Moneylender Public Register. Appendix B Frederick Collins t/a Westgate Finance

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1 Moneylender Public Register Appendix B Frederick Collins t/a Westgate Finance The Financial Regulator in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to Frederick Collins t/a Westgate Finance a moneylender's licence from 1 August 2008 up to and including 31 July Collecting payments is forbidden a) at any time on a Sunday or public holiday; b) after 9 in the evening on any weekday; c) before 8 in the morning; and d) between 8 and 10 in the morning without written consent of the consumer. 2. Frederick Collins t/a Westgate Finance must advise its consumers that they are entitled to a cooling-off period. Statutory Requirements (1) The consent of the consumer is required if the firm visits or telephones the consumer at his place of employment, at any place between the hours of 9 in the evening on any week day and 9 in the morning on the following day or at any time on a Sunday or public holiday. (2) The written consent of the consumer is required if the firm visits or telephones a member of the consumer s family or employer (unless that family member or employer are party to the agreement). Frederick Collins t/a Westgate Finance offers loans under the following terms & conditions: The Consumer shall repay the loan amount together with the interest by the instalments and in the manner specified in the Promissory note. The repayment obligations shall commence on the date specified on the Promissory note. All repayments shall be made in Frederick Collins t/a Westgate Finance s office. In the case of any default in payment as agreed, the entire balance of the loan shall become due and payable at the option of the lender. The Consumer may settle the agreement early and will be entitled to a reduction in the cost of credit in accordance with Section 52 of the Consumer Credit Act, 1995 (as amended). Appendix C Corrib Finance Ltd L The Financial Regulator in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to Corrib Finance Ltd a moneylender's licence from 1 August 2008 up to and including 31 July Consumers who pay by Bank Giro, Direct Debit, Postal Order, Cheque or Money Order shall be sent statements of their accounts showing their repayment records and outstanding balances in accordance with the Sixth Schedule of the Consumer Credit Act, 1995 (as amended). Where Consumers pay weekly the statements will be sent on a monthly basis. Where payments are monthly the statements will be sent quarterly. Corrib Finance Ltd must advise its Consumers that once they have signed an agreement they may cancel the agreement within 10 days. Statutory Requirements The consent of the consumer is required if the firm visits or telephones the consumer at his place of employment, at any place between the hours of 9 in the evening on any week day and 10 in the morning on the following day or at any time on a Sunday or public holiday. The written consent of the consumer is required if the firm visits or telephones a member of the consumer s family or employer (unless that family member or employer are party to the agreement). Corrib Finance Ltd offers loans under the following terms & conditions: 1 In consideration of the firm opening an account in the consumer s name and for so long as the account is maintained the consumer will make the monthly payments as specified [on the agreement] to the firm. Should the consumer make any payments to the firm by post or to any other persons for transmission to the firm they shall be at the risk of the consumer and shall only be credited to the consumer s account when received by the firm. 2. In the event of default by the consumer in; (a) making any monthly payment within seven days of the same becoming due; or (b) paying any instalment, rental or other sum within seven days of the same becoming due, or performing any terms or conditions of any other agreement made by the consumer with the firm or any subsidiary or associated company of the firm; the firm shall be entitled to demand immediate payment of the debit balance of the consumer s account and until such payment, interest shall continue to accrue at the rate of interest applicable immediately prior to the date of demand. 3. In the event of two or more persons constituting the consumer, the liability of such persons shall be joint and several. 4. The consumer may close the account at any time by paying the balance then outstanding together with all interest due to the firm.the formula for early termination of the agreement (subject to Section 52 of the Consumer Credit Act, 1995) is as follows: The interest shall be charged as per the Rule of 78. Interest shall be charged from the date on the agreement to the date of settlement (all months or part thereof). 5 (a) The consumer hereby authorises the lender to disclose any information or documentation relating to the loan or the moneylending agreement. This authorisation constitutes a consent for the purposes of the Data Protection Act, (b) The consumer hereby authorises the lender to register information about the consumer with a licensed credit reference agency. Information thus registered is used only to help make credit decisions or occasionally for fraud prevention or tracing debtors.

2 Appendix D J.A. Kilroy & Son Ltd L Financial Regulator in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to J.A. Kilroy & Son Ltd t/a Arden Finance a moneylender s licence from 1 August 2008 up to and including 31 July Customers who pay by Bank Giro, Direct Debit, Postal Order, Cheque or Money Order shall be sent statements of their accounts showing their repayment records and outstanding balances in accordance with the Sixth Schedule of the Consumer Credit Act Where customers pay weekly the statements will be sent on a monthly basis. Where payments are monthly the statements will be sent quarterly. 2. J.A. Kilroy & Son Ltd t/a Arden Finance must advise its customers that once they have signed an agreement they may cancel the agreement within 10 days. 3. The written consent of the consumer is required if the firm visits or telephones a member of the consumer's family or employer (unless that family member or emplyer is party to the agreement).

3 J.A. Kilroy & Son Ltd t/a Arden Finance offers loans under the following terms & conditions: 1. The firm shall open an account in the consumer s name and for so long as the account is maintained the consumer will make monthly payments specified in the agreement to the firm. Should the consumer make any payments to the firm by post or to any other persons for transmissions to the firm, they shall be at the risk of the consumer and shall only be credited to the consumer s account when received by the firm. 2. In the event of default by the consumer in; (a) making any monthly payment within seven days of the same becoming due; or (b) paying any instalment, rental or other sum within seven days of the same becoming due, or performing any terms or conditions of any other agreement made by the consumer with the firm or any subsidiary or associated company of the firm; then the firm shall be entitled to demand immediate payment of the debit balance of the consumer s account and until such payment, interest shall continue to accrue at the rate of interest applicable immediately prior to the date of demand. 3. In the event of two or more persons constituting the consumer the liability of such persons shall be joint and several. 4. The consumer agrees that the goods purchased under the agreement shall be pledged as security to the firm in the event of the consumer failing to abide by the terms and conditions of the contract, subject to Section 54 of the Consumer Credit Act, 1995 (as amended) (the Act). 5. The consumer may close the account at any time by paying the balance outstanding together with all interest due to the firm. In accordance with Section 52 of the Act, the consumer is entitled to terminate the agreement early and the firm shall allow a reduction in the total cost of credit. Appendix E. Licensed from 2 May 2008 up to and including the 1 May Appendix F Maddens Finance Ltd L The Financial Regulator in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to Maddens Finance Ltd a moneylender's licence from 1 August 2008 up to and including 31 July Customers who pay by Bank Giro, Direct Debit, Postal Order, Cheque or Money Order shall be sent statements of their accounts showing their repayment records and outstanding balances in accordance with the Sixth Schedule of the Consumer Credit Act Where customers pay weekly the statements will be sent on a monthly basis. Where payments are monthly the statements will be sent quarterly.

4 2. Maddens Finance Limited must advise its customers that once they have signed an agreement they may cancel the agreement within 10 days. 3 The written consent of the consumer is required if the firm visits or telephones a member of the consumer's family or employer (unless the family member or employer is party to the agreements). The firm shall open an account in the consumer s name and for so long as the account is maintained the consumer will make monthly payments specified in the agreement to the firm. Should the consumer make any payments to the firm by post or to any other persons for transmissions to the firm they shall be at the risk of the consumer and shall only be credited to the consumer s account when received by the firm. In the event of default by the consumer in; (a) making any monthly payment within seven days of the same becoming due; or (b) paying any instalment rental or other sum within seven days of the same becoming due or performing any terms or conditions of any other agreement made by the consumer with the firm. The firm shall be entitled to demand immediate payment of the debit balance of the consumer s account and until such payment, interest shall continue to accrue at the rate of interest applicable immediately prior to the date of demand. The consumer acknowledges that the goods purchased shall be used as security for the sum owed to the firm under the agreement. In the event that the consumer fails to abide by the terms and conditions of the agreement a notice will be issued and then the goods shall be repossessed in accordance with Section 54 and other provisions of the Consumer Credit Act In the event of two or more persons constituting the consumer the liability of such persons shall be joint and several. The consumer may close the account at any time by paying the balance outstanding together with all interest due to the firm in accordance with Section 52 of the Consumer Credit Act, 1995 (as amended). The formula for the early termination is the rule of 78 The agreement may be assigned by the firm at anytime and any requirement to give notice of any such assignment is waived by the consumer. The failure of the firm to enforce at any time or for any period any one or more of the terms or conditions of the agreement, shall not be a waiver by the firm of its rights to enforce all terms and conditions of the agreement.

