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["2015 Regulated Lender Reporting Document (Excel workbook)"]
["The annual report is to be completed using the provided Excel workbook, which will allow for more efficient data recording and compilation by the agency. The workbook provides working documents for:"]
["\u009f  Annual Report Cover Page"]
["\u009f  Schedules A – I and Supplemental Annual Report Information"]
["\u009f  Forms (worksheets) for any needed supplemental documentation or explanations.    "]
[" "]
["The working forms are provided in an Excel-based workbook.  The workbook is comprised of several worksheets (tabbed pages) that contain worksheets on which to report annual data, figures, and supplemental material.  Specific guidelines for each worksheet are presented in the following paragraphs and illustrations."]
["Once the document has been completed, you may submit the document according to the submission guidelines provided above. "]
[]
["Click on the “Cover Page” tab to respond to general questions regarding business operations.  "]
["The Cover Page is a 2-page document. Scroll down on the screen to view the second page.\n"]
["If you need to submit supporting explanations (e.g. for question 3), you may include supporting explanations or lists in the tabs provided.\n"]
[]
["Essential Guidelines for Reporting"]
[]
["Ø  Failure to include your Master File Number and requested license number (see Cover Page) will result in your submission not being accepted nor recorded as received by the agency."]
["Ø  Read all instructions before completing and submitting the annual report."]
["Ø  All report data must comply with generally accepted accounting principles (GAAP) and be submitted using OCCC-provided forms. A financial statement will not serve as a valid substitute."]
["Ø  Complete all schedules ensuring all figures and comments are legible. If a specific schedule is not applicable to your report, indicate “Not Applicable” or “N/A” on that specific schedule."]
["Ø  All report data must reflect “net” figures. Do not report gross figures."]
["Ø  Report all figures and monetary amounts as whole dollars. Check final figures and calculations for possible rounding errors and accuracy of totals."]
["Ø  Express all figures as full amounts. Do not report data in terms of hundreds, thousands or similar presentation."]
["Ø  Report all assets, liabilities, realized and accrued income, and expenses as they appear in your accounting records. If your items are recorded in the annual report differently than as they appear in your accounting records, you must include a statement explaining the discrepancy."]
["Ø  No fees are due with the annual report filing."]
["Special Situations & Considerations"]
[]
["Ø  Companies or Individuals Holding Multiple Licenses "]
["\u009f  Each company or individual holding more than one license should file one consolidated report for all licenses under each company and master file license number. "]
["\u009f  Different entity types cannot be combined within a consolidated report (i.e., partnerships and corporations should not be combined in a consolidated report even if one person controls both entities) "]
["\u009f  Each different legal entity is required to file a separate report."]
["Ø  Licensees that had no reportable business during the report year must complete the cover page, and"]
["\u009f  Any applicable parts of Schedule A, to demonstrate net asset requirements have been maintained, and"]
["\u009f  Schedule B, if the licensee had other income and expenses."]
["\u009f  All other schedules should be marked “Not Applicable.” "]
["Ø  Licensees Doing Business Outside the State of Texas "]
["\u009f  Schedules A and B should reflect all of the licensee’s financial activities at the national level."]
["\u009f  Schedules C through I should reflect only business activity within the state of Texas. "]
["Ø  Publicly-Held Licensees"]
["\u009f  Submit a copy of the Annual Report and any Form 10-K filing for the report year. "]
["\u009f  If the licensee does not prepare the reports, provide the parent company’s annual report or 10-K form."]
["Ø  Mortgage Brokers"]
["\u009f  Complete only the cover page and Schedules A, B, and E, if the broker:"]
["1)      arranges, transacts[1], or negotiates[2] mortgage loans, AND "]
["2)      does not hold, service, or collect any mortgage loans "]
["\u009f  Complete all schedules if the broker does not meet the conditions above. "]
[]
["Instructions for Individual Schedules and Forms"]
[]
["Use these instructions, as needed, to find answers to your questions and help you to complete the annual report forms correctly. "]
[]
["Instructions for Cover Page and Licensee’s Verification"]
["Complete both pages in their entirety.  Incomplete or incorrect reports will be returned for correction."]
["·         Header: Record the master file number, company name, and home office address information related to this annual report filing."]
["·         Line 1:  Indicate whether the report represents a filing for a single regulated lender license, or whether the report represents a consolidated report for multiple regulated lender licenses held under a common master file number. Attach supplementary documents as indicated and appropriate."]
