FREQUENTLY ASKED QUESTIONS

1. Why do a payday loan? – payday loans can provide immediate access to short term cash when you need it most. No waiting for an answer after tons of paperwork at the bank. Why take out a long term loan when all you need is cash for less than 30 days? The fees are typically more reasonable than bank NSF or overdraft charges and are regulated by state laws to ensure fairness to the consumer. So, to summarize – we’re faster, often cheaper and more convenient than other financial institutions and have better hours when you need it most (evenings and weekends).

2. What are the requirements to be eligible for a payday advance? You will need your most recent bank statement for your open & active personal checking account; your most recent pay stub or proof of fixed income; a recent phone bill on your currently working landline or cell phone; and photo identification with proof of your social security number if it’s not printed on the ID. Of course, you will need to bring a blank check to write for the actual advance.

3. What are the fees to do a payday loan? The standard fees is $17.65 per $100 borrowed. Please go to Legal Disclosures/ Fee Schedule for detailed fee and annual percentage rate information.

4. Why would I choose U.$. Cash Advance over one of the other service providers? U.$. Cash Advance associates and management understand that we only exist to serve you the customer. We pledge to offer the best possible service and atmosphere so as to make you feel completely comfortable being our valued customer. Our clients deserve fast, no hassle access to cash to meet their short term needs in a clean, friendly & safe environment. Were not some big, out of state corporation only looking to please it’s stockholders. Were locally owned & operated by people like you. Additionally we stand committed to provide: convenient locations near home, work or shopping. late hours Monday’s & Friday’s until 7pm; Saturday’s 10 am – 3 pm pre-approvals over the phone to ensure we save you time and confirm you’ll be eligible for the amount of money you need. flexible due dates which are matched to your pay date – need an extra day to come see us? No problem – just ask your Loan Associate. $15 referral bonuses for every new customer – no limits! competitive fees – we want to be your primary cash advance provider and will match all competitor’s coupons.

5. What is your company's Privacy Policy? See the detailed Privacy Notice here.

LEGAL DISCLOSURES Kentucky Deferred Deposit license # 06918. U.$ Cash Advance conforms to all applicable state and Federal guidelines. Your store Associate can provide you with any information you might need. See below for the actual fee schedules by state.

KENTUCKY LOAN FEES Deferred Deposit Fee Schedule per $ Amount To Receive:  Fee State Fee  Make Check for   APR $50.00 $8.83 $1.00  $59.83 458%  $100.00  $17.65 $1.00  $117.65  458% $150.00  $26.48  $1.00  $177.48  458%  $200.00 $35.30 $1.00 $236.30 458%   $250.00 $44.13 $1.00 $295.13  458%   $300.00 $52.92 $1.00 $353.95 458%   $350.00 $61.78 $1.00 $412.78 458%   $400.00 $70.60 $1.00 $471.60 458%   $425.00 $75.00 $1.00 $501.00 458%   $500.00 $88.25 $1.00 $589.25 458%

KENTUCKY CHECK CASHING RATE Check Cashing - Fee Schedule Fee amounts are $2.90 per $100 face value of check being cashed or 2.9%. Your actual total fee amount will vary depending on the amount of the check being cashed. The chart below illustrates the Check Cashing fees relative to the dollar amount of the check.Subject to terms and conditions. Please see Store Associate for more detailed information or with any questions.   Make Check For:                                          Fee:                               To Receive: $50.00 $100.00 $150.00 $200.00 $250.00 $300.00 $350.00 $400.00 $450.00 $500.00 $550.00 $600.00 $650.00 $700.00 $1.45 $2.90 $4.35 $5.80 $7.25 $8.70 $10.15 $11.60 $13.05 $14.50 $15.95 $17.40 $18.85 $20.30 $48.55 $97.10 $145.65 $194.20 $242.75 $291.30 $339.85 $388.40 $436.95 $485.50 $534.05 $582.60 $631.15 $679.70

PRIVACY POLICY At U.$. Cash Advance we are committed to protecting the privacy of our customers. We are providing this notice to help you understand how we may collect information about you, the type of information we my collect, and what information we may disclose about you to non-affiliated third parties. Be assured, we will continue to protect your personal information and privacy. Privacy Notice: Please take moment to read the following Privacy Notice for some important information about our privacy policy and your rights. Our most important asset is our customer’s trust. We maintain procedural safeguards to protect your personal information. We permit only authorized persons to have access to your information. We are permitted by law to obtain or disclose information in order to effectively carry out or enforce a transaction that you have requested. It is important for you to know that we at U.$. Cash Advance do not sell customer information to businesses for surveys, mailings lists, or solicitations. The following terms are defined in order that you may have a complete understanding of our policy. Nonpublic personal information means personally identifiable financial information that you have provided, information regarding your transaction, or other information obtained. It does not include publicly available information. Non-affiliated third parties means any entity that is not affiliated with U.$. Cash Advance by ownership or corporate control. Information We May Collect: Information We May Disclose: We may collect nonpublic personal information about you information you from the following sources: * Information from a consumer reporting     agency * Information from a bank * Information from your application * Other information you provide us We may disclose nonpublic personal about you to non-affiliated third parties. We may disclose information we receive from your transaction such as: * Information from consumer reporting * Name, address, phone number * Income and source of income * Balance and payment history We May Disclose Information To The Following Types Of Third Parties: * Banks * Deferred Deposit Companies * Debt Collection Companies * Loan Companies * Consumer Reporting Companies

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