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Truth in Lending Disclosure

Federal Truth in Lending Act (T.I.L.A) Disclosure

Regulation B in Federal Law prohibits the consideration of Age, Sex, Race, Ethnicity, Gender, National Origin, or Handicap as a basis for making anyone a loan (as in our cash advance). Go Cash Loans, through its website does not discriminate based on any of these factors. In addition GO CASH LOANS will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices.

Regulation Z in Federal Law requires the full disclosure of all costs and terms associated with any credit purchase or transaction (such as this cash advance) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or A.P.R. Below all costs, terms and rates associated with the GO CASH LOANS cash advance or payday advance programs are given.

Pursuant to Utah Law, the services provided for cashing a check are considered a Deferred Presentment Loan, and as such, all fees are defined accordingly. In the event this transaction is within the broad scope of 15 U.S.C. 1601 et seq., we are providing you with the Truth in Lending Disclosures set forth below solely for your information. This document is for disclosure purposes only and does not affect the character of the fee or transaction under Utah Law.

GO CASH LOANS provides short-term cash advances or payday advances in which your check is held for deposit until your next payday, unless your next payday is less than 7 days away. In this case your check will be held until your second payday. The maximum advance term is 30 days.

With a cash advance you are charged a flat fee no matter when your advance is repaid (subject to the 30 day maximum term). Because the fees are fixed per advance amount, the Annual Percentage Rate (APR) will vary depending on the number of days that pass between the date you receive your advance and the day your check is deposited. You may be entitled to a prorated refund depending on the date of payment.

Although cash advances are for short-term needs and are intended to be paid off quickly, various Truth-in-Lending laws require financing disclosures to be expressed as an Annual Percentage Rate (APR), or the cost of the credit advanced to you expressed as an annual rate. This requirement provides uniformity among various credit sources, so you can compare rates and make the choice that is right for you.

GO CASH LOANS charges $25 per $100 advanced to you. This financing fee is shown in the annual percentage rate calculations below.

Term (in days)	Loan Amount
	$200		$300		$400		$500
	Fee	APR	Fee	APR	Fee	APR	Fee	APR
7	$50	1303.57%	$75	1303.57%	$100	1303.57%	$125	1303.57%
8	$50	1140.62%	$75	1140.62%	$100	1140.62%	$125	1140.62%
9	$50	1013.88%	$75	1013.88%	$100	1013.88%	$125	1013.88%
10	$50	912.50%	$75	912.50%	$100	912.50%	$125	912.50%
11	$50	829.54%	$75	829.54%	$100	829.54%	$125	829.54%
12	$50	760.42%	$75	760.42%	$100	760.42%	$125	760.42%
13	$50	701.92%	$75	701.92%	$100	701.92%	$125	701.92%
14	$50	651.78%	$75	651.78%	$100	651.78%	$125	651.78%
15	$50	608.33%	$75	608.33%	$100	608.33%	$125	608.33%
16	$50	570.31%	$75	570.31%	$100	570.31%	$125	570.31%
17	$50	536.76%	$75	536.76%	$100	536.76%	$125	536.76%
18	$50	506.94%	$75	506.94%	$100	506.94%	$125	506.94%
19	$50	480.26%	$75	480.26%	$100	480.26%	$125	480.26%
20	$50	456.25%	$75	456.25%	$100	456.25%	$125	456.25%
21	$50	434.52%	$75	434.52%	$100	434.52%	$125	434.52%
22	$50	414.77%	$75	414.77%	$100	414.77%	$125	414.77%
23	$50	396.74%	$75	396.74%	$100	396.74%	$125	396.74%
24	$50	380.21%	$75	380.21%	$100	380.21%	$125	380.21%
25	$50	365.00%	$75	365.00%	$100	365.00%	$125	365.00%
26	$50	350.96%	$75	350.96%	$100	350.96%	$125	350.96%
27	$50	337.96%	$75	337.96%	$100	337.96%	$125	337.96%
28	$50	325.89%	$75	325.89%	$100	325.89%	$125	325.89%
29	$50	314.65%	$75	314.65%	$100	314.65%	$125	314.65%
30	$50	304.17%	$75	304.17%	$100	304.17%	$125	304.17%