MISSISSIPPI CHECK CASHER (DEFERRED PRESENTMENT)

NOTICE: FEES FOR DEFERRED PRESENTMENT TRANSACTIONS MAY BE SIGNIFICANTLY HIGHER THAN FOR OTHER TYPES OF LOANS.

Checks With $250 Or Less In Face Value: The APR calculation is based on a transaction with a 14-day term. Your APR may be different if your transaction term is not 14 days. The APR of your transaction will be disclosed in the federal Truth-In-Lending Statement contained in your contract. Money Matters charges 20% for these transactions. The Total of Payments represents the amount of the check you will write to us.

Checks Over $250 In Face Value: The APR calculation is based on a transaction with a 30-day term. Your APR may be different if your transaction term is not 28 days. Note, however, that state law permits us to defer deposit or collection of more than $250 and not more than $500 for a period of only 28 days, 29 days, or 30 days. The APR of your transaction will be disclosed in the federal Truth-In-Lending Statement contained in your contract. Money Matters charges 21.95% for these transactions The Total of Payments represents the amount of the check you will write to us.

No other fees may be charged for these transactions, except if a check “bounces” once it is deposited at a bank, then the provider may charge a one-time NSF fee of $30.00. You cannot be arrested or sent to jail for passing a “worthless” check unless the check was returned due to an account closed prior to the day of the loan.

Maximum Loan Amount: The law limits the maximum loan amount that any one borrower may have, either singularly or combined, to $410.

Term: Deferred Presentment transactions with a face value not exceeding $250 can have a maximum repayment term of 30 days. Deferred Presentment transactions with a face value exceeding $250 can have a minimum repayment term of 28 days and a maximum repayment term of 30 days.

Renewal: Your transaction is due on the maturity date. You may obtain another transaction once this one is paid-in-full.

Customer Agreement: You will be given a copy of the Deferred Presentment Services Agreement. You have the right to read the Agreement before you sign it. You have the right to ask questions of the provider’s staff until you thoroughly understand everything in the Agreement. You also have the right to walk away from the Agreement before you sign it.

Complaints: Money Matters is a licensed Check Casher (Deferred Presentment provider) in Mississippi. To report any unresolved problems with Money Matters, contact the Mississippi Department of Banking and Consumer Finance, P.O. Box 12129, Jackson, Mississippi 39236-2129. Telephone: (601) 321-6901. Website: www.dbcf.ms.gov.

ALABAMA DEFERRED PRESENTMENT

NOTICE: FEES FOR DEFERRED PRESENTMENT TRANSACTIONS MAY BE SIGNIFICANTLY HIGHER THAN FOR OTHER TYPES OF LOANS.

Maximum Fee: The most that any Deferred Presentment provider may charge for Deferred Presentment transactions is 17.5% of the cash advanced. Money Matters charges 17.5% for these transactions. The following table illustrates Money Matters fee structure:

No other fees may be charged for these transactions, except if a check “bounces” once it is deposited at a bank, then the provider may charge a one-time NSF fee of up to $30.00. And if the provider must go to court to enforce payment of this loan, then you may be assessed court costs and up to 15% of the face amount of the check as attorney’s fees. You cannot be arrested or sent to jail for passing a “worthless” deferred presentment check unless the check was returned due to an account closed prior to the day of the loan.

Maximum Loan Amount: The law limits the maximum loan amount that any one borrower may have with all Deferred Presentment providers to $500. The provider will be verifying your other outstanding deferred presentment loans with a database to determine compliance with the law.

Term: Deferred Presentment transactions cannot be made for a term of less than 10 days or more than 31 days.

Renewal: Your transaction is due on the maturity date. You may obtain another transaction once this one is paid-in-full. However, if you cannot repay the total amount due, then, if offered by the provider, you may renew this transaction one more time upon payment of an additional fee. If you cannot pay the total amount due at that time, then, at the provider’s option, you may extend your repayment into four equal monthly installments at no additional cost.

Customer Agreement: You must be given a copy of the provider’s Deferred Presentment Services Agreement. You have the right to read the Agreement before you sign it. You have the right to ask questions of the provider’s staff until you thoroughly understand everything in the Agreement. You also have the right to walk away from the Agreement before you sign it.

Complaints: Money Matters is a licensed Deferred Presentment provider in Alabama. To report any unresolved problems with Money Matters, contact the STATE BANKING DEPARTMENT, Bureau of Loans, P.O. Box 4600, Montgomery, Alabama 36103-4600. Telephone: (334) 242-3452. Website: www.banking.alabama.gov.