Agreement 9961F4FDE286

SIGN-BY-CODE: 077679
THIS IS YOUR HANGTAG

TOTAL OF PAYMENTS
$2501.08
You must pay this amount to own the merchandise/property if you make all the regular payments. You can buy the merchandise/property for
less under the early purchase option.
COST OF RENTAL CASH PRICE
$1862.59 $638.49
Amount over cash price you will pay if you make all regular payments. Merchandise/property available at this price for cash from the Lessor.
See about your early purchase option rights.
AMOUNT OF EACH PAYMENT NUMBER OF PAYMENTS
$48.10 Weekly 52
with a Final Payment of $47.98
RENTAL PERIOD
52 Weeks
The Initial Term of the Lease is one week.
The Rental Period is the duration of the Lease if all regularly scheduled payments are made.
The rental property described in Exhibit A is being acquired by the Lessor on the Date of this Lease and is new unless otherwise indicated in Exhibit A.
* If you have any installation/service charges associated with leased automobile merchandise (e.g., wheels, tires, etc.), your Cost of Rental for the
installation/service only will be $0.00 and your Cash Price for the installation/service only will be the same as the Cash Price charged by the merchant.
FLEXSHOPPER, LLC
RENTAL-PURCHASE AGREEMENT/LEASE-PURCHASE AGREEMENT/LEASE
Lease Number: 9961F4FDE286 Lease Date: 11/01/2023
Lessor: Lessee(s):
FlexShopper, LLC William Gleason
901 Yamato Road, Suite 260 5551 Donald Dr
Boca Raton, FL 33431 Southaven, MS 38671
855-353-9289
help@FlexShopper.com
https://flexshopper.com
In this Rental-Purchase Agreement/Lease-Purchase Agreement/Lease, which includes all attached exhibits ("Lease," "Contract" or "Agreement"), "you"
and "your" mean the person(s) signing this Lease as Lessee, and "we," "our," and "us" mean the Lessor identified above and its successors and assigns.
NOTICE TO CONSUMER/LESSEE - READ BEFORE SIGNING
(1) DO NOT SIGN THIS BEFORE YOU READ THE ENTIRE LEASE INCLUDING ANY WRITING ON THE FOLLOWING PAGES, EVEN IF
OTHERWISE ADVISED. (2) DO NOT SIGN THIS LEASE IF IT CONTAINS ANY BLANK SPACES. (3) YOU ARE ENTITLED TO AN EXACT COPY OF
ANY AGREEMENT YOU SIGN. KEEP IT TO PROTECT YOUR LEGAL RIGHTS. (4) YOU HAVE THE RIGHT TO EXERCISE ANY EARLY PURCHASE
(BUY-OUT) OPTION AS PROVIDED IN THIS AGREEMENT. EXERCISE OF THIS OPTION MAY RESULT IN A REDUCTION OF YOUR TOTAL COST
TO ACQUIRE OWNERSHIP UNDER THIS AGREEMENT.
ARBITRATION AGREEMENT: THIS LEASE CONTAINS AN ARBITRATION AGREEMENT, ATTACHED AS EXHIBIT B, WHICH APPLIES TO
DISPUTES RELATING TO THIS LEASE AND OTHER SPECIFIED MATTERS. THE ARBITRATION AGREEMENT HAS A SUBSTANTIAL EFFECT ON
YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO BRING OR PARTICIPATE IN A
CLASS PROCEEDING. YOU CAN FIND A COPY OF THE ARBITRATION AGREEMENT IN YOUR CUSTOMER PORTAL ON OUR WEBSITE. YOU
HAVE A RIGHT TO OPT OUT OF THE ARBITRATION AGREEMENT BY FOLLOWING THE INSTRUCTIONS THEREIN. PLEASE NOTE THAT YOUR
APPLICATION FOR THIS LEASE CONTAINS A SEPARATE ARBITRATION AGREEMENT WITH A RIGHT TO REJECT ARBITRATION. THAT
ARBITRATION AGREEMENT APPLIES ONLY TO YOUR APPLICATION. REJECTING THE ARBITRATION AGREEMENT IN YOUR APPLICATION
WILL NOT CONSTITUTE A REJECTION OF THIS ARBITRATION AGREEMENT, NOR WILL REJECTING THIS ARBITRATION AGREEMENT
CONSTITUTE A REJECTION OF THE ARBITRATION AGREEMENT IN YOUR APPLICATION. THE ARBITRATION AGREEMENT SURVIVES
TERMINATION OF THIS LEASE.
SIGNING THIS LEASE; COPY OF LEASE: BY CHECKING THE BOX THAT STATES, "COMPLETE YOUR LEASE AND ORDER," YOU WILL BE
SIGNING THIS LEASE. THIS MEANS: (1) YOU AGREE TO ALL OF THE LEASE TERMS, INCLUDING THE "CORE LEASE TERMS" BELOW, THE
PAYMENT AUTHORIZATION (SECTION 11) AND THE ARBITRATION AGREEMENT; (2) YOU REAFFIRM YOUR AGREEMENT TO COMMUNICATE
ELECTRONICALLY PER OUR ESIGN DISCLOSURE, RESPECTIVELY; AND (3) YOU ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS
LEASE (INCLUDING THE ARBITRATION AGREEMENT). FOR YOUR CONVENIENCE AND RECORDS, A COPY OF THIS LEASE WILL BE EMAILED
TO YOU UPON SIGNING AND WILL ALSO BE AVAILABLE TO YOU WITHIN YOUR CUSTOMER PORTAL ON OUR WEBSITE.
CORE LEASE TERMS
TOTAL OF PAYMENTS
$2501.08
You must pay this amount to own the merchandise/property if you make all the regular payments. You can buy the merchandise/property for
less under the early purchase option.
COST OF RENTAL CASH PRICE
$1862.59 $638.49
Amount over cash price you will pay if you make all regular payments. Merchandise/property available at this price for cash from the Lessor.
See about your early purchase option rights.
AMOUNT OF EACH PAYMENT NUMBER OF PAYMENTS
$48.10 Weekly 52
with a Final Payment of $47.98
RENTAL PERIOD
52 Weeks
The Initial Term of the Lease is one week.
The Rental Period is the duration of the Lease if all regularly scheduled payments are made.
I AGREE /s/ William Gleason [electronically signed on November 1, 2023 at 12:54:13 UTC. IP Address: 107.144.133.106]
WE HAVE AGREED TO THE TERMS OF THIS LEASE BY AFFIXING A SPECIMEN SIGNATURE OF OUR DULY AUTHORIZED OFFICER.
______________________________
Authorized Officer, FlexShopper, LLC
ADDITIONAL TERMS
1. Rental Property: You are renting Apple 10th Gen 10.9-Inch iPad (Latest Model) with Wi-Fi - 64GB - Pink With Rose Gold Case Bundle (New)
described in more detail on the attached Exhibit A ("Property" or "Merchandise"), which was acquired the date you executed this Lease. As
stated in the Core Lease Terms table above and Exhibit A, the total Cash Price for the Property is $638.49. The Cash Price does not include applicable
sales/use taxes. If you are leasing more than one item of Property (each, an "Item"), the Cash Price of each Item is shown in Exhibit A. The Property is
new unless otherwise indicated in Exhibit A. If the Property is not identified as "New," we promise that it will be in in good working order, clean, and
free of any infestation. If you want to purchase the Property or similar property now, you should consider cash or credit terms that may be available to you
from companies that specialize in retail sales.
2. Lease Term, Payments & Other Charges:

