GUARANTY
1. For good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the undersigned (herein
referred to as the "Undersigned"), promises and agrees to pay to UMB Bank, n.a. (herein referred to as "Creditor"), when due,
whether by acceleration or otherwise, and at all times thereafter, all obligations, liabilities and indebtedness (herein collectively
referred to as the "Obligations"), of
herein referred to as "Principal" to Creditor
now or hereafter arising under and in connection with that certain VISA credit card(s) issued by Creditor in favor of Principal, and
related credit card account(s) and credit card account agreement(s), as the same may be amended or supplemented from time to
time, and all renewals, extensions and replacements thereof, and substitutions therefore, in whole or in part, and all other
obligations arising under any other agreement, instrument or certificate executed in connection with the said credit card(s) and
related credit card account(s) and credit card account agreement(s).
2. This instrument is continuing, absolute and unconditional; provided, however, that the Undersigned may by notice in writing, sent
by registered mail, return receipt requested, to Creditor at Creditor's office at Kansas City, Missouri, terminate this Guaranty with
respect to the Obligations of Principal incurred by Principal after the date on which such notice is received by Creditor. This is a
guaranty of payment and not of collection, and the Undersigned's liability hereunder shall be primary, direct and immediate.
3. If any default occurs in connection with the Obligations, the Undersigned agrees to pay to Creditor upon demand the full amount
which would be payable hereunder by the Undersigned if all Obligations were then due and payable.
4. The Undersigned hereby consents and agrees that Creditor may at any time and from time to time, without notice to the
Undersigned, extend or renew for any period (whether or not longer th