5 Appendix H James McKenna t/a Shannon Credit Services L The Financial Regulator in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to James McKenna t/a Shannon Credit Services a moneylender's licence from 1 August 2008 up to and including 31 July Collecting payment is forbidden a) at any time on a Sunday or public holiday; b) after 9 in the evening on any weekday; c) before 8 in the morning; and d) between 8 and 10 in the morning without written consent of the consumer. 4. James Mc Kenna t/a Shannon Credit Services must advise its customers that once they have signed an agreement they may cancel the agreement within 10 days. Statutory Requirements 1 If the agreement includes a collection charge, a consumer shall have the option of making the repayment at the business premises and the collection charge will not be payable. 2 The consent of the consumer is required if the firm visits or telephones the consumer at his place of employment, at any place between the hours of 9 in the evening on any week day and 9 in the morning on the following day or at any time on a Sunday or public holiday. 3 The firm shall not visit or telephone a consumer without his/her consent at his/her place of employment or business unless the consumer reisdes at that place and all resonable efforts to make contact with him/her have failed, for any purpose connected with an agreement other than the service of a document in connection with legal proceedings. 4 The firm shall not visit or telephone the consumer without his/her consent at any place, between the ours of 9pm on any week day and 9 am on the following day, or any time on a Sunday or a public holiday (within the meaning of the Holidays (Employees) Act, 1973), for any purposes connected with an agreement other than the service of a document in connection with legal proceedings. other statutory requirements s per Appendix v 5 The firm shall not visit or telephone the consumer's employer or any member of the consumer's family unless that employee or family member is a party to the agreement, without the written consent of the consumer given in writing and separate from any other term of agreement, for any purposes connected with an agreement other than the service of a document in connection with legal proceedings. James Mc Kenna t/a Shannon Credit Services offers loans under the following terms & conditions: 1. All loans must be paid up by regular weekly instalments. 2. The moneylender requests consumers not to take up more credit than they can pay by regular weekly payments. 3. Customers must only obtain credit for their own use, and the use of their families. 4. Consumers when applying for repeat or additional credit must produce their repayment card. The Consumer may settle the agreement early and will be entitled to a reduction in the cost of credit in accordance with Section 52 of the Consumer Credit Act, 1995 (as amended).

6 Appendix I National Carways L The Financial Regulator (Irish Financial Services Regulatory Authority), in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to National Carways Ltd authorising the said National Carways Ltd to engage in the business of moneylending under the name(s) of National Carways Ltd from 1 August 2008 up to and including 31 July National Carways Limited is licensed only to collect repayments on outstanding moneylending agreements issued up to and including 16 May National Carways Limited is prohibited from advancing new moneylending agreements in the period 1 August 2008 up to and including 31 July Customers who pay by bank giro, direct debit, postal order, cheque or money order shall be sent statements of their accounts showing their repayment records and outstanding balances in accordance with the Sixth Schedule of the Consumer Credit Act Where customers pay weekly the statements will be sent on a monthly basis. Where payments are monthly the statements will be sent quarterly. 4. The written consent of the consumer is required if the firm visits or telephones a member of the consumer s family or employer (unless that family member or employer is party to the agreement). Terms and conditions relating to an agreement after it has been signed In default of making any one payment within fourteen days from its due date the whole of the outstanding principal will become immediately due and payable together with interest stated in the agreement and no time given or indulgence granted or allowance made to us will prejudice the strict rights of the holder. The firm reserves the right to alter, delete or add to the terms and conditions of application or loan agreements from time to time subject to the provisions of the Consumer Credit Act, 1995 (as amended).

7 Appendix J Maurice O'Connor t/a Consumer Credit Cork The Irish Financial Services Regulatory Authority (Financial Regulator), in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) ( the Act ) hereby grants to Maurice O Connor t/a Consumer Credit Cork of 19 Cook Street, Cork, Co. Cork a moneylender s licence (licence number L000055) authorising Maurice O Connor t/a Consumer Credit Cork to engage in the business of moneylending in the name of Maurice O Connor t/a Consumer Credit Cork. From 24 January 2009 up to and including 23 January 2010 Maurice O Connor t/a Consumer Credit Cork is licensed to engage in the business of moneylending. 1. Moneylending agreements are to be subject to a maximum of 34.81% APR (annual percentage rate of charge) for a maximum term of 52 weeks, where collection charge is nil. 2. Collection charge nil. 3. Collecting payment is forbidden a) at any time on a Sunday or public holiday; b) after 9 in the evening on any weekday; c) before 8 in the morning ; and d) between 8 and 10 in the morning without written consent of the consumer. 4. Maurice O Connor t/a Consumer Credit Cork must advise its customers that once they have signed an agreement they may cancel the agreement within 10 days. Statutory Requirements (1) The consent of the consumer is required if the firm visits or telephones the consumer at his place of employment, at any place between the hours of 9 in the evening on any week day and 9 in the morning on the following day or at any time on a Sunday or public holiday. (2) The written consent of the consumer is required if the firm visits or telephones a member of the consumer s family or employer (unless that family member or employer are party to the agreement). Maurice O Connor t/a Consumer Credit Cork offers loans under the following terms & conditions: In consideration of Maurice O Connor t/a Consumer Credit Cork opening an account in the Consumer s name and for so long as the account, the subject here of, is maintained, the Consumer will make the monthly/ weekly payments specified in the agreement such payment to Maurice O Connor t/a Consumer Credit Cork, but should the Consumer make any payment to Maurice O Connor t/a Consumer Credit Cork by post or to any other person for transmission to the Firm they shall be at the risk of the Consumer and shall only be credited to the Consumer s account when received by Maurice O Connor t/a Consumer Credit Cork. If the Consumer (a) fails to pay any instalment or (b) fails to perform or observe any of the terms and conditions of the agreement or (c) if any information provided by the Consumer is in-correct, incomplete, inaccurate or untrue then in such an event, Maurice O Connor t/a Consumer Credit Cork shall serve a notice of default in accordance with Section 54 of the Act and thereafter and for all purposes terminate the agreement provided that before termination we shall serve notice on the Consumer telling the Consumer of the action we propose to take. If the Consumer does not remedy the breach of agreement detailed in that notice or pay the sum stated to be compensation for the breach within 21 days of the date of service of the notice on the Consumer, Maurice O Connor t/a Consumer Credit Cork, shall then enforce its rights against the Consumer. In the event of two or more persons constituting the Consumer the liability of such persons shall be joint and several. The Consumer may settle the agreement at any time by paying the outstanding balance together with all interest due to Maurice O Connor t/a Consumer Credit Cork and will be entitled to a reduction in the cost of credit in accordance with Section 52 of the Act. The calculation for a reduction in the cost of credit is based on the rule of 78. The interest shall be divided over the duration of the loan using the Rule of 78 method. Interest shall be charged from the date of the agreement to the settlement date.

8 Appendix K Oxendale & Co. Ltd L The Financial Regulator in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to Oxendale & Co. Ltd t/a Simply be, Shoe Tailor, Naturally Close, Heather Valley, Simply Yours, Marisota, Jacamo, House of Bath and Christmas Gifts Direct a moneylender's licence from 1 August 2008 up to and including 31 July Oxendale & Co Ltd t/a Simply Be, Shoe Tailor, Naturally Close, Heather Valley, Simply Yours, Marisota, Jacamo, House of Bath and Christmas Gifts Direct must advise its customers that once they have signed an agreement they may cancel the agreement within 10 days. 2. Customers who pay by Bank Giro, Direct Debit, Postal Order, Cheque or Money Order shall be sent statements of their accounts showing their repayment records and outstanding balances in accordance with the Sixth Schedule of the Consumer Credit Act Where customers pay weekly the statements will be sent on a monthly basis. Where payments are monthly the statements will be sent quarterly. 3. The firm shall not visit or telephone a consumer without his/her consent at his/her place of employment or business unless the consumer resides at that place and all reasonable efforts to make contact with him/her have failed, for any purposes connected with an agreement other than the service of a document in connection with legal proceedings. The firm shall not visit or telephone the consumer without his/her consent at any place, between the hours of 9 p.m. on any week day and 9 a.m. on the following day, or at any time on a Sunday or a public holiday (within the meaning of the Holidays (Employees) Act, 1973), for any purposes connected with an agreement other than the service of a document in connection with legal proceedings. The firm shall not visit or telephone the consumer s employer or any member of the consumer s family unless that employer or family member is a party to the agreement, without the consent of the consumer, given in writing and separate from any other term of agreement, for any purposes connected with an agreement other than the service of a document in connection with legal proceedings. The firm offers loans under the following terms and conditions: The firm reserves the right to close the account and require immediate payment of the whole balance if the consumer fails to make payments as they fall due. Interest will continue to be charged until the payment has been made, subject to Section 54 of the Consumer Credit Act, The firm reserves the right to vary the terms of this agreement at any time (for example, your credit limit or interest rate, or to reflect any change in law, business processes or market conditions). Thefirm will not increasea consumer s credit limit unless the consumer requests the firmto do so and the firmagrees. Thefirm will give the consumer reasonable notice in writing of any variation. Appendix L Practical Finance Ltd L The Financial Regulator in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to Practical Finance Ltd a moneylender's licence from 1 August 08 to 31 July Customers who pay by Bank Giro, Direct Debit, Postal Order, Cheque or Money Order shall be sent statements of their accounts showing their repayment records and outstanding balances in accordance with the Sixth Schedule of the Consumer Credit Act Where customers pay weekly the statements will be sent on a monthly basis. Where payments are monthly the statements will be sent quarterly. 2 Practical Finance Ltd must advise its customers that once they have signed an agreement they may cancel the agreement within 10 days. 3 The written consent of the consumer is requried if the firm visits or telephones a member of the consumer's family or employer (unless that family member or employer are party to the agreement).

