LENDER (RCL FINANCE, INC.) PRIVACY POLICY

Transcription

1 LENDER (RCL FINANCE, INC.) PRIVACY POLICY Rev. January 2012 FACTS Why? What? WHAT DOES RCL FINANCE, INC. ( RCL ) DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Credit or loss history and employment information When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons RCL. chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does RCL share? Can you limit this sharing? For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates everyday business purposes information about your transactions and experiences Yes No For our affiliates everyday business purposes information about your creditworthiness No We don t share For nonaffiliates to market to you No We don t share Questions? Call

2 What we do How does RCL protect my personal information? How does RCL collect my personal information? Why can t I limit all sharing? Definitions Affiliates Nonaffiliates Joint Marketing To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain physical, electronic and procedural safeguards such as computer virus protection software, firewalls, and a 128 bit Secure Socket Layer. Only authorized employees have access. We collect your personal information, for example, when you Apply for a loan Give us your income information Provide employment information Provide account information Give us your contact information We also collect your personal information from other companies. Federal law gives you the right to limit only Sharing for affiliates everyday business purposes-information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. Financial and nonfinancial companies related by common ownership or control. RCL does not share with our affiliates including, but not limited to, MKS Financial Services, Inc., Texas Loan Corporation, and SGS Finance, Inc. Financial and nonfinancial companies not related by common ownership or control. RCL does not share with nonaffiliates so they can market to you. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. RCL doesn t jointly market.

3 ACE CASH EXPRESS PRIVACY POLICY FACTS WHAT DO THE ACE CASH EXPRESS COMPANIES DO WITH YOUR PERSONAL INFORMATION Rev. 01/2012 Why? What? How? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and checking account information transaction history and income credit history and assets All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons the ACE Cash Express Companies choose to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes to offer our products and services to you For joint marketing with other financial companies For our affiliates everyday business purposes information about your transactions and experiences For our affiliates everyday business purposes information about your creditworthiness Do the ACE Cash Express Companies share? Yes Yes Yes Can you limit this sharing? For our affiliates to market to you Yes Yes For nonaffiliates to market to you Yes Yes Yes Yes No No No No Yes To limit our sharing Call our menu will prompt you through your choice(s) Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call

4 Page 2 Who are we Who is providing this notice? What do we do How does ACE Cash Express protect my personal information? How does ACE Cash Express collect my personal information? Check-cashing, payday advance providers, vehicle secured credit providers, creditors, and financial service providers operating under the ACE Cash Express name as set forth below To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We collect your personal information, for example, when you apply for a loan or make a wire transfer apply for insurance or show us your government issued ID pay your bills Why can t I limit all sharing? What happens when I limit sharing for an account I hold jointly with someone else? Definitions Affiliates Nonaffiliates Joint Marketing Other important information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Federal law gives you the right to limit only sharing for affiliates everyday business purposes information about your creditworthiness affiliates from using your information to market you sharing for nonaffiliates to market you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Your choices will apply to everyone on your account. Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies operating under the ACE or ACE Cash Express name. Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include lenders; banks; collection agencies; check-cashers; tax preparers; brokers; pawnbrokers; rent-to-own, mortgage and insurance companies; and retailers. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include lenders; banks; tax preparers; brokers; pawnbrokers; mortgage companies; and retailers. Notice to California Residents Pursuant to state law, we may not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission. California Civil Code Section , also known as S.B. 27, allows California residents to request certain information regarding our disclosures in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request, please contact us at or ACE Cash Express, Inc., 1231 Greenway Dr., Suite #600, Irving, TX Provided by the following companies: ACE Cash Express, Inc., ACE Credit Services, LLC, ACE Cash Express Insurance Services LLC, ACE Minnesota Corp., ACE Virginia Title Loans LLC, ACE South Carolina LLC, ACE Cash Express Title Loans LLC, ACE Finance Company LLC, ACE Credit Access LLC and FSH Credit Services LLC.

