MTE

November 28, 2008

Better Business Bureau Serving Eastern Oklahoma
Attn: xxxxxxxxx
1722 S. Carson Ave. Suite 3200
Tulsa, OK 74119

RE: xxxxxxxx
Case #: xxxxxxx

Mr. xxxxxxx,

We have reviewed the account belonging to xxxxxxxxx. In her complaint, she is referencing her delinquent loan with us and a loan with a different processing center, Paycheck Today. We cannot respond on behalf of that processing center.

Concerning the delinquent loan that xxxxxxxxx obtained from our processing center, a response was sent to her the day that she submitted a complaint directly to our office. In the response, we made a fair settlement offer to her, discounting the amount actually owed, but she has not responded to our offer. She has confirmed in her complaint to you that she received our response. It is unclear at this point why she has not responded to our offer, or why she submitted a complaint to you when we have been willing to settle the account to her satisfaction and there has not been any problem reaching a resolution to the complaint with our company directly.

We believe all the terms and conditions of this loan have been met on our end. We have closed this customer's account to future loans, as she is clearly not in agreement with the terms of the loans that we offer (although she has returned to us on many occasions for additional lending without argument or coercion). Due to the fact that xxxxxxxxx delinquent balance with our processing center far exceeds the amount loaned to her most recently, we will have no other choice but to refer the account to an outside collection agency for recovery of the delinquent balance should an agreement not be reached. We will consider this matter closed unless we hear from you.

Thank you for your time and consideration in this matter.

Respectfully,

Compliance Department
CC/file