Document:

Loan No: 45392	PROMISSORY NOTE 
	Page 1

 

	Principal	Loan
    Date	Maturity	Loan
    No	Call
    / Coll	Account	Officer	Initials
	$1,232,500.00	03-29-2018	09-29-2018	45392	4
    / 60	 	JSJ	 
	 	 	 	 	 	 	 	 
	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:	IMAC
    HOLDINGS, LLC 

    CHIROPRACTIC 

    2725 JAMES SANDERS BLVD 

    PADUCAH, KY 42001	Lender:	INDEPENDENCE
                                         BANK OF KENTUCKY

Paducah-Jefferson 

Sq - NMLS #405645 PO BOX 1776

        3143
        BROADWAY STREET

        PADUCAH,
        KY 42001

        (270)
        442-1716

         

 

	Principal
    Amount:   $1,232,500.00	Interest
    Rate:   3.350%	Date
    of Note:   March 29, 2018

 
PROMISE
TO PAY. IMAC HOLDINGS, LLC (“Borrower”) promises to pay to INDEPENDENCE BANK OF KENTUCKY (“Lender”), or
order, in lawful money of the United States of America, the principal amount of One Million Two Hundred Thirty-two Thousand Five
Hundred & 501100 Dollars ($1,232,600.00), together with Interest on the unpaid principal balance from March 29, 2018, calculated
as described in the “INTEREST CALCULATION METHOD” paragraph using an interest rate of 3,350 d per annum, 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 $1,232,600.00 plus interest an September 29, 2018. This payment due on
September 29, 2018, will be for all principal and all accrued interest not yet paid. in addition, Borrower wilt pay regular monthly
payments of all accrued unpaid interest due as of each payment date, beginning April 29, 2018, with all subsequent interest payments
to be due on the same day of each month after that. Unless otherwise agreed or required by applicable law, payments will be applied
first to any late charges; then 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.

 

INTEREST
CALCULATION METHOD. Interest on this Note is computed on a 3661366 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.
Borrower agrees that all lean 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 ae 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. 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 will remain obligated to pay arty
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: INDEPENDENCE BANK OF KENTUCKY, Paducah-Jefferson
Sq • NMLS #405645, PO BOX 1776, 3143 BROADWAY STREET, PADUCAH, KY 42001.

 

    	 

    	Loan No: 45392	PROMISSORY NOTE 
 (Continued)	Page 2

    

 

LATE
CHARGE. If a payment is 10 days or mote late, Borrower will be charged 5.000% of the regularly scheduled payment or $25.00, whichever
is greater.

 

INTEREST
AFTER DEFAULT. Upon default, inducting failure to pay upon final maturity, the interest rate on this Note shall be increased to
18.000% per annum. 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 fells 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 arty 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 Borrowers 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 dissolution of Borrower (regardless of whether election to continue is made), any member withdraws from Borrower,
or any other termination of Borrower’s existence as a going business or the death of any member. the insolvency of Borrower,
the appointment of a receiver for any part of Borrowers 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 Forfeiture Proceedings. Commencement of foreclosure or forfeiture proceedings, whether by judicial proceeding, self-help, repossession
or any ether method, by any creditor of Borrower or by any governmental agency against any collateral securing the loan. This
includes a garnishment of any of Borrowers 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.

 

Insufficient
Account Balance. Failure to satisfy Lender’s requirement set forth in the insufficient Account Balance section of the Assignment
of Deposit Account.

 

Events
Affecting Guarantor. Any of the preceding events occurs with respect to any Guarantor of any of the indebtedness or any Guarantor
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.

