CONSENT TO ELECTRONIC COMMUNICATIONS: The following terms and conditions govern electronic communications
in connection with the following Loan Agreement and the transaction evidenced by the Loan Agreement (“this Consent”).
By entering Your name below and electronically signing, You are confirming Your ability to electronically sign, that You
have agreed to the terms and conditions of this Consent and that You have the ability to download or print a copy of this
Consent for Your records. You authorize and understand that Your electronic signature represents Your legal signature.
You agree that:
Any disclosure, notice, record or other type of information that is provided to You in connection with Your transaction with
Us, including but not limited to, the Loan Agreement, this Consent, any and all disclosures, change-in-term notices, fee
and transaction information, statements, delayed disbursement letters, notices of adverse action, and transaction
information (collectively, Communications), may be sent to You electronically via e-mail or by posting the information at
Our website www.estuaryfunding.com with notice to You of the posting.
All Communications will provided in electronic format via e-mail or other mechanism. If You would like to request a paper
copy of any Communication, please contact us.
You may obtain a copy of any Communication by writing to Us at [email protected] or by calling Us at
844-530-2788. You may withdraw Your consent to ongoing electronic communication, and request that all
Communications be sent to You in paper or non-electronic form, in the same manner.
You agree to provide Us with Your current e-mail address for notices at the address or phone number indicated above. If
Your e-mail address changes, You must send Us a notice of the new address by writing to Us at
[email protected] at least 5 business days before the change.
In order to receive electronic communications in connection with this transaction, You will need a working connection to
the Internet. Your browser must support the Secure Sockets Layer (SSL) protocol. SSL provides a secure channel to send
and receive data over the Internet. Microsoft Internet Explorer 6 or equivalent browser and above supports this feature.
You will also need either a printer connected to Your computer to print disclosures/notices or sufficient hard drive space
available to save the information (e.g., 1 megabyte or more). You must have Your own Internet service provider. We may
amend (add to, delete or change) the terms of this Consent to electronic communication by providing You with advance
notice.
Tirah Chitty
I AGREE
1
PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO
in connection with the following Loan Agreement and the transaction evidenced by the Loan Agreement (“this Consent”).
By entering Your name below and electronically signing, You are confirming Your ability to electronically sign, that You
have agreed to the terms and conditions of this Consent and that You have the ability to download or print a copy of this
Consent for Your records. You authorize and understand that Your electronic signature represents Your legal signature.
You agree that:
Any disclosure, notice, record or other type of information that is provided to You in connection with Your transaction with
Us, including but not limited to, the Loan Agreement, this Consent, any and all disclosures, change-in-term notices, fee
and transaction information, statements, delayed disbursement letters, notices of adverse action, and transaction
information (collectively, Communications), may be sent to You electronically via e-mail or by posting the information at
Our website www.estuaryfunding.com with notice to You of the posting.
All Communications will provided in electronic format via e-mail or other mechanism. If You would like to request a paper
copy of any Communication, please contact us.
You may obtain a copy of any Communication by writing to Us at [email protected] or by calling Us at
844-530-2788. You may withdraw Your consent to ongoing electronic communication, and request that all
Communications be sent to You in paper or non-electronic form, in the same manner.
You agree to provide Us with Your current e-mail address for notices at the address or phone number indicated above. If
Your e-mail address changes, You must send Us a notice of the new address by writing to Us at
[email protected] at least 5 business days before the change.
In order to receive electronic communications in connection with this transaction, You will need a working connection to
the Internet. Your browser must support the Secure Sockets Layer (SSL) protocol. SSL provides a secure channel to send
and receive data over the Internet. Microsoft Internet Explorer 6 or equivalent browser and above supports this feature.
You will also need either a printer connected to Your computer to print disclosures/notices or sufficient hard drive space
available to save the information (e.g., 1 megabyte or more). You must have Your own Internet service provider. We may
amend (add to, delete or change) the terms of this Consent to electronic communication by providing You with advance
notice.
Tirah Chitty
I AGREE
1
PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO
ELECTRONICALLY SIGN AND DATE IT. YOU WILL ALSO BE ASKED TO ELECTRONICALLY SIGN AND DATE THE
ELECTRONIC DISBURSEMENT AND PAYMENT AUTHORIZATION.
Loan # 209829
Agreement Date: 03/02/2026
Effective Date: 03/02/2026
Estuary Funding
PO Box 11202
Santa Rosa, CA 95406
Name: Tirah Chitty
Address: 49 IRONWEED DR
City: Pueblo
State: CO Zip: 81001
Phone: 307-622-7307
Email: [email protected]
SSN: xxx-xx-8891
We cannot commit to make a loan to You unless and until Your completed application is approved by Our Underwriting
Department.
ANNUAL PERCENTAGE
RATE
The cost of your credit as a
yearly rate, which is
subject to change.
FINANCE CHARGE
The dollar amount the
credit will cost you.
Amount Financed
The amount of credit
provided to you or on your
behalf.
Total of Payments
The amount you will have
paid after you have made
all payments as scheduled.
580.78 % $ 1,486.63 $ 300.00 $ 1,786.63 Your payment schedule will be:
Number of Payments Amount of Payments When Payments are Due 1 $87.49 Beginning on
3/20/2026
24 $68.13 4/3/2026
1 $64.02 3/5/2027
Late Fee: If a payment is received three (17) days or later past the Payment Due Date, You may be
charged a late fee of $30.00.
Prepayment: If You pay off some or all of the amount You owe early, You will not have to pay a penalty.
See the terms of the Loan Agreement below for additional information about nonpayment, default, penalties
and any required repayment in full before the schedule date.
ITEMIZATION OF AMOUNT FINANCED: Principal Amount Financed/Amount given to You directly $300.00 2
SPECIAL NOTICES:
* YOUR LOAN IS A VERY EXPENSIVE FORM OF BORROWING.
ELECTRONIC DISBURSEMENT AND PAYMENT AUTHORIZATION.
Loan # 209829
Agreement Date: 03/02/2026
Effective Date: 03/02/2026
Estuary Funding
PO Box 11202
Santa Rosa, CA 95406
Name: Tirah Chitty
Address: 49 IRONWEED DR
City: Pueblo
State: CO Zip: 81001
Phone: 307-622-7307
Email: [email protected]
SSN: xxx-xx-8891
We cannot commit to make a loan to You unless and until Your completed application is approved by Our Underwriting
Department.
ANNUAL PERCENTAGE
RATE
The cost of your credit as a
yearly rate, which is
subject to change.
FINANCE CHARGE
The dollar amount the
credit will cost you.
Amount Financed
The amount of credit
provided to you or on your
behalf.
Total of Payments
The amount you will have
paid after you have made
all payments as scheduled.
580.78 % $ 1,486.63 $ 300.00 $ 1,786.63 Your payment schedule will be:
Number of Payments Amount of Payments When Payments are Due 1 $87.49 Beginning on
3/20/2026
24 $68.13 4/3/2026
1 $64.02 3/5/2027
Late Fee: If a payment is received three (17) days or later past the Payment Due Date, You may be
charged a late fee of $30.00.
Prepayment: If You pay off some or all of the amount You owe early, You will not have to pay a penalty.
See the terms of the Loan Agreement below for additional information about nonpayment, default, penalties
and any required repayment in full before the schedule date.
ITEMIZATION OF AMOUNT FINANCED: Principal Amount Financed/Amount given to You directly $300.00 2
SPECIAL NOTICES:
* YOUR LOAN IS A VERY EXPENSIVE FORM OF BORROWING.
* YOU CAN SAVE FINANCE CHARGES BY PAYING OFF YOUR LOAN EARLY EITHER IN PART OR IN FULL. * YOUR LOAN
IS DESIGNED TO ASSIST YOU IN MEETING YOUR SHORT TERM CASH NEEDS. IT IS NOT A SOLUTION FOR LONGER
TERM FINANCIAL PROBLEMS.
