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24PT-AC 00438
IN THE CIRCUIT COURT OF PETTIS COUNTY, MISSOURI
ASSOCIATE CIRCUIT DIVISION
Easy Cash ASAP, LLC
Plaintiff,
vs. Case No.
Division
SHANNA JOHNSON
307 W 5TH ST
Sedalia MO 65301
Defendant.
PETITION
COMES NOW, Plaintiff Easy Cash ASAP, LLC and for its cause of action against
Defendant SHANNA JOHNSON, states as follows:
1 This Court has original jurisdiction over this controversy, as Defendant is a
resident of Missouri. Venue in this Circuit is proper because the Defendant resides in this
county.
2 Plaintiff
and Defendant entered into a written contract. A copy of said
written contract is attached hereto and marked "Exhibit A".
3 Plaintiff fully performed as agreed
4 Defendant breached said written contract by failing to pay to Plaintiff the full
agreed sum and now owes Plaintiff in the amount of $2,219.36, plus interest at the statutory
rate of 9.00% from and after the date of judgment.
5 Demand has been made upon Defendant, but the balance remains due and
unpaid.
WHEREFORE, Plaintiff Easy Cash ASAP, LLC prays for judgment against
Defendant SHANNA JOHNSON, for the sum of $2,219.36, for interest thereon at the
statutory rate of 9.00% per annum from and after the date of judgment, and court costs.
B N £7 RABINSPAC |)
Daniel S. Rabin #37315
drabin@bermanrabin.com
Benjamin N. Hutnick #63668
bhutnick@pbermanrabin.com
Rebecca J. Ledford, #73154
rledford@bermanrabin.com
P.O. Box 480707
Kansas City, MO 64148
Phone: 913-649-1555
ATTORNEYS FOR PLAINTIFF
272353-18
EASY CASH ASAP LLC Agreement
ELECTRONIC RECORD AND SIGNATURE DISCLOSURE
From time to time, Easy Cash ASAP LLC (we, us or Company) may be required by law to provide to you certain written notices or
disclosures. Described below are the terms and conditions for providing to you such notices and disclosures electronically through your
Easy Cash ASAP LLC user account. Please read the information below carefully and thoroughly, and if you can access this information
electronically to your satisfaction and agree to these terms and conditions, please confirm your agreement by clicking the 'l agree!
button at the bottom of this document.
Getting paper copies
At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. For such
copies, as long as you are an authorized user of the Easy Cash ASAP LLC system you will have the ability to download and print any
documents we send to you through your Easy Cash ASAP LLC user account for a limited period of time (usually 30 days) after such
documents are first sent to you. After such time, if you wish for us to send you paper copies of any such documents from our office to
you, you will be charged a $0.00 per-page fee. You may request delivery of such paper copies from us by following the procedure
described below,
Withdrawing your consent
If you decide to receive notices and disclosures from us electronically, you may at any time change your mind and tell us that thereafter
you want to receive required notices and disclosures only in paper format. How you must inform us of your decision to receive future
notices and disclosure in paper format and withdraw your consent to receive notices and disclosures electronically is described below.
Consequences of changing your mind
If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain
steps in transactions with you and delivering services to you because we will need first to send the required notices or disclosures to
you in paper format, and then wait until we receive back from you your acknowledgment of your re of such paper notices or
disclosures. To indicate to us that you are changing your mind, you must withdraw your consent using the Easy Cash ASAP LLC
‘Withdraw Consent’ form on the signing page of your Easy Cash ASAP LLC account, This will indicate to us that you have withdrawn your
consent to receive required notices and disclosures electronically from us and you will no longer be able to use your Easy Cash ASAP
LLC Express user account to receive required notices and consents electronically from us or to sign electronically documents from us.
All notices and disclosures will be sent to you electronically
Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you through your Easy
Cash ASAP LLC user account all required notices, disclosures, authorizations, acknowledgements, and other documents that are
required to be provided or made available to you during the course of our relationship with you, To reduce the chance of you
inadvertently not receiving any notice or disclosure, we preferto provide all of the required notices and disclosures to you by the same
method and to the same address that you have given us. Thus, you can receive all the disclosures and notices electronically or in paper
format through the paper mail delivery system. If you do not agree with this process, please let us know as described below. Please also
see the paragraph immediately above that describes the consequences of your electing not to receive delivery of the notices and
disclosures electronically from us.
How to contact Easy Cash ASAP LLC:
You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain
information from us, and to withdraw your prior consent to receive notices and disclosures electronically as follows:
To contact us by email send messages to: info@easycashasap.com
To advise Easy Cash ASAP LLC of your new e-mail address
To let us know of a change in your e-mail address where we should send notices and disclosures electronically to you, you must send an
email message to us at info@easycashasap.com and in the body of such request you must state: your previous e-mail address, your
new e-mail address. We do not require any other information from you to change your email address...
To request paper copies from Easy Cash ASAP LLC
To request delivery from us of paper copies of the notices and disclosures previously provided by us to you electronically, you must
send us an e-mail to info@easycashasap.com< and in the body of such request you must state your e-mail address, full name, US
Postal address, and telephone number. We will bill you for any fees at that time, if any.
To withdraw your consent with Easy Cash ASAP LLC
To inform us that you no longer want to receive future notices and disclosures in electronic format you may:
i, decline to sign a document from within your Easy Cash ASAP LLC account, and on the subsequent page, select the check-box
Indicating you wish to withdraw your consent, or you may;
ii, send us an e-mail to info@easycashasap.com and in the body of such request you must state your e-mail full name, IS Postal
Address, telephone number, and account number. We do not need any other information from you to withdraw consent.. The
consequences of your withdrawing consent for online documents will be that transactions may take a longer time to process..
Required hardware and software
[Operating Systems: |Windows2000? or WindowsXP?
Browsers (for SENDERS): Internet Explorer 6,0? or above
Browsers (for SIGNERS): Internet Explorer 6.0?, Mozilla FireFox 1.0, NetScape 7.2 (or above)
Email: Access to a valid email account
Screen Resolution: ‘800 x 600 minimum
+ Allow per session cookies
Enabled Security Settings:
+ Users accessing the internet behind a Proxy Server must enable HTTP 1.1 settings via proxy connection|
2» These minimum requirements are Subject to change. If these requirements change, we will provide you with an email message at the
email address we have on file for you at that time providing you with the revised hardware and software requirements, at which time
you will have the right to withdraw your consent.
Acknowledging your access and consent to receive materials electronically
To confirm to us that you can access this information electronically, which will be similar to other electronic notices and disclosures that
we will provide to you, please verify that you were able to read this electronic disclosure and that you also were able to print on paper
or electronically save this page for your future reference and access or that you were able ta e-mail this disclosure and consent to an
address where you will be able to print on paper or save it for your future reference and access. Further, if you consent to receiving
notices and disclosures exclusively in electronic format on the terms and conditions described above, please let us know by clicking the
‘Lagree' button below.
By clicking the 'I Agree’, I confirm that:
© I can access and read this Electronic CONSENT TO ELECTRONIC RECEIPT OF ELECTRONIC RECORD AND SIGNATURE
DISCLOSURES document; and
© I can print on paper the disclosure or save or send the disclosure to a place where | can print it, for future reference and access;
and
© Until or unless | notify Easy Cash ASAP LLC as described above, | consent to receive from exclusively through electronic means.
all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made
available to me by Easy Cash ASAP LLC during the course of my relationship with you.