 

    	 

    	Loan No: 45392	PROMISSORY NOTE 
 (Continued)	Page 3

    

 

Cure
Provisions. if any default, other than a default in payment or failure to satisfy Lender’s requirement in the Insufficient
Account Balance section, 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 five (5) Clays; or (2) if the cure requires more than five (5) days, immediately
initiates steps which Lender deem in Lender’s ode 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 reasonable attorneys’ fees and Lender’s
legal expenses whether or not there is a lawsuit. including reasonable 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 Commonwealth of Kentucky without regard to its conflicts of law provisions. This Note has been accepted by Lender in the
Commonwealth of Kentucky.

 

DISHONORED
ITEM FEE. Borrower will pay a fee to Lender of $35.00 if Borrower makes a payment on Borrower’s loan and the check or 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.

 

COLLATERAL.
Borrower acknowledges this Note is secured by the following collateral described in the security instrument listed herein: certificates
of deposit described in art Assignment of Deposit Account dated March 29, 2018.

 

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.

 

GENERAL
PROVISIONS. If any part of this Note cannot be enforced, this fact will not affect the rest of the Note. Lender rimy 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 dishonor. Upon arty
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; and take any other action !Seemed 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.

 

    	 

    	Loan No: 45392	PROMISSORY NOTE 
 (Continued)	Page 4

    

 

BORROWER:

 

	IMAC
    HOLDINGS, LLC	 
	 	 
	By:	/s/
                                         Jeff Ervin
	 
	 	Jeff
    Ervin, Chief Operating Officer of IMAC 	 
	 	HOLDINGS, LLC	 

 

LENDER:

 

	INDEPENDENCE
                                         BANK OF KENTUCKY

        
	 
	 	 
	By:	/s/
                                         Scott Johnston
	 
	 	Scott
    Johnston, Sr. Lender McCracken Co. NMLS #791065,Loan
    No: 37328	COMMERCIAL LINE OF
CREDIT AGREEMENT 
	Page
    1

 

	Principal	Loan
    Date	Maturity	Loan
    No	Call
    / Coll	Account	Officer	Initials
	$150,000.00	07-09-2017	08-01-2018	37328	4
    / 26	 	JSJ	 
	 	 	 	 	 	 	 	 
	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:	INTEGRATED
    MEDICINE AND

    CHIROPRACTIC REGENERATION

    CENTER PSC 

    2725 JAMES SANDERS BLVD 

    PADUCAH, KY 42001	Lender:	INDEPENDENCE
                                         BANK OF KENTUCKY

                                         Paducah-Jefferson

                                         Sq - NMLS #405645 PO BOX 1776

        3143
        BROADWAY STREET

        PADUCAH,
        KY 42001

        (270)
        442-1716

 

 

 

	CREDIT LIMIT:    $150,000.00	DATE
    OF AGREEMENT:    July 9, 2017

 

Introduction.
This Commercial Line of Credit Agreement (“Agreement”) governs Borrower’s line of credit (the “Credit
Line” or the “Credit Line Account”) issued through INDEPENDENCE BANK OF KENTUCKY. Borrower agrees to the following
terms and conditions:

 

Promise
to Pay. Borrower promises to pay INDEPENDENCE BANK OF KENTUCKY, or order, the total of all credit advances and FINANCE CHARGES,
together with all costs and expenses for which Borrower is responsible under this Agreement or under “a Security Agreement”
which secures Borrower’s Credit Line. Borrower will pay Borrower’s Credit Line according to the payment terms set
forth below. If there is more than one Borrower, each is jointly and severally liable on this Agreement. This means Lender can
require any Borrower to pay all amounts due under this Agreement, including credit advances made to any Borrower. Each Borrower
authorizes any other Borrower, on his or her signature alone, to cancel the Credit Line, to request and receive credit advances,
and to do all other things necessary to carry out the terms of this Agreement. Lender can release any Borrower from responsibility
under this Agreement, and the others will remain responsible.

