HOW IT WORKS

Consumer Notice

1. Actual loan amount and terms will vary based on final evaluation and credit qualifications. Payment amounts vary by rate. The Xact® Loan has either an 18-month or 24-month term, depending on consumer qualifications. The 24-month term may only be offered to qualifying returning or refinancing consumers.  The table below provides illustrative examples for each available term length.
   
   

   Term Length	Principal Balance	Annual Percentage Rate (APR)	Installment Payments	Total Payments
   18 Months	$1,400	192.77%	37 biweekly payments of $119.42	$4,417.69
   24 Months	$2,000	144.61%	48 biweekly payments of $119.69	$5,745.41

   
   There are no application, origination, late payment, or returned payment fees. APRs range from [125% - 225%]. The maximum APR on any XACT® Loan is 225%. APRs will vary depending on credit qualifications and loan amount.
2. Payments must be made on time in order to enhance credit with lender.
3. Approval depends upon meeting legal, regulatory and underwriting requirements. All times and dates are based on Eastern Time (ET). If your loan is approved and originated by 8:00 p.m. ET on a business day, your funds will typically become available no later than the following business day. The lender may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and the lender may take that into consideration in the approval process .
4. Availability restrictions apply.
5. Transunion CreditView Dashboard is a third party provided service. The material has not been modified or validated by Xact.

The Xact^® Loan is an installment loan originated and funded by Capital Community Bank a Utah Chartered bank located in Provo, UT, Member FDIC.

*  Xact loans to California residents have a maximum amount financed of $2,400.

The Company, individually or through its affiliates, is licensed as a Debt Collector by the California Department of Financial Protection and Innovation (DFPI), License Number 10435-99.

Notice to California consumers: Information on your privacy rights under the California Consumer Privacy Act can be found by reviewing the California Consumer Privacy Act (CCPA) Policy.

Notice to Alabama, Alaska, Arkansas, Arizona, California, Delaware, Florida, Hawaii, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Wisconsin and Wyoming Customers: Xact Installment loans are originated by Capital Community Bank, a Utah chartered bank, located in Provo, UT, Member FDIC.

South Carolina Consumer Disclosure
Information on the California Consumer Privacy Act
Do Not Sell or Share My Personal Information