["·         Line 2: Indicate whether the licensee(s) writes or procures insurance products associated with regulated loans. Submit supplementary documents as indicated and appropriate."]
["·         Line 3: Indicate whether a significant change in ownership, management, or organization has occurred during the report year.  Submit supplementary documents as indicated and appropriate."]
["·         Line 4:  Indicate which types of business the licensee(s) was engaged in during the report year."]
["·         Line 5:  Indicate whether any business is conducted at the licensed location by someone other than the licensee(s). Submit supplementary documents as indicated and appropriate."]
["·         Line 6:  Indicate whether the licensee(s) or any affiliate has had a license denied, suspended or revoked during the report year. An “affiliate” is a person or business entity who controls, is controlled by, or is under common control with the licensee. All licenses that may be issued by a state or federal regulatory agency are to be considered when answering this question (e.g. state driver’s licenses, professional licenses, etc.). Submit supplementary documents as indicated and appropriate."]
["·         Line 7:  Report whether the licensee(s), or any affiliate or agent, has entered into a financial settlement as the result of claims relating to extensions of credit or collection activity. An “affiliate” is a person or business entity who controls, is controlled by, or is under common control with the licensee. An “agent” is a person or business entity authorized to act on behalf of the licensee. Submit supplementary documents as indicated and appropriate."]
["·         Line 8: Report whether the licensee(s), or any affiliate or agent, has been subject to binding arbitration or civil litigation during the report year. An “affiliate” is a person or business entity who controls, is controlled by, or is under common control with the licensee. An “agent” is a person or business entity authorized to act on behalf of the licensee. Submit supplementary documents as indicated and appropriate. Report whether the licensee(s) has been subject to binding arbitration or civil litigation during the report year. Submit supplementary documents as indicated and appropriate."]
[]
["Instructions for Schedule A: Balance Sheet"]
["ü  Report all figures as net, not gross. "]
["ü  Pre-computed loans: Use the figures that are net of unearned interest and charges. "]
["ü  Lines 9 (Total Assets) and 16 (Total Liabilities and Owner’s Equity) should be equal to each other. "]
["Assets"]
["\u009f  Line 1: Enter the total on hand and in bank(s) as of December 31st of the report year. "]
["\u009f  Line 2: Enter the total loans and retail accounts receivable as of December 31st made under Texas Law."]
["\u009f  Line 3: Enter the total of all Non-Texas loans and retail accounts receivable as of December 31st."]
["\u009f  Line 4: Enter the estimated losses on loans due to defaults and nonpayment."]
["\u009f  Line 5: This amount should be the sum of lines 2, 3, &  4"]
["\u009f  Line 6: Enter the value of all other assets that can reasonably expected to be converted into cash within one year. Current assets include cash and cash equivalents, accounts receivable, inventory, marketable securities, prepaid expenses and other liquid assets that can be readily converted to cash.\n"]
["\u009f  Line 7: This amount should be the sum of 1, 5, & 6"]
["\u009f  Line 8: Report the total of all other assets devoted to the business. Report depreciable assets net of depreciation."]
["\u009f  Line 9: Total Lines 7-8."]
["Liabilities and Owner’s Equity "]
["\u009f  Line 10: Record borrowed funds for lending as of December 31 (Any amounts reported must also be reported in either Line 11 or Line 12)"]
["\u009f  Line 11: Enter the total company debts or obligations that are due within one year. Current liabilities include short term debt, accounts payable, accrued liabilities and other debts."]
["\u009f  Line 12: Enter the total company debt or obligations that are due in longer than one year."]
["\u009f  Line 13: This amount should be the sum of lines 11 and 12"]
["\u009f  Line 14: Record Owner's Equity.  This figure should be the difference of Line 9 (Total Assets) and Line 13 (Total Liabilities). "]
["\u009f  Line 15: The amount on this line should equal Line 9 (Total Assets). If owner’s equity does not equal or exceed the net assets requirement, submit additional documentation as appropriate and indicated within Schedule A."]
[]
["Instructions for Schedule B: Statement of Income and Expenses"]
["ü  Report all figures as net, not gross. "]
["ü  Note that interest income is requested by loan type."]
