THIS AGREEMENT SHALL NOT CONSTITUTE A "NEGOTIABLE INSTRUMENT"

Consumer Installment Loan Agreement and Federal Truth-in-Lending Disclosures

Loan Number: 8604

Ascend Consumer Finance, Inc., NKA Jora, Inc.; d/b/a Jora d/b/a Jora Credit ("we", "us", "our", "Lender")
5080 Spectrum Drive Ste 700W, Addison TX 75001
888-256-6083

Lender: Borrower's Name: Maria Isabel Macias

Ascend Consumer Finance, Inc.,

License Number: CA Fin Lender's License No.: #605 4860 Borrower's ID: *******3609

Origination Date: 4/8/2018 Borrower's Address:

This is the date you signed and submitted this Agreement to the Lender. 6787 Palos dr
Riverside, CA 92503
Disbursement Date: On or about 4/9/2018
This is the date that the Loan proceeds are released. Borrower's Bank and Account Number for EFT Transfers (the "Bank
Account"):
Effective Date: 4/10/2018 Wells fargo *****0247 ******0861
This is the date that interest begins to accrue.
Agreed Rate of Charge under the California Finance Lenders Law:
Final Payment Due Date: 4/10/2020 15.42% per month/185.00% per year on the unpaid principal balance.
This is the Loan maturity date. See the terms below for additional information about interest calculation.

In this Consumer Installment Loan Agreement (this "Agreement") and in the Federal Truth-in-Lending Disclosures (the "Disclosures"), "you" and "your" refer to the
Borrower identified above. "We", "us", "our", and "Lender" refer to Jora, or any assignee or subsequent holder of this Agreement. "Loan" means the consumer
installment loan made by Lender to Borrower under this Agreement and Disclosures.

FEDERAL TRUTH-IN-LENDING DISCLOSURES

ANNUAL Total of Payments

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

183.93% $7,394.32 $2,600.00 $9,994.32

PAYMENT SCHEDULE: Your Payment Schedule will be as set forth in the following table, with each due date being referred to herein as a "Payment Due
Date":

Number of Payments Amount of Payments When Payments Are Due

4/27/2018, 5/11/2018, 5/25/2018, 6/8/2018,

6/22/2018, 7/6/2018, 7/20/2018, 8/3/2018,
8/17/2018, 8/31/2018, 9/14/2018, 9/28/2018,
10/12/2018, 10/26/2018, 11/9/2018, 11/23/2018,
12/7/2018, 12/21/2018, 1/4/2019, 1/18/2019,
2/1/2019, 2/15/2019, 3/1/2019, 3/15/2019,
51 $192.22 3/29/2019, 4/12/2019, 4/26/2019, 5/10/2019,
5/24/2019, 6/7/2019, 6/21/2019, 7/5/2019,
7/19/2019, 8/2/2019, 8/16/2019, 8/30/2019,
9/13/2019, 9/27/2019, 10/11/2019, 10/25/2019,
11/8/2019, 11/22/2019, 12/6/2019, 12/20/2019,
1/3/2020, 1/17/2020, 1/31/2020, 2/14/2020,
2/28/2020, 3/13/2020, 3/27/2020

1 $191.10 4/10/2020
 SECURITY: This loan is unsecured.

PREPAYMENT: If you prepay in full or in part, you will not have to pay a penalty.

See the terms of this Agreement for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and
prepayment refunds and penalties, if any.

Itemization of Amount Financed:

Amount given to you directly: $2,600.00

Plus, Amount paid on your account with Lender - Loan #_____: $0.00

Equals, Amount Financed: $2,600.00

THIS LOAN AGREEMENT CONTAINS AN ARBITRATION AGREEMENT. THE ARBITRATION AGREEMENT WILL SUBSTANTIALLY AFFECT YOUR
RIGHTS IN THE EVENT OF A DISPUTE WITH LENDER.

WARNING: This Loan is not meant to help you with your long-term credit needs. Repeated or frequent use can create serious financial problems for
you. We encourage you to think about the costs and benefits of all alternatives before signing this agreement.

THIS LOAN IS MADE PURSUANT TO OUR CALIFORNIA FINANCE LENDER'S LICENSE. THAT LICENSE IS ADMINISTERED BY THE CALIFORNIA
DEPARTMENT OF BUSINESS OVERSIGHT. FOR INFORMATION OR COMPLAINTS, CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT AT 1-866-
275-2677 OR www.dbo.ca.gov.

