TRADITIONAL REPAYMENT SCHEDULE
As you all know, the global market crisis we are currently dealing with was due in part to the use of predatory lending from the financial sector. Mainly
focused on mortgage lending institutions, citizens both domestic and abroad took on these easy to come by loans without first realizing the
repercussions of their actions. Another lending instrument many foolish individuals such as yourself make use of is Payday Loans. Payday loans can
also be known as a paycheck advance, a cash advance, or a payday advance depending on who is offering one. With “The Bank of Banker Dave” we
take Payday Loans to an entire new level of financial fuckery, you’ve ever experienced! Consider it the worst fucking loan you’ll ever get in your life.

Why is this the worst loan you will ever see in your life? Well, when you take out a reverse predatory loan from Banker Dave, the loan origination
amount goes straight into my pocket, not yours! Not only does the original amount go directly into my wallet, but you are also required to pay back the
loan in its entirety, along with associated fees and allocated interest over the term of the loan to “The Bank of Banker Dave,” also known as... well.... ME!

PAYMENT TERMS
Payments must be made via NiteFlirt Payments or Paypal. See the rest of this Agreement for additional information about the method of payment, our rights in the event of
nonpayment, late payment charges, and any required repayment before the schedule date and prepayment penalties.

DISCLOSURE AGREEMENT
The disclosure below is required by the Federal Truth-In-Lending Act. The amount stated in the Amount Financed box consists solely of the amount of cash the Customer (You)
have received and deposited into Banker Dave's account. The amount shown in the Finance Charge box is deemed as a Loan Origination Service Fee and not Interest. The
Customer, shown above, promises to pay the Licensee, shown above, the amount set out above as the Total of Payments in accordance with the above Payment Schedule. To
satisfy this obligation, the Customer has been issued the Bank Access Card (agreement attached) to make scheduled payments as shown on the FNBD online banking account.

The Customer agrees that if for any reason funds are not paid in accordance with the agreement, customer will pay the Licensee the full remaining amount of the loan
agreement on demand, along with the default interest rate of 50% on the remaining principle, as well as a $30.00 Non-Sufficient Funds (NSF) service charge. Any payments made
after the set due date will incur a $15.00 late fee. Late fees will be added weekly for a period no longer than four (4) weeks. If payments aren't received after this time period, the
loan is in default. By applying for this loan on our website, you acknowledge that this transaction is binding, that you have read it in full, and agree to all of its terms.

COLLECTION POLICY
The Customer hereby agrees to be responsible for any costs of collection that may incur as a result of this account being defaulted upon. This amount may include a fee up to
50% of the amount assigned for collection. Any customer may prepay any payment, but will be charged a 50% prepayment penalty.
TRADITIONAL REPAYMENT SCHEDULE
EXTENDED REPAYMENT SCHEDULE
PRINCIPLE
LOAN AMOUNT
NUMBER OF
INSTALLMENTS
PAYMENT PER
INSTALLMENT
FIXED
INTEREST RATE
LOAN
ORIGINATION FEE
FINAL PAYMENT
DUE
$25.00
1
$42.50
30%
$10.00
1 Week
$50.00
1
$75.00
30%
$10.00
1 Week
$75.00
1
$107.50
30%
$10.00
1 Week
$100.00
2
$72.50
25%
$20.00
2 Weeks
$200.00
2
$135.00
25%
$20.00
2 Weeks
$250.00
2
$166.25
25%
$20.00
2 Weeks
$500.00
4
$157.50
20%
$30.00
4 Weeks
$750.00
4
$232.50
20%
$30.00
4 Weeks
$1,000.00
4
$307.50
20%
$30.00
4 Weeks
EXTENDED PAYMENT LOANS SCHEDULE
$25.00
2
$30.00
40%
$25.00
2 Weeks
$50.00
2
$47.50
40%
$25.00
2 Weeks
$75.00
2
$65.00
40%
$25.00
2 Weeks
$100.00
4
$42.50
35%
$35.00
4 Weeks
$200.00
4
$76.25
35%
$35.00
4 Weeks
$250.00
4
$93.13
35%
$35.00
4 Weeks
$500.00
8
$87.50
30%
$50.00
8 Weeks
$750.00
8
$128.13
30%
$50.00
8 Weeks
$1,000.00
8
$168.75
30%
$50.00
8 Weeks
PREDATORY LENDING
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