5 CONSENT TO ELECTRONIC DISCLOSURE By consenting to the electronic delivery of disclosures, you agree that FSH Credit Services LLC, d/b/a ACE Cash Express ( FSH ) and RCL Finance, Inc. ( Lender ) may provide electronically any and all communications concerning their decisions on your Application for Credit Services and Third-Party Loan (the Application ), the terms of any credit services and/or loan that may be provided to you and the privacy policies of FSH and Lender (the Disclosures ). The Disclosures may include, in addition to other things, disclosures pursuant to: (1) Sections to and to of the Ohio Revised Code; (2) the federal Equal Credit Opportunity Act and Regulation B; (3) the federal Fair Credit Reporting Act; (4) the federal Truth in Lending Act and Regulation Z; (5) the federal Electronic Funds Transfer Act and Regulation E; (6) the federal Gramm-Leach-Bliley Act; and (7) any other applicable federal, state or local law or regulation. Your consent applies not only to the Application and any resulting credit services and loan but also to any application for future credit services from FSH and/or loan from Lender. To electronically receive, view and save or print the Disclosures, you must have a personal computer equipped with Microsoft Internet Explorer 7.0, Google Chrome 13.0, Firefox 5.0, Safari 4.0 or any later version of these programs, Adobe Reader 6 or later version; and either a printer, a hard drive or other storage device. Prior to submission of your Application, you may withdraw your consent to electronic disclosures by exiting this website. You agree that any address you provide with your Application may be used to provide you with Disclosures, and you agree to notify FSH or Lender of any changes to your address either in writing or via at least five (5) days before the change. You have the option to receive any information that FSH or Lender have provided to you electronically in paper form at no cost to you by contacting FSH at 1231 Greenway Drive, Suite 600, Irving, Texas or Lender at 201 E. Abram St., Suite 120, Arlington, Texas and including your name, address, and most recent Transaction Number. You may also withdraw your consent to electronic disclosures by contacting FSH or Lender in the same manner. If you withdraw your consent to electronic disclosures, FSH or Lender may elect to terminate their relationship with you. BY CLICKING I AGREE BELOW, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE ABOVE CONSENT. IF YOU DO NOT AGREE, YOU WILL NOT BE PERMITTED TO OBTAIN CREDIT SERVICES OR A LOAN. Name on application: JUSTIN RICKMAN I Agree Date of Agreement: 12/31/2012

6 PLEASE REVIEW AND DECIDE WHETHER TO EXECUTE FSH S ARBITRATION AGREEMENT BELOW BY E-SIGNING BELOW. ARBITRATION AGREEMENT This Arbitration Agreement provides that, unless prohibited by applicable law, upon the election of either you or FSH Credit Services LLC, d/b/a ACE Cash Express ("FSH") any legal dispute between you, on the one hand, and FSH, on the other hand, will be resolved by binding arbitration. In arbitration, a dispute is resolved by an arbitrator instead of a judge or jury. Arbitration procedures are simpler and more limited than court procedures. Right to Reject Arbitration Agreement: YOU MAY REJECT THIS ARBITRATION AGREEMENT BY CLICKING "I DO NOT AGREE" AT THE END OF THIS ARBITRATION AGREEMENT. YOU MAY ALSO REJECT THIS ARBITRATION AGREEMENT BY SENDING FSH A NOTICE ("REJECTION NOTICE") THAT IS RECEIVED WITHIN THIRTY (30) DAYS AFTER THE DATE OF YOUR APPLICATION. THE REJECTION NOTICE MUST INCLUDE YOUR NAME, ADDRESS, TELEPHONE NUMBER AND THE DATE OF YOUR APPLICATION AND MUST EITHER BE MAILED OR SENT BY MESSENGER SERVICE (SUCH AS FEDERAL EXPRESS) TO THE GENERAL COUNSEL, FSH CREDIT SERVICES LLC, D/B/A ACE CASH EXPRESS, 1231 GREENWAY DRIVE, SUITE 600, IRVING, TEXAS IF YOU REJECT ARBITRATION, NEITHER YOU NOR FSH WILL HAVE THE RIGHT TO REQUIRE ARBITRATION OF SOME OR ALL CLAIMS (AS SUCH TERM IS DEFINED BELOW). REJECTION OF THE ARBITRATION AGREEMENT WILL NOT AFFECT FSH'S WILLINGNESS TO PROVIDE YOU WITH CREDIT SERVICES, NOR WILL IT AFFECT THE TERMS OF YOUR CREDIT SERVICES AGREEMENT WITH FSH. ANY REJECTION OF ARBITRATION WILL APPLY ONLY TO THIS ARBITRATION AGREEMENT (AND NOT TO ANY PRIOR OR SUBSEQUENT ARBITRATION AGREEMENT). Coverage and Definitions: This Arbitration Agreement benefits and is binding upon: (1) you and FSH; (2) any company that owns or controls FSH (a "Parent Company"); (3) any company that is controlled by a Parent Company or FSH; (4) any person or company that has or acquires a financial interest or rights under the Credit Services Agreement; and (5) with respect to any of the foregoing, any heirs, assigns, personal representatives, officers, directors, owners, shareholders, principals, agents, attorneys, lenders, sureties, or insurers. Also, if either you or FSH elect to arbitrate any Claim you bring against FSH, the persons who may benefit by this Arbitration Agreement include any other persons or companies you make a Claim against in the same proceeding. "Claim" means any legal dispute between you, on the one hand, and FSH, on the other hand, that has anything at all to do with: (1) your Credit Services Disclosure Statement, your Application for Credit Services, this Arbitration Agreement, the Credit Services Agreement and/or FSH s privacy policy; (2) the servicing or collection of amounts due under the Credit Services Agreement; or (3) any related advertising, promotion, disclosure or notice. This includes a dispute about whether this Arbitration Agreement is valid or enforceable, about when it applies and/or about whether a dispute is arbitrable. It includes disputes about constitutional provisions, statutes, ordinances, regulations, compliance with contracts and wrongful acts of every type (whether intentional, fraudulent, reckless or negligent). This Arbitration Agreement applies to actions, omissions and events prior to, on or after the date of this Arbitration Agreement. It applies to disputes involving requests for injunctions and/or other equitable relief. However, notwithstanding any language in this Arbitration Agreement to the contrary, the term "Claim" does not include any dispute about the validity, effect or enforceability of the prohibitions against class proceedings, private attorney general proceedings and/or multiple-party proceedings described under the caption "Prohibition Against Certain Proceedings" (the "Class Action Waiver"), and any such dispute shall be resolved by a court and not by an arbitrator or arbitration administrator. Administrator means JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, the American Arbitration Association (the AAA ), 1633 Broadway, 10th Floor, New York, NY 10019, or any other company selected by mutual agreement of the parties. If both JAMS and AAA cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court. You get to select the Administrator if you give the other parties written notice of your selection with your notice that you are electing to arbitrate any Claim or within 20 days after any other party gives you notice that such party is electing to arbitrate any Claim. If you do not select the Administrator on time, FSH will select the administrator. Notwithstanding any language in this Arbitration Agreement to the contrary, no arbitration may be