 

Term.
The term of Borrower’s Credit Line will begin as of the date of this Agreement (“Opening Date”) and will continue
until August 1, 2018 (“Maturity Date”). All indebtedness under this Agreement, if not already paid pursuant to the
payment provisions below, will be due and payable upon maturity. The draw period of Borrower’s Credit Line will begin on
the Opening Date and will continue as follows: the Credit Line can be accessed up until the Maturity date. Borrower may obtain
credit advances during this period (“Draw Period”). Borrower agrees that Lender may renew or extend the period during
which Borrower may obtain credit advances or make payments. Borrower further agrees that Lender may renew or extend Borrower’s
Credit Line Account.

 

Minimum
Payment. Borrower’s “Regular Payment” will equal the amount of Borrower’s accrued FINANCE CHARGES, Borrower
will make 12 of these payments. Borrower will then be required to pay the entire balance owing in a single balloon payment. If
Borrower makes only the minimum payments, Borrower may not repay any of the principal balance by the end of this payment stream.
Borrower’s payments will be due monthly. Borrower’s “Minimum Payment” will be the Regular Payment, plus
any amount past due and all other charges. An increase in the ANNUAL PERCENTAGE RATE may increase the amount of Borrower’s
Regular Payment. Borrower agrees to pay not less than the Minimum Payment on or before the due date.

 

Balloon
Payment. Borrower’s Credit Line Account is payable in full upon maturity in a single balloon payment. Borrower must pay
the entire outstanding principal, interest and any other charges then due. Unless otherwise required by applicable law, Lender
is under no obligation to refinance the balloon payment at that time. Borrower may be required to make payments out of other assets
Borrower owns or find a lender, which may be Lender, willing to lend Borrower the money. If Borrower refinances the balloon payment,
Borrower may have to pay some or all of the closing costs normally associated with a new credit line account, even if Borrower
obtains refinancing from Lender.

 

    	 

    	Loan No: 37328	COMMERCIAL LINE OF CREDIT AGREEMENT 
 (Continued)	Page 2

    

 

How
Borrower’s Payments Are Applied. Unless otherwise agreed or required by applicable law, payments and other credits will
be applied to accrued interest, late fees, and then to principal.

 

Credit
Limit. This Agreement covers a revolving line of credit for the principal amount of One Hundred Fifty Thousand & 00/100 Dollars
($150,000.00), which will be Borrower’s “Credit Limit” under this Agreement. Borrower may borrow against the
Credit Line, repay any portion of the amount borrowed, and re-borrow up to the amount of the Credit Limit. Borrower’s Credit
Limit is the maximum amount Borrower may have outstanding at any one time. Borrower agrees not to attempt, request, or obtain
a credit advance that will make Borrower’s Credit Line Account balance exceed Borrower’s Credit Limit. Borrower’s
Credit Limit will not be increased should Borrower overdraw Borrower’s Credit Line Account. If Borrower exceeds Borrower’s
Credit Limit, Borrower agrees to repay immediately the amount by which Borrower’s Credit Line Account exceeds Borrower’s
Credit Limit. Any amount greater than the Credit Limit will be secured by the security agreement covering Borrower’s property.

 

Charges
to Borrower’s Credit Line. Lender may charge Borrower’s Credit Line to pay other fees and costs that Borrower is obligated
to pay under this Agreement, the security agreement or any other document related to Borrower’s Credit Line. In addition,
Lender may charge Borrower’s Credit Line for funds required for continuing insurance coverage as described in the paragraph
titled “Insurance” below or as described in the security agreement for this transaction. Any amount so charged to
Borrower’s Credit Line will be a credit advance and will decrease the funds available, if any, under the Credit Line, However,
Lender has no obligation to provide any of the credit advances referred to in this paragraph.

 

Credit
Advances. Beginning on the Opening Date of this Agreement, Borrower may obtain credit advances under Borrower’s Credit Line
as follows:

 

Officer
Approval. Upon approval by an Independence Bank Loan Officer.

 

If
there is more than one person authorized to use this Credit Line Account, Borrower agrees not to give Lender conflicting instructions,
such as one Borrower telling Lender not to give advances to the other.

