CATO FAMILY PERSONAL LOAN - TERMS & CONDITIONS

Product: CFB-FML-001 - Cato Family Member Micro-Loan

Please review the terms below before submitting your request. If your loan is approved, it will be issued according to these terms:

Loan Amount Range: $25 - $250

Interest Rate: 5.00% - 10.00%, final rate set during underwriting

Repayment Term: 6 - 12 installments

Repayment Schedule: Installment schedule confirmed in writing before disbursement

Fees: No origination fee, processing fee, fixed late fee, or monthly late-fee rate configured on the default product

Collateral / Guarantor Requirements: None configured by default

Default Terms: Subject to underwriting and the final signed loan note; missed payments may result in delinquency or collection action

Insurance Policy Authorization: By submitting this request, the borrower authorizes Cato Family Private Bank to evaluate, initiate, or facilitate an insurance policy application connected to this loan request when appropriate for loan protection, collateral planning, or family banking strategy. This authorization does not guarantee loan approval or insurance approval, and any policy remains subject to borrower eligibility, insurer underwriting, required disclosures, and final written terms.

This request does not guarantee approval. All loans are subject to underwriting and review by Cato Family Private Bank. Final terms will be confirmed in writing if your request is approved.