Kimberly Dove Durdin: Integrity Texas Funding LP

KIMBERLY DOVE DURDIN
Customer Name: _________________________________________

Date: _______________________
12 Jun 2020
_____________________________________________________
SCIL TEXAS, LLC DBA WWW.SPEEDYCASH.COM
WAIVER OF JURY TRIAL AND ARBITRATION AGREEMENT
THE TERMS AND CONDITIONS OF THIS WAIVER OF JURY TRIAL AND ARBITRATION AGREEMENT ("AGREEMENT") ARE IMPORTANT.
PLEASE READ THE ENTIRE AGREEMENT.
In this Agreement, the words "you” and "your” mean the person that is identified after the heading, "Customer" above. The words ”we," "us” and "our" means
____________________________________________________________________________________________________________________________
SCIL TEXAS, LLC DBA WWW.SPEEDYCASH.COM (“CAB”).
The word “Lender” shall mean ______________________________________________________________________________________
INTEGRITY TEXAS FUNDING LP the third party lender,
who may or may not extend credit to you as a result of this transaction.
Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes;
and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some
evidence to the arbitrator. Pre-hearing arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will
issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. THEREFORE,
IN CONSIDERATION OF OUR MUTUAL PROMISES CONTAINED HEREIN, AND IN ORDER TO INDUCE US TO CONSIDER YOUR APPLICATION FOR
CREDIT SERVICES, YOU ACKNOWLEDGE AND AGREE WITH US AS FOLLOWS:
1. For purposes of this Agreement, the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation: (a) all claims,
disputes, or controversies arising from or relating directly or indirectly to: (i) the Disclosure Statement issued to you in connection with this transaction, (ii) the
Application for Credit Services which you will provide to us in connection with this transaction, (iii) the Credit Services Agreement, if any, which will be entered into
between you and us if your Application for Credit Services is accepted by us, and (iv) your request that the Lender provide you with an extension of credit and the
Promissory Note (called “Single Lump Sum Payment Promissory Note”, “Promissory Note” Single Lump Sum Payment Promissory Note and Security Agreement” or
“Promissory Note and Security Agreement”, if any, to be entered into between you and the Lender should we be successful in assisting you to obtain an extension of
credit from the Lender; (b) all claims, disputes, or controversies arising from or relating directly or indirectly to this Agreement, the signing of this Agreement and/or
the validity and scope of this Agreement and any claim or attempt to set aside this Agreement; (c) all federal or state law claims, disputes or controversies arising
from or relating directly or indirectly to the transactions contemplated in connection with your request for credit services and/or assistance in obtaining an extension
of credit , as well as any of the documents referenced above; (d) the information which you provided or that we otherwise collected in connection with your request
for credit services and/or assistance in obtaining an extension of credit; (e) all claims, disputes, or controversies arising from or relating directly or indirectly, in whole
or in part, to any agreement(s) and/or transaction(s) between you on the one hand and us or the Lender, on the other, including without limitation all such past and
subsequent agreement(s) and/or transaction(s), if any; (f) all counterclaims; (g) all common law claims between you, us and/or the Lender including without
limitation, those based upon contract, tort, negligence, fraud or other intentional torts; (h) all claims which are based upon an alleged violation of any state or federal
constitution, statute or regulation; (i) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (j) all
claims asserted by you individually against us, and/or any of our employees, directors, officers, shareholders, partners, governors, managers, members, parent
company or affiliated entities (hereinafter collectively referred to as “related third parties”), including claims for money damages and/or the right to equitable or
injunctive relief; (k) all claims asserted by you individually against the Lender, and/or any of its related third parties, arising in connection with our provision of credit
services to you, including claims for money damages and/or the right to equitable or injunctive relief; (l) all claims asserted on your behalf by another person related
to your transactions with us for credit services and/or with the Lender for an extension of credit ; and/or (m) all claims arising from or relating directly or indirectly to
the disclosure or use by us, the Lender, or our respective related third parties of any non-public personal information about you.
2. By SIGNING BELOW, EACH PARTY TO THIS AGREEMENT ACKNOWLEDGES AND AGREES TO:
(a) GIVE UP THE RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST THE OTHER PARTY AND/OR ITS RELATED
THIRD PARTIES;
(b) GIVE UP THE RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST THE
OTHER PARTY AND/OR ITS RELATED THIRD PARTIES; and
(c) GIVE UP THE RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE
CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST THE OTHER PARTY AND OR
ITS RELATED THIRD PARTIES.
3. Except as provided in Paragraph 6 below or as otherwise required by law, all disputes shall be resolved confidentially by binding arbitration only on an individual
basis with you. Even though the Lender is an express third party beneficiary of this Agreement, claims between you and the Lender may not be consolidated with
claims between you and us, without our written consent, which may be withheld for any or no reason. ADDITIONALLY, THE ARBITRATOR SHALL NOT
CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU OR US TO SERVE AS A REPRESENTATIVE, AS A PRIVATE
ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. DISPUTE(S) BETWEEN YOU AND US
MAY NOT BE CONSOLIDATED WITH DISPUTE(S) BETWEEN YOU OR US AND ANY OTHER(S) FOR ANY PURPOSE(S). IN THE EVENT THAT A COURT OR
ARBITRATOR WITH AUTHORITY TO ENFORCE THIS AGREEMENT DETERMINES THAT THE FORGOING PROVISIONS OF THIS PARAGRAPH
(PROHIBITING CONSOLIDATED OR CLASS ARBITRATION) ARE UNENFORCEABLE, SUCH PROVISIONS MAY NOT BE SEVERED FROM THIS
AGREEMENT WITHOUT INVALIDATING THE REMAINDER OF SAID AGREEMENT.
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4. Any party to a dispute, including related third parties, shall send the other party written notice of intent to arbitrate, setting forth the subject of the dispute along
with the relief requested, by certified mail, return receipt requested, even if a lawsuit has been filed. Your notice must be sent to:
__________________________________________________________________________________________________________________.
3611 N. RIDGE ROAD WICHITA, KS 67205 Regardless of who
demands arbitration, you shall have the right to select any of the following arbitration organizations to administer the arbitration: the American Arbitration Association
(1-800-778-7879) http://www.adr.org, in accordance with its Commercial Dispute Resolution Procedures and the Consumer-Related Disputes Supplementary
Procedures; or Judicial Arbitration and Mediation Services, Inc. (“JAMS”) (949-224-1810) http.www.jamsadr.com, in accordance with its Streamlined Arbitration
Rules & Procedures. However, the parties may agree to select a local arbitrator who is an attorney, retired judge, or arbitrator registered and in good standing with
an arbitration association and arbitrate pursuant to such arbitrator’s rules. The party receiving notice of arbitration will respond in writing by certified mail return
receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether
you desire to select a local arbitrator. If you chose to select a local arbitrator but we cannot agree on a local arbitrator, you shall be required to select one of the
arbitration organizations listed above. If we demand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your
selection of an arbitration organization or your desire to select a local arbitrator. If you fail to provide notice of your selection to us, then we shall have the right to
select an arbitration organization. The parties agree to be governed by the rules and procedures of such arbitration organization applicable to consumer disputes to
the extent those rules and procedures do not contradict the express terms of this Agreement, including the limitations on the arbitrator herein. You may obtain a
copy of the rules and procedures by contacting the arbitration organizations listed above.
This Agreement may contain limitations of certain forms and amounts of damages that are recoverable in any arbitration or trial, and limitations related to the time
periods within which each party must act to preserve its rights to proceed with a claim. Also, this agreement contains requirements for the payment of fees and
costs associated with arbitration. To the extent any of these limitations or requirements are found to be in conflict with a mandatory provision of applicable law, the
conflicting limitation or requirement shall be modified automatically to comply with the mandatory provision of law, without affecting the validity or enforceability of
any other provision in this Agreement, and without affecting the validity or enforceability of the limitations or requirement in any other jurisdiction.
In the event that a court or arbitrator with authority to enforce this Agreement determines that any specific term or provision contained in this Agreement is
unenforceable, such term or provision may be severed from this Agreement without invalidating the remainder of the Agreement; provided, however, that the issue
of severability related to consolidations and/or class actions shall be handled as described in paragraph 7 in this Agreement.
5. Regardless of who demands arbitration, at your request we will advance your portion of the arbitration expenses, including the filing, administrative, hearing and
arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorneys' fees and expenses, such as witness and expert
witness fees. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act ("FAA”) and applicable statutes of limitation, and shall
honor claims of privilege recognized at law. The arbitration hearing will be conducted in the county of your residence, or within 30 miles from such county, or in the
county in which the transactions for credit services by us and/or the extension of credit by the Lender contemplated in connection with this Agreement occurred, or
in such other place as shall be ordered by the arbitrator. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to
dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration proceeding, the arbitrator shall not apply any federal or state rules
of civil procedure or evidence. If the arbitrator renders a decision or an award in your favor resolving the dispute, then you will not be responsible for reimbursing us
for your portion of the Arbitration Fees, and we will reimburse you for any Arbitration Fees you have previously paid. If the arbitrator does not render a decision or an
award in your favor resolving the dispute, or if you dismiss any arbitration initiated by you before the arbitrator renders a decision, then the arbitrator shall require
you to reimburse us for the Arbitration Fees we have advanced, not to exceed the amount which could have been assessed as court costs if the dispute had been
resolved by a state court with jurisdiction, less any Arbitration Fees you have previously paid. The arbitrator's award may be enforced in any court having jurisdiction.
6. All parties and/or related third parties shall retain the right to seek adjudication in a small claims tribunal for disputes within the scope of such tribunal's
jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be resolved by binding arbitration. Any appeal of a
judgment from a small claims tribunal shall be resolved by binding arbitration. Furthermore, for extensions of consumer credit secured by motor vehicle title and/or
motor vehicle collateral, nothing in this Arbitration Provision shall limit the right of you, us or Lender (a) to foreclose against the motor vehicle collateral by the
exercise of any power under this Agreement, the Credit Services Agreement, Promissory Note, Disclosure Statement or under applicable law; (b) to exercise self-
help remedies such as set off or repossession; or (c) to obtain provisional or ancillary remedies such as pre-judgment seizure of property, detinue or replevin, which
does not claim money damages from a court having jurisdiction. The institution and maintenance by you, us or the Lender of any action set forth in this Paragraph 6
shall not constitute a waiver of the right to submit any dispute to arbitration, including any counterclaim asserted.
7. Each party agrees that all disputes between the parties to this Agreement shall be arbitrated on an individual basis. This requirement is for the protection of the
privacy and confidentiality interests of the parties, and for the efficient resolution of specific disputes. This provision means that the parties are prohibited from
combining, consolidating or joining any claim they may have against one another with those of any other individual, or from representing or joining a class of
claimants, or from acting as a private attorney general on behalf of other claimants in any arbitration, and that an arbitrator is prohibited from creating or maintaining
such an action.
In the event this section 7, or any part of it, is found by an arbitrator and/or a court of law to be unenforceable, and a consolidation, joinder of claims, class action,
and or any other representative action is created in an arbitration proceeding, both parties agree that this provision is so material to the agreement to arbitrate that it
may not be severed from this agreement without invalidating the remainder of this Agreement. In that event, such a consolidation and/or class action proceeding
shall not be arbitrated, but shall be heard in a court of law in a state or federal court of competent personal and subject matter jurisdiction. The parties reserve the
right and shall be permitted to maintain any and all legal challenges (and all appeals, if any, relating thereto) to the decision of any arbitrator and/or court of law to
disregard this section 7 by combining, consolidating or joining claims or allowing any person or persons to represent or join a class of claimants, or to act as a
private attorney general on behalf of other claimants in any arbitration.
8. The parties acknowledge that this Agreement is made pursuant to a transaction involving interstate commerce. Therefore, the parties agree that the
enforceability and interpretation of this Agreement shall be governed, in the first instance, by the Federal Arbitration Act (“FAA”). To the extent that the FAA does not
TXIXE8920161227
apply to this Agreement, in whole or in part, then this Agreement shall be governed, to the extent the FAA is found not to apply, by the law of the State of Texas,
including the Texas Arbitration Act.
9. This Agreement is binding upon and benefits you, us, the Lender, and our respective heirs, successors, assigns and related third parties. The Agreement shall
continue in full force and effect, even if any party’s obligations have been paid or discharged through bankruptcy. This Agreement shall survive any termination,
amendment, expiration or performance of any transaction between any of the parties and shall continue in full force and effect unless otherwise agreed in writing by
the parties.
10. OPT OUT PROCESS. You may choose to opt-out of and not be subject to this Agreement, but only by following the process set forth below. If you do not wish
to be subject to this Agreement, then you must notify the CAB in writing at: ____________________________________________________________________,
Attn: Arbitration Opt-Out, __________________________________________________________________________________________________________.
3611 N. RIDGE ROAD WICHITA, KS 67205
Your notice opting out must be post-marked no later than forty-five (45) days after the date you signed this Agreement in order to be effective. If you opt out of this
Agreement, only this Agreement will be affected, and no other agreement or transaction will be affected. Your notice to opt-out will only apply to this particular
transaction with us and not to subsequent or previous transactions; a separate opt-out notice is required for each transaction on which you wish to opt-out of this
Agreement.
BY SIGNING BELOW, YOU ACKNOWLEDGE THAT YOU: (1) HAVE PREVIOUSLY ACKNOWLEDGED RECEIPT OF THE DISCLOSURE STATEMENT, AND
HAVE READ, AND UNDERSTOOD ALL OF ITS TERMS BEFORE SIGNING THIS BINDING ARBITRATION AGREEMENT AND (2) HAVE READ AND
UNDERSTOOD, AND HEREBY AGREE TO ALL OF THE TERMS OF THIS AGREEMENT.
/s/___________________________________________
Customer Signature
TXIXE8920161227
SPEEDY CASH
CREDIT ACCESS SERVICES AGREEMENT
Date: 12 Jun 2020
SPEEDY CASH Transaction No.