7 administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or informal policy that purports to override the Class Action Waiver. Important Notice: IF YOU OR FSH ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM FSH AND TO APPEAL IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. "Prohibition Against Certain Proceedings:" IF YOU OR FSH ELECTS TO ARBITRATE A CLAIM: (1) NO PARTY MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NO PARTY MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION. Initiating Arbitration Proceedings: A party asserting a Claim must first comply with the paragraph captioned "Notice and Cure; Special Payment." Additionally, a party electing arbitration must give written notice of an intention to initiate or require arbitration. This notice can be given after the beginning of a lawsuit and can be given in the papers filed in the lawsuit. If such a notice is given, unless prohibited by applicable law, any Claim shall be resolved by arbitration under this Arbitration Agreement and, to the extent consistent with this Arbitration Agreement, the applicable rules of the Administrator that are in effect at the time the Claim is filed with the Administrator. A party who has asserted a Claim in a lawsuit may still elect arbitration with respect to any Claim that is later asserted in the same lawsuit by any other party. The arbitrator will be selected in accordance with the Administrator's rules. However, unless all the parties agree otherwise, the arbitrator must be a lawyer with more than 10 years of experience or a retired judge. FSH promises that they will not elect to arbitrate an individual Claim that you bring in small claims court or an equivalent court. However, FSH may elect to arbitrate a Claim that is transferred, removed or appealed to any different court. Arbitration Location and Costs: Any arbitration hearing that you attend will take place in a reasonably convenient location for you. If you object to the fees charged by the Administrator and/or arbitrator, FSH will consider in good faith any reasonable written request for FSH to bear the fees charged by the Administrator and/or arbitrator. Also, FSH will pay any fees or expenses they are required to pay by law or are required to pay so that a court will enforce this Arbitration Agreement. Each party must pay for that party's own attorneys, experts and witnesses, provided that FSH will pay all such reasonable fees and costs you incur if you are the prevailing party and/or where required by applicable law and/or the Administrator's rules. Applicable Law: You and FSH agree that the Credit Services Agreement and this Arbitration Agreement involve interstate commerce, and this Arbitration Agreement is governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. 1 et seq. The arbitrator must follow, to the extent applicable: (1) the substantive law related to any Claim; (2) statutes of limitations; and (3) claims of privilege recognized at law. Upon the timely request of any party to an arbitration proceeding, the arbitrator must provide a brief written explanation of the basis for the award. The arbitrator will determine the rules of procedure and evidence to apply, consistent with the arbitration rules of the Administrator and this Arbitration Agreement. In the event of a conflict between this Arbitration Agreement and the rules or policies of the Administrator, this Arbitration Agreement shall govern. The arbitrator will not be bound by federal, state or local rules of procedure and evidence or by state or local laws concerning arbitration proceedings. Getting Information: In addition to the parties' rights to obtain information under the Administrator's rules, any party may submit a written request to the arbitrator seeking more information. A copy of such request must be provided to the other parties. Those parties will then have the chance to object in writing within 30 days. The objection must be sent to the arbitrator and the other parties. The arbitrator will decide the issue in his or her sole discretion within 20 days thereafter. Effect of Arbitration Award: Any court with jurisdiction may enter judgment upon the arbitrator's award. The arbitrator's decision will be final and binding, except for any appeal right under the FAA and except for Claims involving more than $50,000. For these Claims, any party may appeal the award to a three-arbitrator panel appointed pursuant to the Administrator's rules. That panel will reconsider from the start any aspect of the initial award that