* IF YOU ARE HAVING FINANCIAL DIFFICULTIES, YOU MAY WANT TO LOOK INTO CREDIT COUNSELING SERVICES,
WHICH MAY BE AVAILABLE IN YOUR LOCAL COMMUNITY FOR FREE OR AT LOW COST.
TERMS AND CONDITIONS
In this Loan Agreement (“Loan Agreement” or “Agreement”) the words “We”, “Us” and “Our” mean Estuary Funding, and
any authorized representative, agent, independent contractor, affiliate, or assignee We use in the provision of Your loan.
“You” and “Your” means the consumer who signs this Agreement electronically. The term “business day” means any
calendar day other than a Saturday, Sunday or a bank or federal holiday.
PLEASE NOTE: Napa Lending dba Estuary Funding (“Estuary Funding”) is wholly owned and operated by Kashia Services,
a wholly owned and operated economic arm and instrumentality of the Kashia Band of Pomo Indians of the Stewarts Point
Rancheria (“Tribe”), a federally recognized sovereign Indian tribe. Estuary Funding was established and operates under
and subject to the laws of the Tribe and applicable federal law.
VERIFICATION: You authorize Us to verify the information You provided to Us in connection with Your Loan application.
You give Us consent to obtain information about You from consumer reporting agencies or other sources at any time as
allowed by law. We reserve the right to withhold funding of this Loan, at any time prior to disbursement, to allow Us to
verify the information You have provided to Us.
CONSUMER REPORTS: You authorize Us to obtain consumer reports about You now or in the future as long as You owe
Us money under this Agreement. We may use the consumer report for any purpose authorized by applicable law in
connection with a credit transaction involving You and involving the extension of credit to You or review or collection of
your account, including but not limited to (i) for authentication purposes, to make sure You are who You say you are, (ii)
to make credit decisions; (iii) to determine how much debt You currently have, in order to determine Your debt-to-income
ratio, and (iv) to obtain information and characteristics from Your credit report from one or more consumer credit
reporting agencies. We reserve the right to withhold funding of this Loan, at any time prior to disbursement, to allow Us to
verify the information You have provided to Us. We may report information about Your performance under this Agreement
to credit reporting agencies. Late payments, missed payments and defaults may be reported and reflected on Your credit
report.
APPROVAL and DISBURSEMENT: In order to complete your transaction with Us, You must electronically sign this
Agreement as set forth below. Once You sign and submit this Agreement to us, we will confirm your information and
either approve or deny the loan request. If approved, we will use commercially reasonable efforts to initiate a credit entry
of the loan proceeds into Your Bank Account or onto the Debit Card listed on Your Disbursement and Payment Choice
Authorization on or before the Effective Date listed above.
We rely on the representations of You and other parties in determining the Effective Date. 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 (if required), inadvertent processing errors, “acts of God”, and/or “acts of terror” may extend
the time for the deposit. If We are unable to verify Your information by the Effective Date Your loan request will not be
approved, We will not fund the Loan, and You will not incur any finance charges.
The date that Your loan proceeds are scheduled to be credited to Your Bank Account is the “Effective Date.” The scheduled
“Effective Date” is set forth at the top of this Agreement.
YOUR PROMISE TO PAY: You promise to pay us the principal sum of $300.00 plus interest at a rate of 580.78% per
year (“Contract Rate”). Interest begins to accrue on the principal balance outstanding from the Effective Date. You agree
to make scheduled payments on the dates and in the amounts shown in the Payment Schedule above, or as
3
may be later modified by agreement between You and Us (“Payment Due Dates”). You also promise to pay Us all other
charges provided for in this Agreement.
IS DESIGNED TO ASSIST YOU IN MEETING YOUR SHORT TERM CASH NEEDS. IT IS NOT A SOLUTION FOR LONGER
TERM FINANCIAL PROBLEMS.
* IF YOU ARE HAVING FINANCIAL DIFFICULTIES, YOU MAY WANT TO LOOK INTO CREDIT COUNSELING SERVICES,
WHICH MAY BE AVAILABLE IN YOUR LOCAL COMMUNITY FOR FREE OR AT LOW COST.
TERMS AND CONDITIONS
In this Loan Agreement (“Loan Agreement” or “Agreement”) the words “We”, “Us” and “Our” mean Estuary Funding, and
any authorized representative, agent, independent contractor, affiliate, or assignee We use in the provision of Your loan.
“You” and “Your” means the consumer who signs this Agreement electronically. The term “business day” means any
calendar day other than a Saturday, Sunday or a bank or federal holiday.
PLEASE NOTE: Napa Lending dba Estuary Funding (“Estuary Funding”) is wholly owned and operated by Kashia Services,
a wholly owned and operated economic arm and instrumentality of the Kashia Band of Pomo Indians of the Stewarts Point
Rancheria (“Tribe”), a federally recognized sovereign Indian tribe. Estuary Funding was established and operates under
and subject to the laws of the Tribe and applicable federal law.
VERIFICATION: You authorize Us to verify the information You provided to Us in connection with Your Loan application.
You give Us consent to obtain information about You from consumer reporting agencies or other sources at any time as
allowed by law. We reserve the right to withhold funding of this Loan, at any time prior to disbursement, to allow Us to
verify the information You have provided to Us.
CONSUMER REPORTS: You authorize Us to obtain consumer reports about You now or in the future as long as You owe
Us money under this Agreement. We may use the consumer report for any purpose authorized by applicable law in
connection with a credit transaction involving You and involving the extension of credit to You or review or collection of
your account, including but not limited to (i) for authentication purposes, to make sure You are who You say you are, (ii)
to make credit decisions; (iii) to determine how much debt You currently have, in order to determine Your debt-to-income
ratio, and (iv) to obtain information and characteristics from Your credit report from one or more consumer credit
reporting agencies. We reserve the right to withhold funding of this Loan, at any time prior to disbursement, to allow Us to
verify the information You have provided to Us. We may report information about Your performance under this Agreement
to credit reporting agencies. Late payments, missed payments and defaults may be reported and reflected on Your credit
report.
APPROVAL and DISBURSEMENT: In order to complete your transaction with Us, You must electronically sign this
Agreement as set forth below. Once You sign and submit this Agreement to us, we will confirm your information and
either approve or deny the loan request. If approved, we will use commercially reasonable efforts to initiate a credit entry
of the loan proceeds into Your Bank Account or onto the Debit Card listed on Your Disbursement and Payment Choice
Authorization on or before the Effective Date listed above.
We rely on the representations of You and other parties in determining the Effective Date. 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 (if required), inadvertent processing errors, “acts of God”, and/or “acts of terror” may extend
the time for the deposit. If We are unable to verify Your information by the Effective Date Your loan request will not be
approved, We will not fund the Loan, and You will not incur any finance charges.
The date that Your loan proceeds are scheduled to be credited to Your Bank Account is the “Effective Date.” The scheduled
“Effective Date” is set forth at the top of this Agreement.
YOUR PROMISE TO PAY: You promise to pay us the principal sum of $300.00 plus interest at a rate of 580.78% per
year (“Contract Rate”). Interest begins to accrue on the principal balance outstanding from the Effective Date. You agree
to make scheduled payments on the dates and in the amounts shown in the Payment Schedule above, or as
3
may be later modified by agreement between You and Us (“Payment Due Dates”). You also promise to pay Us all other
charges provided for in this Agreement.
YOUR FINANCE CHARGES: This is a “simple interest” loan where interest is computed on a daily basis, beginning on the
Effective Date, until the loan is paid in full. In calculating your payments, We have assumed you will make each payment
according to the Payment Schedule above. The daily rate is assessed by dividing the Contract Rate by 365 (the number of
days in a year). This daily rate is then used to calculate the total amount of each payment due on Your payment schedule,
as each payment is a combination of both principal and interest. Your actual finance charges may be more than the
disclosed finance charge if You make one or more payments late, or less if You make Your payments early, which may
affect the amount of Your final payment. You may contact us at any time to get an updated payment schedule and
calculation of the outstanding amount due on Your loan based on Your payment history. If the amount of any payment You
make is not enough to pay the finance charges due, Your next payment will first be applied to the outstanding unpaid
finance charges, and then to the current amount due on the payment schedule. Making payments that are less than the
scheduled payment, will result in additional finance charges being applied to your account and will increase the total
amount owed under the terms of this Agreement. Time is of the essence, which means that there are no grace periods for
when payments must be made. If You are having difficulty making payments according to the above payment schedule,
please contact us by phone at 844-530-2788 or e-mail to [email protected].