By Signing Below you are agreeing to the above terms:
PRINTED NAME: SIGNATURE
Shanna Johnson [Shanna Johnson
DATE:2023-10-13
STAMP; SARS,
Consumer Loan Agreement
Date:10-13-2023 Account #:
Easy Cash ASAP, LLC Customer Name:
Shanna Johnson
PO Box 11443 Customer Address:
Overland Park, KS 66207 Customer City, State, Zip
(816) 287-2041 Customer Phone #
In this consumer loan agreement (the “Agreement") the words “you,” and “your” mean each and all customers who have signed it. The
words “we,” “us,” and “our" mean Easy Cash ASAP, LLC,
TRUTH IN LENDING DISCLOSURES
EB we TOTAL PAYMENTS
GE AMOUNT FINANCED
The amount | will have paid after
mi Fe The amount of credit
Ihave made all payments as
il the provided to me or on my scheduled below.
ehalf.
0.
Your Payment Schedule will be:
NUMBER OF PAYMENTS:
20
AMOUNT OF PAYMENT:
§ 241.26
‘WHEN PAYMENTS ARE DUE:
Bi Weekly
THE FIRST PAYMENT DUE:
2023-11-09
—
PREPAYMENT : If you pay off the loan early, you will not have to pay a penalty, and you may be entitled to a refund of part of the
finance charge.
LATE CHARGE: If a payment is 15 days late you will be charged a 5% of the payment late charge; up to $50, subject to a minimum
charge of $15.
*Please see the Loan Agreement
for additional information about nonpayment, default, and prepayment.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS _
RESTRICTION OF NON-PUBLIC INFORMATION ACCESS.
||
Itemization of Amount Financed of $800.00
We restrict access to your non-public personal information to
employees needing to know that information to assist you with
$800.00 Amount given to you directly products or services. We keep the physical, electronic, and
$0.00 Loan Proceeds paid on your account
$0.00 Amount paid to public officials procedural safeguards required by our regulators to insure the
$0.00 Amount paid to others
safety of your personal information,
$0.00 Loan Origination Fee
$0.00 Prepaid Finance Charge INFORMATION TO NON-AFFILIATED THIRD PARTIES
Since we value our relationship, we will not disclose your non- |
$800.00 Amount Financed public personal information to non-affiliated third parties unless |
required by law or to the extent you have expressly consented to
in writing. We also do not disclose non-public personal information
‘ about former customers unless required by lav.
LOAN AGREEMENT
PROMISE TO PAY: You promise to pay the lender the principal sum of $800.00, plus interest thereon at the rate of 782.143% per
annum until the loan is paid in full. The loan is payable in 20 payments of $ 241.26 following the payment schedule listed below:
Payment Number| Payment Date| Payment Amount] Interest Amount
| Principal Amount
1 2023-11-09 $241.26 $240.00 $1.26
2 2023-11-22 $241.26 $239.62 $1.64
3 2023-12-07 $241.26 $239.13 $2.13
4 2023-12-21 $241.26 $238.49 $2.77
5 2024-01-04 $241.26 $237.66 $3.60
2024-01-18 $241.26 $236.58 $4.68
2024-02-01 $241.26 $235.18 $6.08
2024-02-15 $241.26 $233.35 $7.91
2024-02-29 $241.26 $230.98 $10.28
10 2024-03-14 $241.26 $227.90 $13.36
11 2024-03-28 $241.26 $223.89 $17.37
12 2024-04-11 $241.26 $218.68 $22.58
3 2024-04-25 $241,26 $211.99 $29.36
14 2024-05-09 $241.26 $203.03 $38.17
15 2024-05-23 $241.26 $191.64 $49.62
16 2024-06-06 $241.26 $176.75 $64.50
7 2024-06-20 $241.26 $157.41 $83.85
18 2024-07-03 $241.26 $132.25 $109.01
19 2024-07-18 $241.26 $99.55 $141.71
20 [2024-08-01 $241.26 $57.04 $184.22
LOAN ORIGINATION FEE: You agree to pay a loan origination fee of $0.00.
SECURITY INTEREST : If you have chosen the ACH Debit Authorization option, your ACH authorization is security for this loan.
DEFAULT: In the event you default on the loan, the lender may, after praviding all notices required by law, demand payment in full at
once, and exercise any and all rights as a secured party per the Uniform Commercial Cade.
SAME DAY ORIGINATION FEE: If you opt for same day funding, you will be assessed a fee of $20 to cover the same day origination
costs. The fee will be assessed on the first payment.
RETURNED CHECK FEE: If any instrument is returned for any reason by any financial institution, you agree to pay a fee of $25, plus
the amount charged the lender by the financial institution for processing the refused instrument.
ATTORNEY FEES & COURT COSTS: If it becomes necessary to file suit to collect this loan, you agree to pay attorney fees and court
costs pursuant to section 408.140 RSMO,
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 a consumer reporting agency or other sources. 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.
PAYMENT BY CHECK OR MONEY ORDER: You may pay each payment owing under this Agreement by check or money order.
Checks/Money Orders must be received by the date due listed above. Checks/Money Orders received early will be processed on the
date due unless otherwise requested by the customer.
CHECK CONVERSION NOTICE: By providing a check as payment, you authorize and agree that we may either use information from
your check to make a one-time electronic withdrawal from your account or to process the payment as a check transaction. When we
make an electronic withdrawal funds may be withdrawn as soon as the same day we receive your payment. You will not receive your
check back from your bank.
REFINANCE POLICY: We, in our sole discretion, will determine if your Loan may be refinanced.
REFUND POLICY: If you have paid an excess charge, you reserve the right to a refund. A refund may be made whole or in part by
reducing your debt obligation by the amount of the excess charge. We reserve the right to refund the excess amount to you directly,
rather than reducing your debt obligation.
BORROWER'S BANK CHARGES: You agree you will not hold us or our agents responsible for any fees you must pay as a result of any
check or withdrawal request being presented at your bank in connection with this Agreement.
TELEPHONE CALLS: You agree and acknowledge that in the event we need to contact you to discuss your account or the repayment of
your Loan. WE MAY CALL YOU AT ANY NUMBER YOU HAVE PROVIDED TO US. You further agree that we may leave an autodialed or
prerecorded message or use other technology (including, but not limited to, SMS messaging or other text messaging) to contact or to
communicate with you.
ACKNOWLEDGEMENTS: By electronically signing this agreement you warrant and represent that the information you have given us is
true and correct. You authorize us to verify your information, and you give consent for us to obtain information about you from a
consumer reporting agency or other sources.
You warrant and represent that you have read, understand, and agree to all of the terms and conditions of this Agreement, including
the disclosures and Arbitration Agreement and waiver of any jury trial (notwithstanding the "Opt Out Option" described above).
You warrant and represent that this Agreement contains all of the terms of the agreement between you and us and that no
representations or promises other than those contained in this Agreement have been made.
You warrant and represent that, if you agreed to ACH Debit Authorization, you specifically authorize withdrawals and deposits to and
from your bank account as described in this Agreement.
You warrant and represent that you have the ability to print or retain a completed copy of this Agreement. However, if you send a
written request for a copy of the Agreement, we will provide one to you, free of charge.
You warrant and represent that you are not a debtor under any proceeding bankruptcy, insolvency or reorganization, and have no
intention to file a petition for relief under any chapter of the United States Bankruptcy Code.
