2 16 63s4451 01r24:51 p.m.

07-08-2016 2 t12

Consumel:
Silver Cloud tin n<i.|,In .

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A} OUXI FINAI{CED TOfA! PAYIiITIIR

Theamount you w,llhave paid alter
The amount ofrredlt provlded to you
you hale made all p!$nents as
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NOITCE: A SIjORT Itfi M LOAN Sli OULo B€ US E D FOR SH ORT-TERM FINANCIAL liEEgS CNLY, NOI AS A LON G TERM FINANCIAL SOLUIION. CU'TOMERS wlIH
CREDIT oISFICULTIE5SIOUTDSEE( CREOIT C0UNSEUN6 0lr MEETwlTH A NONPROFTT FINANC|AL COUNSTLTNG SERVTCI rN TH88 CoMMUNTTY.
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or'""","n o.,., of1r11l11-,-
In thisAgreement, "Company
I I \!ie,n
trOurr and 'Usir mcans Silver Cloud Financial,lnc,an arm ofthe Ha bernatolel Pomo of uaper LakeTrlbe of lndlantthat a5

a fedemtly re.ognized Nati!€ Am€riaan lidien Tribe, and any aulhorired representativq agent, independ€nl €ont$Cor, affllaate or assignee We use in rhe
provisio n oi Your loan. 'You" a nd 'Yo ul' mea ns the (on!! me. wh o sig ns the ASreeficnt elecironiaally. lhe term 'buslness d !Y" ,nears any ca lenda r day other
ihan a Saturday, Sunday or a b.rni or fed€ral hoiiday.

PROMEE lO pAY; You pro.nite ropaytc:he order ot silver Clorid r ina ncial, lrc., an am oflhe HibematolelPo oof Upper LakpTr'be oflfldlans, a fedorelly
recognir€d NativeAme can hdian Trib., orany rubseqlent holde. ol thir agrermeitany and allsufi5 dua hereundea. YolJ promire to pay there a molnt5 on
thedaiel listed in the Paymert Schedule abcve. Yoir also p.omise tc pay io Us any other ieeJprovided tor under thls Agreement.

SArtIt DAYIUNDtN6: You mayhrve theoptior lo ele.1a convenience seryice tohaleYou.loafi lunded on the $afl]e dny sljbiec! lc ihe termsand conditions
in this Agreement, tf Ycu El4ct thi. convenience t€rvice/ lh€ .harge for sams dry lundinS will be 52C.m end yo! will be reqon€d lo aSree io i he terms Please
note thatce(ain cofldltlons maydelry orpre.vent Us from firndln& You r loan the same day,lndudiig blt nol lihilod to wire cutofftinrei, bank holiday and
weekend ,chedules, and any procerslnq 5chedrle restriclicmthat may be imposed by Your indlvidual lhafl€i3l iinitutioo.

DBBUn$MB|T OAIE: tfYou.lc.n ti.pproved,lt wlllbe contum,nated asofAprll 12,2016 (ihe "crsbur5em€^t Date") except as p.ovided herein. if yo! elect
,n electroni0 method to reaeive the proceed5from the Oansaction ref'e(ted by this Agreeltlenl, wewill!te commerclally retsonibleefiortg to effecl a credlt
entry hy depositing such proceed! ioto th€ bant accounl you provide lo us lYour "Bank Account")on lhe.ext bu5iness day, provided, hor/ever, eholld you
select tho Same Oay Fuoding optioa, then tirbjefi to iie termr otthis Agreemenl, we will use commercially reaionable elforis tc ef{,erl a wire thnrfer to
your iccount on the same brlriness day, It you elect the Postal Marl or Cne(k vla MarlOption, lhen we will use cofime.cially rearonable e.forts io issue a
cheak thenext business day butyou should allow reven (71 :o ten {!0) busisess Cays for mailinga.d ilelivery. Unavoidable delayr that o.cur as i resuk oi
bank holldayt the proaessing *hedule of Your individuaL btsnk, \he untimely recelpt of pay stLb3, if euah ply nubt are required, tnadve.terl proc€srD8
erors, 'eats ol Cod", aad/cr'actt of t.rror"m.y extcrC the time l9r lhe deDosit znd may caure a (hnn8e in lhe Oigbursem€nl iate and Yc.Jr Ar'Fual
PeraentsBennte ("APR") a5 disclcs.d herein.ln the elent thit disburiement l5 delayed, lhe Di.burr4tnent Date wlllaulomatically adjotl io lh€ a.tualdate of
disbunement.