a. Lease Term. This Lease is consummated, and its terms shall govern your rental of the Property as of the day you sign it. The initial rental term of this
Lease ("Initial Term") is set forth in the Core Lease Terms table under the caption "Rental Period." Once the Initial Term commences, this is the
minimum period you are obligated under this Lease. If the Initial Term is one week, this Lease will commence on Friday, 11/03/2023. After the Initial
Term, unless and until this Lease ends it will automatically renew at the end of the applicable term for a period equal to the Initial Term.
b. Lease Payments. So long as this Lease remains in force, regular recurring payments ("Lease Payments") are payable in advance on the day the
Initial Term commences and each day this Lease renews in the following amounts:
Recurring Lease Payment (A)* Recurring Sales/Use Tax (B)
$48.10 $3.37
Total Recurring Lease Payment

(with Sales/Use Tax) (A + B)
$51.47
Total Lease Payments (C) Total Sales/Use Tax (D)
$2501.08 $175.08
Lease Payments
(with Sales/Use Tax) (C + D)
$2676.16
* Your final payment is $51.34, which includes your final payment of $47.98 plus $3.36 for sales/use tax.
c. Additional Important Payment Related Information . This Lease will end and you will own the Property when you pay the Total of Lease Payments
shown on the Core Lease Terms table. This amount equals the Number of Payments shown times the Amount of Each Payment shown. It is the total of
payments needed to acquire ownership before taxes. The Total of Lease Payments exceeds the Cash Price of the Property by the Cost of Rental shown
in the Core Lease Terms table. The Total of Lease Payments does not include other charges, such as taxes, late payment fees, default fees,
processing fees, returned check fees, fees for optional services or products, or deposits (collectively, "Other Charges"). You should read this
Lease for an explanation of any Other Charges that may apply. Other Charges must be reasonably related to the cost of the service
performed.
d. Initial Payment. You agree to pay $51.47 as an initial payment due at the time you execute this Lease ("Initial Payment"). The Initial Payment is
comprised of (i) your first Lease Payment, (ii) any non-refundable processing fee ("Processing Fee"), and/or (iii) any refundable security deposit
("Security Deposit"), the purpose of which is to cover the cost of lawful claims for loss of, or damage to, the Property (exclusive of reasonable wear and
tear), together with any applicable sales/use taxes, as follows:
PROCESSING FEE
FIRST LEASE PAYMENT
(non-refundable)
$48.10 $0.00
SECURITY DEPOSIT OPTIONAL LIABILITY

(refundable) DAMAGE WAIVER
$0.00 $0.00
SALES / USE TAX*
7.00%
TOTAL INITIAL PAYMENT

(INCLUDING SALES / USE TAX)
$51.47
* Sales/Use Tax is calculated based on where you currently reside and may change if you move.
e. Late Fees; Returned Check Fees; Other Charges:

i. Late Fee: If any Lease Payment is not made in full within seven (7) days of its due date, or any longer period required by applicable law,
you agree to pay a Late Fee equal to the amount set forth in Exhibit C, based on the state where you reside on the date you sign this Lease.
We will not charge a late fee on the same Lease Payment more than once.
ii. Returned Check Fee: Subject to applicable law, if your EFT (as defined below) is returned for any reason, you agree to pay $40.00 (plus
any applicable sales tax) to us. Any failure to charge any Other Charge, including Late Fees or Returned Check Fees, one or more times
shall not be deemed a waiver of our right to charge these fees in the future. We will not charge any Other Charge that is not set forth in this
Lease.
3. Purchase Rights: You will not own the Property until you pay the entire Total of Lease Payments, plus sales/use tax, including initial
payment or you exercise the early purchase option set forth in this section ("EPO"). To exercise the EPO and purchase any Item after
executing this Agreement and paying the Initial Payment but prior to the end of this Lease, at any time you may pay all past due amounts
under this Lease (including taxes and Late Fees) plus the EPO Price and taxes for the Item you wish to purchase. For all Property, the table
found immediately following this Lease shows the EPO Price (the amount required to exercise your early purchase option after each renewal
payment, assuming you make each periodic payment on time). For the first three (3) months of the Lease term ("Same as Cash Period"), for
any Item, the sum of all required Lease Payments plus the EPO Price will never exceed the Cash Price. Thereafter, the EPO Price will be 65%
of the unpaid Total of Payments for the Item, as set forth on Exhibit A; except that if there are multiple Items, the Cash Price of the first Item as
set forth on Exhibit A is reduced by $50. You may also choose to exercise the EPO as to some but not all Items under this Lease by paying the
EPO Price plus tax for the individual Items you wish to purchase. For more information regarding your EPO options (including per-Item EPO
pricing), contact us at the telephone number or email address listed on the first page of this Lease. If you have paid a Security Deposit, the
Security Deposit at your election may be applied towards your final Lease Payment (or the EPO Price for all the Property). If you acquire
ownership of any Item from us, and there is a manufacturer, distributor or seller warranty on the Item that is transferable to you, we will
transfer the unexpired portion of such warranty to you when you acquire ownership of the Item.
4. Income Interruption: If you suffer an interruption or reduction of 25% or more of your income due to involuntary job loss, involuntary
reduced employment, illness, pregnancy or disability after one-half or more of the Total of Lease Payments has been paid, and you provide us
some evidence of the amount and cause of the interruption or reduction of income, we will reduce the amount of each Lease Payment (before
taxes) by the percentage of the reduction in your income or 50%, whichever is less, for the period your income is interrupted or reduced. If
payments are reduced, the total dollar amount of payments necessary to acquire ownership will not be increased, but the number of
payments necessary to acquire ownership may be increased accordingly. When your income is restored, we may increase the amount of the
Lease Payment, but in no event shall the total payments exceed the originally disclosed Total of Lease Payments (before taxes) as shown
above nor will your Lease Payment exceed the Lease Payment shown in Section 2(b). All other rights and duties contained in this Lease will
not otherwise be affected.
5. Maintenance of the Property: During the term of this Lease, you are responsible for maintaining the Property in its original condition,
ordinary wear and tear excepted. We do not carry insurance for the Property.
6. Property Damaged, Lost, Stolen or Destroyed : If any Item is lost, stolen, damaged or destroyed (other than normal wear and tear), you will
be responsible for the lesser of the following amounts, calculated at the time the Item was lost, stolen, damaged or destroyed: (a) the fair
market value of the Item; (b) the remaining Lease Payments attributable to the Item; (c) the EPO Price of the Item; or (d) the cost of repair of
the Item.
7. Mobile Phones, Laptops, Personal Computers, Electronic Notebooks and Similar Devices ("Devices"): Before returning the Device to us, you
should strip any of your Data from the Device. If you return or we recover the Device, we will endeavor to strip such data, regardless of whether you have
reinstatement rights under this Lease. In no event are we responsible for any data loss from the Device. Security features will be added to any leased
Device but will not geo-locate or track the Device. If you lease a Device, you authorize us to: (a) communicate with any Device and collect the following:
MEID, ESN, IMEL, serial number, phone number, carrier, operating system, and other device and technology characteristics ("Collected Information"); (b)
collect, process and use Collected Information; provided (i) we may be a "data processor" under applicable law, and (ii) except for Collected Information,
we will not access personal information or Device functions such as pictures, videos, camera, microphone, calendar, location, call/device/application
browsing history or SMS; (c) perform anonymized statistical analysis regarding technology use; (d) remotely disable the technology on the Device if you
acquire ownership per the terms of this Lease.
8. Default: We may declare you to be in default under this Lease if you fail to make a payment when due. Subject to applicable law, until you return the
property to us, bring your account current or purchase the goods through the EPO, this Lease will continue to automatically renew. If we declare a
default, we reserve the right to terminate this Lease and require you to return the Property or, subject to applicable law, pay the EPO price plus any past
due payments and Other Charges to us as of the date of termination. Your Security Deposit, if any, will be used to offset those amounts reasonably
necessary to pay for the loss of an Item or the repair of damage, exclusive of reasonable wear and tear, or, subject to applicable law, any
delinquent amounts if we declare a default.
9. Termination: Prior to the time the Property is delivered to you, we reserve the right to end this Lease as to any items of which you have not
taken possession. You may do likewise, without penalty or obligation, prior to your receipt of the Property. At any time, you may end this
Lease, without penalty, at the end of the then-current term of this Lease by voluntarily surrendering or returning all the Property. You may
also end this Lease as to any Item(s) that represent less than all the Property by voluntarily surrendering or returning such Item(s) to us. Any
liability for past due rental payments and for loss or destruction of or damage to the Property, reasonable wear and tear excepted, will survive
termination of this Lease. We also reserve the right to terminate this Lease should you be in default.
10. Reinstatement: If we end this Lease due to a default, you may reinstate this Lease without losing any rights or options previously acquired
and without incurring any charges by paying us all amounts you owe, including Late Fees, within seven (7) days after we request the property
be surrendered if the Lease Term is weekly and otherwise within 16 days after such request. Also, if you return or tender the Property to us
within such period or we permit you to retain the Property during such period, you may reinstate this Lease within one year after the date of
return or surrender. Upon reinstatement, we will return the Property to you, if it is available. If not, we will provide substitute property of
comparable quality, age, condition and warranty coverage, and the same brand, if available, all as required by law. You will not be charged for
any reinstatement.
11. Payment Authorization:

a. Authorization for Charges/EFT for Amounts Due Under Lease . You authorize us to seek the following payments by initiating a charge to any payment
card identified on Exhibit D (or any substitute or replacement payment card of yours) ("Card") and/or by initiating an electronic fund transfer ("EFT") from
any bank account identified on Exhibit D (or any substitute or replacement bank account of yours) ("Bank Account"):
1. your most recent Lease Payment to come due;
2. any past due Lease Payment(s);
3. any unpaid/returned Initial Payment; and
4. any Other Charge that has come due.
In this Authorization, we call each payment described in items (1) through (4), a "Required Payment." You authorize us to initiate charges to the Card
and EFTs to the Bank Account for Required Payments on or after the dates such Required Payments come due. You authorize us to first seek payment
of any Required Payment by a charge to the Card identified on Exhibit D, if any, and if such charge fails, by EFT to the Bank Account.
b. Authorization to Combine or Split Charges/EFTs. If there are multiple Required Payments due, you authorize us to initiate (a) separate charges to the
Card or EFTs to the Bank Account for each such Required Payment; (b) multiple, smaller charges to the Card or EFTs to the Bank Account that, when
combined, would equal or not exceed the sum of your Required Payments; or (c) to initiate a single charge to the Card or EFT to the Bank Account for
the combined total of your Required Payments. However, in no event will we ever (i) initiate multiple EFTs to the Bank Account on the same day; or (ii)
initiate a single charge to the Card or EFT to the Bank Account for an amount in excess of $500 (even if the sum of your Required Payments is greater
than this amount). We will send an email to the email address we have on file for you at least three days before we seek payment for any Required
Payment (other than your most recent Lease Payment to come due) with information about the date, amount and payment type for the payment. For this
reason, please keep this email address, up to date.
c. Authorization for Phone/Email/Text Payments and Error Correction . Instead of or in addition to any Card or Bank Account payment authorized above,
you also authorize us to process any Card or Bank Account payment you subsequently authorize or confirm by phone, text message or email. If we
make an error in processing a Card or Bank Account payment, you authorize us to initiate a credit or debit to the Card or Bank Account to correct the
error.
d. Authorization to Reinitiate Rejected Payments . You agree that we may resubmit up to two times any returned payment or EFT, as permitted by law
and network rules. We are not responsible for any bank fees you incur in connection with returned EFT payments.
e. Your Right to Update, Modify & Terminate. You may terminate your authorization(s) to initiate Card payments and/or EFTs, update Card or Bank
Account information or change your scheduled payment dates with our permission by calling us toll-free at 855-353-9289 or emailing us at
help@FlexShopper.com. We will honor your termination request as soon as we reasonably can and in any event within three (3) business days after
receiving it and will generally honor a modification request within this time period if the new payments coincide with the dates you receive the Item(s)
and do not materially increase the Lease term. If any payment cannot be obtained under this section, you remain responsible for such payment.
f. Bank Account/Card Updates and Balance Checks . We purchase a service that may update your Card information automatically when it changes. If
you do not want to have your Card information automatically updated, you can opt out of updating by contacting your issuing bank. To help us
determine whether a payment under this Payment Authorization will be successful, you authorize us to initiate a non-monetary or similar
entry to the Bank Account/Card and/or to obtain balance information from the financial institution holding the Bank Account/Card (e.g.,
through a data aggregator using your online banking credentials). We are not obligated to initiate any payment under this Payment
Authorization if we receive information suggesting that it will likely fail.
12. Nature of Obligation: This is a rental transaction. You will not own the Property until you pay the Total of Lease Payments (with sales/use taxes) or
you exercise the EPO.
13. Credit Reporting: You authorize us to make inquiries concerning your credit history and standing, including bank account information, and to confirm
any information you provide us. Subject to applicable law, we may report information about your performance under this Lease to credit
bureaus/consumer reporting agencies (and other parties), including without limit, late payments, missed payments, or other defaults or performance
failures. If you believe that any information that we have furnished to a credit bureaus/consumer reporting agency is inaccurate, or if you believe that you
have been the victim of identity theft, send us a notice in accordance with Section 21. In your notice: (a) provide your name, mailing address, phone
number and Lease Number; (b) identify the specific information that is being disputed; (c) explain the basis for the dispute; (d) provide any supporting
documentation you have that shows the basis for the dispute; and (e) if you believe that you have been the victim of identity theft, submit an identity theft
affidavit or police report.
14. Truthfulness of Application: You represent that every statement made in your application is true, complete, and correct and that you are at least 18
years of age, 19 years of age if you live in Alabama or Nebraska, and 21 years of age if you live in Mississippi.
15. Contacting You; Phone & Text Messages : To the extent permitted by applicable law, you authorize us and our agents, assigns and service
providers (collectively, "Messaging Parties") to contact you using automatic telephone dialing systems, artificial or prerecorded voice message systems,
text messaging systems and automated email systems to provide you with information about this Lease, including information about upcoming payment
due dates, missed payments and returned payments. You authorize the Messaging Parties to make such contacts using any telephone numbers
(including wireless, landline and VOIP numbers) or email addresses you supply to the Messaging Parties, including in connection with any application for
a spending limit or this Lease (or another lease with us), the Messaging Parties' servicing and/or collection of amounts you owe under this Lease (or
another lease with us), or any other transaction involving you and the Messaging Parties. You understand that anyone with access to your telephone or
email account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no
liability for anyone accessing such messages. You further understand that, when you receive a telephone call, text message or email, you may incur a
charge from the company that provides you with telecommunications, wireless and/or Internet services, and you agree that the Messaging Parties will
have no liability for such charges except to the extent required by applicable law. You understand that, at any time, you may withdraw your consent to
receive text messages and calls to your cell phone via an automatic telephone dialing system or to receive artificial or prerecorded voice message
system calls by calling the Messaging Parties at our phone number set forth on the first page of this Lease. To stop automated text messages, you can
also simply reply "STOP" to any automated text message the Messaging Parties send you. To stop emails, you can follow the opt-out instructions
included at the bottom of the Messaging Parties' emails.
16. Telephone & Video Recordings: You understand and agree that we may monitor and/or record any of your phone conversations with any of our
representatives, but we are not required to do so. If any representatives of ours visits your home to recover any Property, the visit will be recorded using
a video camera (with microphone) or similar device.
17. Bankruptcy: Any communication with us required or permitted under the Federal Bankruptcy Code must be sent by a notice in accordance with this
Lease and must include your Lease Number. You promise that you are not contemplating bankruptcy and that you have not consulted with an attorney
regarding bankruptcy in the past six months.
18. Arbitration Agreement: The Arbitration Agreement has a substantial effect on your rights in the event of a dispute, including your right to a
jury trial and your right to bring or participate in a class proceeding. By agreeing to this Lease, you agree to arbitrate in accordance with the terms
and conditions in the Arbitration Agreement attached as Exhibit B.
19. Consent to Receipt of Electronic Communications : By agreeing to this Lease, you reaffirm your consent to conduct business with us
electronically. For more information regarding this consent, including your ability to withdraw your consent, please review the Consent here
(https://www.flexshopper.com/page/electronic-communication).
20. Notices: All notices to us under this Lease must be given online at our web site (https://www.flexshopper.com/page/contact-us) or by mail to the
address on the first page of this Lease (or any addresses subsequently provided by notice to you). All notices to you under this Lease must be given, by
mail or email to the address on the first page of this Lease (or any address subsequently provided by notice us). Notices to you are effective when mailed
or delivered. Notices to us are effective upon receipt.
21. Miscellaneous: Accord and Satisfaction : Any statement accompanying a Lease Payment (or any other amount paid under this Lease) to the effect
that your balance is paid in full will not bind us. Our deposit of any such payment will not constitute an accord and satisfaction, and we may apply the
payment to your account. Assignment: We may sell, transfer, or assign this Lease. Any subsequent holder of this Lease shall take this Lease
subject to all claims and defenses that you could assert against us. You may not sell, transfer, or assign this Lease without our written
consent. You may not sell, assign, mortgage, pawn, pledge, encumber, hock, or otherwise dispose of the Property during the term of this
Lease. You may not remove the Property from your current home without our written consent during the term of this Lease.Attorneys' Fees &
Costs: Subject to applicable law, if either party institutes an action to enforce any of the terms of this Lease or otherwise files suit to recover
damages resulting from this Lease, the prevailing party shall be entitled to reasonable attorneys' fees and court costs, including on appeal.
Consumer Report: You understand and agree that we may obtain a consumer report on you about this Lease. Upon your written request, you
will be informed of whether such a report was obtained and, if so, the name and address of the agency that furnished it. Headings: All sections
and headings are used for convenience only and do not affect the construction or interpretation of this Lease. Insurance:You are not required to
purchase insurance for the Property, including insurance from or through us or from any insurer owned or controlled by us. Integration &
Modification: This Lease, including all exhibits attached, constitutes our complete and total agreement, and all prior or contemporaneous agreements,
promises, representations and affirmations, whether written or oral, are merged into and superseded by this Lease. No oral promises, representations, or
affirmations made contemporaneously with the execution of this Lease shall operate to modify, enlarge or contradict its express terms. This Lease may
be modified by the subsequent agreement of the parties, but no such modification shall be operative unless contained in writing and signed by you and
us. Governing Law, Jurisdiction & Venue : Except as otherwise set forth in the Arbitration Agreement, this Lease, and any amendments and/or
modifications shall be governed by the laws of the state where you reside as of the date you sign this Lease. Multiple Lessees: If more than one person
signs this Lease as Lessee, each signer promises that the signers are married to each other and/or that both signers are receiving possession of all
Items, and each signer agrees that each signer is individually liable and both signers are jointly liable for your obligations under this Lease. Rights
Cumulative: All our rights are cumulative, and our failure to exercise promptly any rights under this Lease shall not operate to forfeit any of these rights.
Right to Take Possession: If you are in default of this Lease or you do not renew, we have the right to take possession of the Property without
breaching the peace. You agree to pay all costs we incur in taking possession of the Property to the extent permitted by law. Severability & Waiver: No
waiver of any provision in this Lease shall be deemed to have been made unless such waiver is in writing and signed us. Our failure to insist upon the
strict performance of any of the covenants or conditions of this Lease, or to exercise any option herein conferred, shall not be construed as waiving or
relinquishing for the future any such covenants, conditions or options, but the same shall continue and remain in full force and effect. Except as otherwise
set forth in the Arbitration Agreement, if any clause of this Lease is illegal or unenforceable under present or future laws, then and in that event, the
remainder of this Lease shall not be affected. Georgia Residents: If your address at the top of this Lease is in Georgia, you should review the Georgia
Disclosure Statement attached as Exhibit E, which is part of this Lease.
EXHIBIT A
PROPERTY DESCRIPTION, CASH PRICE & COST OF RENTAL

