Docusign Envelope ID: AD7824A9-EB81-43B1-A24F-C602608D6765

Payday Loan Agreement Between

Lender: The Borrower:
Cashco Financial O/A Cashco Loans Client Number: 319879
Branch # 503 Kyle Dufault
6-175 Beverly Street 1414 budapest crt
Cambridge, ON Windsor, ON N9G3E4
License #: 4728407 N1R 7Y9 Home #:
Phone: (877) 794-1340
Created By: Lisa Fick
Fax: (519) 622-9320 Cell #: (289) 312-4768
Email: [email protected]
Loan Number: 39974 Work #:

Date of Agreement (Advance):

April 24, 2025

Details of Payday Loan Agreement

Amount Borrowed $1,300.00
Term of the Agreement in Days 8 Days
Total Cost of Borrowing $182.00
Maximum Allowable Cost per $100 Borrowed $14.00
Cost per $100 Borrowed $14.00
Equivalent Annual Percentage Rate 638.75%
This loan is your third or subsequent one in 63 days
NO
and qualifies for an extended payment plan
Payment 1: Amount and Due Date $1,482.00 due on May 02, 2025
Payment 2: Amount and Due Date (if applicable) $0.00 due on
Payment 3: Amount and Due Date (if applicable) $0.00 due on
Default Interest Rate 30%
Cheque Number
Borrower's signature AP_CUSTFORM_SIGNHERE_PRIMARY

MAXIMUM Amount of Loan

Based on the information you provided to us, your net pay is $2,769.23. The maximum amount we can lend
you is $1,384.62, which is 50 percent of your net pay.

Dates of previous loans

You previously entered into payday loans on N/A

SERVICE CHARGE: If the borrowers payment item for the total amount to be repaid on the Due Date
is dishonored, a Non-Sufficient Fee (NSF) of $20.00 will be levied against the Borrower.

INTEREST ON AN OVERDUE ACCOUNT: If the Borrower does not repay the total amount by
the Due Date, interest shall begin accumulating on the total amount due, under the Agreement, on the day
after the Due Date at a rate of 30% APR, prorated to and including the date of actual payment*

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*All payments will be applied first towards legal cost (awarded by the court) incurred by Cashco Loans in
collecting or attempting to collect such amount, followed by the interest accumulated on the overdue account,
then towards the total amount due under the agreement and the service charge.

1. The Borrower promises to repay Cashco Loans using cash, debit, pre-authorized payment or bill
payment in accordance with the terms of this Loan Agreement at any time on the due date.

2. Upon execution of this agreement, the Borrower shall provide Cashco Loans with an authorized
electronic debit form dated the “Payment Due Date” for the dollar value of the total amount due under
this agreement.

3. If the Borrower decided to cancel tis Loan Agreement, he or she has until the close of two (2)
business days after the amount borrowed was advanced, to do so. To cancel the Loan Agreement, the
Borrower must complete and submit the loan cancelation form provided by Cashco Loans, in addition
to repaying the amount borrowed in cash, at any CAshco Loans location. The PAD will be cancelled at
that time.

4. All amounts set out herein are in Canadian Dollars.

5. The Borrower has the right to obtain an additional copy of this Loan Agreement from Cahsco Loans
by requesting it at any time within a time frame of one year from the end of the term of this agreement.

6. Contact Information – Registrar, PayDay Loan Act, 2008

Ministry of Government and Consumer Services Licensing, Investigations Branch
56 Wellesley Street West 16th Floor Toronto, ON M7A 1C1
Tel: (416)326-6203 Toll Free: 1-800-889-9768 Fax: (416)326-8655 7.

7.Website for the Ministry of Government and Consumer Service –

www.ontario.ca/consumerprotection

8. This Agreement shall be governed by in accordance with the laws of the Province of Ontario and the
laws of Canada applicable therein. The courts of the Province of Ontario will have exclusive
jurisdiction over any claim, dispute or controversy arising out of or relating to the Agreement or the
construction thereof either directly or indirectly, whether in contract or in tort or otherwise, or for
restitution of whatever kind, and whether arising pursuant to statute or regulation, or otherwise.

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 THE 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.

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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 agreement, 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. You do not have to give a reason for cancelling 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 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 the phone).

Notwithstanding any language in the payday loan agreement, you may make partial prepayments at any time
and if you are in an extended payment plan the lender must adjust your future scheduled repayments so that
your future repayments are spread equally over the remaining term of the extended payment plan, unless you
request otherwise when making the prepayment.

You may terminate the extended payment plan at any time by paying the amount owing in full without any
additional charge, fee or penalty.

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 the 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 Government 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.

