In addition to being a Credit Access Business (CAB), Happy Loans, LLC DBA Happy Cash, is a credit services organization (CSO). As a CSO, Happy Cash is registered and bonded with the
Texas Secretary of State under Chapter 393 of the Texas Finance Code. Credit service organizations are not lenders and do not make loans. A CSO helps consumers obtain loans from a
separate company (“Lender”), and issues a guaranty to Lender on the consumer’s behalf to back up the consumer’s promise to pay the loan. The Lender is not affiliated with the CSO. For
more information on our fee schedule and the terms of representative loans we help consumers obtain, please see the Pre-Loan Disclosures.
This CSO Credit Services Disclosure forms part of the Consumer Disclosures for CAB Credit Services and is being provided to you before you enter into any credit services transaction or
loan or pay any fee or other consideration. If you and we enter into a transaction, the Consumer Disclosures for CAB Credit Services, including this CSO Credit Services Disclosure,
will be incorporated by reference as part of your Credit Services Agreement.
Surety Bond Information: Happy Cash has filed a $10,000 surety bond with the Texas Secretary of State under Chapter 393 of the Texas Finance Code for each store location. The surety
bond is in favor of any person damaged by CSO’s violation of Chapter 393 and in favor of the State of Texas for the benefit of such damaged person.
A person making a claim against the surety bond for a violation of Chapter 393 may file suit against the surety identified below, the CSO that violated Chapter 393, or both. The surety
is liable only for actual damages, reasonable attorney’s fees and court costs awarded under Section 393.503(a) of the Texas Finance Code. The aggregate liability of the surety for a
credit services organization’s violations of Chapter 393 may not exceed the amount of the surety bond. Surety bond company and address: United States Fire Insurance Company, 305
Madison Avenue, Morristown, NJ 07962.