8 any party asserts was incorrectly decided. The decision of the panel shall be by majority vote and will be final and binding, except for any appeal right under the FAA. Unless applicable law (or the paragraph captioned "Corrective Action; Survivability and Severability of Terms") requires otherwise, the costs of an appeal to an arbitration panel will be borne by the appealing party, regardless of the outcome of the appeal. However, FSH will consider in good faith any reasonable written request for FSH to bear the cost. Also, FSH will pay any fees or expenses they are required to pay by law or are required to pay so that a court will enforce this Arbitration Agreement. Corrective Action; Survivability and Severability of Terms: A party must be given written notice and a reasonable opportunity of at least 30 days to remedy any circumstance that might preclude arbitration of a Claim. This Arbitration Agreement shall survive: (1) termination or cancellation of the Credit Services Agreement and/or repayment of the Loan; and (2) the bankruptcy of any party. If any portion of this Arbitration Agreement other than the Class Action Waiver is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. If a determination is made that the Class Action Waiver is unenforceable, only this sentence of the Arbitration Agreement will remain in force and the remaining provisions shall be null and void, provided that the determination concerning the Class Action Waiver shall be subject to appeal. This Arbitration Agreement can only be amended or supplemented by written agreement. Notice and Cure; Special Payment: Prior to initiating litigation or arbitration regarding a Claim, the party asserting the Claim shall give the other party or parties written notice of the Claim (a "Claim Notice") and a reasonable opportunity, not less than 30 days, to cure the Claim. Any Claim Notice to you shall be sent in writing by mail or by to the address you have provided on your Application (or any updated address you have subsequently provided). Any Claim Notice to FSH shall be sent by mail, c/o Vice President of Compliance, 1231 Greenway Drive, Suite 600, Irving, Texas 75038, or by to txwebservice@acecashexpress.com. Any Claim Notice you send must identify yourself and provide your telephone number and address. Any Claim Notice must explain the nature of the Claim and the relief that is demanded. The party giving a Claim Notice must reasonably cooperate in providing any information about the Claim that the other party or parties reasonably request and must give the other party or parties a reasonable opportunity to respond to the demand for relief. If FSH refuses to provide you with the relief demanded in any Claim Notice you send them in accordance with this paragraph and an arbitrator subsequently determines that you were entitled to such relief (or greater relief), the arbitrator shall award you at least $5,100 (not including any arbitration fees and attorneys' fees and costs to which you may be entitled). Intending to be legally bound, FSH has caused this Agreement to be signed on their behalf. FSH Credit Services LLC, d/b/a ACE Cash Express By: Douglas A. Lindsay, President BY CLICKING I AGREE BELOW, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS OF THE ARBITRATION AGREEMENT ABOVE. IF YOU REJECT THE ARBITRATION AGREEMENT (SEE RIGHT TO REJECT ARBITRATION AGREEMENT ABOVE), CLICK THE I DO NOT AGREE BUTTON. Name on application: JUSTIN RICKMAN I Agree Date of Agreement: 12/31/2012

