker Betelhem.kassaye@usbank.com U.S. Bank 1 South Havana ne ‘CO 80012Borrowers) Tender Toa ZERIINE? namo ie Cail aes Number 614705644 _} AURORA HAVANA Date __ogvo1g016_—_ ‘941 SOUTH HAVANA STREET Maturiy Date 96/15/2020 | JgszEwPonta sr 7.205, ‘AURORA, CO 80012 Loan Amourt $ 25,050.00 AYFisant Sich Bomar ve joint and severly. | You" means he Lande, ts successors and assigns, | Rerewal OF Note ~ For value recived, I promise to pay to you, or your onder, at your aes above, the pina sum of, ___ $25,050.00 Dollars § 25,050.00 : ls interest rom (06/01/2016 atthe rate of 7.470 %per year uni) maturity ‘Additional Finance Charge - | also agre to py a powrefundable fee of | 50,00) ‘anit will be [pad in eas, (2) wide om the proceed. (I this fee is withheld frm the proceeds, the amount sine in the principal sn.) (Variable Rate» The (annua) interest rate above may change 5038 tobe ‘Timing and Frequency offoterest Rate Changes ~The seca firs change on and can change as often ax ter Lifetime Rate Change Li The rat cannot ever exceed % The rate cannot ever be less than Payment Changes A change in the interes rae wil hange: CJ "The amount of ech schaduled payment. Cl The amount doe st matry 1 Post Maturity Interest Interest will accrue after maturity on the unpaid akmce ofthis not on the same basi s intrest aecrues before marily ‘Terms If checked, terms provided refect an adjustment the lowest annual percentage rae availabe for this lan product. This adjustment reflects higher rate of interest or Finance charge due to inom contained in a consumer ere report. You obtained this report fom, and T may obtain a fee ‘copy oft by contacting: Payments - I wil ay this note a follows: (2) Cl Interest payments will be dae Principal payments willbe due (6) {2 This mote has 48| __ payrnens. The fist payment will be in the amount of $807.09 and wil be he —7ins2016 | A payment of $ 607.09 __witl be due on the 15th day ofeach month thereafter. The fing] payment ofthe entre unpaid balance of principal and increst wil be due 06/15/2020 The Purpose OF This Loan Is Other Lame Charge age py ate charge if any seeded payment (or prt there) is made more han fe ap aris be a 1 Prepayment Penalty = If! prepay this loan in whole, wil pay you a prepayment penalty equal to {1%of the orginal Ioan amount wih 2 minimum of S$0 and a maximum of S100 iflosed within the frst year WZ. Returned Payment Charge -1 agre to paya fee of 25.00 foreach check, negotiable order of withdrawal, dra or eleoronie payment! arrange in connection wit his loan thats returned besause ithas been dishonored, Inthe ste of IOWA -THIS IS A CONSUMER CREDIT TRANSACTION Security - (If neither ofthe next two options ae checked, this loan isnot specifically seeured except: |, trough cross collatersizaton from other loans, sew 2. security interest in all deposit sccounts with U.S, Bank, NA) Separate Security This loan is secured by separate + dated 1D Security Agreement “I give you a security inerest inthe Property desrbed below. The rights Iam giving you in this Property and the tigations this agreement scours ae defined on pag 3 ofthis arocment. This propery willbe usb for Consumer purposes. 1904 207 Water Rowe ena Saves Fo USANDASUNOX 12018 ome 105 osteo VERT MOSCOIS —_FamuseNOKSNOK 0016 TRS ERO SRR | cn EenLoan number 514705544 ANNUAL PERCENTAGE RATE: ‘The cost of my credit fsa yearly ate FINANCE CHARGE, The dolar ames he ret will ost me. 7.5710%]5 4140.32 5 25,000.00 AMOUNT FINANCED “The amount of erect ‘provided io me oF on my Beha "TOTAL OF PAYMENTS ‘The amoune Iwill have paid when 1 have made sl schedded payments $ 29,140.32 Ty Payment Schedule WIT Be “Aonount of Paynes $607.09 ‘Number of Payments 48 ‘When Payments Are Dow Monthly Begining 07/15/2016 TD Variable Rate This note contains Yarable rate feature, Diselesures about the variable rate feature have been provided to me eater. The anal percentage rate may increase during the term of this tansaction if ‘rate increase wil ake the form of be rate increases by. ‘fen han The interest ate wil nx po above ~ 1am giving secary interest in the Goods or Property being purchased, % 1 Collateral securing ober loans with you may also secure his oan. Late Charge-1 agree to pay 3 $28.00 Prepaymen may Ol wile