I confirm and agree that I have received the full amount Of the Loan.

I promise that I will repay the Loan, together with interest (the "interest") at the rate of 20% per $100.00 from today's date to the date is repaid in full, whether before or after maturity, default or judgment, in accordance with the terms and conditions hereof, to CASH LENDER at its address set forth above on or before the "Due Date".

If I am provided with the loan and a copy of this agreement that complies with the Act when I enter into the agreement, I may cancel the agreement within two (2) business days of entering into it. For remote payday loan agreements*, I may cancel the agreement within two (2) business days of entering into it if I am provided with the loan within one hour of entering into the agreement and I am provided with a copy of this agreement that complies with the Act when I enter into the agreement.

At any time during regular business hours, the borrower may contact CASHLENDER at 1826 Dundas Street East - Unit B., London, Ontario, N5W 3E8 or by telephone at 519-453-9999.

On or before the "DUE DATE", payment may be made to CASHLENDER by the borrower in the form of cash,debit or credit card (Visa or MasterCard) on the loan amount or portion thereof.

As security for my obligation to pay the Loan and the Interest (collectively, the "Repayment Amount") to CASHLENDER on or before the Due Date, I will at the time of signing the Agreement provided to CASHLENDER a first party cheque (the 'Cheque') payable to CASH LENDER in the exact amount of the loan,payable on the next paydate of the month.

I promise that the Cheque is drawn on an active bank account, opened in my name, that I have the proper authority to issue the Cheque and that the Cheque has not been altered, forged, stolen or obtained by fraud or any other illegal means. I further promise that I am not insolvent, I am able to pay my debts as they become due and that I do not have any loans outstanding or owing to any person or company, other than CASH LENDER, that provides payday loans or cash advances.

In the event that my Cheque is dishonored by my bank for any reason whatsoever, in addition to the Repayment Amount and the Cheque Cashing Fee set forth above, I agree to immediately pay to CASHLENDER a $50.00 service charge in connection with the dishonored cheque. Should my account become delinquent, any further legal costs as set out by a court of law shall be applied in accordance with any judgments applied. In addition, interest will begin to accrue on said defaulted loan at a rate of 59% per annum
as allowed by the Criminal Code of Canada. In addition to the copy of the payday loan agreement that you have received under subsection 29 (1) of the Act,you may, at any time before the end of one year from the end of the term of the agreement, request a copy of the agreement from, CASHLENDER for no additional cost.

All references to currency herein are to the lawful money of Canada.

This agreement shall be governed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.

I agree to allow CASH LENDER to obtain and share my personal records and credit information regarding this advance.

ATTENTION

This payday loan is intended to address short-term financial needs. The cost of borrowing for this loan may be significantly higher than credit offered by other lenders.

YOUR CANCELLATION RIGHTS UNDER PAYDAY LOANS ACT, 2008

If you are provided with the loan and a copy of this agreement that complies with the Act when you enter into the agreement, you may cancel the agreement within two (2) business days of entering into it. For remote payday loan agreements*, you may cancel the agreement within two (2) business days of entering into it if you are provided with the
loan within one hour of entering into the agreement and you are provided with a copy of this agreement that complies with the Act when you enter into the agreement. You do not have to give a reason for cancelling the agreement.

If you are not provided with the loan or with a copy of this agreement that complies with the Act when you enter into the agreement, you may cancel the agreement at any time. For remote payday loan agreements, you may cancel the agreement at any time if you are not provided with the loan within one hour of entering into the agreement or if you are not provided with a copy of this agreement that complies with the Act when you enter into the agreement.

To cancel the agreement, you must provide your notice of cancellation, together with the amount you borrowed, to the business you dealt with to get your loan. If you have made any payments under the loan, the lender must return those payments to you at the earliest reasonable opportunity.

* A remote payday loan agreement is one in which the borrower is not present with the lender or the loan broker when the payday loan agreement is made (e.g. a loan made over the internet or by phone).

REFUNDS UNDER THE PAYDAY LOANS ACT, 2008

Under certain circumstances, you may demand a refund of a payment you made under a payday loan agreement within one year of having made that payment. Either the licensee has received a payment to which it is not entitled or the licensee has engaged in prohibited conduct of such a serious nature that you are entitled to a refund of the cost of borrowing that you paid. To obtain a refund you must give a notice demanding it to the business that you dealt with to get your payday loan. Your notice must set out your demand for the refund and the reason for it, as well as your name and telephone number. Note that the business has two (2) business days within which to provide the refund to you. You may choose to collect your refund in person or have it mailed to you.

Please contact the Consumer Protection Branch of the Ministry of Small Business and Consumer Services for more information on when you may be entitled to a refund and how to make your demand for a refund. You may contact the Consumer Protection Branch toll free at 1-800-889-9768.

For further reference, the Payday Loans Act, 2008 and the regulations made under the Act can be found at http://www.e-laws.gov.on.ca