MaxLend No Business States

• Arkansas, Connecticut, Georgia, Hawaii, Illiinois, Massachusetts, Minnesota, New York, North Dakota, Pennsylvania, Vermont, Virginia, Washington, or West Virginia. The availability of installment loans in any state is subject to change at any time and at the sole discretion of Maxlend, at which time Merchant will update these Campaign terns accordingly.

MaxLend Campaign Eligibility Restrictions

• No lending to members of the military
• Age requirements: minimum age 18

Promotional / Content Guidelines May Not Promote:

• Lender APR or Fees because such references constitute "trigger terms"* (see below for further details)
• User generated coupon functionality
• Cash back incentives issued on MaxLends behalf (Publisher specific incentives are ok)
• Generalities that tend to encompass large groups of people
• Anything obviously discriminatory (or even not so obvious)
• Anything untruthful, misleading, deceptive
• Anything vague or unclear
• Terms that are misleading, vague, deceptive, untruthful, or that cannot be adequately substantiated, etc.
• No sites that offer scandalous material, products, or illegal services

CAN say:

• Fast(er)
• Quick, quicker, quickly
• Secure
• Confidential
• If you qualify, you may be able to get up to $3,000
• Same Day Funding is available on business days where pre-approval, eSignature of the loan agreement and completion of the confirmation call, if a call is required, have occurred by 11:45 a.m. Eastern Time and a customer elects ACH as payment method. Other restrictions may apply. Certain financial institutions do not support same day funded transactions. When Same Day Funding is not available, funding will occur the next business day.
• As early as the next business day
• Cash Loans
• Flexible repayment terms
• Quick credit decision

CANNOT say:

• ASAP
• Instant, Immediate (and like words)
• Overnight
• Next Day
• Get (unless the phrase is "get up to")
• Guaranteed in combination with any word
• Fastest
• Quickest
• Qualify
• Receive funds in your bank account within minutes / same day
• 100% (as in 100% Confidential. We cannot claim 100% for anything. 100% cannot be guaranteed.)
• 24/7 customer service online
• Bad credit OK/Bad Credit Accepted/Bad Credit Acceptable/No Credit Check
• Cheapest
• You don't need a bank (Customers need a bank to do business with us)
• Anyone Can Apply. Not accurate since we have "No Business States"

Examples of possible unfair, deceptive and abusive acts or practices in marketing to avoid include, but are not limited to:

• Falsely claiming credentials, licensing or to be a signatory to any set of code of conduct;
• Falsely misrepresenting affiliation with a person or entity;
• Advertising payday loans or installment loans as long-term debt solutions;
• Directing marketing material to jurisdictions where products or services are not provided;
• The use of threats, intimidation or profane or obscene language;
• Disclosing or receiving, for consideration, unencrypted consumer account numbers for use in telemarketing;
• Failing to transmit or cause to be transmitted the telephone number, and, when made available by the telemarketer's carrier, the name of the telemarketer, to any caller identification service in use by a recipient of a telemarketing call;
• Causing any telephone to ring, or engaging any person in telephone conversation, repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

If an advertisement includes reference to any "trigger terms," additional specific disclosures are required. For the avoidance of doubt, the use of "trigger terms" is prohibited in this MaxLend Campaign.

• "Trigger terms" and additional disclosures for open-end loans are as follows:
  • Information pertaining to charges imposed is a "trigger term."
    • Negative as well as affirmative references trigger the requirements. Examples include advertisements that state:
      • "No interest;"
      • "Small Monthly service charge on remaining balance;"or
• Additional required disclosures include:
  • Any minimum, fixed, transaction, activity or similar charge that could be imposed;
  • Any periodic rate that may be applied expressed as an annual percentage rate, and if
  • the plan provides for a variable periodic rate, that fact shall be disclosed; and
  • Any membership or participation fee that could be imposed.
    • The amount of any periodic payment is another "trigger term."
• "Trigger terms" for closed-end loans are:
  • The amount or percentage of any down payment;
  • The number of payments or period of repayment;
  • The amount of any payment; and
  • The amount of any finance charge.
• If an advertisement for a closed-end loan includes a "trigger term," the following disclosures are also required:
  • The amount or percentage of any down payment;
  • The terms of repayment, which reflects the repayment obligations over the full term of the loan, including any balloon payment; and
  • The "annual percentage rate," using that term, and if applicable, a statement that the rate may be increased after consummation.

Any TM (trademark) bidding for indirect linking of MaxLend websites must be approved by Merchant prior to any actions taking place.

Online Lenders Alliance

Affiliates must adhere to the Online Lenders Alliance Best Practices regarding Advertising and Marketing, a current version of which can be found as a PDF attachment at the end of this hyperlink: https://onlinelendersalliance.org/best-practices/

Creative Guidelines

Affiliates can only use the creative assets provided by Merchant. If you would like to use other assets, you must receive written approval by Merchant prior to using. Violation of this policy may result in loss of commissions or termination from the program. You must abide by these terms and conditions at all times, including the requirements below.

• Creative assets will be available within the Affiliate Network portal. If additional assets are required, please contact your designated Merchant contact to request type, size, and advise whether the asset should be static or animated.
• Affiliates are not to use the term "Official Site" or any phrase or word with that connotation in their ad copy or website content (example: "MaxLend Official Site".
• The term "no credit checks" and the use of APR rates or prices cannot be included in promotions (examples: "Only $9.31 per $100 loaned", "No Credit Checks")
• Affiliates can only promote via e-mail communication at this time to their existing customer base and only after prior written approval by Merchant; please reach out to your designated Merchant contact for more information
• Affiliates cannot advertise on websites containing adult content, sexually explicit content or ads, or illegal or demeaning content or websites that promote violence, discrimination based on race, religion, sexual orientation, national origin, disability or age.
• Affiliates cannot change any link coding
• Using copyrighted or registered icons is NOT permitted unless provided by Merchant
• All information should be represented fairly and accurately
• Display URLs must represent the actual landing page where traffic is being sent
• Affiliates are prohibited from using the brand term in any part of the URL when sending traffic to your site
• Affiliate agrees not to use SPAM, spyware, parasiteware, or adware