CANCELLATION: You may cancel Your Loan and Your payment obligations under this Loan Agreement, without cost, fee
or finance charges, no later than 5:00 pm Central Time of the next business day immediately following the
Effective Date (“Cancellation Deadline”). Your right to cancel Your Loan only applies if Your Loan (1) hasn’t funded or, (2)
if it has, the funds are returned to Us as explained below. To cancel Your payment obligations within the allotted
cancellation time frame, You must inform Us in writing, by or before the Cancellation Deadline by email to
[email protected] that You want to cancel Your Loan. You cannot cancel Your loan and payment
obligations by phone or text message. If We timely receive Your written notice of cancellation on or before the
Cancellation Deadline and before the loan proceeds have been deposited into Your Bank Account, then We will cancel the
deposit of funds and agree not to debit Your Bank Account or Debit Card, as applicable, for any amount and both Your and
Our obligations under this Loan Agreement will be rescinded. However, if We timely receive Your written notice of
cancellation on or before the Cancellation Deadline but after the loan proceeds have been credited to Your Bank Account,
then You authorize Us to affect a debit to Your Bank Account or Debit Card, if and as authorized in Your Disbursement and
Payment Choice Authorization, for the principal amount of Your Loan. If We receive payment of the principal amount by
debit of Your Bank Account or Debit Card via the debit, then both Your and Our obligations under this Loan Agreement will
be rescinded. If We do not receive payment of the full principal amount by debit of Your Bank Account or Debit Card, then
this Loan Agreement will remain in full force and effect and Your first payment will be due according to Your Payment
Schedule. Cancellation in accordance with this paragraph does not affect the Arbitration provision below.
PAYMENTS: You are required to make each Payment on or before the Payment Dues Dates including as may be later
modified. If any Payment Due Date is on a day that is not a Business Day, such as a weekend or Bank Holiday, then Your
payment will be due on the following Business Day; however, We will credit the payment to Your account as if We received
it on the scheduled Payment Due Date. If You would like to repay Your loan according to a payment plan other than as set
forth herein, You must contact a customer service representative by phone at 844-530-2788 or e
mail to [email protected] no later than three (3) business days prior to Your next scheduled
Payment Due Date to make those payment schedule modifications if You would like them in effect for the next Payment
Due Date. You will make Your payments on or before every Payment Due Date until You have paid the entire principal and
accrued finance charges and any other charges as described in this Agreement. If on the final scheduled Payment Due
Date (“Maturity Date”), You still owe amounts under this Agreement, You are obligated to pay those amounts in full on
that date.
ELECTRONIC FUNDS TRANSFER PAYMENTS: If You authorize Us to receive Your payments electronically, then Your
payment and any Late or Refused Instrument Charge fees due to Us, if applicable, will be debited electronically in
accordance with Your Disbursement and Payment Choice Authorization on each Payment Due Date as set forth in Your
Payment Schedule, and under this Agreement. You may revoke Your electronic payment authorization by contacting
customer service at 844-530-2788 or emailing Us at [email protected]. Please note, if Your scheduled
payment has already been submitted to Your financial institution at the time of revocation, it may be necessary for Us to
wait until that payment posts before We can refund any such payment amount to You. However, when possible, at the
time of revocation, We will void any pending payments. Please allow three (3) business days to process any revocation
requests.
4
PAYMENT BY CASHIER’S CHECK OR MONEY ORDER: If You elect to pay by check, then You agree to pay all amounts
due pursuant to this Agreement via cashier’s check or money order mailed to Estuary Funding, PO Box 11202, Santa
Rosa, CA 95406. All mailed payments must be received by Us on or before the Payment Due Date.
Effective Date, until the loan is paid in full. In calculating your payments, We have assumed you will make each payment
according to the Payment Schedule above. The daily rate is assessed by dividing the Contract Rate by 365 (the number of
days in a year). This daily rate is then used to calculate the total amount of each payment due on Your payment schedule,
as each payment is a combination of both principal and interest. Your actual finance charges may be more than the
disclosed finance charge if You make one or more payments late, or less if You make Your payments early, which may
affect the amount of Your final payment. You may contact us at any time to get an updated payment schedule and
calculation of the outstanding amount due on Your loan based on Your payment history. If the amount of any payment You
make is not enough to pay the finance charges due, Your next payment will first be applied to the outstanding unpaid
finance charges, and then to the current amount due on the payment schedule. Making payments that are less than the
scheduled payment, will result in additional finance charges being applied to your account and will increase the total
amount owed under the terms of this Agreement. Time is of the essence, which means that there are no grace periods for
when payments must be made. If You are having difficulty making payments according to the above payment schedule,
please contact us by phone at 844-530-2788 or e-mail to [email protected].
CANCELLATION: You may cancel Your Loan and Your payment obligations under this Loan Agreement, without cost, fee
or finance charges, no later than 5:00 pm Central Time of the next business day immediately following the
Effective Date (“Cancellation Deadline”). Your right to cancel Your Loan only applies if Your Loan (1) hasn’t funded or, (2)
if it has, the funds are returned to Us as explained below. To cancel Your payment obligations within the allotted
cancellation time frame, You must inform Us in writing, by or before the Cancellation Deadline by email to
[email protected] that You want to cancel Your Loan. You cannot cancel Your loan and payment
obligations by phone or text message. If We timely receive Your written notice of cancellation on or before the
Cancellation Deadline and before the loan proceeds have been deposited into Your Bank Account, then We will cancel the
deposit of funds and agree not to debit Your Bank Account or Debit Card, as applicable, for any amount and both Your and
Our obligations under this Loan Agreement will be rescinded. However, if We timely receive Your written notice of
cancellation on or before the Cancellation Deadline but after the loan proceeds have been credited to Your Bank Account,
then You authorize Us to affect a debit to Your Bank Account or Debit Card, if and as authorized in Your Disbursement and
Payment Choice Authorization, for the principal amount of Your Loan. If We receive payment of the principal amount by
debit of Your Bank Account or Debit Card via the debit, then both Your and Our obligations under this Loan Agreement will
be rescinded. If We do not receive payment of the full principal amount by debit of Your Bank Account or Debit Card, then
this Loan Agreement will remain in full force and effect and Your first payment will be due according to Your Payment
Schedule. Cancellation in accordance with this paragraph does not affect the Arbitration provision below.
PAYMENTS: You are required to make each Payment on or before the Payment Dues Dates including as may be later
modified. If any Payment Due Date is on a day that is not a Business Day, such as a weekend or Bank Holiday, then Your
payment will be due on the following Business Day; however, We will credit the payment to Your account as if We received
it on the scheduled Payment Due Date. If You would like to repay Your loan according to a payment plan other than as set
forth herein, You must contact a customer service representative by phone at 844-530-2788 or e
mail to [email protected] no later than three (3) business days prior to Your next scheduled
Payment Due Date to make those payment schedule modifications if You would like them in effect for the next Payment
Due Date. You will make Your payments on or before every Payment Due Date until You have paid the entire principal and
accrued finance charges and any other charges as described in this Agreement. If on the final scheduled Payment Due
Date (“Maturity Date”), You still owe amounts under this Agreement, You are obligated to pay those amounts in full on
that date.
ELECTRONIC FUNDS TRANSFER PAYMENTS: If You authorize Us to receive Your payments electronically, then Your
payment and any Late or Refused Instrument Charge fees due to Us, if applicable, will be debited electronically in
accordance with Your Disbursement and Payment Choice Authorization on each Payment Due Date as set forth in Your
Payment Schedule, and under this Agreement. You may revoke Your electronic payment authorization by contacting
customer service at 844-530-2788 or emailing Us at [email protected]. Please note, if Your scheduled
payment has already been submitted to Your financial institution at the time of revocation, it may be necessary for Us to
wait until that payment posts before We can refund any such payment amount to You. However, when possible, at the
time of revocation, We will void any pending payments. Please allow three (3) business days to process any revocation
requests.