SCIL TEXAS, LLC DBA WWW.SPEEDYCASH.COM 43027977
____________________________________
3611 N. RIDGE ROAD
WICHITA, KS 67205
Customer KIMBERLY DOVE DURDIN
_____________________________________
TEL: Address
(888) 333-1360 1101 WILLIAM ST
___________________________________________
GEORGE WEST TX 78022
City, ST, Zip________________________________________
TEL: (830) 832-1921
___________________________________________
Date: 12 Jun 2020
___________________________________________
THE TERMS AND CONDITIONS OF THIS CREDIT SERVICES AGREEMENT ("AGREEMENT") ARE IMPORTANT.
PLEASE READ THE ENTIRE AGREEMENT.
In this Credit Access Services Agreement (“Agreement”), the words "Customer," "Buyer," "you" and "your" mean the person or persons
identified under the heading "Customer" above. The words "Seller," "we," "us," and "our" mean
__________________________________________________, a registered Texas Credit Access Services organization (“CSO”)
licensed as a credit access business (“CAB”) operating pursuant to Chapter 393 of the Texas Finance Code ("Chapter 393"),and under
the regulatory authority of the Office of the Consumer Credit Commissioner located at 2601 N. Lamar Blvd., Austin, TX 78705 whose
Consumer Helpline is (800) 538-1579; facsimile, (512) 936-7610; email address is consumer.complaints@occc.texas.gov and website
INTEGRITY TEXAS FUNDING LP
address is www.occc.texas.gov. The word “Lender” means ____________________________________________________________,
the company that will be providing the extension of consumer credit.
DESCRIPTION OF OUR SERVICES: We are not a lender or a credit repair organization. We will not improve your credit record,
credit history or credit rating, nor will we provide any advice or assistance to you with regard to any such activity. For the fee set forth
below, we will attempt to: (1) obtain an extension of consumer credit (the “Loan”) from Lender in the amount and for the term set forth
below with a contract rate of interest of not more than ten percent (10%) per annum beginning after you receive statutory disclosures;
(2) guaranty the Loan made by the Lender; (3) assist you in preparing and completing documents necessary to obtain the Loan; (4) if
you receive a Loan, cash your Lender direct draft, if any, received from the Lender; and (5) collect and service the Loan and remit
payments to the Lender. We do not promise that you will actually receive a Loan. All credit decisions will be made by Lender. The
estimated period for performing these services will not exceed 180 days. All amounts that you receive from the Lender pursuant to this
Agreement will be paid with a two-party draft (“Lender Direct Draft”), which we will cash for you at no additional cost.
YOU WILL NOT OWE US ANY FEE IF YOUR LOAN APPLICATION IS DENIED OR YOU CHOOSE NOT TO ACCEPT
ANY LOAN THAT IS APPROVED FOR YOU. YOU HAVE BEEN ADVISED THAT THE LOAN AND SERVICES WE
PROVIDE MAY NOT BE AT THE LOWEST RATES OR ON THE BEST TERMS AVAILABLE. AN ADVANCE OF MONEY
OBTAINED THROUGH A PAYDAY LOAN OR AUTO TITLE LOAN IS NOT INTENDED TO MEET LONG-TERM
FINANCIAL NEEDS. A PAYDAY LOAN OR AUTO TITLE LOAN SHOULD ONLY BE USED TO MEET IMMEDIATE
SHORT-TERM CASH NEEDS. REFINANCING THE LOAN RATHER THAN PAYING THE DEBT IN FULL WHEN DUE
WILL REQUIRE THE PAYMENT OF ADDITIONAL CHARGES. YOU SHOULD CONSIDER OTHER OPTIONS
AVAILABLE TO YOU.
PAYMENT TERMS / OUR FEES: If you qualify for a loan under the Lender’s underwriting criteria, we will charge you fees based
upon the amount and term of your Loan provided to you by the Lender. You will be required to make payments periodically, and each
payment will consist of fees charged by us (“CAB Fees”), as well as interest and principal charged by the Lender. The maturity date of
your Loan is based on your pay period cycle and the origination date of your loan.
TXIME1320161223 Page 1
672.00% per annum of the outstanding principal amount on the Loan. The CAB Fees are not
The CAB Fees are calculated at _____________
due at the origination date of the Loan, and are not deferred. The CAB Fees are only due and owing at the daily accrued rate during the
applicable period when we perform our services and as long as your Loan remains outstanding.
Your payments of CAB Fees to CAB, plus principal and interest to Lender, will be payable every two weeks, semi—monthly, or monthly
$1,628.60
depending on your pay period cycle. In the aggregate, your total CAB Fees will be _____________. These CAB Fees will be payable
in installments, along with principal and interest charged by the Lender, in the schedule set forth below. Note that the CAB Fee payments
will also be included in your Payment Schedule identified in your Truth in Lending Disclosures in your Promissory Note with Lender.
However, there is no prepayment penalty with respect to your Loan or your obligations in this Agreement. Prepayments will
reduce your interest charges and CAB Fees. Accordingly, your CAB Fee may be lower if you pay off your Loan early. You can
make prepayments at the location where you obtained your Loan. Moreover, your obligation to make further CAB Fee
payments and our obligation to provide additional CAB services will terminate immediately following full payment of your
Loan.
DISCLOSURE OF FEE AS FINANCE CHARGE: Although the CAB Fee that we charge you is not interest, the Federal Truth in
Lending Act requires that it be included in the finance charge calculation by the Lender for your Loan. In general, the amount of your
finance charge will depend upon several factors, including the amount of credit that the Lender extends to you, the amount of the CAB
Fee, the interest rate charged by the Lender and the term of the Loan. We take no responsibility for calculating the finance charge in the
Lender’s Loan; rather, the Lender will disclose the precise amount of the finance charge.
$750.00
On your Loan made today in the principal amount of ___________, you will owe the lender this principal amount plus interest of 10%
$24.23 $1,628.60
per annum charged by the lender in the amount of ___________. As provided above, the total CAB Fees paid to CAB are ____________.
13 12 $184.87
The principal amount, interest and CAB Fees will be paid in ____ periodic installments: ____ periodic payments of ____________ are
Every Other Friday, beginning 19 Jun 2020
due _____________________________________________________________ $184.39
and a final payment of ___________ due on
04 Dec 2020
___________________. 680.121%
The Annual Percentage Rate of the Finance Charge, as calculated by lender, will be ____________. Therefore,
$2,402.83
if you timely repay your Loan on its maturity date, (1) the total of payments will be _____________; and (2) the amount of credit
$750.00
extended to you by the lender will be ____________. If you pay your CAB Fee early, you will not be entitled to a refund; however,
there will not be a penalty for prepayment.
GUARANTY AND OBLIGATION TO REIMBURSE: You request us to guarantee your obligations to the Lender, as obligee,
including with respect to the payment of the amount financed, interest, returned item fee, and late fee, as applicable, on the Loan that
we arrange for you pursuant to this Agreement. Our payment on the guaranty to the Lender is conditioned upon a default under the
Loan continuing at least 10 days from its maturity date, but not later than 180 days after the origination date of the Loan. You agree to
pay us any amounts paid by us to the Lender pursuant to the guaranty, immediately upon our performance under the guaranty.
Should you be unable to pay off the Loan upon maturity, you may be eligible to refinance the Loan with the Lender. However, in order
for us to assist you in refinancing the Loan, you will be required to enter into another credit services agreement with us, and pay us an
additional CAB Fee. If you timely exercise your right to cancel this Agreement, our guaranty shall be automatically revoked and shall
have no further effect.
____________________________________________________________________________________________________________
NOTE THAT A PERSON MAY NOT THREATEN OR PURSUE CRIMINAL CHARGES AGAINST A CONSUMER RELATED
TO A CHECK OR OTHER DEBIT AUTHORIZATION PROVIDED BY THE CONSUMER AS SECURITY FOR A TRANSACTION
IN THE ABSENCE OF FORGERY, FRAUD, THEFT, OR OTHER CRIMINAL CONDUCT.
____________________________________________________________________________________________________________
METHODS OF PAYMENT: You promise to pay us or to our order, on the Payment Dates set forth above, the CAB Fees set forth
above. You promise to pay us or to our order via cash or, if authorized, via debit card or an automated clearing house (“ACH”) charge
from your Bank Account or Card (as those terms are defined in the Optional Loan Payment Authorization). All payments will be applied
in the following order: (i) uncollected CAB Fees and expenses, (ii) late fees, if applicable, (iii) returned item fee(s), if any, (iv) principal,
then (v) interest. You have the right to make payments in any amount in advance at any time without penalty.
Voluntary Authorizations (FOR REPAYMENT ONLY): If you sign the accompanying Optional Loan Payment Authorization, you
voluntarily authorize and direct us to process your payments to us and Lender, and to deduct from your payments the CAB Fees as set
out in the payment schedule of your Promissory Note with Lender, as Electronic Fund Transfers.
Optional ACH Credit Authorization (FOR RECEIPT OF LOAN PROCEEDS ONLY): By signing this Agreement, you are
electing to receive the cash proceeds of your Loan from Lender via direct deposit. You hereby voluntarily authorize and instruct us (or
our successors, assigns or service providers) to initiate an ACH credit to the deposit account specified in your Loan application for the
amount itemized in your Promissory Note with Lender as the “amount paid directly to you” on or after the date of this Agreement. If
there is any missing or erroneous information regarding your deposit account, your bank, bank routing number, transit number, or
account number, then you authorize us to verify and correct such information. This credit authorization for receipt of loan proceeds
does not apply to any voluntary authorizations for loan repayment under the Optional Loan Payment Authorization that you
may elect to sign. Or, if you so elected during the application process, you can pick up your funds in cash from the nearest Speedy
Cash store. Check speedycash.com for the location and operating hours of the store closest to you.
CUSTOMER’S REPRESENTATIONS AND WARRANTIES: You represent and warrant that: (1) you have the right to enter into
this Agreement; (2) you are not a debtor under any proceeding in bankruptcy, have not consulted a bankruptcy attorney within the past
six (6) months and have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code; (3) you are at
least eighteen (18) years of age; and (4) the information in the Application is current, true, correct, and complete, including, without
limitation, your representation that you are not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast
Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, or a dependent of such a member.
You understand that we and the Lender are relying upon that information.
DEFAULT: You will be in default if any of the following happens: (1) you fail to pay us any amount that you owe us when due or fail
to perform your promises under this Agreement; (2) any representation or statement made or furnished by you or on your behalf is false
or misleading in any material respect either now or at the time made or furnished; (3) you die or become insolvent, or any proceeding is
commenced either by or against you under any bankruptcy or insolvency laws; or (4) you fail to maintain your depository account in
good standing and in active status or fail to maintain the required amount of funds in your account to pay our ACH OR Card debit, if
applicable.
CAB’S RIGHTS IN THE EVENT OF DEFAULT: Upon the occurrence of any default, CAB may at its option, and without notice
or demand except as required by law, do any one or more of the following, to the extent permitted by law: (1) treat the whole outstanding
balance (amounts paid on the guaranty plus any unpaid portion of CAB Fees), due and payable under this Agreement immediately and
proceed to collect it; (2) make payment under the guaranty and seek repayment from you of all resulting amounts you owe; (3) seek to
collect all other amounts due and unpaid under this Agreement; (4) acquire the Promissory Note (“Note”) from Lender and exercise
Lender’s rights under the Note; (5) initiate legal or arbitration proceedings against you in accordance with applicable law and the terms
of the Waiver of Jury Trial and Arbitration Agreement between you and us (the “Arbitration Agreement”); (6) to the extent permitted
by law, recover from you reasonable attorneys’ fees, legal expenses, and all other lawfully permitted costs incurred or paid in exercising
any right, power or remedy provided by this Agreement or by law; (7) offset (deduct) all sums that you owe to us (including without
limitation, the CAB Fee) from any amounts which are otherwise owed by us to you; and/or (8) exercise all other rights, powers and
remedies given by law. Note that we must comply with Chapter 392 of the Texas Finance Code (regarding debt collection) and the
federal Fair Debt Collection Practices Act (15 U.S.C. Section 1692 et seq.) with respect to this transaction.
COLLECTION EXPENSES: You agree to pay our reasonable attorneys’ fees if this Agreement is referred to an attorney for
collection, regardless of whether legal proceedings are actually filed, and all costs and disbursements.
OFFSET: You agree that by law and this Agreement we or our agents may offset (deduct) any sums owed to us from any checks
presented to us or our agents now or in the future for cashing. The amount owed to us includes amounts due for any legitimate reason
including, but not limited to, returned checks, return check charges, amounts paid by us as a result of defaulted Loans or additional
collection costs that you have incurred with us, our agents or an affiliate of either.
COMPLIANCE: You and we agree that our rights are limited by applicable law (to the extent the law may not be lawfully waived),
and this Agreement shall be construed so as to comply with applicable law. Notwithstanding any provision of this Agreement to the
contrary, we agree that our rights may not be exercised except to the extent permitted by applicable law. No part of this Agreement, nor
any charge or receipt by us or any other person on our behalf, is intended to violate any law or exceed lawful amounts. If an unlawful
excess occurs, it will be applied as a credit or otherwise refunded, and the rate or amount involved will automatically be reduced to the
maximum lawful rate or amount.
INTERSTATE COMMERCE: You agree that this Agreement involves interstate commerce.
ASSIGNMENT: We may transfer any of our rights, titles and interests under this Agreement at our discretion. You may not transfer
your rights under this Agreement without our prior written consent.
NOTICES AND WAIVERS: You agree to provide us and Lender, at CAB’s Address, written notice of any bankruptcy, probate,
lawsuit, arbitration, or other legal proceeding affecting the Credit Access Services Agreement or the Note. Any notice we are required
to provide under this Agreement or applicable law may be sent to you at the address provided in your Application by regular mail or
any other reasonable method. Except for notices provided in this Agreement, you, and others responsible to the extent permitted
by law, waive demand, notice of nonpayment, notice of intention to accelerate, notice of acceleration, presentment, and notice
of dishonor. To the extent permitted by law, you, and others responsible, also agree: we may waive or delay enforcing our rights
without losing them; we may release or modify any person’s liability without changing the liability of others; we and Lender
may sue or arbitrate with one or more persons without joining or suing others; and we and Lender may renew, extend, refinance,
or modify the obligations owed to us and Lender under this Agreement and the Note as often and for so long as we or Lender
desire without notice to or approval by to any co-owner or others responsible.
NOTICE AND CURE: Prior to either you or us initiating litigation or an arbitration against the other party regarding a legal dispute
or claim relating in any way to this Agreement, the Borrower’s application for credit services or the Loan, the party asserting the claim
(“Claimant”) shall give the other party written notice of the claim and the relief requested and a reasonable opportunity of not less than
thirty (30) days to cure the claim. Any claim notice to you shall be sent in writing by mail or other reasonable means to the address you
have provided in your Application (or any updated address you have subsequently provided). A collection notice or letter may constitute
a claim notice if it otherwise meets the requirements of this paragraph. Any notice to us must be sent by certified mail, return receipt
requested, to CAB, 3527 North Ridge Road, Wichita, KS 67205. We will reimburse you for the cost of the certified mail. Provided,
however, this notice requirement does not apply to any actions to preserve or protect any collateral (e.g., seeking a writ of
sequestration/possession, etc.), if applicable. Any corrective action shall relieve the recipient of the claim notice of any liability to the
extent permitted by law.
MISCELLANEOUS: Our principal place of business is 3527 North Ridge Road, Wichita, Kansas 67205. Our agent in Texas
authorized to receive service of process is: National Registered Agents, Inc., 1021 Main St, Suite 1150, Houston, Texas 77002. Our
phone number at CAB Call Center is (888) 333-1360.
MEMBERS OF THE MILITARY AND THEIR DEPENDENTS: We must comply, to the extent applicable, with 10 U.S.C. § 987
and any regulations adopted under that law (relating to certain Loans to covered members of the armed forces and their dependents)
with respect to the extension of consumer credit (Loan) described by Section 393.602 of the Texas Finance Code.
OFFICE OF THE CONSUMER CREDIT COMMISSIONER: This business is licensed and examined under Texas law by the
Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the
business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar
Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax (512) 936-7610. Website: occc.texas.gov. Email:
consumer.complaints@occc.texas.gov.
CREDIT INFORMATION AND REPORTING: You agree that we may make inquiries concerning your credit history and standing
and obtain credit reports on you for as long as any Loan remains outstanding. If you believe that any information about your Loan that
we have furnished to a consumer reporting agency is inaccurate, or if you believe that you have been the victim of identity theft in
connection with any Loan, write to the Lender c/o the CAB at P.O. Box 780408, attention Legal Department, Wichita, KS 67278. In
your letter: (1) provide your name and Loan number; (2) identify the specific information that is being disputed; (3) explain the basis
for the dispute; and (4) provide any supporting documentation you have that substantiates the basis of the dispute. If you believe that
you have been the victim of identity theft, submit an identity theft affidavit or identity theft report.
Notice of Furnishing Negative Information: We may report information about your account to credit bureaus. Late payments, missed
payments or other defaults on your account may be reflected in your credit report.
GOVERNING LAW: This Agreement will be governed by the laws of the State of Texas.
AGREEMENT CONSTRUCTION: If any provision of this Agreement is determined to be invalid or unenforceable, such provision
shall be reformed if practicable so as to achieve its intended purpose(s) and shall not in any way affect the remaining provisions.
AUTHORIZATION FOR AUTODIALED CALLS, TEXT MESSAGES, PRERECORDED MESSAGES AND EMAILS: You
authorize us and our agents, representatives and servicers (collectively, the “Messaging Parties”) to contact you using automatic
telephone dialing systems, artificial or prerecorded voice message systems, text messaging systems and automated email systems in
order to provide you with information about this Agreement, including information about upcoming payment due dates, missed
payments and returned payments. You authorize the Messaging Parties to make such contacts using any telephone numbers (including
wireless, landline and VOIP numbers) or email addresses you supply to the Messaging Parties in connection with this Agreement, the
servicing and/or collection of amounts you owe or any other matter. You agree that such calls and messages will not be unsolicited for
purposes of state and federal law. You understand that anyone with access to your telephone or email account may listen to or read the
messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone
accessing such messages. You further understand that, when you receive a telephone call, text message or email, you may incur a charge
from the company that provides you with telecommunications, wireless and/or Internet services, and you agree that the Messaging
Parties will have no liability for such charges. You expressly authorize the Messaging Parties to monitor and record your calls with
the Messaging Parties. You understand that, at any time, you may withdraw your consent to receive text messages and calls to your cell
phone or to receive artificial or prerecorded voice message system calls by calling the Messaging Parties at 800-856-2911. To stop text
messages, you can also simply reply “STOP” to any text message the Messaging Parties send you. To stop emails, you can follow the
opt-out instructions included at the bottom of the Messaging Parties' emails.
BANKRUPTCY: You represent that you are not currently a debtor in any bankruptcy proceeding and that you have no intention of
filing bankruptcy under any chapter of the US Bankruptcy code during the term of this transaction or within 90 days following the
completion of this transaction. Any notice(s) of any future bankruptcy petition and all subsequent filings, motions, orders or
correspondence shall be mailed or sent by express courier to the CAB: SRC Customer Service, Attn: Bankruptcy Department, P.O. Box
780408, Wichita, Kansas 67278. You agree any written or oral communication concerning a bankruptcy with the CAB’s local office,
identified above, is null and void and of no effect.
WAIVER OF JURY TRIAL AND ARBITRATION AGREEMENT: This Agreement is entered into subject to and in accordance
with the separate Waiver of Jury Trial And Arbitration Agreement entered into by and between you and us as part of this transaction. If
you have not already done so, please read that document before signing this Agreement.
CONDITION TO PROVIDING CREDIT SERVICES: To complete your transaction with us, you must sign this Agreement by
signing below. You agree that for security purposes, our agent may attempt to contact you at one or more of the phone numbers you
provided on your application. We will enter this Agreement with you if and only if we are able to verify the information in your
application (including by making contact with you). If we are unable to make contact with you, we may refuse to approve this
Agreement. You represent and warrant that you will be available to speak with our agent at the phone numbers you provided, and
acknowledge that we have provided disclosures to you based on your representations to us. Following our security verification, we will
then approve or deny this Agreement.
By signing below: (a) YOU ACKNOWLEDGE THAT YOU RECEIVED, READ AND RETAINED A COPY OF (1) A
SEPARATE CREDIT ACCESS SERVICES DISCLOSURE STATEMENT; (2) THIS CREDIT ACCESS SERVICES
AGREEMENT WITH ALL NECESSARY SPACES COMPLETED; (3) TWO NOTICES OF CANCELLATION; AND (4)
OUR PRIVACY POLICY; (b) you certify that you have read, understood and agree to all of the terms and conditions of this Credit
Access Services Agreement and have separately read, understood and executed the WAIVER OF JURY TRIAL AND
ARBITRATION AGREEMENT; (c) you certify that all of the information you have provided in connection with the Application and
this Agreement is true and correct; (d) you have read and understood the METHOD OF PAYMENT, Voluntary Authorizations and
Optional ACH Credit Authorization sections above; (e) you agree that we may obtain and share any information you provide to us or
that we obtain from third parties in connection with this Agreement, including credit information and credit reports, with Lender or our
affiliates, for the duration of the services or any subsequent services; and (f) you agree that you have read, understood and consent to
our Privacy Policy. IF YOU REJECT THE PROPOSED TERMS BY NOT SIGNING BELOW, YOU WILL NOT BE
PERMITTED TO OBTAIN CREDIT SERVICES.
NOTICE: YOU, THE BUYER, MAY CANCEL THIS CONTRACT AT ANY TIME BEFORE MIDNIGHT OF THE THIRD
DAY AFTER THE DATE OF THE TRANSACTION. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR
AN EXPLANATION OF THIS RIGHT.
12 Jun 2020
This Agreement is received and executed on __________________.
Customer's Signature: KIMBERLY DOVE DURDIN

