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SPEEDY CASH

CREDIT SERVICES DISCLOSURE STATEMENT

Customer:

Transaction Number:

In this Credit Services Disclosure Statement (“Disclosure Statement”), the words "Customer," "Buyer," "you" and "your" mean the person who has signed this Disclosure Statement below. The words "Seller," "we," "us," and "our" mean, a registered Texas credit services organization (“CSO”) licensed as a credit access business (“CAB”) operating pursuant to Chapter 393 of the Texas Finance Code ("Chapter 393") and under the regulatory authority of the Office of the Consumer Credit Commissioner located at 2601 N. Lamar Blvd., Austin, TX 78705, Consumer Helpline is 800-***-****; Facsimile: 512-***-****; email address is ad3fm2@r.postjobfree.com and website address is www.occc.texas.gov.

This Disclosure Statement is not a promise to provide credit services nor is it an extension of consumer credit. If you would like to continue after you read this Disclosure Statement, and if you qualify for our services, we will enter into a separate Credit Services Agreement ("CSA") with you. You acknowledge that we may accept or reject, at our discretion, your request for credit services. Until we accept your request for credit services and enter into a CSA which may be provided to you, we shall have no obligation to assist you in obtaining an extension of consumer credit. Even if we enter into a CSA, we do not promise that you will actually receive an extension of consumer credit. All credit decisions will be made by a third-party lender. AS PART OF THIS DISCLOSURE STATEMENT, CHAPTER 393 REQUIRES THAT WE PROVIDE YOU WITH THE FOLLOWING DISCLOSURES:

DESCRIPTION OF OUR SERVICES: We are not a lender or a credit repair organization. We will not improve your credit record, credit history or credit rating, nor will we provide any advice or assistance to you with regard to any such activity. If you agree to use our services, for the fee set forth below, we will attempt to: (1) obtain an extension of consumer credit (the “Loan”) from a third party lender in with an annualized rate of interest of not more than ten percent (10%); (2) guaranty the Loan made by the lender; (3) assist you in preparing and completing documents necessary to obtain the Loan; (4) cash your lender direct draft, if any, received from the lender; and (5) collect and service the loan and remit payments to the lender. We do not promise that you will actually receive a loan. All credit decisions will be made by lender. The estimated period for performing these services will not exceed 180 days. All amounts you receive from the lender will be paid with a two-party draft (“Lender Direct Draft”), which we will cash for you at no additional cost. Cost of Our Services: YOU WILL NOT OWE US ANY FEE IF YOUR LOAN APPLICATION IS DENIED OR YOU CHOOSE NOT TO ACCEPT ANY LOAN THAT IS APPROVED FOR YOU. If you qualify for a loan under the lender’s underwriting criteria, we will charge you fees based upon the amount and term of your Loan provided to you by the lender. You will be required to make payments periodically, and each payment will consist of fees charged by us (“CAB Fees”), as well as interest and principal charged by the lender. The maturity date of your Loan is based on your pay period cycle and the origination date of your loan. The CAB Fees are calculated at per annum of the outstanding principal amount on the Loan. The CAB Fees are not due at the origination date of the Loan, and are not deferred. The CAB Fees are only due and owing at the daily accrued rate during the applicable period when we perform our services and as long as your Loan remains outstanding. Your payments of CAB Fees to CAB, plus principal and interest to lender, will be payable every two weeks, semi-monthly, or monthly depending on your pay period cycle. In the aggregate, your total CAB Fees will be . These CAB Fees will be payable in installments, along with principal and interest charged by the lender, in the schedule sent forth below. Note that the CAB Fee payments will also be included in your Payment Schedule identified in your Truth in Lending Disclosures in your Promissory Note with lender. Although the fee that we charge you is not interest, the Federal Truth in Lending Act requires that it be included in the finance charge calculation for your Loan, which will be disclosed by your lender. In general, the amount of your finance charge will depend upon several factors, including the amount of credit that the lender extends to you, the amount of the CAB Fee, the interest rate charged by the lender and the term of the Loan. We take no responsibility for calculating the finance charge disclosed in your Loan; rather, the lender will disclose the precise amount of the finance charge. Page 2 of 4

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On your Loan made today in the principal amount of, you will owe the lender this principal amount plus interest of 10% per annum charged by the lender in the amount of . As provided above, the total CAB Fees paid to CAB are . The principal amount, interest and CAB Fees will be paid in periodic installments: periodic payments of are due and a final payment of due on . The Annual Percentage Rate of the Finance Charge, as calculated by lender, will be . Therefore, if you timely repay your Loan on its maturity date, (1) the total of payments will be ; and (2) the amount of credit extended to you by the lender will be . If you pay your CAB Fee early, you will not be entitled to a refund; however, there will not be a penalty for prepayment.