COMPLETING YOUR TRANSACTION: In order to complete your transaction with us, you must electronically sign this Agreement below. If we verify your
information, then we will fund the Loan in accordance with your selected funding method below. If you choose to receive funds electronically, then the funds may
be deposited into your Bank Account as soon as the next business day. If you choose to receive funds by check via regular mail, then you should allow 7 to 10
days for delivery. Despite our best efforts, unavoidable delays as a result of bank holidays, the processing schedule of your individual bank, the untimely receipt of
borrower verification details, inadvertent processing errors, "acts of God", and/or "acts of terror" may delay the receipt of the Loan funds. If we are unable to verify
your information by the Disbursement Date, then the Loan will be cancelled, you will not receive the Loan funds, and you will not incur any interest.

PROMISE TO PAY: You promise to pay Lender the principal sum of $2,600.00 plus interest from the Effective Date of this Loan at the rate of 185.0000% per year
("Contract Rate") until this Loan is repaid in full. You agree to make payments on the dates and in the amounts shown in the Payment Schedule above. You also
promise to pay to Lender all other fees and charges provided for under this Agreement.

INTEREST: Interest will accrue daily on the unpaid principal balance of this Loan, beginning on the Effective Date, until you pay in full. We calculate interest based
on a 365-day year, which means your daily interest rate is the Contract Rate divided by 365. In calculating your payments, we have assumed you will make each
payment on the day and in the amount due. If any payment is received after the Payment Due Date, you must pay any additional interest that accrues after the
Payment Due Date. If any payment is made before a Payment Due Date, the interest due on the scheduled payment will be reduced, and you will owe less
interest. The amount of any decrease or increase in interest due will affect the amount of your final payment. If the amount of any payment is not enough to pay the
interest due, the unpaid interest will be paid from your next payment(s), if any, and will not be added to the principal balance. Time is of the essence, which means
that there are no grace periods for when payments must be made. There is no separate late charge if you fail to make payments in accordance with the Payment
Schedule. However, if you do not make each payment in full on the Payment Due Dates as agreed, Lender may continue to charge interest on past due amounts
at the Contract Rate. After the final Payment Due Date interest will be charged on any outstanding principal at the Contract Rate or a lesser rate that may be
required by California law.

The interest rate under this Agreement will never exceed the highest rate or charge allowed by California law for this Loan. If the amount collected is found to
exceed the highest rate or charge allowed, Lender will refund an amount necessary to comply with law.

PAYMENTS: Lender will apply your payments in the following order: to accrued but unpaid interest, and then to principal amounts outstanding. If you select below
to make your payments electronically, each scheduled payment will be debited from your Bank Account (via ACH or debit card as applicable) on each Payment
Due Date in accordance with the Payment Authorization and this Agreement. See the Payment Authorization below for further information. If you have chosen to
receive your Loan funds via check and to repay all amounts due pursuant to this Agreement via money order or certified check, please mail each payment payable
to Jora Credit, Payment Processing, P.O. Box 8407, Philadelphia, PA 19101, in time for Lender to receive the payment by 4:00 p.m. Central Time on the applicable
Payment Due Date.

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

RIGHT OF RESCISSION: You may rescind or cancel this Loan if you do so on or before 5:00 p.m., Central Time, on the fifth calendar day after the Disbursement
Date (the "Rescission Deadline"). To cancel, call Lender at 888-256-6083 to tell us you want to rescind or cancel this Loan and provide us written notice of
rescission as directed by our customer service representative.

If you elect to receive your Loan proceeds electronically:  If we timely receive your written notice of rescission on or before the Rescission Deadline but before the
Loan proceeds have been credited to your Bank Account, we will not deposit your Loan proceeds to your Bank Account and both our and your obligations under
this Agreement will be rescinded. If we timely receive your written notice of rescission on or before the Rescission Deadline but after the Loan proceeds have been
credited to your Bank Account, we will debit your Bank Account for the principal amount owing under this Agreement. If we receive payment of the principal amount
via the debit, ours and your obligations under this Agreement will be rescinded. If we do not receive payment of the principal amount via the debit, then the
Agreement will remain in full force and effect until all amounts owed under this Agreement are repaid in full, including any interest.