9 PLEASE REVIEW AND DECIDE WHETHER TO EXECUTE LENDER S ARBITRATION AGREEMENT BELOW BY E-SIGNING BELOW. ARBITRATION AGREEMENT This Arbitration Agreement provides that, unless prohibited by applicable law, upon the election of either you or RCL Finance, Inc. ("Lender"), any legal dispute between you, on the one hand, and Lender, on the other hand, will be resolved by binding arbitration. In arbitration, a dispute is resolved by an arbitrator instead of a judge or jury. Arbitration procedures are simpler and more limited than court procedures. Right to Reject Arbitration Agreement: YOU MAY REJECT THIS ARBITRATION AGREEMENT BY CLICKING "I DO NOT AGREE" AT THE END OF THIS ARBITRATION AGREEMENT. YOU MAY ALSO REJECT THIS ARBITRATION AGREEMENT BY SENDING LENDER A NOTICE ("REJECTION NOTICE") THAT IS RECEIVED WITHIN THIRTY (30) DAYS AFTER THE DATE OF YOUR APPLICATION. THE REJECTION NOTICE MUST INCLUDE YOUR NAME, ADDRESS, TELEPHONE NUMBER AND THE DATE OF YOUR APPLICATION AND MUST EITHER BE MAILED OR SENT BY MESSENGER SERVICE (SUCH AS FEDERAL EXPRESS) TO LENDER AT 201 E. ABRAM ST., SUITE 120, ARLINGTON, TEXAS IF YOU REJECT ARBITRATION, NEITHER YOU NOR LENDER WILL HAVE THE RIGHT TO REQUIRE ARBITRATION OF SOME OR ALL CLAIMS (AS SUCH TERM IS DEFINED BELOW). REJECTION OF THE ARBITRATION AGREEMENT WILL NOT AFFECT LENDER'S WILLINGNESS TO PROVIDE A LOAN, NOR WILL IT AFFECT THE TERMS OF YOUR LOAN AGREEMENT AND PROMISSORY NOTE WITH LENDER (THE "LOAN AGREEMENT"). ANY REJECTION OF ARBITRATION WILL APPLY ONLY TO THIS ARBITRATION AGREEMENT (AND NOT TO ANY PRIOR OR SUBSEQUENT ARBITRATION AGREEMENT). Coverage and Definitions: This Arbitration Agreement benefits and is binding upon: (1) you and Lender; (2) any company that owns or controls Lender (a "Parent Company"); (3) any company that is controlled by a Parent Company or Lender; (4) any person or company that has or acquires a financial interest or rights under the Loan Agreement; and (5) with respect to any of the foregoing, any heirs, assigns, personal representatives, officers, directors, owners, shareholders, principals, agents, attorneys, lenders, sureties, or insurers. Also, if either you or Lender elect to arbitrate any Claim you bring against Lender, the persons who may benefit by this Arbitration Agreement include any other persons or companies you make a Claim against in the same proceeding. "Claim" means any legal dispute between you, on the one hand, and Lender, on the other hand, that has anything at all to do with: (1) Application for a Loan, this Arbitration Agreement, the Loan Agreement and/or Lender's privacy policy; (2) the servicing or collection of amounts due under the Loan Agreement; or (3) any related advertising, promotion, disclosure or notice. This includes a dispute about whether this Arbitration Agreement is valid or enforceable, about when it applies and/or about whether a dispute is arbitrable. It includes disputes about constitutional provisions, statutes, ordinances, regulations, compliance with contracts and wrongful acts of every type (whether intentional, fraudulent, reckless or negligent). This Arbitration Agreement applies to actions, omissions and events prior to, on or after the date of this Arbitration Agreement. It applies to disputes involving requests for injunctions and/or other equitable relief. However, notwithstanding any language in this Arbitration Agreement to the contrary, the term "Claim" does not include any dispute about the validity, effect or enforceability of the prohibitions against class proceedings, private attorney general proceedings and/or multiple-party proceedings described under the caption "Prohibition Against Certain Proceedings" (the "Class Action Waiver"), and any such dispute shall be resolved by a court and not by an arbitrator or arbitration administrator. Administrator means JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, the American Arbitration Association (the AAA ), 1633 Broadway, 10th Floor, New York, NY 10019, or any other company selected by mutual agreement of the parties. If both JAMS and AAA cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court. You get to select the Administrator if you give the other parties written notice of your selection with your notice that you are electing to arbitrate any Claim or within 20 days after any other party gives you notice that such party is electing to arbitrate any Claim. If you do not select the Administrator on time, Lender will select the administrator. Notwithstanding any language in this Arbitration Agreement to the contrary, no arbitration may be administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or informal policy that purports to override the Class Action Waiver.

10 Important Notice: IF YOU OR LENDER ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM LENDER AND TO APPEAL IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. "Prohibition Against Certain Proceedings:" IF YOU OR LENDER ELECTS TO ARBITRATE A CLAIM: (1) NO PARTY MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NO PARTY MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION. Initiating Arbitration Proceedings: A party asserting a Claim must first comply with the paragraph captioned "Notice and Cure; Special Payment." Additionally, a party electing arbitration must give written notice of an intention to initiate or require arbitration. This notice can be given after the beginning of a lawsuit and can be given in the papers filed in the lawsuit. If such a notice is given, unless prohibited by applicable law, any Claim shall be resolved by arbitration under this Arbitration Agreement and, to the extent consistent with this Arbitration Agreement, the applicable rules of the Administrator that are in effect at the time the Claim is filed with the Administrator. A party who has asserted a Claim in a lawsuit may still elect arbitration with respect to any Claim that is later asserted in the same lawsuit by any other party. The arbitrator will be selected in accordance with the Administrator's rules. However, unless all the parties agree otherwise, the arbitrator must be a lawyer with more than 10 years of experience or a retired judge. Lender promises that they will not elect to arbitrate an individual Claim that you bring in small claims court or an equivalent court. However, Lender may elect to arbitrate a Claim that is transferred, removed or appealed to any different court. Arbitration Location and Costs: Any arbitration hearing that you attend will take place in a reasonably convenient location for you. If you object to the fees charged by the Administrator and/or arbitrator, Lender will consider in good faith any reasonable written request for Lender to bear the fees charged by the Administrator and/or arbitrator. Also, Lender will pay any fees or expenses they are required to pay by law or are required to pay so that a court will enforce this Arbitration Agreement. Each party must pay for that party's own attorneys, experts and witnesses, provided that Lender will pay all such reasonable fees and costs you incur if you are the prevailing party and/or where required by applicable law and/or the Administrator's rules. Applicable Law: You and Lender agree that the Loan Agreement and this Arbitration Agreement involve interstate commerce, and this Arbitration Agreement is governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. 1 et seq. The arbitrator must follow, to the extent applicable: (1) the substantive law related to any Claim; (2) statutes of limitations; and (3) claims of privilege recognized at law. Upon the timely request of any party to an arbitration proceeding, the arbitrator must provide a brief written explanation of the basis for the award. The arbitrator will determine the rules of procedure and evidence to apply, consistent with the arbitration rules of the Administrator and this Arbitration Agreement. In the event of a conflict between this Arbitration Agreement and the rules or policies of the Administrator, this Arbitration Agreement shall govern. The arbitrator will not be bound by federal, state or local rules of procedure and evidence or by state or local laws concerning arbitration proceedings. Getting Information: In addition to the parties' rights to obtain information under the Administrator's rules, any party may submit a written request to the arbitrator seeking more information. A copy of such request must be provided to the other parties. Those parties will then have the chance to object in writing within 30 days. The objection must be sent to the arbitrator and the other parties. The arbitrator will decide the issue in his or her sole discretion within 20 days thereafter. Effect of Arbitration Award: Any court with jurisdiction may enter judgment upon the arbitrator's award. The arbitrator's decision will be final and binding, except for any appeal right under the FAA and except for Claims involving more than $50,000. For these Claims, any party may appeal the award to a three-arbitrator panel appointed pursuant to the Administrator's rules. That panel will reconsider from the start any aspect of the initial award that any party asserts was incorrectly decided. The decision of the panel shall be by majority vote and will be final and binding, except for any appeal right under the FAA. Unless applicable law (or the paragraph captioned "Corrective Action; Survivability and Severability of Terms") requires otherwise, the costs of an appeal to an arbitration panel

