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<title>RN149855 Blockchain-Based Credit Facility</title>
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<h1 class="text-4xl md:text-5xl font-bold mb-6 gradient-text">Blockchain-Based Credit Facility</h1>
<p class="text-xl text-gray-600 mb-8">Revolutionizing wholesale apparel financing with secure, transparent, and efficient digital solutions</p>
<div class="flex flex-col sm:flex-row justify-center gap-4">
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<p class="font-bold text-primary-dark">Issuer</p>
<p>RN149855 Wholesale Apparel</p>
<p class="text-sm">(through RN149855 Business Trust, CA)</p>
</div>
</div>
<div class="flex items-center mb-4 md:mb-0">
<i class="fas fa-map-marker-alt text-primary-dark text-2xl mr-3"></i>
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<p class="font-bold text-primary-dark">Location</p>
<p>Los Angeles, California</p>
</div>
</div>
<div class="flex items-center">
<i class="fas fa-coins text-primary-dark text-2xl mr-3"></i>
<div>
<p class="font-bold text-primary-dark">Financing Mechanism</p>
<p>RN149855 Fractal Bitcoin Ordinals NFT Tokens</p>
</div>
</div>
</div>
<!-- Warning Note -->
<div class="bg-red-50 border-l-4 border-red-500 p-5 my-6">
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<div class="ml-3">
<p class="text-sm text-red-700">
<strong class="font-medium">Please note:</strong> This is a conceptual framework for informational purposes and does not constitute legal advice. RN149855 must consult with legal counsel specializing in financial technology, blockchain, and California commercial law to ensure full compliance.
</p>
<p class="text-sm text-red-600 mt-2">
As a California-based entity, RN149855 Wholesale Apparel must navigate both federal and state regulations.
</p>
</div>
</div>
</div>
<!-- Program Overview -->
<div id="overview" class="px-6 py-8">
<div class="flex items-center mb-6">
<div class="h-10 w-1 bg-gradient-to-b from-primary to-secondary rounded-full mr-4"></div>
<h2 class="text-3xl font-bold text-primary">Program Overview</h2>
</div>
<div class="grid md:grid-cols-2 gap-8">
<div>
<p class="mb-4">The RN149855 Blockchain-Based Credit Facility offers an innovative financing solution for our valued wholesale apparel partners. By leveraging the security and transparency of the Fractal Bitcoin Blockchain and our unique NFT tokens, we provide flexible lines of credit designed to enhance purchasing power.</p>
<p>This facility streamlines access to financing, offering a modern, efficient, and transparent alternative to traditional credit lines.</p>
</div>
<div class="token-visualization p-6 rounded-lg">
<h3 class="text-xl font-semibold mb-4 text-primary-dark">How Our Tokenized Credit Works</h3>
<div class="space-y-4">
<div class="flex items-start">
<div class="flex-shrink-0 h-10 w-10 rounded-full bg-primary text-white flex items-center justify-center mr-4">
<span class="text-sm font-bold">1</span>
</div>
<p>Partners initiate credit by minting RN149855 BRC-20 tokens</p>
</div>
<div class="flex items-start">
<div class="flex-shrink-0 h-10 w-10 rounded-full bg-primary text-white flex items-center justify-center mr-4">
<span class="text-sm font-bold">2</span>
</div>
<p>Tokens represent credit value for inventory purchases</p>
</div>
<div class="flex items-start">
<div class="flex-shrink-0 h-10 w-10 rounded-full bg-primary text-white flex items-center justify-center mr-4">
<span class="text-sm font-bold">3</span>
</div>
<p>Flexible repayment terms from 30 to 60 days</p>
</div>
</div>
<div class="bg-white p-6 rounded-lg shadow-sm border border-gray-100 mt-6">
<h3 class="text-xl font-semibold mb-4 text-primary-dark">Risk Disclosure Statement</h3>
<p class="mb-4 text-sm">This document explains the unique risks of using blockchain technology and digital assets for credit:</p>
<ul class="list-disc pl-5 space-y-2 text-sm">
<li>Price volatility of Fractal Bitcoin/BRC-20 tokens</li>
<li>Potential for network congestion and transaction delays</li>
<li>Smart contract risks</li>
<li>Custodial risks (if RN149855 holds any assets or private keys)</li>
<li>Regulatory and tax uncertainties</li>
<li>Cybersecurity risks</li>
</ul>
</div>
</div>
</div>
</div>
<!-- Regulatory & Legal Framework -->
<div id="regulations" class="px-6 py-8 bg-gray-50">
<div class="flex items-center mb-6">
<div class="h-10 w-1 bg-gradient-to-b from-primary to-secondary rounded-full mr-4"></div>
<h2 class="text-3xl font-bold text-primary">Regulatory & Legal Framework</h2>
</div>
<div class="space-y-8">
<div class="bg-white p-6 rounded-lg shadow-sm border border-gray-100">
<div class="flex items-center mb-4">
<i class="fas fa-balance-scale text-secondary text-xl mr-3"></i>
<h3 class="text-xl font-semibold text-primary-dark">California Commercial Financing Disclosure Law</h3>
</div>
<p class="mb-4">Requires clear and standardized disclosures for commercial financing transactions between $5,000 and $500,000.</p>
<div class="overflow-x-auto">
<table class="min-w-full divide-y divide-gray-200">
<thead class="bg-gray-50">
<tr>
<th scope="col" class="px-6 py-3 text-left text-xs font-medium text-gray-500 uppercase tracking-wider">Item</th>
<th scope="col" class="px-6 py-3 text-left text-xs font-medium text-gray-500 uppercase tracking-wider">Requirement</th>
</tr>
</thead>
<tbody class="bg-white divide-y divide-gray-200">
<tr>
<td class="px-6 py-4 whitespace-nowrap text-sm font-medium text-gray-900">Total Amount</td>
<td class="px-6 py-4 text-sm text-gray-500">100,000 RN149855 Fractal Bitcoin Ordinals NFT Tokens (Equivalent to [USD Amount at Time of Offer] USD based on the RN149855 Fractal Bitcoin price quote on the Fractal Bitcoin Blockchain at [Time/Date])</td>
</tr>
<tr>
<td class="px-6 py-4 whitespace-nowrap text-sm font-medium text-gray-900">Total Dollar Cost</td>
<td class="px-6 py-4 text-sm text-gray-500">$0.00 USD (0% introductory rate through Q2 2025)</td>
</tr>
<tr>
<td class="px-6 py-4 whitespace-nowrap text-sm font-medium text-gray-900">Term Options</td>
<td class="px-6 py-4 text-sm text-gray-500">30, 45, or 60 Days (term begins on token minting date)</td>
</tr>
<tr>
<td class="px-6 py-4 whitespace-nowrap text-sm font-medium text-gray-900">Repayment Method</td>
<td class="px-6 py-4 text-sm text-gray-500">Repayment in Fractal Bitcoin via monthly payments distributed evenly over selected term</td>
</tr>
<tr>
<td class="px-6 py-4 whitespace-nowrap text-sm font-medium text-gray-900">Prepayment Policy</td>
<td class="px-6 py-4 text-sm text-gray-500">No penalties for prepaying any outstanding balance</td>
</tr>
<tr>
<td class="px-6 py-4 whitespace-nowrap text-sm font-medium text-gray-900">Annualized Rate</td>
<td class="px-6 py-4 text-sm text-gray-500">0.00% APR through Q2 2025</td>
</tr>
<tr>
<td class="px-6 py-4 whitespace-nowrap text-sm font-medium text-gray-900">Additional Terms</td>
<td class="px-6 py-4 text-sm text-gray-500">See full Master Credit Facility Agreement for comprehensive terms regarding default, remedies, representations, and warranties</td>
</tr>
</tbody>
</table>
<div class="mt-6 p-4 bg-white border rounded-lg">
<h3 class="font-semibold text-primary-dark mb-3">Recipient Acknowledgment</h3>
<div class="space-y-4">
<p class="text-sm">I/we have read and understood the terms and conditions outlined in this disclosure and the Master Credit Facility Agreement.</p>
<div class="grid grid-cols-1 md:grid-cols-2 gap-4">
<div>
<p class="text-sm font-medium mb-1">Recipient Signature:</p>
<div class="border-b border-gray-300 h-8"></div>
</div>
<div>
<p class="text-sm font-medium mb-1">Date:</p>
<div class="border-b border-gray-300 h-8"></div>
</div>
</div>
<div class="grid grid-cols-1 gap-4">
<div>
<p class="text-sm font-medium mb-1">Printed Name:</p>
<div class="border-b border-gray-300 h-8"></div>
</div>
<div>
<p class="text-sm font-medium mb-1">Title:</p>
<div class="border-b border-gray-300 h-8"></div>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="bg-white p-6 rounded-lg shadow-sm border border-gray-100">
<div class="flex items-center mb-4">
<i class="fas fa-gavel text-secondary text-xl mr-3"></i>
<h3 class="text-xl font-semibold text-primary-dark">Other Key Regulations</h3>
</div>
<div class="grid md:grid-cols-2 gap-4">
<div class="p-4 border-l-4 border-primary-light bg-gray-50">
<h4 class="font-medium text-primary-dark mb-2">CCFPL & UDAAP</h4>
<p class="text-sm">California Consumer Financial Protection Law requires annual reporting and prohibits unfair practices.</p>
</div>
<div class="p-4 border-l-4 border-primary-light bg-gray-50">
<h4 class="font-medium text-primary-dark mb-2">Digital Financial Assets Law</h4>
<p class="text-sm">New California law effective July 2026 may require licensing for digital asset activities.</p>
</div>
<div class="p-4 border-l-4 border-primary-light bg-gray-50">
<h4 class="font-medium text-primary-dark mb-2">Commercial Debt Collection</h4>
<p class="text-sm">SB 1286 extends fair debt collection practices to commercial debts under $500,000.</p>
</div>
<div class="p-4 border-l-4 border-primary-light bg-gray-50">
<h4 class="font-medium text-primary-dark mb-2">Federal Regulations</h4>
<p class="text-sm">BSA/AML/KYC compliance, potential SEC securities regulations, and CFTC considerations.</p>
</div>
</div>
</div>
</div>
</div>
<!-- Terms & Conditions -->
<div id="terms" class="px-6 py-8">
<div class="flex items-center mb-6">
<div class="h-10 w-1 bg-gradient-to-b from-primary to-secondary rounded-full mr-4"></div>
<h2 class="text-3xl font-bold text-primary">Terms & Conditions</h2>
</div>
<div class="space-y-6">
<div class="border border-gray-200 rounded-lg overflow-hidden">
<button onclick="toggleAccordion('eligibility')" class="w-full px-6 py-4 bg-primary-light text-left flex justify-between items-center hover:bg-primary-light-dark transition">
<h3 class="font-semibold text-primary-dark">Eligibility Requirements</h3>
<i class="fas fa-chevron-down transition-transform duration-300" id="eligibility-arrow"></i>
</button>
<div id="eligibility" class="px-6 py-4 hidden">
<ol class="list-decimal pl-5 space-y-2">
<li>Legally registered business entity in good standing</li>
<li>Primary operations in the United States, preferably California</li>
<li>Engaged in wholesale apparel purchase/distribution</li>
<li>Meets creditworthiness criteria including financial statements</li>
<li>Has compatible digital wallet for Fractal Bitcoin Blockchain</li>
<li>Completes KYC/AML verification processes</li>
<li>Agrees to all terms and conditions</li>
</ol>
</div>
</div>
<div class="border border-gray-200 rounded-lg overflow-hidden">
<button onclick="toggleAccordion('facility')" class="w-full px-6 py-4 bg-primary-light text-left flex justify-between items-center hover:bg-primary-light-dark transition">
<h3 class="font-semibold text-primary-dark">Facility Details</h3>
<i class="fas fa-chevron-down transition-transform duration-300" id="facility-arrow"></i>
</button>
<div id="facility" class="px-6 py-4 hidden">
<ol class="list-decimal pl-5 space-y-2">
<li>Revolving line of credit structure</li>
<li>Minting of RN149855 BRC-20 tokens for credit</li>
<li>Assigned credit limit in fiat equivalent</li>
<li>Token valuation based on blockchain price quote</li>
<li>30/45/60 day term options</li>
<li>Introductory 0% interest through Q2 2025</li>
<li>Monthly repayments in Fractal Bitcoin</li>
<li>Funds strictly for wholesale inventory purchases</li>
<li>NFTs serve as records of credit transactions</li>
</ol>
</div>
</div>
<div class="border border-gray-200 rounded-lg overflow-hidden">
<button onclick="toggleAccordion('prepayment')" class="w-full px-6 py-4 bg-primary-light text-left flex justify-between items-center hover:bg-primary-light-dark transition">
<h3 class="font-semibold text-primary-dark">Prepayment Policies</h3>
<i class="fas fa-chevron-down transition-transform duration-300" id="prepayment-arrow"></i>
</button>
<div id="prepayment" class="px-6 py-4 hidden">
<p>No prepayment penalties on any outstanding balance. Partners may repay their credit facility early without incurring additional fees.</p>
</div>
</div>
<div class="border border-gray-200 rounded-lg overflow-hidden">
<button onclick="toggleAccordion('default')" class="w-full px-6 py-4 bg-primary-light text-left flex justify-between items-center hover:bg-primary-light-dark transition">
<h3 class="font-semibold text-primary-dark">Default and Remedies</h3>
<i class="fas fa-chevron-down transition-transform duration-300" id="default-arrow"></i>
</button>
<div id="default" class="px-6 py-4 hidden">
<ul class="list-disc pl-5 space-y-2">
<li><strong>Events of Default:</strong> Non-payment, breach of terms, insolvency</li>
<li><strong>Remedies:</strong> Acceleration of balance, suspension/termination, legal action</li>
<li><strong>NFT Specific:</strong> Tokens transferred back to issuer</li>
</ul>
</div>
</div>
</div>
</div>
<!-- Necessary Documentation -->
<div id="documentation" class="px-6 py-8 bg-gray-50">
<div class="flex items-center mb-6">
<div class="h-10 w-1 bg-gradient-to-b from-primary to-secondary rounded-full mr-4"></div>
<h2 class="text-3xl font-bold text-primary">Necessary Documentation</h2>
</div>
<div class="space-y-4">
<div class="bg-white p-6 rounded-lg shadow-sm">
<h3 class="font-semibold text-lg text-primary-dark mb-4">Application Package Includes:</h3>
<div class="grid md:grid-cols-2 gap-6">
<div>
<h4 class="font-medium mb-2 text-primary-dark">Basic Business Information</h4>
<ul class="list-disc pl-5 space-y-1 text-sm">
<li>Full Legal Business Name</li>
<li>Business Addresses</li>
<li>Entity Type & State Registration</li>
<li>Federal Tax ID (EIN)</li>
<li>Primary Contact Information</li>
</ul>
</div>
<div>
<h4 class="font-medium mb-2 text-primary-dark">Financial & Digital</h4>
<ul class="list-disc pl-5 space-y-1 text-sm">
<li>Requested Credit Limit</li>
<li>Digital Wallet Address</li>
<li>Certification of Authority</li>
<li>KYC/AML Acknowledgements</li>
<li>Business Description</li>
</ul>
</div>
</div>
</div>
<div class="bg-white p-6 rounded-lg shadow-sm">
<div class="flex items-center mb-4">
<i class="fas fa-file-alt text-secondary mr-3"></i>
<h3 class="font-semibold text-lg text-primary-dark">Required Business Documents</h3>
</div>
<div class="grid md:grid-cols-3 gap-4 text-sm">
<div class="bg-gray-50 p-3 rounded">
<i class="fas fa-certificate text-primary-dark mb-1"></i>
<p>Certificate of Formation</p>
</div>
<div class="bg-gray-50 p-3 rounded">
<i class="fas fa-file-contract text-primary-dark mb-1"></i>
<p>EIN Confirmation</p>
</div>
<div class="bg-gray-50 p-3 rounded">
<i class="fas fa-id-card text-primary-dark mb-1"></i>
<p>Business Licenses</p>
</div>
<div class="bg-gray-50 p-3 rounded">
<i class="fas fa-file-signature text-primary-dark mb-1"></i>
<p>Operating Agreement</p>
</div>
<div class="bg-gray-50 p-3 rounded">
<i class="fas fa-user-tie text-primary-dark mb-1"></i>
<p>Board Resolutions</p>
</div>
<div class="bg-gray-50 p-3 rounded">
<i class="fas fa-users text-primary-dark mb-1"></i>
<p>Beneficial Ownership Info</p>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<!-- Footer -->
<footer class="bg-accent text-white py-12">
<div class="container mx-auto px-4">
<div class="grid md:grid-cols-4 gap-8">
<div>
<h3 class="text-xl font-bold mb-4">RN149855</h3>
<p>Innovative blockchain-based credit solutions for wholesale apparel businesses.</p>
</div>
<div>
<h4 class="font-bold mb-4">Quick Links</h4>
<ul class="space-y-2">
<li><a href="#overview" class="hover:text-secondary transition">Program Overview</a></li>
<li><a href="#regulations" class="hover:text-secondary transition">Regulations</a></li>
<li><a href="#terms" class="hover:text-secondary transition">Terms & Conditions</a></li>
</ul>
</div>
<div>
<h4 class="font-bold mb-4">Legal</h4>
<ul class="space-y-2">
<li><a href="#" class="hover:text-secondary transition">Privacy Policy</a></li>
<li><a href="#" class="hover:text-secondary transition">Terms of Service</a></li>
<li><a href="#" class="hover:text-secondary transition">Compliance</a></li>
</ul>
</div>
<div>
<h4 class="font-bold mb-4">Contact Us</h4>
<address class="not-italic">
<p class="mb-2">123 Blockchain Way</p>
<p class="mb-2">Los Angeles, CA 90001</p>
<p class="mb-2">[email protected]</p>
<p>(555) 123-4567</p>
</address>
</div>
</div>
<div class="border-t border-gray-700 mt-8 pt-8 text-center">
<p>© 2023 RN149855 Wholesale Apparel. All rights reserved.</p>
<p class="text-sm mt-2 text-gray-400">This is a conceptual framework only, not financial advice.</p>
</div>
</div>
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