If you elect to receive your Loan proceeds via check delivered by mail:  If we timely receive your written notice of rescission on or before the Rescission Deadline,
and (a) if we have not mailed the check representing the Loan proceeds to you or (b) if you have not cashed the check representing the Loan proceeds, then we
will cancel the check and both ours and your obligations under this Agreement will be rescinded. If you have cashed the check representing the Loan proceeds,
you must return the full amount of cash you received to us by the Rescission Deadline. If we do not receive the full amount by the Rescission Deadline, then the
Agreement will remain in full force and effect until all amounts owed under this Agreement are repaid in full, including any interest.

ELECTRONIC CHECK RE-PRESENTMENT POLICY: In the event a check is returned unpaid for insufficient or uncollected funds, we may re-present the check
electronically. In the ordinary course of business, the check will not be provided to you with your bank statement, but a copy can be retrieved by contacting your
financial institution.

CHECK CONVERSION NOTIFICATION: When you provide a check as payment, you agree we can either use information from your check to make a one-time
electronic withdrawal from your Bank Account or to process the payment as a check transaction. When we use information from your check to make a withdrawal
from your Bank Account, funds may be withdrawn from your Bank Account as soon as the same day we receive your payment and you will not receive your check
back from your financial institution. For questions, please call our customer service phone number, 888-256-6083.

BORROWER BANK CHARGES FOR RETURNED PAYMENTS: We do not charge returned payment fees. However, your financial institution may charge a fee if
your Bank Account becomes overdrawn or if a payment is attempted against your Bank Account that would cause it to become overdrawn. You will not hold us or
our agents, representatives, successors or assigns responsible for any such fee you must pay.

BANK ACCOUNT AND OTHER INFORMATION VERIFICATION: You certify that the information given in connection with this Agreement is true and correct. You
authorize us to verify all of the information that you gave us such as any past and/or present employment history, income and bank account details as may be
necessary to process your application for a loan, determine payment due dates and administer your account with us. You specifically authorize us to use
information you provided us, including your social security number and/or bank account number, to verify information in your Bank Account through telephone or
other electronically initiated bank records initiated by you or us and processed by us or our servicers or agents. This may include obtaining information directly from
your financial institution about your Bank Account.

CONSUMER REPORTS: You authorize us to obtain consumer reports about you in connection with your request for credit and at any time that you owe us money
under this or any Agreement.

REPORT OF NEGATIVE PAYMENT INFORMATION: You authorize us to report information about your account to credit bureaus. As required by law, you are
informed that failure to pay this obligation may result in a negative credit report being filed on you. If we take any adverse action as defined by Section 1785.3 of
the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to
obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished us your consumer credit report and from
any other consumer reporting agency which compiles and maintains files on consumers on a nationwide basis. You have the right as set forth in Section
1785.16 of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit
reporting agency.

SECURITY: This loan is unsecured. However, we do not waive any security interest that may arise by operation of law.

REFINANCE POLICY: Subject to California law and our credit policies, we will determine, in our sole discretion, whether your Loan may be refinanced.

REPAYMENT OF PRIOR LOAN: We only allow borrowers to have one loan outstanding at a time. Our approval of this Loan is based on your repayment of any
prior loan. You agree that Lender may cancel this Loan if any payment on your prior loan is returned unpaid.

DEFAULT: You will have broken your promise you made to us in this Agreement (each, a "Default") if: (a) you fail to comply with the terms of this Agreement, or
our prospects of your payment or performance are otherwise significantly impaired, (b) you fail to make a payment by the due date or if your payment is returned to
us for any reason, (c) you make (or have made) any untrue or inaccurate statement or representation to Lender; (d) you fail to provide Lender with any information
Lender reasonably requests; (e) you die, become incompetent, or fail to pay your debts as they become due; (f) you fail to maintain or sufficiently fund the Bank
Account to meet your repayment obligations under this Agreement; or (g) you file bankruptcy or become a debtor under the Federal Bankruptcy Laws.

