toM\,fN/\L +w'.

Cusromer Agreement
r::lp 1r3-5\q 88e - +lO - DOS(<2 &La4 .1zv.lit-"-
LoanNumber: tf$ Datc: 01102i 2017

I2543 ROCI(SlDE ROAI)

CiAl{I]ILLD IIEICHTS,OHIO,44 I 25

Phouer (21(r)58i-4(r50

l'ax: (21(r)5ll1,1656

ln this Customer Agreement, the rvords "you" and "your" mean the customff who has signed it. The words rwe," "us' and "our" mean
Ohio Neighborhood Finance, Inc. registered rvith the Ohio Depafiment of Comnerce, Division of Financial Institutions. The Truth in
set forth below are part of this Customer
FEDERAL TRI]TH-IN-LENDING DISCLOSTIRES
ANNUAL Amount Total of
PBRCENTAGE Financed Payments
RATE The amou[t of credit The amount vou will have
proYided to you or on your paid after vou"have made all
he cost of 1'our credit hehrlf- payments as scheduled,
Ycar.ly rate.
124.31"1, $500.00 $ss1.10

l'iiymcnt Scliedule; Onepa),rlentiirtheanountof .$551.10 dueorr 0210112017 (Paynrert Date).

[.rtc Charge: llyou thil to pay the Tota] ofPa],l11{rnts withirl 10 clays aftel the Payment Date, you will be charged a late chnrgc equal to
tht: orr:atr:r: of 5'li, of lhe tolal oavrnents or S 15.00.
l',cli',r'nr.nt: tl ) ou pa) ott earty. youruiti lot hcve topaya penalty, andl,ou rvillno!be entitled to a lefundolpart ofthe liuance
L lrr ue

S-cc
" additional infonnation about no[payn]ent, default and prepa)anent refunds
the rerms belorv and on the other side for any
' aod t:
penal:ier. i.,,,'.:,,= . ,, .r.,, I -)r. :.1
Itenlization of An)ount f inanced \c.,.0 ( 0or
l. Ailloul1l given to 1,ou directly $500.00
2. Aruount paid or trarsaction no. s'ith Us 50.00 [c,sh\o.nc(
3. [-oan Originatior] Charge paid to Us 530.00
4. Cledit ill\'estigatio Fee paid to Us $10.00 \n Tv.an1\q ?o.ztC
-s. Principai Anount (Items I plus 2 plus 3 plus,l)
0i ,rLirr,'to-t'"Ct t qsz.{\,
$540.00
6. Lcss Prepaid Financc Charge (Ite1n 3 plus 4) $40.00
7. Anount f inalced (Item 5 nirtus 6)
":*ht
'-'q:l: t,,r^t
PROMISE fO PAY. You promise topayus $540.00 (the Principal Amount ofthis loan) plus interest at a rate ol25% fer annum ou ihe
principal outstanding lbr the time outstanding from the date of this Customet Agreement until paid io full. Interest shaU be computed
daily upon the principal balance outstanding by using the simple interest method, assuming a 365-day year. You agree that we may
iritiate the ACH (as defined below) or negotiate your personal check in the amount of $551.10 on or after the Pa)rmeflt Date as payment
undor this Customer Agreement. If the ACH is initiated by us after lhe Payment Date, you acknowledge and agree that the interest will
cootinue to accrue in accordance lvith tlris provision, which may result in the actual amount ol the ACH tteing greater than the Total of
Payulerrts. as irrdicatcd aboYc.

PI{LPAYI,IENT/ C.{NCELI-/\ llON. You rray pre}]ay your obligations under thjs Customer Agreenent in any anrourlt at any tinre alrd
),ou r.ill uot incul an additional charge, fec or penalty. Padial or i'ull prepaymellt of the Principal Amount of this loan will rcduce the
anlouDl oi ir]terest that rvill accrue. Any time prior to the close of business on the business day irnrnediately lbilorvrng t-he dare oi rhis
L ustoner Agleclle[t. you tuay prepay to us the Amount Finat\9ed in cash or other immediately available fllnds ir full satisfaction ol vour.
oLTIigatio1is uuricl. this Cuslon]er A-treernert. and rvc rvill calccl this Custoner Agreement.

