Full Disclosure.

We agree to disclose all of the loan costs as a dollar amount and as an annual percentage rate ("APR").

Responsible Lending.

We will promote only the responsible use of the payday loan service to our clients on all of our advertising and marketing materials including online advertisements. We will not falsely advertise the payday loan service or in any way mislead or deceive the public.

Right to Rescind.

All customers have the right to rescind a payday loan at no personal cost on or before the close of the following business day.

Responsible Collection Processes.

We must collect past due accounts in a professional, fair and lawful manner.

No Wage Assignments.

A Member may not take a wage assignment as security on a payday loan.

Loan Amount.

A Member shall not grant a payday loan that exceeds $1500.

Toll-Free Consumer Line.

All members will provide a toll free number for consumers, available in all areas they provide service to.

Comprehensive Website Security and Consumer Privacy.

We will maintain SSL security on the portion of our website where consumers enter information as well as a privacy statement on all web sites.