FIRST UNITED BANK AND TRUST CO. v. HERSCHEL CURTIS HAWKINS

IN THE DISTRICT COURT OF BRYAN COUNTY STATE OF OKLAHOMA FIRST UNITED BANK AND TRUST CO, Plaintiff, vs. HERSCHEL CURTIS HAWKINS, Defendant. PETITION COMES NOW Plaintiff, FIRST UNITED BANK AND TRUST CO., ("FUB") for its cause of action against the defendant HERSCHEL CURTIS HAWKINS, (Defendant) alleges and states as follows: PARTIES, JURISDICTION, AND VENUE 1. Plaintiff is an Oklahoma state-chartered bank with offices in Durant, Bryan County, Oklahoma. 2. Defendant, HERSCHEL CURTIS HAWKINS is an individual, residing in Bryan County, Oklahoma. 3. Jurisdiction is appropriate under Okla. Const. Art. 7, Sec. 7. 4. Venue is proper pursuant to 12 O.S. §§ 131 and 137. FACTS AND THEORIES OF RECOVERY A. Loan No. 520179382 5. On or about March 2, 2020, Defendant HERSCHEL CURTIS HAWKINS individually for good and valuable consideration, made, executed and delivered to Plaintiff a certain promissory note (9382) in the original principal sum of $15,282.95, with interest thereon at the fixed rate of 16.240% per annum and due on March 1, 2024. A true and correct copy of Note 9382 is attached hereto and incorporated herein as Exhibit A. 6. Defendant HERSCHEL CURTIS HAWKINS has defaulted under the terms of Note 9382 by failing to make the payments and Plaintiff has elected to accelerate the unpaid balance of Note 9382 as provided in the note and the unpaid principal on said note is $2428.82 as of 9/20/2024. B. Loan No. 520215511 7. On or about December 16, 2020, Defendant HERSCHEL CURTIS HAWKINS individually for good and valuable consideration made, executed and delivered to Plaintiff a certain promissory note (5511) in the original principal sum of $3,660.00, with interest thereon at the fixed rate of 17.990% per annum and due on December 15, 2022. A true and correct copy of Note 5511 is attached hereto and incorporated herein as Exhibit B. 8. Defendant HERSCHEL CURTIS HAWKINS has defaulted under the terms of Note 5511 by failing to make the payments and Plaintiff has elected to accelerate the unpaid balance of Note 5511 as provided in the note and the unpaid principal on said note is $536.28 as of 9/20/2024. C. Loan No. 403362601 9. On or about February 28, 2022, Defendant HERSCHEL CURTIS HAWKINS individually for good and valuable consideration, made, executed and delivered to Plaintiff a certain promissory note (2601) in the original principal sum of $35,810.00, with interest thereon at the fixed rate of 8.490% per annum and due on March 8, 2026. A true and correct copy of Note 2601 is attached hereto and incorporated herein as Exhibit C. 10. Defendant HERSCHEL CURTIS HAWKINS has defaulted under the terms of Note 2601 by failing to make the payments and Plaintiff has elected to accelerate the unpaid balance of Note 2601 as provided in the note and the unpaid principal on said note is $18,017.74 as of 9/20/2024. D. Loan No. 403367360 11. On or about March 22, 2022, Defendant HERSCHEL CURTIS HAWKINS individually for good and valuable consideration made, executed and delivered to Plaintiff a certain promissory note (7360) in the original principal sum of $4,300.00, with interest thereon at the fixed rate of 9.990% per annum and due on March 22, 2023. A true and correct copy of Note 7360 is attached hereto and incorporated herein as Exhibit D. 12. Defendant HERSCHEL CURTIS HAWKINS has defaulted under the terms of Note 7360 by failing to make the payments and Plaintiff has elected to accelerate the unpaid balance of Note 7360 as provided in the note and the unpaid principal on said note is $4,300.00 as of 9/20/2024. E. Loan No. 520276567 13. On or about April 1, 2022, Defendant HERSCHEL CURTIS HAWKINS individually for good and valuable consideration made, executed and delivered to Plaintiff a certain promissory note (6567) in the original principal sum of $615.00, with interest thereon at the fixed rate of 17.980% per annum and due on May 2, 2023. A true and correct copy of Note 6567 is attached hereto and incorporated herein as Exhibit E. 14. Defendant HERSCHEL CURTIS HAWKINS has defaulted under the terms of Note 6567 by failing to make the payments and Plaintiff has elected to accelerate the unpaid balance of Note 6567 as provided in the note and the unpaid principal on said note is $440.86 as of 9/20/2024. E. Loan No. 403375074 15. On or about April 27, 2022, Defendant HERSCHEL CURTIS HAWKINS individually for good and valuable consideration made, executed and delivered to Plaintiff a certain promissory note (5074) in the original principal sum of $65,292.19, with interest thereon at the fixed rate of 8.240% per annum and due on May 6, 2027. A true and correct copy of Note 5074 is attached hereto and incorporated herein as Exhibit F. 16. Defendant HERSCHEL CURTIS HAWKINS has defaulted under the terms of Note 5074 by failing to make the payments and Plaintiff has elected to accelerate the unpaid balance of Note 5074 as provided in the note and the unpaid principal on said note is $43,792.77 as of 9/20/2024. F. Loan No. 520249042 17. On or about August 30, 2021, Defendant HERSCHEL CURTIS HAWKINS individually for good and valuable consideration made, executed and delivered to Plaintiff a certain promissory note (9042) in the original principal sum of $44,622.00, with interest thereon at the fixed rate of 9.99000% per annum and due on September 10, 2027. A true and correct copy of Note 9042 is attached hereto and incorporated herein as Exhibit G. 18. Defendant HERSCHEL CURTIS HAWKINS has defaulted under the terms of Note 9042 by failing to make the payments and Plaintiff has elected to accelerate the unpaid balance of Note 9042 as provided in the note and the unpaid principal on said note is $8,113.76 as of 9/20/2024. 19. Pursuant to Title 15 U.S.C.A. §1692(g) Fair Debt Collection Practices Act. Unless the person or entity responsible for payment of the above debt, within thirty (30) days after receipt of this notice disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid, and if said person that the debt or any portion thereof, is disputed, said attorney will obtain verification of the debt and a copy of such verification will be mailed to said person or entity by the undersigned attorney for Plaintiff; and upon a written request by you within the thirty (30) day period, undersigned attorney for Plaintiff will provide the name and address of the original creditor, if different from the current creditor. 20. Defendant HERSCHEL C. HAWKINS has defaulted under the terms of the Notes’ 9382, 5511, 2601, 7360, 6567, 5074, and 9042 by failing to make payments. Plaintiff has elected to accelerate the unpaid balance of these Notes, as provided in Notes 9362, 5511, 2601, 7360, 6567, 5074, and 9042. As a result, the Plaintiff is entitled to recover all amounts due and owing under the Notes as follows: <table> <tr> <th>Note</th> <th>Prin.</th> <th>Interest</th> <th>Late charges</th> <th>Other charges</th> </tr> <tr> <td>a. 9382</td> <td>$2,428.82</td> <td>$804.77</td> <td>$157.50</td> <td></td> </tr> <tr> <td>b. 5511</td> <td>$536.28</td> <td>$15.07</td> <td>$22.50</td> <td></td> </tr> <tr> <td>c. 2601</td> <td>$18,017.74</td> <td>$2,208.58</td> <td>$398.88</td> <td>$5,097.82</td> </tr> <tr> <td>d. 7360</td> <td>$4,300.00</td> <td>$524.25</td> <td>$170.00</td> <td></td> </tr> <tr> <td>e. 6567</td> <td>$440.86</td> <td>$15.85</td> <td>$54.00</td> <td></td> </tr> <tr> <td>f. 5074</td> <td>$43,792.77</td> <td>$4,463.83</td> <td>$669.10</td> <td></td> </tr> </table> g. 9042 $8,113.76 $3,190.08 $82.90 *(All Interest and late charges are computed up through 9/18/2024 but both continue to accrue until paid, as provided in each separate Note document.) ** (All Notes provide that a reasonable attorney’s fee and court costs will be provided as on each individual Note.) 21. FUB is entitled to reasonable attorney fees and its reasonable costs of collection under the terms of each contract and under 12 O.S. § 936. WHEREFORE PREMISES considered, FUB prays for judgment against Defendant, HERSCHEL C. HAWKINS in the sum of $ 77,630.23 as of 11/07/2025 and all contractual charges as set forth in Promissory Notes A, B, C, D, E, F, and G above plus FUB’s court costs and a reasonable attorney’s fee, and any and all such further relief permitted by law. Respectfully, [Signature] Kara Bacon, OBA No. 30008 Bacon Law, PLLC 605 W. Evergreen St. P.O. Box 1913 Durant, Oklahoma 74702 Telephone 580.745.1214 Attorney for Plaintiff STATE OF OKLAHOMA ) COUNTY OF BRYAN ) VERIFICATION JACOB TOL, of lawful age, being first duly sworn, upon oath states that I am the Director of Special Assets of First United Bank and Trust Co., that I have read the foregoing Petition that I am familiar with the matters set forth therein, and that the same are true to the best of my knowledge. JACOB TOL Subscribed and sworn to before me this 2nd day of March, 2026. Notary My Comm. Expires: Sept 14, 2027 My Comm. No.: 23012464 JESSIE IVEY Notary Public in and for State of Oklahoma 23012464 My Commission Expires Sept. 14, 2027 UFirstUnited PROMISSORY NOTE <table> <tr> <th>Principal</th> <th>Loan Date</th> <th>Maturity</th> <th>Loan No</th> <th>Cell / Cell Reg</th> <th>Account</th> <th>Officer SKP</th> <th>Initials</th> </tr> <tr> <td>$15,292.85</td> <td>03-02-2020</td> <td>03-01-2024</td> <td>520179382</td> <td></td> <td></td> <td></td> <td></td> </tr> </table> References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Any item above containing "****" has been omitted due to length limitations. Borrower: Herschel C. Hawking PO Box 505 Cadee, OK 74729 Lender: First United Bank and Trust Co. Colbert Community Bank 1018 E Route 7 PO Box 340 Colbert, OK 74733 Principal Amount: $15,292.85 Interest Rate: 18.240% Date of Note: March 2, 2020 PROPOSE TO PAY. I ("Borrower") promise to pay to First United Bank and Trust Co. ("Lender"), or order, in lawful money of the United States of America, the principal amount of Fifteen Thousand Two Hundred Eighty-two & 85/100 Dollars ($15,292.85), together with interest on the unpaid principal balance from March 2, 2020, calculated as described in the "INTEREST CALCULATION METHOD" paragraph using an interest rate of 18.240 percent per annum, when paid in full. The interest rate may change under the terms and conditions of the "INTEREST AFTER DEFAULT" section. PAYMENT. I will pay this loan in 47 payments of $415.01 each payment end an irregular last payment estimated at $435.09. My first payment is due April 2, 2020, and all subsequent payments are due on the same day of each month after that. My final payment will be due on March 1, 2024, and will be for all principal and all accrued interest not yet paid. Payments include principal and interest. Unless otherwise agreed or required by applicable law, payments will be applied first to any accrued unpaid interest; then to principal; then to any late charges; and then to any unpaid collection costs. I will pay Lender at Lender's address shown above or at such other place as Lender may designate in writing. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/365 simple interest basis; that is, by applying the rate of the interest rate over the number of days in a year (365 for all years, including leap years), multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. All interest payable under this Note is computed using this method. PREPAYMENT. I agree that all loan fees and other prepaid finance charges are earned fully as of the date of the loan and will not be refunded to me upon early payment (whether voluntary or as a result of default), except as otherwise required by law. Except for the foregoing, I may pay this note in full at any time without penalty, subject to applicable law. Any prepayment will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments under the payment schedule. Rather, such prepayment will reduce the principal amount due and may result in my making fewer payments. I agree not to send Lender payments marked "paid in full", "without recourse", or similar language. If I send such a payment, Lender may accept it without losing any of Lender's rights under this Note, and I will remain obligated to pay any further amounts owed hereunder. If I send a check or other payment instrument that indicates that the payment consists of "payment in full" of the amount owed or that is tendered with any conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered to: First United Bank and Trust Co., Altin Loan Operations, PO Box 130, Okmulgee, OK 74401. LATE CHARGE. If a payment is 11 days or more late, I will be charged 5.0000% of the unpaid portion of the regularly scheduled payment or regularly scheduled minimum payment if greater. However, Lender may charge the maximum delinquency charge authorized by law as it may be increased during the term of this loan. INTEREST AFTER DEFAULT. If Lender declares my entire loan immediately due after a default, or upon final maturity, then the total sum due under this Note will accrue interest from the date of acceleration or maturity at the interest rate under this Note until paid