11 will be borne by the appealing party, regardless of the outcome of the appeal. However, Lender will consider in good faith any reasonable written request for Lender to bear the cost. Also, Lender will pay any fees or expenses they are required to pay by law or are required to pay so that a court will enforce this Arbitration Agreement. Corrective Action; Survivability and Severability of Terms: A party must be given written notice and a reasonable opportunity of at least 30 days to remedy any circumstance that might preclude arbitration of a Claim. This Arbitration Agreement shall survive: (1) termination or cancellation of the Loan Agreement and/or repayment of the Loan; and (2) the bankruptcy of any party. If any portion of this Arbitration Agreement other than the Class Action Waiver is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. If a determination is made that the Class Action Waiver is unenforceable, only this sentence of the Arbitration Agreement will remain in force and the remaining provisions shall be null and void, provided that the determination concerning the Class Action Waiver shall be subject to appeal. This Arbitration Agreement can only be amended or supplemented by written agreement. Notice and Cure; Special Payment: Prior to initiating litigation or arbitration regarding a Claim, the party asserting the Claim shall give the other party or parties written notice of the Claim (a "Claim Notice") and a reasonable opportunity, not less than 30 days, to cure the Claim. Any Claim Notice to you shall be sent in writing by mail or by to the address you have provided on your Application (or any updated address you have subsequently provided). Any Claim Notice to Lender shall be sent by mail, to Lender at 201 E. Abram St., Suite 120, Arlington, Texas 76010, or by to customerhelp@lgmfinance.com. Any Claim Notice you send must identify yourself and provide your telephone number and address. Any Claim Notice must explain the nature of the Claim and the relief that is demanded. The party giving a Claim Notice must reasonably cooperate in providing any information about the Claim that the other party or parties reasonably request and must give the other party or parties a reasonable opportunity to respond to the demand for relief. If Lender refuses to provide you with the relief demanded in any Claim Notice you send them in accordance with this paragraph and an arbitrator subsequently determines that you were entitled to such relief (or greater relief), the arbitrator shall award you at least $5,100 (not including any arbitration fees and attorneys' fees and costs to which you may be entitled). Intending to be legally bound, Lender has caused this Agreement to be signed on its behalf RCL Finance, Inc. By: Eugene McKenzie, Authorized Representative BY CLICKING I AGREE BELOW, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS OF THE ARBITRATION AGREEMENT ABOVE. IF YOU REJECT THE ARBITRATION AGREEMENT (SEE RIGHT TO REJECT ARBITRATION AGREEMENT ABOVE), CLICK THE I DO NOT AGREE BUTTON. Name on application: JUSTIN RICKMAN I Agree Date of Agreement: 12/31/2012

