Talbot Bank Business Manager Program

. - Enablixhed 1385 November 1 3, 1 998 Beckett at Brown international 3 Church Circle Ste. 20? - . Annapolis, ME) 2140 Hear Sir: I Would like to confirm the Eiusiness Manager Meeting scheduled for Monday. November 23, 1 998'. The meeting be held at the Tred-Avon?Branch of the Talbot . Bank at 11 :1 5 AM. Mr. Michael Harrison, a representative of Private Business, me. will be meeting along with. us. Please have a copy of your receivables at the meeting and be prepared to give'an estimate ofthe average turn time for your - receivables. - The Business Manager billing system offers your business cash: up front by I purchasing your receivables; The bank can handlemaillng of statements, receipt - of payments; providing you with management reports as well as saving you both and moneylooking forward to meeting Withyou and are sure it will be worth your while. Please feel free to contact me if you have any questions regarding the time or' subject of' the meeting. . . - Sine . elv1W1 (524% - Charles J. Selle Assistant Vice President - 3.0. Box 949 i Hiatus, 410-322-1400 \li -i-ii I I . -- ?l?r?ii I Bacaerr Baown INTERNATIONAL. INC. mmnomssecumv THREE CHURCH CIRCLE. SUITE 207 ANNAPOLJS. MARYLAND 21401 MILE steam M. seesaw (4 1:318 5-8382 MANAGING DIRECTOR December 29. 1993 DATE: Chuck Selby Talbot Bank as FAX (410) 619-3013 TO: Richard Beckett FROM: SUBJECT: NUMBER OF PAGES, INCLUDING COVER SHEET: MESSAGE: Chuck. I As we discussed. I have attached the invoices we would like to submit under the factoring agreement. WAL information lntended only for the use of the addressee(s) named above. lf the reader of this message is not the intended recipient(s2 or the employee or agent responsible for delivering the messa to the intended recipien (8) please note that any dissemination, distribution or copyln this communication is strictly prohibited. An one who receives this communication in error a bald notify us immediately by telephone and return a original message to us at the above address via the US. Mail. IF YOU DO NOT RECEIVE. ALL THE PAGES OR IF ANY OF THE PAGES ARE CALL THE EENDER AS SOON AS POSSIBLE. - ORIGINAL WILL WILL NOT FOLLOW BY MAIL. 'riI-.Onr . Indwhit 1.F LLJ L5 PA LIJ Ill? r?la. a "mm; . CL. I I I: 3.lj'um. um.? m? ?w mm.? . ?w $333? 4:th Edam; ma?a - mmE? ?ag Em u??mmn ma?a ?macaw mama? mm 8.83% mew?w -m?wap momma; Ema Ma?a ma?a mamm? an Edam mm?nm?? .. an: magamm - ?Swan. .3 Ea?mm 343% a: an Egg $2 - n?nmh?a mm mango Ecwm?? ma?awmm ma?a gw 31 ?gmn? $35 - mama: m?amm gsm?cm $me 343% whim ma?a? mm 3% ?33$ b?umm ?anau ?933$; an; 33% an madmm?w :m Em?a? magnum 34.81% whim 8.3mm 2% 55 En. a Ea 3%3. m. gm um: m?umt mmag?mhm mm?; ma?a 2 83th 3E - ragga mm. 325 -555 Farm $43me $33 wm?? aw Emmfm?m 3m Egan - :5 WE mug?? 5E2: awahmm mamth am mamaum mama: - max: Bab $93 a: - Egg 333% Mmm?mm ma?a: mm Edamth $53 - mat: m?m?mm aE mama 32mm; - $3 :53 5%me 3.3: mm 3.33% ?x - ?gm muam?ua? 348% ma?a?, mm 338$ - mm 3 ?at?nm macaw Emma - E?m apawmm ma?a: E. mad?hmww name; $5 .?mq gm 9.5 mm?? m3ng $33 3.83% mag: - max: 335% ?u?mmu ma?a $33 35: mm 3.8m?m Ewan: - mat: ?83? gamQO 3332 $5qu mama: mm ?m?hwm $523 - a: 85%? mama EE??cm Emma 33% mag: mm 3.35% ?gnaw Em am En. gm??i aim 33?: mm mm?mm?m EF 1 maps? 823 an - gm mhm? $332 mm 33$ ma?a, 93% bug ?ammgh Huang?m} 353$ mm 3.53% $35 ?g 3 uumwamu? m. 5 Ea mun?; 3.3.33 33%. mmam? ga: 32 5a gamma ?aw 35$ mm 3.3mm 83. - 833 man u? HE 35mm mama? mm gamma - ma?a m?pam 5 559% gum $5.3 ma?a mm 3:8ha Egan. ?Ew? - Em Ema 33 Emma - Emah manage mag 53% mama