in full. DEFAULT. I will be in default under this Note if any of the following happen: Payment Default. I fail to make any payment when due under this Note. Brake Other Promises. I break any promise made to Lender or fail to perform promptly at the time and strictly in the manner provided in this Note or in any agreement related to this Note, or in any other agreement which I have with Lender. Default In Favor of Third Parties. I or any Grantor default under any loan, extension of credit, security agreement, purchase or sales agreement, or any other agreement, in favor of any other creditor or person that may materially affect any of my property or my ability to repay this Note or perform my obligations under this Note or any of the related documents. False Statements. Any representation or statement made or furnished to Lender by me or on my behalf under this Note or the related documents is false or misleading in any material respect, either now or at the time made or furnished. Death or Insolvency. Any Borrower dies or becomes insolvent; a receiver is appointed for any part of my property; I make an assignment for the benefit of creditors; or any proceeding is commenced either by me or against me under any bankruptcy or insolvency laws. Withdrawal of Title. If, by reason of any action of an agency under any authority of the county or state, any interest of mine in property in which Lender has an interest is taken, seized, attached, or otherwise removed from my account with Lender. However, if a dispute in good faith whether the claim on which the taking of the property is based is valid or reasonable, and if I give Lender written notice of the claim and furnish Lender with monies or a surety bond satisfactory to Lender to satisfy the claim, then this default provision will not apply. Defective Collateralization. This Note or any of the related documents ceases to be in full force and effect (including failure of any collateral document to create a valid and perfected security interest or lien) at any time and for any reason. Collateral Damage or Loss. Any collateral securing this Note is lost, stolen, substantially damaged or destroyed and the loss, theft, substantial damage or destruction is not covered by insurance. Events Affecting Guarantee. Any of the preceding events occurs with respect to any guarantor, endorser, surety, or accommodation party as of which the Note is not then secured, or if any of them is declared insolvent, or apparently unable to discharge its obligations, or if it becomes inconsistent, or incapable of disputing the validity of, or liability under, any guarantee of the indebtedness evidenced by this Note. Cure Provisions. If any default, other than a default in payment, is curable and if I have not been given a notice of a breach of the same provision of this Note within the preceding twelve (12) months, it may be cured if: (1) alter Lender sends written notice to me demanding cure of such default; (1) cure the default within fifteen (15) days; or (2) if the cure requires more than fifteen (15) days, immediately thereafter. If Lender deems my Lender receives a decision to be sufficient to cure the default and thereafter continues and complete all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical thereafter. LENDER'S RIGHTS. If I am in default, Lender may, in addition to any other rights Lender has declare my entire loan immediately due, without notice. I will then pay Lender the unpaid part of the Principal Amount, any Interest that is earned but unpaid, and any reasonable collection costs. ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else who is not Lender's salaried employee to help collect this Note if I do not pay. I will pay Lender that amount. This includes Lender’s attorneys’ fees, however not to exceed fifteen percent (15%) of the unpaid debt and interest, and Lender’s expenses, whether or not there is a lawsuit, including without limitation of attorneys’ fees and legal expenses for bankruptcy proceedings (including efforts to avoid attachment or stay or injunction), and appeals. If not prohibited by applicable law, I also will pay any court costs, in addition to all other sums provided by law. JURY WAIVER. Lender and I hereby waive the right to any jury trial in any action, proceeding, or counterclaim brought by either Lender or me against the other. GOVERNING LAW. This Note will be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the laws of the State of Oklahoma without regard to its conflicts of law provisions. This Note has been accepted by Lender in the State of Oklahoma. DISHONORED ITEM FEE. I will pay a fee to Lender of $25.00 if I make a payment on my loan and the check or other payment order including any preauthorized charge with which I pay is later dishonored. RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all my accounts with Lender (whether PROMISSORY NOTE (Continued) Loan No: 520179382 This includes all accounts I hold jointly with someone else and all accounts I may open in the future. However, this does not include any IRA or Keogh accounts, or any trust accounts for which such funds would be prohibited by law. I authorize Lender, to the extent permitted by applicable law, to charge or offset all sums owing on the indebtedness against any and all such accounts, and, at lender's option, to administratively freeze all such accounts to allow Lender to protect Lender's charge and offset rights provided in this paragraph. COLLATERAL. I acknowledge this Note is secured by the following collateral described in the security instrument listed herein: (A) a Consumer Security Agreement dated March 2, 2020 made and executed between Herschel C. Hawkins and Lender on collateral described as: a motor vehicle and title, and others. SUCCESSOR INTERESTS. The terms of this Note shall be binding upon me, and upon my heirs, personal representatives, successors and assigns, and shall inure to the benefit of Lender and its successors and assigns. NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. I may notify Lender if Lender reports any inaccurate information about my account(s) to a consumer reporting agency. My written notice describing the specific inaccuracy(ies) should be sent to Lender at the following address: First United Bank and Trust Co Alto Loan Operations PO Box 380 Durant, OK 74702-0380. GENERAL PROVISIONS. If any part of this Note cannot be enforced, this fact will not affect the rest of the Note. Lender may delay or forgo enforcing all or its rights or remedies under this Note without losing them. I and any other person who signs or endorses this Note, to the extent that the same is not a guarantor or endorsee, demand for payment, and notice of disbursement. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party signing this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. All such parties agree that Lender may renew or extend (renewal term and for any length of time) this obligation, without any party or guarantor or collateral; or impair, fail to realize upon or perfect Lender's security interest as more hereinafter. All such parties also agree that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several. This means that the words "I", "me", and "my" mean each and all of the persons signing below. PRIOR TO SIGNING THIS NOTE, I READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE. I AGREE TO THE TERMS OF THE NOTE. I ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE. BORROWER: Herschel C. Hawkins Account Inquiry - Consumer Non RE 365 Account Name and Address: Herschel C Hawkins (Bad Address) Payment Date: 08/01/2022 Payment Amount: $435.01 Collateral: Collateral: 102-Auto Used Force Placed Insurance: Force Placed Insurance: Balance: Original Loan Amount: $15,282.95 Current Balance: $2,428.82 Partial Paid Amount: $0.00 Payment Type: 0-Scheduled payment includes accrued int. Interest Accrued: $804.77 Late Charge Due: $157.50 Other Charges: $0.00 Dates: Original Loan Date: 03/02/2020 Last Payment Date: 07/15/2022 Maturity Date: 03/01/2024 Last Maintenance Date: 06/30/2023 Loan Term: 48 M-Months Payments Remaining: 20 Payment Frequency (Term): 1 Payment Frequency (Units): M-Months Interest: Daily Accrual: $1.07770 Interest Base: 0-Interest accrued on 365/365 Interest Paid YTD: $0.00 Secondary Interest Accrued: $605.47 Interest Paid to Date: 07/15/2022 Rate: Rate Review Frequency: 0 Rate Review Frequency (Units): 0 Internal: Officer: SKP-Shane Patterson Loan Type: IC-Consumer Non RE 365 Community Bank: 4-FUB-Colbert Restructured Loan: No Report to Credit Bureau: Yes Payoff: Current Payoff: $3,996.56 Payoff Good Thru Date: 09/20/2024 Payoff Pending Flag: No Reserve Details: Suggested Reserve: 0.00 Charged Off Details: Charged Off Amount: $2,428.82 Charged Off Date: 03/09/2023 Account Inquiry - Consumer Non RE 365 Loan Conversion Date: EXHIBIT B FirstUnited PROMISSORY NOTE <table> <tr> <th>Principal</th> <th>Loan Date</th> <th>Maturity</th> <th>Loan No</th> <th>Cell / Cell</th> <th>Account</th> <th>Officer</th> <th>Initals</th> </tr> <tr> <td>$3,660.00</td> <td>12-16-2020</td> <td>12-15-2022</td> <td>520215511</td> <td>60 / 160</td> <td></td> <td>DB</td> <td></td> </tr> </table> References in the boxes above are for lender's use only and do not limit the applicability of this document to any particular loan or item. Any item above containing "****" has been omitted due to text length limitations. Borrower: Herschel C. Hawkins PO Box 805 Caddo, OK 74729 Lender: First United Bank and Trust Co. Collbert Community Bank 1104 Burma St. PO Box 340 Collbert, OK 74733 Principal Amount: $3,660.00 Interest Rate: 17.990% Date of Note: December 16, 2020 PROMISE TO PAY. I ("borrower") promise to pay to First United Bank and Trust Co. ("lender"), or order, in lawful money of the United States of America, the principal amount of Three Thousand Six Hundred Sixty & 00/100 Dollars ($3,660.00), together with interest on the unpaid principal balance from December 16, 2020, calculated as described in the "INTEREST CALCULATION METHOD" paragraph using an Interest rate of 17.990% per annum, until paid in full. The interest rate may change under the terms and conditions of the "INTEREST AFTER DEFAULT" section. PAYMENT. I will pay this loan in 23 payments of $182.60 each payment and an irregular last payment estimated at $182.52. My first payment is due January 15, 2021, and all subsequent payments are due on the same day of each month after that. My final payment will be due on December 15, 2022 and will be for all principal and all accrued interest not yet paid. Payments include principal and interest. Unless otherwise agreed or required by applicable law, late payments will be applied first to any accrued unpaid interest; then to principal; then to any late charges; and then to any unpaid collection costs. I will pay lender at lender's address shown above or at such other place as lender may specify in writing. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/365 simple interest basis; that is, by applying the ratio of the interest rate over the number of days in a year (365 for all years, including leap years), multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. All interest payable under this Note is computed using this method. PREPAYMENT. I agree that all loan fees and other prepaid finance charges are earned fully as of the date of the loan and will not be refunded to me upon early payment (whether voluntary or as a result of default) unless otherwise required by law. Except for the foregoing, I may pay without penalty all or any part of the amount owed sooner than it is due. Early payments must be agreed to by lender in writing, relieve me of my obligation to pay to make payments under this note, and lender must be notified of such payment at least ten business days before due and may result in my making future payments. No less than ten days notice is given to lender payments marked "paid in full," "without recourse," or similar language. If I send such a payment, lender may accept it without担保ing any rights under this Note, and I will remain obligated to pay any further amount owed to lender. All written communications concerning disputed payments, demand checks or other payment instructions that indicate that such payment constitutes "payment in full" of the amount owed or that is tendered with the proceeds of a sale or limitations or as full satisfaction of the disputed amount must be mailed or delivered to: First United Bank and Trust Co., Attn: Loan Operations, PO Box 130 Durant, OK 74702-0130. LATE CHARGE. If a payment is 11 days or more late, I will be charged 5.000% of the unpaid portion of the regularly scheduled payment or $22.50 whichever is greater. However, lender may charge the maximum delinquency charge authorized by law as it may be increased during the term of this loan. INTEREST AFTER DEFAULT. If lender declares my entire loan immediately due after a default, or upon final maturity, then the total sum due under this note will accrue interest from the date of acceleration or maturity