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Washington

DEFERRED DEPOSIT LOAN FEE SCHEDULE

The following table illustrates the APR* applicable for typical Payday Loans available to residents of Washington

Amount Financed
(Amount Provided)

Finance Charge
(Fee)

Total of Payments
(Amount)

APR*

Loan Term

Loan Term

Loan Term

7 days

14 days

30 days

$100.00

$15.00

$115.00

782.14%

391.07%

182.50%

$200.00

$30.00

$230.00

782.14%

391.07%

182.50%

$300.00

$45.00

$345.00

782.14%

391.07%

182.50%

$400.00

$60.00

$460.00

782.14%

391.07%

182.50%

$500.00

$75.00

$575.00

782.14%

391.07%

182.50%

$600.00

$85.00

$685.00

738.69%

369.35%

172.36%

$700.00

$95.00

$795.00

707.65%

353.83%

165.12%

*ANNUAL PERCENTAGE RATE: The APR is the cost of your loan expressed as a yearly rate. The APR is based on example loan terms of one payment (“Total of Payments”) due in 7, 14 and 30 days. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.

Returned Payment Charge: If your payment is returned to us unpaid for any reason, you will be charged a one-time returned payment charge of $25.

IMPORTANT INFORMATION ABOUT YOUR LOAN

WASHINGTON CUSTOMERS

YOUR RIGHT TO AN INSTALLMENT PLAN WHEN YOU ARE UNABLE TO PAY YOUR SMALL LOAN WHEN IT IS DUE. IF YOU WILL BE OR ARE UNABLE TO PAY YOUR LOAN WHEN IT IS DUE, YOU MAY CONVERT YOUR LOAN TO AN INSTALLMENT PLAN WITH US BY NOTIFYING US ON OR BEFORE THE LOAN’S DUE DATE. IF YOUR LOAN AMOUNT IS FOUR HUNDRED DOLLARS OR LESS, YOU MAY ENTER INTO AN INSTALLMENT PLAN THAT ALLOWS YOU TO PAY OFF YOUR LOAN IN SUBSTANTIALLY EQUAL PAYMENTS OVER NINETY DAYS. IF YOUR LOAN AMOUNT IS MORE THAN FOUR HUNDRED DOLLARS, YOU MAY ENTER INTO AN INSTALLMENT PLAN THAT ALLOWS YOU TO PAY OFF YOUR LOAN IN SUBSTANTIALLY EQUAL PAYMENTS OVER ONE HUNDRED EIGHTY DAYS. AN INSTALLMENT PLAN WILL ALLOW YOU TO PAY ALL THAT YOU OWE WITHOUT HAVING TO PAY ANY ADDITIONAL FEES, INTEREST CHARGES OR OTHER CHARGE FOR CONVERTING YOUR SMALL LOAN INTO AN INSTALLMENT PLAN. IF YOU WOULD LIKE TO REQUEST AN INSTALLMENT PLAN, WE MUST RECEIVE YOUR REQUEST ON OR BEFORE THE LOAN DUE DATE OR EXTENDED DUE DATE (WHICHEVER IS LATER), AND YOU MUST EXECUTE THE INSTALLMENT PLAN AGREEMENT AT OUR LOCATION ON OR BEFORE THE BUSINESS DAY IMMEDIATELY FOLLOWING THE DAY OF THE REQUEST.

YOUR RIGHT TO RESCIND (CANCEL) THIS LOAN. YOU HAVE THE RIGHT TO RESCIND THIS LOAN BY RETURNING THE AMOUNT OF THE LOAN IN CASH, OR RETURNING THE CHECK GIVEN TO YOU BY US TO OUR OFFICE BY THE CLOSE OF BUSINESS ON OUR NEXT BUSINESS DAY FOLLOWING THE DATE OF THIS LOAN. WE MAY NOT CHARGE YOU FOR CANCELING THE LOAN AND WE WILL RETURN TO YOU, OR AT YOUR REQUEST DESTROY ANY POSTDATED CHECK OR ELECTRONIC EQUIVALENT AUTHORIZATION YOU HAVE GIVEN TO US. IF THE ACH OR OTHER ELECTRONIC EQUIVALENT AUTHORIZATION CANNOT BE DESTROYED IT BECOMES VOID IF YOU CANCEL THE LOAN.

AT THE TIME YOU REPAY THIS LOAN, YOU SHOULD HAVE SUFFICIENT FUNDS TO MEET YOUR OTHER FINANCIAL OBLIGATIONS. IF YOU CANNOT PAY OTHER BILLS BECAUSE YOU ARE PAYING OFF THIS DEBT, YOU SHOULD GO INTO THE INSTALLMENT PLAN OFFERED IN CONNECTION WITH THIS LOAN.

 

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