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OPTIONAL LOAN PAYMENT AUTHORIZATION (LOAN NO. )

AGREEING TO THIS AUTHORIZATION IS OPTIONAL. IF YOU DO NOT WISH TO MAKE LOAN PAYMENTS BY THE METHODS DESCRIBED BELOW, PLEASE (1) NOTIFY US BY EITHER INFORMING A CUSTOMER REPRESENTATIVE OR CALLING 888-***-****; AND (2) DO NOT SIGN THS DOCUMENT. Payment Card Card No. Ending In:

Bank Account Account No. Ending In:

Authorization for Loan Payments.

The Loan and Note: This Optional Loan Payment Authorization ("OLPA ") is given in connection with the loan identified above (the “Loan”). It supplements the loan agreement or promissory note you have signed for the Loan (the “Note”).

Scheduled Payments on the Loan: We may initiate electronic payments on the above Payment Card and/or the above Bank Account to seek scheduled payments on the Loan (“Scheduled Payments”) on the dates set forth in the Note’s payment schedule, or as reflected in your periodic billing statement (if applicable), or in some cases at later times—for example, the day after a holiday or weekend when the payment would otherwise be due, the day after a courtesy payment deferral expires or the day we resolve an unforeseen technological issue such as the unavailability of our ACH processor. Past Due Payments and Other Amounts Due: At any time and from time to time, to the extent allowed by applicable law, we may initiate electronic payments on the Payment Card and/or the Bank Account to seek payment of: (1) any past due amount on the Loan: (2) any returned item (“RI”) fee (not applicable in Tennessee); or (3) the balance due on the Loan after its maturity or after we declare the entire balance to be due ((1)-(3) collectively, “Collection Payments”). We may initiate Collection Payments at the same time as we initiate Scheduled Payments. Whenever any ACH item is returned to us for any reason, we may, but are not required to, reinitiate an ACH entry to your Bank Account up to two additional times as permitted by applicable ACH rules. Authorization to Vary Scheduled Payment Amount and Right to Receive Notice of Variance: We will seek Scheduled Payments in the amounts set forth in the Note’s payment schedule or in any lower amount (for example, if you have made a partial payment prior to the date of the Scheduled Payment). We may increase the final Scheduled Payment by an amount up to 50% of the originally disclosed amount, for example, if you have made one or more prior payments later than the scheduled date and/or in an amount less than the Scheduled Payment amount, or if you have missed any payments. You have the right to receive written notice if a Scheduled Payment will vary from the amount of the prior payment or the amount set forth in the payment schedule of the Note. To exercise this right, please send a written request to us at P.O. Box 782260, Attn: ACH Payments, Wichita, KS 67278. Unless you exercise this right, you authorize us to vary the amount of any Scheduled Payment, without notice, to any amount from $0 to the amount of the scheduled (or agreed upon) payment and, in the case of the final Scheduled Payment to an amount up to 50% above the originally disclosed amount. Final Payment on Loan: In addition to the final Scheduled Payment on the Loan, on or after the final scheduled payment date, we may initiate Collection Payments to seek payment of any remaining amount you owe us (for example, as a result of prior late or partial payments). In no event will we initiate payment for an amount greater than the amount outstanding under the Note. Payments You Subsequently Request: Instead of or in addition to any payments described above, you authorize us to honor any subsequent phone, text, online or email instructions from you to initiate one or more electronic payments—for example, in connection with any modified payment plan we agree upon with you.

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Bank Account Payment Methods: When we initiate a payment from the Bank Account, we may process the payment as an ACH or other electronic payment or, instead, we may create and deposit a remotely created check ("RCC") or remotely created payment order payable on demand ("RCPO"). RCCs and RCPOs generally look like checks you would write but they do not have your signature, and RCPOs may exist only as electronic images. RCCs and RCPOs generally post to the Bank Account in the same way as regular checks you write.

Payment Information. To obtain current Loan and payment information, such as amounts and due dates of upcoming payments, amounts and dates of past payments, the outstanding balance of your Loan and the anticipated repayment method of your next Scheduled Payment, please contact a customer service representative at 888-***-****.

Authorization to Correct Errors and Modify Payments. In the event we make an error in seeking any payment authorized above, you authorize us to correct the error by initiating an electronic payment to or from the Payment Card or Bank Account.

Bank Fees. You understand that your bank may charge you a fee for each Bank Account payment that is returned unpaid (and in some cases for successful payments that overdraw the Bank Account or any bank account attached to the Payment Card). You agree that we are not liable to you regarding any such fees. IN THE EVENT THAT YOU BECOME AWARE THAT YOU DO NOT HAVE SUFFICIENT FUNDS TO COVER A PAYMENT, PLEASE CALL US AS SOON AS POSSIBLE AT 888-***-**** SO WE CAN TRY TO MAKE ALTERNATIVE ARRANGEMENTS WITH RESPECT TO THAT PAYMENT AND SAVE YOU POSSIBLE BANK FEES.