at the interest rate under this note until paid in full. DEFAULT. I will be in default under this Note if any of the following happen: Payment Default. I fail to make any payment when due under this note. Other Defaults. I break any promise made to lender or fail to perform promptly at the time and strictly in the manner provided in this note or in any agreement related to this note, or in any other agreement or loan I have with lender. Default in Any Other Parties. I or any Grantor defaults under any loan, extension of credit, security agreement, purchase or sales agreement, or any other agreement or loan or any other creditor or person that may materially affect any of my property or my ability to repay this note or my obligations hereunder, and lender Elects to assert these defaults or any other of the related documents. False Statements. Any representation or statement made or furnished to lender by me or on my behalf under this note or the related documents is false or misleading in any material respect, either now or at any time thereafter. Death or insolvency. Any Borrower dies or becomes insolvent; a receiver is appointed for any part of my property; I make an assignment for the benefit of creditors, or any proceeding is commenced against me or against me under an bankruptcy or insolvency laws. Taking of the Property. Any creditor or governmental agency takes or takes any of my property or any other of my property in which lender has an interest; this includes taking of, garnishing of or levying on my accounts with lender. However, if I give lender written notice of the claim on which the taking is based, within five days after reasonable notice, and if lender gives lender written notice of the claim and furnishes lender with notices or a surety bond satisfactory to lender, the taking claim, then this default provision will not apply. Events Affecting Guarantor. Any of the preceding events happens with respect to any guarantor, endorser, surety, or accommodation party of any of the indebtedness or any guarantor, endorser, surety, or accommodation party of any of the indebtedness evidenced by this note. Cure Provisions. If any default, other than a default in payment, is curable and if I have not been given a notice of a breach of the same provisions within the preceding twelve (12) months, it may be cured if, after lender sends written notice to me demanding cure of such default: (1) cure such default within fifteen (15) days or (2) if the cure requires more than fifteen (15) days, immediately initiate steps which lender deems in lender's sole discretion will be reasonably expected to cure the default and thereafter continue and complete all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical. LENDER'S RIGHTS. If I am in default, lender may, in addition to any other rights lender has declare my entire loan immediately due, without notice. I will then pay lender the unpaid part of the principal amount, any interest that is earned but unpaid, and any reasonable collection costs. ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else who is not lender's salaried employee to help collect this note if I do not pay. I will pay lender that amount. This includes lender's attorney's fees, however not to exceed fifteen percent (15%) of the unpaid debt after default, and lender's legal expenses whether or not there is a lawsuit, including without limitation all attorneys' fees and legal expenses for invasion of proceedings (including efforts to modify or vacate any automatic stay or injunction) and appeals, if not prohibited by applicable law. I also will pay any court costs, in addition to all other sums provided by law. JURY WAIVER. Lender and I hereby waive the right to any jury trial in any action, proceeding, or counterclaim brought by either lender or me against the other. GOVERNING LAW. This note will be governed by federal law applicable to lender and, to the extent not preempted by federal law, the laws of the State of Oklahoma without regard to its conflicts of law provisions. This note has been accepted by lender in the State of Oklahoma. DISHONORED ITEM FEE. I will pay a fee to lender of $23.00 if I make a payment on my loan and the check or other payment order including any preauthorized charge with which I pay is later dishonored. RIGHT OF SETOFF. To the extent permitted by applicable law, lender reserves a right of setoff in all my accounts with lender (whether checking, savings, or some other account). This includes all accounts I hold presently and elsewhere and all accounts I may open in the future. However, this note does not include any IRA or Keogh accounts, or any trust accounts for which access would be prohibited by law. I authorize lender, to the extent permitted by applicable law, to charge or offset all sums owing on the debt against any and all such accounts, and, at lender's option, to administratively freeze all such accounts to allow lender to protect lender's charge and setoff rights provided in this paragraph. PROMISSORY NOTE (Continued) Loan No: E20215511 Page 2 COLLATERAL. Collateral securing other loans with Lender may also secure this loan. To the extent collateral previously has been given to Lender by any person which may secure this loan, whether directly or indirectly, it is specifically agreed that, to the extent prohibited by law, all such collateral excepting of household goods will not secure this loan. In addition, if any collateral requires the giving of a right of rescission under Truth in Lending for this loan, such collateral also will not secure this loan unless and until all required notices of that right have been given. SUCCESSOR INTERESTS. The terms of this Note shall be binding upon me, and upon my heirs, personal representatives, successors and assigns, and shall inure to the benefit of Lender and its successors and assigns. NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. I may notify Lender if Lender reports any inaccurate information about my account(s) to a consumer reporting agency. My written notice describing the specific inaccuracy(ies) should be sent to Lender at the following address: First United Bank and Trust Co Altin Loan Operations PO Box 130 Durant, OK 74702-0130. GENERAL PROVISIONS. No part of this Note can be enforced if any part of this Note cannot be enforced; this fact will not affect the rest of the Note. Lender may delay or postpone enforcing any of its rights or remedies hereunder without waiving them. I and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand, protest, notice of dishonor, notice of nonpayment, notice of acceleration, guaranty, promissory note, endorsement or release from liability. All such parties agree that Lender may revoke or extend (renew) for any length of time this loan or release any collateral for this loan or impair Lender's right to realize upon or perfect Lender's security interest in the collateral. Each such party also agrees that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several. This means that the words "I", "me", and "my" mean each and all of the persons signing below. PRIOR TO SIGNING THIS NOTE, I READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE. I AGREE TO THE TERMS OF THE NOTE. I ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE. BORROWER: [signature] [handwritten name] Account Inquiry - Consumer Non RE 365 S20215511 - Herschel C Hawkins - Consumer Non RE 365 Account <table> <tr> <th>Account Name and Address</th> <th>Payment</th> <th>Collateral</th> <th>Force Placed Insurance</th> </tr> <tr> <td>Herschel C Hawkins<br><i>Bad Address</i></td> <td> Payment Due Date: 10/15/2022<br> Payment Amount: $182.60<br> Principal & Interest Amount: $182.60<br> Escrow Payment Amount: $0.00<br> Current Due: $0.00<br> Past Due Amount: $0.00<br> Number of Days Post Due: 705<br> Total Amount Due: $750.22<br> Partially Paid Amount: $0.00<br> Payment Type: 0 - Scheduled payment includes accrued int.<br> Payment Frequency (Term): 1<br> Payment Frequency (Units): M - Months<br> Late Charge Due: $22.50<br> Other Charges: $0.00<br> Interest Accrued: $15.07<br> Interest Daily Accrual: $0.26359<br> Interest Base: 0 - Interest accrued on 365/365<br> Interest Paid YTD: $0.00<br> Secondary Interest Accrued: $176.37<br> Interest Paid to Date: 09/26/2022<br> Rate Index: 0<br> Rate Review Frequency: 0<br> Rate Review Frequency (Units): 0<br> Loan Term (Units): M - Months<br> Payments Remaining: 3<br> Original Loan Date: 12/16/2020<br> Last Payment Date: 09/26/2022<br> Maturity Date: 12/15/2022<br> Last Maintenance Date: 06/30/2023<br> Loan Term: 24 </td> <td> Collateral:<br>100 - Unsecured </td> <td> Force Placed Insurance:<br>Force Placed Insurance: </td> </tr> <tr> <td colspan="4"> Rate<br> Interest Rate: 17.990000 %<br> Rate Review Date: </td> </tr> <tr> <td colspan="4"> Reserve Details<br> Suggested Reserve: 0.00 </td> </tr> <tr> <td colspan="4"> Payoff<br> Current Payoff: $750.22<br> Payoff Good Thru Date: 09/20/2024<br> Payoff Pending Flag: No </td> </tr> <tr> <td colspan="4"> Internal<br> Officer: DCB - Dillon Bowen<br> Loan Type: IC - Consumer Non RE 365<br> Community Bank: 4 - FUB - Colbert<br> Restructured Loan: No<br> Report to Credit Bureau: Yes </td> </tr> <tr> <td colspan="4"> Charged Off Details<br> Charged Off Amount: $536.28<br> Charged Off Date: 11/22/2022 </td> </tr> </table> First United Bank Account Inquiry - Consumer Non RE 365 520215511 - Herschel C Hawkins - Consumer Non RE 365 Loan Conversion Date: PROMISSORY NOTE Principal $35,810.00 Loan Date 02-28-2022 Maturity 03-08-2026 Loan No 403362601 Call / Coll 4A / 10B Account HAA8966 Officer DCB Initials References in the boxes above are for Lender’s use only and do not limit the applicability of this document to any particular loan or item. Any item above containing “***” has been omitted due to text length limitations. Borrower: Herschel Curtis Hawkins 1009 E Quail Rd Lane, OK 74555 Lender: First United Bank and Trust Co., Colbert Community Bank 101 Burney PO Box 340 Colbert, OK 74733 Principal Amount: $35,810.00 Date of Note: February 28, 2022 PROMISE TO PAY. Herschel Curtis Hawkins ("Borrower") promises to pay to First United Bank and Trust Co. ("Lender"), or order, in lawful money of the United States of America, the principal amount of Thirty-Five Thousand Eight Hundred Ten & 00/100 Dollars ($35,810.00), together with interest on the unpaid principal balance from February 28, 2022, calculated as described in the "INTEREST CALCULATION METHOD" paragraph using an interest rate of 8.490% per annum based on a year of 360 days, until paid in full. The interest rate may change under the terms and conditions of the "INTEREST AFTER DEFAULT" section. PAYMENT. Borrower will pay this loan in 47 payments of $886.45 each payment and an irregular last payment estimated at $886.52. Borrower's first payment is due April 8, 2022, and all subsequent payments are due on the same day of each month after that. Borrower's final payment will be due on March 8, 2026, and will be for all principal and all accrued interest not yet paid. Payments include principal and interest, unless otherwise agreed or required by applicable law, payments will be applied first to any accrued unpaid interest; then to principal; and then to any unpaid collection costs. Borrower will pay Lender at Lender's address shown above or at such other place as Lender may designate in writing. LATE CHARGE. If a payment is 10 days or more late, Borrower will be charged 5.000% of the unpaid portion of the regularly scheduled payment or $22.50, whichever is greater. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/360 basis; that is, by applying the ratio of the Interest rate over a year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. All interest payable under this Note is computed using this method. PREPAYMENT. Borrower agrees that all loan fees and other prepaid finance charges are earned fully as of the date of the loan and will not be subject to refund upon early payment (whether voluntary or as a result of default), except as otherwise required by law. Except for the foregoing, Borrower may pay without penalty all or a portion of the amount owed earlier than it is due. Early payments will not, unless agreed to by Lender in writing, relieve Borrower of Borrower's obligation to continue to make payments under the payment schedule. Rather, early payments will reduce the principal balance due and will result in Borrower's making fewer payments. Borrower agrees not to send Lender payments marked "paid in full", "without recourse", or similar language. If Borrower sends such a payment, Lender may accept it without losing any of Lender's rights under this Note, and Borrower remains obligated to pay any further amount owed to Lender. All written communications concerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes "payment in full" of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered to: First United Bank and Trust Co., Colbert Community Bank, 101 Burney, PO Box 340, Colbert, OK 74733. INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final maturity, the interest rate on this Note shall be increased to 21.000% per annum based on a year of 360 days. However, in no event will the interest rate exceed the maximum interest rate limitations under applicable law. DEFAULT. Each of the following shall constitute an event of default ("Event of Default") under this Note: Payment Defaults. Borrower fails to make any payment when due under this Note. Other Defaults. Borrower fails to comply with or to perform any other term, obligation, covenant or condition contained in this Note or in any of the related documents or to comply with or to perform any term, obligation, covenant or condition contained in any other agreement between Lender and Borrower. Default in Favor of Third Parties. Borrower or any Grantor defaults under any loan, extension of credit, security agreement, purchase or sales agreement, or any other agreement, in favor of any other creditor or person that may materially affect any of Borrower's property or Borrower's ability to repay this Note or perform Borrower's obligations under this Note or any of the related documents. False Statements. Any warranty, representation or statement made or furnished to Lender by Borrower or on Borrower's behalf under this Note or the related documents is false or misleading in any material respect, either now or at the time made or furnished or becomes false or misleading at any time thereafter. Death or Insolvency. The death of Borrower or the dissolution or termination of Borrower's existence as a going business, the insolvency of Borrower, the appointment of a receiver for any part of Borrower's property, any assignment for the benefit of creditors, any type of creditor workout, or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Borrower. Creditor or Foreclosure Proceedings. Commencement of foreclosure or forfeiture proceedings, whether by judicial proceeding, self-help, repossession or any other method, by any creditor of Borrower or by any governmental agency against any collateral securing the loan. This includes a garnishment of any of Borrower's accounts, including deposit accounts, with Lender. However, this Event of Default shall not apply if there is a good faith dispute by Borrower as to the validity or reasonableness of the claim which is the basis of the creditor or forfeiture proceeding and if Borrower gives Lender written notice of the creditor or forfeiture proceeding and deposits with Lender monies or a surety bond for the creditor or forfeiture proceeding, in an amount determined by Lender, in its sole discretion, as being an adequate reserve or bond for the dispute. Events Affecting Guarantor. Any of the preceding events occurs with respect to any guarantor, endorser, surety, or accommodation party of any of the indebtedness or any guarantor, endorser, surety, or accommodation party dies or becomes incompetent, or revokes or disputes the validity of, or liability under, any guaranty of the indebtedness evidenced by this Note. Adverse Change. A material adverse change occurs in Borrower's financial condition, or Lender believes the prospect of payment or performance of this Note is impaired. Insecurity. Lender in good faith believes itself insecure. Cure Provisions. If any default, other than a default in payment, is curable and if Borrower has not been given a notice of a breach of the same provision of this Note within the preceding twelve (12) months, it may be cured if Borrower, after Lender sends written notice to Borrower demanding cure of such default: (1) cures the default within fifteen (15) days; or (2) if the cure requires more than fifteen (15) days, immediately initiates steps which Lender deems in Lender's sole discretion to be sufficient to cure the default and thereafter continues and completes all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical. LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal balance under this Note and all accrued unpaid interest immediately due, and then Borrower will pay that amount. ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else to help collect this Note if Borrower does not pay. Borrower will pay Lender that amount. This includes, subject to any limits under applicable law, Lender's attorneys’ fees and Lender's legal expenses, whether or not there is a lawsuit including without limitation all attorneys' fees and legal expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), and appeals. If not prohibited by applicable law, Borrower also will pay any court costs, in addition to all other sums provided by law. JURY WAIVER. Lender and Borrower hereby waive the right to any jury trial in any action, proceeding, or counterclaim brought by either Lender or Borrower against the other. GOVERNING LAW. This Note will be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the laws of the State of Oklahoma without regard to its conflicts of law provisions. This Note has been accepted by Lender in the State of Oklahoma. CHOICE OF VENUE. If there is a lawsuit, Borrower agrees upon Lender's request to submit to the jurisdiction of the courts of Bryan County, State of Oklahoma. DISHONORED ITEM FEE. Borrower will pay a fee to Lender of $25.00 if Borrower makes a payment on Borrower's loan and the check or other payment order including any preauthorized charge with which Borrower pays is later dishonored. RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all Borrower's accounts with Lender (whether checking, savings, or some other account). This includes all accounts Borrower holds jointly with someone else and all accounts Borrower may open in the future. However, this does not include any IRA or Keogh accounts, or any trust accounts for which setoff would be prohibited by law. Borrower authorizes Lender, to the extent permitted by applicable law, to charge or setoff all sums owing on the indebtedness against any and all such accounts, and, at Lender's option, to administratively freeze all such accounts to allow Lender to protect Lender's charge and setoff rights provided in this paragraph. COLLATERAL. Borrower acknowledges this Note is secured by the following collateral described in the security instrument listed herein: (A) a Commercial Security Agreement dated February 28, 2022 made and executed between Herschel Curtis Hawkins and Lender on collateral described as: a motor vehicle, a trailer and 1988 Hyster Low Boy Trailer (SN 26246237). SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and upon Borrower's heirs, personal representatives, successors and assigns, and shall inure to the benefit of Lender and its successors and assigns. NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. Borrower may notify Lender if Lender reports any inaccurate information about Borrower's account(s) to a consumer reporting agency. Borrower's written notice describing the specific inaccuracy(ies) should be sent to Lender at the following address: First United Bank and Trust Co Altin Loan Operations PO Box 130 Durant, OK 74702-0130. GENERAL PROVISIONS. If any part of this Note cannot be enforced, this fact will not affect the rest of the Note. Lender may delay or forgo enforcing any of its rights or remedies under this Note without losing them. Borrower and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, and notice of disonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who signed this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability*: All such parties agree that Lender can sell or assign (repeatedly and for any length of time) this loan or release any party or guarantor or collateral; or impair, fail to realize upon or perfect Lender's security interest in the collateral; and take any other action deemed necessary by Lender without the consent of or notice to anyone. All such parties also agree that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several. PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE. BORROWER AGREES TO THE TERMS OF THE NOTE. BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE. BORROWER: [Signature] Herschel Curtis Hawkins Account Inquiry - Commercial NonRE 360 403362601 - Herschel C Hawkins - Commercial NonRE 360 Account <table> <tr> <th>Account Name and Address</th> <th>Payment</th> <th>Collateral</th> <th>Force Placed Insurance</th> </tr> <tr> <td>Address Line 1: Herschel C Hawkins</td> <td>Payment Due Date: 08/08/2022<br><b>Bad Address</b><br>Payment Amount: $886.45<br>Principal & Interest Amount: $886.45<br>Escrow Payment Amount: $0.00<br>Current Due: $0.00<br>Past Due Amount: $0.00<br><i>Number of Days Past Due:</i> 773<br>Total Amount Due: $27,531.33<br>Current Balance: $18,017.74<br>Interest Accrued: $2,208.58<br>Late Charge Due: $398.88<br>Other Charges: $5,097.82<br>Payment Frequency (Term): 1<br>Payment Frequency (Units): M - Months</td> <td>Collateral: 108 - Large Commercial Trucks<br>Rate<br>Interest Rate: 8.490000 %<br>Rate Review Date:</td> <td>Force Placed Insurance:<br>Reserve Details<br>Suggested Reserve: 0.00</td> </tr> </table> <table> <tr> <th>Balance</th> <th>Payoff</th> </tr> <tr> <td>Current Balance: $18,017.74<br>Interest Accrued: $2,208.58<br>Late Charge Due: $398.88<br>Other Charges: $5,097.82<br>Payment Type: 0 - Scheduled payment includes accrued int.</td> <td>Current Payoff: $27,531.33<br>Payoff Good Thru Date: 09/20/2024<br>Payoff Pending Flag: No</td> </tr> </table> <table> <tr> <th>Dates</th> <th>Interest</th> <th>Internal</th> </tr> <tr> <td>Original Loan Amount: $35,810.00<br>Original Loan Date: 02/28/2022<br>Maturity Date: 03/08/2026<br>Last Maintenance Date: 01/08/2024<br>Loan Term: 48<br>Loan Term (Units): M - Months<br>Payments Remaining: 44<br>Loan Conversion Date:</td> <td>Interest<br>Daily Accrual: $4.24918<br>Interest Base: 2 - Interest accrued on 365/360<br>Interest Paid YTD: $0.00<br>Secondary Interest Accrued: $1,808.31<br>Interest Paid to Date: 07/15/2022<br>Rate Index:<br>Rate Review Frequency: 0<br>Rate Review Frequency (Units):</td> <td>Officer: DCB - Dillon Bowen<br>Loan Type: C1 - Commercial NonRE 360<br>Community Bank: 4 - FUB - Colbert<br>Restructured Loan: No<br>Report to Credit Bureau: No<br><b>Charge Off Details</b><br>Charged Off Amount: $11,885.34<br>Charged Off Date: 05/03/2023</td> </tr> </table> First United Bank Account Inquiry - Commercial NonRE 360 403362601 - Herschel C Hawkins - Commercial NonRE 360 9/20/2024 PROMISSORY NOTE <table> <tr> <th>Principal</th> <th>Loan Date</th> <th>Maturity</th> <th>Loan No.</th> <th>Cell / Cell</th> <th>Account</th> <th>Officer</th> <th>Initials</th> </tr> <tr> <td>$4,300.00</td> <td>03-22-2022</td> <td>03-22-2023</td> <td>403367360</td> <td>4A / 100</td> <td>HAA8956</td> <td>DCB</td> <td></td> </tr> </table> References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Any item above containing _____ has been omitted due to text length limitations. Borrower: Herschel Hawkins 1009 E Quall Rd Lane, OK 74555 Lender: First United Bank and Trust Co. Calhoun Community Bank 101 Burney PO Box 340 Colbert, OK 74733 Principal Amount: $4,300.00 Date of Note: March 22, 2022 PROMISE TO PAY. Herschel Hawkins ("Borrower") promises to pay to First United Bank and Trust Co. ("Lender"), or order, in lawful money of the United States of America, the principal amount of Four Thousand Three Hundred & 99/100 Dollars ($4,300.00), together with interest on the unpaid principal balance from March 22, 2022, through as described in the "INTEREST CALCULATION METHOD" paragraph using an interest rate of 8.999% per annum based on a year of 360 days, until paid in full. The interest rate may change under the terms and conditions of the "INTEREST AFTER DEFAULT" section. PAYMENT. Borrower will pay this loan in one principal payment of $4,300.00 plus interest on March 22, 2023. This payment due on March 22, 2023, includes all applied and all accrued interest not yet paid. Unless otherwise agreed or required by applicable law, payments will be applied first to any accrued unpaid interest; then principal and then to any unpaid collection costs. Borrower will pay Lender at Lender's address shown above or at such other place as Lender may designate for payment. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/360 basis; that is, by applying the ratio of the interest rate over a year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. All interest payable under this Note is computed using this method. PREPAYMENT. Borrower agrees that all loan fees and other prepaid finance charges are earned fully as of the date of the loan and will not be refunded if the loan is paid off or prepaid early (whether voluntary or as a result of default), except as otherwise required by law. Except for the foregoing, Borrower may pay off or prepay this loan in full at any time and at any amount owed other than it is due. Early payments will not, unless agreed to by Lender in writing, relieve Borrower of Borrower's obligation to continue to comply with借款人's payment schedule. Rather, early payments will reduce the principal balance due. Borrower agrees not to send lender payments marked "partial," "withhold," or "in Lieu" or to notify the lender that a payment is "such a payment. Lender may accept it without losing any of Lender's rights under this Note, and Borrower will remain obligated to pay any further amount owed thereafter. All written communications concerning disputed amounts, including any check or other payment instrument that indicates that the payment cannot be paid in full or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered to: First United Bank and Trust Co., Calhoun Community Bank, 101 Burney, PO Box 340, Colbert, OR 74733. LATE CHARGE. Borrower agrees to pay $10.00 times the number of days late after the loan becomes 30 days past due or past maturity. BALLOON REPAYMENT. This loan is payable in full on the maturity date specified above. You must repay the entire principal balance of the loan and any other obligations due. Lender is under no obligation to refinance the loan at that time. You will, therefore, be required to make payment out of other assets that you may own. You will have to find a lender, which maybe the lender you have this loan with, willing to lend you the money. If you refinance this loan at maturity, you may have to pay some or all of the closing costs normally associated with a new loan even if you obtain refinancing from the same lender. INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final maturity, the interest rate on this Note shall be increased to 2.00% per annum based on a year of 360 days. However, in no event will the interest rate exceed the maximum interest rate limitations under applicable law. DEFAULT. Each of the following shall constitute an event of default ("Event of Default") under this Note: Payment Default. Borrower fails to make any payment when due under this Note. Other Defaults. Borrower fails to comply with or to perform any other term, obligation, covenant or condition contained in this Note or in any of the related documents or to comply with or to perform any term, obligation, covenant or condition contained in any other agreement between Lender and Borrower. Default In Favor of Third Parties. Borrower or any Grantor defaults under any loan, extension of credit, security agreement, purchase or sales agreement, or any other agreement, in favor of any other creditor or person that may materially affect any of Borrower's property or Borrower's ability to repay this Note or perform Borrower's obligations under this Note or any of the related documents. False Statements. Any warranty, representation or statement made or furnished to Lender by Borrower or on Borrower's behalf under this Note or the related documents is false or misleading in any material respect, either now or at the time made or furnished or becomes false or misleading at any future time. Death or Insolvency. The death of Borrower or the dissolution or termination of Borrower's existence as a going business, the insolvency of Borrower, the appointment of a receiver for any part of Borrower's property, any assignment for the benefit of creditors, any type of creditor workout, or the commencement of any proceeding under any bankruptcy or insolvency law against Borrower. Creditor or Foreclosure Proceedings. Commencement of foreclosure or forfeiture proceedings, whether by judicial proceeding, self-help, repossession or any other method, by any creditor or Borrower or by any governmental agency against any collateral securing the loan. This Event of Default is a guarantee of all of Borrower's accounts, including deposit accounts, with Lender. However, this Event of Default shall not apply if there is a good faith dispute regarding the validity or reasonableness of the claim which is the basis of the creditor or forfeitures proceeding and if Borrower gives Lender written notice of the claim of forfeiture and has deposited with lender properly or a surety bond for the creditor or forfeiture proceeding, in an amount determined by Lender, in its sole discretion, as being an adequate reserve for the dispute. Events Affecting Guarantor. Any of the preceding events occurs with respect to any guarantor, endorser, surety, or accommodation party of any of the indebtedness, or any guarantor, endorser, surety, or accommodation party dies or becomes incompetent, or revokes or disputes the validity of, or liability under, any guaranty of the indebtedness evidenced by this Note. Advers Change. A material adverse change occurs in Borrower's financial condition, or Lender believes the prospect of payment or performance of this Note is impaired. Insolvency. Lender in good faith believes itself insolvent. Cure Provisions. If any default, other than a default in payment, is curable and if Borrower has not been given a notice of a breach of the same provision of this Note within the preceding twelve (12) months, it may be cured if Borrower, after Lender sends written notice to correct such default or cure of such default either (1) cures the default within fifteen (15) days; or (2) if the cure requires more than fifteen (15) days, immediately thereafter, subject to reasonable extension by Lender at its sole discretion to be sufficient to cure the default and thereafter continues and completes at reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical. LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal balance under this Note and all accrued unpaid interest immediately due, and then Borrower will pay that amount. ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else to help collect this Note if Borrower does not pay. Borrower will pay Lender that amount. This includes, subject to any limits under applicable law, Lender's attorneys' fees and Lender's legal expenses, whether or not Lender files a lawsuit, including without limitation all attorneys' fees and legal expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay injunction), and appeals. If not prohibited by applicable law, Borrower will also pay any court costs, in addition to all other sums provided by law. JURY WAIVER. Lender and Borrower hereby waive the right to any jury trial in any action, proceeding, or counterclaim brought by either Lender or Borrower against the other. Loan No: 403367360 PROMISSORY NOTE (Continued) GOVERNING LAW. This Note will be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the laws of the State of Oklahoma without regard to its conflicts of law provisions. This Note has been accepted by Lender in the State of Oklahoma. CHOICE OF VENUE. If there is a lawsuit, Borrower agrees upon Lender’s request to submit to the jurisdiction of the courts of Bryan County, State of Oklahoma. DISHONORED ITEM FEE. Borrower will pay a fee to Lender of $25.00 if Borrower makes a payment on Borrower’s loan and the check or other payment order including any unauthorized charge with which Borrower pays is later dishonored. RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all Borrower’s accounts with Lender (whether checking/savings, or some other account). This includes all accounts Borrower holds jointly with someone else and at any time Borrower may have in the future. However, this does not include any IRA or Keogh accounts, or any trust accounts for which setoff would be prohibited by law. Borrower authorizes Lender, to the extent permitted by applicable law, to charge or setoff all sums owing on the debt against any and all such accounts, and, at Lender’s option, to administratively freeze all such accounts to allow Lender to protect Lender’s charge and setoff rights provided in this paragraph. COLLATERAL. This loan is unsecured. SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and upon Borrower’s heirs, personal representatives, successors and assigns, and shall inure to the benefit of Lender and its successors and assigns. NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. Borrower may notify Lender if Lender obtains inaccurate information about Borrower’s account(s) to a consumer reporting agency. Borrower’s written notice describing the specific inaccuracy(ies) should be sent to Lender at the following address: First United Bank and Trust Co Attn Loan Operation PD Box 130 Durant, OK 74702-0130. GENERAL PROVISIONS. If any part of this Note cannot be enforced, this fact will not affect the rest of the Note. Lender may delay or forego enforcing any of its rights or remedies under this Note without losing them. Borrower and any other person who signs, guaranties or endorses this Note, to the extent allowed by law, waives presentment, demand for payment, and notice of dishonor. Upon any change in the name of this Note, and upon satisfaction or payment in writing, no party who signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. All parties agree that Lender may extend or renew (repeatedly and for any length of time) this loan or release any party or guarantor or collateral; or impair, fail to realize upon or perfect Lender’s security interests, liens, charges; and take any other action deemed necessary by Lender without the consent of or notice to anyone. All such parties also agree that Lender may modify this Note without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several. PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE. BORROWER AGREES TO THE TERMS OF THE NOTE. BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE. BORROWER Account Inquiry - Commercial NonRE 360 403367360 - Herschel C Hawkins - Commercial NonRE 360 Account Name and Address Address Line 1: Herschel C Hawkins Bad Address Payment Payment Due Date: 03/22/2023 Payment Amount: $0.00 Principal & Interest Amount: $0.00 Escrow Payment Amount: $0.00 Current Due: $0.00 Past Due Amount: $0.00 Number of Days Past Due: 547 Total Amount Due: $6,243.39 Partial Paid Amount: $0.00 Payment Type: 5 - Loan is single payment at maturity basis Late Charge Due: $170.00 Other Charges: $0.00 Balance Current Balance: $4,300.00 Interest Accrued: $524.25 Dates Original Loan Amount: $4,300.00 Original Loan Date: 03/22/2022 Maturity Date: 03/22/2023 Last Maintenance Date: 06/30/2023 Loan Term: 12 Collateral Collateral: 100 - Unsecured Rate Interest Rate: 21.000000 % Rate Review Date: Reserve Details Suggested Reserve: 0.00 Payoff Current Payoff: $6,243.39 Payoff Good Thru Date: 09/20/2024 Payoff Pending Flag: No Internal Officer: DCB - Dillon Bowen Loan Type: C1 - Commercial NonRE 360 Community Bank: 4 - FUB - Colbert Restructured Loan: No Report to Credit Bureau: No Charge Off Details Charged Off Amount: $4,300.00 Charged Off Date: 05/11/2023 EXHIBIT E PROMISSORY NOTE <table> <tr> <th>Principal</th> <th>Loan Date</th> <th>Maturity</th> <th>Loan No</th> <th>Call / Call SO / 180</th> <th>Account</th> <th>Officer</th> <th>Initials</th> </tr> <tr> <td>$615.00</td> <td>04-01-2022</td> <td>05-02-2023</td> <td>520276567</td> <td>S0 / 180</td> <td>HAB033</td> <td>SKP</td> <td></td> </tr> </table> References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Any item above containing "——" has been omitted due to text length limitations. Borrower: Dakota Hawkins PO Box 805 Cadde, OK 74729-0605 Lender: First United Bank and Trust Co. Central Community Bank 101 Durant PO Box 340 Dalzell, OK 74733 Cosigner: Herschel C. Hawkins PO Box 805 Cadde, OK 74729-0605 Principal Amount: $615.00 Interest Rate: 17.980% Date of Note: April 1, 2022 PROPOSE TO PAY. I and all cosigners (signing this Note ("Borrower")) jointly and severally promise to pay to First United Bank and Trust Co. ("Lender"), or order, in full payment of this Note, the principal amount of Six Hundred Fifteen & 0/100 Dollars ($615.00), together with interest on the unpaid principal balance from May 1, 2022 calculated as described in the "INTEREST CALCULATION METHOD" paragraph using an interest rate of 17.980% per annum, until paid in full. This Interest rate may change under the terms and conditions of the "INTEREST AFTER DEFAULT" section. PAYMENTS. I will pay this loan in 12 payments of $52.45 each payment and an irregular last payment estimated at $52.48. My first payment is due May 2, 2022. All payments will be dynamos due on the same day of each month after that. My final payment will be due on May 2, 2023, and will be for all principal and accrued interest. I also agree all payments shall be principal and interest. Unless otherwise agreed or required by applicable law, payments will be applied first to any accrued unpaid Interest; then to any other charges due to the Lender; then to any unpaid collection costs. I will pay Lender at Lender's address shown above or at such other place as Lender may designate in writing. INTEREST CALCULATION METHOD. Interest on this Note is computed at a 385/365 simple interest basis; that is, by applying the rate of the actual number of days in a year (365 for all years, including leap years), multiplied by the outstanding principal balance, multiplied by the actual number of days that any balance is outstanding. All Interest payable under this Note is computed using this method. PREPAYMENT. I agree that all late fees and other prepayment charges are earned fully as of the date of the loan and will not be