Information concerning the Property is set forth below:
ALL ITEMS
DESCRIPTION OF ITEMS
Apple 10th Gen 10.9-Inch iPad (Latest Model) with Wi-Fi - 64GB - Pink With Rose Gold Case Bundle (New)
Cash Price (A) Cost of Rental (B)
$638.49 $1862.59
Total of Payments (A + B)
$2501.08
EXHIBIT B
ARBITRATION AGREEMENT
We have put this Arbitration Agreement in question and answer form to make it easier to understand. However, this Arbitration Agreement is a legally
binding contract and by checking the box and clicking "Continue" you agree to be bound by its terms. In this Arbitration Agreement, "we," "our,"
and "us" meanFlexShopper, LLC, 901 Yamato Road, Suite 260, Boca Raton, FL 33431, its successors and assigns and any other parties identified
below.
Background and Scope
Question Short Answer Further Detail
What is arbitration? An alternative to a court In arbitration, a neutral third party ("Arbitrator") resolves Disputes in a hearing. It is less
case formal than a court case.
Is it different from court Yes The hearing is private. There is no jury. It is usually less formal, faster, and less
and jury trials? expensive than a court lawsuit. Pre-hearing fact-finding (called "discovery") is limited.
Appeals are limited. Courts rarely overturn arbitration awards.
Can you opt-out of this Yes, within 60 days If you do not want this Arbitration Agreement to apply, you must send us a signed notice
Arbitration Agreement? within 60 calendar days after signing this Arbitration Agreement. You must send the
notice in writing to our Legal Department either via email to legal@flexshopper or via
U.S. first-class mail to our above address. Provide your name, address, date, and email.
State that you "opt-out" of the Arbitration Agreement. Please note that any lease with
FlexShopper, LLC, will contain a separate arbitration agreement with a right to reject
arbitration. That arbitration agreement applies only to your lease.
What is this Arbitration The parties’ agreement Unless prohibited by applicable law and unless you opt-out, you and we agree that you
Agreement about? to arbitrate Disputes or we may elect to arbitrate individually or require individual arbitration of any "Dispute"
as defined below.
Who does the You, us, and certain This Arbitration Agreement governs you and us. It also covers certain "Related Parties":
Arbitration Agreement "Related Parties" (1) our parents, subsidiaries, and affiliates and their successors and assigns; (2) our
cover? employees, directors, officers, shareholders, members and representatives; and (3) any
person or company that is involved in a Dispute you pursue at the same time you
pursue a related Dispute with us.
What Disputes does the All Disputes (except This Arbitration Agreement governs all "Disputes" that would usually be decided in court
Arbitration Agreement certain Disputes about and are between us (or any Related Party) and you. In this Arbitration Agreement, the
cover? this Arbitration word "Disputes" has the broadest reasonable meaning. It includes all claims even
Agreement) indirectly related to your application, any spending limit we provide you (or decline to
provide you), or the relationships between you and us and/or Related Parties resulting
therefrom. It includes claims related to any prior applications. It includes extensions,
renewals, or payment plans. It includes claims related to collections, privacy and
customer information. It includes claims related to the validity of any application.
"Disputes" includes, but is not limited to, initial claims, counterclaims, cross-claims and
third-party claims, and claims based on any constitution, statute, regulation, ordinance,
common law rule (including rules relating to contracts, torts, negligence, fraud or other
intentional wrongs) and equity. It includes claims that seek relief of any type, including
damages and/or injunctive, declaratory or other equitable relief (but only individual
equitable relief, not class-wide or representative equitable relief). It includes claims
related to the validity in general of this application. However, it does not include
disputes about the validity, coverage or scope of this Arbitration Agreement or
any part of this Arbitration Agreement. All such disputes are for a court and not
the Arbitrator to decide. Disputes about the application as a whole are for the
Arbitrator to decide.
Who handles the Usually AAA or JAMS Arbitrations are conducted under this Arbitration Agreement and the rules of the
arbitration? arbitration administrator in effect at the time the arbitration is commenced. However,
arbitration rules that conflict with this Arbitration Agreement do not apply. The arbitration
administrator will be either:
The American Arbitration Association ("AAA"), 120 Broadway, Floor 21, New
York, N.Y 10271, www.adr.org.
JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.org
Any other company picked by agreement of the parties.
If all the above options are unavailable, a court will pick the administrator. No
arbitration may be administered without our consent by any administrator
that would permit class arbitration under this Agreement.
The arbitrator will be selected under the administrator's rules. However, the
arbitrator must be a lawyer with at least ten years of experience or a retired judge
unless you and we otherwise agree.
Can Disputes be Sometimes Either party may bring a lawsuit if the other party does not demand arbitration. We will
litigated? not demand arbitration of any lawsuit you bring as an individual action in small-claims
court or an equivalent court. However, we may demand arbitration upon transfer or
removal of a small-claims court action to a different court, any appeal of a small-claims
decision or any small-claims action brought or amended to be on a class basis. Both
parties may use lawful self-help remedies. This includes set-off or repossession and
sale of any collateral. Even if all parties have opted to litigate a Dispute in court, you or
we may elect arbitration with respect to any Dispute made by a new party or any
Dispute later asserted by a party in that or any related or unrelated lawsuit (including a
Dispute initially asserted on an individual basis but modified to be asserted on a class,
representative or multi-party basis). Nothing in that litigation shall constitute a waiver of
any rights under this Arbitration Agreement.
Are you giving up any Yes For Disputes subject to this Arbitration Agreement, you and we give up our rights
rights? to:
1. Have juries decide Disputes.
2. Have courts, other than small-claims courts, decide Disputes.
3. Serve as a private attorney general or in a representative capacity in court
or in arbitration.
4. Join a Dispute you, we or Related Parties have with a dispute by other
consumers.
5. Bring or be a class member in a class action in court or in class arbitration.
6. You and we also give up the right to a jury trial and to have courts decide
Disputes you or we wish to arbitrate.
Can you or another No The Arbitrator is not allowed to handle any Dispute on a class or representative
consumer start class basis. All Disputes subject to this Arbitration Agreement must be decided in an
arbitration? individual arbitration or an individual small-claims action. This Arbitration Agreement will
be void if a court rules that the Arbitrator can decide a Dispute on a class basis and the
court’s ruling is not reversed on appeal.