CONSEQUENCES OF DEFAULT: Should you not do the things you agreed to under this Agreement, we may, at our option do any one or more of the following
things: (a) require you to immediately pay us everything you owe us under this Agreement and (b) pursue all legally available means under California law to collect
what you owe us. Except as expressly prohibited by California law, by signing this Agreement you waive notice of default, dishonor, demand for payment, protest,
presentment, and any other notices. Amounts you owe Lender includes the unpaid principal balance of this Loan, all unpaid accrued interest (including unpaid
interest owing on past due amounts), and any costs and fees Lender incurs in connection with this Agreement. By choosing to exercise any one or more of these
remedies, we do not give up our right to use another way to collect the money you owe us later. We may decide not to use any of the ways described above to get
back the money that you owe us. If so, we do not give up our right to consider what you said you would do to make payment(s) and, if you fail to make those
payment(s), we will consider you to be in Default, subject to California law. If we initiate proceeding to collect amounts owed under this Agreement, then you agree
to pay any court costs assessed as allowed by law. If the loan under this Agreement is for a bona fide principal amount of $5,000 or more, you also agree to pay
our reasonable attorney fees.

CHANGE OF PRIMARY RESIDENCE: You agree to notify Lender of any change in your primary residence as soon as possible, but no later than five (5) days
after any change. You agree that the address provided on this Agreement will govern this Agreement until you have met all obligations under this Agreement and
that any subsequent change in your address will not affect the terms or enforceability of this Agreement.

CORRESPONDENCE WITH LENDER: General correspondence with Lender concerning this Loan, this Agreement or your relationship with Lender must be sent
to Lender at the following address: Jora, P.O. Box 8407, Philadelphia, PA 19101. Communications related to the bankruptcy of the Borrower must be sent to
Lender at the following address: Jora, Attn: Bankruptcy Handling, P.O. Box 8407, Philadelphia, PA 19101.
FORCE MAJEURE: Unavoidable delays as a result of inadvertent processing errors and/or "acts of God" may extend the time for the deposit of Loan proceeds
and the processing of your payments.

TRANSFER OF RIGHTS/HYPOTHECATION: This instrument is non-negotiable in form but may be pledged as collateral security. If so pledged, any payment
made to the payee, either of principal or of interest, upon the debt evidenced by this obligation, will be considered and construed as a payment on this instrument,
the same as though it were still in the possession and under the control of the payee named herein; and the pledgee holding this instrument as collateral security
hereby makes said payee its agent to accept and receive payments hereon, either of principal or of interest.

SUCCESSORS AND ASSIGNS: This Agreement is binding upon your heirs and personal representatives in probate and upon anyone to whom you assign your
assets or who succeeds you in any other way. You agree that Lender may assign or transfer this Agreement and any of Lender's rights hereunder at any time
without prior notice to you, except as required by applicable law.

SERVICING COMMUNICATIONS AND COMMUNICATIONS AFTER DEFAULT: You authorize Lender and its authorized representatives to contact you
according to your consent provided in your application or according to your account preferences, as modified by you after submitting your application. This may
include (i) calling you during reasonable hours at any of the phone numbers listed on your most recent application (a) prior to each Payment Due Date to remind
you of the payment due and (b) and for other matters related to your account, (ii) contacting you by text message or other wireless communication method on the
mobile phone number listed on your application, (iii) leaving a message with a person or a voice mail service, and (iv) contacting you using autodialers or pre-
recorded messages, including calls to your mobile phone.

GOVERNING LAW; SEVERABILITY; INTERSTATE COMMERCE: This Agreement is governed by the laws of the State of California, except that the Jury Trial
Waiver and Arbitration Agreement is governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. §§ 1-9. The loan contemplated by this Agreement is made pursuant
to the California Finance Lenders Law, Division 9 (commencing with Section 22000) of the Financial Code. If any provision of this Agreement is held
unenforceable, including any provision of the Jury Trial Waiver Arbitration Agreement, the remainder of this Agreement will remain in full force and effect. You and
we agree that the transaction represented by this Agreement involves interstate commerce for all purposes.

JURY TRIAL WAIVER AND ARBITRATION CLAUSE.

By signing this agreement, you agree to the Jury Trial Waiver and Arbitration Clause ("Clause"):

Background and Scope.

In arbitration, a third party ("Arbiter") resolves Disputes in a hearing

What is arbitration? An alternative to court. ("hearing"). You, related third parties, and we, waive the right to go to
court. Such "parties" waive jury trials.

