1.
FIXED SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974
This Agreement is made on the terms, including the Terms and Conditions below, between: - Us, CFO Lending of Copper
House, 88 Snakes Lane East, Woodford Green, Essex, IG8 7HX ("the Creditor") and You, ("the Debtor"):
Name: Taiwo Shodeinde
Address: 140, Bradley Road, Bedfordshire, Luton, LU4 0AS
Credit intermediary (if any) (name and address)
FINANCIAL PARTICULARS
Amount of Credit: £160.00 We will pay this amount, on the date of this Agreement, into the bank account nominated by You
when applying for this Agreement.
Duration of Agreement: 26 day s
Total Charge For Credit: £57.60 comprising interest for the Duration of Agreement at the rate of 36.00% fixed, precomputed and applied to the Amount of Credit on the date of this Agreement, and equal to a fixed annual interest rate of
432.00%.
Total Amount Payable: £217.60(comprising the Amount of Credit and the Total Charge for Credit) payable by a single
payment on the 28/03/2013 (the "Payment Date").
APR: 7393.4% The APR is calculated on the assumption that the Total Amount Payable will be paid in full on the Payment
Date.
You must pay us any reasonable costs and expenses that we may incur in tracing You if You move address without first
notifying Us. In addition, You must pay us any reasonable costs and expenses we may incur in taking steps to enforce, or
attempt to enforce, our rights against You under this Agreement.
If you default in making payment, you will be charged a missed payment administration fee of £25.00.
We may charge You default interest at the rate stated under Total Charge for Credit on any sum not paid by its due date,
from the due date of payment until its receipt by us, after as well as before any court judgment which we may obtain against
You.
If You request it and We agree to it, We may defer your repayment date until a future date, agreed by us no more than 31
days after your contracted due date. You agree to pay Us the interest on the amount due on or before your contracted due
date.
RIGHT OF WITHDRAWAL
You have the right, under s66A of the Consumer Credit Act 1974 (“the Act”), to withdraw from this Agreement without
giving any reason, before the end of 14 days beginning with the day after the day on which You are notified that the agreement
has been made. You may exercise this right by oral or written notice to Us. You must then repay to Us the Amount of Credit
together with interest at the at the rate stated under Total Charge for Credit from the date of the Agreement until the date of
payment to us, at £1.92 per day. Please see clause 2 of the Terms and Conditions for more information on your right to
withdraw and the consequences of withdrawal.
EARLY REPAYMENT
You have the right to make early payment of the whole or part of the Total Amount Payable before the Payment Date. See
clause 3.
IMPORTANT: USE OF YOUR INFORMATION
You have a right to know how we will use your personal information. It is important that You read clause 8 of the Terms and
Conditions before You sign. We may send You information about products of ours and others which may be of interest to
You. We may also pass your details to other selected businesses to enable them to send You information about their
products. You have a right at any time to stop us from contacting you or giving your details to others for these purposes. If
You wish us to stop, please enter your surname here: _____________________or write to us at any time.
TERMS AND CONDITIONS
1.1 We will pay the Amount of Credit into a bank account nominated by You. You confirm that your salary was paid last
month and will be paid on the Payment Date, into the bank account notified by You to Us when applying for this Agreement
(the “Account”).You will ensure that sufficient funds are available in the Account to repay Us the Total Amount Payable on
the Payment Date.
1.2 You agree to pay Us the Total Amount Payable by a single payment promptly on the Payment Date. You grant us
permission to debit the Total Amount Payable to the Account on the Payment Date, using either debit card details provided
by yourself, or a direct debit at our option. By entering this agreement you are agreeing to a continuous payment authority.
You may withdraw continuous payment authority at any time by notifying Us but You must make an alternative arrangement
for payment.
Without limiting our rights under clause 1.3, if you fail to pay the Total Amount Payable by the Payment Date by providing Us
with a debit card number and agreeing to continuous payment authority You authorise Us until further notice by You and
provided we have given You appropriate notice, to take a payment by debiting the Account at any time after the Payment
Date, for the payment of the Total Amount Payable together with any default interest. If during this period your payment fails,
We may seek to collect a lower payment from You although You will continue to owe Us the remaining balance.
If the Total Amount Payable, or such other amount as agreed with You prior to the payment date, is not received on the
Payment Date We will use the continuous payment authority to attempt to collect payment for 3 business days following the
Loan Agreement

2. We may seek to collect a lower payment from You although You will continue to owe Us the remaining balance.
If the Total Amount Payable, or such other amount as agreed with You prior to the payment date, is not received on the
Payment Date We will use the continuous payment authority to attempt to collect payment for 3 business days following the
Payment Date. You will be charged and We will attempt to collect payment of a missed payment administration fee of
£25.00. Where We collect a lower payment You will continue to owe Us the remaining balance.
We will suspend use of continuous payment authority and attempt to contact You to make alternative payment arrangements.
If following a further period of 7 days no alternative payment arrangement is in place We will resume use of continuous
payment authority and attempt to collect payment for up to 30 business days following the Payment Date. If You are
experiencing repayment difficulties it is important You let Us know.
1.3 All sums owed under this Agreement shall become due and payable immediately upon our giving notice to You if:
(a) any sum due is overdue by more than one day; or
(b) You have provided Us with any false information when You entered into this Agreement; or
(c) a statutory demand is served on You or any other steps are taken by You or any other person to make You bankrupt.