/s/___________________________________________

___________________________________________ __/S/Donald Gayhardt, President____________________
BY: ITS AUTHORIZED REPRESENTATIVE
_______________________________________________________
Date Written: 12 Jun 2020

Transaction Number: 43027977
NOTICE OF CANCELLATION
You may cancel this contract, without any penalty or obligation, within THREE (3) days after the date the contract is signed.
If you cancel, any payment made by you under this contract will be returned within TEN (10) days after the date of receipt by
the Seller of your cancellation notice.
To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or other written notice, to:
_______________________________________________________________________________________________________,
15 Jun 2020
Attention: CAB Cancellation, AT 3527 North Ridge Road, Wichita, KS 67205, not later than midnight ________________
I hereby cancel this transaction.
12 Jun 2020
______________________ __________________________________________________________
Date Buyer’s Signature
Buyer’s Name: KIMBERLY DOVE DURDIN
Cancellation Notice 1 of 2
_____________________________________________________
Date Written: 12 Jun 2020

NOTICE OF CANCELLATION
You may cancel this contract, without any penalty or obligation, within THREE (3) days after the date the contract is signed.
If you cancel, any payment made by you under this contract will be returned within TEN (10) days after the date of receipt by
the Seller of your cancellation notice.
To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or other written notice, to:
_________________________________________________________________________________________________________,
15 Jun 2020
Attention: CAB Cancellation, AT 3527 North Ridge Road, Wichita, KS 67205, not later than midnight __________________.
I hereby cancel this transaction.
12 Jun 2020
______________________ __________________________________________________________
Date Buyer’s Signature
Buyer’s Name: KIMBERLY DOVE DURDIN
Cancellation Notice 2 of 2
PROMISSORY NOTE
(Installment / Bankline)
LENDER: INTEGRITY TEXAS FUNDING LP BORROWER: KIMBERLY DOVE DURDIN

84 VILLA RD 1101 WILLIAM ST
GREENVILLE SC 29615 GEORGE WEST TX 78022
8008562911
THE TERMS AND CONDITIONS OF THIS AGREEMENT ARE IMPORTANT. PLEASE READ THE ENTIRE
AGREEMENT CAREFULLY.
In this Promissory Note (the "Agreement"), certain words have special meanings. The Agreement includes the TILA Disclosures
below, the Terms and Conditions and the Arbitration Provision and the Jury Trial Waiver. The words “Borrower,” "you," and "your"
mean the person signing as Borrower below. The words "Lender," "we," "us," and "our" mean
___________________________________________________________. The term “CAB” means
___________________________________________________________, which is party to a separate Credit Access Services
Agreement with you (the “Credit Access Agreement”). “Loan” means the loan evidenced by this Agreement. The boxed-in
disclosures below are part of the terms and conditions of this Note.
FEDERAL TRUTH-IN-LENDING ACT (“TILA”) DISCLOSURES
ANNUAL FINANCE CHARGE Amount Financed Total of Payments

PERCENTAGE RATE
The dollar amount the credit The amount of credit provided The amount you will have
The cost of your credit as a will cost you. to you or on your behalf. paid after you have made all
yearly rate. payments as scheduled.
$1,652.83 $750.00
______________________ $2,402.83
__________________ ____________________
680.121%
_____________________
Your Payment Schedule will be:

Number of Amount of Payments When Payments Are Due
Payments
12 $184.87 Every Other Friday, beginning 19 Jun 2020
1 $184.39 04 Dec 2020
Security: This loan is secured by your Optional Loan Payment Authorization, if you choose to repay by this method, and a
guaranty from the CAB.
Prepayment: If you pay off early, you will not have to pay a penalty and your finance charge may be reduced. You will not
receive a rebate unless you pay more than the earned interest and CAB fee.
Returned Item Charge: If your payment is returned for any reason, you will be charged $12.50 for each returned item or
payment.
Itemization of Amount Financed:
1. Amount given to you directly (loan proceeds): $750.00