WHE YOU 8€Glll PAYI|I|G Flt'lAilct C AR6t{3}: Ycu Ly8in 1o pay u s linance caarge(sl for the loan c n the Disbu rsement !ate. The fitltl*tallmenl Pe.ioC on
I ho loan begin! on the Oisbursement Oaie and e nCl oa the first Pay menr D! c Oa te, Thereiftcr, ea ch I n tlallnent Per;od begins on t h€ i;rst d!:e fouowin I ihe
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# c A s H A, D v
CUSTOMER COMMENT LINE: 1-BOO-916-6519
A. N C I
CUSTOMER AGREEMENT
DATE ISSUED 05/27 /2076 06:32:33
LOAN rD #
PM

LENDER: BORROWERl
Advance America Small Loans of Ohio, Inc. d/b/a Advance
America, Cash Advance Centers, d/b/a Advance America Cash
Advance, d/b/a Advance America
24682 Euclid Avenue
Euclid, Ohio 44117 Customer #
Phone:(216)531-5233 Fax:(216)531-5324
The Parties. This agreement is between ("you", "your") and Advance America Small Loans of
Ohio, Inc. ("Advance America", "we", "us"), a lender making loans pursuant to sections 1321.51 to 1321.60 ofthe
Ohio Revised Code.
Your Loan. We agree to make a loan to you in the principal amount of $1185.26 and to advance to you the
principal amount minus an origination charge of $100.00 and a credit investiqation 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 jn cash or by money order or cashier's check. Additionally, you are
delivering to us your personal check (no. 1147) in the amount of $1202.30. 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, June 77, 2076. .. -frvyl '^ - D,l ,a it^1 D',|tdil-

Amount Financed Total of Payments

The amount of credit The amount you will have

provided to you or on your paid after you have made
behalf. all payments as scheduled.
$ 107s.26 $L202.30

Payment Schedule. One payment in the amount of $1202JO, is due on Fridav, Jule 17, 2016.
Security. You are giving us a security interest in your check.
Prepayment. If you pay off early, you will not have to pay a penalty.
Late Charge, If your payment is late by more than ten (10) days, you will be charged 57o of the unpaid
payment amount or $15, whichever is greater.
See the terms below and on Page 2 of this agreement for additional information about nonpayment, default, and
prepayment refu nds.

Itemization of Amount Financed of $1075.26: Amount given to you directly: $1075.26

Origination Charge: $ 100.00
Credit Investigation Fee: g 10.00

Principal Amount of toan: $1185.26

Less prepaid finance charges: 9110.00
Amount Financed: $1075.26
Right to Cancel. You may cancel this loan and avoid paying any fees by returning either the loan proce€ds check
that we gave you or the loan amount in cash, cashter's check or money order before our office closes on Saturday,
May 28,2016. \
Prepayment. You may prepay your loan in full or make a partial prepayment in any amount at any time. If you pay
off early, you will reduce the amount of interest that you pay, but you will.not receive a refund of any part of the
origination fee or the credit investigation fee unless you cancel your loan as provided in the "Right to Cancel" section
above.
Nonpayment and Default. if you do not pay the principal amount plus interest in full by the close of business on
the due date, we may process your check for col If your bank refuses to your check, we may charge you
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FEDERAL AND PROMISSORY NOTE

Loan # Date: 02/03/2016

Borrower: Lender:
NCP Finance ohio, LLC
205 Sugar Camp Circle Dept. CSM
Dayton, OH 45409
1 (855) 380-4021

ln the lollowing Federal Trulh-ln-Lending Disclosures and Promissory Note ohe'Note), "1" and "me" refer to the
Borrower who has signed this Note. "Lender," "you" and "your" refer to NCP. Finance Ohio, LLC ("Lender").
"CSO" reters to Buckeye Credit Solutions LLC, a credit services organization registered under Ohio law. Lender is
a licensed lender underthe Ohio i/ortgage Loan Act, O.B.C. SS 1321.51 - 1321,60.

FEDERAL TFUTH.IN-LENDING DISCLOSURES

ANNU AL FINANCE CHARGE AMOUNT FINANCED TOTAL OF PAYMENTS

PERCENTAGE
The dollar amount the Thc amount ol credit The arnount I will havs paid
BATE credil will cost me. provided to me or on my aiter I have made all payments
behall- as scheduled.
The cost ol my credit as a

$324,58 $1ooo.o0

My Payment Schedule Wlll Be:

Number of Payments Amounl ol Payments When Payments are Due

1 s162.28 -
Monthiy beginning 03/03i2016
1
$1162.30 04t03t2a16

Prepayment Penalty: lf lpay offearly, lwill not havelopaya penalty.

Late Fee: lt any payment is In default for a pedod of 10 days or more, you may impose a late
fee €qual to $'15.00 or 5% of the amount of the scheduled installment due, whichever
is greater.
See the remainder of this document tor additional information about non-payment, detault, any
in full betore the scheduled date and preoayment retunds and

Itemization of Amount Financed:

Amount given directly to me: s'1000.00
ElUq: Amounl crediied to my account with you: $0.00
PlUg: Amount credited to my account with a third-party: $0.00
Elgsr Amount of CSO Fee paid to CSO on rny behafi (prepaid tinance charge): $275.20
Elug: Amount of Credit lnvestigation Fee $0.00
Equals: Principal Loan Amount $1275.20
ICSS: Prepaid Financs Charge (Amount of CSO Fee and credit investigation fee) $27 5.20
Eouals: Amount Financed s1000.00

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