The hearing is private and less formal than court. Arbiters may limit pre-
Is it different from court and
Yes. hearing fact finding, called "discovery." The decision of the Arbiter is final.
jury trials?
Courts rarely overturn Arbiters' decisions.

This Clause governs the parties, their heirs, successors, assigns, and third
Who does the Clause cover? You, Us, and Others.
parties related to any Dispute.

In this Clause, the word "Disputes" has the broadest possible meaning.
This Clause governs all "Disputes" involving the parties to this Agreement
and/or our servicers and agents, including but not limited to consultants,
banks, payment processors, software providers, data providers and credit
bureaus. This includes all claims even indirectly related to your application
Which Disputes are covered? All Disputes. and agreements with us. This includes claims related to information you
previously gave us. It includes all past agreements. It includes extensions,
renewals, refinancings, or payment plans. It includes claims related to
collections, privacy, and customer information. It includes claims related to
setting aside this Clause. It includes claims about the Clause's validity and
scope. It includes claims about whether to arbitrate.

You waive your rights to:

1. Have juries resolve Disputes.
Are you waiving rights? Yes. 2. Have courts, other than small-claims courts, resolve Disputes.
3. Serve as a private attorney general or in a representative capacity.
4. Be in a class action.

COURTS AND ARBITERS WON'T ALLOW CLASS ACTIONS. You

waive your rights to participate in a class action as a representative
 Are you waiving class action and a member. Only individual arbitration or small-claims courts will
Yes.
rights? resolve Disputes. You waive your right to have representative claims.
Unless reversed on appeal, if a court invalidates this waiver, the
Clause will be void.

This transaction involves interstate commerce, so the FAA governs. If a

court finds the FAA doesn't apply, and the finding can't be appealed, then
The Federal Arbitration Act
What law applies? your state's law governs. The Arbiter must apply substantive law
("FAA").
consistent with the FAA. The Arbiter must follow statutes of limitation and
privilege claims.

We can try to resolve Disputes if you call us at 888-256-6083. If we are

unable to resolve the Dispute by phone, mail us notice within 30 days of
the date you first brought the Dispute to our attention. In your notice, tell us
the details and how you want to resolve it. We will try to resolve the
Can the parties try to resolve
Yes. Dispute. If we make a written offer ("Settlement Offer"), you can reject it
Disputes first?
and arbitrate. If we don't resolve the Dispute, either party may start
arbitration. To start arbitration, contact an Arbiter or arbitration group listed
below. No party may disclose settlement proposals to the Arbiter during
arbitration.

Send mail to: Jora P.O. Box 8407, Philadelphia, PA 19101. You can call
How should you contact us? By mail.
us or use certified mail to confirm receipt.

Each party has the right to arbitrate, or to go to small-claims court if the

small-claims court has the power to hear the Dispute. Arbitration will
Can small-claims court resolve resolve all Disputes that the small-claims court does not have the power to
Yes.
some Disputes? hear. If there is an appeal from small-claims court, or if a Dispute changes
so that the small-claims court loses the power to hear it, then the Dispute
will be heard only by an Arbiter.

Both parties may seek remedies which don't claim money damages. This
Do other options exist? Yes.
includes pre-judgment seizure, injunctions, or equitable relief.

The Clause will remain effective unless the parties agree otherwise in
writing. The Clause governs if you rescind the transaction. It governs if you
Will this Clause continue to
Yes, unless otherwise agreed. default, renew, prepay, or pay. It governs if your contract is discharged
govern?
through bankruptcy. The Clause will remain effective despite a
transaction's termination, amendment, expiration, or performance.

Process.

Either party may mail the other a request to arbitrate, even if a lawsuit has
been filed. The notice should describe the Dispute and relief sought. The
receiving party must mail a response within 20 days. If you mail the
demand, you may choose the arbitration group. Or your demand may state
How does arbitration start? Mailing a notice.
that you want the parties to choose a local Arbiter. If we or related third
parties mail the demand, you must respond within 20 days. Your response
must choose an arbitration group or propose a local Arbiter. If it doesn't,
we may choose the group.

