CONSUMER LEASE-PURCHASE AGREEMENT-TX

Agreement Number: UOWN220565 Account: 157587 Date: August 18, 2021

LESSOR: LESSEE:
Uown OSCAR LAVALLE
10500 University Center Dr. Suite 140
Tampa, FL 33612 902 SAN JUAN ST
Phone: (877) 357-5474 SAN JUAN, TX 78589
E-Mail: customercare@uownleasing.com Telephone: (956) 478-5224

In this Agreement, “we,” “us,” and “our” refer to Mollie, LLC, dba Uown, as Lessor. “You” and “your” refer to the person(s)
signing this Agreement as the Lessee/Lease Customer. “Agreement” refers to this Lease-Purchase Agreement. “Property” refers
to the lease property described below.

1. Description of the Property:

Model# Description Serial# Condition Cash Price
LAO81821-01 MATTRESS AND LIVING ROOM 216069 NEW $ 1,500.00 *

* Includes a $0.00 delivery fee.

2. Initial Lease Payment: Your initial Lease payment is due on 08/20/2021 and includes the following charges:
Initial Lease Payment $118.39
Application Fee $40.00
Liability Damage Waiver Fee (Optional)(See Item 6, below) $ N/A
Tax $9.77
Total $168.16

3. Lease Term and Payments: Your initial term is two weeks. It begins on the date the property is delivered to you and
expires two weeks after delivery. After that, you have three options: (1) you can continue using the Property by making a
lease renewal payment in advance; (2) you can purchase the Property (see items 4 and 4a below); or (3) you can return the
Property to us with no further obligation, except for any past due payments due. Your Regular lease rate is $118.39 plus
tax. There are no refunds.

4. 90 Day Same As Cash Option: During the first 90 days of this Agreement, you can buy the Property by paying the
Cash Price, above, less all rental payments you have made on time (not including any taxes or fees), plus tax. Any late
payments will void this option. This option expires on 11/16/2021. You have other purchase options described below.

4a. Lease-Purchase Ownership. You do not own the property. However, if you choose, you may purchase the property at any
time. If you are current, you may elect your early purchase option (EPO) at any time. Your EPO price is the total amount of
remaining lease payments for ownership (not including any taxes or fees) less a 30% discount, plus tax. The purchase price does
not include other charges such as late fees, which are explained below. You do not obtain any ownership rights until you have
paid for the Property in full. If you make 28 bi-weekly period payments of $118.39 (plus tax) in a row, you will have paid
a total of $3,628.52 (including tax) (including the application fee), “Total Cost,” and you will own the Property. Taxes are
subject to changes in the applicable tax rate.

5. Loss of or Damage to the Property. You are fully responsible for loss of or damage to the Property from all causes.
You agree to pay us the fair market value of the Property due to its loss or destruction from all causes, including, but not
limited to, theft, vandalism, malicious mischief, Act of God, or mysterious disappearance. If the Property is damaged, you
must pay us immediately for all repairs, not to exceed fair market value. We do not carry insurance on this Property, and
you are responsible for its safety until it is returned to us. You can cover some of your liability for loss or damage by
choosing the optional LDW, below.

6. Other Charges:
(a) Application Fee: This is a fee for verifying your application and approving your account.
(b) Bank- or Card-Declined Charge: If your payment is denied for any reason, you must pay us a $25.00 charge to
cover our costs in processing your payment in addition to your lease payment.

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 (c) Late Fee: If you do not make a lease payment within 7 days of the renewal date if you pay monthly or within 3 days
if you pay more frequently than monthly, you must pay us the littlest of 10% of the missed payment or $10.00 but at least
$5.00 plus your lease payment to continue using the Property.
(d) In-Home Collection Fee: $10.00 If we send someone to your house to pick up a payment, you must pay us this fee
for that service.
(e) ACH Account changes: $5.00. You must pay this fee if you change bank accounts or payment information on
your ACH account with us.
(f). Delivery Fee: This is the fee for delivering the Property to your residence.
(g). LDW Fee (Optional): If you choose this option by signing below and paying the fee, and you are not in default of
this Agreement, you will not be liable for loss of or damage to the Property from all causes. However, you will still be
liable for loss or damage caused by unexplained disappearance, abandonment of the Property, or any other damage
intentionally caused by you and that results from your willful or wanton misconduct. The LDW is void if payments are
past due. The LDW fee each period is 10% of your periodic rental payment. The total LDW fee you will pay under this
Agreement if you obtain ownership is $ N/A.

Notice: This contract offers an optional loss damage waiver for an additional charge to cover your
responsibility for loss of or damage to the merchandise. You do not have to purchase this coverage.
Before deciding whether or not to purchase this loss damage waiver, you may consider whether your
homeowners’ or casualty insurance policy affords you coverage for loss of or damage to rental
merchandise and the amount of the deductible you would pay under your policy.

N/A Accept N/A Decline

All of these “Other Charges” are reasonably related to the services performed.