9 Terms and conditions That the consumer irrevocably authorises the firm to make any appropriate enquiries in relation to and arising from the acceptance of the moneylending agreement and the consumer confirms that the firm may disclose information relating to his/her account, if opened, to any credit reference bureau or credit intermediary. The consumer shall repay the loan amount together with the interest by the payments and in the manner specified in the agreement. The repayment obligations shall commence on the date specified in the application form. Where the repayment is by direct debit, missed or cancelled direct debits will be automatically represented for payment at the firm s discretion. Where the consumer is more than one person the obligations of the consumer shall be joint and several. Any time, indulgence or waiver granted to the consumer by the firm shall not affect the firm s strict rights under the Agreement. Time of payment of any sum payable by the consumer under the agreement shall be of the essence and, without prejudice to the firm s other rights. Interest on default shall be payable as specified in the agreement and shall be in accordance with the provisions of Section 112 of the Consumer Credit Act, 1995 (as amended). The rights & remedies of the firm referred to herein are cumulative and not exclusive of any rights or remedies provided by law. Cooling off Period sets out the consumer s right to withdraw from the agreement by giving written notice to the firm within a period of 10 days of the date of receipt of a copy of the agreement. Waiver means the consumer s right to withdraw from the cooling off period if he/she so wishes by giving a written statement to the effect separately from any other term of the agreement. The consumer is entitled to settle the agreement early and will be entitled to a reduction in the cost of credit in accordance with Section 52 of the Act. The calculation for reduction in the cost of credit is based on the rule of 78. Under Section 100(2)(b) of the Consumer Credit Act, 1995 (as amended) the firm shall upon request provide the consumer with a full statement.

10 Appendix M Premium Finance Ltd L The Irish Financial Services Regulatory Authority, in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to Premium Credit Limited t/a Premium Credit Ireland and Fairway Credit a moneylender's licence authorising the said Premium Credit Limited t/a Premium Credit Ireland and Fairway Credit to engage in the business of moneylending under the name(s) of Premium Credit Limited t/a Premium Credit Ireland and Fairway Credit. From 12 April 2008 up to and including 11 April 2009 Premium Credit Limited t/a Premium Credit Ireland and Fairway Credit is licensed to engage in the business of moneylending. 1. Moneylending agreements are to be subject to a maximum APR (annual percentage rate of charge) of 29.6% for a maximum term of 12 months. 2. Collection charge is nil 3. Consumers who pay by Bank Giro, Direct Debit, Postal Order, Cheque or Money Order shall be sent statements of their accounts showing their repayment records and outstanding balances in accordance with the Sixth Schedule of the Consumer Credit Act Premium Credit Limited t/a Premium Credit Ireland and Fairway Credit must advise consumers that they are entitled to a cooling-off period. Statutory requirements The written consent of the consumer is required if the firm visits or telephones a member of the consumer's family or employer (unless that family member or employer are party to the agreement). Agreement 1.1 Running account credit agreements are made between the consumer named on the credit agreement and the firm on the date the consumer signs the agreement. The firm agrees to lend to the consumer monies from time to time based on the terms and conditions set out either: for the purpose of financing insurance premiums under insurance policies contracted by the consumer with one or more insurer(s) and any related charges from time to time of which notice will be given by the intermediary which would be payable if the insurance premiums were paid for by cash; or for financing club membership fees payable by the consumer to the club from time to time, of which notice will be given by the club and not any other costs incurred in relation to the club or otherwise The consumer may only make drawdowns up to, but not exceeding, the credit limit by instructing the firm through an intermediary (where applicable), to advance monies on the consumer's behalf under the agreement to the intermediary or directly to the insurers/club as applicable Where applicable, the consumer undertakes to keep the insurance policy in his/her possession unless the firm requires the insurance policy. Account The firm will set up an account in the consumer's name under the agreement. The firm will debit the amount of any drawdowns and subject to section 112 of the Act any interest, fees, costs, charges and expenses, and credit all payments made under the agreement The firm will give notice in writing of the credit limit and at least 30 days notice in writing of any reduction in the credit limit. No reduction will result in the reduced credit limit being overdrawn at the time the reduction occurs. The credit limit shall not be increased unless the consumer requests it and the firm agrees The firm will send the consumer a statement of the account at least quarterly and each time a drawdown is made showing the new minimum monthly payment amount following such drawdown. Payments. 3. The consumer agrees to make the minimum monthly payments by direct debit by their due date. Punctual payment is essential. The consumer may pay more than the minimum monthly payment at any time. Charges and expenses Subject to section 112 of the act, the consumer agrees to pay the firm on demand all its legal costs incurred by the firm in enforcing its rights under this agreement The firm may ( but shall not be obliged to) debit to the account any amount referred to in this clause 4, which is not paid by its due date. Default If the consumer fails to make a minimum monthly payment within 7 days of the due date of payment or otherwise breach the terms and conditions or the consumer cancels the direct debit or in the event of bankruptcy or, if the client is a company, a resolution is passed or steps are taken for its dissolution, winding up, receivership or examinership, the firm may (subject to section 54 of the Act to the firm's first sending the client a default notice) terminate the agreement and assign the outstanding balance to the intermediary/club pursuant to clause Subject to section 54 of the Act, when clause 5.1 or 7 applies the firm shall notify the intermediary/club of termination or the ending of the agreement and shall be entitled to recover from the intermediary/club sums owed by the consumer to the firm. Where applicable, the consumer acknowledges and agree that (where applicable) the intermediary shall be entitled to ask the insurers, on the consumer's behalf, to cancel the insurance policy(s) and recover any such sums from the insurers that may be availableand to recover any balance from the consumer and he/she consents to the assignment by the firm to the intermediary of all rights which the firm may have to recover any such sums. Where applicable, the consumer acknowledges and agrees that the club shall be entitled to recover any such sums from him/her and he/she consents to the assignment by the firm to the club of all rights which the firm may have to recover such items. 5.3 Subject to section 54 of the Act where clause 5.2 applies the consumer acknowledges and agrees that (where applicable) the intermediary/club has the right to terminate the consumer's insurance policy/membership if he/she does not make arrangements with the intermediary/club to pay any outstanding amounts.