12 PLEASE REVIEW THE CREDIT SERVICES DISCLOSURE STATEMENT BELOW. CREDIT SERVICES DISCLOSURE STATEMENT DEFINITIONS: In this Credit Services Disclosure Statement ("Disclosure Statement"), "we," "our," "us" and "FSH" mean FSH Credit Services LLC, d/b/a ACE Cash Express, 1231 Greenway Drive, Suite 600, Irving, Texas 75038, (866) , a company registered with the Ohio Department of Commerce, Division of Financial Institutions, as a credit services organization (a "CSO"). "Lender" means RCL Finance, Inc., 201 E. Abram St., Suite 120, Arlington, Texas 76010, (817) Lender is not affiliated with FSH. "You" and "your" mean the individual who is receiving this Disclosure Statement in advance of applying for credit services and a loan. "Credit Services Agreement" means the Agreement that will govern any credit services we provide to you. "Loan" means the loan that Lender may provide to you and "Loan Agreement" means the Loan Agreement and Promissory Note that will govern any Loan that Lender may provide to you. PURPOSE OF THIS DISCLOSURE: Chapter 4712 of the Ohio Revised Code ("Chapter 4712") regulates CSOs. It requires us to provide you with this Disclosure Statement before you execute the Credit Services Agreement or pay any fee or other consideration to us. SERVICES WE PROVIDE: We do not make loans, but instead provide credit services. If you enter into a Credit Services Agreement with us, we would agree to use our best efforts to: (1) arrange a single-payment Loan in an amount from $200 to $1000, a term not to exceed 35 days, an interest rate not to exceed 25%, the maximum interest rate permitted under Ohio law, and a Credit Investigation Fee of $10 on loans that are not refinances; (2) assist you in preparing and completing the information and documents that Lender requires; and (3) issue a guaranty to Lender to secure the repayment of the Loan. While our issuance of a guaranty to Lender is one of the credit services we provide, our performance on the guaranty is a contractual matter between us and the Lender and is not part of the credit services we provide to you. Our credit services will be complete upon issuance and delivery of the guaranty to Lender and you receiving disbursement of the Loan proceeds. CSO FEE: In consideration for the credit services that we will provide you under the Credit Services Agreement, you will agree to pay us a fee (the "CSO Fee") equal to 25% of the Amount Financed of any Loan you accept from Lender. You are requesting a loan of $200.00, so the CSO Fee will be $ The CSO Fee is payable when the credit services are completely provided pursuant to the Credit Services Agreement. It is paid to us and retained by us, not Lender. No CSO Fee will be charged if we are unable to arrange the Loan for you, if you decide not to accept the Loan or you cancel your Credit Services Agreement within three days after you electronically sign it. OTHER CHARGES: You agree to pay us the maximum rate permitted by law on all amounts owed from the date due until paid, including the CSO fee if not paid when due and reimbursement of any amounts we pay under the guaranty. FINANCE CHARGES AND APR: Under the federal Truth-in-Lending Act ("TILA"), the CSO Fee is a Finance Charge and part of the Annual Percentage Rate ("APR") on the Loan, even though the CSO Fee is paid to and retained by us, and not Lender. While the CSO Fee is a Finance Charge and part of the APR under TILA, it is not interest under Ohio law. CAUTION: The credit services we provide and the Loan we are seeking to arrange are NOT intended to meet long-term financial needs. Such credit services and Loan should only be used to meet immediate short-term cash needs. Repeated or frequent use can create serious financial hardships. Before entering into the Credit Services Agreement and/or the Loan Agreement, you should evaluate the costs and benefits of all alternatives, including a loan obtained directly from another lender (without the assistance of a CSO), a loan from family or friends, a credit card cash advance, an advance under an account with overdraft protection or a salary advance. SURETY BOND: We have filed a $50,000 surety bond with the Ohio Department of Commerce, Division of Financial Institutions. The surety bond is issued by Berkley Surety Group, LLC, 412 Mt. Kemble Avenue, Suite 310N, Morristown, New Jersey (the "Surety Company") in favor of any person, and of the state of Ohio for the benefit of any person, injured by any violation of Sections to of the Ohio Revised Code. A person making a claim for a violation of Sections to of the Ohio Revised Code may file suit against the Surety Company and/or against us. The Surety Company is liable only for actual damages and reasonable

13 attorneys fees and court costs, but not for any punitive damages. The aggregate liability of the Surety Company for our violations of Sections to may not exceed the amount of the surety bond. AUTOMATIC REMINDERS: We may use automated telephone dialing, text messaging systems and electronic mail to provide messages to you about payment due dates, missed payments and other important information. The telephone messages are played by a machine automatically when the telephone is answered, whether answered by you or someone else. These messages may also be recorded by your answering machine. You give us your permission to call or send a text message to any telephone number you have given us and to play pre-recorded messages or send text messages with information about your transaction over the phone. You also give us permission to communicate such information to you via electronic mail. You agree that we will not be liable to you for any such calls or electronic communications. You understand that, when you receive such calls or electronic communications, you may incur a charge from the company that provides you with telecommunications, wireless and/or Internet services. You agree that we have no liability for such fees. CREDIT REPORTING PRACTICES RIGHTS OF CONSUMERS UNDER OHIO AND FEDERAL LAW Under the federal Fair Credit Reporting Act, you have all of the following legal rights: You have a right to obtain a copy of your credit report from a consumer reporting agency. You may be charged a reasonable fee. However, there is no fee if you have been turned down within the preceding sixty days for credit, employment, insurance, or a rental dwelling because of information in your credit report. The consumer reporting agency must provide someone to help you interpret the information in your credit file. You have a right to dispute inaccurate information by contacting the consumer reporting agency directly. However, neither you nor any credit services organization has the right to have accurate, current, and verifiable information removed from your consumer reporting agency report. The consumer reporting agency must remove accurate, negative information from your report only if it is more than seven years old. Bankruptcy information can be reported for ten years. Accurate information cannot be permanently removed from the files of a consumer reporting agency. Credit reporting agencies are required to follow reasonable procedures to ensure that creditors report information accurately. However, mistakes may occur. You may, on your own, notify a consumer reporting agency in writing that you dispute the accuracy of information in your credit file. The consumer reporting agency then must reinvestigate and modify or remove inaccurate information. The consumer reporting agency must not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer reporting agency. If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer reporting agency must include your statement about disputed information in any reports it issues about you. Under Ohio law, you have a right to sue a credit services organization that violates the Ohio Credit Services Organization Act. This law prohibits deceptive practices by credit services organizations and gives you a right to cancel your contract for any reason within three business days from the date you signed it. Information About Consumer Reporting Agencies and Your Rights: A Consumer Reporting Agency ( CRA ) is an entity that gathers information about consumers and sells the information to creditors, employers, and other entities. To find a CRA, look in your local telephone listings under credit or credit rating and reporting. Because more than one CRA may have a file on you, call each until you locate each agency that maintains a file about you. Three major national CRAs are: Equifax Experian Trans Union P.O. Box P.O. Box 2104 P.O. Box 1000 Atlanta, GA Allen, TX Chester, PA (800) (888) EXPERIAN ( ) (800)