______________
2. Plus Amount credited your account: $0.00
______________
3. Equals Amount Financed $750.00
______________
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12 Jun 2020
TXIME0020181203 Page 1 of 8
*341147023.105*
$1,628.60
CAB Fees: The Finance Charge above includes ______________ for total CAB fees to be paid separately to CAB under the Credit
Services Agreement. CAB’s fees will be charged on each payment date listed on the Payment Schedule during the term of your Loan.
CAB’s fees are not deferred and are only due and owing to CAB during the applicable period in which CAB performs it services.
Because the CAB fee is owed to CAB and not to us, the CAB fee is included in the Finance Charge for disclosure purposes only. You
understand that we are extending credit to you under Section 302.001 of the Texas Finance Code at a rate of interest of 10% per
annum, and that the CAB fee is for a service and not considered interest under Texas law.
No part of this Agreement, nor any charge or receipt by us, is intended to permit us to impose any amount in excess of lawful
amounts. In no event may the interest we charge to you exceed a rate of 10% per annum. If an unlawful excess occurs, we will apply
it as a credit or otherwise refund it, and the rate or amount involved will automatically be reduced to the maximum lawful rate or
amount. To the extent permitted by law, for purposes of determining our compliance with the law, we may calculate charges by
amortizing, prorating, allocating, and spreading.
Promise to Pay: You promise to pay us, or to our order, on or prior to the payment date shown in the Payment Schedule above, the
Amount Financed plus simple interest at a rate of ten percent (10%) per annum. Payment must be made in cash at the location of any
CAB. To find a convenient CAB location and obtain information on hours of operation, visit www.speedycash.com or call the CAB’s
Customer Call Center at (888) 333-1360. Payments made to the CAB will be binding on us. Alternatively, subject to your
authorization and signature, you may pay as set forth in the Optional Loan Payment Authorization, which is a separate form. Payments
will be applied first to (i) uncollected CAB fees and expenses, (ii) late fees, if applicable, (iii) returned item fee(s), if any, (iv)
principal, then (v) interest.
Finance Charges; Interest: CAB fees are not paid to us and are not interest under Texas law. However, they are finance charges
under federal law and are included in the Finance Charge, Annual Percentage Rate, Total of Payments and Payments Schedule in the
Federal Truth In Lending Disclosures above. Interest will accrue from the date of the Loan until the Loan is paid in full, and will
continue to accrue both before and after any acceleration of amounts due under this Note and/or any judgment against you. Interest is
based upon the United States Rule method, with a 365 or 366 day year basis as applicable, but in no event in excess of lawful
amounts. This means you will owe less interest if you pay early and will owe more interest if you pay late.
Returned Item Charge: If your payment is returned for any reason, you will be charged $12.50 for each returned item or payment.
YOU MAY PREPAY THE LOAN IN WHOLE OR IN PART AT ANY TIME WITHOUT PENALTY. PREPAYMENTS
WILL REDUCE YOUR INTEREST CHARGES AND CAB FEES. YOU CAN MAKE PREPAYMENTS AT ANY CAB
LOCATION. TO FIND A CONVENIENT CAB LOCATION AND OBTAIN INFORMATION ON HOURS OF
OPERATION, VISIT WWW.SPEEDYCASH.COM OR CALL THE CAB’S CUSTOMER CALL CENTER AT 888-333-1360.
WE DO NOT WAIVE ANY RIGHTS BY OUR ACCEPTANCE, IF ANY, OF A PARTIAL PAYMENT.
YOU ACKNOWLEDGE THAT YOU HAVE BEEN ADVISED THAT THE SERVICES OF YOUR CAB AND THIS LOAN
MAY NOT BE AT THE LOWEST RATES OR ON THE BEST TERMS AVAILABLE, AND THAT YOU HAVE HAD THE
OPPORTUNITY TO LOOK ELSEWHERE FOR CREDIT SERVICES AND A LOAN. AN ADVANCE OF MONEY
OBTAINED THROUGH A PAYDAY LOAN OR AUTO TITLE LOAN IS NOT INTENDED TO MEET LONG-TERM
FINANCIAL NEEDS. A PAYDAY LOAN OR AUTO TITLE LOAN SHOULD ONLY BE USED TO MEET IMMEDIATE
SHORT-TERM CASH NEEDS. REFINANCING THE LOAN RATHER THAN PAYING THE DEBT IN FULL WHEN
DUE WILL REQUIRE THE PAYMENT OF ADDITIONAL CHARGES.
Credit Enhancements: You have provided a credit enhancement for your repayment obligation in the form of a guaranty
(“Guaranty”). If you have failed to pay your Loan, the CAB will pay on the Guaranty the Total of Payments, returned item fee(s) and
late fee, as applicable, after the date of default, but not later than 180 days after the origination date of your Loan.
Voluntary Authorizations (FOR REPAYMENT ONLY): If you sign the accompanying Optional Loan Payment Authorization,
you voluntarily authorize and direct the CAB to electronically process your payments, and to deduct from your payments the CAB
Fees as set out in the payment schedule of the Note, as Electronic Funds Transfers. Further, if you sign the Optional Loan Payment
Authorization and if you provide us or the CAB with a Card or a Bank Account (as those terms are defined in the accompanying
Optional Loan Payment Authorization), you agree to the Authorizations as set forth therein.
ACH Credit Authorization (FOR RECEIPT OF LOAN PROCEEDS ONLY): By signing this Agreement, you are electing to
receive the cash proceeds of your Loan via direct deposit. You hereby voluntarily authorize and instruct us (or our successors, assigns
or service providers) to initiate an ACH credit to the deposit account specified in your Loan application for the amount itemized in
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your Promissory Note with Lender as the “amount paid directly to you” on or after the date of this Agreement. If there is any missing
or erroneous information regarding your deposit account, your bank, bank routing number, transit number or account number, then
you authorize us to verify and correct such information. This credit authorization for receipt of loan proceeds does not apply to
any voluntary authorizations for loan repayment under the Optional Loan Payment Authorization that you elect to sign. Or, if
you choose, you can elect to pick up your funds in cash from the nearest Speedy Cash store. Check speedycash.com for the location
and operating hours of the store closest to you.
Borrower’s Representations and Warranties: You represent and warrant that: (1) you have the right to enter into this Agreement;
(2) you are not a debtor under any proceeding in bankruptcy, have not consulted a bankruptcy attorney within the past 6 months and
you have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code; (3) you are at least 18 years
of age; and (4) the information in the Application is current, true, correct, and complete, including, without limitation, your
representation that you are not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on
active duty under a call or order that does not specify a period of 30 days or fewer, or a dependent of such a member. You understand
that we and the CAB are relying upon that information.
Default, Late Fee, and Returned Item Fee: You will be in default if any of the following happens: (1) you fail to pay us the
outstanding principal and interest on the Loan on the payment dates in your Payment Schedule or any other promises under this
Agreement; (2)you take any action or fail to take any action, including timely canceling the Credit Access Agreement or defaulting
under the Credit Access Agreement, thereby causing the Guaranty to be cancelled; (3) you fail to pay the CAB fee when it becomes
due under the Credit Access Agreement; (4) you notify us that you cannot pay the amount owing under this Agreement; (5) any
representation or statement made or furnished by you or on your behalf is false or misleading in any material respect either now or at
the time made or furnished; or (6) you die or become insolvent, or any proceeding is commenced either by you or against you
under any bankruptcy or insolvency laws. In addition, you agree to pay us a returned item fee of $12.50 if any payment, check,
ACH debit, or electronic payment to us is returned. (We will not charge a further returned payment charge if the check or payment is
resubmitted and returned one or more additional times.) For inquiries, complaints or concerns, please call the CAB’s Customer Call
Center at 888-333-1360.
Our Rights Upon Default: Upon the occurrence of any default, we may at our option, and without notice or demand except as
required by law, do any one or more of the following, to the extent permitted by law: (1) declare all amounts owed under this Note
immediately due and payable (the “Accelerated Balance”); (2) seek payment from the CAB of all amounts you owe; (3) we may seek
payment of any such Accelerated Balance under the terms set forth in the Payment Authorization for the Accelerated Balance
paragraph below; (4) re-initiate an entry for the same amount if the ACH is dishonored one or more times as permitted by applicable
rules of the ACH payment system; (5) re-initiate separate authorizations, if any, for any returned item fee(s) one or more times as
permitted by applicable rules of the ACH system; (6) initiate legal or arbitration proceedings against you in accordance with
applicable law and the terms of the Waiver of Jury Trial and Arbitration Provision below; (7) transfer the Note and all our rights under
the Note to the CAB and exercise our right to payment under the Guaranty; (8) to the extent permitted by law, recover from you
reasonable attorneys’ fees, legal expenses, and all other lawfully permitted costs incurred or paid in exercising any right, power or
remedy provided by this Note or by law; and/or (9) exercise all other rights, powers and remedies given by law.
Payment Authorization for the Accelerated Balance: If you default and we require payment of the Accelerated Balance, you
authorize and direct us (which includes, for the purpose of this Authorization, our successors, assigns, agents and service providers) to
seek payment of the Accelerated Balance on or after the date we require payment of it by initiating one or more electronic debits to the
bank account specified in your application, if any, or any substitute bank account that you later supply and authorize us to debit (the
“Bank Account”) or initiating a charge to the payment card specified in your application, if any, or any substitute payment card that
you later supply and authorize us to debit (the “Card”). You authorize us to initiate a single electronic debit and/or charge for the
entire Accelerated Balance or multiple, smaller electronic debits and/or charges (that do not occur in substantially regular intervals)
that, when added together, do not exceed the Accelerated Balance. If we elect to initiate multiple, smaller electronic debits and/or
charges, we will send advance notice via email to the email address we have on file for you, if any, notifying you of the dates and
amounts of any such electronic debits and/or charges. In no event will we initiate an electronic debit or charge before any prior
electronic debit or charge of ours settles. You authorize us to choose the method by which to seek payment from among those
methods for which you have authorized and supplied information. In the event that a payment we seek is returned unpaid, you
authorize us to seek that payment up to two more times (or any greater number of times permitted by applicable network rules) by, in
our sole discretion, the same payment method or a different method. In the event we make an error in seeking any payment authorized
above, you authorize us to correct the error by initiating an electronic debit or credit, as applicable, to the Bank Account or Card in the
amount of the error on or after the date any such error occurs. Instead of or in addition to any payments described above, you
authorize us to seek payment from the Bank Account and/or Card for any amount and on any date that you subsequently confirm by
phone, text message or email. If you wish to cancel this Authorization, write to us c/o the CAB at P.O. Box 780408, Attn: ACH
43027977
Payments, Wichita, KS 67278, or email the CAB at customerservice@speedycash.com in such time and manner so as to afford us, the
CAB, and your bank or Card issuer a reasonable opportunity (typically three business days) to act on your request. You certify that
you are an authorized signor on the Bank Account and/or authorized user of the Card. If you inadvertently transpose a digit or make a
similar error in providing us with information about a payment method, you authorize us to correct the error after verifying the
information.
Compliance: No interest, charge or receipt by us is intended to exceed lawful amounts. If an unlawful excess occurs, we will apply it
as a credit or otherwise refund it, and the rate or amount involved will automatically be reduced to the maximum lawful rate or
amount. To the extent permitted by law, for purposes of determining our compliance with the law, we may calculate charges by
amortizing, prorating, allocating and spreading. In each instance, our rights and remedies are subject to applicable law.
Interstate Commerce: You agree that this Note involves interstate commerce.
Assignment: This Note will be binding upon you, your heirs and assigns; however, you may not assign your obligations under this
Note without our prior written consent. We may transfer any of our rights, titles and interests under this Note at our discretion.
Notices and Waivers: You agree to provide us and the CAB, at the address specified by the CAB in the Credit Access Agreement,
written notice of any bankruptcy, probate, lawsuit, arbitration, or other legal proceeding affecting the Credit Access Agreement or
payment of the Note. We meet all requirements for sending you a notice required under this Note or applicable law if we send it to
you by means of United States mail at your last given address, or by email to any email address that you have provided to us or the
CAB. Except for notices provided in this Note, you, and others responsible to the extent permitted by law, waive demand,
notice of nonpayment, notice of intention to accelerate, notice of acceleration, presentment, and notice of dishonor. To the
extent permitted by law, you, and others responsible, also agree that: we may waive or delay enforcing our rights without
losing them; we are not required to file suit or arbitrate, show diligence in collection against you or others responsible; we may
release or modify any person’s liability without changing the liability of others; we and the CAB may sue or arbitrate with one
or more persons without joining or suing others; and we may renew, extend, refinance, or modify the obligations owed to us
under this Note.
Credit Reporting: You agree that we may make inquiries concerning your credit history and standing and obtain credit reports on
you for as long as any Loan with us remains outstanding. We may report information about your account to credit bureaus.
Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you believe that
any information about your Loan that we have furnished to a consumer reporting agency is inaccurate, or if you believe that you have
been the victim of identity theft in connection with any Loan made by us, write to the Lender c/o the CAB at P.O. Box 780408,
attention Legal Department, Wichita, KS 67278. In your letter (i) provide your name and Loan number, (ii) identify the specific
information that is being disputed, (iii) explain the basis for the dispute, and (iv) provide any supporting documentation you have that
substantiates the basis of the dispute. If you believe that you have been the victim of identity theft, submit an identity theft affidavit or
identity theft report.
Governing Law: This Note will be governed by the laws of the State of Texas, except the Waiver of Jury Trial and Arbitration
provision is governed by the Federal Arbitration Act (the “FAA”).
Authorization for Autodialed Calls, Text Messages, Prerecorded Messages and Emails: You authorize us and our agents,
representatives and servicers (collectively, the “Messaging Parties”) to contact you using automatic telephone dialing systems,
artificial or prerecorded voice message systems, text messaging systems and automated email systems in order to provide you with
information about this Agreement, including information about upcoming payment due dates, missed payments and returned
payments. You authorize the Messaging Parties to make such contacts using any telephone numbers (including wireless, landline and
VOIP numbers) or email addresses you supply to the Messaging Parties in connection with this Agreement, the servicing and/or
collection of amounts you owe or any other matter. You agree that such calls and messages will not be unsolicited for purposes of state
and federal law. You understand that anyone with access to your telephone or email account may listen to or read the messages the
Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone accessing such
messages. You further understand that, when you receive a telephone call, text message or email, you may incur a charge from the
company that provides you with telecommunications, wireless and/or Internet services, and you agree that the Messaging Parties
will have no liability for such charges. You expressly authorize the Messaging Parties to monitor and record your calls with the
Messaging Parties. You understand that, at any time, you may withdraw your consent to receive text messages and calls to your cell
phone or to receive artificial or prerecorded voice message system calls by calling the Messaging Parties at 800-856-2911. To stop
text messages, you can also simply reply “STOP” to any text message the Messaging Parties send you. To stop emails, you can follow
the opt-out instructions included at the bottom of the Messaging Parties' emails.
Bankruptcy: You represent that you are not currently a debtor in any bankruptcy proceeding and that you have no intention of filing
bankruptcy under any chapter of the United States Bankruptcy Code during the term of this transaction or within 90 days following
the completion of this transaction. Any notice(s) of any future bankruptcy petition and all subsequent filings, motions, orders or
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correspondence shall be mailed or sent by express courier to the Lender c/o the CAB at: SRC Customer Service, Attn: Bankruptcy
Department, P.O. Box 780408, Wichita, Kansas 67278. You agree any written or oral communication concerning a bankruptcy with
the CAB’s local office, identified above, is null and void and of no effect.
Federal Disclosure of the Optional Loan Payment Authorization as Security: Pursuant to Comment 2(a)(25) of the Official Staff
Commentary to Regulation Z § 1026.2, we have disclosed to you that our interest in any Optional Loan Payment Authorization you
have elected to provide is a security interest for Federal Truth-In-Lending Act purposes only, because federal and state law do not
clearly address whether our interest in any Optional Loan Payment Authorization you elected to provide is a “security interest.” The Federal
Truth-In-Lending disclosures, however, are not intended to create a security interest under state law.
Agreement Construction: If any provision of this Note is determined to be invalid or unenforceable, such provision shall be
reformed if practicable so as to achieve its intended purposes(s) and shall not in any way affect the remaining provisions.
Notice and Cure: Prior to either you or us initiating litigation or an arbitration against the other party regarding a legal dispute or
claim relating in any way to this Note, the Borrower’s application for credit services or the Loan, the party asserting the claim
(“Claimant”) shall give the other party written notice of the claim and the relief requested and a reasonable opportunity of not less than
thirty (30) days to cure the claim. Any claim notice to you shall be sent in writing by mail or other reasonable means to the address
you have provided in your Application (or any updated address you have subsequently provided). A collection notice or letter may
constitute a claim notice if it otherwise meets the requirements of this paragraph. Any notice to us must be sent by certified mail,
return receipt requested, to the Lender c/o CAB, 3527 North Ridge Road, Wichita, Kansas 67205. We will reimburse you for the cost
of the certified mail. This notice requirement, however, does not apply to any actions to preserve or protect any collateral (e.g.,
seeking a writ of sequestration/possession, etc.), if applicable. Any corrective action shall relieve the recipient of the claim notice of
any liability to the extent permitted by law.
Entire Agreement: This Agreement is the entire agreement between you and us relating to the subject matter of this Agreement. No
modification of this Agreement shall be effective unless in writing and signed by you and us.
ARBITRATION AND JURY TRIAL WAIVER
WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. Arbitration is a process in which persons with a dispute: (a) waive
their rights to file a lawsuit, to proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their
disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some evidence
to the arbitrator. Pre-hearing arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials.
The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely
overturns an arbitrator's decision. THEREFORE, IN CONSIDERATION OF OUR MUTUAL PROMISES CONTAINED
HEREIN, AND IN ORDER TO INDUCE US TO EXTEND CREDIT TO YOU, YOU ACKNOWLEDGE AND AGREE
WITH US AS FOLLOWS:
1. For purposes of this Waiver of Jury Trial and Arbitration Provision (hereinafter, “Arbitration Provision"), the words "dispute" and
"disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising
from or relating directly or indirectly to: (i) this Note, the signing of this Note, the validity and scope of this Arbitration Provision and
any claim or attempt to set aside this Arbitration Provision, (ii) your request that we provide you with an extension of credit; (iii) the
Disclosure Statement, Application for Credit Services, and/or Credit Access Agreement issued to and/or executed by you in
connection with your credit services transaction with CAB, and (iv) your request that CAB provide you with credit services; (b) all
federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to the transactions contemplated in
connection with your request for credit services and/or an extension of credit, as well as any of the documents referenced above;
(c) the information which you provided or that we otherwise collected in connection with your request for an extension of credit;
(d) all claims, disputes, or controversies arising from or relating directly or indirectly, in whole or in part, to any agreement(s) and/or
transaction(s) between you on the one hand and us or CAB, on the other, including without limitation all such past and subsequent
agreement(s) and/or transaction(s), if any; (e) all counterclaims; (f) all common law claims between us, including without limitation,
those based upon contract, tort, negligence, fraud or other intentional torts; (g) all claims which are based upon an alleged violation of
any state or federal constitution, statute or regulation; (h) all claims asserted by us against you, including claims for money damages to
collect any sum we claim you owe us; (i) all claims asserted by you individually against us, and/or any of our employees, directors,
officers, shareholders, partners, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred
to as “related third parties”), including claims for money damages and/or the right to equitable or injunctive relief; (j) all claims
asserted by you individually against a collection agency, CAB, and/or any of its related third parties, arising in connection with our
provision of an extension of credit to you or its collection, including claims for money damages and/or the right to equitable or
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injunctive relief; (k) all claims asserted on your behalf by another person related to your transactions with us for an extension of credit
and/or with CAB for credit services; and/or (l) all claims arising from or relating directly or indirectly to the disclosure or use by us,
CAB, or our respective related third parties of any non-public personal information about you.
2. By signing this Note, each party to this Note acknowledges and agrees to:
(a) GIVE UP THE RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST THE
OTHER PARTY AND/OR ITS RELATED THIRD PARTIES;
(b) GIVE UP THE RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY
DISPUTE ALLEGED AGAINST THE OTHER PARTY AND/OR ITS RELATED THIRD PARTIES; and
(c) GIVE UP THE RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN

ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF
CLAIMANTS, IN ANY LAWSUIT FILED AGAINST THE OTHER PARTY AND/OR ITS RELATED THIRD
PARTIES.
3. Except as provided in Paragraph 6 below of this Arbitration Provision or as otherwise required by law, all disputes shall be resolved
confidentially by binding arbitration only on an individual basis with you. Even though CAB is an express third party beneficiary of
this Note, claims between you and CAB may not be consolidated with claims between you and us, without our written consent, which
may be withheld for any or no reason. ADDITIONALLY, THE ARBITRATOR SHALL NOT CONDUCT CLASS
ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU OR US TO SERVE AS A
REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY
FOR OTHERS IN THE ARBITRATION. DISPUTE(S) BETWEEN YOU AND US MAY NOT BE CONSOLIDATED WITH
DISPUTE(S) BETWEEN YOU OR US AND ANY OTHER(S) FOR ANY PURPOSE(S). IN THE EVENT THAT A COURT
OR ARBITRATOR WITH AUTHORITY TO ENFORCE THIS AGREEMENT DETERMINES THAT THE FORGOING
PROVISIONS OF THIS PARAGRAPH (PROHIBITING CONSOLIDATED OR CLASS ARBITRATION) ARE
UNENFORCEABLE, SUCH PROVISIONS MAY NOT BE SEVERED FROM THIS AGREEMENT WITHOUT
INVALIDATING THE REMAINDER OF THIS ARBITRATION PROVISION.
4. Any party to a dispute, including related third parties, shall send the other party written notice of intent to arbitrate, setting forth the
subject of the dispute along with the relief requested, by certified mail, return receipt requested, even if a lawsuit has been filed. Your
notice must be sent to in care of CAB at the same address as listed below in Paragraph 10 of this Arbitration Provision. Regardless of
who demands arbitration, you shall have the right to select any of the following arbitration organizations to administer the arbitration:
the American Arbitration Association (1-800-778-7879) http://www.adr.org, in accordance with its Commercial Dispute Resolution
Procedures and the Consumer-Related Disputes Supplementary Procedures; or Judicial Arbitration and Mediation Services, Inc.
(“JAMS”) (949-224-1810) http.www.jamsadr.com, in accordance with its Streamlined Arbitration Rules & Procedures. However, the
parties may agree to select a local arbitrator who is an attorney, retired judge, or arbitrator registered and in good standing with an
arbitration association and arbitrate pursuant to such arbitrator’s rules. The party receiving notice of arbitration will respond in writing
by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of
the arbitration organization you have selected or whether you desire to select a local arbitrator. If we demand arbitration, you must
notify us within twenty (20) days in writing by certified mail return receipt requested of your selection of an arbitration organization
or your desire to select a local arbitrator. If you fail to provide notice of your selection to us, then we shall have the right to select an
arbitration organization. The parties agree to be governed by the rules and procedures of such arbitration organization applicable to
consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Arbitration Provision, including
the limitations on the arbitrator herein. You may obtain a copy of the rules and procedures by contacting the arbitration organizations
listed above.
This Agreement may contain limitations of certain forms and amounts of damages that are recoverable in any arbitration or trial, and
limitations related to the time periods within which each party must act to preserve its rights to proceed with a claim. Also, this Note
contains requirements for the payment of fees and costs associated with arbitration. To the extent any of these limitations or
requirements are found to be in conflict with a mandatory provision of applicable law, the conflicting limitation or requirement shall
be modified automatically to comply with the mandatory provision of law, without affecting the validity or enforceability of any other
provision in this Note, and without affecting the validity or enforceability of the limitations or requirement in any other jurisdiction.
In the event that a court or arbitrator with authority to enforce this Note determines that any specific term or provision contained in
this Note is unenforceable, such term or provision may be severed from this Note without invalidating the remainder of the
Agreement; provided, however, that the issue of severability related to consolidations and/or class actions shall be handled as
described in paragraph 7 in this Arbitration Provision.
5. Regardless of who demands arbitration, at your request we will advance your portion of the arbitration expenses, including the
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filing, administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her
own attorneys' fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law
consistent with the Federal Arbitration Act ("FAA”), and applicable statutes of limitation, and shall honor claims of privilege
recognized at law. The arbitration hearing will be conducted in the county of your residence, or within 30 miles from such county, or
in the county in which the transaction for credit services by CAB and/or the extension of credit by us under this Note occurred, or in
such other place as shall be ordered by the arbitrator. The arbitrator may decide, with or without a hearing, any motion that is
substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration
proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If the arbitrator renders a decision or
an award in your favor resolving the dispute, you will not be responsible for reimbursing us for your portion of the Arbitration Fees,
and we will reimburse you for any Arbitration Fees you have previously paid. If the arbitrator does not render a decision or an award
in your favor resolving the dispute, or if you dismiss any arbitration initiated by you before the arbitrator renders a decision, the
arbitrator shall require you to reimburse us for the Arbitration Fees we have advanced, not to exceed the amount which would have
been assessed as court costs if the dispute had been resolved by a state court with jurisdiction, less any Arbitration Fees you have
previously paid. The arbitrator's award may be enforced in any court having jurisdiction.
6. All parties, including the Lender and/or related third parties, shall retain the right to seek adjudication in a small claims tribunal for
disputes within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small
claims tribunal, shall be resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be resolved by
binding arbitration. Furthermore, nothing in this Arbitration Provision shall limit the right of you, us or CAB (a) to foreclose against
the Vehicle by the exercise of any power under the Agreement or under applicable law; (b) to exercise self-help remedies such as set
off or repossession; or (c) to obtain provisional or ancillary remedies such as pre-judgment seizure of property, detinue or replevin,
which does not claim money damages from a court having jurisdiction. The institution and maintenance by you, us or CAB of any
action set forth in this Paragraph 6 shall not constitute a waiver of the right to submit any dispute to arbitration, including any
counterclaim asserted.
7. Each party agrees that all disputes between the parties to this Note shall be arbitrated on an individual basis. This requirement is for
the protection of the privacy and confidential interestsof the parties, and for the efficient resolution of specific disputes. This provision
means that the parties are prohibited from combining, consolidating or joining any claim they may have against one another with those
of any other individual, or from representing or joining a class of claimants, or from acting as a private attorney general on behalf of
other claimants in any arbitration, and that an arbitrator is prohibited from creating or maintaining such an action.
In the event this section 7, or any part of it, is found by an arbitrator and/or a court of law to be unenforceable, and a consolidation,
joinder of claims, class action, and/or any other representative action is created in an arbitration proceeding, both parties agree that this
provision is so material to the agreement to arbitrate that it may not be severed from this Arbitration Provision without invalidating the
remainder of this Arbitration Provision. In that event, such a consolidation and/or class action proceeding shall not be arbitrated, but
shall be heard in a court of law in a state or federal court of competent personal and subject matter jurisdiction. The parties reserve the
right and shall be permitted to maintain any and all legal challenges (and all appeals, if any, relating thereto) to the decision of any
arbitrator and/or court of law to disregard this section 7 by combining, consolidating or joining claims or allowing any person or
persons to represent or join a class of claimants, or to act as a private attorney general on behalf of other claimants in any arbitration.
8. The parties acknowledge that this Note is made pursuant to a transaction involving interstate commerce. Therefore, the parties agree
that the enforceability and interpretation of this Arbitration Provision shall be governed, in the first instance, by the Federal
Arbitration Act (“FAA”). To the extent that the FAA does not apply to this Arbitration Provision, in whole or in part, then this
Arbitration Provision shall be governed, to the extent the FAA is found not to apply, by the law of the State of Texas, including the
Texas Arbitration Act.
9. This Arbitration Provision is binding upon and benefits you, us, CAB and our respective heirs, successors, assigns and related third
parties. This Arbitration Provision shall continue in full force and effect, even if any party’s obligations have been paid or discharged
through bankruptcy. This Arbitration Provision shall survive any termination, amendment, expiration or performance of any
transaction between any of the parties and shall continue in full force and effect unless otherwise agreed in writing by the parties.
10. OPT OUT. If you decide that you no longer wish to be bound by this Arbitration Provision, you may cancel it by sending a written
notice to us at: _____________________________________________ SCIL TEXAS, LLC DBA WWW.SPEEDYCASH.COM
c/o ______________________________________________,
Attn: Arbitration Opt-Out, 3527 North Ridge Road, Wichita, KS 67205. Your notice opting out must be post-marked no later than
forty-five (45) days after the date you signed this Note in order to be effective. If you opt out of arbitration, only this Arbitration
Provision will be affected, and no other agreement or transaction will be affected.
ENTIRE AGREEMENT. This Note is the entire agreement between you and us relating to the subject matter of this Note. No
modification of this Note shall be effective unless in writing and signed by you and us. Subject to any contrary provisions herein
contained, if any provision of this Note is determined to be invalid or unenforceable, such provision shall be reformed if practicable so
as to achieve its intended purpose(s) and shall not in any way affect the remaining provisions of this Note.
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By signing this Note, (a) YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED, READ, UNDERSTOOD, AND
RETAINED A COPY OF THIS NOTE WITH ALL NECESSARY SPACES COMPLETED AND THAT YOU AGREE TO
ALL TERMS AND CONDITIONS OF THIS NOTE, INCLUDING THE BINDING ARBITRATION AND JURY TRIAL
WAIVER PROVISION; and (b) you agree that you have read, understood, and consent to our Privacy Policy and the CAB's Privacy
Policy.
By signing this Agreement, (a) YOU ACKNOWLEDGE THAT YOU HAVE RECEIVED, READ, UNDERSTOOD, AND
RETAINED A COPY OF THIS AGREEMENT WITH ALL NECESSARY SPACES COMPLETED AND THAT YOU
AGREE TO ALL TERMS AND CONDITIONS OF THIS AGREEMENT, INCLUDING THE BINDING ARBITRATION
AND JURY TRIAL WAIVER PROVISION; (b) you agree that this Agreement involves interstate commerce; (c) you certify that
all of the information you have provided in connection with this Agreement is true and correct; (d) you have read and understood the
VOLUNTARY AUTHORIZATIONS section; (e) you warrant that you are not a debtor under any proceeding in bankruptcy, and have
no intention to file a petition for relief under the United States Bankruptcy Code; (f) you warrant that the account, if any, on which any
check, ACH / Card debit, electronic check, or similar payment device that you provide to us is drawn, is a legitimate, open, and active
account; (g) you acknowledge and agree that you must pay the CAB fee set forth in the TILA disclosures above; (h) you agree that we
may obtain and share any information you provide to us or that we obtain from third parties in connection with this loan, including
credit information and credit reports, with the CAB, for the duration of the loan or any subsequent loans; and (i) you agree that you
have read, understood, and consent to our Privacy Policy and the CAB's Privacy Policy.
12 Jun 2020
This Note is executed on __________________.

