ACH

Authorization

I authorize Cross River Bank and its servicer, assignees, and designees, including Upgrade, Inc. (collectively,
"You") to initiate electronic debits and credits from the bank account I designated ("Designated Account") for
payments I owe under the personal credit line agreement that I executed in favor of Cross River Bank ("PCL
Agreement"). I am an authorized signer to the Designated Account and I am not required to obtain the
agreement or consent of any other person who owns or has a claim to funds in the Designated Account to make
this authorization (or I have obtained all required agreements and consents from other persons who own or have
a claim to funds in the Designated Account), and I acknowledge that electronic debits and/or credits will be
processed through the ACH system and must comply with applicable law.

The amount debited from the Designated Account will be (i) the total monthly payment due for all outstanding
draws under my personal credit line plus any applicable fees including late payment fees or returned payment
fees, as listed on my personal credit line monthly statement (“Monthly Statement”) or (ii) the amount of any
prepayment I may schedule, as applicable. I also authorize You to initiate an additional credit or debit to the
Account if necessary to correct any error that has previously occurred.

I agree that the Designated Account at the depository bank must have enough available collected funds to
cover the scheduled debit on the business day before the scheduled payment date, and on the scheduled
payment date. My monthly payments will be in the amounts listed on my Monthly Statement, and I understand
that my final payment may vary from that amount. The first monthly payment will be due fifty-one (51)
calendar days after the date funds are first sent to me pursuant to my personal credit line (“PCL”). All other
monthly payments will be due on the same day of each following month. If my due date is the 29th, 30th, or
31st and the current month is shorter, my payment will be on the last day of the month. If the payment due
date is not a business day, my payment will be collected on the next business day.

If the Designated Account does not have enough available collected funds to cover the scheduled debit, You
may continue to attempt to collect funds from my Designated Account until there are sufficient funds available.
If any payment is returned, I authorize You to make a one-time electronic fund transfer from the Designated
Account to collect a fee of $10. I understand that in addition to the fees that You may charge, my depository
bank may charge an overdraft or other fees.

I understand that this ACH Authorization ("Authorization") does not relieve me of the obligation to make timely

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payments under the PCL Agreement. I further acknowledge that this Authorization is fully transferable and
assignable by You to any entity, its servicer, or assigns that hold any promissory note executed in connection
with my PCL. I acknowledge and agree that this authorization will remain in full force and effect until and unless
I provide You with written notification that this authorization is terminated (and such termination will be
recognized when my depository bank and You have a reasonable opportunity to act upon such written
notification), or I contact you as described below.

I can cancel this Authorization by contacting (855) 997-3100 and this cancellation will be effective three (3)
business days after receipt. I may also cancel this Authorization by giving the depository bank notice of
termination or by stopping payment of any scheduled debit at least three (3) business days before the
scheduled date of the next debit. If I cancel this Authorization, I must still make my required PCL payments by
each payment due date. Failure to make payments on time may result in late fees being assessed. Returned
payments of any kind are also subject to the imposition of a fee as stated in the PCL Agreement. I may obtain
additional information about the depository bank's preauthorized ACH debit stop payment requirements from
the depository bank.

In addition, I understand that if I terminate this Authorization or stop payment of any scheduled debit(s), I will
still be required to make the monthly payments due under the PCL Agreement. I understand that providing this
Authorization is not a condition of the PCL or any draw on the PCL, and I have chosen this method of payment
for the convenience of having my monthly payments made automatically from my bank account.

I AM AGREEING TO AUTOMATIC PAYMENTS. I HAVE READ THE ABOVE TERMS AND CONDITIONS AND AGREE TO
THEM. I AGREE AND UNDERSTAND THAT I AM AUTHORIZING YOU TO DEBIT AND CREDIT THE DESIGNATED
ACCOUNT, AND I ALSO AGREE THAT I HAVE RECEIVED A COPY OF THIS AUTHORIZATION FOR MY RECORDS.

Kate Ladson

I AGREE
Original Document hash: BC6Z1jjcDZ1dqtcfOdS5/7pgsqBaMxU3enYB15BEoAU=

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