Wildsr. Fnrraat 5 The Cash Store - #3153 New Loan #1 1'1 5345693113 2'.'93 El -- -- Austin. ?'B7fl2 I I ma Finance Charges $30-nun Advance Amount Fees paid an ynur bahalf $5.00 Fees Tntal: Business Hours M-F1 Elam Sat: 9am -3pm Thanh Tau We Apqarauiate Your Bualnassl -- - - -- :|iIy-phusaraiertoyourannlrau Hnlama dun may In-ulucla lien and Summary of yuur scheduled payment.-5: 1 1111:2012 $493.72 $1.e23.u1 2' i "$40512 $1,445.35 3 1i:2--9m12 if -- $4na.?2' $1.ue.a.aa 5 -- -- s9aa.41 -- --1m:u2u1a 1 sqaajin 1' $541.09 a -- n2m2u13 sanaii $355.42 9 '2:21:2H1h :4a'aE_ $133.6? -- man --11 V-- -- i 1'3_ -- 14: 1 'mu I: fi'ecta'v? I13 EHANEE5 to WIN $J.Oflfl F, PLIIS grant PRIZES VHIUED WTEKIV providing your rtwiuw at: l.I 1. Star: Hurnhen I153, CID flfifilflfifim 3. u-F Vlsit: 'Fur rules, sweepatalces puri:-cl and PREVIDU5 WINNERS |:|1usa visit Ha purch:-scfsurvev required In enter. Sweanflikfi mu1I.'ipIe cllenta. nparatu-WBarT - nEar'1"- 1nnaf2i:+12 -- CDHSUMER IHSTALLMENT LOAN AGREEMENT A-i't'l Lander: 0 Treelaao Funding Group. LLG 03-40 Meadow Ftoad. Suite Edit Dallas. TX T5231 in this Installment Loan Agreement {herein referred to as the 'Loan Agreement'). the words 'you' and "your' mean the BDWUVFEF identified above. The Words and 'our' mean Troolulac Funding Group. LLC- Cottonwood Texas. LP. diets The Ca sh Store. a thircl--party eredit services organization. is referred to here in as The Cash Store' or THUR PFtlEll?ll5E TO any to pay us {the principal amount of this loan] plus interest from the date of this Loan Agreement until you repay the loan in full at the annual rate of plus other pennitted charges as set forth in this Loan Agreement. you promise to repay the Emil WEITBUHWJF lit' l'Dlc'I| of ion payments in the amounts listed in the payment schedule i'Peyment Si:heo'uie'} below on or before the payment due dates iindiyiduaily, a "Payment Due Date', and ms 'Payment Due Dares"; listed below. The payment amounts set forth in the Payment Schedule below include fees you have agreed to pay to can {the Feas'}. You have agreed to pay 050 Fees to to ensure that a letter of credit securing this loan remains in good standing until you repay the loan in 'full. Each scheduled payment due on a Payment Due Date must be submitted to us in cash. cashier's check. or money order at the office of The Cash Store before its oi'l'iee closes for business on the Payment Due Date. or at such other address as one direct you in writing. The -flash Store is not owned by, operated by or affilieted by ownership with us and does not have authority to maire or renew loans. Federal Truth-in-Lending Disclosures Amuum Total of Payments Financed The amount you will have paid "15 Di '3f9"3l|l alter you have made all to you or on your behalf. Parmants as scheduladl $1,500.00 $3,362.23 "r"ou have the right to recenre at this time an itemization of the Amount Financed- I want an itemization I do not want an itemization Payment Schedule: hursday. November 1, 2012 hloyembsr 15 . Move moor 29. 2012 Thu December 13 2012 2012 . January Eel. 2013 i' 3013 21.2013 Security: This loan is secured by a Letter of Credit. Prepayment: it you payoff eany. you will not have to pay penalty. and you will not be entitled to a refund of part of the Finance Charge that consists of interest. See the temts below and the other side of this Loan agreement for any additional lnfonnation about nonpayment. default. and lack of orepayrnent OF AHBITRATTDH AGREEMENT Bsfors signing this Loan Agreement. you should carefully review the Waiver of Jury Trial and iilrrisitratlon Provision below. The Waiver of Jury Trial and Arbitration Prey-lsion provides that all claims arising from or rsiating to this Loan Agreement or any other agreement that you and wl have into must be resolved by binding arbitration if the person or entity against whom a claim is asserted elects to arbitrate the claim. Thus. If the person or entity against whom you assert a claim elects to arbitrate the claim. than you will not have the following important rights: it} you not have a right to hairs a trial by jury resolve any dispute alleged against us antllor related third parties; you will not have a right to have a court. other than a small claims tribunal, resolve any dispute alleged against us andlior related third parties: and {til} you will not have a right: Page 1 of 4 NOTICE: THIS DOCUMENT GDNTAINE MORE THAN ONE FA-GE Tilt TMFG 050112 Wilder.-S LOAN nonccriienricosnnusoi TERMS AND CONDITIONS OF THIS LOAN AGREEMENT to serve as a representative. as I private attorney general. or In any other representative capacity. an-dior participate as a rrierntser of I clan oi claimant. in any lalrluil Iilati against us or endror any related third parties. Default and ilucceleretton: You will be in default under this Loan Agreement do not pay as something you owe us under this Loan Agreement. You will be in default ct this Loan iligreernent it any ti-iird~party letters of credit sacJr'lng this loan become impaired. are cancelled. or aspire- it you default under title Loan Agreement. it-is outstanding balance at the loan and all accrued and unpaid interest will be irrtmectately due and payable vvititoui further notice or demand. izaictiietien of interest and Application at interest: interest shall be computed upon the o-u'standing prini::'pai balance of tire loan by using an actual day simple interest method from the date at the Loan Agreement until the iinal Payment Due Date. This means that lrttereet is computed by dividing the annual interest rate by 355. rriulttpiying that number by the outstanding principal balance. and rriulliplying that number by the actual number of days the principal balance is outstanding. Interest is not compounded. lilo Interest is charged alter the final Payment Due Date- The simple interest disclosed in the Payment Schedule above has been computed based on the assumption that you will pay all installments on the scheduled Faynt-ant Due Dates. Arty prepayment applied toward the principal balance may decrease the arnount irfiu The amount of this decrease or increase will be rettected hi the that payment. Each payment