["Income"]
["\u009f  Line 1: Report the interest income earned from loans regulated according to Chapter 342, Subchapter E (Texas-only transactions). See Schedule A instructions for loan descriptions."]
["\u009f  Line 2: Report the administrative fee income earned from loans regulated according to Chapter 342, Subchapter E (Texas-only transactions). "]
["\u009f  Line 3: Report the acquisition fee income earned from loans regulated according to Chapter 342, Subchapter F (Texas-only transactions)."]
["\u009f  Line 4: Report installment account handling charges earned on Chapter 342, Subchapter F loans (Texas-only transactions)."]
["\u009f  Line 5: Report the interest income earned from loans regulated according to Chapter 342, Subchapter G and home equity loans (Texas-only transactions). Include interest, default charges, deferment charges, insurance income, interest paid on deposits, bad debt recoveries, etc.  See Schedule A instructions for loan descriptions."]
["\u009f  Line 6: Report the income earned in the form of motor vehicle time price differential charges (Texas-only transactions). Time price differential is defined as an amount, however denominated or expressed, that the seller adds to the cash sale price for services or property payable at the time of sale; the purchaser pays this amount to the seller for the privilege of paying the offered sales price after the time of sale (through financing). See Schedule A instructions for loans descriptions."]
["\u009f  Line 7: Include here other types of income not reported on Lines 1-6 and earned company-wide."]
["\u009f  Line 8: Total Lines 1-7."]
["Expenses"]
["\u009f  Lines 9-12: Report the expenses specific to your Texas regulated loan operations, and within the categories provided (bad debts, salaries, interest incurred, and other expenses)."]
["\u009f  Line 13: Provide a company-wide total for expenses related to all business activities other than regulated loans in Texas (including bad debts, salaries, interest incurred, and other expenses)."]
["\u009f  Line 14: Total Lines 9-13."]
["\u009f  Line 15: Line 8 minus Line 14\n\u009f\u009f Line 16: Report company-wide federal income tax figures for the report year."]
["\u009f  Line 17: Report the Net Income (Loss). This figure should be difference of Line 15 (Net Income before taxes) and Line 16 (Federal income taxes).  "]
[]
["Note:  Schedules C through Schedule I reflect data relative to"]
["business activities conducted within the State of Texas"]
["Schedule C: Loans Receivable Balances"]
["Only Report Active Loans under this section. Charged-off loans or debt purchased after charge-off are reported on schedule C-3"]
["ü  Report dollar figures as net amounts, excluding unearned charges and unearned interest and charges on pre-computed loans. "]
["ü  Dollar value totals for multiple loan products authorized by a single subchapter should match the totals you provided on Schedule A for each subchapter."]
[]
["\u009f  Line 1: Record all consumer installment loans receivables that are regulated by Chapter 342.E of the Texas Finance Code. These are consumer installment loans with typical rates of 18% - 35% "]
["\u009f  Line 2: Record all consumer installment loans receivables that are regulated by Chapter 342.F of the Texas Finance Code. These are small consumer installment loans with typical rates of 80% - 90% "]
["\u009f  Line 3: Record all consumer installment loans receivables that are regulated by Chapter 342.F  of the Texas Finance Code made under Subchapter M. These are one month, one payment loans where a deposit check was taken as security. "]
["\u009f  Lines 4-5: Record the receivables for home equity loans in the 2nd or 1st lien position. Home Equity loans must be made on the borrower's homestead and subject to section 50(a)(6) of the Texas Constitution."]
["\u009f  Lines 6:  Record all mortgage receivables subject to Chapter 342.G of the Texas Finance Code, including home improvement and purchase money loans that hold second-lien positions. 342-G loans must be made at rates greater than 10%"]
["\u009f  Line 7:  Record any mortgage receivables (including first-lien purchase money or rate and term refinances, other than the mortgage amounts listed in Lines 4-6."]
["\u009f  Line 8:  Record the dollar value of revolving credit accounts (generally offered by retailers) and that are subject to Chapter 346 of the Texas Finance Code. "]
["\u009f  Line 9: Record the receivables amounts for motor vehicle retail installment accounts subject to Chapter 348 of the Texas Finance Code."]
["\u009f  Line 10:  Record the dollar value of consumer goods and services retail installment transaction receivables subject to Chapter 345 of the Texas Finance Code."]
["\u009f  Line 11: Record the dollar value of manufactured housing receivables subject to Chapter 347 of the Texas Finance Code."]