You further warrant and represent that we may withhold funding of your Loan until we verify that all the information you gave us is
correct,
CANCELLATION OF THE LOAN: YOU HAVE THE RIGHT TO CANCEL THIS LOAN WITHIN THREE (3) DAYS AFTER THE DATE THIS
AGREEMENTIS SIGNED. TO DO SO YOU MUST RETURN THE MONEY WHICH WE DEPOSITED IN YOUR ACCOUNT, ALLOW US TO
WITHDRAW THE MONEY FROM YOUR ACCOUNT, OR RETURN THE MONEY BY MAILIF YOU DID NOT SELECT THE ACH DEBIT
AUTHORIZATION. TO NOTIFY US OF A VALID CANCELLATION PLEASE CALL (816) 287-2041 , OR CONTACT US VIA EMAIL AT:
customerservice@easycashasap.com
1 AGREE
By Sig ig Below you are agreeing to the above terms:
PRINTED NAME: SIGNATURE
Shanna Johnson |Shanna Johnson'
DATE:2023-10-13
STAMP: QD
EASY CASH ASAP, LLC AUTHORIZATION AGREEMENT
DIRECT PAYMENTS (ACH DEBITS)
By utilizing the e-sign below, | authorize Easy Cash ASAP, LLC, to withdraw my scheduled loan payment from the account indicated
below via Checking on or about the timing & frequency of the payment schedule listed in the consumer loan agreement. | further
authorize Easy Cash ASAP, LLC to adjust this withdrawal to refiect any additional fees, charges, or credits to my account authorized by
this Note.
CENTRAL BANK OF SEDALIA Shanna Johnson
(Financial Institution) (Customer Name)
Type of Account: Checking
os Ea
(Routing/Transit Number) (Account Number)
| agree that, in the event that any withdrawal authorized in accordance with this authorization is rejected, Easy Cash ASAP, LLC may
attemptup to two more times to initiate it. | understand that my bank may impose fees in connection with rejected withdrawals, and I
agree that Easy Cash ASAP, LLC does not have any liability for such fees.
If know that a withdra’ will be rejected by my bank (due to insufficient funds), | should contact y Cash ASAP, LLC so that
alternate arrangements can be made. | understand that withdrawals are subject to applicable law ar network rules,
| understand that this authorization and the services undertaken by Easy Cash ASAP, LLC in no way alters or lessens my obligations
under the loan agreement,
understand and acknowledge that this jorization is not a condition to obtaining this loan and that | may terminate this authorizatio
at any time (including prior to my first payment due date) by contacting Easy Cash ASAP, LLC di actly at the address and/or telephone
number listed on the first page of my agreement and within a timeframe as to afford Easy Cash ASAP, LLC and my bank a reasonable
opportunity to act on my request. | will then be instructed to provide a written request to Easy Cash ASAP, LLC to revoke the ACH
authorization. In the event that this occurs, Easy Cash ASAP, LLC will comply with my termination request within three business days.
Terminating is authorization does not affect my obligation to repay the amou jue under my Agreement.
1 AGREE
By Signing Below you are agreeing to the above terms:
PRINTED NAME: SIGNATURE
Shanna Johnson. Shanna Johnson
DATE:2023-10-13
1 TD
EASY CASH ASAP, LLC AUTHORIZATION AGREEMENT
DIRECT PAYMENTS (Remotely Created Check/Order)
By utilizing the e-sign below, | authorize Easy Cash ASAP, LLC, to withdraw my scheduled loan payment from the account indicated
below via Remotely Created Check/Order on or about the timing & frequency of the payment schedule listed in the consumer loan
agreement. | further authorize Easy Cash ASAP, LLC to adjust this withdrawal to reflect any additional fees, charges, or credits to my
account authorized by this Note.
CENTRAL BANK OF SEDALIA Shanna Johnson
(Financial Institution) (Customer Name)
Smtiins —Eeas hecking
‘ (Routing/Transit Number) (Account Number) Account Type
A Remotely Created Check/Order may also be known as a remotely created check, remotely created payment order, electronic payment
order, demand draft, bank check, paper draft, or other similar device.
J agree that, in the event that any withdrawal authorized in accordance with this authorization is rejected, Easy Cash ASAP, LLC may
attempt up to two more times to initiate it. | understand that my bank may impose fees in connection with rejected withdrawals, and |
agree that Easy Cash ASAP, LLC does not have any liability for such fees.
If | know that a withdrawal will be rejected by my bank (due to insufficient funds), | should contact Easy Cash ASAP, LLC so that
alternate arrangements can be made. | understand that withdrawals are subject to applicable law and network rules.
| understand that this authorization and the services undertaken by Easy Cash ASAP, LLC in no way alters or lessens my obligations
under the loan agreement,
J understand and acknowledge that this authorization is not a condition to obtaining this loan and that | may terminate this authorization
at any time (including prior to my first payment due date) by contacting Easy Cash ASAP, LLC directly at the address and/or telephone
number listed on the first page of my agreement and within a timeframe as to afford Easy Cash ASAP, LLC and my bank a reasonable
opportunity to act on my request. | will then be instructed to provide a written request to Easy Cash ASAP, LLC to revoke the Remotely
Created Check/Order authorization. In the event that this occurs, Easy Cash ASAP, LLC will comply with termination request within
three business days. Terminating this authorization does not affect my obligation to repay the amount due under my Agreement.
1 AGREE
By Signing Below you are agreeing to the above terms:
PRINTED NAME: SIGNATURE
Shanna Johnson
DATE:2023-10-13
STAMP:
PRIVACY POLICY DISCLOSURE
Regarding non-public personal information of customers of Easy Cash ASAP, LLC EFFECTIVE DECEMBER 1, 2013.
This Disclosure covers all personally identifiable information about present or past customers regarding their present or past
relationship with Easy Cash ASAP, LLC.
Policy regarding providing non-public information about you or your transactions to outside marketers: Easy Cash ASAP, LLC does not
provide personal information about you or your transactions to outside companies for the purpose of their marketing services or goods
to you.
Policy regarding providing information about you or your transactions to affiliated companies: Easy Cash ASAP, LLC may share
Information about your transactions with its affiliated companies, including information you provided on your application, verification of
such information, or an assessment of your transactions with individuals or companies listed in your application. Information may also
be provided to consumer reporting agencies such as Clarity and/or Microbilt and/or their respective subscribers.
Policy regarding providing information about you or your transactions to unaffiliated third parties: Easy Cash ASAP, LLC shares non-
public information on your current or past transactions with consumer reporting agencies, including but not limited to Clarity and/or
Microbilt and/or their respective subscribers, We also share such information with any law firms or collection agencies we engage in the
collection of any debt owed us and/or to protect our contractual or other rights.
Easy Cash ASAP, LLC may share your non-public, personal information to the extent you have expressly consented to the same in
writing.
Other situations where disclosure of your non-public information may be required: Easy Cash ASAP, LLC may be required to share your
‘non-public personal information as required by federal, state or local laws or by court order.
Policy regarding categories of non-public personal information collected on you by us: The information collected on you is categorized
as follows:
(1) Information you provided on your application.
(2) Verification of such information and/or assessment of your transactions with individuals or companies listed in your application,
(3) Information provided by consumer reporting agencies such as Clarity and/or Microbilt and/or their respective subscribers.
In-house policy on keeping your personal information secure: All personnel of Easy Cash ASAP, LLC with access to your private personal
information are required to maintain the confidentiality of that information while employed with the company and upon their separation
there from, Employees who fail to maintain this confidentiality are subject to disciplinary procedures. The company maintains file and
computer safeguards both during and after hours of business.
You hereby consent to Easy Cash ASAP, LLC disclosing your non-public personal information in accordance with the privacy policy.
YOU ACKNOWLEDGE RECEIPT OF A COPY OF:
(1) A SEPARATE CREDIT SERVICES DISCLOSURE STATEMENT BEFORE EXECUTING THIS AGREEMENT OR PAYING ANY FEE OR OTHER
CONSIDERATION,
(2) THIS CREDIT SERVICES AGREEMENT AND DISCLOSURE STATEMENT, INCLUDING PRIVACY POLICY, WITH ALL NECESSARY SPACES
COMPLETED AND TWO ATTACHED NOTICES OF CANCELLATION.