E. 2% ?g and Em?:th Eng .8ng HF .h a ma?a? 2mm scum Emu 353 HEMEEHW m3 moment} Merchant Name Beckett. Brown International. Inc. At the initial funding, the Merchant and Loan ?ffieer are asked to acknowledge, by signing this checklist, that the following statements have been read and understood and that the supporting documentation referred to herein has been provided and received: l. Duly "Valid" receivables are to be purchased by the bank. i.e. where the merchandise has been shipped or the service has been performed prior to ?nding, and purchase orders and pro-billings are not ?valid? receivables. You are making a legal representation to the bank that all receivables assigned and sold to the bank are ?valid? receivables. 2. The bank will monitor invoices, credit memos. and remittances on an our-going basis and conduct audit verifications of amounts owed by account debtors. A sample copy Of an audit veri?cation letter is being shown to you. if the bank?s presence is not being exposed to your customers. audit veri?cation letters will be sent out using either your business cattle and the bank's PD. box. or the following bank veri?cation trade name on your behalf: 3. All remittances are to flow directly to the bank's post office box. and any payrnents received directly by you contractually must be immediately Forwarded to the bank as received and not deposited by you. Labels noting the bank's P20. box number as the new remittance address are being provided to you initially today to get you started. The bank will not buy an invoice unless the correct remittance address has been provided to the coconut debtor. 4. Credit themes of any type must be issued and fomarded to the bank and artist be documented in writing and signed by you. 5. The Process Coordinator has been directed to tier the initial Reserve to compensate for the existing aging of initially purchased receivables. as follows. or as noted on the attached aging: Current es 0-30 it. 31450 6l~90 it: 90+ (if purchased) it? you sell goods (vs. services) or goods and services. the bank will not buy individual invoices exceeding til WA . unless corresponding shipping documents or other proof of delivery and acceptance are attached. 7. The proceeds of this initial funding transaction are being used to satisfy the followrng obligations of the merchant's business. or as otherwise outlined below: pay on line of credit tlusiriesslemgeer is a registered trademark of Private Hminose. llic. the 8. Notice of Validity: The Business has agreed that the are. bona and existing, obligations of Customers of the Business arising out of its sales or services. The Business has also agreed that it will remit to the Bank any remittanees it receives with respect to the no later than the next banking day. Any person who knowingly makes any false statement for the purpoxe of in?uencing the action of an MIC?insured institution upon any apptteatlnn, purchase, purchase agreement or loan commits a crime under 18 USCS guns. and is snbjeet to criminal sanctions. which could include a line at? not more than $1,000,000 and/m- imp?snnment of not more than thirty years. My, . .. .. .t .1. 