What law applies? The Federal Arbitration This Arbitration Agreement and your request for a spending limit involve interstate
Act ("FAA") commerce. Thus, the FAA governs this Arbitration Agreement. The Arbitrator must
apply substantive law consistent with the FAA. The Arbitrator must honor statutes of
limitation and privilege rights. The Arbitrator is authorized to award all remedies
permitted by applicable substantive law, including, without limitation, compensatory,
statutory and punitive damages (subject to constitutional limits that would apply in court),
individual declaratory, injunctive and other equitable relief, and attorneys’ fees and
costs. In the event of any conflict or inconsistency between this Arbitration Agreement
and the administrator’s rules or the application, this Arbitration Agreement will govern.
Will this Arbitration Yes, unless otherwise This Arbitration Agreement stays in force even if you: (1) cancel or end the application;
Agreement continue to agreed or unless you (2) decide not to enter into a lease; or (3) go into or through bankruptcy.
govern? opt out on a timely basis
Process
What must a party do Send a written Dispute Before starting a lawsuit or arbitration, the complaining party must give the other party
before starting a lawsuit notice and work to written notice of the Dispute. The notice must explain in reasonable detail the nature of
or arbitration? resolve the Dispute the Dispute and any supporting facts. If you are the complaining party, you must send
the notice in writing (and not electronically) to our Legal Department, at our above
address. You or an attorney you have personally hired must sign the notice and must
provide your full name and a phone number where you (or your attorney) can be
reached. A collections letter from us to you will serve as our written notice of a Dispute.
Once a Dispute notice is sent, the complaining party must give the other party a
reasonable opportunity over the next 30 days to resolve the Dispute on an individual
basis.
How does arbitration Mailing a notice If the parties do not reach an agreement to resolve the Dispute within 30 days after
start? notice of the Dispute is received, the complaining party may commence a lawsuit or
arbitration, subject to the terms of this Arbitration Agreement. To start arbitration, the
complaining party picks the administrator and follows the administrator’s rules. If one
party begins or threatens a lawsuit, the other party can demand arbitration. This
demand can be made in court papers, such as a motion to compel arbitration. It can be
made if a party begins a lawsuit on an individual basis and then tries to pursue a class
action. Once an arbitration demand is made, no lawsuit can be brought and any existing
lawsuit must stop unless a court rules otherwise.
Will any hearing be held Yes The Arbitrator may decide that an in-person hearing is unnecessary and that he or she
nearby? can resolve a Dispute based on written filings and/or a conference call. However, any
in-person arbitration hearing must be held at a place reasonably convenient to you.
What about appeals? Very limited Appeal rights under the FAA are very limited. Except for FAA appeal rights and except
for Disputes involving more than $50,000 (including Disputes involving requests for
injunctive relief that could cost more than $50,000), the Arbitrator’s award will be final
and binding. For Claims involving more than $50,000, any party may appeal the award
to a three-arbitrator panel appointed by the administrator, which will reconsider from the
start anything in the initial award that is appealed. The panel’s decision will be final and
binding, except for any FAA appeal right. Any appropriate court may enter judgment
upon the arbitrator’s award. No arbitration award involving the parties will have any
preclusive effect as to issues or claims in any dispute involving anyone who is not a
party to the arbitration, nor will an arbitration award in prior disputes involving other
parties have preclusive effect in an arbitration between the parties to this Arbitration
Agreement.
What happens if a part It depends If any portion of this Arbitration Agreement cannot be enforced, the rest of the
of this Arbitration Arbitration Agreement will continue to apply, except that (A) this Arbitration Agreement
Agreement cannot be (except for this sentence) will be void if a court rules that the Arbitrator can decide a
enforced? Dispute on a class basis and the court's ruling is not reversed on appeal, and (B) if a
claim is brought seeking public injunctive relief and a court determines that the
restrictions in this Arbitration Agreement prohibiting the arbitrator from awarding relief
on behalf of third parties are unenforceable with respect to such claim (and that
determination becomes final after all appeals have been exhausted), the claim for public
injunctive relief will be determined in court and any individual claims seeking monetary
relief will be arbitrated. In such a case the parties will request that the court stay the
claim for public injunctive relief until the arbitration award pertaining to individual relief
has been entered in court. In no event will class claims or claims for public injunctive
relief be arbitrated.
Arbitration Fees and Awards
Who bears arbitration Payment is determined The payment of filing, administrative and arbitrator fees shall be governed by the
fees? by the rules. administrator’s rules and applicable law.
Can you recover your Only if permitted by The parties shall bear their own legal fees and expenses for any arbitration proceeding
fees and legal applicable law. unless applicable law provides otherwise.
expenses?
Will you ever owe us for Only for bad faith or The Arbitrator can require you to pay our fees if (and only if): (1) the Arbitrator finds that
arbitration or attorneys' frivolous cases. you have acted in bad faith (as measured by the standards set forth in Federal Rule of
fees? Civil Procedure 11(b)) or the claim is frivolous; and (2) this power does not make this
Arbitration Agreement invalid.
Can a failure to resolve Yes You are entitled to an arbitration award of at least $7,500 if: (1) you give us notice of a
a Dispute informally Dispute on your own behalf (and not on behalf of any other party) and comply with all of
result in a larger the requirements of this Arbitration Agreement (including the requirements described in
recovery for you? response to the question reading "What must a party do before starting a lawsuit or
arbitration?)"; and (2) the Arbitrator awards you money damages greater than the last
amount you requested before the Arbitrator was appointed. In addition to the $7,500
payment, you will also be entitled to an award of your reasonable legal fees and
expenses, including expert witness fees and costs, as well as your arbitration fees.
Multiple awards of $7,500 are not contemplated by this Arbitration Agreement.
Settlement demands and offers are strictly confidential. They may not be used in any
proceeding by either party except to justify a minimum recovery of $7,500.
Can an award be Yes A party may request details from the Arbitrator, within 14 days of the ruling. Upon such
explained? request, the Arbitrator will explain the ruling in writing.
EXHIBIT C
ADDITIONAL STATE SPECIFIC INFORMATION
For Residents of Your Late Fee will ...
Alaska ... Not exceed $5.00

