TERMS OF SERVICE     TRUTH IN LENDING

LICENSED BY THE ILLINOIS STATE DEPARTMENT OF
FINANCIAL INSTITUTIONS

NOTICE
This advertisement is an invitation to send us a deferred presentment application, not an offer to provide you a deferred presentment. We are an Illinois based company. If you send a deferred presentment application to us, we will receive and process it in the State of Illinois the same as if you submitted it to us in person at our office in the State of Illinois. If we approve your application, the funds will be disbursed from out account in the State of Illinois. Laws of the State of Illinois govern our deferred presentations. This service does not constitute an offer or solicitation for a loan. This site may change from time to time without notice. All aspects and transactions on this site will be deemed to have taken place in our office in the State of Illinois, regardless of where you may be viewing this site.

TERMS AND CONDITIONS
In this Deferred Presentation Agreement the words “you or your” mean the customer identified on the front of the agreement. The words “Us”, “We” and “Our” mean All Credit Lenders.1.Acceptance.
As set forth herein, you accept the terms and conditions as outlined in this Agreement by authorizing us to cash your check(s) in the State of Illinois. This Agreement is confirmation of our agreement including terms, which were available to you in writing at our office, on our website located at www.allcreditlenders.net and verbally from one of our operators prior to the completion of the transaction.

2. Jurisdiction
This transaction shall be governed in accordance with the laws of the State of Illinois without regard to its conflicts of laws principles, regardless of the order in which the parties agree.
The Agreement shall be deemed to be executed at our place of business in Illinois as designated herein. Your acceptance of our service after the period of expiration of the options in paragraph 5 confirm your prior acceptance of this Agreement and to jurisdiction located within the State of Illinois. Further, if any provision(s) of the Arbitration Clause is/are found invalid, you agree that all actions or proceedings arising directly or indirectly, from this Agreement shall be litigated in such courts and consent that valid service of process may be made by certified or registered mail, to you at your address set forth herein or as may otherwise be designated hereafter by you in writing, and services so made shall be complete two days after delivery as a foresaid. You and we agree that each party in any such action is to bear its own attorney fees, costs and expenses of such litigation regardless of whether such fees and costs are provided for under any applicable law or statue. The coded, statutes and laws of the State of Illinois govern this entire transaction.

3. Venue
Acceptance if this Agreement by us is deemed to have taken place in the State of Illinois. The parties agree to have any conflict about this Agreement between the parties resolved in the State of Illinois as outlined herein.

4. Electronic Presentment Funds
You agree to the electronic presentation by us of any funds owed and to the re-presentation of any presentations that are returned to us for any reason. Such electronic re-presentation may be for less than the original amount owed us or in any increments totaling the amount due including the maximum permissible non-sufficient funds fees charged by us in accordance with the laws of the State of Illinois.

5. Non-Check Cashing Charges
Charges for services and goods other than Check Cashing are separate and distinct from any charge that may be incurred by you for check cashing. These include wire fees, electronic billing and payment; check creation and printing, invoicing, postage, and /or services.

6. Class Action
You agree, to the extent permitted by law, that You will not bring, join, or participate in any class action or multi-plaintiff action as to any claim, dispute, or controversy You may have against All Credit Lenders. You agree to the entry of injunctive relief stop such a lawsuit or to remove yourself as a participant in the suit. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually as outlined herein.

7. Documentation
You agree that electronic mail; electronic forms, records, photocopies, and / or facsimile copies of the documents you submit are valid and enforceable as the original. Further, you agree that by verbal consent in person or by phone, typing your name as your electronic signature, or any other manner or method of acceptance as outlined herein constitutes an acceptance of all other terms and conditions of the Agreement for which will be deemed valid and binding on all parties of this Agreement.

8. Arbitration
Notwithstanding any other provisions in this agreement, both parties agree that all disputes, claims, or controversies between the parties to this Agreement, including all disputes, claims, or controversies arising from or relating to this Agreement, no matter by whom or against whom, including the validity if this Agreement and the obligations and scope of this arbitration clause, shall be resolved by and under the Code of Procedure of the National Arbitration Forum (NAF). This arbitration agreement is made pursuant to a transaction in interstate commerce, and shall be governed by the Federal Arbitration Act at 9 U.S.C. Section 1. The parties agree and understand that they choose arbitration instead of litigation to resolve disputes. The parties understand that they have a right or opportunity to litigate disputes through a court, but that they prefer to resolve their disputes through arbitration, except as provided herein. THE PARTIES WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT BUT HAVE AGREED TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION, EXCEPT THAT THE LENDER MAY CHOOSE AT LENDER'S SOLE OPTION TO SEEK COLLECTION OF PAYMENT (S) DUE IN COURT RATHER THAN THROUGH ARBITRATION. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL EITHER PURSUANT TO ARBITRATION UNDER THIS CLAUSE OR PURSUANT TO A COURT ACTION BY LENDER. The parties agree and understand that all disputes arising under case law, statutory law, and all other laws, including, but not limited to, all contract, tort, and property disputes will be subject to binding arbitration in accord with this contract. Rules and form of the NAF may be obtained and all claims shall be filed at any NAF office or at P.O. Box 50131, Minneapolis, MN 55405. Any arbitration hearing, if one is held, will take place at a location near your residence. Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them.

9. Electronic Signature/Verbal Consent
By agreeing to this application, you understand and agree to all terms and conditions of this Agreement and by submitting the online information application by Internet or by phone, you are applying for a loan and certify that information provided by you is true and correct under penalty of perjury. You agree that upon submission of my electronic signature or verbal consent by phone, you are not presently involved in, or contemplating bankruptcy now or in the future. You authorize us to verify the information in this application and hereby give All Credit Lenders consent to obtain information on you from a consumer reporting agency or other various means available. You understand All Credit Lenders reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, you understand verification of the information you have provided is necessary, including, but not limited to, employment and bank account verification.

10. Assignment
We hereby reserve all rights and power to assign any of our interests in the Agreement to any successor, assignor or purchaser for value without notice or your consent.

12. Definitions
All terms used herein are to be defined in accordance with codes, statutes and laws of the State of Illinois.

For questions or complaints, call the Illinois Department of Financial Institutions & Professional Regulations at 312.814.5153 or 312.814.2000.