Texas Additional Application Terms

ADDITIONAL APPLICATION TERMS

WARNING: An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

Credit Services Organizations/Third-Party Lender(s): TitleMax is a credit services organization registered with the Texas Secretary of State and a credit access business licensed and examined by the Texas OCCC. TitleMax does not make loans. TitleMax helps consumers obtain loans from a third-party lender (a “Lender”). The undersigned authorizes TitleMax to exchange non-public personal information about him or her with a Lender in order to facilitate Lender’s decision as to whether to approve the undersigned for a loan.

Communications: You agree that TitleMax, its affiliates and their authorized representatives may contact you about your Credit Application and your TitleMax account, by any of the following methods: (i) calling you at any number you provide on this Credit Application or in your account, including your cell phone, with an automatic telephone dialing system or pre-recorded message; (ii) leaving you messages on any voicemail or answering machine associated with such phone numbers; and (iii) writing to you, via U.S. postal service and/or electronic mail. Receipt of cellular phone calls may be subject to charges from your service provider. You may change your contact preferences at any time by calling us at 1-800-804-5368. Changes to your contact preferences will not impact the review of your Credit Application or the credit approval process.

Review and Validation of Application Information: You authorize TitleMax to verify all information provided in this Credit Application as follows: (a) by obtaining and reviewing information about you from one or more consumer reporting agencies and other information sources; (b) by obtaining and reviewing past or current credit and payment history information about you from affiliates and third party source(s); and (c) by contacting any person or company listed on this Credit Application, including any persons that you may add at a later date.

Important Information about Procedures for Opening an Account: To help the government fight the funding of terrorism and money laundering activities, TitleMax obtains, verifies and records information that identifies each person who opens an account.

Updates: The undersigned agrees to inform TitleMax of any changes to the information contained in this Credit Application throughout the course of the application process and business relationship with us.

NOTICE OF ARBITRATION AGREEMENT: EACH APPLICANT WHO SUBMITS A FULL CREDIT APPLICATION WILL BE REQUIRED TO ENTER INTO A SEPARATE WAIVER OF JURY TRIAL AND ARBITRATION AGREEMENT (THE “ARBITRATION AGREEMENT”) WITH TITLEMAX AS A CONDITION TO SUBMITTING THIS CREDIT APPLICATION AND IN CONSIDERATION OF TITLEMAX ACCEPTING AND CONSIDERING THIS CREDIT APPLICATION. YOU MAY OPT-OUT OF ARBITRATION AS DESCRIBED IN THE ARBITRATION AGREEMENT. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO HAVE A JURY TRIAL, TO ENGAGE IN DISCOVERY (EXCEPT AS MAY BE PROVIDED FOR IN THE ARBITRATION RULES), AND TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS OR IN ANY CONSOLIDATED ARBITRATION PROCEEDING OR AS A PRIVATE ATTORNEY GENERAL. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN ARBITRATION.

Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580, www.ftc.gov.