Texas Schedule of All Fees (City Stores)

Thank you for your interest in TitleMax of Texas, Inc. d/b/a TitleMax ("CSO"). CSO provides credit services - it helps consumers obtain loans from a third-party lender and issues a credit enhancement to the third-party lender to back up consumer's promise to pay the loan. CSO is not a lender.

CSO Credit Services and Fee Schedule - Secured Loans

• Credit Services:: CSO's credit services include: (a) arranging for consumers loans secured by liens on unencumbered motor vehicle titles, with terms not to exceed 180 days and an Amount Financed from $100.00 to $10,100, and with an annual interest rate not to exceed 9.95% (each a "Loan"); (b) helping consumers complete the paperwork (including the credit application) needed to get a Loan from Lender; and (c) providing to Lender in respect of each Loan from Lender a letter of credit, guaranty, or other credit enhancement satisfactory to Lender that backs the consumer's repayment of the Loan (with any such letter of credit, guaranty, or other credit enhancement being referred to as the "Letter of Credit").

• Lien Filing Fee: Either $28 or $33 (depending on the county in which the lien is filed), payable to the Texas Department of Motor Vehicles. Lien filing fees for other states may vary. Both the Lender's lien and the CSO's lien are covered by the same filing fee. The lien filing fee is included as part of the Amount Financed.

• Charges After Default; Costs of Collection: At any time after the occurrence of any default that results in CSO paying Lender under the Letter of Credit, then CSO may recover from Consumer all charges, costs, fees and expenses, including all collection costs and reasonable attorneys' fees incurred or paid in exercising any right, power or remedy provided by the CSO Contract or by law, and charge interest on all or a portion of the principal paid by CSO to Lender under the Letter of Credit, as provided in Consumer Reimbursement Obligation below.

• Consumer Reimbursement Obligation: If CSO pays Lender any amount under the Letter of Credit for any reason, Consumer must reimburse CSO for all amounts that CSO pays to Lender. Interest will accrue on the unreimbursed portion of principal for which CSO pays Lender under the Letter of Credit at the rate of 9.95% per annum (subject to applicable limits).

• CSO Fee - 30-Day Credit Products: The CSO Fee is a percentage of the Amount Financed, calculated as shown in the following table. The CSO Fee percentage will be determined based on the creditworthiness of the Consumer and whether the Consumer has done business with CSO previously. More creditworthy consumers and consumers who have a good history with CSO may qualify for CSO Fee percentages at the lower end of the percentage range.

  Amount Financed	CSO Fee as a % of the Amount Financed
  $0.00 - $649.99	15.99% - 19.99%
  $650.00 - $1,049.99	14.99% - 18.99%
  $1,050.00 - $1,749.99	13.99% - 18.99%
  $1,750.00 - $2,549.99	12.99% - 17.99%
  $2,550.00 - $3,549.99	11.99% - 16.99%
  $3,550.00 - $5,049.99	11.99% - 15.99%
  $5,050.00+	10.99% - 13.99%

  The CSO Fee for 30-day credit products is fully and is due and payable to CSO on the date of the Loan that CSO helps Consumer get from Lender. The CSO Fee for 30-day credit products may be financed as part of the Loan made by Lender to Consumer.

  30-Day Loan/CSO Fee Examples: All examples have a 30-day term and a $33 lien filing fee and assume that Consumer is charged the highest CSO Fee percentage applicable to such loan amount.

  Amount Financed (Requested Loan Amount + $33 Lien Filling Fee)	CSO Fee	Lender Interest	Finance Charge (CSO Fee + Lender Interest)	Total of Payments	APR
  $533.00	$106.55	$5.23	$111.78	$644.78	255.16%
  $1,233.00	$234.15	$12.00	$246.15	$1,479.15	242.89%
  $2,033.00	$365.74	$19.62	$385.36	$2,418.36	230.62%
  $3,033.00	$515.31	$29.02	$544.33	$3,577.33	218.35%
  $4,033.00	$644.88	$38.26	$683.14	$4,716.14	206.09%
  $7,533.00	$1,053.87	$70.22	$1,124.09	$8,657.09	181.55%

Lender Interest and Fee Schedule - Secured Loans:

• Maximum Loan Terms: Lender makes single-payment loans secured by liens on unencumbered motor vehicle titles and a CSO letter of credit, with terms not to exceed 180 days and an Amount Financed from $100.00 to $10,100.00.

• Lender Interest: Lender interest accrues on the outstanding principal balance of the Loan at 9.95% per annum, daily simple interest. Interest will continue to accrue on past due principal amounts until paid in full.

• Late Charge: $7.50 or 5% of the amount of the unpaid scheduled payment, whichever amount is greater, on any payment not paid in full within 10 days of the scheduled payment date.

• Returned Payment Fee: $30 for any check, money order, payment (whether tangible or electronic), transfer or other instrument or item that is rejected or returned for any reason.

• Lien Filing Fee: Either $28 or $33 (depending on the county in which the lien is filed), payable to the Texas Department of Motor Vehicles. Lien filing fees for other states may vary. Both the Lender's lien and the CSO's lien are covered by the same filing fee. The lien filing fee is included as part of the Amount Financed.

• Prepayment: There is no prepayment penalty.

• Costs of Collection: To the extent permitted by law, Consumer will pay the costs of any attorney's fees incurred in connection with the referral of the Loan Agreement to an attorney to collect the Loan after default.

• Refinance/Renewal Requests: Lender may agree to refinance a Loan in its sole discretion. As a condition to any refinance, customer must pay to Lender the minimum refinance payment amount, satisfy Lender's other underwriting criteria for refinances and enter into a new loan agreement with Lender that is backed by a new Letter of Credit from CSO.

TEXAS CONSUMER CREDIT NOTICE

CSO is a credit services organization registered with the Texas Secretary of State. This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: www.occc.texas.gov. Email: consumer.complaints@occc.texas.gov.

CSO's agent in Texas authorized to receive service of process is Corporation Service Company d/b/a CSC-Lawyers Incorporating Service Company, 211 E. 7th Street, Suite 620, Austin, TX 78701-3136.

Individual retail location licenses and registrations are available for review in each location.

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.