TINSTALLMENT AND DISCLOSUFT STATEMENT M: NAME pyip or BORROWER Lollii NUMBER AMERICASH LOANS nus or THIS NOTE LENDER AMERlcAsi-i LOANS OF LL Mo sell 15 as/25/2003 422 am 51 st Louis, Mo aainz SOCIAL SECURITY l=ri cll4)a2i--ia5u - Fax FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT c"Afl5E AMOUNT FINANCED TOTAL OF PAYMENTS PERGENVAGE RATE anloum oi weal! prmildud |o Th! will haw Pild Themsleiyollruodliaulyuafly Theuoilirameum me:redilw1l|cns1 rale you. nssmedulud $1,737.32 240.00 $737.32 payrnenl seiiedule will oe 25 payrnenls oi sad in due every 7 days ing an oalzmaua PREPAVMENT: vou may pay your loan early any prepayrnenl penalry nie amounl due on preoayrneni will vary depending upen me unpaid principal oalanoe ai (he lime oi prepayment see inia conlracl for more including lniorrnairon ririnpaymenr, delaull, any required repeyrnenl rn lull oelore the scheduled dlle dale, prapeymenl relunds and penalties. You nave (he igniie ei ini. Illvn an llamlzallall MIMI _i now I no nor w.i.i.n citric INSTALLMENT NOTE FOR VALUE RECEIVED, rne undersigned ('Bormwel') premises in pay in lire order nmiioricnan Lauri: C, al 422 si.. si Louis, lvlo 63102. or ai sucn ollier piece as ArrI:vlCa.lh Leenro/Mieirnyri, LLC. may designate llie principal surn oi one lnousand dollars and nolionllis (51,000 on) plus lrl|elesK payaoie in rweniy-six (Z6) insielimeniu or sixry six dollars and B2/moths e2) eaon iineluding pnneipal and inieiesi), beginning oemlanue, wilii inlereai ai ii rele oi 24o.on 54 per annum payaole on llie principal oalanee remaining inim lime la lune unpaid All received on lnis Nola shall ee applied firs! lo irie paynienr el aeerued in me dale irie payinenl is made and any airiounl remaining aller applicallorl ro lnleresl eliall he applied in me redlldiorl ol unpaid principal lnieiesi ailer maluriiy. wrieiner oy raiion oi delaull. or niherwisai snail pe due and paid in are rare oi 240.00 per annum uniil all Dlincipal is paid. lnleresl on lnis Nole will be computed based upon a 365 day year ior lrie aciual nurnoer ol days elapsed. Any paynienl in excess lnei may ecour at << acwptance, or eniorcaimeni oi lnis Mole The valldiry and eniorcemenl oi Nule snail lie governed oy tn: laws dline siaia uf Mi5suuli_ wilripui regard in me oi oi laws. aorrnwei acknowledges or duplicele oi inis irislrumenl oelpre consummation 01 me loan and agrees man i aoove disclosure is ineorporaled nerein oy reierenoe. IE8 L6 2 BORROWER -v ORIGINAL NOTICE: 555 OTHER yak ADDITIONAL AND CONDITIONS TERMS AND CONDITIONS i Arbitration Disclosure. . you agree that if a dispute of any kind arises out of this Agreement or your application therefore or any instrument relating thereto, then signing is Agreement, either you or we or third-parties involved can choose to have that dispute resolved by binding arbitration as set forth in Paragraph 2 below. lfarbitration is chosen, it will be conducted with the American Arbitration Association (the pursuant to the Commercial Arbitration Rules. If you have any uestions concerning the or if you wish to obtain a copy of the Commercial Arbitration Rules, you may call (800) 891-4741 or visit on the orld Vl.fide.Web. Arbitration Provision. Any claim, dispute', or controvers (whether in contract, tort, or otherwise, whether pre--existing, or future, and including statutory, common law, l_nternatio_n__al tort, and equitable claims) arising from or relatin to this Agreement or application for this transaction or advertisements, promotions, or oral or written statements relating to this Agreement or the relationships which results from this Agreement (including, to the full extent permitted by applicable law, relationships with third-parties wtioi-are not signatories to this Agreement or this Arbitration Provision) or the validity, enforceability, or scope of_ this Arbitration or_ the entire Agreement (collectively shall be resolved, on the election of you or us or said third-parties, by binding arbitration pursuant to this Arbitration Pl'0V_iSl0n and the Commercial Arbitration Rules in effect at tfie time the Claim is filed. A party who has asserted a claim in a lawsuit in court may elect arbitration with respect to any clai_m(s) subsequently asserted in that lawsuit by any other party or e1arties.The Commercial Arbitrati_on Rules may beobtained calling the phone number or visiting the web site identified in Paragraph 1 above; provided, however, at if for any reason the is unable or unwilling or ceases to serve as arbitration administrator,' an equivalent national arbitration organization utilizing a similar code of procedure will be substituted by us. There shall be no authority for any claims to be arbitrated on a class- action basis. Further, an arbitration can only decide our or your Claim and may not consolidate or join the claims of other. persons who may have similar claims. Any participatory arbitration hearing that you attend will take place in the federal judicial of your residence. At your written request," we will advance the first $50 of the filing and hearing fees for any Claim which you may file against us. The arbitrator will decide whether