California ... Be the lesser of $5.00 or 5% of the Lease Payment, with a minimum charge of $2.00
... Not exceed $3.00 (if your Lease Payment is weekly, bi-weekly or semi-monthly) or $5.00 (if your Lease
Colorado
Payment is monthly)
Connecticut ... Be the lesser of $5.00 or 5% of the Lease Payment, with a minimum charge of $1.00
Delaware ... Be the greater of $3.00 or 10% of the Lease Payment, with a minimum charge of $2.00
Florida ... Not exceed $5.00
Georgia ... Be $0.00
Hawaii
Payment is monthly)
Illinois ... Not exceed $5.00
... Not exceed $3.00 up to $20.00 or $5.00 greater than $20.00 (if your Lease Payment is weekly, bi-weekly or
Indiana
semi-monthly) or $8.00 (if your Lease Payment is monthly)
Iowa
Payment is monthly)
Maine ... Be the greater of $3.00 or 5% of the delinquent payment amount
Michigan ... Be the greater of $10.00 or 5% of the delinquent amount
Missouri ... Not exceed $5.00
Nebraska
Payment is monthly)
New Hampshire ... Not exceed $5.00
New York ... Be the greater of $3.00 or 10% of the delinquent amount
North Dakota ... Be the greater of $3.00 or 5% of the delinquent amount
Oregon ... Not exceed $5.00
Pennsylvania ... Be the greater of $5.00 or 10% of the Lease Payment
South Carolina ... Not exceed $2.00
Texas ... Be $5.00
West Virginia ... Be the lesser of $15.00 or 5% of the delinquent amount
All Other States ... Be $5.00
EXHIBIT D
DESCRIPTION OF BANK ACCOUNT AND/OR CARD
Bank Account:
Financial Institution: PNC BANK, NA