shall be applied first to any less and charges i:nving. titan to the accumulated lntwest. and finally to the payment at principal. Provided however. that it the amount of tile is inaufltcient to pay the accumulated interest. the unpaid Interest oortiinues to accumulate to be paid from the proceeds of stibsequent fllifl ii-Eli fldfillii ill ii1H limit'-itfliil balance. The Finance Charge consists of l'nta-rest chtilrgod at the rate of annually and tan [1iJ_l alt'-tarata installments ofthe GED Fees due and ovliing byyou he the . Initial cad Fee: You agree to pay us ti1e 'Initial coo Fee'. shown above as a 'Prepaid Finance charge'. The Initial E30 Fee is payable on and DY C30 H5 at the data at this Loan agreement. The Initial C30 Fee is non-efundable. even it you pay all your loan oany. -liddltiortai Proceeds: You agree to Increase the principal amount oil tilts loan by an amount equal to the Initial G30 Fee and authorize us to use these "additional Proceeds' to pay the Initial C50 Fae on your behall. separate Payntent of Third-Party cso Fees: In connection with any third-party fees such as loss for loan brokerage. iatiar{e] at credit and other credit services, you acimowtedge the toilowing: You separately contracted with a CS0 to provide you credit enhancement. and dihercra-o'ii services. You agreed to pay the CS0 on initial installment of the can Fee for those services and agree to use part oi' the the C5t'.'l's Ietterot credit services to ensure dial the credit enhancement provided by the ?50 in the form or a latter of credit remains effective and In good standing during the term ol the loan. You understand that any fees paid to the can for arranging this loan [though required to be treated as a Finance Charge for purposes ofiaderal law disclosures as shown above} are for separate services and not interest for purposes at Tattas law. You understand that your taste the C30 included in the 'Federal Disclosures" must be paid by you to the C50. that you are instructing us to pay the iritiel installment C50 Fee on your behalf with a portion or your loan proceeds. and that no portion at the Fee will be paid in us You flair-or understand and acres that the sohoduro shown above includes periodic installments ot'tt'ieC5l.'.i' Fees to-bapaid byyeu lb B50. liletltod oi' Payment: All of your payments under this Loan agreement must be made in cash. by a cashiers check. or by rnonoy order. Prepayment: You may prepay In pert or in full the enrount due under this Loan Agreement at any time and you will not incur an additional charge, fee or penalty. if you prepay. you chat be entitled to a means of that part of the Finance Charge titet consists of interest. In addition. we will rebate and refiind the Interest we have some-d, if you prapey the loan In it.il| prior to midnight on the third day after the date of this Loan the payment obligations oi' this Loan Jiigreement vvii be canceled upon such if you payoff early. you may not be entitled to a rebate oi' the CED Fee portion ofthe Finertoe Charge that you |:ia;id beiiore the payoff date. -dancallatlan of ttredlt Services Agreement: You agree that ii. in accordance with applicable law. you cancel your agreement with the '$30 that has agreed to pri.'tvide aecttrity your loan. you will be obligated to imrnedistety pay us or to our order the entire amount of the icon. Fteturriad item Fee and collection costs: You agree chest: or ABH authorisation you give to us is returned unpaid either to us or to any other transferee. assigned or holder thereof. If we or any assigned. transferee or holder of this agreement must pursue collection ettlorta against you. you agree to pay all reasonable collection agency fees. ettomsy's fees. court costs. and other collection costs actually incurred by us or such assigned. transferee or holder of this agreern-ant. P393 2 or 4 NOTICE: THIS oocuueur uogafli?igilgifi gage? Einrroyrsr-. vvIrtnr.Fprraste hto: TERMS Aria oorrumous or THIS LEIAM AGREEMENT gitatiairera: have to repaytt'ie_toan even ifvreoreomeone ataerepeetedty agree to rensnvorei-rtand It forsny length ottime errevtse 5 VW Dflfiiflil 10 any eitteneton oftirne or other that -we matte that in any way impairs orsueperv.-ta our remedies or We shall net waive any at our rights under this Loan agreement by rnatdng an tor you or someone ates. Ho waiver. finlamt or approval. by us. to a change tr amendment of any tent: or ttendittort of this Loan Agreement ehait be efieottve unless it Is In Win. and i|fl_ signed It. To the extent pennitted by few. 3'00 waive derribnd. notioe oirronpayment. nottoe of Intention to aooetorste. notroe of eooeteratiorr. and notice of rttahovror. Gav-mine her: This Lean is governed by the raw or the state or Texas and federal Iavva as epprinrenie. The waiver of Jury Tnat and Arbitration Provision of this is governed by the Federal ittrhiu-eruen eat. 9 1.15 with Perl 0* thin Lien new-mt-nt. nor are shares by us. is Intended to permit us to impose interest nr In GI ImflU|'|tI- II "it? fit' by He causes us to reoeivs an amount in eiroess of that by ennlhehin law. we wil the eiroeaa amount as a eredtt or otherwise retu-to it and the rate or antaunt invattrerzt will automatically be redttded to the rate cit' To the by ley.r_ pupa"; uf my oompiienoe law. we may ttitarge-:5: p-rm-gfing_ and gpmayfinn' This Loan the entire agreement happen" the pug"! and in ma by gardt iron or amendment or! this Loan shalt be effeotive urttase in writing and signerassign HBIHF lhlil Lean or any of our rights hereunder. Zfou may not transfer your rights raider tt-ris agreement vrithout our prior vrrittan Waiver at' Jury Trial Arbitration Praulslorr In oonsid-er-ettort at Traelvtao Funding -Group, ya." 3 [aging -mu, pm.