we or you will ultimately be responsible for paying an fees in connection with the arbitration. Unless inconsistent with applicable _iaw, each party shall bear the eiitpense of their respective attorney's, experts' and witness fees, regardless of which party prevails in the arbitration. This arbitration agreement_is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act 9 Sections The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized by law. Judgment _on the award rendered_ by the bitration Provision shall survive satisfaction of our contractual ob arbitrator may be entered in any court having jurisdiction. This Ar . invalid or unenforceable under the FAA, it ould not invalidate the remaining portions of this. Agreement. if any portion of this Arbitration Provision is deeme Arbitration Provision. Customer's Regresentatlons and Warranties. By signing this greement, you ere represent and warrant, and acknowledge our reliance thereon, that all information contained in your credit application and contained in this A reement is true and correct. You further represent and warrant that you are not a debtor under any proceeding in pankruptcy, insolvency, or reorganization and t_ at you have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code on or before he Payment Due Date. 'Authorization to Verify information. . I By signing this Agreement, you hereby authorize us and our agents to verify the information contained in your credit apglication or contained in this A _reenient through any source, including our accessing your bank account inforrna_tion to venfy whether funds are available to pay your heck, our obtaining your care it report, and our obtaining your check-writing history from any consumer information database. Dlshonored Check Fee. if, for any reason,' your bank dishonors your Check and it is retumed to us unpaid, you agree to pay us a dishonored check fee in amount equal to $25.00. lam not currently a party to a bankruptcy action, I have not filed nor had filed on or have filed on my behalf a bankruptcy action with the next 90 days. DISCLOSURE STATEMENT DISCLOSURE STATEMENT is attached to, made a part of. and dated the same date as, that certain rinted installment Note and Disclosure Statement Number 1584 _dated 03/25/2008 ("Loan Agreement") by and between Ameri'Cash Loans ofMi'ssouri', L.L.C. ("l,ende and NAYA. BURKS The provisions of this Disclosure Statement are to be read consistentl with the Loan A reernent; provided, however, that in the event of any inconsistencies between the Loan Agreement and this Disclosure Statement, this Disclosure atement shall con, rol. If your pay date falls on a Saturday, your pa ment will be deducted on the Friday before that pay date_. if your pay _date falls on_a Sunday, your payment will be deducted on the fol owing Monday. if your pay date fa is on a holiday your paymentwill be deducted on the business day pnor to the holiday. clearing Amerr'Ca.s'h Loans of Missouri, L.L. C. account. You will be responsible for any debits that do not clear as well as the B'arikrugtcy. _my behalf a bankruptcy action within the past 90 days, and I do not currently plan to file Account balance pending electronic debit dishonored check fee for each debit. have read, understand and agree to the terms and conditions of this Disclosure Statement. PRIVACY POLICY DISCLOSURE Regarding non-public personal information of customers of Americash Loans of Missouri, L.L.C. EFFECTIVE JANUARY 1 2004 Bus Disclolsucre covers all personally identifiable information about present or past customers regarding their present or past relationship with Am.eriCas_h Loon: of .i'ssouri, L. . .. Policy re arding providing non-public information about you or yourtransactlons to outside marketers i Ameri'Cas Loans 0 Missouri, L.L.C. does not provide personal information about you or your transactions to outside companies for the purpose of their marketing services or goods 0 you. 1 Policy re arding providing information about ou or your transactions to affiliated conriyaanles AmeriCas Loans a Missouri, L.L. C. may share in ormation about your trans_actions_with its a iliated companies, including information you rovided on your application, verification of su_c information, or an assessment of your transactions with individuals or companies listed in your application. lnforma 'on may also be provided to consumer reporting agencies such as TeleTrack andlor Telecheck and/or their respective subscribers. - Policy re arding providing information about you or your transactions to unaffiliated third parties . Americas Loans qg' Missouri, L.L.C. shares non-public in orrnation on your current or past transactions with consumer re orting agencies, including but not limited to TeleTrack and/or of any debt owed us and/or to protect our contractual or other rights. Americas}: Loans of Missouri, L.L. C. also may share your non-public, persona information to the extent you have expressly consented to the same in writing. other situations where disclosure of our non-public information ma be required Amerr'Ca.rh Loans of Missouri, LLC. may required to share your non<