 

Transaction
Requirements. The following transaction limitations will apply to the use of Borrower’s Credit Line:

 

Officer
Approval Limitations. The following transaction limitations will apply to Borrower’s Credit Line and accessing by other
methods.

 

Minimum
Advance Amount. The minimum amount of any credit advance that can be made on Borrower’s Credit Line is $100.00.

 

Limitation
on All Access Devices. You may not use any access device, whether described above or added in the future, for any illegal or unlawful
transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness.
Notwithstanding the foregoing, we may collect on any debt arising out of any illegal or unlawful transaction.

 

Future
Credit Line Services. Borrower’s application for this Credit Line also serves as a request to receive any new services (such
as access devices) which may be available at some future time as one of Lender’s services in connection with this Credit
Line. Borrower understands that this request is voluntary and that Borrower may refuse any of these new services at the time they
are offered. Borrower further understands that the terms and conditions of this Agreement, together with any specific terms covering
the new service, will govern any transactions made pursuant to any of these new services.

 

Collateral.
Borrower acknowledges this Agreement is secured by the following collateral described in the security instrument listed herein:
(A) Collateral described in a Commercial Security Agreement.

 

Insurance.
Borrower must obtain insurance on the Property securing this Agreement that is reasonably satisfactory to Lender. Borrower may
obtain property insurance through any company of Borrower’s choice that is reasonably satisfactory to Lender. Borrower has
the option of providing any insurance required under this Agreement through an existing policy or a policy independently obtained
and paid for by Borrower, subject to Lender’s right, for reasonable cause before credit is extended, to decline any insurance
provided by Borrower. Subject to applicable law, if Borrower fails to obtain or maintain insurance as required in the security
agreement, Lender may purchase insurance to protect Lender’s own interest, add the premium to Borrower’s balance,
declare the loan in default, or do any one or more of these things.

 

    	 

    	Loan No: 37328	COMMERCIAL LINE OF CREDIT AGREEMENT 
 (Continued)	Page 3

    

 

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), including without limitation, 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 this Agreement
against any and all such accounts.

 

When
FINANCE CHARGES Begin to Accrue. Periodic FINANCE CHARGES for credit advances under Borrower’s Credit Line will begin to
accrue on the date credit advances are posted to Borrower’s Credit Line. There is no “free ride period” which
would allow Borrower to avoid a FINANCE CHARGE on Borrower’s Credit Line credit advances.

 

Method
Used to Determine the Balance on Which the FINANCE CHARGE Will Be Computed. A daily FINANCE CHARGE will be imposed on all credit
advances made under Borrower’s Credit Line imposed from the date of each credit advance based on the “daily balance”
method. To get the daily balance, Lender takes the beginning balance of Borrower’s Credit Line Account each day, adds any
new advances, and subtracts any unpaid FINANCE CHARGES and any payments or credits. This gives Lender the “daily balance.”

 

Method
of Determining the Amount of FINANCE CHARGE. Any FINANCE CHARGE is determined by applying the “Periodic Rate” to the
balance described herein. Then Lender adds together the periodic FINANCE CHARGES for each day in the statement cycle. This is
Borrower’s FINANCE CHARGE calculated by applying a Periodic Rate.

 

Borrower
also agrees to pay FINANCE CHARGES, not calculated by applying a Periodic Rate, as set forth below:

 

Loan
Fee. Borrower will be charged a prepaid FINANCE CHARGE of $250.00, which is a flat fee. This amount is payable when Lender establishes
Borrower’s Credit Line and may also be imposed upon any future increase in Borrower’s Credit Limit.