1.351.?. g, Loan Of?e fl? ngWEEtot Dnt? a registered tradermutc Business, inc. NOTICE 0F VALIDITY - The Business has agreed that its Receivables are bone tide and existing obligations of Customers of the Business arising out of its sales or services. The Business has also agreed that it will remit to the Bank any remittances it receives with respect to its Receivables no later than the nest banking day. Under the Business/Manager Agreement with Businesses and Professionals. submission of ?audulent invoices constitutes fraud under Section 4.1 and will trigger a default of the Agreement under Section 8. Any person who knowingly makes any false statement for the purpose of in?uencing the action of a FDIC-insured institution upon any application, purchase, purchase agreement or loan commits a crime under 18 USES {51014, and is subject to criminal sanctions, which could include a ?ne of not more than $1,000,000.00 and/or imprisonment of not more than thirty years. a. .. .4 I .. ?Wu/e am afe?i 23mm? N/g) Business gx/fv?s' one weasel? 52 me: mm em enomsemmw TO: Whamm: The Telhet: Berth 3 Church Giteleieecem 21601 (the mettle") (the matinee") 'l'hle Amunem is entered late by and between the Bank and the Business te govern the tale ef I: de?ned below, by the te the Beet; The Business emcee tn the fellewing terms according lb whleh. whet: by the Bank, the Business will receive lament he Receivables Idem; ?'ont mice or services to Customers and puxehued by the Baal: mutant to the Bank's Bmmer plate. 1-1 mean: I (heel: Appn?ll?? ?d will! by I Cteteteet and any ether agreement er documentn?e? that govern: the heme end clieeleemee Idem te Receivable. mm men: a xe?eetleg at credit. ether than eredlt arising Rom In It We leceuet with the Bumble?. 1-3 Mum: melee dehter ehligeted an em er mere Receivable: whieh from needs the Buelheu eeltl er etude-e lt rendered he the Custemee. mm of e. Reedveele meme en my dete the balance of much Receivehle (In: takth lute amount. ?than duplication. all payments. returne. eredite, er cf my hem-e at my time muting, granted at outstanding), plus any We imp-need in manee?en with cheh Receivable. 1.5 means an levelce er similar evltlenee (whether he written or eleetrettic ?01m) ef the terms efe nee-cech eele ef gentle er pee-trident ef previously made by the Eminent tn 1 Gwen: 145 cf Receivable eteute the Face Amount of lose the See-nee Cherie. mm: meme ell er the me the Bank. whether te this when; under any eete. mum 311mm er etheewlee. however end whenever matted. mining er whether direct or absolute er eewerhemt?erexls?egerdue. 1-3 means all we. instrument. tights. chattel paper. Wilma Ind Emmi arising ?out the Businme sale of gee-cl: or rendering of nettle-e. end the Element} end all entity and gauntlet therethee. whether new name whet-carter ere-ted. thetere accepted by the Behlt fermhece hereunder in the heme nle end Ibeeltlte 1-9 WW teem the liability ?f the Btu-lees: to the Bank under N5 wait in In ?tenet equal ee any dete he the Flee meet at" Receivables hit that date. plus uttereeye' he (If teem-d) eed med em! meld hem-tee ehergee related te etteh Renalvahlee. 1.10 melee fund: ef the Business need It: peevicle fer the funding of the Repmhm Dhltauien, mm mm the depth ef the Emmett: the We enehllehed pteeuteht te Seetiett 1.5 of Apeement. 13:53 111on met-eusmpaxe?eean 413 we wee Pna?dw 1-11 Willem et?wmequ?mmpnemt mm efthe Face Amount el'neh Reed?ble the em: undue re the Butt that Is enquired by the Benin. The Business telneme that the Smiee Chum in dinette: ?r velue and in nu eveet em?mlee lemma a: a similar diary: ml that the Maui eentemelated under that The Service Ind malty flit mket 1mine diam . 