STANDARD PROMISSORY NOTE

1. THE PARTIES. On November 15 2018, Two (2) individuals known as Donald Bley and Jeaneen
Bley of 5430 Morganford Rd, St Louis, Missouri, 63116, referred to as the “Borrower”,

HAS RECEIVED AND PROMISES TO PAY:

Two (2) individuals known as Michael Droney and Nicole Droney of 623 Camilla St, Park Hills,
Missouri, 63601, referred to as the “Lender”, the sum of $38,250.00 US Dollars, referred to as the
"Borrowed Money", with interest accruing on the unpaid balance at a rate of 12.5 percent (%) per
annum, referred to as the "Interest Rate", beginning on November 15 2018 under the following terms
and conditions:

2. PAYMENTS. The full balance of this Note, including any accrued interest and late fees, is due and
payable on August 1 2021, referred to as the "Due Date". The Borrowed Money shall be repaid via
installments every month in the following schedule:

The Borrowed Money shall be repaid in monthly installments on the Eighteenth (18th) of every month
beginning on December 15 2018 with any remaining balance payable on the Due Date. Each payment
due shall be for the amount of $2100.

If the Lender does not receive payment on time for any installment there shall be a late payment fee of
$100.00 (US Dollars) every day payment is late.

In addition, money that is not paid on-time for any installment will be charged an increased Interest
Rate of 0.5 percent (%) per annum beginning the day payment was due and ending when the payment
is made.

3. SECURITY. This note shall be secured under the following:

The Borrower agrees to provide MULBERRY RING platinum circa 1930, referred to as the “Security”,
which shall transfer to the possession and ownership of the Lender IMMEDIATELY if this Note should
be in default. The Security may not be sold or transferred without the Lender’s consent during the
course of this Note. If the Borrower breaches this provision, the Lender may declare all sums due under
this Note immediately due and payable, unless prohibited by applicable law.

If the Borrower defaults under this Note the Lender shall have the right to obtain ownership and
possession of the Security. The Lender shall have the sole option to accept it as full payment for the
Borrowed Money without further liabilities or obligations. If the market value of the Security does not
exceed the Borrowed Money, the Borrower shall remain liable for the balance due while accruing
interest at the maximum rate allowed by law.

4. INTEREST DUE IN THE EVENT OF DEFAULT. In the event the Borrower fails to pay the note
in full on the Due Date, the unpaid principal shall accrue interest at the maximum rate allowed by law
until the Borrower is no longer in default.

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5. ALLOCATION OF PAYMENTS. Payments shall be first credited to any late fees due, then to
interest due and any remainder will be credited to principal.

6. PREPAYMENT. Borrower may prepay this Note without penalty.

7. ACCELERATION. If the Borrower is in default under this Note or is in default under another
provision of this Note, and such default is not cured within the minimum allotted time by law after
written notice of such default, then Lender may, at its option, declare all outstanding sums owed on this
Note to be immediately due and payable.

This includes rights of possession to the Security mentioned in Section 3.

8. ATTORNEYS’ FEES AND COSTS. Borrower shall pay all costs incurred by Lender in collecting
sums due under this Note after a default, including reasonable attorneys’ fees. If Lender or Borrower
sues to enforce this Note or obtain a declaration of its rights hereunder, the prevailing party in any such
proceeding shall be entitled to recover its reasonable attorneys’ fees and costs incurred in the
proceeding (including those incurred in any bankruptcy proceeding or appeal) from the non-prevailing
party.

9. WAIVER OF PRESENTMENTS. Borrower waives presentment for payment, a notice of dishonor,

10. NON-WAIVER. No failure or delay by Lender in exercising Lender’s rights under this Note shall
be considered a waiver of such rights.

11. SEVERABILITY. In the event that any provision herein is determined to be void or unenforceable
for any reason, such determination shall not affect the validity or enforceability of any other provision,
all of which shall remain in full force and effect.

12. INTEGRATION. There are no verbal or other agreements that modify or affect the terms of this
Note. This Note may not be modified or amended except by a written agreement signed by Borrower
and Lender.

13. CONFLICTING TERMS. The terms of this Note shall have authority and precedence over any
conflicting terms in any referenced agreement or document.

14. NOTICE. Any notices required or permitted to be given hereunder shall be given in writing and
shall be delivered (a) in person, (b) by certified mail, postage prepaid, return receipt requested, (c) by
facsimile, or (d) by a commercial overnight courier that guarantees next day delivery and provides a
receipt, and such notices shall be made to the parties at the addresses listed below.

15. GUARANTORS. Yvonne Coleman and John Prosser, referred to as the "Guarantors", agrees to the
liabilities and obligations on behalf of the Borrower under the terms of this Note. If the Borrower does
not make payment, the Guarantors shall be personally responsible and is guaranteeing the payment of
the principal, late fees, and all accrued interest under the terms of this Note.

16. EXECUTION. The Borrower executes this Note as a principal and not as a surety. If there is a Co-
Signer, the Borrower and Co-Signer shall be jointly and severally liable under this Note.
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17. GOVERNING LAW. This note shall be governed under the laws in the State of Missouri.

With my signature below, I affirm that I have read and understood this promissory note.

Borrower's Signature: ______________________________ Date: ___11/15/2018___

Print Name: Donald Bley

Borrower's Signature: ______________________________

Print Name: Jeaneen Bley

Lender's Signature: ______________________________ Date: __11/15/2018_____

Print Name: Michael Droney

Lender's Signature: ______________________________ Date: ____11/15/2018___

Print Name: Nicole Droney

Guarantor's Signature: ___________________________ Date:__11/15/2018__

Print Name: Yvonne Coleman

Guarantor's Signature: ___________________________ Date:___11/15/2018_

Print Name: John Prosser

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