 

Periodic
Rate and Corresponding ANNUAL PERCENTAGE RATE. The Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE on Borrower’s
Credit Line are subject to change from time to time based on changes in an independent index which is the Base Rate on corporate
loans posted by at least 75% of the nation’s 30 largest banks known as the Wall Street Journal Prime Rate (the “Index”).
The Index is not necessarily the lowest rate charged by Lender on Lender’s loans. If the Index becomes unavailable during
the term of this Credit Line Account, Lender may designate a substitute index after notice to Borrower. The ANNUAL PERCENTAGE
RATE on Borrower’s Credit Line is based upon the Index described below.

 

The
Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE on Borrower’s Credit Line will increase or decrease as the Index
increases or decreases from time to time. Lender will determine the Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE
as follows: Lender starts with the current Index as disclosed below. To determine the Periodic Rate that will apply to Borrower’s
account, Lender takes the value of the Index, then divides the value by the number of days in a year (daily). To obtain the ANNUAL
PERCENTAGE RATE Lender multiplies the Periodic Rate by the number of days in a year (daily). This result is the ANNUAL PERCENTAGE
RATE. In no event will the Periodic Rate result in a corresponding ANNUAL PERCENTAGE RATE that is less than 4.000%, nor will the
Periodic Rate or corresponding ANNUAL PERCENTAGE RATE exceed the maximum rate allowed by applicable law. Adjustments to the Periodic
Rate and the corresponding ANNUAL PERCENTAGE RATE resulting from changes in the Index will take effect daily. Today the Index
is 4.250% per annum, and therefore the initial ANNUAL PERCENTAGE RATE and the corresponding Periodic Rate on Borrower’s
Credit Line are as stated below:

 

    	 

    	Loan No: 37328	COMMERCIAL LINE OF CREDIT AGREEMENT 
 (Continued)	Page 4

    

 

Current
Rates for the First Payment Stream

 

	Range
    of Balance or Conditions	 	Margin
    Added to Index	 	 	ANNUAL
    
PERCENTAGE RATE	 	 	Daily
    Periodic Rate	 
	All
    Balances	 	 	0.000	%	 	 	4.250	%	 	 	0.01164	%

 

Notwithstanding
any other provision of this Agreement, Lender will not charge interest on any undisbursed loan proceeds.

 

Conditions
Under Which Other Charges May Be Imposed. Borrower agrees to pay all the other fees and charges related to Borrower’s Credit
Line as set forth below:

 

Returned
Items. You may be charged $35.00 if you pay your Credit Line obligations with a check, draft, or other item that is dishonored
for any reason, unless applicable law requires a lower charge or prohibits any charge.

 

Fee
to Stop Payment. Borrower’s Credit Line Account may be charged $35.00 when Borrower requests a stop payment on Borrower’s
account.

 

Right
to Credit Advances. Beginning on the Opening Date, Lender will honor Borrower’s requests for credit advances up to Borrower’s
Credit Limit so long as: (Al Borrower is not in default under the terms of this Agreement; (B) this Agreement has not been terminated
or suspended.

 

Default.
Lender may declare Borrower to be in default if any one or more of the following events occur: (A) Borrower fails to pay a Minimum
Payment when due; (B) an event of default occurs under the security agreement for the Property; (C) the Property is further encumbered
in any way, voluntarily or involuntarily; (D) Borrower dies; (E) Borrower makes any false or misleading statements on Borrower’s
Credit Line application; (F) Borrower violates any provision of this Agreement or any other agreement with Lender; (G) any garnishment,
attachment, or execution is issued against any material asset owned by Borrower; (H) Borrower exceeds Borrower’s Credit
Limit; (I) Borrower files for bankruptcy or other insolvency relief, or an involuntary petition under the provisions of the Bankruptcy
Code is filed against Borrower; (J) Lender in good faith believes itself insecure.

 

Lender’s
Rights. If Borrower is in default, Lender will send notice to Borrower setting forth a time period of at least five (5) days within
which such default may be cured. During this cure period, without notice, Lender may suspend Borrower’s Credit Line as provided
below. If such default is not cured during this period, Lender may either terminate or continue suspension of Borrower’s
Credit Line Account.