TF pay off tis owe exy, T Filing Fes $ ‘Non Filing Insurance § ean sce my” conic documcn Tor any aditonal information repayment flint ind pert Property Ins nonpayment ei ‘he will nerease 1, “The inferest rate may not ierease more and may pat nsrease more than Seach 1 Geserpson of eter property) my deposit ccoums fe other right tothe payment of money fm U.S. Bank, N.A. e charge if any scheduled payment (r par thereof) is made more than__ five days afer its be equa to Tave to pay a penal. Cl Assumption - Someone buying the propery securing this loan cant asume this oa on ts original ers. Cl Required Deposit- The anual prcetage rate des not ak ink account my required deposit fault, ard any required repayment before the schedule dat, and rance- Property insures is equi. | may obtain property insurance from anyone I wat thal is acceptable to you. ADDITIONAL TERMS OF THE NOTE DDEFIYTIONS-°1" “ine or “my means exch Borower wh signs his not nd Cache pron egal ety (easng purrs eose nd Stes) who fares to pay this hve (ont fred fo a3 "s") "You" of "yur means the iran i sucesab a sins [APPLICABLE LAW You area Rion tank lrated i Ohio. Te interes {cs and related chares at You ap cae fr I loan re pana the la of these of Ohio, eres of whee thi oa is made or where Ii As foro ius the law fy sate a idee and he aw of the sake where ty open ected wil apy ‘Th fc that ay pat ofthis nae cao be enforce wil ot let the resto tis tte. Any clang this tora) apeement ecring this ot un ben wee {nd signed by you and me ‘THIS FORM Thi form is design ob ed formany typesof transactions. peeaph racine tabetha "CP tt hse ds ay PAYMENTS Each pent I make on his loan wil be apis (ote ext of the payment) allows (1 arg meres. (2) pric 3) eserves ans i ay (charges aber than tne or real say, and (3) excess pineal ksi PREPAYMENT -1 may pre th ou in whole rin pa at ny tine 1 pee ‘npr ast lake ech ater yen he rights econo Unt iste pos nl BALLOON PAYMENTS «Is theses of ao, Colorado, ad Wooming der eraincieumsaecs 8 tne Dy law ne sates T'may be oe To ‘sacs aloo eyes a allen payment ares i'you ae ged ier DSS sate law to fefinanoe that payment, and if federal law does ot preempt state Taw, then you wl teat a balloon. INTEREST - Incest actus on te pina raising unpaid fom inet time, ‘nl ad fal If Varle Rat" i chacked on fag | sl py rest te fas In efet fom time time I payment not suet py te acerued intrest as ofa scheduled payment die he accrued and unpukd inkrest Wil be ide rep and selene Decreases nt intrest mie fr ths note wil ve the opposite ffs om payments that rereaes would have. The inet rats) and eter charges on this oan wil ‘ever cxcad the highest tee lage lowe by law fr hi Tou. Changes fn he inde between sched changes the interest ate wil ot ae themes a Take inex specified on page | crass to exist {agree hat you may subsite a Siang othe ge (CURE RIGHTS In some circumstances (and sone sts in which hs note wa) yourighs an remedies are subject aut ogee aight cua def and 9 8 atce of at right before You can exucbe some of your remade. The sates ‘elude (and may not be limied to) Colorado, Lowa, Kansas, Misoun, Nebraska, South Carling and West Virgina. You wil rode sah gh nd ote of 683 ‘hts before exerting you remedies, a provid bylaw DEFAULT willbe tndefalton thslowrand any apeement sessing thisoani [Thilo make a payment in al when de oF 2 You prospector payment, peromance, oral to alge upon he pope i sigieanty pied. ‘any of us i lt o youre gaint nye aru (reg 2018) vein? VER NOSCOM ——_FamLSENDASINOX 0015 US. Bank Customer ConfidentialREMEDIES Subst to fe CURE RIGHTS scion soso in dt his Ian seen Swing a, ou ay exe Sr Meh wie andr apemet si nem ae elon 1" You mn accords duo rung nip tte om pe ‘come nt cages ming te ety toe cela iouae 2, Yous razon any apr) seis his tson 5: You my decd ‘nove moc] ryt ohigaed m pay is in or Dott roo sng ey fey 4 You mes ie foo a oes benef or mf th my be mane 1d dou cnt mt oem yu dont ah igh a eenmtae dal tke ake Costs OF COLLECTION tape: wpa he cos you ar ott hs {rei ona ei necro east inthe eve oy ar nf gel © mye of eis, He Coa il de yur ese bomen rey © nk Your ‘aid enlye& triny fcme Teflon iter nd nc il ded on er we hve cal in Arimm Cara igo, Kenly Maryland Michigan Mint, Misi Mota, Nada: Rew Mes Orton eon Hho ‘nnd Su Dak Tener, ab. Veron, igh and aching thc con lie reframe ran stay hm you slaclengloe in Arta es css wl ese our esrb tes es (an stormy et yur sled employs) vt ocd 18 ate abn sf Demian coc ie in ¢nlordn sine, Nor {aria ad South Caron Hs cos il ince your enone ates se (an story so or are rio) min sxe 80 hey et or coetn at eet ir raware hs ot wil cle rsonae army fe ae ef and tela to sv som rt Sor rez ala omc, ea cnt ‘nave dpa raln cf sn or clton Cnn fos and fps eer in Fields fe sot ud your rome ata fos often pret (iow) afte pl on dno is ner sah neat yb mound ie ih Georgia thse cn cae sty ef 15 pret of he pep snl ces tence Tome jdong crap may ora der Gor aw ny per th oe dt Ign oy sh crengion yen irks Het cons wil ide your resol storys fee (ran ore io mt ular empiyes). Tho prensen fr ate ee ere ay os fan eu camara a april et a Stomooares Idan, thse cost wl lee you reson ats ee oe an tore th ot Yo sl empayec) di ay eaten ef ‘sean ree met ens mest an apace inion, era, Norte Dat, Ove ond Wat Ving te cos wil retin tony, inka il nse our revo tame es clon agony le tp 18 oh pn amour de rh pyle arr note You rented io thecalectonostore fes or aston agen ea terbah Ths pve i apate any colon nud 6 sontne ‘thr eas lee of ure Is Lacon, fas anh yr rome trey es mt xed ashore arto aretraoan try clecon in Mamachanr nue yur tesomble ate y fo, eae woe sry nwa sleet 5.08, in Moor red Sake, Hse on wl ce your eciewomeys fon (orn sry who wot fou std emloys) ff ema a sot Scoftranou dr andpnstlewrt no ih’ New Hampi, hs las Sour resoble stam fe ft sient soc yr fe or sco omen or nul 0a ‘ie young te Cor rye te ou of tern st yo ny Tcoer amt i pv a cn ote sn omy oe {noun amy wont tom fe Tr Okie the oe wil cla your eon atorm' fe (ran sor ho jou sang empye) ht encod 1% of ened ser dette ts pvp fortress deco apy cen Street nora fovlsd inl Sanacs 148 TERE | ERRORS AND OMISSIONS - In consraon ofthis sgrecment, agree filly ‘cooperate wit you (including any closing aget acting on your bl) correct ‘just any evors or omssions in this closing documentation. 1 age hat You sal ‘ktermin whether ay sich ers or omisoons ext an the extent 10 ch they aed wo be corrected il amp with ty of our rues a son ae reasonably raccsbl, btn any eveat within 30 day of sich requests. fT do nt compy with ty ofyourequess within 30 days [undesund ard aie ta wl be espe or ‘ny eons and damages Inewned by you du othe err or onsen, which shall includ (thot tation acu expenss eal os, es, nd peas OBLIGATIONS INDEPENDENT = This puagraph pis i reste mule pes (Tor example, a maker anda guarantor or cake) who are chigated sy ths lean, We undertand tht the obligation of each of us w pay tis fou is independ of te obigaon of he eis pay ths loan You ms. whoa notte, release or give ap any right you may have, exend new ce, Fnew Of ‘hang ths obiaton aso any fw, tou fet the obion of any ees (ot is anu i fal. Yeu ray flo perfect your scurty ines, np, reae any scary ad 1 {9 wl stil eo gated to pays oan. WAIVER «waive (te eit permite bylaw) demand, presentment, pest tov ofdihonorand note ofroie. FINANCIAL STATEMENTS ~ I will give you any ancl sates or information tht you felis necessary” AI nae saements and ivomation {Eve villbe caret nd complete, PURCHASE MONEY LOAN - Ili ina Prchaxe Money Lom. you may ile thenime ofthese onthe check or dai forts tan, NAME AND LOCATION - My rane and aatessindested on page| army exact lepal namo and my pricial residence wil provid you what last 30 day noc porto changing my ame opine resence SKIP PAYMENTS = From Une fo une, you may offer me the cance 1 sip 8 payment on tis loan IFT choose to accept this aff, Tapes 1 pay 8 fee ap 1 5500, a teem ofthis om wl be extended enero, ADDITIONAL TERMS OF THE SECURITY AGREEMENT SECURED OBLIGATIONS - This scary agreement secures his oa (nclading si etensons, renewals, eiacings ae modes) and any her deb | hve idk you now or lar. oper cescrbediWus secur agreement wl 91 secure ter sash debts Hf the Property's my inc dneling Also, this, scuiy ‘pram ill ot secure ther desi ti sey eres owed good Sid he ote deb sa eonumer loan Thi ecu arcement wl las ut ‘scared in wetng For'the sole purpose of deteminng the extent of a purchase money scuy interes arising under his ecu