(3) 2 COPIES OF NOTICE OF CANCELLATION FORM,
(4) ACH AUTHORIZATION, AND
(5) ANY OTHER DOCUMENT THAT YOU HAVE BEEN REQUESTED TO SIGN.
| AGREE
By Signing Below you are agreeing to the above terms:
PRINTED NAME: SIGNATURE
Shanna Johnson Shanna Johnson’
DATE:2023-10-13)
STAMP. a.
*
WAIVER OF JURY TRIAL AND ARBITRATION PROVISION
Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury
trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an “arbitrator) for a decision.
Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited.
Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the
dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. We have a policy of arbitrating all
disputes with customers which cannot be resolved in a small claims tribunal, including the scope and validity of this Arbitration Provision
and any right you may have to participate in an alleged class action, THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS:
For purposes of this Waiver of Jury Trial and Arbitration Provision, 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 the
signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this
Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to the
Loan Agreement, the information you gave us before entering into this Agreement, including the customer information application,
and/or any past 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 us and/or any of our employees, agents, directors, officers,
shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as “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 (hereinafter referred to as "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.
1 You acknowledge and agree that by entering into this Arbitration Provision:
a.YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED
THIRD PARTIES;
b.YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE
ALLEGED AGAINST US OR RELATED THIRD PARTIES; and
c. 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 FILED
AGAINST US AND/OR RELATED THIRD PARTIES,
Except as provided in Paragraph 5 below, all disputes including any Representative Claims against us and/or related third
parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT
CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A
PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION.
Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt
requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a
lawsuit has been filed. Regardless of who demands arbitration, you shall have the right to select any of the following arbitration
organizations to administer the arbitration: the American Arbitration Association (1-800-778-7879) http://www.adr.org or JAMS
(1-800-352-5267) http://www.jamsadr.com. The parties may also agree to select an arbitrator who resides within your federal
judicial district who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association,
and arbitrate in accordance with such arbitrator's rules, The party receiving notice of arbitration will respond in writing by
certified mail return receipt requested within twenty (20) days. If youdemand arbitration, you must inform-us in-your demand of
the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we
jemand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your
decision to select an arbitration organization. If you fail to notify us, then we have the right to select an arbitration organization.
The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to
consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Arbitration Provision,
including the limitations on the arbitrator below. You may obtain a copy of the rules and procedures by contacting the
arbitration organization listed above,
Regardless of who demands arbitration, at your request we will pay your portion of the arbitration expenses, including the filing,
administrative, hearing and arbitrator's fees (‘Arbitration Fees"), Throughout the arbitration, each party shall bear his or her own
attorneys’ fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law
consistent with the FAA, and applicable statutes of limitation, and shall honor claims of privilege recognized at law. The
arbitration hearing will be conducted in the county of your residence. The arbitrator may decide, with or without a hearing, any
motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In
conducting the arbitration proceeding, the arbitrator shall hot apply any federal or state rules of civil procedure or evidence. If
allowed by statute or applicable law, the arbitrator may award statutory damages and/or reasonable attorneys' fees and
expenses. If the arbitrator renders a decision or an award in your favor resolving the dispute, we will reimburse you for any
Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator shall provide a written explanation
for the award, The arbitrator's award may be filed with any court having jurisdiction,
All parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal in the county of
your residence for disputes within the scope of such tribunal's jurisdiction, Any dispute which cannot be adjudicated within the
jurisdiction of a small claims tribunal shall be resolved by binding arbitration. Any appeal of a judgment fram a small claims
tribunal shall be resolved by binding arbitration,
6. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. If
a final non- appealable judgment of a court having jurisdiction over this transaction finds, for any reason, that the FAA does not
apply to this transaction, then our agreement to arbitrate shall be governed by the arbitration law of the State of Missouri.
This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration
Provision is binding upon and benefits us, our successors and assigns, and related third parties. This Arbitration Provision
continues in full force and effect, even if your obligations have been paid or discharged through bankruptcy. This Arbitration
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. If any of this Arbitration Provision is held
invalid, the remainder shall remain in effect.
OPT-OUT PROCESS. You may choose to opt out of the Arbitration Provision, but only by following the process set-forth below. If
you do not wish to be subject to this Arbitration Provision, then you must notify us in writing within sixty (60) calendar days of
the date of your loan at the Lender's address provided at the top of this agreement Your written notice must include your name,
address, account number or social security number and a statement that you wish to opt out of this Arbitration Provision.
Please note that this Loan Agreement contains a binding arbitration provision. You also warrant that you are not a debtor under any
proceeding in bankruptcy and have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code. You
acknowledge that you have read, understand, and agree to all of the terms of this Loan Agreement, including the "Waiver of Jury Trial
and Arbitration Provision".
| AGREE
By Signing Below you are agreeing to the above terms:
PRINTED NAME: SIGNATURE
Shanna Johnson Shanna Johnson
DATE:2023-10:
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STATE OF KANSAS, }
] 55.
COUNTY OF JOHNSON )
AFFIDAVIT OF ACCOUNT
The undersigned affiant, bring first duly sworn, Ceposes and states a5 follows, to-wit:
1. (SJhe is a designated agent, end 2 competent person over eighteen years of age. (S)he ise
Custodian of Records for Easy Cash ASAP, LLC, the Plaintiff herein (hereinafter “Plaintif{")_
4s 2 custodian of records for Plaintifi, {sJhe is authorized to execute this affidavit on behalf
of Plaintiff ané the information below is true and correct to the best af her knowledge,
information and belief. (5}he is familiar with the methoe of preperation and maintenance af
said baoks and records and beReve them to be true and correct, with entries thereon
having been: made in the ordinary course of business, at or near the time of the transaction
giving rise to each entry.
In the ordinary course of business Pizintiff regularly issues Insta!lment loan sgreements,
account records and/or other credit lines.
3. Pisintiff is the current ownerof Defendant SHANNA JOHNSON’s Easy Cash ASAP, LLC
account identified by the ectount number encing int XXN4281.
Areview of those records, and more particularly the Defendant's Account, indicates that
Defendant hes defautted.
3. Plaintiff's business records for the Account of Defendant reftect thet the just and true
balance due and owing to Plaintiff by the Defendant on the Account Number referenced
above as of the date hereof March 27, 2026 is in the sum of $2,215.36, less credit for afl
payments, together with interest and other applicable costs as allowed by law,
Dated: 03/27/2024 fad (2 Reid Cox
Vice President
Easy Cash ASAP, LLC
Subscribed and Sworn to before
meon Ziti
aNE
N jotary Public
a re Castel ent
Stale of Karta
Eqre_ gl Sloe
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Uy de:
IN THE CIRCUIT COURT OF PETTIS COUNTY, MISSOURI
ASSOCIATE CIRCUIT DIVISION
Easy Cash ASAP, LLC
Plaintiff,
vs. Case No.
Division
SHANNA JOHNSON
307 W STH ST
Sedalia MO 65301
Defendant.
AFFIDAVIT OF NON-MILITARY SERVICE
STATE OF KANSAS )
)ss.
COUNTY OF JOHNSON )
I, Daniel S. Rabin/Benjamin N. Hutnick/Rebecca J. Ledford, of lawful age, affirm,
on oath state that I am the Attorney for Plaintiff or Petitioner, in the above entitled case,
and I make this affidavit pursuant to the provisions of the Service Members Civil Relief Act
of 2003; that I have caused a careful investigation to be made to ascertain whether or not
the above-named Defendant or Respondent is in the active service of the Army of the
United States, the United States Navy, the United States Marine Corps, the United States
Coast Guard, the United States Air Force, the National Guard or of any Public Health
Service detailed by proper authority for duty with the military; and, that as a result of said
investigation, I hereby state that to the best of my knowledge the Defendant or Respondent
is not in any of the above-named branches of the military service nor has the Defendant or
Respondent received notice of induction or notice to report for active service.
THE AFFIANT SAYETH NOT.