11 Restriction on further credit 6. The firm may at any time (subject to the provisions of the Act) treat the consumer's rights to draw down any further credit as restricted or deferred and take such steps as may be necessary to make the restriction or deferment affective. The firm will normally only do so if the consumer is in breach of the agreement e.g. by cancelling a direct debit or if his/her club membership is cancelled. The firm will notify the consumer of any decision to exercise its rights under clause 6 as soon as possible. Ending this agreement 7. Subject to section 52 and 54 of the Act the consumer or the firm may end this agreement at any time. The consumer may do so immediately by written notice to the firm The firm will give the consumer at least one month's notice unless clause 5 applies or there are serious grounds, which entitle the firm to terminate by shorter notice. Subject to section 52 of the Act, if the consumer or the firm ends this agreement the consumer must immediately pay to the firm the outstanding balance. If the consumer fails to do so the firm may (without prejudice to its other rights) notify the intermediary/club (where applicable) of the ending of this agreement in which event clause 5.2 will apply. Variation 8. Subject to section 112 of the Act, the firm may reduce the credit limit at its discretion in the manner set out in clauses 2.2 and 6. The firm may vary the interest rateand the APR and the minimum monthly payment in relation to further amounts drawn down as set out in the agreement and the firm may vary any other provision of the agreement, which is stated to be variable. The firm may also vary any of the terms and conditions so as to make them easier to understand, to take account of developments in technology or the introduction of a new facility, which may be of benefit to the consumer, to give effect to changes in law, regulation or applicable codes and practices or for any other valid reason. Save where the agreement states otherwise the firm will give the consumer at least 14 days notice in writing of any variation. Interest in policy 9. By entering into an agreement the consumer irrevocably directs the insurer to pay directly to the firm any sum to which the consumer may be entitled under any insurance policy whose premium is financed under the agreement in respect of any such policy. The firm will, and the consumer hereby irrevocably authorises the firm, to deduct any amount owed to the firm from any sum so received and pay any balance to the consumer. As security for payment of the outstanding balance, the consumer hereby charges, as beneficial owner, by way of fixed charge to the firm all monies payable to the consumer under the insurance policies. The charge hereby created shall be released at such time as the consumer becomes entitled to claim compensation in relation to the insurance polices. The firm shall be entitled to notify the insurers of the irrevocable instructions referred to above and/or the charge executed over all monies payable under the insurance policies and have this noted on the insurance policies. Miscellaneous 10.1 If the consumer has two or more agreements with the firm, the firm may appropriate any monthly payment or other sum received from the consumer towards discharge of any amounts payable under any one or more of such agreements. This does not effect the consumer's right to appropriate a payment (pursuant to section 44 of the Act) where it is insufficient to discharge the amounts payable by the consumer Any waiver, grant of time or indulgence by the firm shall not effect the firm's rights under this agreement or the firm's ability subsequently to enforce this agreement strictly in accordance with its terms The firm may assign and/or transfer any of its rights and/or obligations under this agreement provided that it does not adversely affect the consumer's rights or obligations under the agreement. The consumer may not assign or transfer any of his/her rights or obligations under this agreement If the consumer cancels this agreement within the statutory cancellation period under the Act (if applicable), the insurance policies may also be cancelled, in which event the consumer will be notified by the insurer or the intermediary. Data Protection 11.1 Details about the consumer and the conduct of the account will be used to help make credit, credit related and insurance related decisions about the consumer and the members of his/her household and occasionally for fraud prevention or to trace debtors. The consumer has a legal right to these details and can receive a copy of the information held about him/her on payment of a fee. The consumer also have a legal right to have any information held about him/her, which is incorrect, or misleading amended or erased Where applicable, the firm may give information about the consumer and the conduct of his/her account to any agent or administrator acting on the firm's behalf, the intermediary/club, debt collecting agents and any proposed successor or assignee or any proposed assignee, transferee or chargee of the agreement or of the firm's interest in the agreement, its insurers or advisers. The consumer also authorises the firm to obtain from the intermediary or insurer or club information about the status of his/her insurance/club membership at any time. The consumer acknowledges that the authorisation given to the firm pursuant to clause 11.2 constitutes consent for the purposes of the Data Protection Acts 1988 and The firm may use a credit scoring or other automated decision-making system and may monitor and record telephone calls for the purpose of security and training.

12 Authorisation by You Where applicable, the consumer irrevocably authorise the firm to notify the intermediary/club in accordance with the provisions of clauses 5.2 and Where applicable, the consumer acknowledges and agrees that the intermediary/club has been selected by him/her The consumer authorises the intermediary to request the firm orally or in writing (by whatever medium) or by to make drawdowns on his/her behalf. The consumer may end such authority of the intermediary by notice in writing to the intermediary and to the firm at any time. When the Act does not apply. 13. If the client is a body corporate, this agreement is not regulated by the Act and the rights, protections and provisions of the Act set out or referred to in the agreement do not apply. Law and Jurisdiction 14. The agreement shall be governed by, and construed in accordance with Irish law and the consumer/client agrees to the non-exclusive jurisdiction of the Irish Courts. Complaints 15. If the consumer wishes to make a complaint, he/she may do so by writing to the firm at Premium Credit Limited, Arena House, Arena Road, Sandyford Business Estate, Dublin 18. In the event that the consumer is not satisfied with our response he/she can refer the matter to the Financial Services Ombudsman's Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Notices 16. The firm may send any notices under the agreement to the consumer's address stated on the agreement or any other address notified by the consumer. The consumer agrees to immediately notify the firm in writing of any change of his/her address. Appendix N Shop Direct Ireland Ltd The Financial Regulator in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to Shop Direct Ireland Ltd t/a Littlewoods Ireland a moneylender's licence from 1 August 2008 up to and including 31 July Shop Direct Ireland Ltd t/a Littlewoods Ireland offers loans under the following terms & conditions: 1. Payment for purchases made on Buy Now Pay Later promotions will be due in the month specified in the promotion. The full cost of purchases will be charged to the consumer s account on the last statement received before the specified month. Once the Buy Now Pay Later transaction is charged to the consumer s account it will be shown as part of the current balance on which the firm calculates the consumer s minimum payments and interest charges. Any purchases will be taken into account in determining the consumer s remaining available credit, even though they may not yet have been charged to the account. 2. The consumer must pay at least the minimum payment in full by the due date shown on the statement. If the consumer fails to do so, the firm has the right to send the consumer a default notice in accordance with Section 54 of the Act. If the consumer does not pay off the arrears in full by the date mentioned on the notice, then the firm has the right to demand immediate payment of the full outstanding balance, less any rebate to which the consumer is entitled to in accordance with Section 53 of the Act. The outstanding balance for all purposes of the agreement will include all sums then due on the account, together with all payments due to be charged to the consumer s account at any time in the future under Buy Now Pay Later promotions. 3. The consumer must notify the firm if he/she changes his/her name or address in writing within 14 days. 4. The consumer must repay the firm s expenses and legal costs for any of the following: - locating him/her if he/she has changed his/her address without notifying the firm, - providing any administration services the consumer may request unless it can not legally charge for those services, - taking any action to remedy any breach of the agreement by the consumer other than a default in payments, - for any legal costs the firm incurs as a result of any default in payment by the consumer. 5. If the firm allows the consumer more time to make a payment or waives any of its other rights this will not affect the firm s legal rights under the agreement 6. By entering into the agreement the consumer authorises the firm to disclose any related information to any credit reference agency or to any person in or associated with the firm s group for the purpose of marketing goods and services in accordance with the Data Protection Policy as set out in the firm s catalogues and websites. 7.By entering into the agreement the consumer authorises the firm to contact the consumer by post, telephone, or other reasonable means for marketing purposes to offer you further products and services. Consumer may opt not to be contacted. The firm may also wish to contact consumers by text for marketing purposes to offer you further products and services. Consumers may opt not to be contacted. 8. Any letter, notice or statements given to the consumer in person or left at, or sent to the consumer s address, as stated on the agreement, or the consumers last known address will be deemed validly served. 9. The firm may transfer its rights and responsibilities under the agreement to another person or company. In the event that the firm transfers its involvement in the agreement to another person or company the consumer has the right to plead any defence against that person or company that the consumer would plead against the firm, including set-off. 10. The firm may debit the consumer s account on each occasion upon which the consumer provides the firm with authority to do so, by using its order form, calling its phone line or ordering via websites or the internet. 11. The firm reserves the right, subject to Section 54 of the Act to suspend the consumer s right to further credit under the account and to close the account and require immediate payment of the whole balance if the consumer fails to make any payments due under the agreement as they fall due or if the consumer is in breach of the agreement. Interest will continue to be charged until full payment has been made and the firm reserves the right to charge interest both before and after any judgement against the consumer. 12. If any term of the agreement is unenforceable for any reason, it shall not affect the enforceability of any other term of this agreement 13. Unless the consumer notifies the firm to the contrary, the firm may appropriate any payments received from the consumer in respect of his/her account to sums due under his/her account as the firm decides.

