Great Plains Lending – Online Personal Loans, Fast Cash Loans

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GREAT PLAINS LENDING, LLC IS PROVIDING YOU THE FOLLOWING INFORMATION IN A MANNER CONSISTENT WITH PRINCIPLES UNDER UNITED STATES FEDERAL LAW.

FACTS	WHAT DOES GREAT PLAINS LENDING, LLC DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires lenders to tell you how they collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Credit history and credit scores
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Great Plains Lending, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Great Plains Lending, LLC share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes — information about your transactions and experiences	No	WE DO NOT SHARE
For our affiliates’ everyday business purposes — information about your creditworthiness	No	WE DO NOT SHARE
For our affiliates to market to you	No	WE DO NOT SHARE
For non-affiliates to market to you	Yes	Yes

To limit our sharing

Call (877) 836-1506
Visit us online at: www.greatplainslending.com
Contact us via e-mail: support@greatplainslending.com

Please note:

If you are a new customer, we can begin sharing your information as soon as the same day that you apply for a loan. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call (877) 836-1506 or go to www.greatplainslending.com.

What We Do
How does Great Plains Lending, LLC protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain physical, electronic, and procedural safeguards (e.g. computer virus protection software, firewalls, 128 bit Secure Socket Layer). Only authorized employees have access.
How does Great Plains Lending, LLC collect my personal information?	We collect your personal information, for example, when you: Apply for a loan Give us your income information Provide employment information Provide account information Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only: Sharing for affiliates’ everyday business purposes — information about your creditworthiness Affiliates from using your information to market to you Sharing for non-affiliates to market to you
Definitions
Affiliates	Financial and nonfinancial companies related by common ownership or control. Great Plains Lending, LLC has no affiliates.
Non-Affiliates	Financial and nonfinancial companies not related by common ownership or control. Non-affiliates we share with can include direct marketing companies for application resell, direct mail, and other purposes.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers, and other lending companies.
Other Important Information
As part of our credit underwriting and information collection process, we will consider bank account information provided by you and we may detect additional bank accounts under your ownership. We also may collect and consider information about you from non-credit reporting agency data providers, including, for example, information about your location and the location of your mobile devices, and publicly available information about you.

Last Rev.: February 2013

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*Great Plains Lending, LLC is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a sovereign nation located within the United States of America, and is operating within the boundaries of the Otoe-Missouria Reservation. Applications processed and approved before 6 p.m. ET are typically funded the next business day. In some cases, we may not be able to verify your application information and may ask you to provide certain documents. Maximum loan amount for initial loan is $1,000. Refer to Loan Cost & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within the Loan Agreement.

Important Disclosures
This is an expensive form of credit. Great Plains loans are designed to help you meet your short-term borrowing needs. Appropriate emergencies might be a car repair, medical care for you or your family, or travel expenses in connection with your job. This service is not intended to provide a solution for longer-term credit or other financial needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Refinancing may be available and is not automatic. Refinancing your loan will extend the term of the loan and result in additional interest charges. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. We will never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement or the Loan Cost & Terms. If you don’t make a payment on time we will attempt to contact you via one or more authorized methods. We adhere to the principles of the Federal Debt Collections Protection Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

¹First time Great Plains Lending customers typically qualify for an installment loan of $100 to $1,000, repayable in 8 to 30 bi-weekly payments, with an APR of 349.05% to 448.76%, which is less than the average 706.03% APR for a payday loan. For example, a $500 loan from Great Plains repaid in 12 bi-weekly installments of $101.29, including of $715.55 interest, has an APR of 448.78%. After the 12th successful payment, your loan would be paid in full. A typical payday loan of $500 repaid within 14 days, has an APR of 706.03% and a total payment of $635.40. Typical payday loan pricing is based on Texas-originated loans with 14-day terms facilitated by credit service organizations such as CashNet USA® (664.30%), ChecknGo® (661.75%), and Ace Cash Express® (792.05%) as of March 18, 2013.

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