2013-12 AMENDING ZONING ORDINANCE - CONSUMER CREDIT SERVICES AND PAWNBROKER

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ADVANCE CUSTOMER AGREEMENT Ja DATE ISSUED 12/27/20112 15:41:07 H V^A N' C E LOAN ID# 810741 CUSTOMER COMMENT LINE. 1-800-916-6519 TRANSACTION AUTHO RATION # 809747 LENDER: Advance America, Cash Advance Centers of Illinois, Inc. d/b/a Iso WER: Advance America, Cash Advance Centers 2605 N Water n Decatur, Illinois 62526 Decatur, Illinois Phone: (217)875-3600 Fax: (217)875-'6896 Phone: (217 Customer The Parties. This agreement is betwee ("you", "your") and Advance America Cash Advance Centers of Illinois Inc. ("Advance America", "we", "us"). *,.. ago Your Loan.. We agree to loan you .$200.00. For that loan, we will charge you (1) a verification fee of $1.00 to be imposed I we use the consumer reporting database to verify your loan eligibility; and (2) simple interest at the rate of on unpaid principal balances, computed on the actual days elapsed, and based upon a 36 da 39�°7o annually this center in person on or before each pay P 36E-day Year. You agree payment return l' below. All payments_under this agreement omust be made n cash or by�money norde r or cashier's according tocr eck.the If any sc edulec payment is due on a day that our office is closed, we will .consider that payment to be on imefor all purposes,. including the computation of interest, if we receive it by the time our office closes on the next business ay. We will apply your payments first to accrued and unpaid interest and then to principal. As security for this loan, you are providing to us 4 personal checks in a total amount of$ which of your loan plus the interest thatch is the rin you will owe if you repay your loan as provided P clpal amount hold our ch P ed in the a Y checks without r payment ent schedule bel processing them for collection unless you are in def below'- We agree tc section below. You are also default as provide in the Default and Acceleration" o giving us a separate wage assignment, which we may use as described in the "Wa a Assignment" section below. t Federal Truth-In-Lending Act Disclosures. �� /ZQ ANNUAL PERCENTAGE FINANCE CHARGE RATE FAt Financed Total of Payments The cost:of Yoiur credit,' Tli@..t�ipll�r::amoidht theunt of credit The amount you will have as a-yearly rate. credit'will.cdA,you: you or on your paid after you have made behalf. all payments as scheduled. 398.05014 $191.14 $200.00 $391.14 Payment y t Schedule. Number of, Amount of When Payments Are Number of Amo n Pa ments Pa menta t of When Payments Are Due Payments Pa ents Due 1 49.77 01 -18/2013 2 4 .77 3 48.77 02 15 2013 q 02/0=.;2013 5 4 .77 03/01/2013 48.77 0315 2013 6 4 .77 03129/2013 7 $48.77 04/12/2013 1 4 .75 04/26/2013 Security. Your checks and wage assignment are security for this loan. Prepayment. If you pay off early, you will not have to pay a penalty, and you will be entitled to a rebate of the finance charge. See the terms below and on Page 2 of this agreement for additional information about nonpayment, default, and lack of prepayment penalties. Itemization of Amount Financed: Amount given to you directly: $ 200.00. Right to Cancel. You may cancel this loan and avoid paying any interest by returning ei her the loan proceeds check we nave you or the loan amount in cash, money order, or cashier's check before our office closes on 12/29/2012. Prepayment. You may make a partial payment or pay off your loan in full at any time ithout any additional charge or penalty. If you prepay in whole or in part, you will be entitled to a rebate of part of the flnanc7 charge. Default and Acceleration. You will be in default if:.(1) you fail to pay the full amount duE by the close of regular business lours on two consecutive due dates;(2) you fall to pay the full amount due by the close of regular business hours on the final Jue date; or (3) any check we present is returned unpaid by your bank. If you default, we may, without further notice, Jeclare the entire amount you owe under this agreement to be immediately due and deposil the checks that we are holding. Ne will not charge you interest after default. and we may not rnmmanra . i---f