agree: (@) Payments on any nonparhase mone loan also secured by tis agreement wl ‘ot be deemed to apply tothe Purchase Money Loan; and (6) Payments on the Purchase Money Loan wil be deemed to apply fist t the ‘onpurcase money portion of the loa, i any, and then tthe purchase money ‘igtions inthe order in which he tens were ae, No security intrest will be termined by application of this formula “rarchase Money Loa” mews sty lean of which the paced, whoo np aye sed to acquire any roperty securing the lan anal extensions, renewal ‘nzliations nd refinancing of uch lan, PROPERTY - The word "Proper" as sel ere tts al prope) tasted in the seeutity agreement on page Io If-a general escrpon is Wed, he word Propet)" inclas all ty proper) iting the genera description Property aso rca ll Reefs tht aise om We desebed Peper (nel all proceeds, Insurance beofis,pyrens fom oth, inte, dvens, stock splits and voting "ihe also means propery tha now o Ie tached ea pat of or esis ffom the Proper. and all sipping blignions "Proceeds" neues anything segured on the sl, lease, eens exchange. or other penton of the Proper fry rhs” and dains ating out of he" Popery and ay. collections and ‘ination on acount ofthe Property OWNERSHIP AND DUTIES TOWARD PROPERTY - Unies a co-owners) of the Proper sighed a hid party agreement, I represent ht How al te Prop ‘wil defend the Property against any eter lai. Tago to do whatever you oq ‘erfect your intrest and hep Your piri 1 wil ot do anything 1o ar Your ston T wl tase he Proper’ for purpose tht wil late an ato Subject the Prop forte scr Twill keep the Pope in my possesion (excep if pledged and divers 0 you) Til epi in Eood rept and use only fre tended purposes. wil ep tat ny adres unless we gre otherwise i waitin ages mice? VER1 NOSCOS —_FemUSNDASROXCaROTS US. Bank Customer Confidential{wl oot ty to sel or tans the Propet, or pemit the ope to become auachol 1 any eee, eihouk your writen consent {wil py al taxes td {hag onthe Popes they Doce Iwill form you of ay Toss o uae to the Property "You have the gh of sonable access inorder fo inspat the Popeny TT'the Property is s motor febicle, represen tht i is not vehicle Seized prot ay fel ss orc er (1 sl ome you, T wl pay the difference Tw Duy the {tcurence from a firm authortzed Ye do busines the uppropriae state The is te you, Fl Rep the insurance Secured by this aprement are pa COLLATERAL PROTECTION INSURANCE ~ Unles 1 provide you with evidence ofthe insarance coverage required by my agreement with yu, You may ue Sour aerests in ty ecm interes The coverage Timake or amy ela thal ade FILING “Tauthorze you toile facing statement covering the Property. agree ‘0 comply wi and tate your quests connection with easing possession ‘focal oer the Property il hie scinty agreement i termined. A copy of {hsscanty agreement may be wed aa fnaning statement when allowed by le DEFAULT AND REMEDIES -IFTam in default in addton tthe reeds ed inthe oie prion of this docu and subject any of he Timtaons ithe CURE parapmph, you may (ter giving note and wating © ped of time, i requied by low) (@) Pay eso ote charges. or pgchase any requted insane, do hese ‘things (bt yu are ot required 1 do so) You rays the amount you pay 0 this eat an acre nrest ch that amour at theirs ats) i eft om ie ‘ime on tis oe ul paid a fal (0) fepite me to eather the Prope and any relied records and make ava ‘eyouinareuonbiefahon, (6) Take immediate possession ofthe Proper, tut in doing so you may nt teach the peace er unlally rer ono Puy penis. You may sel ese ee dose of the Property as provided by In (fhe Property includes «manufactured home, you ‘ni bein te Tepesesion by ping me ote abd an epprtanty t0 cue Seta s required by Taw) You hy apply what you receive fom the sale ofthe Proper to yur expenses and then to he deb I what you recive from the ale oF the Property i estan what Lone you, ou may take me fo coo resver the siterces (othe exent permite y la) and (a) Keepite Proper tos the de Tragis tat wen you ne gente ome your intended sal or ispostion of the Property the nace reasonable i sent ome amy fas known ares iy fe ctas mal 10 day before te intended sale or poston apse norm Youn wring ofan chang my uses ASSUMPTIONS = This secunty agreement and any lan