According to the 2025 Beverly Anns Cookie Franchise Disclosure Document, the lender for the Promissory Note is Eagle Financial Services, Inc. This is according to Exhibit H-6, which is titled "PROMISSORY NOTE - EAGLE FINANCIAL SERVICES, INC." This note is included as part of the contracts for use with the Beverly Ann's Cookies franchise, suggesting that franchisees may utilize this financing option.

Additionally, the document includes an "EAGLE FINANCIAL SERVICES, INC. CONSENT AND NOTICE REGARDING ELECTRONIC COMMUNICATIONS", indicating that franchisees will likely interact with Eagle Financial Services, Inc. electronically. This includes agreeing to an Electronic Signature Agreement and consenting to receive all communications, notices, and disclosures electronically. This consent extends to loan documents and any other relevant information from Eagle Financial Services, Inc.

Prospective Beverly Anns Cookie franchisees should carefully review the terms of the Promissory Note and the Electronic Communications Consent. Understanding the obligations and implications of electronic signatures and communications is crucial for managing their financial relationship with Eagle Financial Services, Inc. It is advisable to consult with a financial advisor or legal professional to fully understand the terms and conditions before entering into any agreement.