Cash Advance Amount (Amount Financed)	Cash Advance Fee (Finance Charge)	Total of Advance Transactions (Total of Payments)	Term of Cash Advance	Annual Percentage Rate (A.P.R.)
1	2	3	4	5
$100.00	$25.00	$125.00	Due on your nearest payday (maximum of 15 days)	See Chart
$200.00	$50.00	$250.00	Due on your nearest payday (maximum of 15 days)	See Chart
$300.00	$75.00	$375.00	Due on your nearest payday (maximum of 15 days)	See Chart
$400.00	$100.00	$500.00	Due on your nearest payday (maximum of 15 days)	See Chart
$500.00	$125.00	$625.00	Due on your nearest payday (maximum of 15 days)	See Chart
$600.00	$150.00	$750.00	Due on your nearest payday (maximum of 15 days)	See Chart
$700.00	$175.00	$875.00	Due on your nearest payday (maximum of 15 days)	See Chart
$800.00	$200.00	$1000.00	Due on your nearest payday (maximum of 15 days)	See Chart
$900.00	$225.00	$1125.00	Due on your nearest payday (maximum of 15 days)	See Chart
$1000.00	$250.00	$1250.00	Due on your nearest payday (maximum of 15 days)	See Chart

Thank you for your business. Payday Advance Plus, Inc. (“PAP”) is incorporated, registered and regulated in the State of Utah where this transaction will be deemed to have take place, regardless of where you have viewed, accepted and submitted the agreement. The APR is estimated based upon your “Due Date” listed above. If you payoff this transaction before the “Due Date” (prepayment) you will be entitled to a refund of part of the finance charge. If, for any reason, your bank or financial institution refuses or dishonors your draft(s) or electronic debit(s) on the above listed “Due Date”, there shall be a $20.00 charge per draft or electronic debit AND after a 10 day grace period, a delinquency fee of $30 or 5% which ever is greater. Customer hereby agrees to be responsible for any cost of collection PAP may incur as a result of customer’s dishonored draft(s) or electronic debit(s) including but not limited to any fees or charges associated with bank NSF or returns, collection agency fees, attorney’s fees, court cost fees, costs of being served, pre and post judgment interest, any costs associated with the execution or application of wage garnishment, etc.. This Agreement is governed by Utah law except where federal laws may apply. Customer hereby authorizes PAP to initiate electronic debit and credit entries into and from customer’s bank account, in whole or in part, for the amount indicated in the “Total of Payments” box above, on or after due date. Customer also authorizes PAP to prepare and submit on Customer’s behalf a check (draft) drawn against Customer’s account in the amount of the Total of Payments due PAP or a portion thereof on or after due date. Customer may cancel EFT and Draft authorization by providing written notification 15 days prior to Due Date. Customer’s authorizes PAP to make withdrawals from Customer’s current account even if the financial institution and/or account numbers are different than those on the original application. Customer agrees to maintain an open account, with an adequate balance, to ensure all payments are collected by PAP on the scheduled due date. Loan rollovers are permitted for a maximum of 12 weeks. Consumer should refer to the contract for information about nonpayment, default, etc. Regulation B in Federal Law prohibits the consideration of Age, Sex, Race, Ethnicity, Gender, National Origin or Handicap as a basis for making anyone a loan. PAP does not discriminate based on any of these factors and won’t maintain vendor relationships with anyone who does not conform to these anti-discriminatory policies. Interest is only charged for the time the loan is outstanding, at the originally disclosed APR, If PAP is unable to collect payment from Customer’s provided account for any reason, Customer promises to pay PAP all cash sums Customer owes immediately, by mailing Customer’s payment using overnight delivery in the form of a cashier’s check or money order to PAP’s payment processing center. If for any reason this Agreement is considered invalid, Customer hereby agrees to return immediately; all sums advanced to Customer under this Agreement, and authorize PAP to withdraw from Customer’s account, either by ACH debit or draft deposit, any and all sums advanced. Arbitration: Both parties agree that any claim, dispute, or controversy between us, except for claims involving the collection of funds owed to PAP, shall be resolved by binding arbitration by and under the Code of Procedures of the National Arbitration Forum (NAF) at the time the claim is filed. Any and all claims regarding the validity of this Agreement and Arbitration Clause as well as any claims alleging fraud or misrepresentation shall be resolved by binding arbitration under this Code of Procedures as well. Rules and form of the NAF may be obtained and all claims shall be filed at any NAF office on the World Wide Web at www.arbforum.com or at P.O. Box 50131, Minneapolis, MN 55405. Any arbitration hearing, if one is held, will take place at a location near your residence. Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. This arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act 9. USC Section 1-18. Judgment on the award may be entered by any party in any court having jurisdiction. Notice: Both parties have had the right or opportunity to litigate disputes through a court but we have agreed instead to resolve disputes through binding arbitration. Customer agrees, to the extent permitted by law that Customer will not bring, join, or participate in any class action or multi-plaintiff action as to any claim, dispute, or controversy Customer may have against PAP. Customer agrees to the entry of injunctive relief to stop such a lawsuit or to remove himself or herself as a participant in the suit. This agreement does not constitute a waiver of any of Customer’s rights and remedies to pursue a claim individually. Customer agrees that electronic mail; electronic forms, records, photocopies, and/or facsimile copies of the documents Customer submits are valid and enforceable as the original. Customer agrees that by typing or writing Customer’s name as Customer’s signature, it is acknowledged and understood that it constitutes an acceptance of all terms and conditions of this Agreement. Customer agrees that all extensions to this contract will be governed by the same terms as the original contract. PAP may provide information to credit bureaus, subpoenas, state and federal audits, and third parties in the sale of your account to another financial institution as provided by law. If you find that your account information is out-of-date, inaccurate or incomplete, please call or write us and we will promptly update or correct your erroneous information.