You may select the American Arbitration Association ("AAA") (1-800-778-

7879) http://www.adr.org or JAMS (1-800-352-5267)
http://www.jamsadr.com. The parties to a Dispute may also agree in
writing to a local attorney, retired judge, or Arbiter in good standing with an
 AAA, JAMS, or an agreed arbitration group. The Arbiter must arbitrate under AAA or JAMS consumer
Who arbitrates?
Arbiter. rules. You may get a copy of these rules from such group. Any rules that
conflict with any of our agreements with you don't apply. If these options
aren't available and the parties can't agree on another, a court may
choose the Arbiter. Such Arbiter must enforce your agreements with us as
they are written.

Will the hearing be held The Arbiter will order the hearing within 30 miles of your home or where
Yes.
nearby? the transaction occurred unless otherwise required by law.

The Arbiter's decision will be final. A party may file the Arbiter's award with
the proper court. Arbitration will resolve appeals of a small-claims court
judgment. A party may appeal under the FAA. If the amount in controversy
What about appeals? Appeals are limited. exceeds $10,000.00, a party may appeal the Arbiter's finding. Such appeal
will be to a three-Arbiter panel from the same arbitration group. The appeal
will be de novo, and resolved by majority vote. The appealing party bears
appeal costs, despite the outcome.

Arbitration Fees and Awards.

We will advance your arbitration fees if you ask us to in writing. This

Will we advance Arbitration
Yes, but you pay your costs. includes filing, administrative, hearing, and Arbiter's fees. You are
Fees?
responsible for paying your attorney fees and other expenses.

Are damages and attorney fees The Arbiter may award the same damages as a court. Arbiters may award
Yes, if allowed by law.
possible? reasonable attorney fees and expenses, if allowed by law.

Will you pay Arbitration Fees if

No. If the Arbiter awards you funds you don't reimburse us the arbitration fees.
you win?

If the Arbiter doesn't award you funds, then you must repay the arbitration
Will you ever pay Arbitration
Yes. fees. If you must pay arbitration fees, the amount won't exceed state court
Fees?
costs.

If you are successful in arbitration you may receive an Arbiter's award. If

You could receive an award so ordered by the Arbiter, we will pay your attorney the attorney fees
What happens if you win?
from Arbiter. conferred, as well as reasonable expert witness costs and other costs you
incurred.

A party may request details from the Arbiter within 14 days of the ruling.
Can an award be explained? Yes.
Upon such request, the Arbiter will explain the ruling in writing.

Other Options.

Consider these choices:

1. Informal Dispute Resolution. Contact us and attempt to settle any
If you don't want to arbitrate, Yes. You can contract for our Disputes.
can you still contract for our services and decide not to 2. Small-claims Court. Seek to resolve Disputes in small-claims court,
services? arbitrate. within state law limits.
3. Opt-Out of Arbitration. Sign the Agreement and then timely opt-out of
Arbitration.
 Send us written notice of your intent to opt-out of the Arbitration Clause of
this Agreement within sixty (60) calendar days of signing your Agreement.
Can you opt-out of the Clause? Yes. Within 60 days.
List your name, address, account number and date. List that you "opt out."
If you opt out, it will only apply to this Agreement.

OPTIONAL PAYMENT AUTHORIZATION: You have the option to repay according to (1) this Payment Authorization, (2) by sending a certified check, money
order, or personal check by postal mail, or (3) you may contact us at any time to authorize a one-time payment debit. You are not required to select this
Payment Authorization as your method of repayment to receive this loan. If you wish to make payments by postal mail, then select the "Postal Mail" option in the
LOAN FUNDING and PAYMENT METHOD SELECTION below. If you wish to make automatic payments in accordance with this Payment Authorization, then
select the "Electronic" option in the LOAN FUNDING and PAYMENT METHOD SELECTION below

Crediting Funds to You and Your Bank Account Information. Pursuant to your selection made below, you authorize us, along with our successors and
assigns, to initiate a credit entry to credit you with amounts payable to you, using any of the following bank account information you provided to us, if any: Bank
Name: Wells fargo Account Number: ******0861 and routing number *****0247. Collectively, this information is referred to as "Bank Account." When we provide
the proceeds electronically we will initiate a credit entry to your Bank Account for an amount consistent with this Agreement by the Disbursement Date. If you
revoke this authorization before we credit the proceeds, then we will not deposit the proceeds into your Bank Account.