Signed this 24 day of April, 2025 In the city

Cashco Loans
of Cambridge, ON
X X
AP_CUSTFORM_SIGNHERE_PRIMARY AP_CUSTFORM_SIGNHERE_ASSIGNEDUSER
Kyle Dufault, the Borrower Witness, on behalf of Cashco Loans
Email Address: xxx Required xxx
[email protected]

I, Kyle Dufault, attest that the address information provided for the purpose of this loan application, is correct
and that I am a resident at the provided address as of the date signed.

X AP_CUSTFORM_SIGNHERE_PRIMARY X April 24, 2025

Kyle Dufault, the Borrower Date (Day/Month/Year)

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Cashco Financial Inc. o/a Cashco License 4728407

Branch #503 Created By: Lisa Fick
6-175 Beverly Street Loan Number: 39974
Cambridge, ON Client Number: 319879
N1R 7Y9 Version 03/25/24
Phone: (877) 794-1340
Fax: (519) 622-9320
Email: [email protected]

Cashco FAQs

How can I learn more about your official Mobile Communications Policy
Privacy Policy?
In order to maximize our service to you, from time
The official Privacy Policy commitment can be to time we will send you text messages.
viewed on our website at www.cashcofinancial.com
Your wireless provider's Message and Data Rates
Does Cashco collect personal information? may apply to our confirmation and all subsequent
SMS messages.
We retain only information you provide voluntarily.
We will ask for your name, address, e-mail address, Data obtained from you in connection with the
and other personal information when we issue a SMS service may include your name, address, cell
Cashco payday loan. phone number, your provider's name, the date and
time and content of your message. We are not liable
How does Cashco use my information? for any delays in receipt of any SMS messages, as
delivery is subject to effective transmission from
Cashco collects and uses your personal information your network operator. SMS message services are
as a routine requirement for issuing a loan. This provided on an AS IS basis.
information is used to contact you in reference to
the loan. Opt-out Policy

Cashco may also use your personal information To cancel text message alerts, you can reply STOP
when we believe in good faith that the law requires to the message and opt-out of the respective text
it, under circumstances specifically described to alert program.
you when we collect the information (such as in a
loan application). Help or Support

Might I be contacted by organizations outside To request help, get contact information or

Cashco? additional information regarding our texting
services, call 1-855-914-7940.
We do not share information with third parties with
the exception of service providers who require
certain information in order to complete the loan
transaction.
Opt-in
I have been informed of the Cashco Privacy Policy and agree to receive text messages and other forms of
communication related to my transaction. I understand that I can opt-out at any time without penalty.
X AP_CUSTFORM_SIGNHERE_PRIMARY
Kyle Dufault, the Borrower
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Cancellation Notice Receipt of Cancellation Notice

I, Kyle Dufault, by execution of this document to Cashco, herby exercise The undersigned representative of Cashco hereby acknowledges the
my right to cancel my Loan Agreement, for Loan #39974 dated and Cancelation Notice from Kyle Dufault for Loan #39974. The amount
signed April 24, 2025, I am returning the amount of $1,300.00 to of $1,300.00 has been repaid by the Borrower and the loan has
Cashco, borrowed on April 24, 2025. cancelled.

X X X X
Customer Signature Date (Day/Month/Year) Cashco Date (Day/Month/Year)

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PAYOR'S PAD AGREEMENT FOR PRE-AUTHORIZED DEBITS

TO: Cashco Financial Inc. o/a Cashco (“Payee”)

Phone: (877) 794-1340
Fax: (519) 622-9320
E-mail: [email protected]
Payday Loan Agreement between the undersigned ("Payor") and Payee (as amended, restated,
RE:
supplemented, or otherwise modified from time to time, the "Contract")
DATE: April 24, 2025

Unless otherwise defined, all capitalized terms used in this agreement have the meanings given to them in Rule H1 of the
Canadian Payments Association ("CPA Rule H1") doing business as Payments Canada.

1. Authority to Debit Account . The Payor Authorizes the Payee, as well as the Sponsoring Member and any other
person the Payee may use to act on its behalf, to debit the account (“Account”) specified below, for all amounts owing by
the Payor in accordance with Contract. For greater certainty, this agreement together with the applicable terms of the
Contract, constitute the Payor's PAD Agreement in accordance with CPA Rule H1.

Financial Institution
Financial Institution Account Number Transit Number
Number
sascu 809 001231398 15740

Payment Date Amount

May 02, 2025 $1,482.00

The Payor will notify the Payee in Writing of any change to the Account at least thirty (30) days prior to the next due date of
a PAD. The Payor confirms the Payor is the owner of the Account, and this Payor's PAD Agreement is duly Authorized by
the valid authority for the Account in accordance with the applicable agreements with the Processing Member. The Payor
has the requisite authority to provide the Payee with this Authorization. The Processing Member is not responsible for
validating this Payor's PAD Agreement in respect of any PAD issued under this Payor's PAD Agreement.

