The following documents are provided as a resource to the media in an effort to assist you in understanding our industry and provide background information, statistics and analysis. If you have any questions after reviewing the information, please don’t hesitate to contact us at (801) 355-9188

• Check & Overdraft Study 2008
  March 6, 2009
  Author: Michael Flores, Bretton Woods, Inc.
  
• Demographics of Payday Loan Customers: 2008
  February 9, 2009
  Author: Dr. Gregory Elliehausen, Federal Reserve System & George Washington University
  
• CRL statements on Payday Lending found to be inaccurate and false
  October 3, 2008
  Source: Veritec Solutions LLC
  
• In Defense of Payday Lending
  July 18, 2008
  Author: Donald Rieck
  
• Overdraft Protection Fees are more than 20 times more expensive than Payday Loans
  May 29, 2008
  Author: Marc Anthony Fusaro, East Carolina University
  

• Payday Lending Benefits Communities Stricken By Natural Disaster Says Working Study
  March 24, 2008
• Federal Reserve Bank shows negative impact of banning payday loans
  March 13, 2008
• Positive Impact of Subprime Lending in South Africa
  March 3, 2008
• True Profits of Payday Lenders
  March 2, 2007
• A Look at "Race Matters: The Concentration of Payday Lenders in African-American Neighborhoods in North Carolina"
  September 2005.
  Community Financial Services Association of America
  Author: Diego Saltes, Research Director
• Payday Loan Use among Active Military
  January 2005.
  Author: Penn, Schoen & Berland Associates, Inc.
  Washington, DC
• National Customer Satisfaction Survey--Highlights
  May 2004
  Conducted by: Cypress Research Group Shaker Heights, Ohio
• National Customer Satisfaction Survey--Full Study
  May 2004
  Conducted by: Cypress Research Group Shaker Heights, Ohio
• IoData CONSUMER SURVEY
  CFSA, 2003
• STEALING CONSUMER CHOICE
  February 24, 2003
  Author: Dan Popeo, Chairman, Washington Legal Foundation
  
• BANKS ENCOURAGE OVERDRAFTS
  January 22, 2003
  Author: Alex Berenson, New York Times
• Research Report Comparison: IoData and Georgetown
  CFSA, 2002
• RESEARCH ANALYSIS: PAYDAY ADVANCE IN AMERICA
  2002
  Author: CFSA
• BACKGROUNDER: WHY PAYDAY ADVANCE IS NOT PREDATORY LENDING
  2002
  Author: CFSA
• OVERVIEW OF THE PAYDAY ADVANCE INDUSTRY
  2002
  Author: CFSA
• PAYDAY ADVANCE – A COST EFFECTIVE ALTERNATIVE
  February, 2002
  Author: CFSA
• PAYDAY ADVANCE SERVICES: The “Financial Taxi” of America’s Middle Class
  2001
  Author: CFSA
• PRESERVING FINANCIAL FREEDOM FOR TAXPAYERS
  Issue Brief #126
  National Taxpayers Union
  Author: Al Cors, Jr.
• PAYDAY ADVANCE CREDIT IN AMERICA: An analysis of customer demand.
  Monogram #35, April 2001.
  Credit Research Center
  McDonough School of Business
  Georgetown University, Washington, DC
  Authors: Gregory Elliehausen, PhD and Edward C. Lawrence, PhD