-I ermine tn" other tainted minim. and aunt! sitter none and vaiuabie the reoeipt and aotrnowtedged. you agree to the tonne of this Waiver of July Trial and Provision {Utrbitratten ge eat tern-r . AI'hItt'7atien in a process in ishioh persons with a dispute: [as] waive the rights to his a lawsuit and proceed in soon before a Judge er jury. and [tr] agree. instead. to submit their disputes to a neutral thind par-eon tan for deoiston_ Each party to the dispute has an to present some evidence to the arbiuator. Pro-arbitration die-oovory may be limited. prooeedinga ilflt Private and teas formal than oourt ti-leis. The arbitrator issue a final and binding decision resetting the dispute. vvt-rloh may be Emgs oourt judgment. A court randy overturns an arbitrator's TDU ABKHUHLEUGE AND AGREE AS Z?flfl Fur at this Arbibrattort Provision. the wonte 'uti'. and 'out' mean the Treehtao Elreup. LLC. Furthemrore. the words "dispr.rta' and 'disputes' are given the broadest poaeibte meaning include. without limiiaflnn {at all claims. disputes. or controversies arising from or relating directly or Ittdittectty to the signing of this arbitration Fruvieturi. the validity and snaps of this firrfattratton and any daim or attempt to set aside this A.tt:rtbation Provision: {bi ail federal or state otaima. disputes or oontroversies. arising from or relating directly or hdireotty to the Loan Application, this Loan Agrsetrrent tlnoiudlng this Arbitration Provision}. any prior agreement or agreements between you end us: to} all oounterotatma. or-ass-otairns and third-party oiaimti: id} BII tiflmtiiflfl Ithtt chime. batted upon oentraot. torL fraud. intentional torts: {at all r::leIr'na upon a violation of any state or federal oonstitution. statute or regutetton: [ft all otsims asserted by us egahst you. Inotudtng otainrs for damages to oolteot any sum we otairn you drive us: ta} all r::lel'ns asserted by you against us andtor any of our employees. agents. ot'I'roere. members. governors. directors. managers. partners. st-rerehotrtere or affiliated entities rjheretneler ootieotiveiy referred to as 'related third parties'). including otatms for money damagm equitable or injurrottve relief; {hi all otatnta assorted on your behaif by another person: it} all olaims asserted by you as a private attontey general. as a representative andfor member of a class of persons. in any other representative oapaotty. against us andtor rotated third parties thereinafter referred to as 'Representative claims'): andfor alt otaima arising ham or rotating direotty or indirectly to the dtsotoeure by us or related third parties of any non-pr.rbtio personal information about you. I Pa You ecttno-r-nudge and agree that by entering into thirs Arbitration Provision: ta} YOU ARE WAMHG YOUR RIGHT TO HAVE rli. TRIAL E't" T0 REEOLVE MW DISPUTE ALLEGED AGAINST us CIR RELATED THIRD [ht YOU ARE WAIVIHE RIGHT TD HMIIE ii. COURT. OTHER THAN A SHALL CLAIMS TRIBUNAL MW orsnure ALLEGED us on aEt.nrEo nrraa rashes: in; you see vourt merit to sEavE as it as servers art EITHER HEFREBEHTATWE RHDIDH TCI PRRTICIFATE AB AHEHEER A CLR55 OF Lswsun FILED sosursr us rurotort aeuiteo page 3 at 4 NOTICE: THIS DDGUMEHT CONTAINS MORE THAN ONE PAGE TI THFG CILA WA B50112 Borrower: NEE . CDHEUHER IHSTALLHIEHT LDAH AGREEMENT 4 Emm Loam AGREEMENT - 3 ifitli-I155 incl no any Raorasontathra Claims against us andior raiatad #$y%nfl any:-iyafian rims on an itidividual basis with you. snarronron srrni.i.. rior PRWATE Arm" 6 . 5. THE iI.itaI1'HAToit sHiIit.L nor ALLOW you to sinus as A A5 A NET EHERAL. DR iill Mil'! OTHER FDR ciTHEi~'ts in THE My pans to a rirsr:-uts. inrruriiro -Wind third parties. niay aond t-is olhar party irirrittari nrirics by mail and in good standing with on arbitratiioi1 association and arbib-sis pursuant to such arbitrator' rut 'rt-to mast" t- Etta" tfiioond in by oarliliaril rna_ii rioitrn raoaipi raqussiiod within twanty [Eli clays. If mum, you your oisp:tmu.r:i tho ihosa miss and pro-coduras do not contradict tiia isrrpi-ass torrns of bits arbitration Froyision. including that 9 ht" Dbhifl 5 Hi' the ruins and by oontaotino Iha arbitraflon organization listed - If you demand arbitration. irrsn at i will advance - the "lino. aiirririatrati-is. and my "man. an at your wit acliranca your p-oriiori of tho Arbrb-alion Faas. Throughout Iha arbitration. sash party shall or own oxfionsaa. aa and airport tans. Tho arbitrator 5|-tall apply .ap|j|ga_b|e gubgtanfiya 1aw cons not with Fscisral Arbitration FM applicable statutes at gnu shat hm" cyaims fly pm", mcugmfl? at [my its arbitration will be oonductad ir ti-to county of your rssidanoa, or within as miias from such county. or in this county in which this "Wat i-'33" oociirrod. or in such oihsr pisos as shall I.-is by the arm-star. Thfi arbitrator may mm andior raasonsbia attorneys' toss and ortponsos, Ni outfits. third Pirtlas. shall ratain this right to aaisi: in a small claims irihunni ior disputes witl-iln that troops of such irihunsrs inns-diction. Any dispuia. which cannot so tr-.9 gf 3 gn-gm] mtma tarlilgunal. aha his rssohrad by binding arblraiion. any apooal of a from a arrtaii bibunal ggigfibo t-osoiy-or:| by oinoirig Um' to Ia mariio pursuant to this tour booausa tho banoaotion by this Loan lniroiiras Intorstato comrnaroa. To tho a final non-app-aaiabio of a court having jurisdiction thla Int' that this Filiili idoas not apply to this transaction. than our sgraan-mitt to at-tyitnta chair on by this arbitration law of tho fltaia of Tsitaa. Tm' '5 t'i""3i"tl ill-W" Ffianboiiya hairs. successors and assigns. This '5 bififlifla upon and banaiits us. our sut:-oostiiors and assigns, and rotated third partiaa. This Arbitration Provision oontinuss in full torso and afiaot. at-an it your obligations hays boon paid or oisizhsr-goo througit osrtitroptr.-y. Thlfi Artyilraflori any by arnantirriani. sirpirslion, payrnoni or oat-to-n-nonoo of any transaction batwaori you and us and coniinuos in mi toroa and shoot uniasa you and two oiharwisio boron in writirig. . 