refunded to me upon early payment (whether voluntary or as a result of default), unless otherwise required by law. Except for the foregoing, I may pay without penalty all or portion of the amount owed earlier than it is due. Early payments, however, agreed to in advance are binding, reserve my obligation to continue to make payments under the payment schedule. Rather, early payments will reduce the principal balance due rather than my obligations to Lender. Further, I agree not to send Lender payments marked "paid in full", "without recourse", or similar language. If I send such a payment, Lender may receive it without liability, except as provided herein, and I will remain obligated to pay any further amount owed to Lender. All written communications concerning disputed amounts must be acknowledged by Lender. Interest will cease under those terms that the payment constitutes "payment in full" of the amount owed or that is tendered with other conditions or representations but not in full. Any such agreement must be mailed or delivered to: First United Bank and Trust Co., Attn: Loan Operations, PO Box 130 Durant, OK 74702-0130. LATE CHARGE. If a payment is 11 days or more late, I will be charged 5.000% of the unpaid portion of the regularly scheduled payment or $27.00, whichever is greater. However, Lender may charge the maximum delinquency charge authorized by law as it may be increased during the term of this loan. INTEREST AFTER DEFAULT. If Lender declares my entire loan immediately due after a default, or upon final maturity, then the total sum due under this Note will accrue interest from the date of acceleration or maturity at the interest rate under this Note until paid in full. DEFAULT. I will be in default under this Note if any of the following happen: Payment Default. I fail to make any payment when due under this Note. Breach Other Promises. I break any promises made to Lender or fail to perform promptly at the time and strictly in the manner provided in this Note or in any agreement related to this Note, or in any other agreement or loan I have with Lender. Default in Favor of Third Parties. If or any Guarantor defaults under any loan, extension of credit, security agreement, purchase or sales agreement, or any other agreement, in favor of any other creditor or person that may materially affect any of my property or my ability to make this loan, or perform my obligations under this Note or any of the related documents. False Statement or Misrepresentation. Any representation or statement made or furnished to Lender by me or on my behalf under this Note or the related documents is false or misleading in any respect, either now or at the time made or furnished. Death or insolvency. Any Borrower dies or becomes insolvent, a receiver appointed for any part of my property, I make an assignment for the benefit of creditors; or any proceeding is commenced against me by or against me under any bankruptcy or insolvency laws. Taking of the Property. Any creditor or governmental agency files to take any of the funds or property of my property in which Lender has a lien. This includes taking of garnishment or levying on my accounts with Lender. However, if I disclose the good faith whether the claim on which the taking of the property is based is valid or reasonable, and if I give Lender written notice of the claim and furnish Lender with notices or a surety bond satisfactory to Lender to satisfy this claim, then this Default provision will not apply. Event Affecting Guarantor. Any of the preceding events occurs with respect to any guarantor, endorser, surety, or accommodation party of any of my obligations hereunder; any guarantor, endorser, surety, or accommodation party dies or becomes incompetent, or revokes its guarantees the validity of, or liability under, any guarantee of the indebtedness evidenced by this Note. Cure Provisions. If any default, other than a default under a note, exists and I am not given a notice of a breach of the same provision of this Note within the preceding twelve (12) months, it may be cured if, after Lender's written notice, I am in demanding cure of such default: (1) cure the default within fifteen (15) days; or (2) if the cure requires more than fifteen (15) days, notify Lender in writing about steps which Lender deems in Lender's sole discretion to be sufficient to cure the default and thereafter continue and complete all reasonably necessary steps sufficient to produce compliance as soon as reasonably practical. LENDER'S RIGHTS. If I am in default, Lender may, in addition to any other rights Lender has declare my entire loan immediately due, without notice. I will then pay Lender the unpaid part of the Principal Amount, any interest that is earned but unpaid, and any reasonable collection costs. ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else who is not Lender's salaried employee to help collect this Note if I do not pay. I will pay Lender that amount. This includes Lender's attorneys' fees, however not to exceed fifteen percent (15%) of the unpaid debt plus statutory costs of suit. If Lender sues to enforce this Note when there is a lawsuit, including without limitation, attorneys' fees and legal expenses for bankruptcy proceedings (including efforts to modify or vacate any court stay or injunction), and appeals, if not prohibited by applicable law, I also will pay any court costs, in addition to all other sums provided by law. JURY WAIVER. Lender and I hereby waive the right to any jury trial in any action, proceeding, or counterclaim brought by either Lender or me against the other. GOVERNING LAW. This Note will be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the laws of the State of Oklahoma without regard to its conflict of law provisions. This Note has been accepted by Lender in the State of Oklahoma. DISHONORED ITEM FEE. I will pay a fee to Lender of $25.00 if I make a payment on my loan and the check or other payment order including any preauthorized charge with which I pay is later dishonored. RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all my accounts with Lender (whether checking, savings, or stock market account). This includes all accounts I hold jointly with someone else and all accounts I may open in the future. However, this clause does not include IRA or Keogh accounts, or any trust accounts for which setoff would be prohibited by law. I authorize Lender, to the extent permitted by applicable law, to charge or offset all sums owing on the debt against any and all such accounts, and, at Loan No: 520276567 PROMISSORY NOTE (Continued) Page 2 Lender's option, to administratively freeze all such accounts to allow Lender to protect Lender's charge and setoff rights provided in this paragraph. COLLATERAL. Collateral securing other loans with Lender may also secure this loan. To the extent collateral previously has been given to Lender by any person which may secure this loan, whether directly or indirectly, it is specifically agreed that, to the extent permitted by law, all such collateral consisting of household goods will not secure this loan. In addition, if any collateral requires the giving of a right of modification under Truth in Lending for this loan, such collateral also will not secure this loan unless and until all required notices of that right have been given. SUCCESSOR INTERESTS. The terms of this Note shall be binding upon me, and upon my heirs, personal representatives, successors and assigns, and shall inure to the benefit of Lender and its successors and assigns. NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. I may notify Lender if Lender reports any inaccurate information about my account(s) to a consumer reporting agency. My written notice describing the specific inaccuracy(ies) should be sent to Lender at the following address: First United Bank and Trust Co Attn Loan Operations PO Box 135 Durant, OK 74702-0135 GENERAL PROVISIONS: If any part of this Note cannot be enforced, this fact will not affect the rest of the Note. Lender may delay or forgo enforcement of any of the terms & remedies under this Note without losing them. I and any other persons who signs, guarantees or endorses this Note, to the extent allowed by law, hereby release Lender from demand for payment, and notice of dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who signed this Note, whether borrower, guarantor, accommodation maker or endorser, shall be released from liability. All such parties agree that Lender may renew or extend repeatedly and for any length of time this note, and/or any guarantee of this note, or impair, fail to realize upon or perfect Lender's security interest in the collateral. All such parties also agree that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several. This means that the words "I", "me", and "my" mean each and all of the persons signing below. PRIOR TO SIGNING THIS NOTE, I READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE AND THE NOTICE TO COSIGNER SET FORTH BELOW. I AGREE TO THE TERMS OF THE NOTE. I ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE. BORROWER: [Signature] Janeta Hawkins COSIGNER: [Signature] Kathie C. Robinson NOTICE TO COSIGNER You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. The lender can collect this debt from you without first trying to collect from the borrower. The lender can use the same collection methods against you as could be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of YOUR credit record. This notice is not the contract that makes you liable for the debt. Account Inquiry - Consumer Non RE 365 520276567 - Dakota Hawkins - Consumer Non RE 365 Account Name and Address Dakota Hawkins Bad Address Payment Payment Due Date: 09/02/2022 Payment Amount: $52.45 Principal & Interest Amount: $52.45 Escrow Payment Amount: $0.00 Current Due: $0.00 Past Due Amount: $0.00 Number of Days Past Due: 748 Balance Original Loan Amount: $615.00 Current Balance: $440.86 Partially Paid Amount: $0.00 Payment Type: 0 - Scheduled payment includes accrued int. Interest Accrued: $15.85 Late Charge Due: $54.00 Other Charges: $0.00 Payment Frequency (Term): 1 Payment Frequency (Units): M - Months Dates Original Loan Date: 04/01/2022 Last Payment Date: 08/09/2022 Maturity Date: 05/02/2023 Last Maintenance Date: 06/30/2023 Loan Term: 13 Loan Term (Units): M - Months Payments Remaining: 9 Collateral Collateral: 100 - Unsecured Rate Interest Rate: 17.980000 % Rate Review Date: Payoff Current Payoff: $662.57 Payoff Good Thru Date: 09/20/2024 Payoff Pending Flag: No Internal Officer: SKP - Shane Patterson Loan Type: IC - Consumer Non RE 365 Community Bank: 4 - FUB - Colbert Restructured Loan: No Report to Credit Bureau: Yes Charged Off Details Charged Off Amount: $440.86 Charged Off Date: 10/21/2022 Force Placed Insurance Force Placed Insurance: Reserve Details Suggested Reserve: 0.00 Account Inquiry - Consumer Non RE 365 Loan Conversion Date: EXHIBIT F U FirstUnited PROMISSORY NOTE <table> <tr> <th>Principal</th> <th>Loan Date</th> <th>Maturity Date</th> <th>Loan No.</th> <th>Call /Cell</th> <th>Account</th> <th>Officer</th> <th>Initials</th> </tr> <tr> <td>$65,292.19</td> <td>04-27-2022</td> <td>05-06-2027</td> <td>403375074</td> <td>4A / 112</td> <td>HAA8966</td> <td>SKP</td> <td></td> </tr> </table> References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular item or item. Any item above containing "****" has been omitted due to text length limitations. Borrower: Herschel Curtis Hawkins PO Box 505 Cadeo, OK 74729-0605 Lender: First United Bank and Trust Co. Colbert Community Bank 101 Barney PO Box 340 Colbert, OK 74733 Principal Amount: $65,292.19 Date of Note: April 27, 2022 PROMISE TO PAY. Herschel Curtis Hawkins ("Borrower") promises to pay to First United Bank and Trust Co. ("Lender"), or order, in lawful money of the United States of America, the principal amount of Sixty-five Thousand Two Hundred Ninety-two & 19/100 Dollars ($65,292.19), together with interest on the unpaid principal balance from April 27, 2022, calculated as described below in INTEREST CALCULATION METHOD*, plus interest using an interest rate of 8.1420% per annum based on a year of 360 days, until paid in full. The interest rate may change under the terms and conditions of the "INTEREST AFTER DEFAULT" section. PAYMENT. Borrower will pay this loan in 59 payments of $1,338.17 each payment and an irregular last payment estimated at $1,338.28. Borrower's first payment is dated May 6, 2022, and subsequent payments are due on the same day of each month after that. Borrower's final payment will be due on May 6, 2027, and will be for the principal of any amount owed not yet paid. Payments include principal and interest. Unless otherwise agreed or required by applicable law, payments will be applied first to reduce unpaid interest, then to principal, and then to any unpaid collection costs. Borrower will pay Lender at Lender's address shown above or at such other place as Lender may designate in writing. LATE CHARGE. If a payment is 10 days or more late, Borrower will be charged 5.000% of the unpaid portion of the regularly scheduled payment or $22.50, whichever is greater. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 360/360 basis; that is, by applying the ratio of the interest rate over a year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. All interest payable under this Note is computed using this method. PREPAYMENT. Borrower agrees that all loan fees and other prepaid finance charges are earned fully as of the date of the loan and will not be subject to refund upon early payment (whether voluntary or as a result of default), except as otherwise required by law. Except for the following events, Borrower may pay without penalty all or a portion of the amount owed earlier than it is due. Early payments will not, unless agreed to by Lender in writing, shorten Borrower's term or relieve Borrower from continuing to make payments under the payment schedule. Rather, early payments will reduce the principal balance due and may result in Borrower's additional payments. Borrower agrees not to send Lender payments marked "paid in full," "without recourse," or similar language. If Borrower sends such a payment, Lender's acceptance shall not be construed as agreement. Borrower agrees that all amounts owed to Lender remain due and owing after sending such payment and that if Lender agrees to accept payment in full of the amount owed that Lender's agreement must be in writing. Communication regarding disputed payments or prepayment payment instrument that indicates that the payment constitutes "payment in full" of the amount owed of that is tendered with other conditions, agreements or representations made or received. Such instrument must be mailed or delivered to: First United Bank and Trust Co., Colbert Community Bank, 101 Barney, PO Box 340, Colbert, OK 74733. INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final maturity, the interest rate on this Note shall be increased to a 21.000% per annum based on a year of 360 days. However, in no event will the interest rate exceed the maximum interest rate limitations of applicable law. DEFAULT. Each of the following shall constitute an event of default ("Event of Default") under this Note: Payment Default. Borrower fails to make any payment when due under this Note. Other Defaults. Borrower fails to comply with or to perform any other term, obligation, covenant or condition contained in this Note or in any agreement or documents or agreements related hereto or thereto, whether or not described herein or therein, that is required to be performed by Borrower hereunder or which may materially affect any of Borrower's property or Borrower's ability to repay this Note or perform Borrower's obligations under this Note or any of the related documents. False Statements. Any warranty, representation or statement made or furnished to Lender by Borrower or on Borrower's behalf under this Note or the related documents is false or misleading in any material respect, either now or at the time made or furnished or becomes false or misleading at any time thereafter. Death or Insolvency. The death of Borrower or the dissolution or termination of Borrower's existence as a going business, the insolvency of Borrower, the appointment of an administrator or trustee for any part of Borrower's property, any assignment for the benefit of creditors, any type of creditor workout, or the commencement of any bankruptcy or insolvency proceedings against Borrower. Credit or Forfeiture Proceeding. Commencement of foreclosure or forfeiture proceedings, whether by judicial proceeding, self-help, repossession or any other method, by any creditor or any governmental agency acting in its capacity as such, against any property securing this Note. This includes garnishment of any of Borrower's accounts, including deposit accounts, with Lender. However, this Event of Default shall not apply if there is a good faith dispute by Borrower as to the validity or reasonableness of the claim which is the basis of the creditor or forfeiture proceeding, and if Borrower gives Lender written notice of the creditor or forfeiture proceeding and deposits with Lender monies or a surety bond for the creditor or forfeiture proceeding, in an amount determined by Lender, in its sole discretion, as being an adequate reserve or bond for the dispute. Events Affecting Guarantor. Any of the preceding events occurs with respect to any guarantor, endorser, surety, or accommodation party of any of the indebtedness of any guarantor, endorser, surety, or accommodation party dies or becomes incompetent, or revokes or disputes the validity of, or liability under, any guaranty of the indebtedness evidenced by this Note. Adverse Change. A material adverse change occurs in Borrower's financial condition, or Lender believes the prospect of payment or payment of this Note is impaired. Insecurity. Lender in good faith believes itself insecure. Cure Provisions. If an Event of Default other than a default in payment, is curable and Borrower has not been given a notice of a breach of the same provision of this Note three times within twelve (12) months, it may be cured if Borrower, after Lender sends written notice to Borrower demanding cure of such default: (1)治愈 the default existing within fifteen (15) days and (2) request more than fifteen (15) days, immediately initiates steps which Lender deems in Lender's sole discretion to be sufficient to cure the default and thereafter continues and completes all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical. LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal balance under this Note and all accrued unpaid interest immediately due, and then Borrower will pay that amount. ATTORNEY FEES; EXPENSES. Lender may hire or pay someone else to help collect this Note if Borrower does not pay. Borrower will pay Lender that amount, plus any other fees to any attorney under applicable law. Lender's attorneys' fees and Lender's legal expenses, whether or not there is a lawsuit, including without limitation all attorney fees and legal expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), and appeals. If not prohibited by applicable law, Borrower will also pay any court costs, in addition to all other sums provided by law. JURY WAIVER. Lender and Borrower hereby waive the right to any jury trial in any action, proceeding, or counterclaim brought by either Lender or Borrower against the other. GOVERNING LAW. THIS NOTE will be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the laws of the State of Oklahoma without regard to its conflicts-of-law provisions. This Note has been accepted by Lender in the State of Oklahoma. PROMISSORY NOTE (Continued) Loan No: 403375074 CHOICE OF VENUE. If there is a lawsuit, Borrower agrees upon Lender's request to submit to the jurisdiction of the courts of Bryan County, State of Oklahoma. DISHONORED ITEM FEE. Borrower will pay a fee to Lender of $25.00 if Borrower makes a payment on Borrower's loan and the check or other payment order including any preauthorized charge with which Borrower pays is later dishonored. RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all Borrower's accounts with Lender (whenever charged or payable in full or in part). This includes all accounts Borrower holds jointly with someone else and all accounts Borrower may open in the future. However, the rights of Lender do not extend to savings accounts, or any trust accounts for which setoff would be prohibited by law. Borrower authorizes Lender, to the extent permitted by applicable law, to charge or setoff all sums owing on the indebtedness against any and all such accounts, and, at Lender's option, to administratively freeze all such accounts to allow Lender to protect Lender's charge and setoff rights provided in this paragraph. COLLATERAL. Borrower acknowledges this Note is secured by the following collateral described in the security instrument filed herein: (A) a Commercial Security Agreement dated April 27, 2022 made and executed between Herschel Curtis Hawkins and Lender on collateral described as 2006 Caterpillar D9N GP Bulldozer (BMA28519). PRIOR NOTE. Renewal of existing FIGHT Loan #403358708 (orig. 2022). SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and upon Borrower's heirs, personal representatives, successors and assigns, and shall inure to the benefit of Lender and its successors and assigns. NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. Borrower may notify Lender if Lender reports any inaccurate information about Borrower's account(s) to a consumer reporting agency. Borrower's written notice describing the specific inaccuracy(ies) should be sent to Lender at the following address: First United Bank and Trust Co Attn: Loan Operations PO Box 130 Durant, OK 74702-0130. GENERAL PROVISIONS. If any part of this Note cannot be enforced, this fact will not affect the rest of the Note. Lender may satisfy or discharge any of its rights or remedies under this Note without losing them. Borrower and any other person who signs, guarantees or endorses this Note, and any other documents related thereto, waives presentment, demand for payment, and notice of dishonor. Upon any change in the terms of this Note, and under circumstances permitting Lender to do so, no party who signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. All such persons shall remain obligated under this Note (and any proceeds thereof), this loan or release any party or guarantee or collateral; or impair, fail to realize upon or perfect Lender's security interest in any collateral; and take any other action deemed necessary by Lender without the consent of or notice to anyone. All such parties also agree that Lender may remedy this note without consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several. PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE. BORROWER AGREES TO THE TERMS OF THE NOTE. BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE. BORROWER: [signature] Herschel Curtis Hawkins Account Inquiry - Commercial NonRE 360 403375074 - Herschel C Hawkins - Commercial NonRE 360 Account <table> <tr> <th>Account Name and Address</th> <th>Payment</th> <th>Collateral</th> <th>Force Placed Insurance</th> </tr> <tr> <td>Address Line 1: Herschel C Hawkins<br><i>Bad Address</i></td> <td>Payment Due Date: 08/06/2022<br>Payment Amount: $1,338.17<br>Principal & Interest Amount: $1,338.17<br>Escrow Payment Amount: $0.00<br>Current Due: $0.00<br>Past Due Amount: $0.00<br><i>Number of Days Past Due:</i> 775<br>Total Amount Due: $53,862.47<br>Partial Paid Amount: $0.00<br>Interest Accrued: $4,463.83<br>Late Charge Due: $669.10<br>Other Charges: $0.00<br>Payment Frequency (Term): 1<br>Payment Frequency (Units): M - Months<br>Daily Accrual: $10.02367<br>Interest Base: 2 - Interest accrued on 365/360<br>Interest Paid YTD: $0.00<br>Secondary Interest Accrued: $4,936.77<br>Interest Paid to Date: 07/15/2022<br>Loan Term: 60<br>Loan Term (Units): M - Months<br>Payments Remaining: 58<br>Rate Review Frequency: 0<br>Rate Review Frequency (Units):</td> <td>Collateral: 112 - Business Equipment</td> <td>Force Placed Insurance:</td> </tr> <tr> <td colspan="4" rowspan="1">Rate<br>Interest Rate: 8.240000 %<br>Rate Review Date:<br><b>Reserve Details</b><br>Suggested Reserve: 0.00</td> </tr> <tr> <td colspan="4" rowspan="1"><b>Payoff</b><br>Current Payoff: $53,862.47<br>Payoff Good Thru Date: 09/20/2024<br>Payoff Pending Flag: No</td> </tr> <tr> <td colspan="4" rowspan="1"><b>Internal</b><br>Officer: SKP - Shane Patterson<br>Loan Type: C1 - Commercial NonRE 360<br>Community Bank: 4 - FUB - Colbert<br>Restructured Loan: No<br>Report to Credit Bureau: No</td> </tr> <tr> <td colspan="4" rowspan="1"><b>Charge Off Details</b><br>Charged Off Amount: $45,392.77<br>Charged Off Date: 05/17/2023</td> </tr> </table> Balance Current Balance: $43,792.77 Interest Accrued: $4,463.83 Late Charge Due: $669.10 Other Charges: $0.00 PROMISSORY NOTE Principal: $44,622.00 Loan Date: 08-30-2021 Maturity: 09-10-2027 Loan No: S20249042 Call / Coll Req: Account: HAA8966 Officer: SKP Initials: References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Any item above containing "****" has been omitted due to text length limitations. Borrower: Herschel C. Hawkins PO Box 605 Caddo, OK 74729-0605 Lender: First United Bank and Trust Co. Colbert Community Bank 101 Burney PO Box 340 Colbert, OK 74733 Principal Amount: $44,622.00 Interest Rate: 9.990% Date of Note: August 30, 2021 PROMISE TO PAY. I ("Borrower") promise to pay to First United Bank and Trust Co. ("Lender"), or order, in lawful money of the United States of America, the principal amount of Forty-four Thousand Six Hundred Twenty-two & 00/100 Dollars ($44,622.00), together with interest on the unpaid principal balance from August 30, 2021, calculated as described in the "INTEREST CALCULATION METHOD" paragraph using an Interest rate of 9.990% per annum, until paid in full. The Interest rate may change under the terms and conditions of the "INTEREST AFTER DEFAULT" section. PAYMENT. I will pay this loan in 71 payments of $828.92 each payment and an irregular last payment estimated at $828.79. My first payment is due October 10, 2021, and all subsequent payments are due on the same day of each month after that. My final payment will be due on September 10, 2027, and will be for all principal and all accrued interest not yet paid. Payments include principal and interest. Unless otherwise agreed or required by applicable law, payments will be applied first to any accrued unpaid interest; then to principal; then to any late charges; and then to any unpaid collection costs. I will pay Lender at Lender's address shown above or at such other place as Lender may designate in writing. INTEREST CALCULATION METHOD. Interest on this Note is computed on a 365/365 simple interest basis; that is, by applying the ratio of the interest rate over the number of days in a year (365 for all years, including leap years), multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. All interest payable under this Note is computed using this method. PREPAYMENT. I agree that all loan fees and other prepaid finance charges are earned fully as of the date of the loan and will not be refunded to me upon early payment (whether voluntary or as a result of default), except as otherwise required by law. Except for the foregoing, I may pay without penalty all or a portion of the amount owed earlier than it is due. Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments under the payment schedule. Rather, early payments will reduce the principal balance due and may result in my making fewer payments. I agree not to send Lender payments marked "paid in full," "without recourse," or similar language. If I send such a payment, Lender may accept it without losing any of Lender's rights under this Note, and I will remain obligated to pay any other amount owed to Lender. All written communications concerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes "payment in full" of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered to: First United Bank and Trust Co., Attn Loan Operations, PO Box 130 Durant, OK 74701-0130. LATE CHARGE. If a payment is 11 days or more late, I will be charged 5.000% of the unpaid portion of the regularly scheduled payment or $22.50, whichever is greater. However, Lender may charge the maximum delinquency charge authorized by law as it may be increased during the term of this loan. INTEREST AFTER DEFAULT. If Lender declares my entire loan immediately due after a default, or upon final maturity, then the total sum due under this Note will accrue interest from the date of acceleration or maturity at the interest rate under this Note until paid in full. DEFAULT. I will be in default under this Note if any of the following happen: Payment Default. I fail to make any payment when due under this Note. Break Other Promises. I break any promise made to Lender or fail to perform promptly at the time and strictly in the manner provided in this Note or in any agreement related to this Note, or in any other agreement or loan I have with Lender. Default in Favor of Third Parties. I or any Grantor defaults under any loan, extension of credit, security agreement, purchase or sales agreement, or any other agreement, in favor of any other creditor or person that may materially affect any of my property or my ability to repay this Note or perform my obligations under this Note or any of the related documents. False Statements. Any representation or statement made or furnished to Lender by me or on my behalf under this Note or the related documents is false or misleading in any material respect, either now or at the time made or furnished. Death or Insolvency. Any Borrower dies or becomes insolvent; a receiver is appointed for any part of my property; I make an assignment for the benefit of creditors; or any proceeding is commenced either by me or against me under any bankruptcy or insolvency laws. Taking of the Property. Any creditor or governmental agency tries to take any of the property or any other of my property in which Lender has a lien. This includes taking of, garnishing of or levying on my accounts with Lender. However, if I dispute in good faith whether the claim on which the taking of the property is based is valid or reasonable, and if I give Lender written notice of the claim and furnish Lender with monies or a surety bond satisfactory to Lender to satisfy the claim, then this default provision will not apply. Defective Collateralization. This Note or any of the related documents ceases to be in full force and effect (including failure of any collateral document to create a valid and perfected security interest or lien) at any time and for any reason. Collateral Damage or Loss. Any collateral securing this Note is lost, stolen, substantially damaged or destroyed and the loss, theft, substantial damage or destruction is not covered by insurance. Events Affecting Guarantor. Any of the preceding events occurs with respect to any guarantor, endorser, surety, or accommodation party of any of the indebtedness or any guarantor, endorser, surety, or accommodation party dies or becomes incompetent, or revokes or disputes the validity of, or liability under, any guaranty of the indebtedness evidenced by this Note. Cure Provisions. If any default, other than a default in payment, is curable and if I have not been given a notice of a breach of the same provision of this Note within the preceding twelve (12) months, it may be cured if, after Lender sends written notice to me demanding cure of such default: (1) cure the default within fifteen (15) days; or (2) if the cure requires more than fifteen (15) days, immediately initiate steps which Lender deems in Lender's sole discretion to be sufficient to cure the default and thereafter continue and complete all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical. LENDER'S RIGHTS. If I am in default, Lender may, in addition to any other rights Lender has declare my entire loan immediately due, without notice. I will then pay Lender the unpaid part of the Principal Amount, any interest that is earned but unpaid, and any reasonable collection costs. ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else who is not Lender's salaried employee to help collect this Note if I do not pay. I will pay Lender that amount. This includes Lender's attorneys' fees, however not to exceed fifteen percent (15%) of the unpaid debt after default, and Lender's legal expenses, whether or not there is a lawsuit, including without limitation all attorney's fees and legal expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), and appeals. If not prohibited by applicable law, I also will pay any court costs, in addition to all other sums provided by law. JURY WAIVER. Lender and I hereby waive the right to any jury trial in any action, proceeding, or counterclaim brought by either Lender or me against the other. GOVERNING LAW. This Note will be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the laws of the State of Oklahoma without regard to its conflicts of law provisions. This Note has been accepted by Lender in the State of Oklahoma. DISHONORED ITEM FEE. I will pay a fee to Lender of $25.00 if I make a payment on my loan and the check or other payment order including any preauthorized charge with which I pay is later dishonored. RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all my accounts with Lender (whether checking, savings, or some other account). This includes all accounts I hold jointly with someone else and all accounts I may open in the future. However, this does not include any IRA or Keogh accounts, or any trust accounts for which setoff would be prohibited by law. I authorize Lender, to the extent permitted by applicable law, to charge or setoff all sums owing on the indebtedness against any and all such accounts, and, at Lender's option, to administratively freeze all such accounts to allow Lender to protect Lender's charge and setoff rights provided in this paragraph. COLLATERAL. I acknowledge this Note is secured by the following collateral described in the security instrument listed herein: (A) a Consumer Security Agreement dated August 30, 2021 made and executed between Herschel C. Hawkins and Lender on collateral described as a motor vehicle. This Note shall not be secured by any previously granted collateral if doing so would cause this loan or obligation to be subject to the limits on consumer credit extended to service members, their spouse and their dependents, as provided in 10 U.S.C. 987 and its implementing regulations. SUCCESSOR INTERESTS. The terms of this Note shall be binding upon me, and upon my heirs, personal representatives, successors and assigns, and shall inure to the benefit of Lender and its successors and assigns. NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. I may notify Lender if Lender reports any inaccurate information about my account(s) to a consumer reporting agency. My written notice describing the specific inaccuracy(ies) should be sent to Lender at the following address: First United Bank and Trust Co Attn Loan Operations PO Box 130 Durant, OK 74702-0130. GENERAL PROVISIONS. If any part of this Note cannot be enforced, this fact will not affect the rest of the Note. Lender may delay or forgo enforcing any of its rights or remedies under this Note without losing them. I and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, and notice of dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. All such parties agree that Lender may renew or extend (repeatedly and for any length of time) this loan or release any party or guarantor or collateral; or impair, fail to realize upon or perfect Lender's security interest in the collateral. All such parties also agree that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several. This means that the words "I", "me", and "my" mean each and all of the persons signing below. PRIOR TO SIGNING THIS NOTE, I READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE. I AGREE TO THE TERMS OF THE NOTE. I ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE. BORROWER: [Signature] Herschel C. Hawkins 520249042 - Herschel C Hawkins - Consumer Non RE 365 Loan Information Type: Consumer Non RE 365 Balance: $17,572 Origination Date: 08/30/2021 Amount Due: $8,113.76 Payoff Messages Summary Information Fee Summary Effective Date: 11/10/2025 • Post Payoff <table> <tr> <th>Description</th> <th>Amounts</th> <th>Payoffs</th> </tr> <tr> <td></td> <td>$8,113.76</td> <td></td> </tr> <tr> <td></td> <td>$1,190.08</td> <td>$1,001.34</td> </tr> <tr> <td></td> <td>$14.56</td> <td>$11,016.50</td> </tr> <tr> <td></td> <td>$82.90</td> <td>$11,098.40</td> </tr> <tr> <td>Total Payoff</td> <td></td> <td>$11,791.40</td> </tr> </table> Account Inquiry - Consumer Non RE 365 520249042 - Herschel C Hawkins - Consumer Non RE 365 Account Name and Address Herschel C Hawkins Bad Address Payment Payment Due Date: 06/10/2022 Payment Amount: $828.92 Principal & Interest Amount: $828.92 Escrow Payment Amount: $0.00 Current Due: $0.00 Past Due Amount: $0.00 Number of Days Past Due: 1246 Balance Original Loan Amount: $44,622.00 Current Balance: $8,113.76 Interest Accrued: $3,190.08 Late Charge Due: $82.90 Other Charges: $0.00 Dates Original Loan Date: 08/30/2021 Last Payment Date: 05/13/2022 Maturity Date: 09/10/2027 Last Maintenance Date: 11/07/2025 Loan Term: 72 Loan Term (Units): M - Months Payments Remaining: 64 Collateral Collateral: 102 - Auto Used Rate Interest Rate: 9.990000 % Rate Review Date: Payoff Total Amount Due: $11,393.40 Partially Paid Amount: $0.00 Payment Type: 0 - Scheduled payment includes accrued int. Payment Frequency (Term): 1 Payment Frequency (Units): M - Months Interest Daily Accrual: $2.22072 Interest Base: 0 - Interest accrued on 365/365 Interest Paid YTD: $0.00 Secondary Interest Accrued: $6.66 Interest Paid to Date: 04/11/2022 Force Placed Insurance Force Placed Insurance: Reserve Details Suggested Reserve: 0.00 Internal Officer: RCN008 - Rhyan Newton Loan Type: IC - Consumer Non RE 365 Community Bank: 4 - FUB - Colbert, OK Troubled Loan Modification: No Report to Credit Bureau: Yes Charged Off Details Charged Off Amount: $8,113.76 Charged Off Date: 11/07/2025 Account Inquiry - Consumer Non RE 365 Loan Conversion Date: 520249042 - Herschel C Hawkins - Consumer Non RE 365 11/10/2025 Audit trail Title Herschel Hawkins Petition for signatures.pdf File name Herschel%20Hawkin...%20signatures.pdf Document ID 417e9bdda74b1c1ada6aab84a4f0c9fae846fa0f Audit trail date format MM / DD / YYYY Status • Signed This document was requested from app.clio.com Document History SENT 03 / 02 / 2026 20:14:44 UTC Sent for signature to Jacob Tol ([email protected]) by [email protected] acting on behalf of [email protected] IP: 24.112.14.169 VIEWED 03 / 02 / 2026 22:07:00 UTC Viewed by Jacob Tol ([email protected]) IP: 161.123.91.4 SIGNED 03 / 02 / 2026 22:08:14 UTC Signed by Jacob Tol ([email protected]) IP: 192.34.105.129 COMPLETED 03 / 02 / 2026 22:08:14 UTC The document has been completed.