14 In addition, anyone who takes action against you in response to a report supplied by a CRA, such as denying your application for credit, insurance, or employment, must give you the name, address, and telephone number of the CRA that provided the report. Access to, and Charges for, Your Report: You have the right to review any file on you maintained by any CRA, and you have a right to receive a copy of your report containing all information in your file as provided by the federal Fair Credit Reporting Act, 15 U.S.C., 1681(g) and under the Credit Services Organization Act, Ohio Revised Code If you ask, the CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year, or two years for employment related requests. Under 15 U.S.C. 1681(j) and Ohio Revised Code , there is no charge to review your report if a company takes adverse action against you, such as denying your application for credit, insurance or employment, and you request your report within 60 days of receiving the notice of the action OR within 30 days of the CRA s receipt of such notice. The notice will give you the name, address, and phone number of the CRA. In addition, you are entitled to one free report a year from each of the three major CRAs if (1) you are unemployed and plan to look for a job within 60 days, (2) you are on welfare, or (3) your report is inaccurate because of fraud. Every consumer is entitled to one free credit report a year from each of the three major national CRAs. To receive your free credit reports or for more information, visit Alternatively, you may order your reports by telephone at (877) or by mail addressed to Annual Credit Report Request Service P.O. Box Atlanta, GA For a copy of the mail-in form, go to Lastly, you are entitled to your credit report at a minimal charge not to exceed $10 pursuant to 15 U.S.C., 1681(j). Incomplete or Inaccurate Information: You have the right to dispute the completeness or accuracy of any item on you contained in any file that is maintained by any CRA, as provided under 15 U.S.C., 1681(i) and Ohio Revised Code Both the CRA and the information provider have responsibilities for correcting inaccurate or incomplete information in your report. To protect all your rights under this law, contact both the CRA and the information provider. First, tell the CRA in writing what information you believe is inaccurate. CRAs must reinvestigate the items in question, usually within 30 days, unless they consider your dispute frivolous. They also must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so that they can correct this information in your file. When the reinvestigation is complete, the CRA must give you the written results and a free copy of your report if the dispute results in a change. Second, tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider then reports the item to any CRA, it must include a notice of your dispute. In addition, if the information is inaccurate, the information provider may not use it again. This process may not resolve your dispute. If that is the case, ask the CRA to include your statement of the dispute in your file and in future reports. If you request, the CRA also will provide your statement to anyone who received a copy of the old report in the recent past. There usually is a fee for this service. If you tell the information provider that you dispute an item, a notice of your dispute must be included anytime the information provider reports the item to a CRA. However, accurate information contained in a report cannot be permanently removed. For more information, visit Access to Your Report: Only people with a legitimate business need, as recognized by the FCRA, may obtain your report. For example, a company is allowed to get your report if you apply for credit, insurance, employment, or to rent an apartment. A CRA may not supply information about you to your employer, or to a prospective employer, without your consent. Access to Medical Information: Creditors, employers, or insurers must have your authorization to get a report that contains medical information about you. When Reports Become Obsolete: Most information contained in your report expires in seven years, although accurately reported information may not be permanently removed from the file of a CRA. Exceptions to this rule include information about criminal convictions (no time limit); bankruptcy information (ten years); information reported in response to an application for a job with a salary of more than $75,000 (no time limit); information reported because of an application for more than $150,000 worth of credit or life insurance (no time limit); information about a lawsuit or an unpaid judgment against you (longer of seven years or until the statute of limitations expires). A CRA may not issue a report containing obsolete information.