1.1 hummus-ts. Bmieen hmhy mines end all: tn the Bank MW owner, the We all" Interest in me]: efite My neat-emu In dmdbud an attached Exhibit 2.1. well as hm. that at time the total outstanding Fade Menu: of lemme: patch-teed by the Beak exceed 5 Imteeom? when eureedte bytheBeelL The em the Beak wee 111mm 111% Rushed: will MM the ?ank ell melanin; twel?hlel Idling ?an: all males at need: ermvialene te Glutamate ?at-the Bank?s detetmleetlee Receivables; the mullahs dentemplemd by this Agreement Ire mm emanation we lee helm weekend by the Bunk tom the Maiden at I discount; the perm-e and rule efthe mum? ehaelute ?ght. title and eweeuhip til" Ill-Eh Enameled. tenth-r Iwith ell theideete tell bene?t! thereof indwelin lea-viola; right: end Mmemermhemdn The Budneu?mluenellned udgmh?wbmkell efthe or lieehelder, of In related tight: efmme in melt. replevln Ind reel-11ml? and Magenta me Ind deliver eueh further Wants, Meets and eedemeemee may he it: We the huebyeeddaepurpeiee Agreement. 1.3 mm?iu?h te the'Net Anette: thereof. The Net Anette! less the Reserve with the Receivables Ihnll he delivery to the Beak mew Indthe Em have meted upenthe 1.3 mm Busing: will provide the Bank with appropriate Credlt led Agreements. end We hum (?ammable) tn Ill males and sen-lean meeting Menuhin.an melt ef node ?rendering the remain. Ae te the ducan Exhibit 2-1. requires. my levelee: the Btu-lee? may then-unet- and Will clearly ledieete that the related Reedvabluhvnheumm duly. 1.4 ell their mount meter dwine ?n preceding billing puiin tulle" dtherwim mutt by the pal-en. All Cueteme? will be to mice payment! tn pent lame: but eenuelled by the Bank. All payments: melted lienCmtemer will be emailed tn the ebllgetlem of ?ux Cullomerr. Payment will he themed made when by the Bank. All ve?mlens. medl?eedem or ememf?oes ef indebtedness en eeld en the hereunder will he ?3 - JUL-BEHEEIBE 13:53 TFILB-DT eta we BEES nude an! it the Emit. Nothing in thin Agrmmi Iti?torizes the Bushes: in called! Reteivnhiit t?ld to the Bank hem. but in the event the Business do?. it will receive the Benltne [unriBmth? next halting day. The Business will pity tn the Bank my ?ance ensue: inclined by Custnmer mum in the epplienble Credit Applied? and Meemmt at term: of sale hueeune of deity on the Businm'e put in delin mm at Credit Memes tn the Benita 1.5 MI. mpeynblemthe Business an a Reserve. the mt of which the Bank may adjust Emu; time to time in its mouth dinettetlen. to Will for n?sfaotinn of the Eminent: Repurehnee Oban The want a! the 12mm will be equal tn mitt. nt'the Flee Amount nfell Receivables initially mused By the Benin. Thereafter. and neglect in the Bank's right to mutt the Km as set nut nhtwe. the Bank Within elite-em end Ill-nerve: Amuu??t afthe Amount efeii .- Ruelnblee pin-chatted by the Bank ?Elm-Ill? tn in initial mime of the Receivnbieet I - 1.1 mil-Wm with ?ip-net to tiny Receivables ini' with-lit? by Wallet-any partial: of melt Ree-melee dent ?tment: If any minim - - - -- or more ei'meh limit-Veblen remain: unpaid fellewing? deyu utter i . . With respem Filth-tacit Hunt?s initlel put-chunk - . the Bank may mm the Mm rapt:th .11 ?my pardon ecl'euehRe-eelveblen team an Particular Mutiny on me tit-mere efmh tannins unpaid at? Randivebiel put-cheated the Business es ehewn en the aging report of Enameled pruduned (Ibsen; manifest letter) in determining which Receivables the Heel: my require the Business tn upwehue. Regardless of when Mind. the Bani: my tequim the Business tn Wm ell et- my pertien ef melt Reedwhlee hm my pet-denier Cinemat- if such Glimmer in tannin-pt er ineelvent er if my dispute mine; with Cmnerner regarding each Receivablea (minding, without itmlutien. any alleged deduction, de?me. nine: er committee. mutate). The Bank may require the Business to White any 0: outstanding (it) upon a Default, as de?ned in Sec?en B. or upon the et' thin Agreement Any by the Bank te require ?ywheel: ni? lees thump madam mnuntpermiteedhy this Amt shell net be deemed a miner efthe Bank's rim to "quite such tn the maximum meet pennitted in this Agreement. 