4
PAYMENT BY CASHIER’S CHECK OR MONEY ORDER: If You elect to pay by check, then You agree to pay all amounts
due pursuant to this Agreement via cashier’s check or money order mailed to Estuary Funding, PO Box 11202, Santa
Rosa, CA 95406. All mailed payments must be received by Us on or before the Payment Due Date.
PREPAYMENT: You may prepay all or part of the amount that You owe Us at any time without penalty. If You make a
partial prepayment, You will continue to make remaining payments on Your Loan on the dates and in the amounts set
forth in Your Payment Schedule until Your Loan is repaid in full. If You wish to prepay Your loan in full, then You must
contact a customer service representative by phone at 844-530-2788 or e-mail to [email protected] to
obtain an accurate payoff amount and either provide Us with authorization to affect a debit entry to Your Bank Account or
Debit Card for the full amount, or otherwise advise Us of Your intended method of prepayment.
REFUSED INSTRUMENT CHARGE: If any payment is denied, returned, or otherwise dishonored due to insufficient
funds, a closed account, or a stop payment order, then You agree to pay Us a fee of $25. If You authorized debits from
either Your Bank Account or Debit Card in Your Disbursement and Payment Choice Authorization, You agree that We may
debit Your Bank Account or Debit Card as applicable, for any refused instrument charges. Your refused instrument may
also cause Your payment to be late which could result in Your having to also pay a late fee.
LATE FEE: If We receive any payment due from You to Us three (3) or more days after the Payment Due Date, as a result
of a refused, returned or dishonored instrument, or due to a check received after the Payment Due Date, or for any other
reason, You may be charged a late fee of $25. If You authorized debits from either Your Bank Account or Debit Card in
Your Disbursement and Payment Choice Authorization, You agree that We may debit Your Bank Account or Debit Card, as
applicable, for any late fee.
CUSTOMER SERVICE: Please direct any questions or issues to Our customer service department, in writing to
[email protected] or by phone to 844-530-2788, and We will do Our best to help You quickly.
CREDIT DISPUTES: If You believe that any information about Your Loan that We have furnished to a consumer reporting
agency is inaccurate, contact Us immediately by writing to Us at Estuary Funding, PO Box 11202, Santa Rosa, CA 95406
or emailing Us at [email protected]. In Your letter (i) provide Your name and loan number, (ii) identify the
specific information that is being disputed, (iii) explain the basis for the dispute and (iv) provide any supporting
documentation You have that substantiates the basis of the dispute.
IDENTITY THEFT: If You believe that You have been the victim of identity theft, You must submit a completed and
signed identity theft affidavit to Us. Please contact Our customer service department by phone at 844-530-2788 or by
e-mail to [email protected] to obtain an affidavit form for this purpose.
ASSIGNMENT: This Loan Agreement may not be assigned by You. We may assign or transfer this Loan Agreement and
Our related rights and obligations without notice to You and Your consent is not required if We make such an assignment
or transfer. If We make such an assignment or transfer, Our related rights and obligations transfer to an assignee, who
may continue to collect payments from You as set forth in this Loan Agreement.
DEFAULT: You will be in default under this Agreement if You do not make a scheduled payment or pay any other amounts
You owe Us when due, or if Your chosen payment method is stopped, denied or otherwise dishonored. If You default on
Your Loan, We can choose to declare all principal, finance charges and other amounts that You owe Us to be immediately
due and payable in full. If You are in default and You authorized debits from Your Bank Account or Debit Card, You agree
that We can debit Your Bank Account or Debit Card for the full amount that You owe Us. We may submit Your account to a
collection agency and We may also report the incident to a consumer reporting agency database. This may negatively
impact Your credit report, and/or Your ability to receive loans or advances from other companies.
CONSEQUENCES OF DEFAULT: Upon a default by You under this Agreement, We may take any one or more of the
following actions:
a) Agree to permit You to cure a payment default before Your account goes into collection by modifying Your Payment Schedule
and/or payment amounts (a “Cure Arrangement”). This option is not available for all customers and/or all loan products. If We
agree to a Cure Arrangement and You fail to honor its terms, then We will have the right, at Our sole discretion, to terminate
the Cure Arrangement and immediately and without notice declare the entire unpaid 5
principal balance and all accrued unpaid finance charge(s) and fees immediately due under Your Loan (“Accelerate
Your Loan”) ;
b) without further action or notice Accelerate Your Loan and require You to immediately pay Us all amounts due and owing
pursuant to such acceleration; and
partial prepayment, You will continue to make remaining payments on Your Loan on the dates and in the amounts set
forth in Your Payment Schedule until Your Loan is repaid in full. If You wish to prepay Your loan in full, then You must
contact a customer service representative by phone at 844-530-2788 or e-mail to [email protected] to
obtain an accurate payoff amount and either provide Us with authorization to affect a debit entry to Your Bank Account or
Debit Card for the full amount, or otherwise advise Us of Your intended method of prepayment.
REFUSED INSTRUMENT CHARGE: If any payment is denied, returned, or otherwise dishonored due to insufficient
funds, a closed account, or a stop payment order, then You agree to pay Us a fee of $25. If You authorized debits from
either Your Bank Account or Debit Card in Your Disbursement and Payment Choice Authorization, You agree that We may
debit Your Bank Account or Debit Card as applicable, for any refused instrument charges. Your refused instrument may
also cause Your payment to be late which could result in Your having to also pay a late fee.
LATE FEE: If We receive any payment due from You to Us three (3) or more days after the Payment Due Date, as a result
of a refused, returned or dishonored instrument, or due to a check received after the Payment Due Date, or for any other
reason, You may be charged a late fee of $25. If You authorized debits from either Your Bank Account or Debit Card in
Your Disbursement and Payment Choice Authorization, You agree that We may debit Your Bank Account or Debit Card, as
applicable, for any late fee.
CUSTOMER SERVICE: Please direct any questions or issues to Our customer service department, in writing to
[email protected] or by phone to 844-530-2788, and We will do Our best to help You quickly.
CREDIT DISPUTES: If You believe that any information about Your Loan that We have furnished to a consumer reporting
agency is inaccurate, contact Us immediately by writing to Us at Estuary Funding, PO Box 11202, Santa Rosa, CA 95406
or emailing Us at [email protected]. In Your letter (i) provide Your name and loan number, (ii) identify the
specific information that is being disputed, (iii) explain the basis for the dispute and (iv) provide any supporting
documentation You have that substantiates the basis of the dispute.
IDENTITY THEFT: If You believe that You have been the victim of identity theft, You must submit a completed and
signed identity theft affidavit to Us. Please contact Our customer service department by phone at 844-530-2788 or by
e-mail to [email protected] to obtain an affidavit form for this purpose.
ASSIGNMENT: This Loan Agreement may not be assigned by You. We may assign or transfer this Loan Agreement and
Our related rights and obligations without notice to You and Your consent is not required if We make such an assignment
or transfer. If We make such an assignment or transfer, Our related rights and obligations transfer to an assignee, who
may continue to collect payments from You as set forth in this Loan Agreement.
DEFAULT: You will be in default under this Agreement if You do not make a scheduled payment or pay any other amounts
You owe Us when due, or if Your chosen payment method is stopped, denied or otherwise dishonored. If You default on
Your Loan, We can choose to declare all principal, finance charges and other amounts that You owe Us to be immediately
due and payable in full. If You are in default and You authorized debits from Your Bank Account or Debit Card, You agree
that We can debit Your Bank Account or Debit Card for the full amount that You owe Us. We may submit Your account to a
collection agency and We may also report the incident to a consumer reporting agency database. This may negatively
impact Your credit report, and/or Your ability to receive loans or advances from other companies.