Daniel S, Rabin #37315
Benjamin N. Hutnick #63668
Rebecca J. Ledford, #73154
Signed and Affirmed to before me this yt a day of Prec ul , 2024.
errs, C,
Notary Public N
272353-18 Emily Alexandra Carballo-Contreras
Notary Public State of Kansas
My Appt Expires. oe
Preview
24PT-AC 00438 IN THE CIRCUIT COURT OF PETTIS COUNTY, MISSOURI ASSOCIATE CIRCUIT DIVISION Easy Cash ASAP, LLC Plaintiff, vs. Case No. Division SHANNA JOHNSON 307 W 5TH ST Sedalia MO 65301 Defendant. PETITION COMES NOW, Plaintiff Easy Cash ASAP, LLC and for its cause of action against Defendant SHANNA JOHNSON, states as follows: 1 This Court has original jurisdiction over this controversy, as Defendant is a resident of Missouri. Venue in this Circuit is proper because the Defendant resides in this county. 2 Plaintiff and Defendant entered into a written contract. A copy of said written contract is attached hereto and marked "Exhibit A". 3 Plaintiff fully performed as agreed 4 Defendant breached said written contract by failing to pay to Plaintiff the full agreed sum and now owes Plaintiff in the amount of $2,219.36, plus interest at the statutory rate of 9.00% from and after the date of judgment. 5 Demand has been made upon Defendant, but the balance remains due and unpaid. WHEREFORE, Plaintiff Easy Cash ASAP, LLC prays for judgment against Defendant SHANNA JOHNSON, for the sum of $2,219.36, for interest thereon at the statutory rate of 9.00% per annum from and after the date of judgment, and court costs. B N £7 RABINSPAC |) Daniel S. Rabin #37315 drabin@bermanrabin.com Benjamin N. Hutnick #63668 bhutnick@pbermanrabin.com Rebecca J. Ledford, #73154 rledford@bermanrabin.com P.O. Box 480707 Kansas City, MO 64148 Phone: 913-649-1555 ATTORNEYS FOR PLAINTIFF 272353-18 EASY CASH ASAP LLC Agreement ELECTRONIC RECORD AND SIGNATURE DISCLOSURE From time to time, Easy Cash ASAP LLC (we, us or Company) may be required by law to provide to you certain written notices or disclosures. Described below are the terms and conditions for providing to you such notices and disclosures electronically through your Easy Cash ASAP LLC user account. Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to these terms and conditions, please confirm your agreement by clicking the 'l agree! button at the bottom of this document. Getting paper copies At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. For such copies, as long as you are an authorized user of the Easy Cash ASAP LLC system you will have the ability to download and print any documents we send to you through your Easy Cash ASAP LLC user account for a limited period of time (usually 30 days) after such documents are first sent to you. After such time, if you wish for us to send you paper copies of any such documents from our office to you, you will be charged a $0.00 per-page fee. You may request delivery of such paper copies from us by following the procedure described below, Withdrawing your consent If you decide to receive notices and disclosures from us electronically, you may at any time change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format. How you must inform us of your decision to receive future notices and disclosure in paper format and withdraw your consent to receive notices and disclosures electronically is described below. Consequences of changing your mind If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain steps in transactions with you and delivering services to you because we will need first to send the required notices or disclosures to you in paper format, and then wait until we receive back from you your acknowledgment of your re of such paper notices or disclosures. To indicate to us that you are changing your mind, you must withdraw your consent using the Easy Cash ASAP LLC ‘Withdraw Consent’ form on the signing page of your Easy Cash ASAP LLC account, This will indicate to us that you have withdrawn your consent to receive required notices and disclosures electronically from us and you will no longer be able to use your Easy Cash ASAP LLC Express user account to receive required notices and consents electronically from us or to sign electronically documents from us. All notices and disclosures will be sent to you electronically Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you through your Easy Cash ASAP LLC user account all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you, To reduce the chance of you inadvertently not receiving any notice or disclosure, we preferto provide all of the required notices and disclosures to you by the same method and to the same address that you have given us. Thus, you can receive all the disclosures and notices electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please let us know as described below. Please also see the paragraph immediately above that describes the consequences of your electing not to receive delivery of the notices and disclosures electronically from us. How to contact Easy Cash ASAP LLC: You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically as follows: To contact us by email send messages to: info@easycashasap.com To advise Easy Cash ASAP LLC of your new e-mail address To let us know of a change in your e-mail address where we should send notices and disclosures electronically to you, you must send an email message to us at info@easycashasap.com and in the body of such request you must state: your previous e-mail address, your new e-mail address. We do not require any other information from you to change your email address... To request paper copies from Easy Cash ASAP LLC To request delivery from us of paper copies of the notices and disclosures previously provided by us to you electronically, you must send us an e-mail to info@easycashasap.com< and in the body of such request you must state your e-mail address, full name, US Postal address, and telephone number. We will bill you for any fees at that time, if any. To withdraw your consent with Easy Cash ASAP LLC To inform us that you no longer want to receive future notices and disclosures in electronic format you may: i, decline to sign a document from within your Easy Cash ASAP LLC account, and on the subsequent page, select the check-box Indicating you wish to withdraw your consent, or you may; ii, send us an e-mail to info@easycashasap.com and in the body of such request you must state your e-mail full name, IS Postal Address, telephone number, and account number. We do not need any other information from you to withdraw consent.. The consequences of your withdrawing consent for online documents will be that transactions may take a longer time to process.. Required hardware and software [Operating Systems: |Windows2000? or WindowsXP? Browsers (for SENDERS): Internet Explorer 6,0? or above Browsers (for SIGNERS): Internet Explorer 6.0?, Mozilla FireFox 1.0, NetScape 7.2 (or above) Email: Access to a valid email account Screen Resolution: ‘800 x 600 minimum + Allow per session cookies Enabled Security Settings: + Users accessing the internet behind a Proxy Server must enable HTTP 1.1 settings via proxy connection| 2» These minimum requirements are Subject to change. If these requirements change, we will provide you with an email message at the email address we have on file for you at that time providing you with the revised hardware and software requirements, at which time you will have the right to withdraw your consent. Acknowledging your access and consent to receive materials electronically To confirm to us that you can access this information electronically, which will be similar to other electronic notices and disclosures that we will provide to you, please verify that you were able to read this electronic disclosure and that you also were able to print on paper or electronically save this page for your future reference and access or that you were able ta e-mail this disclosure and consent to an address where you will be able to print on paper or save it for your future reference and access. Further, if you consent to receiving notices and disclosures exclusively in electronic format on the terms and conditions described above, please let us know by clicking the ‘Lagree' button below. By clicking the 'I Agree’, I confirm that: © I can access and read this Electronic CONSENT TO ELECTRONIC RECEIPT OF ELECTRONIC RECORD AND SIGNATURE DISCLOSURES document; and © I can print on paper the disclosure or save or send the disclosure to a place where | can print it, for future reference and access; and © Until or unless | notify Easy Cash ASAP LLC as described above, | consent to receive from exclusively through electronic means. all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to me by Easy Cash ASAP LLC during the course of my relationship with you. By Signing Below you are agreeing to the above terms: PRINTED NAME: SIGNATURE Shanna Johnson [Shanna Johnson DATE:2023-10-13 STAMP; SARS, Consumer Loan Agreement Date:10-13-2023 Account #: Easy Cash ASAP, LLC Customer Name: Shanna Johnson PO Box 11443 Customer Address: Overland Park, KS 66207 Customer City, State, Zip (816) 287-2041 Customer Phone # In this consumer loan agreement (the “Agreement") the words “you,” and “your” mean each and all customers who have signed it. The words “we,” “us,” and “our" mean Easy Cash ASAP, LLC, TRUTH IN LENDING DISCLOSURES EB we TOTAL PAYMENTS GE AMOUNT FINANCED The amount | will have paid after mi Fe The amount of credit Ihave made all payments as il the provided to me or on my scheduled below. ehalf. 