3-3 Should the Ben]: require renurchene of one er mere Reetdveblet. the Butneeu lh?] be liable to the Bani: fer peyment nfthe REPW Obligatinn With telnet to melt Reneivalein. Upon a Default or Wan under this AMEN. the Oblina?utt shell elm inelude the nf ell indemni?ed and ether obligetlenn of the Butt? arising under tide 13mm. Militant notice to at demand an the Business, the Benin my debit the mm of melt Repurchase Oblign?on (and my mum to bring the Renew: tn the level required by the limit in its neie end reuamble client-mien) against the Bulim?s Rotten-e Ammtt at any ?ber danish mount Butlan With the Bank. In the event welt mounts enutnin maintain: minds lie:- the BInIt'ii debit er the Bank eieete net in make ml: debit. the amines: agrees te pay any eueh de?ciency or shenth on demand. "rite 153ml: the]! have me undertaking With respect in the billing m?ectian n1? Renewable: an mam-chased. Met damned. if Inch New Obiinetlen it not paid in M1. and if permitted by Applicable let?. the Eminent mathmim any mint-law to appear tin- the Business in any mun nl? 3 . a ?t-n ut. Ham-Bumm?mnn am we amt-a Ream? LI, 54 tum-.13an Wm 3-3 mm uhmlm.dnmm??d ind militant! mods, and minus! halts NMH Hawaii ?fth! Businus?: Obli?lli??. In?d?mm Ill arm W's Obits-um mm um tn mm Imam doom Ind mum pin-dun w, summit: and do-etmtn of limit?:- impart (?un?t-rely. th: "Additiuml annuity nmm?. tut-mum hutnot Muslin. "lotus." Wham," "mum! obll??m" and ?Millikan? than be deem! tn inch-h th? mm chug-?at: Ill In?ated hatch. and afthdeltltul Summit? MM. thumbs: Obligaian 4-1 it: Inga], valid and binding chum?; (it) Mm It ?Mutt and in afitl thirdpu?u: 1th mm at. man u! all down-nut and planting! Inland thaw: mp1}! Wi?t n1! Mm] oath: Adamant ?manhunt! Wuhan Bank's Mot- tut-Ethan ?lm; ml lb: 3mm lavatory in not Mi 5391"? Mb? Mm ham and Ill: Bu?m will supply. ?nancial inhuman, commute mitt-y ?tment! any righuta ?min-d1th by vim: ma: W: Clumt'nar will an: be the ?lim: I'll: Hulk: of the; Invaim ?"11 5" Em and Wm mutply with thin AMEN: the autism: will ham: 4 detest e414; meteors: l??ele'ltet etta Wt! 936? Peeree qu ll??gq 16 3 5?5 THLEUT ofmy diettute or potential elepme that my intpeir the velidity ofthe omeotion or the Customer's ohliaetioo to pay the related Receivable in women teeth it! tome; the Business will have the right to render the eervloee eodlor to sell the good: new tilt: do an in martin-tee with oil opplielhlo lewe; the Bullhead Will hive paid or provided for the peanut ot'ell IIer tit-lam til-om the tremeedoo men; the end (it) the will not he euhjeet to deduetlee. om detonate, or the modem William in Section hereof are emollient ptetthelle mum. the Buttons 1will refleet oteh meetiene in it: end ee eheolttee sole: of Receivables to the Book. end the Business will reimburse end indemnify dreBeelt for ell lost. dimes: and belittling moo-hie ottomeye" teen. ieeurred in defending ouch umeetiotee ee eheolute melee of or as tenet of the of melt transactions; and (1V) in ?It event of the of any proceeding under my haekrttetey or ltteolvmey ll? bl? or mine: the Bottom, the Business will not oppoee or ehjeet to any motion by the But]: ?the: relief {mm the authentic my pro?elom?. of eueh lewe With renter-t to the Roeerve or the Km or to my motion by Bank with reagent to the mammalian. The Business will we only form. automate. end