CONSEQUENCES OF DEFAULT: Upon a default by You under this Agreement, We may take any one or more of the
following actions:
a) Agree to permit You to cure a payment default before Your account goes into collection by modifying Your Payment Schedule
and/or payment amounts (a “Cure Arrangement”). This option is not available for all customers and/or all loan products. If We
agree to a Cure Arrangement and You fail to honor its terms, then We will have the right, at Our sole discretion, to terminate
the Cure Arrangement and immediately and without notice declare the entire unpaid 5
principal balance and all accrued unpaid finance charge(s) and fees immediately due under Your Loan (“Accelerate
Your Loan”) ;
b) without further action or notice Accelerate Your Loan and require You to immediately pay Us all amounts due and owing
pursuant to such acceleration; and
c) Pursue all legally available means to collect what You owe Us.
By electing any one of these options, We do not waive or release Our right to subsequently elect and apply any other
options to collect the amounts due and owing to Us.
GOVERNING LAW: Tribal and federal law will govern this Loan Agreement, without regard to the laws of any state,
including the conflict of laws rules of any state. You agree to be bound by Tribal and federal law, and in the event You
have a bona fide complaint or grievance (“Dispute”), Tribal law and federal law shall exclusively apply to such Dispute.
Notwithstanding the provision in the preceding paragraph with respect to applicable substantive law, any arbitration
conducted pursuant to the terms of this agreement shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1- 16).
SITUS OF THE LOAN AGREEMENT: The parties agree that this Loan Agreement is made and accepted within the
jurisdiction of the Kashia Band of Pomo Indians, a sovereign Indian tribe located in the United States, regardless of Your
home state or relationship to the Tribe or its territory.
SOVEREIGN IMMUNITY: We are funding Your Loan and entering this Loan Agreement in Our capacity as a wholly owned
economic arm and instrumentality of the Kashia Band of Pomo Indians of the Stewarts Point Rancheria, a federally
recognized Indian tribe that, along with its governmental departments, agencies and businesses, possesses sovereign
immunity from unconsented suit. Because We, Kashia Services and the Tribe are protected by sovereign immunity, You
will be limited as to what claims, if any, You may be able to assert against the Us, Kashia Services, the Tribe, and any of
Our officers, directors, employees, or agents acting in their official capacity. In particular, no legal action may be brought
in any court against Us, Kashia Services, the Tribe, or any of Our officers, directors, employees, or agents acting in their
official capacity without express written consent. However, to encourage the resolution of consumer complaints, the Tribe
has approved the Voluntary Informal Dispute Resolution Procedures and Mandatory Arbitration provision described below.
LIMITED WAIVER OF SOVEREIGN IMMUNITY: Estuary Funding hereby waives its sovereign immunity for the limited
purpose of enabling Mandatory Arbitration. This limited sovereign immunity waiver applies only to an arbitration initiated
by You, and no other person or entity, against Estuary Funding and no other person or entity, to resolve a Dispute arising
from or related to Your Loan or this Agreement under the terms and conditions described below.
VOLUNTARY INFORMAL DISPUTE RESOLUTION PROCEDURES
As an accommodation to consumers, the Tribe has established the following Voluntary Informal Dispute Resolution
Procedures to enable You to raise a Dispute arising from or related to this Loan Agreement and have it heard and resolved
in a prompt and fair manner.
VOLUNTARY INFORMAL DISPUTE RESOLUTION: If You have a Dispute concerning Your Loan or any aspect of this
Agreement, You may contact a customer service representative by telephone at 844-530-2788 or in writing via e-mail to
[email protected] . We will make Our best effort to resolve Your Dispute within seven (7) days. If You are
dissatisfied with Our response, You may submit a written request for review to the Board of Directors of Kashia Services
by mail to Estuary Funding, Attn: Dispute Resolution, PO Box 11202, Santa Rosa, CA 95406 or e-mail to
[email protected]. To ensure a timely response, the Board should receive Your written request for review within
fifteen (15) business days, but not later than sixty (60) days, after You receive a response to Your initial Dispute from
Customer Service. The Board will make its best effort to respond to Your Dispute within ten (10) business days thereafter.
6
MANDATORY ARBITRATION
THIS SECTION AFFECTS YOUR RIGHTS. PLEASE READ CAREFULLY BEFORE AGREEING TO THESE TERMS.
ARBITRATION: You and We hereby agree that any Dispute arising from or relating to Your Loan or this Agreement that
is not resolved through the Voluntary Informal Dispute Resolution Procedures described above shall be resolved through
binding arbitration. While We encourage resolution of disputes through the Voluntary Informal Dispute Resolution
Procedures, You may, at any time, choose to have Your Dispute resolved by binding arbitration under the Consumer
Arbitration Rules (“the Consumer Rules”) of the American Arbitration Association (“AAA”) (1-800-778-7879; www.adr.org)
By electing any one of these options, We do not waive or release Our right to subsequently elect and apply any other
options to collect the amounts due and owing to Us.
GOVERNING LAW: Tribal and federal law will govern this Loan Agreement, without regard to the laws of any state,
including the conflict of laws rules of any state. You agree to be bound by Tribal and federal law, and in the event You
have a bona fide complaint or grievance (“Dispute”), Tribal law and federal law shall exclusively apply to such Dispute.
Notwithstanding the provision in the preceding paragraph with respect to applicable substantive law, any arbitration
conducted pursuant to the terms of this agreement shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1- 16).
SITUS OF THE LOAN AGREEMENT: The parties agree that this Loan Agreement is made and accepted within the
jurisdiction of the Kashia Band of Pomo Indians, a sovereign Indian tribe located in the United States, regardless of Your
home state or relationship to the Tribe or its territory.
SOVEREIGN IMMUNITY: We are funding Your Loan and entering this Loan Agreement in Our capacity as a wholly owned
economic arm and instrumentality of the Kashia Band of Pomo Indians of the Stewarts Point Rancheria, a federally
recognized Indian tribe that, along with its governmental departments, agencies and businesses, possesses sovereign
immunity from unconsented suit. Because We, Kashia Services and the Tribe are protected by sovereign immunity, You
will be limited as to what claims, if any, You may be able to assert against the Us, Kashia Services, the Tribe, and any of
Our officers, directors, employees, or agents acting in their official capacity. In particular, no legal action may be brought
in any court against Us, Kashia Services, the Tribe, or any of Our officers, directors, employees, or agents acting in their
official capacity without express written consent. However, to encourage the resolution of consumer complaints, the Tribe
has approved the Voluntary Informal Dispute Resolution Procedures and Mandatory Arbitration provision described below.
LIMITED WAIVER OF SOVEREIGN IMMUNITY: Estuary Funding hereby waives its sovereign immunity for the limited
purpose of enabling Mandatory Arbitration. This limited sovereign immunity waiver applies only to an arbitration initiated
by You, and no other person or entity, against Estuary Funding and no other person or entity, to resolve a Dispute arising
from or related to Your Loan or this Agreement under the terms and conditions described below.
VOLUNTARY INFORMAL DISPUTE RESOLUTION PROCEDURES
As an accommodation to consumers, the Tribe has established the following Voluntary Informal Dispute Resolution
Procedures to enable You to raise a Dispute arising from or related to this Loan Agreement and have it heard and resolved
in a prompt and fair manner.
VOLUNTARY INFORMAL DISPUTE RESOLUTION: If You have a Dispute concerning Your Loan or any aspect of this
Agreement, You may contact a customer service representative by telephone at 844-530-2788 or in writing via e-mail to
[email protected] . We will make Our best effort to resolve Your Dispute within seven (7) days. If You are
dissatisfied with Our response, You may submit a written request for review to the Board of Directors of Kashia Services
by mail to Estuary Funding, Attn: Dispute Resolution, PO Box 11202, Santa Rosa, CA 95406 or e-mail to
[email protected]. To ensure a timely response, the Board should receive Your written request for review within
fifteen (15) business days, but not later than sixty (60) days, after You receive a response to Your initial Dispute from
Customer Service. The Board will make its best effort to respond to Your Dispute within ten (10) business days thereafter.
