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Community Financial solutions Association of America (CFSA) Payday Loans plus the Borrower Enjoy: Executive Overview

9 Appendix research company most commonly known for The Harris Poll, to conduct a study among its people loan that is payday.

the outcome out of this research is likely to be found in press materials to show the many benefits of payday lending for CFSA clients also to refute other research within the general public domain that has shed an adverse light on payday lending all together. Eventually, no less than 1,000 cash advance borrowers is going to be interviewed by phone, arbitrarily chosen from the compiled database of borrowers from all participating organizations within CFSA. Our company is asking each participating user business to give an extensive listing of all their borrowers whom meet the next criteria: 1. Took out a preliminary two- week, due- on- cash advance from the stone- and- mortar location; 2. Had a genuine loan quantity significantly less than or add up to $700; 3. Made last payment regarding the loan, including all rollovers, between July 1, 2013 and August 15, 2013, having a zero stability presently as well as for at the least 14 days; and 4. found in just about any state by which two- week, due- on- cash advance is lawfully available under any borrower- state regulatory scheme, except Virginia and Colorado. See variety of states that needs to be included below. As soon as these clients have now been identified, Harris calls for these listings become delivered in Microsoft Excel file format. Inside the file, each line should include information unique to individual clients, and every line should really be designated to put up a particular variable. All columns must be labeled because of the adjustable title. Factors to add for every client (one per column) are:Title ( ag e.g., Mr., Ms., Dr.)First nameLast nameZip rule of shop location (five digits only)Home phone number (if understood ten digits without any dashes or areas in between)Mobile cell phone number (if known ten digits with no dashes or spaces in between)Date many current loan ended up being initiated (MM/DD/YYYY)Date newest loan had been paid down (MM/DD/YYYY)Original number of latest loan (entire bucks only)Principal quantity outstanding at time of final payment (entire dollars only)D/b/a title of loan provider with who debtor dealt (in other words., title debtor will recognize). Consumer list files should really be labeled as CFSA_Company name_customer List_date and delivered via , using the file title within the topic line, right to Andrea Pieters, a researcher at Harris that is taking care of this study. Her target is and you can contact her with any questions via or phone at All information supplied to Harris or derived by Harris out of this study is likely to be held in self- self- confidence prior to a confidentiality that is comprehensive Data Security Agreement dated June 10, 2013 between Harris and CFSA. 9

10 States to add: 1. Alabama 2. Alaska 3. California 4. Delaware 5. Florida 6. Hawaii 7. Idaho 8. Illinois 9. Indiana 10. Iowa 11. Kansas 12. Kentucky 13. Louisiana 14. Michigan 15. Minnesota 16. Mississippi 17. Missouri 18. Nebraska 19. Nevada 20. Brand New Mexico 21. North Dakota 22. Ohio 23. Oklahoma 24. Rhode Island 25. Sc 26. Southern Dakota 27. Tennessee 28. Texas 29. Utah 30. Washington 31. Wisconsin 32. Wyoming 10

11 Respondent Demographics Gender Male Female Age suggest Race/Ethnicity White Black/African United states Hispanic Mixed competition Native American or Alaskan Native Asian or Pacific Islander various other competition Decline to respond to Household Income significantly less than $25K ( inter Net) complete n=1,004 37% 63% percent 23% 13% 4% 34% $25K to significantly less than $50K ( inter inter Net) 36% $50K or higher ( inter Net) 25% Decline to answer Education twelfth grade or less ( inter inter inter Net) Some college/associates ( Net) degree or higher ( inter inter Net) Decline to respond to 5% 41percent 38% 20% 1% work Status Employed time that is full component time personal- used perhaps perhaps Not used, but in search of work maybe Not used, rather than shopping for work resigned perhaps Not used, as a result of disability or infection Student Stay- at- home spouse or partner Decline to resolve Marital Status Never married Married/Living with partner ( inter Net) hitched or civil union coping with partner Divorced Separated Widowed Decline to answer Total n=1,004 54% 9% 3% 3% 1% 14% 13% 1% * 24% 43% 40% 3% 20% 4% 8% 11

12 Borrower Profile complete n=1,004 quantity of loans applied for from shop in previous year 0 * 1 9% 2 10% 3 11% 4 9% 5 7percent % 16% 13% 21+ 6% Mean 7.6 Initial level of loan paid back past summer $200 or less ( inter Net) 23% $201- $499 ( inter inter Net) 49% $500 or even more ( inter inter Net) 28% Mean $ personal- rating of present situation that is financial ( inter inter Net) Excellent Good Fair/Poor (Net) Fair Poor 40% 8% 3 60% 43% 17% personal- score understanding of individual finance A/B (Net) C A B D/F (Net) D F investing bills and financial obligation category No debts in collection ( inter Net) You spend all your bills on time and also no debts in collection. You often skip a repayment but don’t have any debts in collection. You find it difficult to spend your bills every thirty days but haven’t any debts in collection. You battle to spend your bills every and are getting calls from debt collectors month. You will be really considering filing for bankruptcy or have actually filed for bankruptcy into the previous 36 months. You aren’t included after all in just about any decisions that are financial exactly just how cash is invested in your household.