QUICK BUCKS™ LOAN AGREEMENT

This Loan Agreement (the "Agreement") is made as of the date above by and between the borrower identified above, whose address and confirmed cell phone number are indicated above (the "Borrower"), and SeaCoast Financial, LLC, located at 103E Regency Commons Dr, Greer, SC 29650 (the "Lender").

THE PARTIES DO AGREE AS FOLLOWS:

1. Loan Amount

The Lender agrees to loan the Borrower the principal sum listed above as Required Collateral (the "Loan"), subject to interest on the outstanding principal amount (the "Principal Balance") in accordance with the terms set forth below.

2. Disbursement of Funds

The Borrower acknowledges that all loan funds are allocated exclusively for the Borrower’s use. Loan proceeds will not be directly disbursed to the Borrower but applied as agreed upon.

3. Repayment Terms

The Loan, including accrued interest and all applicable charges, shall be due and payable on or before the twelfth (12th) month anniversary of the Effective Date. Payments shall be applied first to accrued interest, then to the Principal Balance. The Loan shall be repaid in twelve (12) equal consecutive monthly installments as stated above, with the first payment due 30 days from the Effective Date. Subsequent payments shall be due on the same day of each following month.

4. Interest

The Principal Balance shall bear interest at 18% APR, accruing daily. However, total interest shall not exceed the maximum amount allowed by law, and the Borrower shall not be obligated to pay interest beyond such legal limits.

5. Prepayment

The Borrower may prepay any amount without penalty.

6. Late Payment & Acceleration

If payment is 45+ days late, the Lender may demand full repayment.

7. Remedies & Costs

The Lender may enforce collection through legal means, and the Borrower agrees to reimburse reasonable costs, including attorney’s fees.

8. Notices

All notices must be in writing and sent via in-person delivery, email, certified mail, or courier service.

9. Governing Law & Dispute Resolution

This Agreement is governed by South Carolina law. Disputes shall first undergo mediation, followed by binding arbitration if necessary.

10. Consumer & Credit Disclosure

SeaCoast Financial, LLC provides all credit products subject to review. Example: A $500 loan at 18% APR for 12 months results in a $45.87 monthly payment, totaling $550.45.

11. Electronic Consent

By signing, you consent to electronic transactions, notices, and signatures, which are legally binding.

12. Entire Agreement

This Agreement supersedes prior agreements and constitutes the entire understanding between the parties.

By proceeding, you confirm that you have read and agreed to the terms.