 

Suspension.
If Lender suspends Borrower’s Credit Line, Borrower will lose the right to obtain further credit advances. However, all
other terms of this Agreement will remain in effect and be binding upon Borrower, including Borrower’s liability for any
further unauthorized use of any Credit Line access devices.

 

Termination.
If Lender terminates Borrower’s Credit Line, Borrower’s Credit Line will be suspended and the entire unpaid balance
of Borrower’s Credit Line Account will be immediately due and payable, without prior notice except as may be required by
law, and Borrower agrees to pay that amount plus all FINANCE CHARGES and other amounts due under this Agreement.

 

Collection
Costs. Lender may hire or pay someone else to help collect this Agreement if Borrower does not pay. Borrower will pay Lender that
amount. This includes, subject to any limits under applicable law, Lender’s reasonable attorneys’ fees and Lender’s
legal expenses whether or not there is a lawsuit, including reasonable 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.

 

    	 

    	Loan No: 37328	COMMERCIAL LINE OF CREDIT AGREEMENT 
 (Continued)	Page 5

    

 

Rate
Increase. In addition to Lender’s other rights on default, Lender may increase the variable interest rate under this Agreement
to 18.000 percent per annum. The interest rate will not exceed the maximum rate permitted by applicable law. If Lender does not
increase the interest rate on default, it will continue at the variable rate in effect as of the date Lender declares a default.

 

Delay
in Enforcement. Lender may delay or waive the enforcement of any of Lender’s rights under this Agreement without losing
that right or any other right. If Lender delays or waives any of Lender’s rights, Lender may enforce that right at any time
in the future without advance notice. For example, not terminating Borrower’s account for non-payment will not be a waiver
of Lender’s right to terminate Borrower’s account in the future if Borrower has not paid.

 

Termination
by Borrower. If Borrower terminates this Agreement, Borrower must notify Lender in writing at the address shown on Borrower’s
periodic statement or other designated address. Despite termination, Borrower’s obligations under this Agreement will remain
in full force and effect until Borrower has paid Lender all amounts due under this Agreement.

 

Prepayment.
Borrower may prepay all or any amount owing under this Credit Line at any time without penalty, except Lender will be entitled
to receive all accrued FINANCE CHARGES, and other charges, if any. Payments in excess of Borrower’s Minimum Payment will
not relieve Borrower of Borrower’s obligation to continue to make Borrower’s Minimum Payments. Instead, they will
reduce the principal balance owed on the Credit Line. 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 Agreement, and Borrower will remain 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: INDEPENDENCE BANK OF KENTUCKY, Paducah-Jefferson Sq - NMLS #405645,
PO BOX 1776, 3143 BROADWAY STREET, PADUCAH, KY 42001.

 

Notices.
All notices will be sent to Borrower’s address as shown in Borrower’s Credit Line application. Notices will be mailed
to Borrower at a different address if Borrower gives Lender written notice of a different address. Borrower agrees to advise Lender
promptly if Borrower changes Borrower’s mailing address.

 

Credit
Information and Related Matters. Borrower authorizes Lender to release information about Borrower to third parties as described
in Lender’s privacy policy and Lender’s Fair Credit Reporting Act notice, provided Borrower did not opt out of the
applicable policy, or as permitted by law. Borrower agrees that, upon Lender’s request, Borrower will provide Lender with
a current financial statement, a new credit application, or both, on farms provided by Lender. Borrower also agrees Lender may
obtain credit reports on Borrower at any time, at Lender’s sole option and expense, for any reason, including but not limited
to determining whether there has been an adverse change in Borrower’s financial condition. Based upon a material adverse
change in Borrower’s financial condition (such as termination of employment or loss of income), Lender may suspend Borrower’s
Credit Line. Lender may require a new appraisal of the Property which secures Borrower’s Credit Line at any time, including
an internal inspection, at Lender’s sole option and expense.