LO,,\N ORIGINATION CH.ARGE. You aglce to pay a nonrefundable (subjec{ to yourdght to cancel) Loan Origiuation Chargc of
S30.00. ivlich rvjll be ilcluilecl in the pr-incipa1.
 J..*
R,ffi
ADVANCE AAAERICA CUSTOMER AGREEMENT
DATE ISSUED 43i03/2016 01:05:47 Plvl

CUSTOMER COMMENT LINE: 1-800-9 i 6-6519

LOAN ID #

LENDER: BORROWER:
Advance America Small Loans of Ohio, Inc. d/b/a Advance
America, Cash Advance Centers, d/b/a Advance America Cash
h,5Lfiyu7
Advance, dlb/a Advance America 14 cJ^u.lL.
6750 Biddu lph Rd #102
Brooklyn, Ohio 44744 *qlms--
Phone:(276)739-9442 Fax:(276)739-9466
The Parties. This agreement is between ("you", "your") and Advance America Small Loans of Ohio,
Inc. ("Advance America", "we", "usl'), a lender making loans pursuant to sections 1321.51 to 1321.60 of the Ohio
Revised Code.
Your Loan. We agree to make a loan to you in the principal amount of $765.80 and to advance to you the principal
amount minus an origination charge of $30.00 and a credit investigation fee of $10.00. For that loan, we will charge
you simple interest at the rate of 25o/o per year on unpaid principal amounts, computed on the actual days elapsed,
using a 365-day year. You agree to return to this center in person on or before the due date and repay the principal
amount plus interest in cash or by money order or cashier's check. Additionally, you are delivering to us your
personal check (no. 00262) in the amount of $781.01. This amount equals the principal amount plus interest. We
agree to hold your check without processing it for collection until after your due date.
Due Date, Your loan is due on Friday. April 1, 2016.
Federal Truth-In-LendinE Act Disclosures.
Amou nt Fina nced Total of Payments

The arnount of credit The amount you will have

provided to you or on your paid after you have made
all payrDentses-scheduled.

Payment Schedule. One payment in the amount of $781.01, is

Security. You are giving us a security interest in ycur check.
Prepayment. If you pay off early, you will nor have to pay a penalty.
Late Charge. If your payment is late by more than ten (10) days, you will be charged 50/o of rhe unpaid
payment amount or $15, whichever is greaier.
See the terms below and on Page 2 of this agreement for additional lnformation about nonpayment, default, and
prepayment refunds.

Itemization of Amount Financed of $Z2J.B0: Amount given ro you directly: $725.80

Origin ation Charge: $30,4S
Credit Investigation Fee: $10.00
Princjpal Amount of Loan: $7€5.80
Less prepaid finance charges: $4q,QQ
Amount Financed I $225.80
Right to Cancel. You may cancel this Ioan 3nd avoid paying any fees by retui-ning either the loan proceeds check
that we gave you or the loan amount in cash, cashier's check or money order before our office closes on Friday,
Ma..h 4, 201b.
Prepayment. You may prepay your loan in full or make a partiai prepayment n any amount at any time. lfyou pay
off early, you will reduce the amount of interest ttrat you pay, but you will not receive a refund of any part of the
origination fee or the credit investigaticn fee uniess you cancel your loan as provided in the "Right to Cancel" section
above,
Nonpayment and Default, If you da not pay the p.incipal amount plus interest in full by the close of business on
the due date, we may process your check for collection. If your bank refuses to pay your check, we may charge you
a one-time fee of $20. Your bank may also charge yo,r additional fees lf your check is returned unpaid.
Electronic Check Re-Presentment. If youi- check is returned unpaid, we may process your check electronically up
to two add tional tinres.