ACH Authorization

I authorize Upgrade, Inc. (DBAs include Universal Credit and the names at [Link]/landing/dba),
acting as servicer on behalf of its bank partner(s) ([Link] as applicable
("bank partner"), bank partner, and their respective service providers, successors, assignees, and designess
(collectively, "You") to initiate electronic debits and credits from the bank account I designated ("Designated
Account") for payments I owe under the loan agreement that I executed in favor of bank partner ("Loan
Agreement"). I am an authorized signer to the Designated Account and I am not required to obtain the
agreement or consent of any other person who owns or has a claim to funds in the Designated Account to make
this authorization (or I have obtained all required agreements and consents from other persons who own or have
a claim to funds in the Designated Account), and I acknowledge that electronic debits and/or credits will be
processed through the ACH system and must comply with applicable law.

The amount debited from the Designated Account (i) will be the monthly payment on or after the payment due
date each month listed in the Truth in Lending Disclosure plus any applicable fees or other amounts owed under
the Loan Agreement, including late payment fees or returned payment fees or (ii) the amount of any
prepayment I may schedule, as applicable. I also authorize You to initiate an additional credit or debit to the
Account if necessary to correct any error that has previously occurred.

I agree that the Designated Account at the depository bank must have enough available collected funds to
cover the scheduled debit on the business day before the scheduled payment date, and on the scheduled
payment date. My monthly payments will be in the amount of $695.44, and I understand that my final payment
may vary from that amount. You may vary the amount debited by providing notice to me at least ten (10) days
before the date of the transfer. The first monthly payment will be due one month after issuance of my loan. All
other monthly payments will be due on the same day of each following month. If my due date is the 29th, 30th,
or 31st and the current month is shorter, my payment will be on the last day of the month. If the payment due
date is not a business day, my payment will be collected on the next business day.

If the Designated Account does not have enough available collected funds to cover the scheduled debit, You
may continue to attempt to collect funds from my Designated Account until there are sufficient funds available.
If any payment is returned, I authorize You to make a one-time electronic fund transfer from the Designated
Account to collect a fee of $10. I understand that in addition to the fees that You may charge, my depository
bank may charge an overdraft or other fees.

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I understand that this ACH Authorization ("Authorization") does not relieve me of the obligation to make timely
payments under the Loan Agreement. I further acknowledge that this Authorization is fully transferable and
assignable by You to any entity, its servicer, or assigns that own the Loan Agreement.

I acknowledge and agree that this authorization will remain in full force and effect until and unless I provide You
with written notification that this authorization is terminated (and such termination will be recognized when my
depository bank and You have a reasonable opportunity to act upon such written notification), or I contact you
as described below.

I can cancel this Authorization by contacting (855) 997-3100 and this cancellation will be effective three (3)
business days after receipt. I may also cancel this Authorization by giving the depository bank notice of
termination or by stopping payment of any scheduled debit at least three (3) business days before the
scheduled date of the next debit. If I cancel this Authorization, I must still make payments on my loan by each
payment due date. Failure to make payments on time may result in late fees being assessed. Returned
payments of any kind are also subject to the imposition of a fee as stated in the loan agreement. I may obtain
additional information about the depository bank's preauthorized ACH debit stop payment requirements from
the depository bank.

In addition, I understand that if I terminate this Authorization or stop payment of any scheduled debit(s) I will
still be required to make the monthly payments due under the Loan Agreement.

I understand that providing this Authorization is not a condition of the Loan and I have chosen this method of
payment for the convenience of having my monthly loan payments made automatically from my bank account.

I AM AGREEING TO AUTOMATIC PAYMENTS. I HAVE READ THE ABOVE TERMS AND CONDITIONS AND AGREE TO
THEM. I AGREE AND UNDERSTAND THAT I AM AUTHORIZING YOU TO DEBIT AND CREDIT THE DESIGNATED
ACCOUNT, AND I ALSO AGREE THAT I HAVE RECEIVED A COPY OF THIS AUTHORIZATION FOR MY RECORDS.

Richard Hover

I AGREE
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