2.1 You will have a right to withdraw from this Agreement as set out above. You may exercise this right by giving Us oral or
written notice by:
(i) a letter to Us at CFO Lending at Copper House, 88 Snakes Lane East, Woodford Green, Essex, IG8 7HX
(ii) a fax to Us. Our fax number is 0208 090 6190; or
(iii) an email to Us. Our email address is info@cfolending.com or
(iv) telephoning us on 0208 045 1380.
If You withdraw from this Agreement after we have advanced the loan to You, You will still be required to repay to Us the
Amount of Credit plus interest as stated in clause 2.3 below.
2.2 By signing this Agreement You request Us to advance the Amount of Credit to You prior to the expiry of the withdrawal
period, although You acknowledge that we are not under an obligation to do so.
2.3 If You withdraw from this Agreement:
You must repay to Us without delay and no later than 30 days after the day of giving notice of withdrawal, by cheque, to our
address stated in clause 2.1(i):
(i) the Amount of Credit;
(ii) interest accrued on the Amount of Credit from the date it was provided to the date of repayment by you, at the rate and in
the daily sum stated in the Financial Particulars.
3. You are entitled, under s94 of the Act, by notice to Us by any means described in clause 2.1, at any time prior to the
Payment Date, to repay in full or in part the outstanding balance under this Agreement, less any rebate to which you may be
entitled under the Act. We will notify You of the sum due on request.
4.1 This Agreement is unsecured.
4.2 If we do not enforce our rights under this Agreement at any time, we will not be prevented from doing so later.
4.3 Any notice or demand we give will be assumed to have been properly given if served on You personally, or left or sent by
prepaid envelope addressed to You at your current address or last known business or private address. If sent by first class
post it will be assumed to have been received by You 48 hours after posting. You may at any time request us to communicate
with you by email by providing us with your email address.
4.4 You grant Us permission to contact your employer named in your Employment Details, as may be permitted by law and at
any time as may be reasonably required by Us.
4.5 We may transfer all or any of our rights under this Agreement provided that this does not adversely affect Your rights.
You may not transfer your rights or obligations under this Agreement.
5. We are registered at Companies House under number 06736553. Our main business is consumer lending and we provide
short term credit facilities to debtors in return for the repayment of the credit and the payment of interest. We are authorised
by the Office of Fair Trading, which is our supervisory authority under the Act. Our Consumer Credit Licence Number on its
register is 623671.
6. If You have a complaint, please either call 0208 045 1380 or email customer.services@cfolending.com or alternatively
write to Customer Services, CFO Lending Limited, Copper House, 88 Snakes Lane East, Woodford Green, Essex, IG8
7HX and we will investigate it and give any redress to which we feel You are entitled. We will write to you with our final
response. As we are a member of the Consumer Credit Trade Association You may wish to contact them if you are unhappy
with the result of discussions with Us. If You are not happy with our final response, You have a right to refer your complain to
the Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 08000 234
567. To do so You would need to notify FOS in writing within 6 months of our final response.

3. response. As we are a member of the Consumer Credit Trade Association You may wish to contact them if you are unhappy
with the result of discussions with Us. If You are not happy with our final response, You have a right to refer your complain to
the Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 08000 234
567. To do so You would need to notify FOS in writing within 6 months of our final response.
7. Words and expressions to which meanings have been given in the Financial Particulars, shall bear those meanings in these
Terms and Conditions. This Agreement shall be governed by and construed in accordance with the law of England and
Wales.
USE OF YOUR INFORMATION
1) When You apply to Us to open an account, we will check the following records about You and others (see 2 below)
a) Our own;
b) those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your
credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit
and fraud prevention information.
c) those at fraud prevention agencies (FPAs). We will make checks, such as assessing this application for credit and verifying
identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to
manage your account with us.
2) If You are making a joint application or tell us that you have a spouse or financial associate, we will link your records
together so You must be sure that You have their agreement to disclose information about them. CRAs also link your records
together and these links will remain on your and their files until such time as You or your partner successfully files for a
disassociation with the CRAs to break that link.
3) Information on applications will be sent to CRAs and will be recorded by them. Where You borrow from us, we will give
details of your accounts and how You manage it/them to CRAs. If You borrow and do not repay in full and on time, CRAs
will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform
similar checks and to trace your whereabouts and recover debts that You owe. Records remain on file for 6 years after they
are closed, whether settled by u or defaulted.
4) If You give Us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this
information to FPAs and other organisations involved in crime and fraud prevention.
5) If You have borrowed from us and do not make payments that You owe us, we will trace your whereabouts and recover
debts.
6) We and other organisations may access and use from other countries the information recorded by fraud prevention
agencies.
7) Your data may also be used for other purposes for which You give your specific permission or, in very limited
circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
How to find out more
This is a condensed version of the “Use of Your Information” and if You would like to read the full details of how your data
may be used please visit our website at www.cfolending.com
Please write to Us at our address stated above or email info@cfolending.com, or telephone Us if you require details of the
credit reference agencies or any other agencies from whom we obtain, and to whom we pass information about You. You
have a legal right to these details. You have a right to receive a copy of the information we hold about You if You apply to Us
in writing. A fee of £10.00 will be payable.
Signature by you:
Please complete the form below to digitally sign and accept your loan agreement. By entering your surname and the code that
was sent to You by email and SMS You are entering into a legally binding agreement.
This is a Credit Agreement regulated by the Consumer credit Act 1974. Sign it only if you want to be bound by its terms.
Signature of the Debtor
tAIWO
Shodeinde
Surname:......................................
Code:...........................................
Acceptance by us:
Signed for and on behalf of CFO Lending
.........................................duly authorised
Date.................................which is the date of this Agreement