martini-ti; materiel: applied or approved by the Boole in with the Reor?ehiee end Now all peacetime the: ore ee?ehetory to the Bee]: in With the use of me forms. memento, led lulu-tiring nimble 5.3 WWII. The Eminent will he eeler mponeihle tor the adequee)?: completeoeu end Iemey of the row date relating to the it: preparation in the form required not! its tranemieeloe to the Bent. and will indemni?r teed hold the Boole, its eontraeton. Ind their mitten egertte nod harmless from (and pity ell ettoeoeye? fees ?demontohoyeleieo orliehilityeueteittedby by the ?neness. The totdeerteede tint the font: ore-edit epplloetioo end weetneot end other deomeotetioe the Betti: mile! to the Business should be reviewed by the counsel on the net: makes no et- ?treaty on to their enforceability in the or their oompliettee with replieeble federal end state low. The Emit led the agree that the Heel: ie the owner of oil Well by the Emit hereunder. end the till eetlvitiee of the Bottle in connection with the eolleetioo or mantle]: of information. and memento; ol'dntn, is for the or the Beok'e owe mire: nod thet the interrelation generated in ie the of the Built. ?i'he will memory end hold the Bonk. it: end their meet-tire W13 In? ?'1th human? hemmed? lumth ?ee with respeet matey lose or claim involving of wmeety or reptuentetloo by the and ?ora any lose or elelm by my Customer relating to goods outlier meloee (or the monitor or type of their eel: or provision) giving rise to withered by the Bank hereunder. WW . The appellate the Bottle to ice ?emy-lnhfeet to open. end dispose of all need addressed to the remitting to Receivables: to endorse the me upon my notes. lace-omit. eheelte, em. money orders. and other of payment! a: RManlel that my eorne into the Earth ponenion, end to doped! or otherwise eollmt tip: line: and to do all other oete end things to eon-y out the terms of this Agreement. This 3 am we 9mm L, 'Hr'w? Will-fa. JULWGEHMR 1133 55 THLEIDT being howled win]: In imam, Womble whila my aimed by the: Bank Shin rennin Impaid. Thl? aha? he: gem-qu by. cm and unturned landing in the laws 91' that State uf __H_nry 1-114 . Wm 8.1 mm (a "Dc?nulr' mder'lhht?mnnf??n army fails Manchu th- in Sac?un 4.1(d) or M: to mm whim on Emivuhlcs In the Hunt in mutant with. Section 14 haul: camp: fur ?u hh?ptim h: E?dm MM. and harm: tho Hm tun In Inform my days I?nthe date that undue Wis given to Hilda-n; any m. Mr: or shim: 3mm II In individual. 1h: d1:th a! such Indi?dunl; (1) minivan-m. the for the hane?t am Bum-Ian mm the What of a Mhlvar a: In: by mum-tibia dimh?iunur liquida?un, menu! of thc?ulnm'sOhbal?mi??hoBuanI hum good faith Ila-can pram unit: 3mm mm at We: a! it! Obligl?m to muEmth mum. tn the Bank India! this Altman: or Ippllunhh kw. the ?ank my maxim WEI: Will, It whit-.1: Ema Obits-Ilium the Emilia" own In this Bulk Will Windy hum ?u Ind WI: wilhmu wins. and ?u Bum: obligations to ?u Bullion hereunder will m. A?u? ?u ohms hf I Da?mh, Bank will have tho ?ght tn withhold any willan to the Business, Ind m: cf :11: Banks rim or Gallium] will but y. i ll mime: duck-fun. Md acquit this Bank. in muf?n-urn. director: mployns, "gums Ind Ill claim datum, loans. and Milin of any mm which the: Busian mui?moutoftha Wan: herein or 1h: haunt". In addition the pmw?m of 416 322 3455 ma?a me we 9:359 4 lu??m HH J?s"52?m 13:55 Section end Seetlee the Bank shell net he liehle far my ladle-n. spedal . er nequ elem?. web as less efentlelpered revenues us other economic less in eenneenen With or Irish: nut ef' my default in petfennanee hereunder es