This is an electronic copy of the payday loan agreement that you make with Capital Advance when acquiring a payday loan. Certain references are generic or refer to a paper based agreement. By using the online loan wizard, you are required to agree and be bound by the same terms and conditions as customers who acquire a payday loan by physically coming into the store.

This agreement sets forth the terms of your payday loan transaction. Before signing below, please read this agreement carefully, including the terms on the back. The words "you and "your" refer to the customer who signs this agreement. The words "we," "us," and "our" refer to Capital Advance, Inc. The boxed in disclosures are part of the terms and conditions of your agreement with us.

Payday Loan Terms: You promise to pay us _______ and have given us your check payable to Capital Advance for that amount. You acknowledge that you have received form us the loan principle amount of _______ and agree that we may defer deposit of your check until _____________________. The total fee charged by us for this payday loan is _______. The annual percentage rate figure in the box below is based on our fee being add-on interest, which we fully earn as of the date of this agreement. We do not accept any collateral, other than your check, in connection with this payday loan transaction.

Electronic Check Deposit: The check you have provided for payment of this loan may be presented to your bank as an electronic funds transfer. We may initiate a debit entry to your account in order to receive payment. By signing this agreement, you authorize us to electronically deposit and collect your check in the amount of the total of payments shown in the box below. This authorization will remain in effect unless you revoke it in writing prior to the payment due date.

Payment Plan: If you have four (4) successive payday loans with us, you will be entitled, at your option, to enter into a payment plan with us. Successive loans are defined as loans made less than four (4) days apart. A payment plan will allow you, by paying a one-time fee equal to the finance charge on your loan, to spread out payments on the loan over a longer period. Upon your request, we will provide you with more detailed information about this option.

Right to Rescind: You have the right to cancel this loan at any time before the close of business on the next day we are open following the day the loan is made. If you decide to cancel the loan, you must pay us _______ in cash, a certified check, a cashier's check or a money order. If you cancel this loan, we will give your check back to you.

Itemization of Amount Financed of _________    (Amount Given to You Directly)

ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate.	FINANCE CHARGE The dollar amount the credit will cost you.	AMOUNT FINANCED The amount of credit provided to you or on your behalf.	TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled.
______.___%	$______.___	$______.___	$______.___

Payment Schedule: One payment in the amount of _______ due on ___________________________________

Security: Your check is security for this loan.

Prepayment: If you pay off this loan early, you will not be entitled to a refund of any part of the finance charge.

Refer to the terms and conditions on the back of this agreement for additional information about nonpayment and default.

Caution: It is important that you read this Agreement and Disclosure carefully before you sign it. By signing below, you acknowledge that 1) You have read and received a copy of this Payday Loan Agreement and Disclosure; and 2) You agree to the above terms as well as other terms and conditions, including the arbitration agreement and privacy notice, set forth on the reverse side of this agreement.

_____________________________	_____________________________	_______________________
Customer Signature	Capital Advance Representative	Date Signed/Check Number

Contract # _________

Other Terms: If your check is lost, mutilated or destroyed so that it cannot be deposited into our bank, you authorize us to print a check for the total of payments to present to your bank for payment. If your check is returned unpaid by your bank, we will charge you a one-time $25 returned check fee. If your check is returned unpaid for insufficient funds, we may re-present your check electronically. Electronically re-presented checks will not be provided to you with your bank statement, but you can retrieve a copy of your check by contacting your financial institution. A refund will be issued if there is a discrepancy between the amount paid by your bank and the amount owed to us.

Collection Costs and Arbitration: In the event of default of payment and/or failure to pay, you agree to pay the cost of collection including court costs as allowable under Washington law. If you have a dispute, claim or controversy arising out of or relating in any way to this agreement other than your delinquency, lack of timely payment or default then you agree to final and binding arbitration rules. The cost of said arbitration shall be paid by the losing party. It is understood by all parties that this arbitration section in no way prohibits us from taking legal action against you for your delinquency, default, or lack of timely payment on this obligation.

Loan Size and Fee Amount
$50.00	for $7.50		$400.00	for $60.00
$100.00	for $15.00		$450.00	for $67.50
$150.00	for $22.50		$500.00	for $75.00
$200.00	for $30.00		$550.00	for $80.00
$250.00	for $37.50		$600.00	for $85.00
$300.00	for $45.00		$650.00	for $90.00
$350.00	for $52.50		$700.00	for $95.00