13 Appendix O Hidden Hearing Ltd L Statutory Requirements The written consent of the consumer is required if the firm visits or telephones a member of the consumer s family or employer (unless that family member or employer are party to the agreement). Hidden Hearing Ltd offers loans under the following terms & conditions: By signing the agreement, the Consumer declares that he has made the advance payment, if any, specified in the agreement to Hidden Hearing Ltd. The Consumer agrees to repay the loan plus interest by the payments set out in the agreement, by the specified dates to Hidden Hearing Ltd to the address stated in the agreement or to any person or address notified to the Consumer in writing. Punctual payment is essential. If the Consumer pays by post, he does so by his own risk. Hidden Hearing Ltd has the right to charge interest at the annual percentage rate shown in the agreement on all overdue amounts, including any balance which may become payable. This interest will be calculated on a daily basis from the date the amount falls due until it is received and will run both before and after any judgement subject to Section 112 of the Act. Hidden Hearing Ltd has the right to demand earlier payment of the balance of the loan plus interest then remaining unpaid (less the rebateto which you would have been entitled by statuteif you had then paid that balance in full) on the happening of any of the following events: (a) if any amount payable by the Consumer is overdue for more than fourteen days; (b) if any statement made by the Consumer in the course of obtaining the loan is found to be untrue; (c) where the loan is for the purpose of goods, if the Consumer sells or disposes of the goods or if the goods are stolen and not recovered within two months or if the goods are destroyed or the insurers treat a claim in respect of them on a total loss basis. Hidden Hearing Ltd will exercise this right by sending the Consumer a default notice subject to the terms of Section 54 of the Act. If the Consumer fails to take the required action within the time specified by the notice, the amount specified in the first paragraph above shall become due and payable immediately and carry interest as specified in the agreement. If the Consumer pays off the balance on the agreement before the date when the final instalment falls due the Consumer will be entitled to a reduction in the cost of credit in accordance with Section 52 of the Act. The Consumer must notify Hidden Hearing Ltd in writing within seven days of any change of address. If the Consumer fails to do so, he must repay Hidden Hearing Ltd s reasonable costs in finding the new address. General Provisions (a) No relaxation or indulgence, which Hidden Hearing Ltd may grant to the Consumer, shall affect Hidden Hearing Ltd s strict rights under this agreement. (b) Hidden Hearing Ltd may transfer their rights under this agreement. (c) Hidden Hearing Ltd may record the agreement with HP Information plc or any credit reference agency. (d) Where two or more persons are named as the borrower, they jointly and severally accept the obligations under the agreement. This means that either of the Consumers can be held fully responsible under the agreement. The agreement will only take affect if and when it is signed by Hidden Hearing Ltd or an authorised representative on their behalf and Hidden Hearing Ltd may first require proof that the Consumer has accepted as satisfactory the goods, services or installations in respect of which the loan is made.

14 Appendix Q Dagg Credit Finance Co Ltd L From 16th October 2008 up to and including 15th October 2009 The Applicant is licensed to engage in the business of moneylending. Appendix R Joyces Wexford Limited From 15 December 2008 up to and including 14 December 2009 Joyces Wexford Limited ("the firm") is licensed to engage in the business of moneylending. Moneylending agreements are to be subject to a maximum APR of 26.84% for a maximum term of 18 months, where the collection charge is nil. The firm must advise consumers that they are entitled to a cooling off period. 1. The date of monthly payments may be delayed in order to ensure that the monthly payments may be delayed in order to ensure that the monthly repayment is made at or about the time of each month that the Consumer is paid his wages or salary. 2. All payments made by the Consumer shall be by Standing Order or other such method as approved by Joyces Wexford Ltd. If payment by cheque is permitted, all cheques must be tendered in time for Joyces Wexford Ltd to have received cleared funds by the day payment is due. 3. The monthly interest rate is set out in the agreement. 4. The Consumer may repay the amount of credit at any time, by paying the balance of the amount of credit advanced and that month's interest charge(calculated at the monthly interest rate up until the consumers monthly payment date) and other costs or sum in respect of future interest after deduction of a rebate calculated in accordance of the 'Rule of 78' with a 2 month deferment of the settlement date if the agreement is for a term exceeding 60 months. This will be carried out in accordance with Section 52 of the Act. 5. Joyces Wexford Ltd may require immediate payment of the agreement following the service of a default notice, subject to Section 54 of the Act in instances where; - there is a default in payment - any information provided by the Consumer is found to be untrue, incomplete or inaccurate - the Consumer dies - the Consumer commits an act of bankruptcy or the Consumer is adjudicated a bankrupt or a meeting of the Consumer's creditors whether formal or informal is called. All sums received from the consumer will be applied first to interest. Interest will be payable by the conusmer (before and well as after a judgement) on any payments due under the agreements and not paid on the due dates. Interest will accrue from the due date until receipt of payment at the monthly interest rate applicable from time to time and shall be compounded monthly. The Consumer shall notify the firm immediately in writing of any change of postal address. Any document or notice sent to the consumer by the firm in connection with this agreement provided it is addressed to the consumer at the address set out on the agreement be deemed to have been received by the consumer on the working day following the day on which it was posted. The firm may assign this agreement or any of its rights, powers or discretions under it to any third party. The consumers consent to and authorise the firm to disclose to any perspective assignee or its employees advisors or agents any information relating to the consumer and the loan in respect of this agreement which is in the firm's possession. The firm may disclose any information to credit reference agency, to the insurers who insure any of the consumers liabilities under this agreement to the firms agents and suppliers and to any company which is in relation to the firm a subsidiary or holding company.

15 Appendix S - Murray Nolan t/a Morses Club Licence from 14 September 2008 up to and including 13 September Murray Nolan Limited t/a Morses Club offers loans under the following terms & conditions: 1. The Consumer must repay Murray Nolan Limited t/a Morses Club the total amount payable by the instalments and on the date set out in the agreement. Payments should be made directly to a representative. If for any reason the payment is not collected, then the Consumer must pay the amount due at the registered office of Murray Nolan Limited t/a Morses Club. If the customer pays by post, this is done at the customers own risk. The first payment is due one repayment interval following the date of the agreement. 2. The Consumer must pay each instalment in full on the due date. If the consumer fails to do so, Murray Nolan t/a Morses Club, have the right to send the Consumer a default notice in accordance with Section 54 of the Consumer Credit Act, 1995 (as amended). If the consumer does not pay off the arrears in full by the date mentioned on the notice then he is liable to pay Murray Nolan t/a Morses Club immediately the whole of the total amount payable, less any instalments paid and less (on payment) any rebate to which he is entitled in accordance with Section 52 of the Act. 3. The Consumer must notify Murray Nolan Limited t/a Morses Club if he changes his name or address in writing within 14 days. 4. The consumer must repay Murray Nolan Limited t/a Morses Club expenses and legal cost for any of the following: 1) locating him if he has changed his address without notifying Murray Nolan Limited t/a Morses Club, 2) adjusting the account when a cheque has been dishonoured, 3) taking steps, including court action to obtain payment. 5. If Murray Nolan t/a Morses Club, allow the Consumer more time to pay an instalment, this will not affect the Murray Nolan Limited t/a Morses Club legal rights under the agreement. 6. By signing the agreement, the consumer authorises Murray Nolan Limited t/a Morses Club to disclose any related information related to any credit reference agency or to any person in, or associated with Murray Nolan Limited t/a Morses Club, for the purposes of marketing goods and services. Murray Nolan Limited t/a Morses Club does not disclose information to third parties other than for the purpose of credit referencing. 7. The consumer has the option to authorise Murray Nolan Limited t/a Morses Club to call at his home to offer further goods and services. The Consumer's authorisation is defined as written approval to call during the period of the agreement. If the Consumer would like Murray Nolan Limited t/a Morses Club to call after the final payment has been made, Murray nolan t/a Morses Club will do so for a period of up to 6 months, if further consent is given. 8. Any letter, notice or statements given to the Consumer in person or left at, or sent to the Consumer's recorded address will be deemed validly served. Where sent by post they shall be deemed received by the Consumer within 48 of posting. Murray Nolan Limited t/a Morses Club may transfer their involvement in the agreement to another person or company. That person or company will then take over both the Murray Nolan Limited t/a Morses Club rights and responsibilities under the agreement. In the event that Murray Nolan Limited t/a Morses Club transfer their involvement in this agreement to another person or company, the Consumer has the right to plead any defence that the Consumer may have against that person or company that he would plead against Murray Nolan t/a Morses Club including set off. 10. The Consumer's signature on the agreement confirms his acceptance of these terms and conditions specified above and receipt of the credit specified in the agreement. Appendix V General Terms & Conditions for all C.C.A. Members The Financial Regulator, in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to Applicant Name & Address a moneylender s licence (licence number L******/08) authorising the moneylender to engage in the business of moneylending in the name(s) of the moneylender from 1 August 2008 up to and including 31 July Collecting payment is forbidden a) at any time on a Sunday or public holiday; b) after 9 in the evening on any weekday; c) before 8 in the morning; and d) between 8 and 10 in the morning without written consent of the consumer. 2. The moneylender must advise its customers that once they have signed an agreement they may cancel the agreement within 10 days. Statutory Requirements If the agreement includes a collection charge, a consumer shall have the option of making the repayment at the business premises and the collection charge will not be payable. The Creditor offers loans under the following terms & conditions: The Consumer must if he changes his address or name (even temporarily) tell the moneylender within 10 days, present your payment card when making a repayment The Consumer agrees to pay the moneylender the instalments in accordance with the agreement, to pay the moneylender's expenses and legal cost for the following: - finding out that the Consumer has moved address without telling them - dishonoured cheques (a cheque which bounces), to make available on request the repayment book (property of the Company) to enable the moneylender to complete, remove for audit or inspect (a receipt will be given). The Consumer acknowledges that he has received a true copy of this agreement, that the amount of credit is for his personal use only. The Moneylender may if the consumer has signed separately giving them permission to do so visit or telephone: the Consumer between 9pm and 9am Sundays or Bank Holidays at work or the Consumer s family - if the consumer requests or the consumer is difficult to contact -if a family member answers the door /telephone when the moneylender calls or the Consumer s employer if the consumer does not respond to the moneylender s attempts to contact him.