No extensions of the maturity date of your Loan will be permitted. Should you be unable to pay off your Loan upon maturity, you may be eligible to refinance your Loan with the lender, subject to the limitations expressed herein, if any. However, because our credit services to you will be substantially the same whether you are seeking a new Loan or refinancing an existing Loan, you will be required to enter into another CSA with us and pay an additional CAB Fee to refinance your Loan. YOU MAY PREPAY THE LOAN IN WHOLE OR IN PART AT ANY TIME WITHOUT PENALTY. PREPAYMENTS WILL REDUCE YOUR INTEREST CHARGES AND CAB FEES. YOU CAN MAKE PREPAYMENTS AT THE LOCATION WHERE YOU OBTAINED YOUR LOAN. If you prepay your Loan in full or in part before the maturity date, you will not receive a refund or credit for CAB Fees previously paid or due to us. However, no liability for CAB Fees will accrue after prepayment of the Loan in full. In addition to the CAB fees, if your Automated Clearinghouse (ACH) payment or other payment device which you give to us as payment is returned for any reason, you will owe us a returned item fee of . If you make a combined payment of amounts due under the Promissory Note and the CSA and the payment is returned, you will owe a single returned payment fee. YOU UNDERSTAND THAT THE LOAN AND SERVICES WE PROVIDE MAY NOT BE AT THE LOWEST RATES OR ON THE BEST TERMS AVAILABLE, AND YOU MAY LOOK ELSEWHERE FOR CREDIT SERVICES AND A LOAN. AN ADVANCE OF MONEY OBTAINED THROUGH A PAYDAY LOAN OR AUTO TITLE LOAN IS NOT INTENDED TO MEET LONG-TERM FINANCIAL NEEDS. A PAYDAY LOAN OR AUTO TITLE LOAN SHOULD ONLY BE USED TO MEET IMMEDIATE SHORT-TERM CASH NEEDS. REFINANCING THE LOAN RATHER THAN PAYING THE DEBT IN FULL WHEN DUE WILL REQUIRE THE PAYMENT OF ADDITIONAL CHARGES. YOU SHOULD CONSIDER OTHER OPTIONS AVAILABLE TO YOU. REPETITIVE REFINANCING OF YOUR LOAN MAY CAUSE YOU TO INCUR CAB FEES THAT APPEAR DISPROPORTIONATE TO YOUR ORIGINAL LOAN. Your Right to Assert a Claim Against Our Surety Bond: In accordance with Chapter 393, we have filed a surety bond in the amount of $10,000, in favor of persons damaged by a violation of Chapter 393, and in favor of the State of Texas for the benefit of such persons. Subject to other applicable law, a person making a claim against the surety bond for a violation of Chapter 393 may file suit against us and the surety. The surety's liability is limited to actual damages, reasonable attorney's fees, and court costs awarded under Section 393.503, but the surety's aggregate liability for your claim and all other claims may not exceed the amount of the bond. By law, we are required to maintain the surety bond until the second anniversary of the date on which we cease operations. The name and address of our surety is: The Hanover Insurance Company, 440 Lincoln Street, Worcester, MA 01615-0141. Information About Consumer Reporting Agencies and Your Rights: If you obtain a Loan from a third-party lender that is processed and serviced by us, we may report information about your account to consumer reporting agencies. Late payments, missed payments or other defaults on your account may be reflected in your credit report. A Consumer Reporting Agency ("CRA") is an entity that gathers information about consumers and sells the information to creditors, employers, and other entities. To find a CRA, look in your local telephone listings under "credit" or "credit rating and reporting." Because more than one CRA may have a file on you, call each until you locate each agency that maintains a file about you. Three major national CRAs are:

Equifax Experian Trans Union

P.O. Box 740241 P.O. Box 2104 P.O. Box 1000

Atlanta, GA 30374-0241 Allen, TX 75013 Chester, PA 19022

800-***-**** 888-***-**** 800-***-****

In addition, anyone who takes action against you in response to a report supplied by a CRA, such as denying your application for credit, insurance, or employment, must give you the name, address, and telephone number of the CRA that provided the report. Page 3 of 4