Payments from Your Bank Account to Us. Unless you choose to repay by postal mail, you authorize us to use the Bank Account information for your
scheduled payments, on or after the scheduled payment dates, by processing automated clearinghouse debits (ACH) or remotely created checks/payment
orders, based on your payment selection. You authorize payments in an amount equal to the amount set forth in your payment schedule (as modified from time
to time with notice to you).

Authorized Variations and Notice to You. If any agreed upon recurring payment will vary in amount, we will tell you, 10 days before each payment, when it
will be made and how much it will be. You authorize payments to us, in the amount of the scheduled payments, at the periodic intervals in the payment
schedule, until we are paid in full. If you do not repay as scheduled, additional interest may accrue on this transaction due to your actual repayment history. You
agree that as long as you have an outstanding balance with us, that we may continue to obtain payments from the Bank Account for an amount not to exceed
the amount of the previous debit, at the periodic interval in the payment schedule, until we are paid in full. We will send you notice 10 days in advance of such
payment.

Re-Initiation. You acknowledge that we may re-initiate any payment returned unpaid, up to two additional times following our initial payment attempt.

Warning About Returned Payments. We will not impose a returned payment fee or late fee if a payment attempt is returned unpaid. But, if a payment attempt
is returned unpaid, then you may be charged a returned payment fee by your financial institution.

Your Termination, Revocation, and Cancellation will apply to Both Options. This Payment Authorization will remain in full force and effect until you notify
us that you wish to terminate, revoke, or cancel it, by contacting us at the following: [email protected] or 888-256-6083. We require at least three (3)
days' notice to terminate, revoke, or cancel this authorization. Contact us at least three (3) days before the proposed effective date of the termination,
revocation, or cancellation of authorization. You acknowledge that if you terminate, revoke, or cancel, that you are still required to pay us pursuant to your
obligations. You agree that upon revocation, you will promptly contact us to make payment arrangements suitable to us, in our sole discretion. Your termination,
revocation, or cancellation will apply to the entire Payment Authorization. After your request becomes effective, we will not obtain payment from your Bank
Account by electronic funds transfer or remotely created check/payment order under this Payment Authorization.

How to Dispute a Remotely Created Check/Payment Order and Other Information. If you would like to dispute payment related to the remotely created
check/payment order, determine whether a payment was genuine, withhold payment of a remotely created check/payment order, or obtain re-crediting of
amounts we obtain under a remotely payment check/order, contact us by calling: 888-256-6083.

Opportunity to Print. You acknowledge that we provided you the opportunity to print a copy of this Payment Authorization before using electronic funds
transfers and drafting remotely created checks/payment orders.

Compliance. You agree that the payment transactions comply with applicable law.

Correction. You authorize us to credit funds into the Bank Account and obtain payments from the Bank Account in order to correct erroneous payments. If
there is any missing or erroneous information in or with the information you provided to us regarding your Bank Account, then you authorize us to verify and
correct such information.

Additional Acknowledgments. You acknowledge and agree that this Payment Authorization inures to the benefit of Jora, its affiliates, agents, employees,
successors, and registered assigns. You understand that your transaction is not conditioned on your agreement to repay by electronic debit entries.

b Yes. Process payment by electronic funds transfer or by remotely

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Our Options for Your Payment: Electronic Funds Transfer and
created check/payment order. Remotely Created Check/Payment Order. Under this authorization we
may process payments either by preauthorized electronic funds transfers
or by remotely created check/payment order. You authorize us, in our
discretion to make such selection before each payment. You acknowledge
and agree that we can make such choice. By checking the box, you agree
that at the time of processing your payment, we can choose whether to
process it as an electronic funds transfer or remotely created
check/payment order. If you do not want to repay in such manner, select
the "Postal Mail" option below. Note that you may cancel this authorization
for electronic funds transfer or remotely created check/payment order at
any time by contacting us at 888-256-6083 or by emailing us at
[email protected].
 PLEASE TAKE THE TIME TO CAREFULLY REVIEW THIS AGREEMENT, THE DISCLOSURES AND THE JURY TRIAL WAIVER AND
ARBITRATION AGREEMENT. IF YOU HAVE QUESTIONS, PLEASE CONTACT CUSTOMER SERVICE AT 888-256-6083.