i scares canot be ‘sumed by someone buyin the Property fom me. Tha vil bet unless you agree In wring fo the coma, Wilout chm egret ity to trae any terest nthe Proper wl be mdf qall obligations tia ae seared By seca syoenet Deficiency Notice: This node applies f the collateral involves a] ‘motor vehicle that is consumer goods. NOTICE: THE MOTOR YEHICLE IN THIS TRANSACTION] MAY BE SUBJECT TO. REPOSSESSION, IF IT I REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL| AMOUNTS DUE TO THE SECURED PARTY ARE NoT| RECEIVED IN THAT SALE, | MAY HAVE TO PAY THE| DIFFERENCE TFGSeRERC P| “This notice applies to Missouri customers specifically and is generally Inve forall customers: ORAL AGREEMENTS: Oral agreements or commitments to loan money, extend creditor to forbear from enforcing repayment of a ‘debt including. promises to extend or renew such debt are not enforceable. To protect you (borruwer()) and us (creditor) fom] misunderstnding or disappointment, any agreements we reach ‘covering such matters are contained in this writing, which i the| ‘complete and exclusive statement of the agreement between us, ‘except as we may later agree in writing to modify it ‘THIRD PARTY AGREEMENT For the purposes ofthe povisions within this enclosure“: "me" or "my ‘means the person signing below and "you" means the Lender identiid on page 1 agro to give you a seerty interest inthe Property that is deseribed on page |. [agree to the terms ofthis noe and security’ agseemcrt but {am in no way personally liable for payment ofthe det. This means tht if the Borrower defalls, my inert in the Property may be used to sats the Borrower's deb. agree that you may, without reessing me or the Property from this Third Paty Agreement and without ratice or demand upon me, extend new credit io any Borower, renew or change this note ‘or security agreement one or more times and for any term, offal to perfect your sccurity interest in, impair, or release any security (ineluding | Barats) forthe obligations of any Borrower. | HAVE RECEIVED A COMPLETED COPY OF THIS NOTE AND SECURITY AGREEMENT. Date Date Date ARIZONA: Motor Vehicle as Collateral: The following information ‘anplies if this security agreement, or another tha secures this nat hues @ mowr vehicle as that term may be defined by Arona a: Wis usw to fal to rtum 8 motor vehicle subject oa security interest within thity days after receiving notice of default. Any noice of default you send me will be mailed to my address given on page 1. I is my sponsibility to ell you my new addres if itchanges.(Unleflfare torrtm a motor vice tbect o @seounty snes isa else 6 felony, Which fora fst offense cates 4 maximum jail sentence of 1S years ‘The maximum jail sentence may be greater if he defendant has a pio «siminal record The court may impose a fine of no more than $150,000.) rastARBITRATION 1 agree that if 2 dispute of any kind arises out af this agreement, either you or T can ehoase t have that dispute resolved by binding arbitration. If arbitration is chosen by any party, neither you aor I will ave the right to litigate that clam in court o t have a jury te fn that ela, oF (0 engage in pre-arbitration discovery, except as provided for inthe arbitration rules, Te addition, Twill not have the right (o participate as a representative ar member of any class of elaimants pertzining to any claim subject to arbitration. "The bitrator’s decision will generally be final and binding, Other rights at T would have if went to court may also not be available arbitration. It is important that Tread this entire arbitration provision carefully before aeeepting the terms ofthis agreement Any claim, dispute or contryversy (whether in contract, regulatory tort, or otherwise, whether preexisting, present or future and] including constitutional, statutory, common law, intentional tort and ‘equitable claims) arising from oF relating to (a) the eredit or services] offered or provided to me, (b) the actions of you, me or third partes or () the validity of this arbitration provision (individually and collectively, 2 "Claim") must, after an election by you or me, bel resolved by binding arbitration in accordance with this arbitratiog provision and the Commertial Arbitration Rules of the