Disclaimer For Short Term Loans This website does not constitute an offer or solicitation to lend. Global Cash Loan is not a lender and does not make loans or credit decisions. Global Cash Loan provides a matching service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. Global Cash Loan does not control and is not responsible for the actions or inactions of any lender. Global Cash Loan does not endorse any particular lender or loan product. You are under no obligation to use Global Cash Loan’s service to initiate contact, or apply for credit with any of the lenders. This service is not available in all States and the service availability and scope are subject to change without notice. Subject to our Privacy Policy, Global Cash Loan will transfer your information to lenders in our program and other service providers and marketing companies with which we do business. Global Cash Loan does not guarantee that completing an application form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or receiving a loan from a lender. All loan amounts and fees mentioned on this web site are approximate numbers posted here to give you an idea what the actual amounts might be. Please review your actual contract with lender for exact amounts. Legal Disclosures  GOVERNING LAW : The transactions related to loans will be deemed to have taken place in the offices of AAA CASH ADVANCE, Inc. and according to the laws of the state of California, regardless of where you may be viewing or accessing this site. Warning Payday Loan is intended as a short-term cash flow tool. It is not designed as a solution for longer-term financial problems. Terms and Conditions In your Loan Agreement the words "you" or "your" mean the customer identified on front of agreement. The words "Us," "We," and "Our" mean the Lender.  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 cash advance 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 the Lender consent to obtain information on you from a consumer reporting agency or other various means available. You understand that the Lender 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. You accept personal responsibility for safeguarding any PIN or CUSTOMER NUMBER that might be assigned to you. 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. Definitions All terms used herein are to be defined in accordance with codes, statutes and federal laws of the United States. Equal Credit Opportunity Act Fair Lending Notice Regulation B: 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 that 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 the creditor is Federal Trade Commission Equal Credit Opportunity Washington, D.C. 20580. Loan amounts and fees AAA CASH ADVANCE, Inc. currently provides loans ranging from $50.00 to $255.00. The finance charge for these loans is based on 300- 950 percent APR and the number of days of the loan. See fees for a complete breakdown of amounts and charges for various length loans. Schedule of Charges Regulation Z in Federal Law requires the full disclosure of all costs and terms associated with any credit purchase or transaction (such as this cash advance) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or APR Below all costs, terms and rates associated with our cash advance program are given. The chart below represents illustrative examples of the cost of a loan to the borrower. If you have any questions, or would like more information, please ask. Make certain the questions that you ask are answered. Make certain you understand the term and costs of you loan.   Loan Amount (APR) Annual Percentage Rate Advance Fee Total payback amount 7 days cycle 14 days cycle 21 days cycle 31 days cycle $50.00 920.17% 460.08% 306.72% 207.78% $8.82 $58.82 $100.00 920.17% 460.08% 306.72% 207.78% $17.65 $117.65 $150.00 920.17% 460.08% 306.72% 207.78% $26.47 $176.47 $200.00 920.17% 460.08% 306.72% 207.78% $35.29 $235.29 $255.00 920.17% 460.08% 306.72% 207.78% $45.00 $300.00 Note: Under California state law, a borrower may not renew the loan. A borrower may enter into a new loan transaction with AAA Cash Advance at any time after a prior loan to the borrower is completed. Promise to Pay You promise to pay us the Amount Financed, the Finance Charge and other permitted charges according to the Federal Truth-In-Lending Disclosures. You acknowledge and agree that you are indebted to us in the amount of the Total of Payments, and that the amounts set forth in the Federal Truth-In-Lending Disclosures are not in dispute. You have made promise to pay us or to our order, (per your signature, electronic or otherwise, on original advance application of Master Agreement) in one payment on the date indicated in the payment schedule, or if extended payment request was submitted and processed, the total of payments on or after the next date your cash advance comes due. You authorize us to effect this payment by one or more ACH debits and or demand bank draft debit entries to