2. PAD Category . Each PAD is a Personal PAD.

3. Amount, Timing, or Specified Event/Action . The Payor authorizes the Payee to issue PADs in fixed amounts for
each scheduled payment owing at Set Intervals in accordance with the Contract. The Payor authorizes the Payee to issue
PADs for all other fixed or variable amounts owing at Set Intervals in accordance with the Contract, including, without
limitation, for the collection of overdue amounts and fees and charges. Details of the amount and timing for each PAD are
set out in the Contract.

The Payee may issue Sporadic PADS from time to time to collect other amounts owing by the Payor under the Contract,
provided the Payee will obtain prior Authorization from the Payor for each Sporadic PAD the Payee issues.

4. Re-presentment of a PAD. If a PAD is returned to the Payee for the reason of “Non-Sufficient Funds” or “Funds
Not Cleared”, the Payee may re-present the PAD in the same amount for collection within thirty (30) days.

5. Waiver of Pre-notification/Confirmation Requirements . The Payee may change the amount or frequency of
each PAD in accordance with the Payor's instructions from time to time. Where applicable, the Payor waives the right
to receive Pre-notification in accordance with CPA Rule H1. This means the Payor will not receive Pre-Notification in
accordance with CPA Rule H1 in the event of a change to the amount or timing of a PAD. Where applicable, the Payor
waives the right to receive Confirmation in accordance with CPA Rule H1 before the due date of the first PAD, and
the Payor agrees Confirmation may be provided to the Payor up to five (5) days following the date of the first PAD.

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6. Cancellation of Payor's PAD Agreement . The Payor may cancel this Payor's PAD Agreement at any time by
providing the Payee with thirty (30) days' prior Written notice. The Payor may obtain a sample cancellation form, or further
information on the right to cancel this Payor's PAD Agreement, by contacting the Payor's financial institution or by visiting
payments.ca.

The Payee may cancel this Payor's PAD Agreement at any time with thirty (30) days' prior notice to the Payor or earlier at
any time without prior notice if a PAD is refused, returned, or otherwise dishonoured for any reason, including if there are
insufficient funds in the Account. All PADs will continue to be processed during the notice period for cancellation of this
Payor's PAD Agreement.

Until cancellation of this Payor's PAD Agreement, the Payee is Authorized to continue to issue PADs to collect amounts
owing under the Contract. This Payor's PAD Agreement will survive termination of the Contract and remain in full force and
effect unless and until this Payor's PAD Agreement is cancelled in accordance with the Contract or this Section.

7. Effect of Cancellation on Contract . This Payor's PAD Agreement only applies to the method of

payment used to collect payments in accordance with the Contract. Neither this Payor's PAD Agreement, nor cancellation
of this Payor's PAD Agreement, will affect the Payor's obligations under the Contract including any payment obligations.
Cancellation of this Payor's PAD Agreement will not terminate the Contract. In the event of cancellation of this Payor's PAD
Agreement, the Payor will ensure all payments are made when due in accordance with the Contract using another
payment method acceptable to the Payee for such purpose.

8. Disclosure of Information . The Payor consents to the Payee's collection, use, and disclosure to any person of the
Payor's information to the extent necessary to process any PAD in accordance with this Payor's PAD Agreement.

9. Contact Information . To make inquiries, obtain information, or seek recourse with respect to any PAD issued by
the Payee, the Payee can be contacted using the contact information above. Any notice, communication, or other
document required or permitted in connection with this Payor's PAD Agreement must be in Writing and delivered using the
contact information for the Payee and Payor set out herein or in accordance with the Contract.

10. Recourse/Reimbursement Statement . The Payor has certain recourse rights if any PAD does not comply with
this Payor's PAD Agreement. For example, the Payor has the right to receive reimbursement for any PAD that is not
authorized or is not consistent with this Payor's PAD Agreement. To obtain more information on the Payor's recourse
rights, the Payor may contact the Payor's financial institution or visit payments.ca.

11. Successors and Assigns . This Payor's PAD Agreement may not be assigned by the Payor without the prior
Written consent of the Payee. This Payor's PAD Agreement may be assigned by the Payee at any time upon Written
notice to the Payor containing details of the assignment including the identity and contact information of the
assignee. This Payor's PAD Agreement binds and ensures to the benefit of the Payor and Payee and their respective
heirs, successors, and assigns, as the case may be.

12. Governing Law. This Payor's PAD Agreement is governed by the Ministry of Consumer and Business
Services Act and applicable federal laws, and the Payor and Payee submit to the courts of such jurisdiction for
determination of all matters related to this Payor's PAD Agreement.

Date: April 24, 2025

Client Name: Kyle Dufault
Client Signature: AP_CUSTFORM_SIGNHERE_PRIMARY
Client Email: [email protected]

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