6
MANDATORY ARBITRATION
THIS SECTION AFFECTS YOUR RIGHTS. PLEASE READ CAREFULLY BEFORE AGREEING TO THESE TERMS.
ARBITRATION: You and We hereby agree that any Dispute arising from or relating to Your Loan or this Agreement that
is not resolved through the Voluntary Informal Dispute Resolution Procedures described above shall be resolved through
binding arbitration. While We encourage resolution of disputes through the Voluntary Informal Dispute Resolution
Procedures, You may, at any time, choose to have Your Dispute resolved by binding arbitration under the Consumer
Arbitration Rules (“the Consumer Rules”) of the American Arbitration Association (“AAA”) (1-800-778-7879; www.adr.org)
or the Streamlined Arbitration Rules and Procedures of JAMS (1-800-352-5267; https://www.jamsadr.com).
The arbitration will be governed by the chosen arbitration organization’s rules and procedures applicable to consumer
disputes, to the extent that those rules and procedures do not contradict the law of the Kashia Band of Pomo Indians,
federal law, or the express terms of this Loan Agreement, and the arbitrator shall apply Tribal law and federal law. The
arbitration proceeding shall take place in a location of Your choosing and may be attended remotely by telephone or
videoconference. Regardless of the outcome of the arbitration, We will be solely responsible to pay the arbitrator’s fees.
You and We agree that the arbitrator appointed will have a minimum of five years of active practice or other relevant
professional experience in American Indian Law unless the chosen arbitration organization is unable to provide any
arbitrators with such experience.
The words “Dispute” and “Disputes” are given the broadest possible meaning and include, without limitation (a) all claims,
disputes, or controversies arising from or relating directly or indirectly to this Tribal Dispute Resolution Provision, (“this
Provision”), the validity and scope of this Provision and any claim or attempt to set aside this Provision; (b) all U.S. federal
or state law claims, disputes or controversies, arising from or relating directly or indirectly to this Loan Agreement, the
information You gave Us before entering into this Loan Agreement, including the customer information application, and/or
any past Loan Agreement or Agreements between You and Us; (c) all counterclaims, cross-claims and third-party claims;
(d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a
violation of any state or federal constitution, statute or regulation; (f) all claims asserted by Us against You, including
claims for money damages to collect any sum We claim You owe Us; (g) all claims asserted by You individually against the
Tribe, Kashia Services, Us and/or any of Our employees, agents, directors, officers, governors, managers, members,
parent company or affiliated entities (collectively, “related third parties”), including claims for money damages and/or
equitable or injunctive relief; (h) all claims asserted on Your behalf by another person; (i) all claims asserted by You as a
private attorney general, as a representative and member of a class of persons, or in any other representative capacity,
against Us and/or related third parties (“Representative Claims”) ; and/or (j) all claims arising from or relating directly or
indirectly to the disclosure by Us or related third parties of any non-public personal information about You.
All Disputes shall be resolved by the procedures described above only on an individual basis.
This Provision is binding upon and benefits You, Your respective heirs, successors and assigns. This Provision is binding
upon and benefits Us, Kashia Services, the Tribe, and Our successors and assigns, and related third parties. This Provision
continues in full force and effect, even if Your obligations have been paid or discharged through bankruptcy. This Provision
survives any cancellation, termination, amendment, expiration or performance of any transaction between You and Us and
continues in full force and effect unless You and We otherwise agree in writing.
YOU UNDERSTAND AND ACKNOWLEDGE THAT YOUR AGREEMENT TO THE ABOVE MANDATORY ARBITRATION
PROVISION MEANS THAT:
* YOUR RIGHT TO FILE SUIT IN COURT AGAINST US FOR ANY CLAIM OR DISPUTE REGARDING THIS
AGREEMENT IS LIMITED BY THIS PROVISION AND OUR SOVEREIGN IMMUNITY.
* YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT RESOLVE ANY DISPUTE ALLEGED AGAINST US OR
RELATED THIRD PARTIES;
* YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST
US OR RELATED THIRD PARTIES; AND
7
* YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL,
OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF
CLAIMANTS, IN ANY LAWSUIT OR ARBITRATION FILED AGAINST US AND/OR RELATED THIRD PARTIES.
RIGHT TO OPT OUT: If You do not want this Mandatory Arbitration provision to apply, You may opt out by sending Us a
signed written notice, within 30 calendar days after You sign this Agreement, to Estuary Funding, Attn: Arbitration Opt
Out, PO Box 11202, Santa Rosa, CA 95406. Your notice must provide Your name, address and loan number and state that
You “opt out” of the Mandatory Arbitration provision. Opting out will not affect the other provisions of this Agreement. If
You opt out, such opt out will apply only to this Agreement.
CONSENT TO RECEIVE OPERATIONAL TEXT MESSAGES: As used in this text consent, “Text Message” means any text
messaging communication from Us to You pertaining to Your loan, including but not limited to payment information,
The arbitration will be governed by the chosen arbitration organization’s rules and procedures applicable to consumer
disputes, to the extent that those rules and procedures do not contradict the law of the Kashia Band of Pomo Indians,
federal law, or the express terms of this Loan Agreement, and the arbitrator shall apply Tribal law and federal law. The
arbitration proceeding shall take place in a location of Your choosing and may be attended remotely by telephone or
videoconference. Regardless of the outcome of the arbitration, We will be solely responsible to pay the arbitrator’s fees.
You and We agree that the arbitrator appointed will have a minimum of five years of active practice or other relevant
professional experience in American Indian Law unless the chosen arbitration organization is unable to provide any
arbitrators with such experience.
The words “Dispute” and “Disputes” are given the broadest possible meaning and include, without limitation (a) all claims,
disputes, or controversies arising from or relating directly or indirectly to this Tribal Dispute Resolution Provision, (“this
Provision”), the validity and scope of this Provision and any claim or attempt to set aside this Provision; (b) all U.S. federal
or state law claims, disputes or controversies, arising from or relating directly or indirectly to this Loan Agreement, the
information You gave Us before entering into this Loan Agreement, including the customer information application, and/or
any past Loan Agreement or Agreements between You and Us; (c) all counterclaims, cross-claims and third-party claims;
(d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a
violation of any state or federal constitution, statute or regulation; (f) all claims asserted by Us against You, including
claims for money damages to collect any sum We claim You owe Us; (g) all claims asserted by You individually against the
Tribe, Kashia Services, Us and/or any of Our employees, agents, directors, officers, governors, managers, members,
parent company or affiliated entities (collectively, “related third parties”), including claims for money damages and/or
equitable or injunctive relief; (h) all claims asserted on Your behalf by another person; (i) all claims asserted by You as a
private attorney general, as a representative and member of a class of persons, or in any other representative capacity,
against Us and/or related third parties (“Representative Claims”) ; and/or (j) all claims arising from or relating directly or
indirectly to the disclosure by Us or related third parties of any non-public personal information about You.
All Disputes shall be resolved by the procedures described above only on an individual basis.
This Provision is binding upon and benefits You, Your respective heirs, successors and assigns. This Provision is binding
upon and benefits Us, Kashia Services, the Tribe, and Our successors and assigns, and related third parties. This Provision
continues in full force and effect, even if Your obligations have been paid or discharged through bankruptcy. This Provision
survives any cancellation, termination, amendment, expiration or performance of any transaction between You and Us and
continues in full force and effect unless You and We otherwise agree in writing.
YOU UNDERSTAND AND ACKNOWLEDGE THAT YOUR AGREEMENT TO THE ABOVE MANDATORY ARBITRATION
PROVISION MEANS THAT:
* YOUR RIGHT TO FILE SUIT IN COURT AGAINST US FOR ANY CLAIM OR DISPUTE REGARDING THIS
AGREEMENT IS LIMITED BY THIS PROVISION AND OUR SOVEREIGN IMMUNITY.
* YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT RESOLVE ANY DISPUTE ALLEGED AGAINST US OR
RELATED THIRD PARTIES;
* YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST
US OR RELATED THIRD PARTIES; AND
7
* YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL,
OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF
CLAIMANTS, IN ANY LAWSUIT OR ARBITRATION FILED AGAINST US AND/OR RELATED THIRD PARTIES.
RIGHT TO OPT OUT: If You do not want this Mandatory Arbitration provision to apply, You may opt out by sending Us a
signed written notice, within 30 calendar days after You sign this Agreement, to Estuary Funding, Attn: Arbitration Opt
Out, PO Box 11202, Santa Rosa, CA 95406. Your notice must provide Your name, address and loan number and state that
You “opt out” of the Mandatory Arbitration provision. Opting out will not affect the other provisions of this Agreement. If
You opt out, such opt out will apply only to this Agreement.
CONSENT TO RECEIVE OPERATIONAL TEXT MESSAGES: As used in this text consent, “Text Message” means any text
messaging communication from Us to You pertaining to Your loan, including but not limited to payment information,
account information, due dates, delinquent accounts, and program updates relating to Your loan, but excluding advertising
or telemarketing Text Messages. All Text Messages from Us in electronic format to You will be considered “in writing.”
How to Unsubscribe: You may withdraw Your consent to receive Operational Text Messages by calling Us at 844-
530-2788 or emailing Us at [email protected]. At Our option, We may treat Your provision of an invalid
mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of Your
consent to receive Text Messages. We will not impose any fee upon You to process the withdrawal of Your consent to
receive Operational Text Messages. Any withdrawal of Your consent to use Text Messages will be effective only after We
have a reasonable period of time to process Your withdrawal.
In order to access, view, and retain Text Messages that We make available to You, You must have: (1) a Text Message
capable mobile phone, (2) an active mobile phone account with a communication service provider; and (3) sufficient
storage capacity on Your mobile phone.
To request additional information, contact Us by telephone at 844-530-2788.
These services are available from most of the carriers that offer Text Messaging. Consult Your mobile service carrier to
confirm that they offer Text Messaging.
We do not charge fees for Text Messages but You are responsible for all charges imposed by Your communications service
provider, such as fees associated with Text Messaging. Consult Your mobile service carrier’s pricing plan to determine the
charges for sending and receiving Text Messages. These charges will appear on Your phone bill. Message frequency
depends on account settings.
You agree that We may send any Operational Text Messages related to Your loan through Your communication service
provider in order to deliver them to You and that Your communication service provider is acting as Your agent in this
capacity. You agree to indemnify, defend and hold Us harmless from and against all claims, losses, liability, cost and
expenses (including reasonable attorneys’ fees) arising from Your provision of a mobile phone number that is not Your
own or Your violation of applicable federal, state or local law, regulation or ordinance relating to Text Messages. Your
obligation under this paragraph shall survive termination of this Loan Agreement. You agree that Text Messages are
provided for Your convenience only.
Receipt of each Text Message may be delayed or impacted by factors pertaining to Your communications service provider.
We will not be liable for losses or damages arising from any disclosure of account information to third parties,
non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the Text Messages sent by
Us
We may modify or terminate Our Operational Text Messaging services from time to time, for any reason, with or without
notice, and without liability to You, any other user or third party.
CONSENT TO RECEIVE ADVERTISING AND TELEMARKETING MESSAGES:
By checking this box, You expressly consent to receive advertising and telemarketing messages from and on behalf of Us,
including but not limited to phone calls made with an auto dialer or prerecorded voice or SMS text messages, at the
following telephone number: 307-622-7307. Message and/or data rates may apply; please check with your carrier
8
for more information. You understand that you may receive up to five (5) text messages per month. For more
information how We utilize your contact information, please see our Privacy Policy at the end of this Agreement. You are
not required to consent to advertising or telemarketing text messages or calls to obtain credit or other services from Us.
Regardless of whether you consent here, We may still contact you by other methods allowed by law.
Opting Out of Advertising and Telemarketing Messages: At any time, You may withdraw Your consent to receive
advertising or telemarketing messages by calling Us at 844-530-2788 or emailing Us at [email protected].
If You wish to stop receiving all text messages including not only advertising and or telemarketing messages, but also
operational messages with information about payment due dates or missed payments, type “STOP ALL” in the reply text
You send to Us. Any withdrawal of Your consent to receive such text messages will be effective after 24 hours from receipt
of such message.
or telemarketing Text Messages. All Text Messages from Us in electronic format to You will be considered “in writing.”
How to Unsubscribe: You may withdraw Your consent to receive Operational Text Messages by calling Us at 844-
530-2788 or emailing Us at [email protected]. At Our option, We may treat Your provision of an invalid
mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of Your
consent to receive Text Messages. We will not impose any fee upon You to process the withdrawal of Your consent to
receive Operational Text Messages. Any withdrawal of Your consent to use Text Messages will be effective only after We
have a reasonable period of time to process Your withdrawal.
In order to access, view, and retain Text Messages that We make available to You, You must have: (1) a Text Message
capable mobile phone, (2) an active mobile phone account with a communication service provider; and (3) sufficient
storage capacity on Your mobile phone.
To request additional information, contact Us by telephone at 844-530-2788.
These services are available from most of the carriers that offer Text Messaging. Consult Your mobile service carrier to
confirm that they offer Text Messaging.
We do not charge fees for Text Messages but You are responsible for all charges imposed by Your communications service
provider, such as fees associated with Text Messaging. Consult Your mobile service carrier’s pricing plan to determine the
charges for sending and receiving Text Messages. These charges will appear on Your phone bill. Message frequency
depends on account settings.
You agree that We may send any Operational Text Messages related to Your loan through Your communication service
provider in order to deliver them to You and that Your communication service provider is acting as Your agent in this
capacity. You agree to indemnify, defend and hold Us harmless from and against all claims, losses, liability, cost and
expenses (including reasonable attorneys’ fees) arising from Your provision of a mobile phone number that is not Your
own or Your violation of applicable federal, state or local law, regulation or ordinance relating to Text Messages. Your
obligation under this paragraph shall survive termination of this Loan Agreement. You agree that Text Messages are
provided for Your convenience only.
Receipt of each Text Message may be delayed or impacted by factors pertaining to Your communications service provider.
We will not be liable for losses or damages arising from any disclosure of account information to third parties,
non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the Text Messages sent by
Us
We may modify or terminate Our Operational Text Messaging services from time to time, for any reason, with or without
notice, and without liability to You, any other user or third party.
CONSENT TO RECEIVE ADVERTISING AND TELEMARKETING MESSAGES:
By checking this box, You expressly consent to receive advertising and telemarketing messages from and on behalf of Us,
including but not limited to phone calls made with an auto dialer or prerecorded voice or SMS text messages, at the
following telephone number: 307-622-7307. Message and/or data rates may apply; please check with your carrier
8
for more information. You understand that you may receive up to five (5) text messages per month. For more
information how We utilize your contact information, please see our Privacy Policy at the end of this Agreement. You are
not required to consent to advertising or telemarketing text messages or calls to obtain credit or other services from Us.
Regardless of whether you consent here, We may still contact you by other methods allowed by law.
Opting Out of Advertising and Telemarketing Messages: At any time, You may withdraw Your consent to receive
advertising or telemarketing messages by calling Us at 844-530-2788 or emailing Us at [email protected].
If You wish to stop receiving all text messages including not only advertising and or telemarketing messages, but also
operational messages with information about payment due dates or missed payments, type “STOP ALL” in the reply text
You send to Us. Any withdrawal of Your consent to receive such text messages will be effective after 24 hours from receipt
of such message.
CONSENT TO RECEIVE ADVERTISING AND TELEMARKETING MESSAGES:
[ ] By checking this box, You expressly consent to receive advertising and telemarketing messages from and on behalf of Us,
including but not limited to phone calls made with an auto dialer or prerecorded voice or SMS text messages, at the following
telephone number: 307-622-7307. Message and/or data rates may apply; please check with your carrier for more information. You
understand that you may receive up to five (5) text messages per month. For more information how We utilize your contact
information, please see our Privacy Policy at the end of this Agreement. You are not required to consent to advertising or
telemarketing text messages or calls to obtain credit or other services from us.