'i"'oii may oitoosa to opt out oi' this ilrlsiiratiori Pro-irision but only by iollowirg tho sat iorih balow. If you do not wish to ba subjsot to this Ar-bib-siion Frouisicn. than you must notify us in writing within sixty [obi caiari-dar days of tho data of this Aoroomonl at tho following adidiltss: Funding |3rotip. B3-II-D Fioad. Suite 2441. Dallas. TX T5231. Your i-nitlon notloo must inciudo your nanio. adsiross. Account nurnbar. Iha data of this hgrsomant. and a statamani that you -rirlsh to opt out or tho iiubitraiion Pronris-ion. Your to opt out applies only to this irana-aotion uridor this riltgroarnant. WARNING: This sash is not intolidod to most Iona-tsrm iinsnoisi hoods. This loss should only ha usasl to moot lmni-scliata short-tarm oarsh hoods. Honowing tho loan ralihor than paying tho dobt in lull whan duo will roouiro this paymaht of additional ohargos. Ropoaiad or iraqtrani user can craats carious iinanclal hardships. You should airalriato Iha coats and bsnsiits oi al altornaihras bafora antsring into a loan agroorriant. Oil-isr tor-rns oi st-ion-tsnn orodit that may ba la-as airpriririnra 'rni::luda a loan from snothisr institution or from family or frlarrds. a oradit card oaoli advarioe. an with oyordraft or a satay adiranca. TO THE DD HUT HIGH THIS LDAH AGREEMENT BEFORE READ IT By signing this Loan you aoirnowiadga that It wasflliad in batora you did so and that you boys rsosiyrid a oombiaiad WW of it. You agraa iflat tho infomtation you provldocl to us prior to antatirrg into this Loan is aoourato. "I"-bu also wanani that you and not a tiabior uncior any in tranirruptoy and have no i1tonlion to lilo a tor raliaf undor any ohaptsr of ms Coda. "r'ou warrant that Iha on which lha Ethaoit is drayrn is a iagitimata. apron and "t"ou that you hows raosiirad our Privacy Policy and House. You furthar aclrnowisriga that you I'il'ii'I' road. unrinrstand, and sgrairi to all of tho on aaoh at tho pagoo of this Loan Including flil tlraiirsr of Jury Trial and Provision Ibbirl. Data By: Xmttitoi Fbrrootfiwlldor Prasidont Troaiulao Funcli Grou .LLC riotioe: rt-us oonrnins M0135 "tag 55-gig; Borrowars Slgnalura: Psgsiinrri Credit Services Organization it: 50}- Credit Services Agreement in this Credit Services Agreement {herein referred to as the 'iigreemenl']. 'You' and "your" mean the Customer signing this document. The words and 'our' mean Cottonwood Financial Texas. L-P., dibra The Cash Store. its successors and assign a. Cottonwood Financial Tex as. L.P.. dibla The Cash Store is a credit Sen-ices Cirganizstioo registered with the Secretary of State . r-lotice of Arbitration Provision: Before signing this credit s-er-irlcee tlligreement. you an ouid carefully review the Waiver of Jury Trial and hrbilralien Provision below. The Waiver of Jury Trial and Arbitration Proyiaion provide: that all claims arising from or relating to this Credit Services Agreement or any other agreement that you and we have ever entered into must be resolved by binding arbitration If the person or entity against whom a claim Ia asserted elect: to arbitrate the claim. Thus. it the person or entity against whom you assert a claim elects to arbitrate the claim, than you will not have the following important rights: You will not have a right to have a trial by jury raaolye any dispute alleged against ua andier related third parties; You will not have a right to have a court, other than a small claims tribunal, resolve any dispute alleged against us andior related third parties; and You will not have a right to serye as a representative. is in private attorney general. or in any other representative capacity. andiior participate as a rnamber of a class of claimants. In any Iarwauit filed against us or andior any related third parties. Agreement: We agree to provide credit services to you upon the lerrns set forth in this Agreement. You agree to cooperate with us regarding our senrices and to provide such information and documents as we reasonably request from time to time. You agree to notify us of an address change or any matenal change in your financial condition- You agree to furnish us such updated financial and other inlonnalion as we may reasonably request from time to ume. You understand that we are not a lender or a fiduciary but we will use our best etfons to assist you in obtaining loan from an independent, third--party lender. Treoll-lac Funding Group. LLC. {the 'Lender'}- Description and coat of Soryieec: For the C50 Fee as outlined below. we agree to use our best oflons to do the following: it} arrange a short term installment loan for you; issue a tenor of credit [the 'Letter of Credit') to secure the repayment of such teen; assist you in prepanng related inlomtetion enr.i.ior documents. No portion of the C30 Fee will he owed unless we obtain a loan for you- You understand that in order to obtain credit sari-ices from us and in order for us to issue a Letter of Credit on your behalf to secure a loan from the Lender. you must meet the following criteria: aipaseess Texas Elriirers License or goyemrnent issued photo ID: b]1Hsve a consistent and yedfiable source of income: and cjiHaws an open and acii-ire dieciririg account. For the CSD Fee as outlined below, we agree to issue the Letter of Credit in favor of the Lender that secures the repayment of your loan from the Lender. You understand that agreed, we may revolts the Letter of Credit upon three days notice to the Lender. if the Letter of Credit securing your loan is cancelled or reyol-ted. the Lender may consider your loan in default and demand that you repay the loan in full. You understand that any loan that you receive from a Lender may not be at the best available rate or terms. You understand that our fees must be disclosed by the Lender as Finance Charges for purposes of Federal Law Disclosures, however, the BSD Fee we charge you is not interest and will not be included in the Arnount Financed- You understand that if you exercise your right or cancellation under this Agreement you may not be eligible for our seryices in the future. Payma nt Terms: For the loan brokerage. Letter of Credit and other credit sen-ices we will provide to you. we will charge you a fee {with the fee for all such services being referred to as the Fee'}. The maximum CSO Fee will be and the minirnun1l35'l'.'