16 The Creditor may assign the agreement in writing to another person or persons, may if they temporarily relax the terms of the agreement at any time decide to enforce the terms again, may only charge interest (in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) including the requirements of Section 112) on the 1st Month following the expiry date on the balance outstanding at a rate not exceeding that specified in the agreement. Generally if two or more persons are named as the customer the liability of each shall be joint and several. This means that each person is fully and individually responsible for all the duties set out in the agreement. because the consumer is obliged to tell the Creditor if he has changed his address (see Consumer Must), all notices and statements delivered or sent to the address stated on the agreement or the present/last known address, all notices and statements delivered or sent to the address stated on the agreement shall be deemed validly given, if sent by prepaid closed mail to have been received by him within 48 hours after posting. The following are specific terms to individual moneylenders that replace some of the terms stated above: 1) Stock Investments Limited t/a Idea Credits 2) Eamon O'Neill 3) Belaga Limited 4)Byrnes (Bray)Ltd 5)Marlborot Trust Ltd 6)R& P Credit Ltd: The moneylender may contact the consumer's family if the consumer requests or is difficult to contact. The moneylender may contact the consumer's employer if the employer answers the door/telelphone when the firm calls or if the consumer does not respond to attempt by the firm to contact him/her. 1) Donal Reilly t/a DPD Credit 2)Louis Taylor t/a The Rock Finance Company 3)Burnol Ltd 4)Clydeway Limited 5)Esvic Ltd: The firm may, if the consumer has signed separately giving the firm permission to do so, visit or telephone the consumer between 8 a.m and 10 a.m. Allied Credit Limited: The consumer must tell the firm as soon as possible if the firm has agreed to collect the consumer's payments and the firm's representative does not call. Advance Personal Credit Ltd; the licence period is from 1 December 2008 to 30 November Appendix T National Carways (Ireland) Ltd L From 13 December 2008 up to and including 12 December 2009 National Carways (Ireland) Limited ("the firm") is licensed to engage in the business of moneylending. Moneylending agreements are to be subject to a maximum APR of 32.45% for a maximum term of 18 months, where the collection charge is nil. 2. Customers who pay by Bank Giro, Direct Debit, Postal Order, Cheque or Money Order shall be sent statements of their accounts showing their repayment records and outstanding balances in accordance with the Sixth Schedule of the Consumer Credit Act Where customers pay weekly the statements will be sent on a monthly basis. Where payments are monthly the statements will be sent quarterly. Statutory Requirements National Carways (Ireland) Ltd offers loans under the following terms & conditions: National Carways (Ireland) Ltd accept applications from suitable applicants, but if they are under the age of eighteen, their parents or guardians will be required to be the suitable applicants on their behalf and in which case we will explain to the parents or guardians that they will be accepting full responsibility for all repayments of all loans as they fall due until the entire amount borrowed with interest is paid in full. All applicants signing an agreement must be eighteen years of age or over. All applicants must be a resident in a district court district for which National Carways (Ireland) Ltd are licensed to engage in the business of moneylending. All applicants must be in full/part time employment on a permanent basis. Applicants will be required to produce back up documentation to confirm salaries and other information put forward. The following may require a householder to sign along with them to accept equal responsibility for all repayments as they fall due until the entire agreement is paid in full ; (a) son or daughter who is living at home or (b) someone who is renting accommodation. All loans are granted at the discretion of the firm. It is at the discretion of the firm to approve or otherwise an application which does not meet its requirements.

17 Relating to an agreement after it has been signed After signing all parties will receive by ordinary post a copy of the agreement within 10 days along with a copy of a schedule for early repayment of loan. A detailed statement on a monthly paying account will be sent out every three months. A detailed statement on a weekly paying account will be sent out every month. A charge of 3 is payable for each duplicate credit transfer book issued. In default of making any one payment within fourteen days from its due datethe wholeof the outstanding principal will becomeimmediately due and payabletogether with interest stated in the agreement and no timegiven or indulgence granted or allowance made by the firm will prejudice the strict rights of the holder. National Carways (Ireland) Ltd reserves the right to alter, delete or add to the terms and conditions of application or loan agreements from time to time subject to the provisions of the Consumer Credit Act, 1995 (as amended). Appendix W The Irish Financial Services Regulatory Authority (Financial Regulator), in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) hereby grants to Provident Personal Credit Ltd t/a Provident a moneylending licence from 1 August 2008 up to and including 31 July Collecting payment is forbidden a) at any time on a Sunday or public holiday; b) after 9 in the evening on any weekday; c) before 8 in the morning; and d) between 8 and 10 in the morning without written consent of the consumer. 2. The moneylender must advise its customers that once they have signed an agreement they may cancel the agreement within 10 days. Statutory Requirements If the agreement includes a collection charge, a consumer shall have the option of making the repayment at the business premises and the collection charge will not be payable. The Creditor offers loans under the following terms & conditions: The Consumer must if he changes his name or address (even temporarily) tell the moneylender within 10 days, tell the firm as soon as possible if the firm's representative does not call for office payment agreements send or deliver his repayment book with each payment for updating if he/she loses any vouchers telephone the firm's local office as soon as possible and write to confirm within seven days. The Consumer agrees to pay the moneylender the instalments in accordance with the agreement, If payment is sent by post it is done so at the consumers own risk and repayments will only be deemed to have been made when received at the firm s office to send or make available his/her repayment book on request to enable the firm to complete, inspect or remove for audit (a receipt will be given). The consumer acknowledges that: he/she has received a true copy of his/her agreement the amount of credit is for the consumer s own personal use only; the information given on the agreement is true and correct; he/she has read and agrees to be bound by the terms of the agreement; and he/she has received a repayment book The firm will make the credit available to the consumer in the form of Provident Shopping Vouchers, except where the firm knows the identity of the supplier. In such a case the firm may make the credit available either by issue to the consumer of a shopping event booklet or by direct payment (in cash or by voucher) to the supplier. The firm is entitled to rely on the information provided by the consumer, unless it is manifestly inaccurate or incomplete or the firm is aware that the information is inaccurate or incomplete. The firm may end the agreement and/or demand immediate payments of all monies owing under the agreement in the event of the following: if any information given by the consumer is found to be incorrect and/or if the consumer fails to keep any part of the agreement and/or if the consumer becomes bankrupt or commits an act of bankruptcy. The firm may assign the agreement in writing to another person or persons. If the firm temporarily relaxes the terms of the agreement the firm may at any time decide to enforce the terms strictly again The firm may charge for default (in accordance with the Consumer Credit Act, 1995, Section 112) at a rate not exceeding the flat rate specified in the agreement on all arrears for such period the consumer is in arrears. This will apply only where there is wilful refusal to pay. Non-payment for any genuine and valid reason will not trigger this term. The firm may make any investigation or enquiry about the consumer and reveal such information relating to the agreement necessary for this purpose. Because the consumer is obliged to tell the firm if he/she changes address, all notices and statements delivered or sent to the address stated on the agreement or the present/last known address shall be deemed validly given. If so sent by prepaid closed mail to have been received by the consumer within 48 hours after posting. Appendix X From 1st August 2008 up to and including 31st July 2009 The Atlas Credit Company Ltd is licensed to engage in the business of moneylending.

