Disclosure and Authorization
Civilian CHECKING ACCOUNTS

You must read this Disclosure and Authorization and provide your electronic signature confirming that you have read and accept it before you can apply for your first loan.

(You must be registered and logged-in before your authorization can be accepted).

1. CUSTOMER and MAUI LOAN understand and acknowledge that their Deferred Deposit Transaction is regulated by Act 146, Session Laws of Hawaii, 1999, which requires:

(a) the execution of a written agreement in the form of the contract you will be asked to sign electronically after applying for the loan;

(b) that Maui Loan not accept collateral in regard to the transaction;

(c) that Maui Loan may not defer deposit for more than 31 days from the date of execution of the AGREEMENT;

(d) that the amount of the deferred deposit cannot exceed SIX HUNDRED DOLLARS ($600.00);

(e) that Maui Loan may not charge a fee exceeding FIFTEEN PER CENT (15%) of the amount of the deferred deposit;

(f) that Maui Loan shall not enter into any Deferred Deposit Agreement (with us or anyone else) with a CUSTOMER during the period of time that an earlier Deferred Deposit Agreement with the CUSTOMER is in effect; and

(g) that Maui Loan may charge and recover a fee of TWENTY DOLLARS ($20.00) for the return or dishonor of the deferred deposit.

2. Maui LOAN executes the Agreement in reliance upon the truthfulness and accuracy of the representations of CUSTOMER contained in CUSTOMER'S Application for A Deferred Deposit Transaction.

3. By this agreement CUSTOMER is authorizing Maui Loan to present drafts upon his/her checking account if the check is dishonored. CUSTOMERS are advised that if the check or drafts are also dishonored, the bank’s overdraft charges may exceed the amount of the check and are the customer's sole responsibility. 

4. CUSTOMER hereby irrevocably authorizes Maui Loan to execute a Direct Debit electronic transfer (ACH) in the amount of the deferred deposit, from CUSTOMER'S account at CUSTOMER'S bank, credit union, or savings and loan association, to the account of Maui Loan. CUSTOMER authorizes this transfer to be executed on or after the date of deferred deposit. Maui Loan will, at its discretion, process this transaction through Electronic Funds Transfer (A.C.H.) or (P.A.D.) Pre-Authorized Draft.

5. CUSTOMER hereby voluntarily grants to Maui LOAN an irrevocable assignment of any wages due to CUSTOMER, from any and all of CUSTOMER'S current or future employers, up to the amount of the deferred deposit plus $20, which includes the dishonored draft fee. This assignment of wages shall have priority over any other garnishment or assignment of CUSTOMER'S wages.

6. Facsimile and electronic copies of the Agreement and Authorization shall be fully binding and effective for all purposes. Facsimile or electronic signatures on documents will be treated the same as original signatures. It is further agreed that this may be signed in counterpart and each such counterpart, shall, together with the other counterparts, constitute one and the same agreement.

CUSTOMER, by electronically signing above, verifies that the information contained in the APPLICATION for A Deferred Deposit Transaction is true and correct, acknowledges reading and understanding this DISCLOSURE & AUTHORIZATION and the DEFERRED DEPOSIT DIRECT DEBIT AGREEMENT, and agrees to the terms and conditions contained therein.