.i Fee will be as below. For the services we provide you in helping you to obtain a loan from the Lender. you agree to pay us an initial installment of the CED Fee Bill-mi to which amount is part of the total GED Fee. This portion of the CS0 Fee will be paid directly by the Lender to us from a portion of the proceeds of your loan. it any. it you obtain a loan from the Lender. we will issue a Letter of Gredit that will secure your payment obligations to the Lender. The Letter of Credit will bear on initial expiration date of twenty [20] days after the loan origination date. As long as the loan is outstanding to the Lender. you will ensure that the Letter of Credit does not expire by rendering payment to us pursuant to the schedule below. Upon receipt of each of your payments. we will amend the Letter of Credit and extend the expiration date an additional fourteen days. If you do not repay the loan in full prior to the expiration date of the Letter of Credit, you will be in defauil under the towns of the Lenders loan agreement. Subsequent installments of the CS0 Fee associated with our credit serylces will be due and payable according the folio-wirig Fee Payrrient Schedule. with such payrna nt dates coinciding with your loan payment dates- C513 Fee Payment Schedule Date Scheduled Fee Payment amount Scheduled Fee Payment Amount 11r1r2i.'.I12 5225.-Eitl 1 .l.'lti 'l S225.iIil2i| ENED1 3 sflim 1 ordain: simian side 12!? 2 3iT"f2iJ'l 3 $0.00 Page 1 of 5 NOTICE: THIS DDGUMENT CONTAINS iluifll-FEE THAN ONE PAGE TX CSA BIA 05131 12 Agra-emertt Number: riae-ameoro If you prepay In part the amount advanced to you by the Lender under the tonne of the loan agtaarn-ant. the amount of the echaduled GEE ee inertellrnent will not be reduced for each eubaequent payment. if you prepay In full the amount due under that '05" you will not be obligated to pay ueeddttienatlnetallrnenla ettha GED Fee. butyouwttl not be entitled toe refund ofenyportion otthe GED Fee that you paid beforetha data ofyourprepayment. You underetend that the Lender requires that you maintain a Letter of Credit the loan at all times during which your loan has an outatending balance. If the Letter of ttredtt securing the loan to cancelled. orbecomea Impaired In any way. the Lender will consider your loan in default and the fol outstanding balance of unp.alt:l pith-ctpal. htareet and will become clue and payabte wtthout It.trthar' demand t.'lt" Loan Repayment: 'trou agree to repay the Lender principal in the amount of whi:h includes the portion of the (350 Fee that to due and payable on the date of the loan. ptue Interest at a rate of 9.15% annuathy. The loan will be repayabte In ten {to} apptoxtrriately equal payments of internal and principef. Payment rltuat be paid by cash, oaahtefa checl-t. or money order at our otticea or at auch other place as the Lender may di'e-ct in writing. Refund of CED Fee: we agree to refund to you Ute tnitlel installment of the CS0 Fee paid on the loan date ta] if you cancel this Agreement the permitted hereby or lb} reecincl your loan agreement with the Lender ee porn-titted under the tam-at of that loan agreement and return all prooeede of the loan to the Lender. Letter of titre-dlt: he an applicant for our you request that we taaua a Letter of Credit on your behalf for the benefit of the Lender to enhance your ability to ecolrire a at1orl'. temt loan. The Letter of wilt expire Ht ttaye from the data of the loan. The amount of the Letter of credit ia not to exceed the pttnotpat of the feet. which includes the amount of the initial Installment of the GED Fee that to rolled into the loan amount. plus any interest andtor fees that may be charged by the Lender. We agree to amend the Letter of Credit and eirterid the ettpiratton date an additional tourte-an days upon receipt Font you of payment to the amount of the CED Fee in-atellmenta deecribed above. It you do not repay the Lender ea described In the Payment Terms of thin Aofeentent or it the Letter ofC-reoit oeouring the loan becomes impaired and the Lender deenta the loan to be in under the tonne of the loan agreement. than the Lender will demand that we honor the Letter of Credit and pay to the Lender the total amount due to them. we will notify you of tl1ie payment and you will then be obligated to us for that payment are deecrlbed be ow. 'four to Helmburee Ue: 'rou hereby agree to pay ua any amounte paid by us to the Lender on your behalf ea of the Letter of we Issue for you. You agree to rein-iburoe the amount to us to cash, cheat: or money order. You elco aoree to pay us a retumed item fee eedror collection ac deeortbed below. Return Item Fee and Collection Eatpenaea: 'roe agree to pay us a retumed item tea or a cheat: or AGH authorization you give to ma ie returned to Lie unpaid. "foo agree to pay oer reaeoneble ettomeya' faea any court caste Incurred if trite is referred to an atlomey {not a ealeried ernptoyae of oure'_l for collection. Page 2 of NOTICE: rt-tie cocuuaur CCIHTAINS Wilder. Forrest 5 _ngresment blumber: Credo Enrvloflv enrolment it-'-iontinvodl Time Limit for Eornpletlon of Era-dlt Senrleaa. We agree to perionn the credit services listed in this itgreernent tlrne period not to exceed olyour loan but in no event later than too days from the date Agreement, usury Having: Provision: To the extent as court or arbitrator of competent re-characterizes all or any portion of the G50 Fae as interest or otherwise detemvnee that you have been charged interest in excess of ttltit per ennum tor the purpose of eppliceble consumer loan or usury laws. then you will have no obligation to pay and we will not recover or saalt to recover tl1e CED Fee. or any other portion of your loan that has been re-characterized as usurious. Governing Levr: This Agreement ls governed by the law of the State of Torres and federal tavirs as applicable. The arbitration provision of this document is governed by the Federal Arblbatbn Act. El iiectlone 1-16 ifliuthortaation to Contact "r"ou authorize us to cell you at any number you provide or at any number at which we reasonably believe we can contact you. Including calls to mobile. ool ular. or similar devices for any tavrful pr.irp-use including our use of an outontatlc dialing telephone system or prerecorded voice. You also agree to any facts] or that you may incur for incoming cells from us, outgoing calls to us. to or from any such number. without reinbursenlent from us. Additionally, unless you opt out. you agree to receive messages about payment dates. collection rnatiers. and other important lnfomtation from us via at slits test l't'lB:EBflgEl'. to your mobile phone and b] electronic melt. To the extent pen'rltt'lad by levr. it any provision of this Agreement is invalid or unenforceable. such offending provision. to me t11fl)tIl'IILIl'lt eittent permitted by law. shall be reforrned if pr-scticable so as to achieve its attended purposes and shall not efiect remaining provisions efthis Agreernent. Principal Place of Business and Registered Agerit: Fri I Fl Etu lT.