/s/_______________________________________
BORROWER

LENDER: ______________________________
JOHN WESTON
By: /s/____________________________________
Its: Authorized Signer
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SPEEDY CASH
CREDIT SERVICES DISCLOSURE STATEMENT
Customer: KIMBERLY DOVE DURDIN

In this Credit Services Disclosure Statement (“Disclosure Statement”), the words "Customer," "Buyer," "you" and "your" mean the
person who has signed this Disclosure Statement below. The words "Seller," "we," "us," and "our" mean
________________________________________________, a registered Texas credit services organization (“CSO”) licensed as a credit
access business (“CAB”) operating pursuant to Chapter 393 of the Texas Finance Code ("Chapter 393") and under the regulatory
authority of the Office of the Consumer Credit Commissioner located at 2601 N. Lamar Blvd., Austin, TX 78705, Consumer Helpline
is (800)538-1579; Facsimile: (512) 936-7610; email address is consumer.complaints@occc.texas.gov and website address is
www.occc.texas.gov.
This Disclosure Statement is not a promise to provide credit services nor is it an extension of consumer credit. If you would like to
continue after you read this Disclosure Statement, and if you qualify for our services, we will enter into a separate Credit Services
Agreement ("CSA") with you. You acknowledge that we may accept or reject, at our discretion, your request for credit services. Until
we accept your request for credit services and enter into a CSA which may be provided to you, we shall have no obligation to assist you
in obtaining an extension of consumer credit. Even if we enter into a CSA, we do not promise that you will actually receive an extension
of consumer credit. All credit decisions will be made by a third-party lender.
AS PART OF THIS DISCLOSURE STATEMENT, CHAPTER 393 REQUIRES THAT WE PROVIDE YOU WITH THE
FOLLOWING DISCLOSURES:
DESCRIPTION OF OUR SERVICES: We are not a lender or a credit repair organization. We will not improve your credit record,
credit history or credit rating, nor will we provide any advice or assistance to you with regard to any such activity. If you agree to use
our services, for the fee set forth below, we will attempt to: (1) obtain an extension of consumer credit (the “Loan”) from a third party
lender in with an annualized rate of interest of not more than ten percent (10%); (2) guaranty the Loan made by the lender; (3) assist
you in preparing and completing documents necessary to obtain the Loan; (4) cash your lender direct draft, if any, received from the
lender; and (5) collect and service the loan and remit payments to the lender. We do not promise that you will actually receive a loan.
All credit decisions will be made by lender. The estimated period for performing these services will not exceed 180 days. All amounts
you receive from the lender will be paid with a two-party draft (“Lender Direct Draft”), which we will cash for you at no additional cost.
Cost of Our Services: YOU WILL NOT OWE US ANY FEE IF YOUR LOAN APPLICATION IS DENIED OR YOU CHOOSE
NOT TO ACCEPT ANY LOAN THAT IS APPROVED FOR YOU. If you qualify for a loan under the lender’s underwriting
criteria, we will charge you fees based upon the amount and term of your Loan provided to you by the lender. You will be required to
make payments periodically, and each payment will consist of fees charged by us (“CAB Fees”), as well as interest and principal charged
by the lender. The maturity date of your Loan is based on your pay period cycle and the origination date of your loan.
672.00% per annum (which amounts to a charged daily accrued rate of ______________)
The CAB Fees are calculated at ______________ 1.841096% of the
outstanding principal amount on the Loan. The CAB Fees are not due at the origination date of the Loan, and are not deferred. The
CAB Fees are only due and owing at the daily accrued rate during the applicable period when we perform our services and as
long as your Loan remains outstanding.
Your payments of CAB Fees to CAB, plus principal and interest to lender, will be payable every two weeks, semi-monthly, or monthly
$1,628.60 These CAB Fees will be payable in
depending on your pay period cycle. In the aggregate, your total CAB Fees will be ___________.
installments, along with principal and interest charged by the lender, in the schedule sent forth below. Note that the CAB Fee payments
will also be included in your Payment Schedule identified in your Truth in Lending Disclosures in your Promissory Note with lender.
Although the fee that we charge you is not interest, the Federal Truth in Lending Act requires that it be included in the finance charge
calculation for your Loan, which will be disclosed by your lender. In general, the amount of your finance charge will depend upon
several factors, including the amount of credit that the lender extends to you, the amount of the CAB Fee, the interest rate charged by
the lender and the term of the Loan. We take no responsibility for calculating the finance charge disclosed in your Loan; rather, the
lender will disclose the precise amount of the finance charge.
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$750.00
On your Loan made today in the principal amount of ______________, you will owe the lender this principal amount plus interest of
$24.23
10% per annum charged by the lender in the amount of ______________. As provided above, the total CAB Fees paid to CAB are
$1,628.60
____________. 13 periodic installments: ____
The principal amount, interest and CAB Fees will be paid in _____ 12 periodic payments of
$184.87 Every Other Friday, beginning 19 Jun 2020
_____________ are due _____________________________________________________________ and a final payment of
$184.39
_____________ 04 Dec 2020
due on ______________. The Annual Percentage Rate of the Finance Charge, as calculated by lender, will be
680.121%
___________. $2,402.83
Therefore, if you timely repay your Loan on its maturity date, (1) the total of payments will be _____________; and
$750.00
(2) the amount of credit extended to you by the lender will be ______________. If you pay your CAB Fee early, you will not be entitled
to a refund; however, there will not be a penalty for prepayment.
No extensions of the maturity date of your Loan will be permitted. Should you be unable to pay off your Loan upon maturity, you may
be eligible to refinance your Loan with the lender, subject to the limitations expressed herein, if any. However, because our credit
services to you will be substantially the same whether you are seeking a new Loan or refinancing an existing Loan, you will be required
to enter into another CSA with us and pay an additional CAB Fee to refinance your Loan.
YOU MAY PREPAY THE LOAN IN WHOLE OR IN PART AT ANY TIME WITHOUT PENALTY. PREPAYMENTS WILL
REDUCE YOUR INTEREST CHARGES AND CAB FEES. YOU CAN MAKE PREPAYMENTS AT THE LOCATION
WHERE YOU OBTAINED YOUR LOAN. If you prepay your Loan in full or in part before the maturity date, you will not receive
a refund or credit for CAB Fees previously paid or due to us. However, no liability for CAB Fees will accrue after prepayment of the
Loan in full. In addition to the CAB fees, if your Automated Clearinghouse (ACH) payment or other payment device which you give to
us as payment is returned for any reason, you will owe us a returned item fee of $12.50. If you make a combined payment of amounts
due under the Promissory Note and the CSA and the payment is returned, you will owe a single returned payment fee.
YOU UNDERSTAND THAT THE LOAN AND SERVICES WE PROVIDE MAY NOT BE AT THE LOWEST RATES OR
ON THE BEST TERMS AVAILABLE, AND YOU MAY LOOK ELSEWHERE FOR CREDIT SERVICES AND A LOAN.
AN ADVANCE OF MONEY OBTAINED THROUGH A PAYDAY LOAN OR AUTO TITLE LOAN IS NOT INTENDED TO
MEET LONG-TERM FINANCIAL NEEDS. A PAYDAY LOAN OR AUTO TITLE LOAN SHOULD ONLY BE USED TO
MEET IMMEDIATE SHORT-TERM CASH NEEDS. REFINANCING THE LOAN RATHER THAN PAYING THE DEBT
IN FULL WHEN DUE WILL REQUIRE THE PAYMENT OF ADDITIONAL CHARGES. YOU SHOULD CONSIDER
OTHER OPTIONS AVAILABLE TO YOU. REPETITIVE REFINANCING OF YOUR LOAN MAY CAUSE YOU TO INCUR
CAB FEES THAT APPEAR DISPROPORTIONATE TO YOUR ORIGINAL LOAN.
Your Right to Assert a Claim Against Our Surety Bond: In accordance with Chapter 393, we have filed a surety bond in the amount
of $10,000, in favor of persons damaged by a violation of Chapter 393, and in favor of the State of Texas for the benefit of such persons.
Subject to other applicable law, a person making a claim against the surety bond for a violation of Chapter 393 may file suit against us
and the surety. The surety's liability is limited to actual damages, reasonable attorney's fees, and court costs awarded under Section
393.503, but the surety's aggregate liability for your claim and all other claims may not exceed the amount of the bond. By law, we are
required to maintain the surety bond until the second anniversary of the date on which we cease operations. The name and address of
our surety is: The Hanover Insurance Company, 440 Lincoln Street, Worcester, MA 01615-0141.
Information About Consumer Reporting Agencies and Your Rights: If you obtain a Loan from a third-party lender that is processed
and serviced by us, we may report information about your account to consumer reporting agencies. Late payments, missed payments or
other defaults on your account may be reflected in your credit report.
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 740241 P.O. Box 2104 P.O. Box 1000
Atlanta, GA 30374-0241 Allen, TX 75013 Chester, PA 19022
(800) 685-1111 (888) 397-3742 (800) 916-8800
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.
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Access to, and Charges for, Your Report: 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. 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) a person
has taken adverse action against you because of information in your credit report; (2) you are the victim of identity theft and place a
fraud alert in your file; (3) your file contains inaccurate information as a result of fraud; (4) you are on public assistance; or (5) you are
unemployed but expect to apply for employment within SIXTY (60) days. 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
www.annualcreditreport.com. Alternatively, you may order your reports by telephone at (877) 322-8228 or by mail addressed to Annual
Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. For a copy of the mail-in form, go to
https://www.annualcreditreport.com/cra/requestformfinal.pdf. Lastly, you are entitled to your credit report at a minimal charge at any
other time.
Incomplete or Inaccurate Information: 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 www.ftc.gov.
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 7 years. Exceptions to this rule include
information about criminal convictions (no time limit); bankruptcy information (10 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 7
years or until the statute of limitations expires). A CRA may not issue a report containing obsolete information.
Complaints: CAB implements and maintains complaint handling procedures that include a timely review and response to customer
complaints and concerns. CAB agrees to maintain and post its own toll-free consumer hotline number in each of its business locations.
If you have any complaints and/or concerns, please contact the CAB by telephone at (888) 333-1360.
NOTICE: OTHER, LESS EXPENSIVE CREDIT SERVICES MAY BE AVAILABLE TO YOU, AND NONPROFIT CREDIT
COUNSELING SERVICES ARE AVAILABLE TO YOU. CHECK YOUR TELEPHONE DIRECTORY UNDER "CREDIT
& DEBT COUNSELING," OR SEARCH THE INTERNET UNDER "CREDIT & DEBT COUNSELING" FOR MORE
INFORMATION.
Page 3 of 4
TXIME1220161223
BY SIGNING BELOW, YOU: (1) WARRANT THAT YOU ARE NOT A DEBTOR UNDER ANY PROCEEDING IN
BANKRUPTCY AND HAVE NO INTENTION TO FILE A PETITION FOR RELIEF UNDER THE UNITED STATES
BANKRUPTCY CODE; (2) ACKNOWLEDGE THAT YOU HAVE RECEIVED, READ, UNDERSTOOD AND ACCEPTED
ALL OF THE TERMS ON ALL PAGES OF THIS DISCLOSURE STATEMENT BEFORE SIGNING THE BINDING
ARBITRATION AGREEMENT; (3) AGREE THAT THIS DISCLOSURE STATEMENT INVOLVES INTERSTATE
COMMERCE; (4)ACKNOWLEDGE THAT YOU RECEIVED A COPY OF OUR PRIVACY POLICY; AND (5)
ACKNOWLEDGE THAT YOU RECEIVED A COPY OF THIS DISCLOSURE STATEMENT BEFORE EXECUTING A
CONTRACT OR PAYING ANY FEE OR PROVIDING OTHER VALUABLE CONSIDERATION.
12 Jun 2020
This Disclosure Statement is received and executed on _________________.