["\u009f  Line 12:  Total Lines 1 – 11."]
[]
["Schedule C-2: Loans Serviced"]
["Wholly owned loans serviced"]
["\u009f  Line 1-3: Record the number and amount of accounts owned and serviced by your company on December 31. If your company owns and services more than one type of transaction then group the transactions in the appropriate line. These amounts may be the same as Schedule C Loans Receivable."]
["Sub-servicing for others"]
["\u009f  Line 1-3: Record the number and amount of accounts serviced by your company on December 31 that were not owned by your company. If your company services more than one type of transaction then group the transactions in the appropriate line. These amounts are not the same as Schedule C Loans Receivable."]
["Sub-servicing by others"]
["\u009f  Line 1-3: Record the number and amount of accounts owned by your company on December 31 that were not serviced by your company. If your company owns more than one type of transaction then group the transactions in the appropriate line. These amounts may be the same as Schedule C Loans Receivable."]
[]
["Schedule C-3:  Charged Off Loans Servicing"]
["\u009f  Line 1-3: Record the number and amount of charged-off accounts serviced by your company on December 31. If your company services more than one type of charged-off transaction then group the transactions in the appropriate line. These amounts are not reported on Schedule C Loans Receivable."]
[]
[]
["Schedule D: Loans Made"]
["ü  Record the total number of loans made or renewed during the report year, as well as the net amounts of principal loaned. "]
["ü  For the purposes of this schedule, principal is considered to be the amount on which interest or other finance charges is computed."]
[]
["\u009f  Lines 1 -9:  Refer to Schedule C for instructions on loan amounts to be reported."]
["\u009f  Line 10:  Report the amount of Consumer goods and services accounts subject to Chapter 345 of the Texas Finance Code."]
["\u009f  Line 11:  Report the amount of manufactured housing loans and subject to Chapter 347 of the Texas Finance Code."]
["\u009f  Line 12:  Total lines 1 – 11."]
["\u009f  Line 13:  Record the percentage of loans that were retained by the company rather than being sold to another company for collection activity. If you retained and collected all loans, the correct percentage should be 100%."]
[]
["Schedule E: Brokered Loans (do not report loans your company arranged through lead generation activities only)"]
["ü  Record the total number of loans transacted, arranged, or negotiated during the report year, as well as the net amounts of principal loaned. "]
["ü  For the purposes of this schedule, principal is considered to be the amount on which interest or other finance charges is computed. "]
["ü  If you brokered loans, you must attach a list of companies under whose names the loans were closed."]
["\u009f  Lines 1-6: Report the number of loans made or renewed during the report year as well as the net amounts of principal loans.[8]  S See Schedule C instructions for loan descriptions."]
["\u009f  Line 7: Total Lines 1-6."]
[]
["Schedule E-2:  Arranging Through Lead Generation"]
["\u009f  Lines 1 -2:  Report the number of loans and amount (if known) arranged through your company through lead generation. "]
[]
["Schedule F: Delinquency and Collections"]
["ü  This schedule requests three types of information related to collection activities. "]
["\u009f  Lines 1-2: Report the number of loans and total loan balances for accounts contractually delinquent by more than 60 and 90 days, respectively. Use figures from after year-end charge-off."]
["\u009f  Lines 3: Regarding repossessions, report the number of loans and total loan balances due at the time of motor vehicle repossession."]
["\u009f  Lines 4: Real Property Foreclosures should show the number of loans where a foreclosure sale took place and total loan balance at the time of foreclosure sale. "]
["\u009f  Line 5: Report the total number of suits filed and the balanced due on the loans at the time the suits were filed. If two or more suits are filed on one account, each suit is to be reported. Provide account balances rather than the amount sued for."]
[]
["Schedule G: Credit Insurance Sales"]
["ü  Information on credit life data should combine single and joint life policies "]
["\u009f  Line 1: Record the number of policies sold in conjunction with regulated loans."]
["\u009f  Line 2: Record the percentage of eligible loans covered.  "]
[]
["Calculation:  "]
["                                                                                                                x   100"]
[]
["\u009f  Line 3:  Record the amount of net premiums for insurance sales."]
["\u009f  Lines 4-5: Record the number of paid claims and the dollar value of claims paid."]