Days	Loan	Fee*	APR*	Paid
1	$100.00	$15.00	5475.00%	$85.00
2	$100.00	$15.00	2737.50%	$85.00
3	$100.00	$15.00	1825.00%	$85.00
4	$100.00	$15.00	1368.75%	$85.00
5	$100.00	$15.00	1095.00%	$85.00
6	$100.00	$15.00	912.50%	$85.00
7	$100.00	$15.00	782.14%	$85.00
8	$100.00	$15.00	684.38%	$85.00
9	$100.00	$15.00	608.33%	$85.00
10	$100.00	$15.00	547.50%	$85.00
11	$100.00	$15.00	497.73%	$85.00
12	$100.00	$15.00	456.25%	$85.00
13	$100.00	$15.00	421.15%	$85.00
14	$100.00	$15.00	391.07%	$85.00
15	$100.00	$15.00	365.00%	$85.00
16	$100.00	$15.00	342.19%	$85.00
17	$100.00	$15.00	322.06%	$85.00
Days	Loan	Fee*	APR*	Paid
1	$200.00	$30.00	5475.00%	$170.00
2	$200.00	$30.00	2737.50%	$170.00
3	$200.00	$30.00	1825.00%	$170.00
4	$200.00	$30.00	1368.75%	$170.00
5	$200.00	$30.00	1095.00%	$170.00
6	$200.00	$30.00	912.50%	$170.00
7	$200.00	$30.00	782.14%	$170.00
8	$200.00	$30.00	684.38%	$170.00
9	$200.00	$30.00	608.33%	$170.00
10	$200.00	$30.00	547.50%	$170.00
11	$200.00	$30.00	497.73%	$170.00
12	$200.00	$30.00	456.25%	$170.00
13	$200.00	$30.00	421.15%	$170.00
14	$200.00	$30.00	391.07%	$170.00
15	$200.00	$30.00	365.00%	$170.00
16	$200.00	$30.00	342.19%	$170.00
17	$200.00	$30.00	322.06%	$170.00
Days	Loan	Fee*	APR*	Paid
1	$300.00	$45.00	5475.00%	$255.00
2	$300.00	$45.00	2737.50%	$255.00
3	$300.00	$45.00	1825.00%	$255.00
4	$300.00	$45.00	1368.75%	$255.00
5	$300.00	$45.00	1095.00%	$255.00
6	$300.00	$45.00	912.50%	$255.00
7	$300.00	$45.00	782.14%	$255.00
8	$300.00	$45.00	684.38%	$255.00
9	$300.00	$45.00	608.33%	$255.00
10	$300.00	$45.00	547.50%	$255.00
11	$300.00	$45.00	497.73%	$255.00
12	$300.00	$45.00	456.25%	$255.00
13	$300.00	$45.00	421.15%	$255.00
14	$300.00	$45.00	391.07%	$255.00
15	$300.00	$45.00	365.00%	$255.00
16	$300.00	$45.00	342.19%	$255.00
17	$300.00	$45.00	322.06%	$255.00
Days	Loan	Fee*	APR*	Paid
1	$400.00	$60.00	5475.00%	$340.00
2	$400.00	$60.00	2737.50%	$340.00
3	$400.00	$60.00	1825.00%	$340.00
4	$400.00	$60.00	1368.75%	$340.00
5	$400.00	$60.00	1095.00%	$340.00
6	$400.00	$60.00	912.50%	$340.00
7	$400.00	$60.00	782.14%	$340.00
8	$400.00	$60.00	684.38%	$340.00
9	$400.00	$60.00	608.33%	$340.00
10	$400.00	$60.00	547.50%	$340.00
11	$400.00	$60.00	497.73%	$340.00
12	$400.00	$60.00	456.25%	$340.00
13	$400.00	$60.00	421.15%	$340.00
14	$400.00	$60.00	391.07%	$340.00
15	$400.00	$60.00	365.00%	$340.00
16	$400.00	$60.00	342.19%	$340.00
17	$400.00	$60.00	322.06%	$340.00
Days	Loan	Fee*	APR*	Paid
1	$500.00	$75.00	5475.00%	$425.00
2	$500.00	$75.00	2737.50%	$425.00
3	$500.00	$75.00	1825.00%	$425.00
4	$500.00	$75.00	1368.75%	$425.00
5	$500.00	$75.00	1095.00%	$425.00
6	$500.00	$75.00	912.50%	$425.00
7	$500.00	$75.00	782.14%	$425.00
8	$500.00	$75.00	684.38%	$425.00
9	$500.00	$75.00	608.33%	$425.00
10	$500.00	$75.00	547.50%	$425.00
11	$500.00	$75.00	497.73%	$425.00
12	$500.00	$75.00	456.25%	$425.00
13	$500.00	$75.00	421.15%	$425.00
14	$500.00	$75.00	391.07%	$425.00
15	$500.00	$75.00	365.00%	$425.00
16	$500.00	$75.00	342.19%	$425.00
17	$500.00	$75.00	322.06%	$425.00
Days	Loan	Fee*	APR*	Paid
1	$600.00	$90.00	5475.00%	$510.00
2	$600.00	$90.00	2737.50%	$510.00
3	$600.00	$90.00	1825.00%	$510.00
4	$600.00	$90.00	1368.75%	$510.00
5	$600.00	$90.00	1095.00%	$510.00
6	$600.00	$90.00	912.50%	$510.00
7	$600.00	$90.00	782.14%	$510.00
8	$600.00	$90.00	684.38%	$510.00
9	$600.00	$90.00	608.33%	$510.00
10	$600.00	$90.00	547.50%	$510.00
11	$600.00	$90.00	497.73%	$510.00
12	$600.00	$90.00	456.25%	$510.00
13	$600.00	$90.00	421.15%	$510.00
14	$600.00	$90.00	391.07%	$510.00
15	$600.00	$90.00	365.00%	$510.00
16	$600.00	$90.00	342.19%	$510.00
17	$600.00	$90.00	322.06%	$510.00
*	The fee rate is 15% APR means "Annual Percentage Rate"