 

Transfer
or Assignment. Without prior notice or approval from Borrower, Lender reserves the right to sell or transfer Borrower’s
Credit Line Account and Lender’s rights and obligations under this Agreement to another lender, entity, or person, and to
assign Lender’s rights under the security agreement, Borrower’s rights under this Agreement belong to Borrower only
and may not be transferred or assigned. Borrower’s obligations, however, are binding on Borrower’s heirs and legal
representatives. Upon any such sale or transfer, Lender will have no further obligation to provide Borrower with credit advances
or to perform any other obligation under this Agreement.

 

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: 37328	COMMERCIAL LINE OF CREDIT AGREEMENT 
 (Continued)	Page 6

    

 

Governing
Law. This Agreement will be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the
laws of the Commonwealth of Kentucky without regard to its conflicts of law provisions. This Agreement has been accepted by Lender
in the Commonwealth of Kentucky.

 

Caption
Headings. Caption headings in this Agreement are for convenience purposes only and are not to be used to interpret or define the
provisions of this Agreement.

 

Interpretation.
Borrower agrees that this Agreement, together with the security agreement, is the most reliable evidence of Borrower’s agreements
with Lender. If a court finds that any provision of this Agreement is not valid or should not be enforced, that fact by itself
will not mean that the rest of this Agreement will not be valid or enforced. Therefore, a court may enforce the rest of the provisions
of this Agreement even if a provision of this Agreement may be found to be invalid or unenforceable. If Lender goes to court for
any reason, Lender can use a copy, filmed or electronic, of any periodic statement, this Agreement, the security agreement or
any other document to prove what Borrower owes Lender or that a transaction has taken place. The copy, microfilm, microfiche,
or optical image will have the same validity as the original. Borrower agrees that, except to the extent Borrower can show there
is a billing error, Borrower’s most current periodic statement is the most reliable evidence of Borrower’s obligation
to pay.

 

Severability.
If a court of competent jurisdiction finds any provision of this Agreement to be illegal, invalid, or unenforceable as to any
circumstance, that finding shall not make the offending provision illegal, invalid, or unenforceable as to any other circumstance.
If feasible, the offending provision shall be considered modified so that it becomes legal, valid and enforceable. If the offending
provision cannot be so modified, it shall be considered deleted from this Agreement. Unless otherwise required by law, the illegality,

invalidity, or unenforceability of any provision of this Agreement shall not affect the legality,
validity or enforceability of any other provision of this Agreement.

 

Acknowledgment
and Amendments. Borrower understands and agrees to the terms and conditions in this Agreement. Borrower acknowledges that, subject
to applicable laws, Lender has the right to change the terms and conditions of the Credit Line program, including without limitation,
the Margin. Borrower also understands and agrees that Borrower may be subject to other agreements with Lender regarding transfer
instruments or access devices which may access Borrower’s Credit Line. Any person signing below may request a modification
to this Agreement, and, if granted, the modification will be binding upon all signers. By signing this Agreement, Borrower acknowledges
that Borrower has read this Agreement. Borrower also acknowledges receipt of a completed copy of this Agreement.

 

BORROWER:

 

INTEGRATED
MEDICINE AND CHIROPRACTIC REGENERATION CENTER PSC

 

	By:	/s/
    Matthew Collier Wallis	 	By:	/s/
    Jason William Brame
	 	MATTHEW
    COLLIER WALLIS, Director of INTEGRATED MEDICINE AND CHIROPRACTIC REGENERATION CENTER PSC	 	 	JASON
    WILLIAM BRAME, Director of INTEGRATED MEDICINE AND CHIROPRACTIC REGENERATION CENTER PSC

 

	ACCEPTED:
    INDEPENDENCE BANK OF KENTUCKY 
	 	 	 
	By:	 /s/
Scott Johnston    	 
	 	Scott
    Johnston, Sr. Lender McCracken Co. NMLS #791055

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