18 1. Collecting payment is forbidden a) at any time on a Sunday or public holiday; b) after 9 in the evening on any weekday; c) before 8 in the morning; and d) between 8 and 10 in the morning without written consent of the consumer. 2. The moneylender must advise its customers that once they have signed an agreement they may cancel the agreement within 10 days. Statutory Requirements If the agreement includes a collection charge, a consumer shall have the option of making the repayment at the business premises and the collection charge will not be payable. The Atlas Credit Company (the firm) provides loans under the following terms & conditions The Consumer must if he changes his address (even temporarily) tell the firm within 10 days, if he changes his name tell the firm within 10 days, present his payment card when making a repayment The Consumer agrees to pay the moneylender the instalments in accordance with the agreement, to pay the moneylender's expenses and legal cost for the following: - finding out that the Consumer has moved address without telling them - dishonoured cheques (a cheque which bounces), to make available on request the repayment book (property of the Company) to enable the firm to complete or remove for audit or inspect (a receipt will be given). The Consumer acknowledges that he has received a true copy of this agreement, that the amount of credit is for his personal use only. The consumer has the right to terminate the agreement early, by writing to the firm. The consumer will be entitled to a rebate on the interest charged on the loan, calculated using the Rule of 78. The firm may if the consumer has signed separetly giving the firm permission to do so, visit or telephone the consumer between 9 p.m. and 9 a.m. on any weekday, on Sundays or Bank Holidays or at work. The firm may contact the consumer s family if the consumer requests, is difficult to contact or a family member answers the door/telephone when the firm calls. The firm may contact the consumer s employer if the consumer does not respond to attempts by the firm to contact him/her. The firm may assign the agreement in writing to another person or persons, may if they temporarily relax the terms of the agreement at any time decide to enforce the terms again, may only charge interest (in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) including the requirements of Section 112) on the 1st Month following the expiry date on the balance outstanding at a rate not exceeding that specified in the agreement. Generally if two or more persons are named as the customer the liability of each shall be joint and several, this means that each person is fully and individually responsible for all the duties set out in the agreement, because the consumer is obliged to tell the firm if he has changed his address (see Consumer Must), all notices and statements delivered or sent: to his address as stated on the Agreement unless a later address has been notified or to his present or last known address shall be deemed validly given, if sent by prepaid closed mail to have been received by him within 48 hours after posting. Appendix Y Marlboro Trust Ltd L Repayments: The cost of purchases may be spread over 20 equal payments. The amount of each repayment will be 5 cent per euro of the balance at date of last purchase. First Repayment: Will occur one repayment interval after the date of purchase. Credit Limit: May be varied to such a sum as may from time to time be determined by the creditor under the agreement and notice of it will be given to the consumer. Appendix Z From 28 December 2008 up to and including 27 December 2009 Michael O'Brien ('the firm') is licensed to engage in the business of moneylending. Moneylending agreements are to be subject to a maximum APR of % for a maximum term of 26 weeks, where the collection charge is nil. Collecting payment is forbidden: between 9 in the evening on any weekday and 10 in the morning on the following day without the consent of the consumer; and at any time on a Sunday or public holiday. Where the consumer gave written consent the moneylender may collect between 8 and 10 in the morning on any weekday. The firm must advise consumers that they are entitled to a cooling-off period. The consumer must tell the firm if the consumer changes his/her address. The consumer agrees to pay the instalments set out in his/her agreement. The consumer acknowledges that he/she has received a true copy of his/her agreement. The firm agrees to call for weekly repayments to the consumer's home only and will only call between the hours of 10 a.m. and 6 p.m. Monday to Saturday. The agreement can only be signed by the consumer. Appendix AA From 18 December 2008 up to and including 17 December 2009 Anthony Ruttledge t/a Express Loans ('the firm') is licensed to engage in the business of moneylending. Moneylending agreements are to be subject to a maximum APR of % for a maximum term of 26 weeks, where collection charge is nil. Collecting payment is forbidden: between 9 in the evening on any weekday and 10 in the morning on the following day without the consent of the consumer; and at any time on a Sunday or public holiday. Where the consumer gave written consent the moneylender may collect between 8 and 10 in the morning on any weekday. The firm must advise consumers that they are entitled to a cooling-off period. The consumer must tell Anthony Ruttledge t/a Express Loans (the firm) within 10 days if the consumer changes name or address (even if temporarily). The consumer must present his/her payment card when making a repayment The consumer agrees to pay the instalments set out in his/her agreement. The consumer agrees to pay the firm's expenses and legal costs for dishonoured cheques or finding out if the consumer has changed address without telling the firm. The consumer agrees to make his/her repayment book available on request to enable the firm to complete, inspect or remove for audit (a receipt will be given) The firm may, if the consumer has signed separatley giving the firm permission to do so, visit or telephone the consumer between 9 p.m. and 10 a.m. or at work. The firm may contact the consumer's family if the consumer requests, is difficult to contact or if a family member answers the door/telephone when the firm calls.

19 The firm may contact the consumer's employer if the consumer does not respond to attempts by the firm to contact him/her. The consumer acknowedges that she /he has received a true copy of the agreement and that the amount of credit is for the consumer's own personal use. The firm may assign the agreement in writing to another person or persons. If this firm temporarily relaxes the terms of the agreement the firm may at any time decide to enforce the terms strictly again. The firm may charge interest (in accordance with the Consumer Credit Act, 1995 Section 112) on the 1st month following the expiry date, on the balance outstanding, at a rate not exceeding the rate specified in the agreement. If two or more persons are named as the consumer the liability of each shall be joint and several. This means that each person is fully and individually responsible for all the duties set out in the agreement. Beacause the consumer is obliged to tell the firm if he/she changes address, all notices and statements delivered or sent to the address stated on the agreement or the present/last known address shall be deemed validly given is so sent by prepaid closed mail to have been received by the consumer within 48 hours after posting. Appendix AB Everyday Finance Limited (the 'firm') is licensed only to collect repayments on outstanding moneylending agreements advanced by Citifinancial Europe Plc up to and including November The firm is prohaibited from advancing new moneylending loans during the period 17 April 2008 up to and including 16 April Customers who pay by Bank Giro, Direct Debit, Postal Order, Cheque or Money Order shall be sent statements of their accounts showing their repayment records and outstanding balances in accordance with the Sixth Schedule of the Consumer Credit Act Where customers pay weekly the statements will be sent on a monthly basis. Where payments are monthly the statements will be sent quarterly. The written consent of the consumer is required if the firm visits or telephones a member of the consumer's family or employer (unless the family member or employer is party to the agreement). 1. The consumer will repay the loan in full together with interest by monthly repayments as shown on the loan agreements. 2. Payment shall be made at the address of the firm as stated on the loan agreement or to such other address as the firm shall notify to the consumer. 3. Any payment made by the consumer shall be appropriated firstly to the discharge of any collection charge as per section 102 of the Consumer Credit Act, 1995 including legal, court and tracing fees, secondly to interest and thirdly to capital. 4.. Repayments due on a non-banking day will be payable on the following banking day. A banking day is a day on which banks are open for business in Dublin. 5.. The consumer shall pay to the firm interest on the balance of the loan from time to time outstanding at the interest rate specifed on the loan agreement. Such interest will be calculated on a day to day basis from the due date basis until all sums payable under the agreement, have been paid in full and will be debited to the consumer's account monthly in arrears. 6. Subject to the provisions of section 54 of the Consumer Credit Act 1995, the total amount outstanding under the agreement will become payable in accordance with any notice served by the firm to the firm to the consumer in the event that: a. The consumer fails to make a monthly repayment in full on its due date (whether previously demanded or not); b. The consumer has given false information to the firm. c. Any other breach by the consumer of any of the terms and conditions of the agreement or the granting of the loan occurs. d. Death or contractual incapity of the consumer then subect to and in accordance with the provisions of the Consumer Credit Act 1995, the firm may terminate the loan and call in the loan together with interest. 7. Any notice or demand required or permitted to be given to the consumer under the agreement shall be deemed to have been validly given if served on him/her personally or delivered or sent by post at the address of the consumer stated on the agreement or his/her current or last known adress. Where it is posted, such notice will be deemed to have been received 48 hours after posting. 8. The consumer consents irrevocably to any future transfer howsoever arising of the loan, the agreement and any and all security held therefore, whether as part of a loan transfer and securitisation scheme or other similar schemes. 9. The consumer authorises the firm to register information about the consumer with any licensed credit reference agency. Information thus registered is used only to help make credit decisions or for fraud prevention or tracting debtorrs. 10. The consumer authorises the firm to disclose details of the agreement to any credit reference agency and to any person for the purpose of the firm's business. 11. No forebearance, relaxation or indulgence, which the firm may from time to time or at any time extend to the consumer, shall prejudice or act as a waiver of the firm's strict rights under the agreement. 12. Where the context requires, words importing (I) the singular shall include the plural and vice versa and (ii) the masculine, feminine or neutral gender shall include the other genders 13. Subject to the provisions of sections 52 and 53 of the Consumer Credit Act 1995, the consumer may discharge the loan at any time by paying the balance of the loan and interest outstanding at the date of repayment together with a further sum equal to the amount of interest which would have been charged up to the date of settlement after the date of payments if the agreement had continued without variation and if all repayments due after the date of repayment had been made on the due dates, less a rebate calculation in accordance with provisions contained in secitons 52 and 53 of the Consumer Credit Act The agreement is governed by the laws of Ireland. All disputes and matters arising out of the inerpretation and operation of the agreement or in connection with the credit will be construed and adjudicated upon in the courts of Ireland. 15. Where two or more persons are named as the consumer on the agreement, each of those persons shall be jointly and severally liable for the performance of the obligations of the consumer set out in the agreement and the expression "consumer" shall be construed accordingly. Appendix AC From 14 May 2008 up to and including 13 May 2009 Freemans Home Shopping Ltd t/a Freemans and Freemans Mail Order ('the firm') is licensed to engage in the business of moneylending. Moneylending agreements are to be subject to a maximum APR of 32.9% for a maximum term of 24 months, where collection charge is nil. The firm must advise consumers that they are entitled to a cooling-off period. Consumers who pay by bank giro, direct debit, postal order, cheque or money order shall be sent statements of their accounts showing repayment ecords and outstanding balances in accordance with the Sixth Schedule of the Consumer Credit Act, The firm will not increase the consumer s credit limit, unless the consumer requests the firm to do so, and the firm agrees. The amount of credit available to the consumer may be advised on statements or other communications received by the consumer. The firm will normally send the consumer a monthly statement showing the transactions on his/her account since the previous statement. If there have been no transactions the consumer may not receive a statement. The firm will accept, in full satisfaction of all sums due, payment of the total cash price by the date on the consumer s first statement. The consumer s first statement will be sent at least 31 days after dispatch of the first goods, which the consumer has ordered. The consumer has a further 14 days from the date of this statement in which to clear his/her balance in full. If the consumer pays using this option he/she will not be charged any interest (APR 0%). The Statement will show what has been sent to the consumer, what he/she has paid, the outstanding balance still to be paid and the minimum payment required. The minimum payment is 1/24 of the outstanding balance plus interest subject to a 8 minimum. The consumer is free to pay off the balance more quickly if he/she wishes. The firm charges the interest at an annualised percentage rate (APR) of 32.9% (variable) on the basis set out in the agreement. Since the rate of interest the firm provides is variable, the firm may at its discretion vary the rate of interest from time to time and the firm will notify the consumer of any changes. In calculating the APR no account has been taken of any change in the rate of interest. Provided the firm has received payment of the entire balance by the date shown on the statement balance each month, no interest will be applied. Handling and delivery charges are subject to interest, unless cleared in full each month. However, under no circumstances shall the firm charge or be entitled to charge the consumer for any costs, charges or expenses incidental to or relating to the granting of the loan. No other charges are incurred into the total charge for credit. An interest charge of 2.4c in the euro ( ) [32.9% APR] will be charged each month based on the brought forward balance from the pervious month. Missing payments could have severe consequences and make obtaining credit more difficult. Any purchases the consumer makes will be subject to a compulsory charge for postage and packaging. All charges shall be added to your outstanding balance. However, under no circumstances shall the firm charge or be entitled to charge the consumer for any costs, charges or expenses incidental to or relating to the granting of the loan. It is possible that additional taxes or costs may arise which are not imposed or paid by the firm. The Consumer Credit Act, 1995 (as amended) (the Act ) lays down certain requirements for the consumer s protection, which must be complied with when the agreement is made. If they are not, the firm cannot enforce the agreement without getting a court order. The Act also gives the consumer a number of rights. Under the Act and in conjunction with the European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004 and 2005 the consumer has the right to cancel the agreement within 14 days of: 1. the day when the consumer enters the agreement with the firm; or 2. the day on which the firm acknowledged by receipt of the consumer s order for the supply of the service and the consumer was able to access the acknowledgment, whichever is later. If the agreement is cancelled, the consumer will be repaid any money already paid to the firm as soon as possible. Please note that the consumer will be obliged to return any property, which he/she has acquired under the agreement. The consumer may exercise this right by ing the firm through its website with the subject line CANCELLATION or by writing to the firm at PO Box , Dublin 2. If the consumer does not exercise this right within the period stated above the agreement will be binding on him/her. The consumer can settle the agreement at any time by giving notice in writing and paying off the amount he/she owes under the agreement. All the firm s credit accounts are only available to persons aged 18 years or over, and are resident in the ROI. Credit is subject to availability and status. The firm may change the term of the agreement. The firm will tell the consumer about any changes that it may make, for example, it may make changes to the applicable rate of interest. However an event of default by the consumer shall not cause or permit the firm to increase the charge for credit which it charges the consumer.