Routing No.: *****0030
Account No.: ******0628
Card:
Card Network (VISA/MC/etc.): N/A

Card Number: N/A
Expiration Date: N/A
FLEXSHOPPER, LLC
RENTAL-PURCHASE AGREEMENT/LEASE-PURCHASE AGREEMENT/LEASE
EPO TABLE
Lessor: Lessee(s):
FlexShopper, LLC William Gleason
901 Yamato Road, Suite 260 5551 Donald Dr
Boca Raton, FL 33431 Southaven, MS 38671
855-353-9289
help@FlexShopper.com
https://flexshopper.com
EPO PRICE
Please refer to your lease for other important terms and conditions governing your EPO.
On or After Due Date of Payment 1 and Before Due Date of Payment 2

EPO Price $590.39
Sales / Use Tax $41.33
Total EPO Price with Tax $631.72
EPO Price $542.29
EPO Price $494.19
EPO Price $446.09
EPO Price $397.99
EPO Price $349.89
EPO Price $301.79
Total EPO Price with Tax
$322.92

EPO Price $253.69
EPO Price $157.49
EPO Price $109.39
EPO Price $61.29
EPO Price $1219.26
EPO Price $1187.99
EPO Price $1156.73
EPO Price $1125.46
EPO Price $1094.20
$1062.93
EPO Price
EPO Price $1031.67
EPO Price $1000.40
EPO Price $969.14
EPO Price $937.87
EPO Price $906.61
EPO Price $875.34
EPO Price $844.08
EPO Price $812.81
EPO Price $781.55
EPO Price $750.28
EPO Price $719.02
EPO Price $687.75
EPO Price $656.49
EPO Price $625.22
EPO Price $593.96
EPO Price $562.69
EPO Price $531.43
EPO Price $500.16
EPO Price $468.90
EPO Price $437.63

EPO Price $406.37
EPO Price $375.10
EPO Price $343.84
EPO Price $312.57
EPO Price $281.31
EPO Price $250.04
EPO Price $218.78
EPO Price $187.51
EPO Price $156.25
EPO Price $124.98
EPO Price $93.72
EPO Price $62.45
EPO Price $31.19
EPO Price $0.00

Agreement 9961F4FDE286

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Agreement 9961F4FDE286

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SIGN-BY-CODE: 077679

THIS IS YOUR HANGTAG

COST OF RENTAL CASH PRICE

AMOUNT OF EACH PAYMENT NUMBER OF PAYMENTS

with a Final Payment of $47.98

The Initial Term of the Lease is one week.

Lease Number: 9961F4FDE286 Lease Date: 11/01/2023

NOTICE TO CONSUMER/LESSEE - READ BEFORE SIGNING

COST OF RENTAL CASH PRICE

AMOUNT OF EACH PAYMENT NUMBER OF PAYMENTS

with a Final Payment of $47.98

The Initial Term of the Lease is one week.

2. Lease Term, Payments & Other Charges:

Total Recurring Lease Payment

Total Lease Payments (C) Total Sales/Use Tax (D)

SECURITY DEPOSIT OPTIONAL LIABILITY

SALES / USE TAX*

TOTAL INITIAL PAYMENT

e. Late Fees; Returned Check Fees; Other Charges:

11. Payment Authorization:

PROPERTY DESCRIPTION, CASH PRICE & COST OF RENTAL

Cash Price (A) Cost of Rental (B)

Background and Scope

Question Short Answer Further Detail

Question Short Answer Further Detail

Arbitration Fees and Awards

Question Short Answer Further Detail

For Residents of Your Late Fee will ...

Alaska ... Not exceed $5.00

Financial Institution: PNC BANK, NA

Card Network (VISA/MC/etc.): N/A

Lease Number: 9961F4FDE286 Lease Date: 11/01/2023

On or After Due Date of Payment 1 and Before Due Date of Payment 2

On or After Due Date of Payment 8 and Before Due Date of Payment 9

EPO Price $437.63

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