$ottonuirood Financial Texas. L.F. dibra The Cash Stone CT Commotion System 19431 Gatevray Drive. Suite 350 North St. Paul Bbeet. Suite 2900 Irving. Texas rsoss Dallas. Tetrae 'i52lJ1 Waiver at' Jury Trial and Arbitration Provisiontln consideration of Cottonwood Financial Te ltaa. LP.. di'bi'o The Cash Store. providing you credit oervtoee. assisting you vitth your loan application and providing you otl'ier' rotated services. and such other good and valuable consideration the receipt and sutliciency or uvhiclr are hereby acltnolivtedged. you some to the terms or this littaiver of Jury Trial and Arbitration Frovtsiort {"Arbtb'atton Provision') as set forth below. Arbitration Is to liroeecc in which persons with a dispute: is] vraive their rights to tile a lawsuit and proceed in court before a Judge or jury, and agree. instead. to their disputes to a neutrai third person (an for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Fire-arbitration dlscovra-y may be limited. Arbitration proceedings are private and less formal than oourt trials. The arbitrator vril issue a final and binding decision resolving the dispute. vrhlech may be entorood as a court judgment. A coon rarely overtume on e-bitretors decision. THEREFORE. vou one sense as l=oLLows: 3, _Eg_g_1j_g_g fl For purposes of title Arbitration Provision. the vlrords 'd-'lspute' and 'dispr.rtes' are given the broadest possible meaning and include. limilaflon [all all cialms. disputes. or controversies arising from or relating directly or to the signing or this Provision. the validity and scope or this Arbitration Provision and any claim or attempt to set aside this nrbm-soon Provision: lb} all federal or state law cialrns. disputes or controversies. arising from or relating directly or indirectly to the Loan Application. this Agreement {including this Arbitration Provtsioni. motor unit lrrior of comments Home rev and us: lot it crosectairne and third-party clabns: id} all oomrnen Ievr claims, based upon contract. tort. li'aur:l. or other Intentional torts:_ tell all_ claims based upon a violation of any state or tederal ci:lnai'lutioI't. statute or reputation: {fl all claims asserted by us against you. including claims for monott damages to any sum we claim you owe us; all claims asserted by you against us endlor any of our employees. agents. otlicers. members. govemore. directors. rnaragars. r:-arrnr-rs. shareholders or affllatrrd entities collar-flvelv referred to as 'stairs third parties'). including claims for money damages onrlior equitable or injunctive relief: [hi all on row hobo" I-'of person; all claims asserted by you as a private attorney general, as a representative number of a class of persons. anrltor in lint! rgpragantaflyfi oapooity, ageing! no endior related third parties {tterelnatter refeneo to as "Representative Claims'): ondtor {ii 3" arising trom or retadng directly or indirectly to the disclosure by us or related u-iird parties or any non--|Iublic personal Intorrnattofl 8130"' P395 3 a Tr-its oocuroertr CONTAINS itrorrtxe :1;-gnhg mg mm Borrower: Wilder'. Forrest? Agreornerl Number: 153-2flrliS31TJ Credit Seryioaa Agreement {Oontinued} You aolrnowtedge and agree ti1at by entering into this Arbitration Proirieion: to] YOU ARE VOUR RIEIHT HAVE ATRIAL ET T-O RESOLVE DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTTES: ARE WAIVING RIGHT TO HAVE A COURT. D11-IER THAN A SHALL CLAIMS TRIBU HAL. RESOLVE DISFLITE ALLEGED AGAINST US OR RELATED THIRII PARTIES: and to} "l"Ot.t ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE. AS A PRIVATE ATTORNEY SE NERAL, OR IN OTHER REPRESENTATIVE CAPAOITT, TO PARTICIPATE AS A AIEIJIB-ER OF A CLASS OF IN ANT LAWSUH FILED AGAINST US RELATED THIRD PARTIES. . Erroapt ea provided in Earagrj below. all oflmutea lnotuding any Representative Olaimo againal ua andror related third parties shall be reeolyed by binding on an irrdiytduai beats with you. THEREFORE. THE ARBITRATOR SHALL NOT CONDUCT OLASS ARSITRATTOH: THAT IS. THE AREITRATCIR SHALL NOT ALLOW rou TO SERVE AS A REPRESENTATIVE. AS A PRIVATE ATTORNEY OEHERAL. OR till Alirr OTHER REPRESENTATIVE FDR OTHERS In THE ARBITRATION. Any party to a diepute. inoiuding related third pertiea. may send the other party written notice by oertitiad mail retum reoelpt requested at their intent to arbibete and netting forth the subject of the dispute along with the relief otran it a lawsuit has been filed. Regardless of who demanda arbitration, you ehatl have the right to aeloot any or the following arbitration organizations to administer the arbitration: the American Arbitration Aseootetion t1.aoo-rra-rare} or .tAhtStEndIapute the parties may egrea to Select a too-at arbibator who to an altomey. retired judge, or arbib-ator registered and In good standing with an arbitreoon and arbitrate pursuant to auoh arbitrators rules. 1'ha party reoeh.-lng notice of arbitration will In writing by oer-tilted mail return receipt requested within twenty I,'2lIi} daya. If you demand arbitration. you muat Inform ea in your demand of the arbitration organization you have soiooted or whether you desire to aateot a local arbitrator. if related third portion or we demand arbitration. you must notify be within twenty days In writing by certified ntatl retl.rrn reoeipt requested at your decision to aelaet an arbitration organiaation or your desire to aeleot a local arbibaior. If you fail to notify us, than we have the right to eat-act an arbibation organization. The portion to such will be goueerrterd by the rules and procedures of linen arbitration organization applicable to oonaurner disputes, in the orrtent those rules and do not oontradtol tI1a express tonne of this Arbitration Proyieion. tnoluding the limitations on the arbitrator below. 