0. Your Payment Schedule will be: NUMBER OF PAYMENTS: 20 AMOUNT OF PAYMENT: § 241.26 ‘WHEN PAYMENTS ARE DUE: Bi Weekly THE FIRST PAYMENT DUE: 2023-11-09 — PREPAYMENT : If you pay off the loan early, you will not have to pay a penalty, and you may be entitled to a refund of part of the finance charge. LATE CHARGE: If a payment is 15 days late you will be charged a 5% of the payment late charge; up to $50, subject to a minimum charge of $15. *Please see the Loan Agreement for additional information about nonpayment, default, and prepayment. NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS _ RESTRICTION OF NON-PUBLIC INFORMATION ACCESS. || Itemization of Amount Financed of $800.00 We restrict access to your non-public personal information to employees needing to know that information to assist you with $800.00 Amount given to you directly products or services. We keep the physical, electronic, and $0.00 Loan Proceeds paid on your account $0.00 Amount paid to public officials procedural safeguards required by our regulators to insure the $0.00 Amount paid to others safety of your personal information, $0.00 Loan Origination Fee $0.00 Prepaid Finance Charge INFORMATION TO NON-AFFILIATED THIRD PARTIES Since we value our relationship, we will not disclose your non- | $800.00 Amount Financed public personal information to non-affiliated third parties unless | required by law or to the extent you have expressly consented to in writing. We also do not disclose non-public personal information ‘ about former customers unless required by lav. LOAN AGREEMENT PROMISE TO PAY: You promise to pay the lender the principal sum of $800.00, plus interest thereon at the rate of 782.143% per annum until the loan is paid in full. The loan is payable in 20 payments of $ 241.26 following the payment schedule listed below: Payment Number| Payment Date| Payment Amount] Interest Amount | Principal Amount 1 2023-11-09 $241.26 $240.00 $1.26 2 2023-11-22 $241.26 $239.62 $1.64 3 2023-12-07 $241.26 $239.13 $2.13 4 2023-12-21 $241.26 $238.49 $2.77 5 2024-01-04 $241.26 $237.66 $3.60 2024-01-18 $241.26 $236.58 $4.68 2024-02-01 $241.26 $235.18 $6.08 2024-02-15 $241.26 $233.35 $7.91 2024-02-29 $241.26 $230.98 $10.28 10 2024-03-14 $241.26 $227.90 $13.36 11 2024-03-28 $241.26 $223.89 $17.37 12 2024-04-11 $241.26 $218.68 $22.58 3 2024-04-25 $241,26 $211.99 $29.36 14 2024-05-09 $241.26 $203.03 $38.17 15 2024-05-23 $241.26 $191.64 $49.62 16 2024-06-06 $241.26 $176.75 $64.50 7 2024-06-20 $241.26 $157.41 $83.85 18 2024-07-03 $241.26 $132.25 $109.01 19 2024-07-18 $241.26 $99.55 $141.71 20 [2024-08-01 $241.26 $57.04 $184.22 LOAN ORIGINATION FEE: You agree to pay a loan origination fee of $0.00. SECURITY INTEREST : If you have chosen the ACH Debit Authorization option, your ACH authorization is security for this loan. DEFAULT: In the event you default on the loan, the lender may, after praviding all notices required by law, demand payment in full at once, and exercise any and all rights as a secured party per the Uniform Commercial Cade. SAME DAY ORIGINATION FEE: If you opt for same day funding, you will be assessed a fee of $20 to cover the same day origination costs. The fee will be assessed on the first payment. RETURNED CHECK FEE: If any instrument is returned for any reason by any financial institution, you agree to pay a fee of $25, plus the amount charged the lender by the financial institution for processing the refused instrument. ATTORNEY FEES & COURT COSTS: If it becomes necessary to file suit to collect this loan, you agree to pay attorney fees and court costs pursuant to section 408.140 RSMO, 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 a consumer reporting agency or other sources. 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. PAYMENT BY CHECK OR MONEY ORDER: You may pay each payment owing under this Agreement by check or money order. Checks/Money Orders must be received by the date due listed above. Checks/Money Orders received early will be processed on the date due unless otherwise requested by the customer. CHECK CONVERSION NOTICE: By providing a check as payment, you authorize and agree that we may either use information from your check to make a one-time electronic withdrawal from your account or to process the payment as a check transaction. When we make an electronic withdrawal funds may be withdrawn as soon as the same day we receive your payment. You will not receive your check back from your bank. REFINANCE POLICY: We, in our sole discretion, will determine if your Loan may be refinanced. REFUND POLICY: If you have paid an excess charge, you reserve the right to a refund. A refund may be made whole or in part by reducing your debt obligation by the amount of the excess charge. We reserve the right to refund the excess amount to you directly, rather than reducing your debt obligation. BORROWER'S BANK CHARGES: You agree you will not hold us or our agents responsible for any fees you must pay as a result of any check or withdrawal request being presented at your bank in connection with this Agreement. TELEPHONE CALLS: You agree and acknowledge that in the event we need to contact you to discuss your account or the repayment of your Loan. WE MAY CALL YOU AT ANY NUMBER YOU HAVE PROVIDED TO US. You further agree that we may leave an autodialed or prerecorded message or use other technology (including, but not limited to, SMS messaging or other text messaging) to contact or to communicate with you. ACKNOWLEDGEMENTS: By electronically signing this agreement you warrant and represent that the information you have given us is true and correct. You authorize us to verify your information, and you give consent for us to obtain information about you from a consumer reporting agency or other sources. You warrant and represent that you have read, understand, and agree to all of the terms and conditions of this Agreement, including the disclosures and Arbitration Agreement and waiver of any jury trial (notwithstanding the "Opt Out Option" described above). You warrant and represent that this Agreement contains all of the terms of the agreement between you and us and that no representations or promises other than those contained in this Agreement have been made. You warrant and represent that, if you agreed to ACH Debit Authorization, you specifically authorize withdrawals and deposits to and from your bank account as described in this Agreement. You warrant and represent that you have the ability to print or retain a completed copy of this Agreement. However, if you send a written request for a copy of the Agreement, we will provide one to you, free of charge. You warrant and represent that you are not a debtor under any proceeding bankruptcy, insolvency or reorganization, and have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code. You further warrant and represent that we may withhold funding of your Loan until we verify that all the information you gave us is correct, CANCELLATION OF THE LOAN: YOU HAVE THE RIGHT TO CANCEL THIS LOAN WITHIN THREE (3) DAYS AFTER THE DATE THIS AGREEMENTIS SIGNED. TO DO SO YOU MUST RETURN THE MONEY WHICH WE DEPOSITED IN YOUR ACCOUNT, ALLOW US TO WITHDRAW THE MONEY FROM YOUR ACCOUNT, OR RETURN THE MONEY BY MAILIF YOU DID NOT SELECT THE ACH DEBIT AUTHORIZATION. TO NOTIFY US OF A VALID CANCELLATION PLEASE CALL (816) 287-2041 , OR CONTACT US VIA EMAIL AT: customerservice@easycashasap.com 1 AGREE By Sig ig Below you are agreeing to the above terms: PRINTED NAME: SIGNATURE Shanna Johnson |Shanna Johnson' DATE:2023-10-13 STAMP: QD EASY CASH ASAP, LLC AUTHORIZATION AGREEMENT DIRECT PAYMENTS (ACH DEBITS) By utilizing the e-sign below, | authorize Easy Cash ASAP, LLC, to withdraw my scheduled loan payment from the account indicated below via Checking on or about the timing & frequency of the payment schedule listed in the consumer loan agreement. | further authorize Easy Cash ASAP, LLC to adjust this withdrawal to refiect any additional fees, charges, or credits to my account authorized by this Note. CENTRAL BANK OF SEDALIA Shanna Johnson (Financial Institution) (Customer Name) Type of Account: Checking os Ea (Routing/Transit Number) (Account Number) | agree that, in the event that any withdrawal authorized in accordance with this authorization is rejected, Easy Cash ASAP, LLC may attemptup to two more times to initiate it. | understand that my bank may impose fees in connection with rejected withdrawals, and I agree that Easy Cash ASAP, LLC does not have any liability for such fees. If know that a withdra’ will be rejected by my bank (due to insufficient funds), | should contact y Cash ASAP, LLC so that alternate arrangements can be made. | understand that withdrawals are subject to applicable law ar network rules, | understand that this authorization and the services undertaken by Easy Cash ASAP, LLC in no way alters or lessens my obligations under the loan agreement, understand and acknowledge that this jorization is not a condition to obtaining this loan and that | may terminate this authorizatio at any time (including prior to my first payment due date) by contacting Easy Cash ASAP, LLC di actly at the address and/or telephone number listed on the first page of my agreement and within a timeframe as to afford Easy Cash ASAP, LLC and my bank a reasonable opportunity to act on my request. | will then be instructed to provide a written request to Easy Cash ASAP, LLC to revoke the ACH authorization. In the event that this occurs, Easy Cash ASAP, LLC will comply with my termination request within three business days. Terminating is authorization does not affect my obligation to repay the amou jue under my Agreement. 