Customer's Signature: /s/____________________________________
___________________________________
Page 4 of 4
TXIME1220161223
12 Jun 2020
Military Covered Borrower Identification Statement
Federal law provides important protections to active duty members of the Armed Forces and their dependents. To
ensure that these protections are provided to eligible applicants, we require you to sign one of the following
statements as applicable:
I AM a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active
duty under a call or order that does not specify a period of 30 days or fewer.
/s/________________________________
Applicant’s Signature
I AM a dependent of a member of the Armed Forces on active duty as described above, because I am the
member’s spouse, the member’s child under the age of eighteen years old, or I am an individual for whom the
member provided more than one-half of my financial support for 180 days immediately preceding today’s date.
/s/________________________________
–OR –
I AM NOT a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on
active duty under a call or order that does not specify a period of 30 days or fewer (or a dependent of such a
member).
/s/ KIMBERLY DOVE DURDIN

________________________________
WARNING: It is important to fill out this form accurately. Knowingly making a false statement on a credit
application is a crime.
USIXE1720150415
Loan Application
COMPLETE ALL THE FOLLOWING INFORMATION

Please print ALL information neatly and legibly in ink.
CURRENT PERSONAL INFORMATION
Name KIMBERLY DOVE DURDIN Social Security # 461519592
Address 1101 WILLIAM ST Date moved in 01 Nov 2017
City/State/Zip GEORGE WEST TX 78022 Own/Rent (Check One) Own Rent x

(830) 832-1921
Home phone # Cell phone # (830) 832-1921 Date of Birth 19 Mar 1976
13034919
Identification # (Drivers License, Military ID, etc.)
CURRENT WORK and BANK INFORMATION
Employer Date employed
Employer address Position/Title
Employer phone Direct # Work Ext. Department
Do you have a checking account? Yes x No Pay frequency: Weekly

____________________________
Date of pay stub Direct Deposit Yes x No x 12 Jun 2020

Next Pay Date: _______________________
Gross pay from most recent pay stub for: Regular Time Pay $
Note: Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as part of your application. Listed
below is the amount of most recent payment of other income periodically received by you, such as pension, severance, social security, alimony, child support that you
wish to have considered: $________________
This Loan Application (the “Application”) is not a promise to provide a loan. You acknowledge that we may accept or reject, at our discretion, your
request for a loan. Until we accept your request for a loan and you enter into a Promissory Note which may be provided to you, we shall have no
obligation to make a loan to you. All credit decisions will be made by ________________________________________________________
(hereafter also referred to as “Lender”, “us”, “we”, or “ours”). You authorize us to use this application for subsequent loans requested by you.
ASSIGNMENT: We may transfer any of our rights, titles and interests under this Application at our discretion. You may not transfer your rights
under this Application without our prior written consent.
REPORTING TO CREDIT BUREAUS: We may report information concerning your account or transaction(s) with us to credit bureaus. Late
payments, missed payments or other defaults on your account may be reflected on your credit report.
GOVERNING LAW: This Application will be governed by the laws of the State of Texas, except that the Waiver of Jury Trial and
Arbitration Provision on the back of this document is governed by the Federal Arbitration Act (“FAA”).
PRIVACY POLICY: Protecting your privacy is important to us and our employees. We want you to understand what information we collect and
how we use it. In order to provide our customers with short-term loans as effectively and conveniently as possible, we use technology to manage
and maintain customer information. The following policy summary as well as the separate Privacy Policy that was provided to you within the last
twelve (12) months by both the Lender and its special limited agent serve as a standard for all of our employees for the collection, use, retention, and
security of non-public personal information related to our short-term loan programs.
WHAT INFORMATION WE COLLECT: We may collect “non-public personal information” about you from the following sources:
• Information we obtain from your applications or loan forms, such as your name, address, social security number, assets and income;
• Information about your loan transactions with us, such as your payment history and loan balances; and
• Information we receive from third parties, such as consumer reporting agencies, credit service organizations, and other lenders, regarding
your creditworthiness and credit history.
“Non-public personal information” is non-public information about you that we obtain in connection with providing a short-term loan to you. For
example, as noted above, non-public personal information includes your name, social security number, credit history, and the like.
WHAT INFORMATION WE DISCLOSE: We may disclose all the information we collect.

THIRD PARTIES TO WHOM WE MAY DISCLOSE: We are permitted by law to disclose non-public personal information about you to third
parties in certain circumstances. For example, we may disclose non-public personal information about your short-term loans to consumer reporting
agencies and to government entities in response to subpoenas. Moreover, by signing the application below, you authorize us to disclose all of the
non-public personal information about you that we collect, as described above, to our special/limited agent(s) credit access business,
_______________________________________________ which perform(s) services on our behalf, such as servicing your short-term loan. Such
disclosures are made as necessary to effect, administer and enforce the credit services you request or authorize. We may disclose information about
your transactions with us to our affiliates. In addition, we may disclose non-public personal information to unaffiliated third parties as otherwise
permitted by law. If you become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
Lender & CAB’s Privacy Policy in its entirety have been provided to you separately within the last twelve (12) months.
OUR SECURITY PROCEDURES: We also take steps to safeguard customer information. We restrict access to non-public personal information
about you to those of our employees and the employees of the CAB who need to know that information to provide and service your short-term loans.
We use physical, electronic and procedural safeguards, to guard your non-public personal information.
WAIVER OF JURY TRIAL AND ARBITRATION PROVISION: This Application is submitted subject to and in accordance with this
Waiver of Jury Trial and Arbitration Agreement.
Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit, to proceed in court and to have a jury trial to resolve
their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has
an opportunity to present some evidence to the arbitrator. Pre-hearing arbitration discovery may be limited. Arbitration proceedings are private and
less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment.
A court rarely overturns an arbitrator's decision. THEREFORE, IN CONSIDERATION OF OUR MUTUAL PROMISES CONTAINED HEREIN,
AND IN ORDER TO INDUCE US TO EXTEND CREDIT TO YOU, YOU ACKNOWLEDGE AND AGREE WITH US AS FOLLOWS:
1. For purposes of this Waiver of Jury Trial and Arbitration Provision (hereinafter, “Arbitration Provision"), the words "dispute" and "disputes" are
given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or
indirectly to: (i) the Note, the signing of the Note, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this
Arbitration Provision, (ii) your request that we provide you with an extension of credit; (iii) the Disclosure Statement, Application for Credit
Services, and/or Loan Application, and/or Credit Access Agreement issued to and/or executed by you in connection with your credit services
transaction with CAB, and (iv) your request that CAB provide you with credit services; (b) all federal or state law claims, disputes or controversies,
arising from or relating directly or indirectly to the transactions contemplated in connection with your request for credit services and/or an extension
of credit, as well as any of the documents referenced above; (c) the information which you provided or that we otherwise collected in connection
with your request for an extension of credit; (d) all claims, disputes, or controversies arising from or relating directly or indirectly, in whole or in
part, to any agreement(s) and/or transaction(s) between you on the one hand and us or CAB, on the other, including without limitation all such past
and subsequent agreement(s) and/or transaction(s), if any; (e) all counterclaims; (f) all common law claims between us, including without limitation,
those based upon contract, tort, negligence, fraud or other intentional torts; (g) all claims which are based upon an alleged violation of any state or
federal constitution, statute or regulation; (h) all claims asserted by us against you, including claims for money damages to collect any sum we claim
you owe us; (i) all claims asserted by you individually against us, and/or any of our employees, directors, officers, shareholders, partners, governors,
managers, members, parent company or affiliated entities (hereinafter collectively referred to as “related third parties”), including claims for money
damages and/or the right to equitable or injunctive relief; (j) all claims asserted by you individually against a collection agency, CAB, and/or any of
its related third parties, arising in connection with our provision of an extension of credit to you or its collection, including claims for money
damages and/or the right to equitable or injunctive relief; (k) all claims asserted on your behalf by another person related to your transactions with us
for an extension of credit and/or with CAB for credit services; and/or (l) all claims arising from or relating directly or indirectly to the disclosure or
use by us, CAB, or our respective related third parties of any non-public personal information about you.
2. By signing this Application, each party to this Application acknowledges and agrees to:
(a) GIVE UP THE RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST THE OTHER PARTY
AND/OR ITS RELATED THIRD PARTIES;
(b) GIVE UP THE RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE
ALLEGED AGAINST THE OTHER PARTY AND/OR ITS RELATED THIRD PARTIES; and
(c) GIVE UP THE RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER
REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED
AGAINST THE OTHER PARTY AND/OR ITS RELATED THIRD PARTIES.
3. Except as provided in Paragraph 6 below of this Arbitration Provision or as otherwise required by law, all disputes shall be resolved confidentially
by binding arbitration only on an individual basis with you. Even though CAB is an express third party beneficiary of this Application, claims
between you and CAB may not be consolidated with claims between you and us, without our written consent, which may be withheld for any or no
reason. ADDITIONALLY, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL
NOT ALLOW YOU OR US TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER
REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. DISPUTE(S) BETWEEN YOU AND US MAY NOT BE
CONSOLIDATED WITH DISPUTE(S) BETWEEN YOU OR US AND ANY OTHER(S) FOR ANY PURPOSE(S). IN THE EVENT THAT A
COURT OR ARBITRATOR WITH AUTHORITY TO ENFORCE THIS AGREEMENT DETERMINES THAT THE FORGOING PROVISIONS
OF THIS PARAGRAPH (PROHIBITING CONSOLIDATED OR CLASS ARBITRATION) ARE UNENFORCEABLE, SUCH PROVISIONS
MAY NOT BE SEVERED FROM THIS AGREEMENT WITHOUT INVALIDATING THE REMAINDER OF THIS ARBITRATION
PROVISION.
4. Any party to a dispute, including related third parties, shall send the other party written notice of intent to arbitrate, setting forth the subject of the
dispute along with the relief requested, by certified mail, return receipt requested, even if a lawsuit has been filed. Your notice must be sent to in
care of CAB at the same address as listed below in Paragraph 10 of this Arbitration Provision. Regardless of who demands arbitration, you shall
have the right to select any of the following arbitration organizations to administer the arbitration: the American Arbitration Association (1-800-778-
7879) http://www.adr.org, in accordance with its Commercial Dispute Resolution Procedures and the Consumer-Related Disputes Supplementary
Procedures; or Judicial Arbitration and Mediation Services, Inc. (“JAMS”) (949-224-1810) http.www.jamsadr.com, in accordance with its
Streamlined Arbitration Rules & Procedures. However, the parties may agree to select a local arbitrator who is an attorney, retired judge, or
arbitrator registered and in good standing with an arbitration association and arbitrate pursuant to such arbitrator’s rules. The party receiving notice
of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform
us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If we demand arbitration, you
must notify us within twenty (20) days in writing by certified mail return receipt requested of your selection of an arbitration organization or your
desire to select a local arbitrator. If you fail to provide notice of your selection to us, then we shall have the right to select an arbitration organization.
The parties agree to be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent those
rules and procedures do not contradict the express terms of this Arbitration Provision, including the limitations on the arbitrator herein. You may
obtain a copy of the rules and procedures by contacting the arbitration organizations listed above.
This Agreement may contain limitations of certain forms and amounts of damages that are recoverable in any arbitration or trial, and limitations
related to the time periods within which each party must act to preserve its rights to proceed with a claim. Also, this Agreement contains
requirements for the payment of fees and costs associated with arbitration. To the extent any of these limitations or requirements are found to be in
conflict with a mandatory provision of applicable law, the conflicting limitation or requirement shall be modified automatically to comply with the
mandatory provision of law, without affecting the validity or enforceability of any other provision in this Application, and without affecting the
validity or enforceability of the limitations or requirement in any other jurisdiction.
In the event that a court or arbitrator with authority to enforce this Application determines that any specific term or provision contained in this
Application is unenforceable, such term or provision may be severed from this Application without invalidating the remainder of the Agreement.
5. Regardless of who demands arbitration, at your request we will advance your portion of the arbitration expenses, including the filing,
administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorneys' fees and
expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act
("FAA”), and applicable statutes of limitation, and shall honor claims of privilege recognized at law. The arbitration hearing will be conducted in the
county of your residence, or within 30 miles from such county, or in the county in which the transaction for credit services by CAB and/or the
extension of credit by us under this Application occurred, or in such other place as shall be ordered by the arbitrator. The arbitrator may decide, with
or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In
conducting the arbitration proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If the arbitrator renders a
decision or an award in your favor resolving the dispute, you will not be responsible for reimbursing us for your portion of the Arbitration Fees, and
we will reimburse you for any Arbitration Fees you have previously paid. If the arbitrator does not render a decision or an award in your favor
resolving the dispute, or if you dismiss any arbitration initiated by you before the arbitrator renders a decision, the arbitrator shall require you to
reimburse us for the Arbitration Fees we have advanced, not to exceed the amount which would have been assessed as court costs if the dispute had
been resolved by a state court with jurisdiction, less any Arbitration Fees you have previously paid. The arbitrator's award may be enforced in any
court having jurisdiction.
6. All parties, including the Lender and/or related third parties, shall retain the right to seek adjudication in a small claims tribunal for disputes
within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be
resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be resolved by binding arbitration. Furthermore,
nothing in this Arbitration Provision shall limit the right of you, us or CAB (a) to foreclose against the Vehicle by the exercise of any power under
the Agreement or under applicable law; (b) to exercise self-help remedies such as set off or repossession; or (c) to obtain provisional or ancillary
remedies such as pre-judgment seizure of property, detinue or replevin, which does not claim money damages from a court having jurisdiction. The
institution and maintenance by you, us or CAB of any action set forth in this Paragraph 6 shall not constitute a waiver of the right to submit any
dispute to arbitration, including any counterclaim asserted.
7. Each party agrees that all disputes between the parties to this Application shall be arbitrated on an individual basis. This requirement is for the
protection of the privacy and confidential interests of the parties, and for the efficient resolution of specific disputes. This provision means that the
parties are prohibited from combining, consolidating or joining any claim they may have against one another with those of any other individual, or
from representing or joining a class of claimants, or from acting as a private attorney general on behalf of other claimants in any arbitration, and that
an arbitrator is prohibited from creating or maintaining such an action.
In the event this section 7, or any part of it, is found by an arbitrator and/or a court of law to be unenforceable, and a consolidation, joinder of claims,
class action, and/or any other representative action is created in an arbitration proceeding, both parties agree that this provision is so material to the
agreement to arbitrate that it may not be severed from this Arbitration Provision without invalidating the remainder of this Arbitration Provision. In
that event, such a consolidation and/or class action proceeding shall not be arbitrated, but shall be heard in a court of law in a state or federal court of
competent personal and subject matter jurisdiction. The parties reserve the right and shall be permitted to maintain any and all legal challenges (and
all appeals, if any, relating thereto) to the decision of any arbitrator and/or court of law to disregard this section 7 by combining, consolidating or
joining claims or allowing any person or persons to represent or join a class of claimants, or to act as a private attorney general on behalf of other
claimants in any arbitration.
8. The parties acknowledge that this Application is made pursuant to a transaction involving interstate commerce. Therefore, the parties agree that
the enforceability and interpretation of this Arbitration Provision shall be governed, in the first instance, by the Federal Arbitration Act (“FAA”). To
the extent that the FAA does not apply to this Arbitration Provision, in whole or in part, then this Arbitration Provision shall be governed, to the
extent the FAA is found not to apply, by the law of the State of Texas, including the Texas Arbitration Act.
9. This Arbitration Provision is binding upon and benefits you, us, CAB and our respective heirs, successors, assigns and related third parties. This
Arbitration Provision shall continue in full force and effect, even if any party’s obligations have been paid or discharged through bankruptcy. This
Arbitration Provision shall survive any termination, amendment, expiration or performance of any transaction between any of the parties and shall
continue in full force and effect unless otherwise agreed in writing by the parties.
10. OPT OUT. If you decide that you no longer wish to be bound by this Arbitration Provision, you may cancel it by sending a written
notice to us at: ___________________________________________________ SCIL TEXAS, LLC DBA WWW.SPEEDYCASH.COM
c/o __________________________________________________,
Attn: Arbitration Opt-Out, 3527 North Ridge Road, Wichita, KS 67205. Your notice opting out must be post-marked no later than forty-
five (45) days after the date you signed this Application in order to be effective. If you opt out of arbitration, only this Arbitration
Provision will be affected, and no other agreement or transaction will be affected.
ENTIRE AGREEMENT: This Application is the entire agreement between you and us relating to the subject matter of this Application. No
modification of this Application shall be effective unless in writing and signed by you and us. If any provision of this Application is determined to
be invalid or unenforceable, such provision shall be reformed if practicable so as to achieve its intended purpose(s) and shall not in any way affect
the remaining provisions of this Application.
By signing below, (a) you certify that all of the information provided above is true, complete and correct and provided to us, for the purpose of
inducing us to make the loan for which you are applying; (b) you also agree to the WAIVER OF JURY TRIAL AND ARBITRATION
PROVISION, and you agree that this Application and the any related transaction involves interstate commerce; (c) you acknowledge that we have
contracted with the CAB, a registered Texas Credit Access Business, to assist in processing your Application and servicing and collecting your loan;
(d) you authorize us and the CAB to obtain and to share with each other and our respective affiliates information about you, including consumer
reports, for the duration of this and any subsequent loans; (e) you acknowledge that you have received and read our Privacy Policy and the CAB’s
Privacy Policy; (f) you authorize us and the CAB to contact you and/or your personal contacts listed above at home or work at any time between
8:00 a.m. and 9:00 p.m. regarding your loan; (g) you acknowledge and agree that you have read, and understood all of the terms of this Application;
(h) you agree to all the terms of this Application and warrant that you are not a debtor under any proceeding in bankruptcy and have no intention to
file a petition for relief under the United States Bankruptcy Code; and (i) you also acknowledge that you have been advised that the services of
the CAB and any third party loan made pursuant to this Application may not be at the lowest rate or best terms available, and that you
may look elsewhere for services and a loan.
12
This Application is received and executed on (Day)_________ 6
and (Month)_________________ 20
, 20_____. This application will be
deemed incomplete, and your request for a loan will not be processed by us unless this Application is signed by you below.
/s/ JOHN WESTON KIMBERLY DOVE DURDIN