your account of your financial institution (bank or credit union) until this cash advance comes due. You authorize us to effect this payment by one or more ACH debits and or demand bank draft debit entries to your account of your (bank or credit union) financial institution until this cash advance note is paid in full. You have confirmed that you are not in bankruptcy proceedings, nor do you contemplate or plan on filing bankruptcy in the future. You promise to keep open and maintain an adequate balance in your account to assure all payments are made to us in a timely manner on the scheduled due date(s), until this cash advance note is paid in full. You understand if at anytime your account becomes delinquent, we or our designated services will follow the Fair Debt Collection Practices Act during attempts of repayment of your loan. Limitation of Liability In no event will we be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if we, or representatives thereof, are advised of the possibility of such damages, losses or expenses. Returned transactions In the event that any transaction, ACH or EFT debit, that you have authorized returns to AAA CASH ADVANCE, Inc for any reason: (1) you agree to pay a returned check charge of $15.00, (2) in the event that we initiate collection activity on your account, you agree to be responsible for collection fees, and (3) you authorize AAA CASH ADVANCE, Inc. to initiate debits to any bank accounts in your name in amounts up to and less than the amount owed until the amount owed is paid in full. USA Patriot Act Pursuant to requirements of Federal law, including the USA PATRIOT Act, we may obtain information and will take necessary action to verify your identity. By submitting the application form, I understand and agree to all terms and conditions of this Master Agreement and by submitting the online information application by Internet, I am applying for a cash advance and certify that information provided by me is true and correct under penalty of perjury. I agree that upon submission of my electronic signature, I am not presently involved in, nor contemplating bankruptcy now or in the future. I authorize you to verify the information in this application and hereby give us the lender consent to obtain information on me from a consumer reporting agency or other various means available. I understand that the Lender 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, I understand verification of the information I have provided is necessary, including, but not limited to, proof of residence, employment and bank account verification. I accept personal responsibility for safeguarding any PIN or CUSTOMER NUMBER that might be assigned to me. Privacy Policy Our goal is to meet the needs of our customers. We respect the privacy of our customers and we believe you have the right to expect that information you entrust to us will be treated with appropriate discretion. As part of our Privacy Policy, we have adopted the following principles to serve as standards. Maintenance of Accurate Information AAA Cash Advance has established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies in a timely manner. Security Procedures to Protect Information AAA Cash Advance is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. LINKS THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES (AFFILIATES and NON-AFFILIATES OF GlobalCashLoan.com). GlobalCashLoan.com HEREBY DISCLAIMS LIABILITY FOR, ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, GlobalCashLoan.com DOES NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEB SITE, NOR IS GlobalCashLoan.com LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF GlobalCashLoan.com AND THE THIRD PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE GlobalCashLoan.com SITE. NO WARRANTY THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". GlobalCashLoan.com DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS. LIMITATION OF LIABILITY IN NO EVENT WILL GlobalCashLoan.com BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF GlobalCashLoan.com, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. SUBMISSIONS All information submitted to GlobalCashLoan.com via this site shall be deemed and remain the property of GlobalCashLoan.com and GlobalCashLoan.com shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides GlobalCashLoan.com through this site. GlobalCashLoan.com shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the GlobalCashLoan.com entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing GlobalCashLoan.com responsibilities and obligations to customers in accordance with the GlobalCashLoan.com Privacy Promise for Consumers. Global Cash Loan is not a lender. Please read the disclaimer. This is a secure site. Click the seal above to verify.   