7. Reinstatement. If you fail to make a timely lease renewal payment, this Agreement expires. You can reinstate it without
losing any rights or options previously acquired by making all payments due or returning the Property within 16 days if you pay
monthly or within 8 days after the renewal date if you pay more frequently than monthly. If you return the Property during this
time, then you will have 30 days from the date of return to reinstate by making all payments due. If you reinstate, we will furnish
you with the same Property or property of comparable quality and condition.

8. Maintenance, Repairs, and Warranty: We will maintain the Property in good working condition during the lease term. We
will not be responsible for the costs or the results of any repairs or damage caused by improper use. You must notify us
immediately if the Property breaks. If any part of a manufacturer’s warranty covers the Property at the time you acquire
ownership, the warranty will be transferred to you, if allowed by the terms of the warranty. To the extent permitted by law, we do
not provide any Warranty of Merchantability or Fitness for a Particular Purpose, either Express or Implied, on the Property. You
are leasing the Property, “as is” and “with all faults.”

9. Early Termination and Default.

(a) You may terminate this Agreement at any time by returning the Property to us or by making arrangements with us for its
return. We may terminate this Agreement if you fail to keep any of your agreements. We may notify you of termination in
writing, or by e-mail, or by telling you. You agree to pay us the fair market value of the Property if you fail to return it to us when
this agreement terminates or make prompt arrangement with us for its return. You remain liable for lease payments until the
Property is returned to us. When making arrangements to return our Property, you must send us a picture or pictures of the
Property via email to MR@Uownonline.com or other means. This will help verify the condition of the Property prior to pick-up
and insure that we recover the correct leased Property.
Once you have contacted us requesting the return of our property, one of our recovery team members will make arrangements to
do so. You must reply to the recovery team member within 5 business days to schedule a date and time for recovery. If you do
not, your lease payments will continue until pickup agreements are made and agreed to.

(b) Return of Property upon Termination. If this Agreement is terminated for any reason, you agree to provide for the
immediate return of this property to us in good condition.

10. Reimbursement of Costs. If you do not keep this Agreement, in addition to other charges you may owe us, you understand
that you will have to pay us for all reasonable costs we incur in getting our Property back. These costs may include attorney’s fees
and court costs if they are incurred and permitted by state law.

11. Location of Property and Inspection. You agree to keep this Property at the address shown above. If you remove this
Property without our written permission, we have the right to terminate this Agreement immediately.

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12. Assignment. You have no right to sell, transfer, assign, pawn, pledge, sub-lease or encumber the Property or this Agreement
in any way. We may sell, transfer, or assign this Agreement.

13. Damage to Other Property. You understand that we will not be responsible for any loss or damage to any property arising
out of your use of the Property.

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 ACH Payment Information
Name of Institution: Type of Account: PC-Personal Checking
Bank Routing Number: 111000025 Bank Account #: *******5198

X OL . You agree to allow us to debit one payment of $168.16 or the selected Initial Payment below,
which includes your Application and Delivery fee where applicable, from your checking
Initial account or credit card on or after 08/20/2021.
X OL . You also agree to allow us to debit additional payments of $128.16 or the selected Remaining
Payments each from your checking account or credit card on the same day of each bi-weekly
Initial period until this Lease Purchase Agreement has been paid out or terminated.

Uown Traditional 13 Month Lease Purchase Plan*

*with a same as cash option
Early Buyout Option Available Off Unpaid Balance
Initial Number of Payment Amount Payment Total Cost
payments Frequency
56 $64.08 * Weekly $ 3,628.52 **
OL 28 $128.16 * Bi-Weekly $ 3,628.52 **
26 $138.02 * Semi-Monthly $ 3,628.52 **
N/A 13 $276.04 * Monthly $ 3,628.52 **
* These amounts include sales tax. Changes in the tax rate during the agreement may change these amounts.
** Total Cost includes sales tax, application fee and delivery fee.

EARLY PURCHASE OPTIONS

This Agreement has a 13-month term for ownership. However, you can buy the Property sooner if you choose:

1. Same As Cash Option. Purchase the Property by 11/16/2021 and pay only $1,623.75, including tax.
•You must call us at (877) 357-5474 to exercise this option.
•Price for this option is the Cash Price plus delivery fee if not previously added to Cash Price less all
payments made (not including any taxes or fees), plus tax.
•Late or missed payments or payment extensions will void this option.
•No exceptions due to delivery schedule.
•Only available on the Uown Traditional Lease Purchase Plan.

2. Early Buyout Option. Beginning 11/17/2021, you can buy the Property at any time by paying the EPO
price. Please refer to the Lease Purchase Ownership section in the lease. You must call us at (877) 357-5474
to get the Early Buyout amount.