1 AGREE By Signing Below you are agreeing to the above terms: PRINTED NAME: SIGNATURE Shanna Johnson. Shanna Johnson DATE:2023-10-13 1 TD EASY CASH ASAP, LLC AUTHORIZATION AGREEMENT DIRECT PAYMENTS (Remotely Created Check/Order) By utilizing the e-sign below, | authorize Easy Cash ASAP, LLC, to withdraw my scheduled loan payment from the account indicated below via Remotely Created Check/Order on or about the timing & frequency of the payment schedule listed in the consumer loan agreement. | further authorize Easy Cash ASAP, LLC to adjust this withdrawal to reflect any additional fees, charges, or credits to my account authorized by this Note. CENTRAL BANK OF SEDALIA Shanna Johnson (Financial Institution) (Customer Name) Smtiins —Eeas hecking ‘ (Routing/Transit Number) (Account Number) Account Type A Remotely Created Check/Order may also be known as a remotely created check, remotely created payment order, electronic payment order, demand draft, bank check, paper draft, or other similar device. J agree that, in the event that any withdrawal authorized in accordance with this authorization is rejected, Easy Cash ASAP, LLC may attempt up to two more times to initiate it. | understand that my bank may impose fees in connection with rejected withdrawals, and | agree that Easy Cash ASAP, LLC does not have any liability for such fees. If | know that a withdrawal will be rejected by my bank (due to insufficient funds), | should contact Easy Cash ASAP, LLC so that alternate arrangements can be made. | understand that withdrawals are subject to applicable law and network rules. | understand that this authorization and the services undertaken by Easy Cash ASAP, LLC in no way alters or lessens my obligations under the loan agreement, J understand and acknowledge that this authorization is not a condition to obtaining this loan and that | may terminate this authorization at any time (including prior to my first payment due date) by contacting Easy Cash ASAP, LLC directly at the address and/or telephone number listed on the first page of my agreement and within a timeframe as to afford Easy Cash ASAP, LLC and my bank a reasonable opportunity to act on my request. | will then be instructed to provide a written request to Easy Cash ASAP, LLC to revoke the Remotely Created Check/Order authorization. In the event that this occurs, Easy Cash ASAP, LLC will comply with termination request within three business days. Terminating this authorization does not affect my obligation to repay the amount due under my Agreement. 1 AGREE By Signing Below you are agreeing to the above terms: PRINTED NAME: SIGNATURE Shanna Johnson DATE:2023-10-13 STAMP: PRIVACY POLICY DISCLOSURE Regarding non-public personal information of customers of Easy Cash ASAP, LLC EFFECTIVE DECEMBER 1, 2013. This Disclosure covers all personally identifiable information about present or past customers regarding their present or past relationship with Easy Cash ASAP, LLC. Policy regarding providing non-public information about you or your transactions to outside marketers: Easy Cash ASAP, LLC does not provide personal information about you or your transactions to outside companies for the purpose of their marketing services or goods to you. Policy regarding providing information about you or your transactions to affiliated companies: Easy Cash ASAP, LLC may share Information about your transactions with its affiliated companies, including information you provided on your application, verification of such information, or an assessment of your transactions with individuals or companies listed in your application. Information may also be provided to consumer reporting agencies such as Clarity and/or Microbilt and/or their respective subscribers. Policy regarding providing information about you or your transactions to unaffiliated third parties: Easy Cash ASAP, LLC shares non- public information on your current or past transactions with consumer reporting agencies, including but not limited to Clarity and/or Microbilt and/or their respective subscribers, We also share such information with any law firms or collection agencies we engage in the collection of any debt owed us and/or to protect our contractual or other rights. Easy Cash ASAP, LLC may share your non-public, personal information to the extent you have expressly consented to the same in writing. Other situations where disclosure of your non-public information may be required: Easy Cash ASAP, LLC may be required to share your ‘non-public personal information as required by federal, state or local laws or by court order. Policy regarding categories of non-public personal information collected on you by us: The information collected on you is categorized as follows: (1) Information you provided on your application. (2) Verification of such information and/or assessment of your transactions with individuals or companies listed in your application, (3) Information provided by consumer reporting agencies such as Clarity and/or Microbilt and/or their respective subscribers. In-house policy on keeping your personal information secure: All personnel of Easy Cash ASAP, LLC with access to your private personal information are required to maintain the confidentiality of that information while employed with the company and upon their separation there from, Employees who fail to maintain this confidentiality are subject to disciplinary procedures. The company maintains file and computer safeguards both during and after hours of business. You hereby consent to Easy Cash ASAP, LLC disclosing your non-public personal information in accordance with the privacy policy. YOU ACKNOWLEDGE RECEIPT OF A COPY OF: (1) A SEPARATE CREDIT SERVICES DISCLOSURE STATEMENT BEFORE EXECUTING THIS AGREEMENT OR PAYING ANY FEE OR OTHER CONSIDERATION, (2) THIS CREDIT SERVICES AGREEMENT AND DISCLOSURE STATEMENT, INCLUDING PRIVACY POLICY, WITH ALL NECESSARY SPACES COMPLETED AND TWO ATTACHED NOTICES OF CANCELLATION. (3) 2 COPIES OF NOTICE OF CANCELLATION FORM, (4) ACH AUTHORIZATION, AND (5) ANY OTHER DOCUMENT THAT YOU HAVE BEEN REQUESTED TO SIGN. | AGREE By Signing Below you are agreeing to the above terms: PRINTED NAME: SIGNATURE Shanna Johnson Shanna Johnson’ DATE:2023-10-13) STAMP. a. * WAIVER OF JURY TRIAL AND ARBITRATION PROVISION Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an “arbitrator) for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. We have a policy of arbitrating all disputes with customers which cannot be resolved in a small claims tribunal, including the scope and validity of this Arbitration Provision and any right you may have to participate in an alleged class action, THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: For purposes of this Waiver of Jury Trial and Arbitration Provision, 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 the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to the Loan Agreement, the information you gave us before entering into this Agreement, including the customer information application, and/or any past 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 us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as “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 (hereinafter referred to as "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. 1 You acknowledge and agree that by entering into this Arbitration Provision: a.YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; b.YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and c. 