01Promise to Pay

You promise to pay Nationwide Loans (the Lender) the principal sum of $15,000.00, plus interest at the fixed Annual Percentage Rate of 14.99%, in 48 equal monthly installments of $417.39 each. Interest begins accruing on the date funds are disbursed.

02Repayment Schedule

Payments will be debited automatically from the deposit account you authorized on the bank-link page, via ACH, on the 6th day of each month, starting August 6, 2026 and continuing through July 7, 2030.

You may change your scheduled payment date once per loan term by calling 1-866-466-6080 at least 5 business days before the next debit.

03Prepayment

No prepayment penalty. You may pay any portion of, or the entire balance of, this loan at any time without penalty. Interest is calculated on the daily outstanding balance, so early payment reduces total interest paid.

04Late Payment

If a scheduled payment is not received within 10 calendar days of its due date, Nationwide may charge a one-time late fee of $15, or 5% of the unpaid payment, whichever is less. Late fees do not accrue interest.

05Default and Remedies

You will be in default if (a) you fail to make any scheduled payment within 60 days of the due date, (b) you provided materially false information on your loan application, or (c) you become subject to a bankruptcy proceeding.

Upon default, Nationwide may declare the entire unpaid principal balance plus accrued interest immediately due. Nationwide must give you at least 30 days’ written notice and an opportunity to cure before reporting the default to consumer credit reporting agencies or referring the account to a collection agency.

06Use of Funds

You agree to use the loan proceeds for the personal, family, or household purpose you indicated on your application. You may not use the proceeds for any illegal activity, for funding a business, for paying margin on securities, or for gambling.

07Cancellation Rights

You may cancel this agreement without obligation within three (3) business days of the disbursement date by returning the full principal amount to Nationwide. To exercise this right, call 1-866-466-6080 or email support@nationwideloans.org within the 3-day window.

08Arbitration Agreement

Any dispute arising out of or related to this agreement will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may bring a claim in small-claims court for an individual dispute within that court’s jurisdiction.

You may opt out of this arbitration provision by sending written notice to Nationwide Loans, 350 Pine Street, Beaumont, TX 77701, within 30 days of signing this agreement.

09E-Sign Consent and Communications

By checking the authorization box on the previous page, you consented to receive all disclosures, notices, and communications related to this loan electronically (email, SMS, or in-app), and you confirmed you have the hardware and software needed to access them. You may withdraw consent and request paper copies at any time by writing to the address above.

10State-Specific Disclosures

This loan is governed by the laws of the State of TX and applicable federal law. State-specific Truth-in-Lending and Consumer Credit disclosures applicable to your residence are incorporated by reference and available on request.