9 Appendix research company most widely known when it comes to Harris Poll, to conduct a survey among its users pay day loan borrowers.

the outcome with this research should be utilized in press materials to show the advantages of payday financing for CFSA clients also to refute other research within the domain that is public has shed a bad light on payday lending in general. Eventually, no less than 1,000 cash advance borrowers are going to be interviewed by phone, arbitrarily chosen from a compiled database of borrowers from all participating businesses within CFSA. We have been asking each member that is participating to present an extensive selection of their borrowers whom meet listed here criteria: 1. Took out a short two- week, due- on- pay day loan from a stone- and- mortar location; 2. Had a genuine loan quantity lower than or corresponding to $700; 3. Made last repayment associated with loan, including all rollovers, between July 1, 2013 and August 15, 2013, having a zero stability currently as well as for at the very least week or two; and 4. Located in virtually any state by which two- week, due- on- cash advance is lawfully available under any borrower- state regulatory scheme, except Virginia and Colorado examine the site. See a number of states that needs to be included below. As soon as these clients have already been identified, Harris calls for these listings become delivered in Microsoft Excel file format. Inside the file, each line should contain information unique to individual clients, and every line must certanly be designated to keep a particular variable. All columns ought to be labeled aided by the name that is variable. Factors to consist of for every client (one per line) are:Title ( e.g., Mr., Ms., Dr.)First nameLast nameZip rule of shop location (five digits only)Home telephone number (if understood ten digits without any dashes or areas in between)Mobile cell phone number (if understood ten digits without any dashes or spaces in between)Date many loan that is recent initiated (MM/DD/YYYY)Date latest loan ended up being paid (MM/DD/YYYY)Original level of latest loan (entire bucks only)Principal quantity outstanding at period of final payment (entire bucks only)D/b/a title of lender with who debtor dealt (i.e., title debtor will recognize). Client list files must be labeled as CFSA_Company name_customer List_date and delivered via , with all the file title into the line that is subject straight to Andrea Pieters, a researcher at Harris that is taking care of this study. Her address is and you will contact her with any questions via or phone at All information supplied to Harris or derived by Harris with this study will soon be held in self- confidence prior to a comprehensive privacy and Data Security Agreement dated June 10, 2013 between Harris and CFSA. 9

10 States to incorporate: 1. Alabama 2. Alaska 3. Ca 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 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 several other competition Decline to respond to Household Income significantly less than $25K ( inter inter Net) complete n=1,004 37% 63% per cent 23% 13% 4% 34% $25K to lower than $50K ( inter Net) 36% $50K or even more ( inter inter Net) 25% Decline to respond to Education senior high school or less ( inter inter inter Net) Some college/associates ( inter Net) degree or maybe more ( inter Net) Decline to resolve 5% 41percent 38% 20% 1% work Status Employed time that is full component time personal- used maybe maybe Not employed, but interested in work perhaps maybe Not used, rather than interested in work resigned perhaps maybe Not used, as a result of disability or illness pupil Stay- at- home spouse or partner Decline to respond to Marital Status Never married Married/Living with partner ( inter 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 removed from shop in previous year 0 * 1 9% 2 10% 3 11% 4 9% 5 7% per cent 16% 13% 21+ 6% Mean 7.6 Initial level of loan paid back past summer $200 or less ( inter Net) 23% $201- $499 ( Net) 49% $500 or higher ( inter inter Net) 28% Mean $ personal- rating of present situation that is financial ( inter Net) Excellent Good Fair/Poor (Net) Fair Poor 40% 8% 3 60% 43% 17% personal- score familiarity with individual finance A/B (Net) C A B D/F (Net) D F investing bills and financial obligation classification No debts in collection ( inter inter Net) You spend your entire bills on time and also have no debts in collection. You sometimes skip a repayment but haven’t any debts in collection. You battle to spend your bills every but have no debts in collection month. You battle to spend your bills every and are getting calls from debt collectors month. You might be really considering filing for bankruptcy or have actually filed for bankruptcy in past times 3 years. You’re not included after all in just about any decisions that are financial exactly just exactly how cash is invested in your home.