DID YOU KNOW... Some people believe that identity theft is a crime that only happens to others. But are you vulnerable? Victims of identity theft don't normally know they've been victimized until: They are contacted by a collection agency over past due accounts they never knew they had; Significant charges show up on a credit card bill for purchases they never made; A lender tries to repossess a car they didn't know they owned; They are contacted by the police after a crime is committed in their name. Identity theft is no longer an unusual occurrence. According to a 2005 survey released jointly by the Better Business Bureau and by Javelin Strategy and Research, while identity fraud no longer seems to be increasing, 9.3 million American adults became victims of identity fraud during the past 12 months. The total U.S. annual identity fraud cost was $56.2 billion, a figure that as remained essentially unchanged since an FTC survey in September 2003. HOW SAFE ARE YOU. TAKE A QUIZ HERE.

Bank fees still rising By Greg McBride, CFA • Bankrate.com Banking fees, balance requirements for checking accounts and ATM costs continue to rise while interest earnings on checking accounts do not, according to a Bankrate.com survey. Bankrate.com's semiannual checking survey looks at the checking accounts and corresponding ATM fees by the largest banks and thrifts in each of the 25 largest markets nationally. Bankrate.com surveyed 248 banks offering checking accounts, looking at 462 accounts -- 247 interest and 215 noninterest. Bankrate.com then compared them to a sampling of checking accounts available at Internet banks. The key findings of the study are: Getting whacked with bounced-check fees can leave quite a welt on your wallet. The average bounced-check fee is $27.04, and with more banks using a tiered structure, the cost can quickly escalate. ATM surcharges hit a new high and are more prevalent than ever. The fee that banks charge to nonaccount holders now averages $1.60, with 98 percent of banks owning ATMs charging a fee. The average balance requirement on interest-checking accounts hit a new high of $2,465. And you're not getting much in return, as interest-checking yields remain in the cellar. Here is what Bankrate.com found in its latest survey, what it means to you and some solutions to save you dough. Bounced-check fees Bouncing a check results in a punitive fee from your bank, and the punishment is growing increasingly harsh. The average bounced-check fee increased from $26.90 to $27.04 since the fall survey, the second-highest ever recorded following the $27.13 average of one year ago. The average bounced-check fee has increased with remarkable consistency since the twice-annual survey commenced in 1998. The first survey, in fall 1998, carried an average bounced-check fee of $21.57 and has increased about 25 percent since. Only twice in that time has the average fee failed to increase from one study to the next. Even Tiger Woods isn't that consistent. The increase in the average fee this time around is no fluke. The number of banks increasing bounced-check fees outnumbered those cutting fees almost 2-to-1. There were 39 increases but just 19 decreases. But as Paul Harvey would say, "And now, the rest of the story." The cost of bounced checks doesn't stop after the first occurrence. In fact, it gets worse. Why? Increasingly, banks are employing a tiered fee structure for bounced checks. Under the tiered structure, the cost of bouncing a check can increase as additional checks fail to clear. For example, since the last study, Wachovia Bank has introduced a tiered fee structure for bounced checks. The first check will cost $25, with the fee increasing to $30 each for the second, third and fourth checks, and anything beyond that is $35 each. Furthermore, Wachovia's policy is typical of some other large banks, such as Bank of America and U.S. Bank, in that, when charging the fees, it counts all the occurrences during the past 12 months. So while the cost of one bounced check at Wachovia decreased to $25 from the previous survey, the cost of bouncing more than one check or repeatedly overdrawing the account during a 12-month period is now higher. The account holder that rarely bounces checks may catch a break under the tiered structure, while more routine slip-ups come at a higher price. So, how best to protect yourself from the ever-escalating cost of bounced checks? The first line of defense is to sign up for overdraft protection, preferably by linking a savings account to your checking account. Also, be particularly diligent about recording all of your transactions, especially if you favor the use of a debit card or have regular monthly payments automatically withdrawn from your account. DID YOU KNOW... A single credit card may have several APRs: One APR for purchases, another for cash advances, and yet another for balance transfers. The APRs for cash advances and balance transfers often are higher than the APR for purchases (for example, 14% for purchases, 18% for cash advances, and 19% for balance transfers). Tiered APRs. Different rates are applied to different levels of the