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 FILED AGAINST US AND/OR RELATED THIRD PARTIES, Except as provided in Paragraph 5 below, all disputes including any Representative Claims against us and/or related third parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has been filed. Regardless of who demands arbitration, you shall have the right to select any of the following arbitration organizations to administer the arbitration: the American Arbitration Association (1-800-778-7879) http://www.adr.org or JAMS (1-800-352-5267) http://www.jamsadr.com. The parties may also agree to select an arbitrator who resides within your federal judicial district who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association, and arbitrate in accordance with such arbitrator's rules, The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If youdemand arbitration, you must inform-us in-your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we jemand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your decision to select an arbitration organization. If you fail to notify us, then we have the right to select an arbitration organization. The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Arbitration Provision, including the limitations on the arbitrator below. You may obtain a copy of the rules and procedures by contacting the arbitration organization listed above, Regardless of who demands arbitration, at your request we will pay your portion of the arbitration expenses, including the filing, administrative, hearing and arbitrator's fees (‘Arbitration Fees"), Throughout the arbitration, each party shall bear his or her own attorneys’ fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law consistent with the FAA, and applicable statutes of limitation, and shall honor claims of privilege recognized at law. The arbitration hearing will be conducted in the county of your residence. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration proceeding, the arbitrator shall hot apply any federal or state rules of civil procedure or evidence. If allowed by statute or applicable law, the arbitrator may award statutory damages and/or reasonable attorneys' fees and expenses. If the arbitrator renders a decision or an award in your favor resolving the dispute, we will reimburse you for any Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator shall provide a written explanation for the award, The arbitrator's award may be filed with any court having jurisdiction, All parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal in the county of your residence for disputes within the scope of such tribunal's jurisdiction, Any dispute which cannot be adjudicated within the jurisdiction of a small claims tribunal shall be resolved by binding arbitration. Any appeal of a judgment fram a small claims tribunal shall be resolved by binding arbitration, 6. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. If a final non- appealable judgment of a court having jurisdiction over this transaction finds, for any reason, that the FAA does not apply to this transaction, then our agreement to arbitrate shall be governed by the arbitration law of the State of Missouri. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. This Arbitration Provision continues in full force and effect, even if your obligations have been paid or discharged through bankruptcy. This Arbitration 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. If any of this Arbitration Provision is held invalid, the remainder shall remain in effect. OPT-OUT PROCESS. You may choose to opt out of the Arbitration Provision, but only by following the process set-forth below. If you do not wish to be subject to this Arbitration Provision, then you must notify us in writing within sixty (60) calendar days of the date of your loan at the Lender's address provided at the top of this agreement Your written notice must include your name, address, account number or social security number and a statement that you wish to opt out of this Arbitration Provision. Please note that this Loan Agreement contains a binding arbitration provision. You also warrant that you are not a debtor under any proceeding in bankruptcy and have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code. You acknowledge that you have read, understand, and agree to all of the terms of this Loan Agreement, including the "Waiver of Jury Trial and Arbitration Provision". | AGREE By Signing Below you are agreeing to the above terms: PRINTED NAME: SIGNATURE Shanna Johnson Shanna Johnson DATE:2023-10: STAM Court Document Notan Official Court Document Notan Official Court Document. Nore 2 1 Official Comt Document Notan Official Comt Document Wotan Official Court Dornmel} = ( Notan Official Court Document Notan Official Comt Document Nutan Official Cow] Document Not an Official Comt Document Notan Official Com Docwnent Not an O flee al Court Document Not an Official Court Document Not an Official Court Document nd 2 an 0 flicial Court Doc ument Notan OfficialCo’ nent Not an 0 ficial Court bons au = Notan Official Court von Mh Offietal Li fiment Notan Official € our «Document Notan 0 a Q Yon Notan Official Frocnment WNotan Offi cial Court Document fficial Court Document Notan 0 rart Document Me tan Official Court Document Notan Official Comt Decninent Notan Official Court Docnn rent swvan otis col tans Notan Official Court Loc Not an Officinl Com &. wt Document Notan omy: or Document Notan Offic t Decuinent Notan Of ficial Cont Dormment Netan Does an Official Court Document N locan Official Com Document Netan Official Conrt Dinenment Netan Official Canrt Dnen auent Notan Official Comt Document Not an Official Com Docume Notan Official Co wrt Document Not an Official Court Document Not an Official Court Document Notan O Mficial Cowt Document Not an Official Comt Document Notan Official Court Dernment Not an Official Court Document Not an Official Court Document Notan Official Cows Do STATE OF KANSAS, } ] 55. COUNTY OF JOHNSON ) AFFIDAVIT OF ACCOUNT The undersigned affiant, bring first duly sworn, Ceposes and states a5 follows, to-wit: 1. (SJhe is a designated agent, end 2 competent person over eighteen years of age. (S)he ise Custodian of Records for Easy Cash ASAP, LLC, the Plaintiff herein (hereinafter “Plaintif{")_ 4s 2 custodian of records for Plaintifi, {sJhe is authorized to execute this affidavit on behalf of Plaintiff ané the information below is true and correct to the best af her knowledge, information and belief. (5}he is familiar with the methoe of preperation and maintenance af said baoks and records and beReve them to be true and correct, with entries thereon having been: made in the ordinary course of business, at or near the time of the transaction giving rise to each entry. In the ordinary course of business Pizintiff regularly issues Insta!lment loan sgreements, account records and/or other credit lines. 3. Pisintiff is the current ownerof Defendant SHANNA JOHNSON’s Easy Cash ASAP, LLC account identified by the ectount number encing int XXN4281. Areview of those records, and more particularly the Defendant's Account, indicates that Defendant hes defautted. 3. Plaintiff's business records for the Account of Defendant reftect thet the just and true balance due and owing to Plaintiff by the Defendant on the Account Number referenced above as of the date hereof March 27, 2026 is in the sum of $2,215.36, less credit for afl payments, together with interest and other applicable costs as allowed by law, Dated: 03/27/2024 fad (2 Reid Cox Vice President Easy Cash ASAP, LLC Subscribed and Sworn to before meon Ziti aNE N jotary Public a re Castel ent Stale of Karta Eqre_ gl Sloe i 08 Uy de: IN THE CIRCUIT COURT OF PETTIS COUNTY, MISSOURI ASSOCIATE CIRCUIT DIVISION Easy Cash ASAP, LLC Plaintiff, vs. Case No. Division SHANNA JOHNSON 307 W STH ST Sedalia MO 65301 Defendant. AFFIDAVIT OF NON-MILITARY SERVICE STATE OF KANSAS ) )ss. COUNTY OF JOHNSON ) I, Daniel S. Rabin/Benjamin N. Hutnick/Rebecca J. Ledford, of lawful age, affirm, on oath state that I am the Attorney for Plaintiff or Petitioner, in the above entitled case, and I make this affidavit pursuant to the provisions of the Service Members Civil Relief Act of 2003; that I have caused a careful investigation to be made to ascertain whether or not the above-named Defendant or Respondent is in the active service of the Army of the United States, the United States Navy, the United States Marine Corps, the United States Coast Guard, the United States Air Force, the National Guard or of any Public Health Service detailed by proper authority for duty with the military; and, that as a result of said investigation, I hereby state that to the best of my knowledge the Defendant or Respondent is not in any of the above-named branches of the military service nor has the Defendant or Respondent received notice of induction or notice to report for active service. THE AFFIANT SAYETH NOT. Daniel S, Rabin #37315 Benjamin N. Hutnick #63668 Rebecca J. Ledford, #73154 Signed and Affirmed to before me this yt a day of Prec ul , 2024. errs, C, Notary Public N 272353-18 Emily Alexandra Carballo-Contreras Notary Public State of Kansas My Appt Expires. oe