Cancelling or Changing this OLPA. You may change the Payment Card and/or Bank Account and may also cancel this OLPA as to: (1) Scheduled Payments; (2) Collection Payments; or (3) both Scheduled Payments and Collection Payments at any time. To take any such action, you must visit one of our stores; call us at 888-***-****; write us at P.O. Box 782260, Attn: ACH Payments, Wichita, KS 67278; email us at ***************@**********.***; or use any other method we provide. In no event shall any modification or cancellation of this OLPA be effective with respect to payment entries processed by us prior to the time we receive a modification or cancellation notice from you and have a reasonable chance to act on such notice. If you cancel or change this OLPA, we may (but need not) require you to confirm your action in writing or, alternatively, ourselves confirm your action in writing. Miscellaneous. You promise that you are an authorized user of the Payment Card and an authorized signer on the Bank Account.

Our successors, agents and service providers may exercise our rights under this OLPA. If you inadvertently transpose a digit or make a similar error in providing us with information about the Payment Card or Bank Account, you authorize us to correct the error after verifying the information. If we receive information that the Payment Card or Bank Account has been replaced, we may treat the replacement payment card or bank account as the Payment Card or Bank Account. This OLPA supplements the Note and is subject to all of the Note's provisions, including the Arbitration Provision

(if any). However, in the event of any conflict between the Note and this OLPA, this OLPA shall control. In the event of any conflict between this OLPA and any subsequent OLPA with respect to this Loan, the subsequent OLPA shall control.

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Payment Cards on Your

Account

Card Nos. Ending In:

OPTIONAL PAYMENT CARD AUTHORIZATION

Purpose of Authorization: This Optional Payment Card Authorization ("OPCA") is designed to identify all Payment Cards on your Account—the Payment Cards we may use to collect non-scheduled payments on any loan from us, past, present or future (each, a “Loan”). Authorization for Collection Payments. We want you to know that the payment cards identified above (the

“Payment Cards”) are currently associated with your Account. By signing this OPCA, you agree that we may initiate electronic payments on any of these Payment Cards to collect non-scheduled payments on any of our Loan(s) to you, including: (1) any past due amount; (2) any returned item (“RI”) fee (not applicable in Tennessee); or (3) the balance due after maturity or after we declare the entire balance due. Optional Loan Payment Authorizations: This OPCA supplements any Optional Loan Payment Authorization you have signed or are entering into in connection with a specific Loan (an “OLPA”). If a previously executed OLPA identifies a Payment Card that is not shown on this OPCA, we will no longer use such Payment Card for any payments under the OLPA. If a subsequently executed OLPA identifies a Payment Card that is not shown on this OPCA we will deem this OPCA to be amended without further action to: (1) add such Payment Card to your Account; and (2) if adding such Payment Card would result in more than four Payment Cards on your Account, to remove from your Account a Payment Card of your choice (or our choice, if you do not express a choice of your own). We do not need to give you notice of such actions but will advise you, upon request, of the Payment Cards on your Account.

Authorization to Correct Errors and Modify Payments. In the event we make an error in seeking any payment, you authorize us to correct the error by initiating an electronic payment to or from the affected Payment Card.

Changing this OPCA. You may change the Payment Card(s) on your Account at any time (and may eliminate any or all Payment Cards on your Account) by executing a revised OPCA or using any other method we provide. You must visit one of our stores; call us at 888-***-****; write us at P.O. Box 782260, Attn: ACH Payments, Wichita, KS 67278; email us at ***************@**********.***; or go online to Speedycash.com. If we allow you to change this OPCA without signing a new OPCA, we may (but need not) confirm your action in writing.

Miscellaneous. You promise that you are an authorized user of each Payment Card on your Account. Our successors, agents and service providers may exercise our rights under this OPCA If you inadvertently transpose a digit or make a similar error in providing us with information about a Payment Card, you authorize us to correct the error after verifying the information. If we receive information that any Payment Card has been replaced, we may treat the replacement payment card as a Payment Card on your Account.

This OPCA supplements each loan agreement or promissory note with us that you have signed. In the event of any conflict, this OPCA shall control. However, if you have agreed to arbitrate disputes with us, this OPCA is subject to your arbitration agreement (or the most recent arbitration agreement to which you are subject). BY SIGNING BELOW, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS ABOVE (INCLUDING ANY OLPA ABOVE), AND YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED A COPY OF THIS OPCA (AND ANY OLPA ABOVE). Date: Customer: /s/

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