Applicant's Signature: /s/__________________________________
President, INTEGRITY TEXAS FUNDING LP
Date: 12 Jun 2020
Lender Direct Draft Date: ___________________
12 Jun 2020 Loan # 43027977
____________
INTEGRITY TEXAS FUNDING LP (“Lender”)
Pay To The Order Of______________________________________________________

(Name of customer)
The Sum Of Seven Hundred Fifty & 00/100 DOLLARS (__________)
$750.00
This draft represents Lender’s loan proceeds for Lender’s loan to Customer referenced above that was
arranged by SCIL TEXAS, LLC DBA WWW.SPEEDYCASH.COM This draft is payable by Lender upon presentment to Lender at the
address below.
84 VILLA RD
GREENVILLE SC 29615
8008562911
By: /s/ JOHN WESTON

(authorized signature of Lender as Drawer)
Endorsement by Customer
Pay to the order of SCIL TEXAS, LLC DBA WWW.SPEEDYCASH.COM
_________________________________________
(Signature of Customer)
TXIME1620130529
OPTIONAL LOAN PAYMENT AUTHORIZATION (LOAN NO. __________________)
43027977
AGREEING TO THIS AUTHORIZATION IS OPTIONAL. IF YOU DO NOT WISH TO MAKE LOAN PAYMENTS
BY THE METHODS DESCRIBED BELOW, PLEASE (1) NOTIFY US BY EITHER INFORMING A CUSTOMER
REPRESENTATIVE OR CALLING 888-333-1360; AND (2) DO NOT SIGN THS DOCUMENT.
Payment Card Card No. Ending In: 7140

Bank Account Account No. Ending In: XXXXXX3019
Authorization for Loan Payments.
The Loan and Note: This Optional Loan Payment Authorization ("OLPA ") is given in connection with the
loan identified above (the “Loan”). It supplements the loan agreement or promissory note you have
signed for the Loan (the “Note”).
Scheduled Payments on the Loan: We may initiate electronic payments on the above Payment Card
and/or the above Bank Account to seek scheduled payments on the Loan (“Scheduled Payments”) on
the dates set forth in the Note’s payment schedule, or as reflected in your periodic billing statement (if
applicable), or in some cases at later times—for example, the day after a holiday or weekend when the
payment would otherwise be due, the day after a courtesy payment deferral expires or the day we
resolve an unforeseen technological issue such as the unavailability of our ACH processor.
Past Due Payments and Other Amounts Due: At any time and from time to time, we may initiate
electronic payments on the Payment Card and/or the Bank Account to seek payment of: (1) any past
due amount on the Loan: (2) any returned item (“RI”) fee (not applicable in Tennessee); or (3) the
balance due on the Loan after its maturity or after we declare the entire balance to be due ((1)-(3)
collectively, “Collection Payments”). We may initiate Collection Payments at the same time as we initiate
Scheduled Payments. Whenever any ACH item is returned to us for any reason, we may, but are not
required to, reinitiate an ACH entry to your Bank Account up to two additional times as permitted by
applicable ACH rules.
Authorization to Vary Scheduled Payment Amount and Right to Receive Notice of Variance: We will
seek Scheduled Payments in the amounts set forth in the Note’s payment schedule or in any lower
amount (for example, if you have made a partial payment prior to the date of the Scheduled Payment).
We may increase the final Scheduled Payment by an amount up to 50% of the originally disclosed
amount, for example, if you have made one or more prior payments later than the scheduled date
and/or in an amount less than the Scheduled Payment amount, or if you have missed any payments.
You have the right to receive written notice if a Scheduled Payment will vary from the amount of the
prior payment or the amount set forth in the payment schedule of the Note. To exercise this right, please
send a written request to us at P.O. Box 780408, Attn: ACH Payments, Wichita, KS 67278. Unless you
exercise this right, you authorize us to vary the amount of any Scheduled Payment, without notice, to
any amount from $0 to the amount of the scheduled (or agreed upon) payment and, in the case of the
final Scheduled Payment to an amount up to 50% above the originally disclosed amount.
Final Payment on Loan: In addition to the final Scheduled Payment on the Loan, on or after the final
scheduled payment date, we may initiate Collection Payments to seek payment of any remaining
amount you owe us (for example, as a result of prior late or partial payments). In no event will we initiate
payment for an amount greater than the amount outstanding under the Note.
Payments You Subsequently Request: Instead of or in addition to any payments described above, you
authorize us to honor any subsequent phone, text, online or email instructions from you to initiate one or
more electronic payments—for example, in connection with any modified payment plan we agree upon
with you.
Bank Account Payment Methods: When we initiate a payment from the Bank Account, we may process
the payment as an ACH or other electronic payment or, instead, we may create and deposit a remotely
created check ("RCC") or remotely created payment order payable on demand ("RCPO"). RCCs and
RCPOs generally look like checks you would write but they do not have your signature, and RCPOs
may exist only as electronic images. RCCs and RCPOs generally post to the Bank Account in the same
way as regular checks you write.
USIXE2220190522 Page 1 of 3
*341147027.105*
Payment Information. To obtain current Loan and payment information, such as amounts and due dates of
upcoming payments, amounts and dates of past payments, the outstanding balance of your Loan and the
anticipated repayment method of your next Scheduled Payment, please contact a customer service
representative at 888-333-1360.
Authorization to Correct Errors and Modify Payments. In the event we make an error in seeking any
payment authorized above, you authorize us to correct the error by initiating an electronic payment to or from
the Payment Card or Bank Account.
Bank Fees. You understand that your bank may charge you a fee for each Bank Account payment that is
returned unpaid (and in some cases for successful payments that overdraw the Bank Account or any bank
account attached to the Payment Card). You agree that we are not liable to you regarding any such fees. IN
THE EVENT THAT YOU BECOME AWARE THAT YOU DO NOT HAVE SUFFICIENT FUNDS TO COVER A
PAYMENT, PLEASE CALL US AS SOON AS POSSIBLE AT 888-333-1360 SO WE CAN TRY TO MAKE
ALTERNATIVE ARRANGEMENTS WITH RESPECT TO THAT PAYMENT AND SAVE YOU POSSIBLE BANK
FEES.
Cancelling or Changing this OLPA. You may change the Payment Card and/or Bank Account and may also
cancel this OLPA as to: (1) Scheduled Payments; (2) Collection Payments; or (3) both Scheduled Payments and
Collection Payments at any time. To take any such action, you must visit one of our stores; call us at
888-333-1360; write us at P.O. Box 780408, Attn: ACH Payments, Wichita, KS 67278; email us at
customerservice@speedycash.com; or use any other method we provide. In no event shall any modification or
cancellation of this OLPA be effective with respect to payment entries processed by us prior to the time we
receive a modification or cancellation notice from you and have a reasonable chance to act on such notice. If
you cancel or change this OLPA, we may (but need not) require you to confirm your action in writing or,
alternatively, ourselves confirm your action in writing.
Miscellaneous. You promise that you are an authorized user of the Payment Card and an authorized signer on
the Bank Account.
Our successors, agents and service providers may exercise our rights under this OLPA.
If you inadvertently transpose a digit or make a similar error in providing us with information about the Payment
Card or Bank Account, you authorize us to correct the error after verifying the information.
If we receive information that the Payment Card or Bank Account has been replaced, we may treat the
replacement payment card or bank account as the Payment Card or Bank Account.
This OLPA supplements the Note and is subject to all of the Note's provisions, including the Arbitration Provision
(if any). However, in the event of any conflict between the Note and this OLPA, this OLPA shall control. In the
event of any conflict between this OLPA and any subsequent OLPA with respect to this Loan, the subsequent
OLPA shall control.
THE REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK
Payment Cards on Your Card Nos. Ending In:
Account 7140
OPTIONAL PAYMENT CARD AUTHORIZATION
Purpose of Authorization: This Optional Payment Card Authorization ("OPCA") is designed to identify all
Payment Cards on your Account—the Payment Cards we may use to collect non-scheduled payments on any
loan from us, past, present or future (each, a “Loan”).
Authorization for Collection Payments. We want you to know that the payment cards identified above (the
“Payment Cards”) are currently associated with your Account. By signing this OPCA, you agree that we may
initiate electronic payments on any of these Payment Cards to collect non-scheduled payments on any of our
Loan(s) to you, including: (1) any past due amount; (2) any returned item (“RI”) fee (not applicable in
Tennessee); or (3) the balance due after maturity or after we declare the entire balance due.
Optional Loan Payment Authorizations: This OPCA supplements any Optional Loan Payment Authorization
you have signed or are entering into in connection with a specific Loan (an “OLPA”). If a previously executed
OLPA identifies a Payment Card that is not shown on this OPCA, we will no longer use such Payment Card for
any payments under the OLPA. If a subsequently executed OLPA identifies a Payment Card that is not shown
on this OPCA we will deem this OPCA to be amended without further action to: (1) add such Payment Card to
your Account; and (2) if adding such Payment Card would result in more than four Payment Cards on your
Account, to remove from your Account a Payment Card of your choice (or our choice, if you do not express a
choice of your own). We do not need to give you notice of such actions but will advise you, upon request, of the
Payment Cards on your Account.
Authorization to Correct Errors and Modify Payments. In the event we make an error in seeking any
payment, you authorize us to correct the error by initiating an electronic payment to or from the affected
Payment Card.
Changing this OPCA. You may change the Payment Card(s) on your Account at any time (and may eliminate
any or all Payment Cards on your Account) by executing a revised OPCA or using any other method we
provide. You must visit one of our stores; call us at 888-333-1360; write us at P.O. Box 780408, Attn: ACH
Payments, Wichita, KS 67278; email us at customerservice@speedycash.com; or go online to
Speedycash.com. If we allow you to change this OPCA without signing a new OPCA, we may (but need not)
confirm your action in writing.
Miscellaneous. You promise that you are an authorized user of each Payment Card on your Account.
Our successors, agents and service providers may exercise our rights under this OPCA
If you inadvertently transpose a digit or make a similar error in providing us with information about a Payment
Card, you authorize us to correct the error after verifying the information.
If we receive information that any Payment Card has been replaced, we may treat the replacement payment
card as a Payment Card on your Account.
This OPCA supplements each loan agreement or promissory note with us that you have signed. In the event of
any conflict, this OPCA shall control. However, if you have agreed to arbitrate disputes with us, this OPCA is
subject to your arbitration agreement (or the most recent arbitration agreement to which you are subject).
BY SIGNING BELOW, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE
BOUND BY THE TERMS ABOVE (INCLUDING ANY OLPA ABOVE), AND YOU ACKNOWLEDGE THAT
YOU HAVE RECEIVED A COPY OF THIS OPCA (AND ANY OLPA ABOVE).
Date: 12 Jun 2020 12:38 PM /s/ KIMBERLY DOVE DURDIN

Customer: /s/________________________________

Kimberly Dove Durdin: Integrity Texas Funding LP

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KIMBERLY DOVE DURDIN

Customer Name: _________________________________________

Date: 12 Jun 2020

SPEEDY CASH Transaction No.

Customer's Signature: KIMBERLY DOVE DURDIN

SCIL TEXAS, LLC DBA WWW.SPEEDYCASH.COM

Date Written: 12 Jun 2020

I hereby cancel this transaction.

Buyer’s Name: KIMBERLY DOVE DURDIN

Date Written: 12 Jun 2020

I hereby cancel this transaction.

Buyer’s Name: KIMBERLY DOVE DURDIN

LENDER: INTEGRITY TEXAS FUNDING LP BORROWER: KIMBERLY DOVE DURDIN

FEDERAL TRUTH-IN-LENDING ACT (“TILA”) DISCLOSURES

ANNUAL FINANCE CHARGE Amount Financed Total of Payments

Your Payment Schedule will be:

Itemization of Amount Financed:

1. Amount given to you directly (loan proceeds): $750.00

ARBITRATION AND JURY TRIAL WAIVER

(c) GIVE UP THE RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN