First, to forestall any impressions that I am asking about this loan agreement as a way of casting aspersions on Charles's business practices, I most definitely am not. While the selling of annuities has potential for abuse, I have searched diligently and have found no (zero, zilch, gar nichts) evidence or even hints that Charles was any less straight in his business dealings than he was in his personal life. The poor guy has been dead for almost a year and it is certain that by now anybody with a complaint would have surfaced on social media or elsewhere.
Also, for sleuths who hunt down the original document (which is a public record, which I have redacted, and whose link I will provide to the mods on request), be warned the company that PFS was invested in has a less than stellar reputation. In addition, after diligent search I have found no evidence to indicate the relationship between the two companies persisted long enough to make the public record. The balance of evidence is that the loan document defines a relationship that was soon dissolved. For these reasons I have redacted its name and hope that others respect that decision.
Now that we've settled that, the attached document raises a question for those of us who believe in following the money, to wit: where did the $200K go? There's little evidence that the Vallows had any significant assets, and the nature of his business was such that he had minimal fixed expenses. That's a big chunk of change to just vanish. Did Lori end up with it?