At any time, You may withdraw Your consent to receive advertising or telemarketing messages by calling Us at 844-530-2788 or
emailing Us at [email protected]. For help, text ‘HELP’ to 844-530-2788. To opt out of all messages, reply ‘STOP ALL’.
SIGNATURE AND ACCEPTANCE OF ALL TERMS AND CONDITIONS
BY ENTERING YOUR NAME AND CLICKING THE “I AGREE” BUTTON BELOW, YOU ARE ELECTRONICALLY
SIGNING THIS LOAN AGREEMENT AND AGREEING TO ALL THE TERMS OF THIS LOAN AGREEMENT INCLUDING:
*THE VOLUNTARY INFORMAL DISPUTE RESOLUTION AND MANDATORY ARBITRATION PROVISIONS
*THE CONSENT TO ELECTRONIC COMMUNICATIONS
*THE CONSENT TO RECEIVE OPERATIONAL TEXT MESSAGES
YOU ALSO ACKNOWLEDGE YOUR ABILITY TO DOWNLOAD OR PRINT A FULLY COMPLETED COPY OF THIS
LOAN AGREEMENT FOR YOUR RECORDS.
Tirah Chitty (IP: 74.244.11.215)
Date: 2/27/2026
[ ] By checking this box, You expressly consent to receive advertising and telemarketing messages from and on behalf of Us,
including but not limited to phone calls made with an auto dialer or prerecorded voice or SMS text messages, at the following
telephone number: 307-622-7307. Message and/or data rates may apply; please check with your carrier for more information. You
understand that you may receive up to five (5) text messages per month. For more information how We utilize your contact
information, please see our Privacy Policy at the end of this Agreement. You are not required to consent to advertising or
telemarketing text messages or calls to obtain credit or other services from us.
At any time, You may withdraw Your consent to receive advertising or telemarketing messages by calling Us at 844-530-2788 or
emailing Us at [email protected]. For help, text ‘HELP’ to 844-530-2788. To opt out of all messages, reply ‘STOP ALL’.
SIGNATURE AND ACCEPTANCE OF ALL TERMS AND CONDITIONS
BY ENTERING YOUR NAME AND CLICKING THE “I AGREE” BUTTON BELOW, YOU ARE ELECTRONICALLY
SIGNING THIS LOAN AGREEMENT AND AGREEING TO ALL THE TERMS OF THIS LOAN AGREEMENT INCLUDING:
*THE VOLUNTARY INFORMAL DISPUTE RESOLUTION AND MANDATORY ARBITRATION PROVISIONS
*THE CONSENT TO ELECTRONIC COMMUNICATIONS
*THE CONSENT TO RECEIVE OPERATIONAL TEXT MESSAGES
YOU ALSO ACKNOWLEDGE YOUR ABILITY TO DOWNLOAD OR PRINT A FULLY COMPLETED COPY OF THIS
LOAN AGREEMENT FOR YOUR RECORDS.
Tirah Chitty (IP: 74.244.11.215)
Date: 2/27/2026
9
DISBURSEMENT AND PAYMENT CHOICE AUTHORIZATION
(REVIEW VERY CAREFULLY BEFORE EXECUTING)
By electronically signing this Disbursement and Payment Choice Authorization (“Authorization”), you agree to make
payments in accordance with this Authorization and your Loan Agreement with us dated 03/02/2026 (the “Loan
Agreement”). This Authorization is a part of and relates to the Loan Agreement. The words “you” and “your” mean the
borrower who has electronically signed this Authorization. The words “we”, “us” and “our” mean Estuary Funding, and our
successors and assigns.
Loan Funding Options:
Electronic Funds Transfer Disbursement. You authorize your loan proceeds to be credited at no charge to your
Bank Account or Debit Card below on or before the Effective Date of your Loan Agreement. If you revoke this
Authorization before we credit the loan proceeds, then we will not be able to deposit the loan proceeds into your Bank
Account or onto your Debit Card.
Instant Funding Disbursement to Your Debit Card. You request your loan proceeds be credited on an expedited
basis to your Debit Card. You understand that you will be charged $10 for this instant funding option
If you do not elect instant funding or it is not available for you, then you authorize your loan proceeds to be credited at no
charge to your Bank Account or Debit Card below on or before the Effective Date of your Loan Agreement, provided the
Authorization is still in effect.
Loan Payment Options (check all applicable boxes):
DISBURSEMENT AND PAYMENT CHOICE AUTHORIZATION
(REVIEW VERY CAREFULLY BEFORE EXECUTING)
By electronically signing this Disbursement and Payment Choice Authorization (“Authorization”), you agree to make
payments in accordance with this Authorization and your Loan Agreement with us dated 03/02/2026 (the “Loan
Agreement”). This Authorization is a part of and relates to the Loan Agreement. The words “you” and “your” mean the
borrower who has electronically signed this Authorization. The words “we”, “us” and “our” mean Estuary Funding, and our
successors and assigns.
Loan Funding Options:
Electronic Funds Transfer Disbursement. You authorize your loan proceeds to be credited at no charge to your
Bank Account or Debit Card below on or before the Effective Date of your Loan Agreement. If you revoke this
Authorization before we credit the loan proceeds, then we will not be able to deposit the loan proceeds into your Bank
Account or onto your Debit Card.
Instant Funding Disbursement to Your Debit Card. You request your loan proceeds be credited on an expedited
basis to your Debit Card. You understand that you will be charged $10 for this instant funding option
If you do not elect instant funding or it is not available for you, then you authorize your loan proceeds to be credited at no
charge to your Bank Account or Debit Card below on or before the Effective Date of your Loan Agreement, provided the
Authorization is still in effect.
Loan Payment Options (check all applicable boxes):
Automatic Electronic Funds Transfer (EFT) Payment
Select Primary EFT option (If you select ACH and also provide debit card information, then your debit card will be
the secondary payment method as set forth below):
Bank Account via ACH
Debit Card
Cashier’s Check or Money Order
Bank Account information:
Bank Account Name: SUNFLOWER BANK, N.A.
Transit ABA Number: 101100621
Deposit Account Number: 1100027929
Debit Card information:
Debit Card Number: 47**********8494
Debit Card Expiration: 01/29
Debit Card Type: Debit Card
10
Your Payment Schedule. The payments below reflect those in your Loan Agreement.
Number of
PaymentsPayment Due Payment Date
1 $87.49 03/20/2026
1 $68.13 04/03/2026
1 $68.13 04/17/2026
1 $68.13 05/01/2026
1 $68.13 05/15/2026
1 $68.13 05/29/2026
1 $68.13 06/12/2026
1 $68.13 06/26/2026
1 $68.13 07/10/2026
1 $68.13 07/24/2026
1 $68.13 08/07/2026
1 $68.13 08/21/2026
1 $68.13 09/04/2026
Select Primary EFT option (If you select ACH and also provide debit card information, then your debit card will be
the secondary payment method as set forth below):
Bank Account via ACH
Debit Card
Cashier’s Check or Money Order
Bank Account information:
Bank Account Name: SUNFLOWER BANK, N.A.
Transit ABA Number: 101100621
Deposit Account Number: 1100027929
Debit Card information:
Debit Card Number: 47**********8494
Debit Card Expiration: 01/29
Debit Card Type: Debit Card
10
Your Payment Schedule. The payments below reflect those in your Loan Agreement.
Number of
PaymentsPayment Due Payment Date
1 $87.49 03/20/2026
1 $68.13 04/03/2026
1 $68.13 04/17/2026
1 $68.13 05/01/2026
1 $68.13 05/15/2026
1 $68.13 05/29/2026
1 $68.13 06/12/2026
1 $68.13 06/26/2026
1 $68.13 07/10/2026
1 $68.13 07/24/2026
1 $68.13 08/07/2026
1 $68.13 08/21/2026
1 $68.13 09/04/2026