American Arbitration Assoelation ("AAA") in effect when the Claim is fed (or, in the event this arbitrator oF these arbitration rules are no longer available, then a comparable substitute arbitration procedure andior arbitration organization that does business on nationwide basis). There shall be no authority for any Claims to be arbiteated tn m classaction bass. Arbitration ean omly decide my or your Claim and may not consolidate or jpin the claims of other persons who may have similar claims. I may obain rules and forms by calling the AAA| ‘a 800-778-7879. Any arbitration hearing that I attend will take place In the federal judicial district where I reside. At my request, you wi audvance the frst $250 of the filing nnd hearing fees for any Claim ray fle against you: the arbitrator will decide whether ToF you wil ultimately pay those fees. ‘The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of recognized at hw. Judgment ‘upon the award rendered by the arbitrator may bel ‘entered in any court having jurisdiction. This arbitration provision shall survive repayment ofthe extension of eredit and termination o ‘my account, This arbitration provision shall be governed by the] Federal Arbitration Act, 9 U.S.C. §§ 1, ef seg. If any term ofthis arbitration provision is fuled invalid or unenforceable, the] ration provision shall be rendered null an void i its entirety. ‘This note is a "transferable record" as defined in applicable law relating to electronic transactions. Therefore, the holder of this note may, on behalf| of the maker of this note, create a microfilm or optical disk or other electronic image of this note that is an authoritative copy as defined in such law. The holder of this note may store the authoritative copy of such note in its electronic form and then destroy the paper original as part of the holder's normal business practices. The holder, on its own behalf, may control and transfer such authoritative eopy as permitted by] sueh law. AUTOMAT 1 2 bo WITHDRAWAL: 1 DONOT — wane Auomatie Withdrawal. By signing below I authorize you to automatically withdraw my reguat ‘iment rom my ansaetion aeeount listed belo on each payment date Account Type: 2 Checking [1 Savings ‘Account Number:103580197565 Bank Routing Number: 102000027 ZERIANET WAN ir Date [ACH AND US, BANK PACKAGE CANCELLATION FEE: 1 understand that reseed a prefered rate for having. a USS. Bank| Package with either US. Bank checking account or Automatic Payments on this loa, or both. If terminate the Automatic Payments o the U.S. Bank Package, either in whole or in par, I agree 10 pay. U.S, Bank a cancelation fo of $ £0.00 understand ‘tha auomatc payments stop, and must be re-coniaeted for, i, fee ‘example, I lose my account (without seranging fee agomstie payment from anther account), there is ineuficient fund in the account, oF sop -iyment onan alone payment Dice | eam 80) US. Bank Customer ConfidentialLoan number: 514705544 NOTICE TO COSIGNER You (the cosigner) are being asked to guaranty this debt. ‘Think carefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure you ean afford to pay If you have to, and that you want to accep this responsibil You may have to pay up to the fall amount of the debt if the borrower does not pay, You also may have t pay late fees or callection cst, Which inrease this amount The eredtor can collet this debt from you first trying to collec from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnshing your wages, etc I this debt is ever in default, {that fet may become part of your eredit record. ‘This notice isnot the contragt that makes you liable forthe debt. Garnishment is nota remedy available in Pennsylvania and Texas. SIGNATURES - 1 agree to the tenns set out on pages | thru 6 of this agreement. have received a copy ofthis document on td's dt Coxigners- se notice above belbre signing. Tne wotices nts box you" masts Boome Notice to Consumer: 1. Do not sign this Agreement before you read it 2. You are entitled to a copy of this Paper. 3. You may prepay the paid balance at any time. IFyou prepay this loan you MAYO WILLNOT have wo pay a penalty. CAUTION - IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT a ZERIINET MANO Date Date Date Wise ece ert | loam ser6)