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Access to, and Charges for, Your Report: If you ask, the CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year, or two years for employment related requests. There is no charge to review your report if a company takes adverse action against you, such as denying your application for credit, insurance or employment, and you request your report within 60 days of receiving the notice of the action OR within 30 days of the CRA's receipt of such notice. The notice will give you the name, address, and phone number of the CRA. In addition, you are entitled to one free report a year from each of the three major CRAs if (1) a person has taken adverse action against you because of information in your credit report; (2) you are the victim of identity theft and place a fraud alert in your file; (3) your file contains inaccurate information as a result of fraud; (4) you are on public assistance; or (5) you are unemployed but expect to apply for employment within SIXTY (60) days. Every consumer is entitled to one free credit report a year from each of the three major national CRAs. To receive your free credit reports or for more information, visit www.annualcreditreport.com. Alternatively, you may order your reports by telephone at 877-***-**** or by mail addressed to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. For a copy of the mail-in form, go to https://www.annualcreditreport.com/cra/requestformfinal.pdf. Lastly, you are entitled to your credit report at a minimal charge at any other time.

Incomplete or Inaccurate Information: Both the CRA and the information provider have responsibilities for correcting inaccurate or incomplete information in your report. To protect all your rights under this law, contact both the CRA and the information provider. First, tell the CRA in writing what information you believe is inaccurate. CRAs must reinvestigate the items in question, usually within 30 days, unless they consider your dispute frivolous. They also must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so that they can correct this information in your file. When the reinvestigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. Second, tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider then reports the item to any CRA, it must include a notice of your dispute. In addition, if the information is inaccurate, the information provider may not use it again. This process may not resolve your dispute. If that is the case, ask the CRA to include your statement of the dispute in your file and in future reports. If you request, the CRA also will provide your statement to anyone who received a copy of the old report in the recent past. There usually is a fee for this service. If you tell the information provider that you dispute an item, a notice of your dispute must be included anytime the information provider reports the item to a CRA. However, accurate information contained in a report cannot be permanently removed. For more information, visit www.ftc.gov. Access to Your Report: Only people with a legitimate business need, as recognized by the FCRA, may obtain your report. For example, a company is allowed to get your report if you apply for credit, insurance, employment, or to rent an apartment. A CRA may not supply information about you to your employer, or to a prospective employer, without your consent. Access to Medical Information: Creditors, employers, or insurers must have your authorization to get a report that contains medical information about you.

When Reports Become Obsolete: Most information contained in your report expires in 7 years. Exceptions to this rule include information about criminal convictions (no time limit); bankruptcy information (10 years); information reported in response to an application for a job with a salary of more than $75,000 (no time limit); information reported because of an application for more than

$150,000 worth of credit or life insurance (no time limit); information about a lawsuit or an unpaid judgment against you (longer of 7 years or until the statute of limitations expires). A CRA may not issue a report containing obsolete information. Complaints: CAB implements and maintains complaint handling procedures that include a timely review and response to customer complaints and concerns. CAB agrees to maintain and post its own toll-free consumer hotline number in each of its business locations. If you have any complaints and/or concerns, please contact the CAB by telephone at 888-***-****. NOTICE: OTHER, LESS EXPENSIVE CREDIT SERVICES MAY BE AVAILABLE TO YOU, AND NONPROFIT CREDIT COUNSELING SERVICES ARE AVAILABLE TO YOU. CHECK YOUR TELEPHONE DIRECTORY UNDER "CREDIT

& DEBT COUNSELING," OR SEARCH THE INTERNET UNDER "CREDIT & DEBT COUNSELING" FOR MORE INFORMATION.

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BY SIGNING BELOW, YOU: (1) WARRANT THAT YOU ARE NOT A DEBTOR UNDER ANY PROCEEDING IN BANKRUPTCY AND HAVE NO INTENTION TO FILE A PETITION FOR RELIEF UNDER THE UNITED STATES BANKRUPTCY CODE; (2) ACKNOWLEDGE THAT YOU HAVE RECEIVED, READ, UNDERSTOOD AND ACCEPTED ALL OF THE TERMS ON ALL PAGES OF THIS DISCLOSURE STATEMENT BEFORE SIGNING THE BINDING ARBITRATION AGREEMENT; (3) AGREE THAT THIS DISCLOSURE STATEMENT INVOLVES INTERSTATE COMMERCE; (4)ACKNOWLEDGE THAT YOU RECEIVED A COPY OF OUR PRIVACY POLICY; AND (5) ACKNOWLEDGE THAT YOU RECEIVED A COPY OF THIS DISCLOSURE STATEMENT BEFORE EXECUTING A CONTRACT OR PAYING ANY FEE OR PROVIDING OTHER VALUABLE CONSIDERATION. This Disclosure Statement is received and executed on . Customer's Signature: /s/