other matter arising herefrem. New shell the Battle be liable my users ?judgment er mutate e1" ?eet when eellng as the Bulness's attorney-th ptesueet te Seetlen 6, er the delay in the perfemnee er the Bank's duties muses by seine. let-met. rlet. elvll disturbance, ?re. of supplies or ?uids. or any other mum he?yhnd the Bank?s mull This Agreement he I?lmlw When mepletl by the Bank. and will eta-minute in fame and e?'eet untll the est-liner of: (ll) ene year alter the e??eetive date of this Amen? er (It) My (60) day: utter mitten eetlee of man has been given by me party to the what (in each ele- to immediate terminatlen upon at hem?): all ?le um ef this Agreement will eutemeliully he attended for petietls ed" one year eteh {outlawing its ethetwlse seheduletl lamlltetiett. suhjeet te Seetiee 3.2 Ibeve and re the patties? lights to lemlnete this Agreement under eleuse of this See?en 10. Upon tutuine?ee :1st Agreement. the Busleess will my all ef' its te Heels; and he any event the Business will remit: ten the Benlt three}! de?eleney melting ether liqnidetiett other and the Benlt they withheld my W??lhthenuelnmueless ne?sfhemtytetheaenlt. This bind the Business and the Business?l helm, elteeulees. manners and essigns and shell tense Ie the bene?t el' the Bull: need the Bank?s Wars and assigns. The Business agrees that the Betllt may delegate dudes hereunder. but thet the Bullness mey met de se withmt the Bank's prlee er?lltl: The Eminent will! pay Ill reasonable expenses lectured by the Bank: in with the mm this Am including ?pulses here-ted in eenneetlett with the ?ling ell? ?aming enumerate, continuatan statements end set-tether. All pest-due of the Business lilting under Amuletth shell hens interest It the mettlmutn mutate: rete permitted under epplieehle state or federal law. The Business hmhy weltreh grace, demand (ether than demand pummel ee Seeder! 3.2 hereon. fur payment. eetiee ef dishenet at? gel-hull. eetiee tn netlee er pretest and netiee ef pretest and it: cullech and hanging of suit against the Business. Upen ef my settlement as preseeu?en ef? I dlspute with any Custemer, er enteseement of my ef' the Hm?! hereunder. the Business will pay In the Blink. and the Ellth any ehng to the Bulleetts?s ell elem end expenses incurred, ineludlng ensemble nt?lumeys' feel. and eons. expenses use fees shall meme putt of the Dhlinetiem. Ne dilly 01' Mute en the Hamlet pm In ettetelttlec my right, privilege, et- eptiee hereunder shall operate es welln- efmeh er efeey other right. et- end rte welwr. Immune!? or M?ee?ett efeny at? little Agreement shall he valid tmless in writinu ligated by the Rule then only te the meat that?: stated. Should any pmvisien el' this Agreement he prehhttetl by at Invalid under law, the nf? the pre?slone shell net but h?hcl?l. The hm hes-ell: are fat cenvenlenee duly, and shall net de?ne or limit the ?We. ?Met. mule; es intent of this Mumenl. This Agreement embodies the Business's were sweeten: as be its ef?lietiee with the Bank's Bush-mull!ng pram nlthuu?h the 7 QM J.E.RHDREH ?la E4EE P.Q9 were 413 "me: 99.3.59 magma Bunions: anticipate: that Bank will unbuan mum mum dupnsim and a?l? bank mama. Intham'ultnfany either amt-mien! WWmaEu?mudMIlnkInmummw: Amt. inch?inE with?! limiu?an. my Addition] annuity Mum. th- mu?pmviulm nfthin AMEN aim]! mall mm Iddnas af?ne af?lnApuemmL Thin Armament WW - Acmoma?s THATMSAWT CONTAINSA mum-rm mam FULLY mum-man monromcunm. mama-55* i 'I'itlu: ACCEPTANCE: tinnll TH: 12th day of gang?! .199 9 ml!? 19'" by HM Huh-Ia 1w? All mum Imm?- WWII In sum mm Emu. In. REE