outstanding balance (for example, 16% on balances of $1–$500 and 17% on balances above $500). A penalty APR. The APR may increase if you are late in making payments. For example, your card agreement may say, “If your payment arrives more than ten days late two times within a six-month period, the penalty rate will apply.” An introductory APR. A different rate will apply after the introductory rate expires. A delayed APR. A different rate will apply in the future. For example, a card may advertise that there is “no interest until next March.” Look for the APR that will be in effect after March. Consumers Encouraged to Avoid Debt "Hangovers" BBB Offers Tips to Use Credit Cards Responsibly Arlington, Va., December 14, 2006 - With holiday shopping in full swing, credit card charges are surging. Consumers appreciate the convenience and safety of credit card transactions. The "buy today, pay later" philosophy has become a holiday tradition. "Credit cards are wonderful tools when used responsibly. The challenge is to remember the 'pay later' part of your credit card agreement. The Better Business Bureau encourages consumers to carefully review credit card options, in order to avoid a post-holiday credit 'hangover," said Steve Cole, president and CEO of the Council of Better Business Bureaus. This is particularly important if you are considering applying for a new credit card. US households receive an average of six card solicitations per month, which can be tempting this time of year, the BBB advised. "Our new BBBTips™ on Credit Cards, released today, is designed to help guide consumers to make credit card decisions that are right for their particular financial circumstances," said Cole. The BBB system's new educational resource is available online at www.bbb.org/tips/clearpoint. BBBTips™ on Credit Cards is intended to assist experienced cardholders as well as those seeking to qualify for their first credit card. Topics include: Various types of credit cards, reward programs and other enhancements; The pros and cons of credit cards; Credit terms and definitions; Understanding credit card solicitations and applications; Deciding which credit card is right for your situation; Evaluating balance transfer offers; and, Steps to take if you cannot make a payment. BBBTips on Credit Cards is sponsored by ClearPoint Financial Solutions, Inc.™, a System-wide member of the Better Business Bureau. This is the newest release in a series of BBBTips™ resources on credit and debt issues. "Consumers need to carefully examine all credit card offers before deciding what suits their budget and spending patterns. We join with the BBB to provide practical information about credit cards to help consumers be credit 'wise' and creditworthy," said Dan Oelrich, President and CEO of ClearPoint. The BBBTips™ program supplements other helpful information provided by Better Business Bureaus to promote an ethical marketplace. In 2005, BBBs in the United States and Canada provided nearly 90 million instances of service to consumers and businesses." About ClearPoint Financial Solutions, Inc. ClearPoint Financial Solutions, Inc.™ (formerly Consumer Credit Counseling Services of America, Inc.) is a national non-profit organization dedicated to helping consumers achieve financial wellness through counseling and education. Established in 1980, ClearPoint has helped over one million individuals achieve financial security. ClearPoint is the only non-profit System-wide member of the Better Business Bureau (BBB), and one of the largest members of the National Foundation for Credit Counseling (NFCC). Headquartered in Richmond, Virginia, ClearPoint manages branches across the country. Personalized and confidential consultations are available in person, by phone or online. Visit ClearPoint Financial Solutions at www.ClearPointFinancialSolutions.org or call 877-877-1995. Credit Counselors, CDC Consumer Debt Counseling, and Solutions, Inc. are all trade names of ClearPoint. ABOUT BBBTips™ BBBTips™ is a trademark of the Council of Better Business Bureaus, Inc. (CBBB) used for information provided to assist consumers and businesses in making informed and intelligent decisions. BBBTips™ are developed in partnership with the Better Business Bureau Consumer Education Foundation, Inc. and made possible, in part, through the generous financial and technical support provided by corporate sponsors that are members of the CBBB and of the Better Business Bureau where the sponsor is headquartered. As a matter of policy, the CBBB and Better Business Bureaus do not endorse any product, service or company. Reporters and journalists may contact Steve Cox, CBBB's Vice President, Communications, or call 703.276.0100 to request an interview or additional information. If you are a consumer who is seeking additional information, or need assistance with a complaint against a business, please contact your local BBB, visit the BBB web site (www.bbb.org) or call 703.276.0100.