'r'ou may obtain a copy or the rules and praoeduree by contacting the arbitration organization lialed above. . It you demand arbitration. than at your request we will advance your portion of the errpenaea aasooiated with the arbitration. the tiling. admlnIatl'attye. heanng and arbitrator's fees ['Arb-'tretion lfratatad third partiea or we demand arbib-atlon, than at your written raqueat we will advance your portion of the Arbitration Fees. Throughout the arbitration, each party ahall bear hia or her own attomeys' fees and exp-ansea. auoh as witness and airport witneaa fees. The arbitrator ahall apply apptloabla aubatantiya law consistent with the Federal Arbitration Act eppiioabie SISIUISS of limitation. and ahall honor otainta of privilege raoogniaed at law. The hearing will be conducted in the county of your neaidenoe. or within 30 miles from noon county. or In the oounty In wttioh the transaction under thia Agreement or in ouoh other place ea ahati be orl:Iared by tile arbitrator. The arbitrator may decide with or without any hearing, any motion or request that ia aubstantialty similar to a motion to dismiss for failure to atato otetrn or a motion for surnrnary judgrnent. At the timeiy request or any party. the arbitrator shall proyim a written errpianation for tho award. The arbitrator's award may be flied with any court haying juriadlotion. Ifallowed by statute or applicable law. the arbitrator may award any party atatutory damages andror reaaonabia attomeya' fuse and errpenaes. All parties. including related third parties. Shell retain the right to aeeir adilrdioabon in a entail t'Jaima tribunal for disputea within the scope at noon tribunafa jurladiotion. Any dispute. whiott cannot be adjudicated within the iuriadiotion of a email tribunal. be resrotyed by binding arbitration. Any appeal of a from a email otaime be reeoly-ad by binding arbitration. Our agreement to arbitrate is made pursuant to the FAA tt1-e ltranaaotton eyldenoad by this Agreement inyolyea oemrnoroe. To the ardent a final non-appaatabfe judgment of a court oyer this transaction finds. for any reason. that the FAA do-Ia not apply to title tranaaotlen. than our agreement to arbitrate shall be gonrernad bytha arbitration law of the State of Terran. Thia Arbitration Froytaion la binding upon and benefits you. your reapeetiye heira. and assigns. Thia Arbitration Provision to bitdin-g open and benefits ea. our and assigns, and related third parties. Thia Arbitration Prnriaion continues: in fi.rl| force and effect, etran it your obllgationa have been paid or discharged through bankruptcy. Thia Arbiu-ation Proytaion aunriyea any oanoatlalion by termination. errpiration. payment or pertormranrre of any tranaaelion between you and us and continues in full force and effect unless you and we othoryrriae agree In writing. .Tw may ohootle to opt out of thitl Arbibation Protrieion only by following the process set below- It you do not wish to be subject to title Arbitration Proyiaion. th-an you meet notify us in writing within oelandar days of the date of this Agreement at the following taut Gateway Drive. Suite eon. lnriog. Tit rodeo Attn: Oomplianoe. Your written notice rnuat include your name. address. number, the date of this Agreement, and a statement that you lwiah to opt out of the Arbitration Proyiaicn. 'four decision to opt out applies only to the trenaeotion under thia Agreement. Page of NOTICE: THIS CONTAINS - - -_jLn 5 5 -:50 credit 5-wk:-s Agmmant my You acknowledge cf I cum' cf (11: ccparitc - but-arc ancutina or paying any fun cr Ihll with all necessary cpccu and turn cl' and all that run have ruquutnd tc clan. 'fcu that ycu hm-I'! raid and that you all at the shunt "I"cu flint you have read and Wlivir cf Jury Trlal and Financial Tcxac. L.P.. dicta The Cash Stare Bw Customer': Signature: Dale cAHccI.LA11cu notice: vcu. THE BUYER. 1-ms AT Arnr TIHE acrcac nucmcn-n m= THE 11-ncc cm' AFTER DF me mnusacnm. ma Armcucc cs cAHccLumcm rcnu Fun AN EIPLANAHOH or THE RIGHT. NOTICE: THIS DOCUMENT CONTAINS MUFEE THAN ONE P-W3 Eflffi 396 TX USA lnalil DM 05131' Cueiomerhlame: Wilder. Forre5t5 C50 Agrcemenihlumoer: F153-2BtiEl3'lD Notice of Cancellation "I"ou may cancel the ilredit Sarvicea Ag reement without penalty or obligation. within three days after the date the Credit Services: Agreement la eig ned. if you cancel the Credit Services Agreement. any payment made by you under this contract will be returned within 10 daya after the date of receipt by The Cash Store of your cancellation notice. To cancel. mall or deliver a aigned dated copy of this cancellation notice. or other written notice. to this address: The re - #?153 2'l'93 ?1 Austin, TIE TBTIIZ to be received not later than midnight of the third day following the date the Credit Services Agreement was aigned. I hereby cancel thla contract. Cuatorner Name: Social Security: Customer Signa_tu re Date -- W||fiEg'| Funtest S. Tl Notice of Cancellation You may cancel the firedit Service: Agreement without penalty or obligation. within three days after the date the Credit Services Agreement is signed. it you cancel the Credit Services Agreement. any payment made by you under this contract will be returned within 1D daya after the date of receipt by The Cash Store of your cancellation notice. To cancel, mail or deliver a aignecl dated copy of this cancellation notice. or other written notice. to this ad dress: The Bag]; ?