X OL .
Initial

14. ACH Payments.: You authorize the electronic debit or debits to your account as outlined. You understand and agree that
the electronic debit will continue until the total amount due plus any return fees are collected or until you revoke this
authorization. This authorization is also applicable to any new account information, payment amounts, or payment dates you
provide in the future. You also authorize us to initiate debit entries against any account from which you may make future
payments, whether or not such account is from the financial institution listed above. The total amount due will remain the same
except in cases where the sales tax rate changes.
CHANGE OF INFORMATION: You agree to notify us verbally at (877) 357-5474, by fax at (877) 353-8706 or in writing at
the above address fifteen (15) or more days prior to any change to the account or closing of the account shown above or any
change or situation that may affect debiting the payment. You further agree to pay and authorize a $5.00 debit if you change bank
account or payment information.

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RETURNS: You authorize the state authorized fee or returned item fee in the amount of $25.00 to be debited from your account
if a debit is returned unless the returned item was the result of an error by the processor. You authorize returned transactions to be
resubmitted up to 3 (three) times without further notice to you.
X OL CANCELLATION: Upon payment in full, you understand that you may cancel the electronic debit authorization
by providing written notice to us at the address above fifteen (15) or more days prior to the last payment due date.

15. Arbitration. You and we agree that any claim or dispute arising from or in any way related to the Agreement must be
resolved by binding arbitration instead of a lawsuit. This agreement to arbitrate will be governed by the federal Arbitration Act, 9
U.S.C. Sections 1-16 and the substantive law of your state.

Arbitration is a process for resolving disputes outside of the court system. An independent third-party arbitrator will take
evidence from both parties and then rule on the issue(s). The arbitrator has the ability to award all remedies available by statute,
at law or in equity. The arbitrator’s decision will be final and binding on both parties.
You and we agree to use one of the two national arbitration organizations and their rules for conducting arbitrations. You can
contact those organizations and get copies of their rules here:

American Arbitration Association JAMS, the Resolution Experts

335 Madison Avenue, Floor 10 1920 Main Street, Suite 300
New York, NY 10017-4605 Irvine, CA 92614
www.adr.org www.jamsadr.com
(800)-778-7879 (800)-352-5267 or (949)-224-1810

If a dispute arises, you or we can file a claim with either organization. If you file a claim against us, we will pay the initial filing
fee. Each party must pay its own attorneys’ fees and other costs of the arbitration. However, the arbitrator can award reasonable
attorneys’ fees and costs to the party who wins the arbitration.

If we file a claim against you and select an organization that is unacceptable to you, you have the right to choose the other
organization if you notify us of your decision within 30 days after you receive notice of our arbitration choice.

You and we agree that any arbitration will be conducted in the county where you live.

Nothing in this arbitration agreement is intended to prevent either of us from filing a lawsuit in an appropriate small claims court
for an amount that does not exceed the court’s jurisdictional limits. All other disputes must be arbitrated.

This arbitration agreement will survive termination of the Agreement and will continue to be in effect to resolve any disputes that
arise between you and us.

BY AGREEING TO ARBITRATE DISPUTES, YOU ARE WAIVING YOUR RIGHT TO A TRIAL BY JURY. YOU
ARE WAIVING YOUR RIGHT TO HAVE A COURT RESOLVE YOUR DISPUTE. YOU ARE WAIVING YOUR
RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT. YOU ARE WAIVING YOUR RIGHT TO CERTAIN
DISCOVERY RULES THAT APPLY IN A LAWSUIT. YOU AND WE AGREE THAT THE ARBITRATOR HAS NO
AUTHORITY TO CONDUCT CLASS-WIDE ARBITRATION AND CAN ONLY DECIDE THE DISPUTE BETWEEN
YOU AND US. IF ANY PART OF THE ARBITRATION AGREEMENT IS RULED TO BE INVALID, THEN THE
UNDERLYING DISPUTE MUST BE RESOLVED BY A JUDGE, SITTING WITHOUT A JURY, IN A COURT OF
COMPETENT JURISDICTION, AND NOT AS A CLASS ACTION LAWSUIT.

Your Right to Opt Out: If you decide that you do not want to arbitrate any dispute(s) with us, you must notify us in writing at our
address in the Agreement no later than 10 days after the date you sign the Agreement. Your decision to opt out of this arbitration
agreement will not affect your Agreement with us.

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16. Miscellaneous Provisions. You understand that time is of the essence in this Agreement. You understand that no changes
may be made to this Agreement except by us in writing.

Lessor: Mollie, LLC dba Uown Lessee:

By: ______________________________ By: Oscar Lavalle

Signature Signature
D. Klein OSCAR LAVALLE
Leasing Representative

Store Representative: Co-Lessee:

By: Oscar Ortiz By:

Signature Signature
Oscar Ortiz

Today’s Date: Aug 18, 2021 Date: Aug 18, 2021

If you would like to speak to a Spanish representative regarding this contract, please contact us at (877) 357-5474.
Si usted desea hablar con un representante Español sobre este contrato, por favor contáctenos al (877) 357-5474.

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