By electronically signing this Agreement: You agree that the electronic signature has the full force and effect of your physical signature and that it
binds you to this Agreement in the same manner a physical signature would.

You acknowledge that:

(a) you have read, understand, and agree to all of the terms and conditions of

(i) this Agreement, including the Disclosures and the Waiver of Jury Trial and Arbitration Agreement,

(ii) Lender's Privacy Policy and

(iii) Lender's Terms and Conditions for California, which are incorporated herein by reference,

(b) this Agreement contains all of the terms of the agreement between you and us and that no representations or promises other than those
contained herein or therein have been made,

(c) you specifically authorize withdrawals and deposits to and from your Bank Account as described in this Agreement (if you have elected
below to repay this Loan via electronic debits),

(d) you are not a debtor under any proceeding in bankruptcy and have no intention to file a petition for relief under any chapter of the United
States Bankruptcy Code,

(e) this Agreement was filled in before you signed it,

(f) you have the ability to print or retain a completed copy of this Agreement,

(g) we have not made the Loan contingent upon your obtaining any other product or service from us or anyone else, and

(h) no person performed any act as a broker in connection with the making of this Agreement.

(i) we may withhold funding of your Loan until we ensure all the information you gave us on your application is true and we decide whether
you meet our requirements to receive the Loan.

(j) you might not receive your Loan proceeds check until your "Right of Rescission" (as described above) has expired, if you elect to receive
your Loan proceeds by mailed check.

NOTICES

(NOTE-In this Section, the borrower is sometimes referred to as "I" and "me" and sometimes referred to as "you" or "your".)

All Borrowers

You give Lender and its agents, successors, and assigns permission to obtain a consumer credit report from a credit reporting agency in connection with
any transaction, or extension of credit, and on an ongoing basis, for the purpose of reviewing the account created by this Agreement, taking collection
action on this Agreement, or for any other legitimate purposes associated with this Agreement. Upon your request, you will be informed of whether or not
a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report.
As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if
you fail to fulfill the terms of your credit obligations.

Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt, including promises to extend or renew
such debt, are not enforceable. To protect me (borrower) and Lender from misunderstanding or disappointment, any agreements Lender and you reach
covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between Lender and me, except as
we may later agree in writing to modify.

California Residents

A married applicant may apply for a separate account.

Governing Law is California Finance Lenders Law, Division 9 (commencing with Section 22000) of the California Financial Code and the rules issued
thereunder. The provisions of California Code of Civil Procedure § 1283.05 regarding the right to discovery shall apply to any arbitration proceedings
hereunder.

LOAN FUNDING and PAYMENT METHOD SELECTION (Please review and select one of these options):

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n ELECTRONIC: By checking here and signing below, you wish to obtain your Loan funds through an electronic credit entry to your Bank
Account. The Loan funds may be in your Bank Account as soon as the next business day following the Disbursement Date. You further wish to
have the payments under this Agreement automatically paid from your Bank Account on your scheduled Payment Due Dates. You also agree
that the credit and payments will be conducted in accordance with the Payment Authorization set forth in this Agreement. You acknowledge and
agree that the Payment Authorization is for the benefit of Jora, its affiliates, agents, representatives, employees, successors, and assigns. You
understand and acknowledge that you are not required to consent to receive the Loan funds or repay your Loan electronically. If you revoke
 your Payment Authorization, you agree to provide us with another means of payment acceptable to us in our sole discretion.

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n POSTAL MAIL: By checking here and signing below, you wish to obtain your Loan funds by check sent to you by regular mail via the U.S. Postal
Service. You may receive the Loan funds in 7 to 10 days. You further wish to make the payments under this Agreement by certified check, money
order, or personal check as set forth in the "Payments" paragraph above. You understand and agree that interest begins accruing on the
Effective Date set forth at the top of this Agreement, which may be before you receive the Loan funds.

Regardless of your selection above, you may contact us at any time to authorize a one-time payment debit. You certify that you have made or will make all
payments on any previous loans with Lender, and you agree that Lender may cancel this loan if any payment on your previous loans is not made or is returned
unpaid.

YOUR FULL NAME: TYPE "I Agree": DATE:

maria Isabel macias I Agree 4/8/2018

Ascend Consumer Finance, Inc.

By: Martin Wong, CEO

FOR INFORMATION, CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA

Ver.: 1