_t_gre - M153 2793 51. Austin, TX to he received not later than midnight of the third day following the date the credit Services Agreement was aig nod. I hereby cancel this contract. Euatcmer hlame: Social Security: Customer Signature Date Page 6 of 5 NOTICE: THIS DOCUMENT GDNTAINE MCIRE THAN GNE PRGE c-Sa Install eta 0501 -.3 Credit Services orscl.osua.c STATEMENT - cescrr "Hr: and n'I-nan Cflfilefltfii alanine 'file end their respective heirs. pereonel successors and assigns. and yours mean Financtat Texas. L.F.. Titfl Cash Store, successors and assigns, and any ether nf Purpose: Chapter 393 of the Texas Finance Code. which regulates Credit Services Urgeitizatierts. requires a customer to receive a disclosure statement before executing a contract for credit services or paying any fee or other consideration. cottonwood Financial Texas. diwa Th" 555" 51"" '5 9 Ema" registered with its Becretary of State ct' Texas under Chapter 393 oi the Texas Firlance Cede. Elescniption and Cost oi Senrlces: ii I enter Into a contract with you for credit services. I understand that for CSC Fee. as funher described WU. 1115 CED. will use ycur best eficrte to do the following: it} arrange a chart term loan for me at a rate not to exceed tear. per 3 ill fifil'-'-I-II'! lit! l'Ht1EtFI'nent of such loan: assist me in preparing related inienrlaiton andior documents; and I41 "Til hieleiy under me tenrs cf the lean I receive. it any. in a consumer reporting agency in order to help me demonstrate my fiscal rear-c-nsibiinn The minimum Use Fae -Mu be _a.1cc.m_ . and will be paid can a p-urtierl at my loan proceeds. it any. I agree to pay you up to nine additional CED Fee installments of every two weetts In exchange for you extending the expiration date of my letter of credit tor an additional two weeks with each payment- Therefore the mexintcm CSO Fee will be . No fee will he owed unless I obtain a loan. I understand that in ordarfora lettaroicreditto beissued on my behalf and icryoute In securing a loan train a third party finance company. I must meet the following rninirnum criteria: ill I 3 "Bill? Texan Drivers License cr gcvemment issued photo at I nvust have a consistent and valifiatrie source of Income: c] I must have an open and active account d} I must live within miles at your location and there must be a branch of my bani: within so miles or your location. I understand that It I do not pay the CSCI Fee as agreed ycu may revclre the Letter at Credit upon three days notice to the lender. It the Letter ct Credit securing my loan is cancelled or ruvcited. the lender may consider my teen in default and demand that I repay the loan In full. I Understand that as the CS0 and as set torth above. one of your primary services will he to use your best efforts to obtain a loan for me. 'v'o~u will not matte me a loan. I AGREE THAT ARE NOT A LENDER DR FIDUCIARY. I UNDERSTAND SERVICES DR LOAN I RECEIVE MAY NOT BE AT THE BEST HATE CH TERMS. THAT I iviA"t" LUCK ELEEWHEFIE. I AM CBLIGATED TD ACCEPT A LOAN IF I CC HCIT ACCEPT A LOAN PFICICIJHE. I WILL NCT CIWE vcu Ai~l'r' Right to lrlalte a Claim against your Surety Bond: Cottonwood Financial Texas, L.P. has filed a surety trend with the Texas Secretary of State. required by Chapter 393 cf the Texas Finance Code. I understand that I may matte a claim against the surety hand it' Eggs!-inlets any section at Chapter 353. The surety company is: Surety and Insurance Services. Box in-te. lull. 'demon. IL Ah-out Consume-r Reporting Agencies and My flights: I understand that I have certain rights under the Fair Credit Reporting Act (15 U.E.C.ilt. 5 16-31 et seq.) and Chapter Elli cf the Texas Business Coda: 1- lcen find out what is in my tits. At my request. a agency must give me the tnfomtaflon In my file. and a list of -everyene who has recently requested II. There Is no charge tor the report It a parent has taken action against me because of information supplied by the ccnsurner agency. if I request the report withh fil.'I days of receiving notice oi' the action. I am also entitled to one free report every twelve months upon request it' I certify that I are unemployed and plan to seal: within Bill days. [21 I am on welfare. or my report is inaccurate due to fraud. Dihervrise. a consumer reporting agency may charge me up to eight dollars for the report. 2. I can dispute inaccurate i aid: the consumer agency. It' I tell a consumer reporting agency that my tile contains inaccumte lnicn-nation. the consumer reporting agency must investigate the items (usually within days} by presenting to its source all relevant evidence I submit. unless my dispute is frivolous. The source review rrly evidence and report its findings to the consumer reporting agency. [The source also must advise national consumer reporting agencies. to which it has provided the data. at any arrer.] The consumer reporting agency must give me a written report of the Investigation and a copy of my report if the investigation results in any change. It the consumer reporting agency's investigation does not receive the dispute. I may add a brief statement to my file. The consumer reporting agency must Include a summary cl statement in future reports. If an item is deleted or a dispute statement is tiled. I may sets that anyone who has recently received my report be notified of the change. 3. i .'i"ILlSi' DE Elli" d'-Elflfid. Fl E9-BTICY i'l'lI.flt i'Ei'i'tC'Il'E Eli' intonneticn its files. usually within Ell! days alter I dispute H. However. I:he consumer reporting agency is not required to remove accurate data from my file unless it is outdated [as described below} or cannot be verified. If my dispute results in any change to my report. the consumer recoding agency cannct retnsert Into my tits .a disputed item unless the lniomtaflcn source verifies its accuracy and completeness. In addition. the consumer reporlng agency must give me a written notice telling me It has reinserted the item. The notice must include the name. address and phone nun1her of the infomlsiion source. -I. Cuticle-tact lnici'ma.Illon may not he reported. In most cases. a ccnsurrler repcrting agency may report rlegative that is more than seven years old: ten years for banltructcles. Nonprofit Credit Counseling: iunderstend that I may consider ether ways to cl:tal5n credit services. There are. tier example. nonprofit credit counseling services available to consumers. For more inicmtadcn. I could call the Critics of Consumer Cretit Cernntiesicner Ccnatlmer Helpline at or visit their website at get a list of Credit Counseling Agencies in Texas. I cartiiy that I have read and that I understand the above disclosure statement. Signature Date Forrem Wilder