20 The firm will tell the consumer about such changes by either notifying them on, or with, any invoice, statement, catalogue or any other separate written notice. Changes will take effect 7 days after the firm tells the consumer about them, or upon expiry of such longer notice period as required by law. Should the consumer fail to make repayments or pay less than the minimum amount due by the specified dates, the firm reserves the right to treat this failure as a material breach of the consumer s obligations to the firm, in which case the firm may ask for immediate repayment of the consumer s entire outstanding balance in accordance with the Act. In the event that the firm permits the consumer an extension of time in which to make repayments or does not enforce one of its rights on any particular occasion, this will not affect the firm s rights generally under the agreements and the law (including the Act). The firm may transfer to any other party any or all of its rights and duties under the agreement at any time (including, without limitation, its duty to provide credit to the consumer). The consumer s rights under the agreement and his/her legal rights (including those under the Act) will not be affected. If any provisions of this agreement are found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The policy pages in the firm s catalogues contain specific terms and conditions relating to (i) the goods or services which the consumer has purchased; (ii) the general operation of the consumer s account (iii) the processing of the consumer s personal data by the firm. The consumer should read these pages. Appendix AD From 28 May 2008 up to and including 27 May 2009 Colm Keegan t/a Greenfields Financial Services ('the firm') is licensed to engage in the business of moneylending. Moneylending agreements are to be subject to a maximum APR of % for a maximum term of 26 weeks, where collection charge is nil. Collecting payment is forbidden: between 9 in the evening on any weekday and 10 in the morning on the following day without the consent of the consumer; and at any time on a Sunday or public holiday. Where the consumer gave written consent the moneylender may collect between 8 and 10 in the morning on any weekday. The firm must advise consumers that they are entitled to a cooling-off period. The Consumer must tell the firm within 10 days if he/she changes his/her address. The Consumer agrees to pay the moneylender the instalments set out in his/her agreement, The Consumer agrees to make available on request the repayment book to enable the firm to complete it, inspect it, or remove it for audit. The Consumer declares: that he/she has received a true copy of the agreement; that the credit advanced is for his/her own personal use only; that the information given on the form is true and correct; that he/she has read and agrees to be bound by the terms of the agreement; that he/she has received a repayment book. The consumer is obliged to tell the firm if he/she changes address and all notices and statements delivered or sent to the consumer's address as stated in the agreement or to the consumer's present or last known address shall be deemed validly given. The firm may end the agreement or demand immediate payment of all monies owing under the agreement if: any information the consumer gives is found to be incorrect; and/or the consumer fails to keep any part of the agreement; and/or the consumer becomes bankrupt or commits an acts of bankruptcy. The firm may be required to give the consumer notices before it takes any of the following steps: if the firm temporarily relaxes the terms of the agreement and starts to enforce them strictly again at any time; if the firm assigns the agreement in writing to another person or persons; or if the firm makes an investigation or enquiry about the consumer that the firm may wish to make and may reveal such details of the agreement as are necessary for that purpose. Appendix AE From 16 June 2008 up to and including 15 June 2009 John O'Reilly t/a STL Financial Services ('the firm') is licensed to engage in the business of moneylending Moneylending agreements are to be subject to a maximum APR of 143.8% for a maximum term of 26 weeks, where collection charge is 5 cent in the euro. Collecting payment is forbidden: between 9 in the evening on any weekday and 10 in the morning on the following day without the consent of the consumer; and at any time on a Sunday or public holiday. Where the consumer gave written consent the moneylender may collect between 8 and 10 in the morning on any weekday. The firm must advise consumers that they are entitled to a cooling-off period. The Consumer must tell the firm within 10 days if he/she changes his/her address (even if temporarily). The Consumer must tell the firm within 10 days if he/she changes his/her name. The Consumer must present his/her payment card when making a repayment. The Consumer agrees to pay the moneylender the instalments set out in his/her agreement, The Consumer agrees to pay the firm's expenses and legal costs for dishonoured cheques (a cheque which "bounces") or finding out if the consumer has changed address without telling the firm. The Consumer agrees to make available on request the repayment book (property of the company) to enable the firm to complete it, inspect it, or remove it for audit (a receipt will be given). The consumer acknowledges; -that he/she has received a true copy of the agreement -that the credit advanced is for his/her own personal use only; The firm may, if the consumer has signed separately giving the firm permission to do so visit or telephone: the consumer between 8am and 10am at work or the consumer's family, if the consumer requests, is difficult to contact or a family member answers the door/telephone when the firm calls; or the consumer's employer, if the consumer does not respond to attempts to contact him/her. The firm may assign the agreement in writing to another person or persons, may if they temporarily relax the terms of the agreement at any time decide to enforce the terms again, may charge interest (in accordance with the provisions of the Consumer Credit Act, 1995 (as amended) including the requirements of Section 112) on the 1st Month following the expiry date on the balance outstanding at a rate not exceeding that the rate specified in the agreement. Generally