["\u009f  Line 6: Record the Net Insurance Income/Retained Premium, which is the amount of income you derived from the sale of credit insurance. "]
[]
["Schedule H: Ancillary Products"]
["ü  This schedule requests data related to other products that some licensees sell as part of their regulated loan or mortgage business. "]
["\u009f  Line 1: Record the number of products sold."]
["\u009f  Line 2:  Record the amount of net premiums for products sold."]
["\u009f  Lines 3-4: Record the number of paid claims and the dollar value of claims paid."]
[]
["Schedule I: Escheat Account"]
["\u009f  Line 1: Report the total amount of any refunds sent to the Texas Comptroller’s Unclaimed Property Division[9] "]
["\u009f  Line 2: Record the ending balance of your escheat suspense account. "]
[]
["Supplemental Annual Report Information"]
["ü  Report on transactions occurring during the calendar year. This is only for Texas loans regulated by Chapter 342 Subchapter F."]
["\u009f  Line 1: Number of customers. Use the total number of unique customers originating new loans or refinances. Do not count an individual more than once."]
["\u009f  Line 2: Report the number of new loans originated during the time period. This should not include any renewed/refinanced loans."]
["\u009f  Line 3: Report the number of refinances during the time period. Count each time a loan is refinanced. If a loan is refinanced twice within the period count it as 2."]
["\u009f  Line 4: Report the total dollar amount of all loans and refinances. This should only include the principal amount of the loan."]
["\u009f  Line 5: Report the total dollar amount of acquisition charges assessed on new loans during the time period."]
["\u009f  Line 6: Report the total dollar amount of acquisition charges assessed on refinanced loans during the time period."]
["\u009f  Line 7: Report the number of customers with more than 4 refinances during the time period."]
[]
[]
[]
["[1]Transacting a Loan: Any of the significant events associated with the lending process through funding, including the preparation, negotiation and execution of loan documents, and an advancement of money on behalf of a borrower by the lender to a third party. This also includes the act of arranging a loan. (§89.102(8), Texas Administrative Code)."]
["[2]Negotiating a Loan: The process of submitting and considering offers between a borrower and a lender with the objective of reaching agreement on the terms of a loan. The act of passing information between the parties can, by itself, be considered \"negotiation\" if it was part of the process of reaching agreement on the terms of a loan. \"Negotiation\" involves acts which take place before an agreement to lend or funding of a loan actually occurs. (§89.102(6), Texas Administrative Code)."]
["[3] These consumer installment loans are generally secured by personal property. They may be precomputed or interest-bearing."]
["[4] These short-term loans are generally unsecured, and include payday and small loans. "]
["[5] These long-term loans (secondary mortgages) are secured by real property and often take the form of home improvement loans in which loan principal are devoted to home repairs and renovations. Although first and second home equity loans are generally included in this category, for the purposes of this report you should report those items in Line 6 of this schedule."]
["[6] Home equity loans allow borrowers to use the market value of a home as collateral for a loan; the principal may generally be used for any purpose, including but not limited to debt consolidation and home improvement."]
["[7] Small loans are closed-end loans with multiple schedules payments and are generally unsecured. A payday loan (deferred presentment) is a term loan repayable in a single installment. Specifically a cash advance is made in exchange for the borrower’s personal check or authorization to debit the borrower’s account."]
["[8] Principal is considered the amount on which interest or other finance charges is computed."]

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[]
[]
[]
[]
["Master File Number:"]
["Company Name:"]
["Home Office Address:"]
[null,null,null,"(Street)",null,null," ","(City, State)","(Zip)"]
[]
["Who may we contact regarding this report?"]
[]
["Name",null,null,null,"Mailing Address"]
["Title"]
["Phone No."]
["Fax No.",null,null,null,"Email Address"]
[]
[]
[1,"This report is for:",null,null,null,"Single License",null,"Lic. #"]
[null,null,null,null,null,"Multiple Licenses",null,"# of Licenses"]
[null,null,null,null,"Attach a list of all licensees that have been consolidated within this report. Include the licensee name, address, contact name, and license number."]
[]
[2,"Does the licensee participate in any way in writing or procuring insurance in connection with regulated loans?"]
[]
[null,null,"No",null,null,"Yes    Complete Schedule G, Credit Insurance Sales"]
[]
[3,"Has there been any significant change (5% or more) in ownership, management, or form of organization during the report year?"]
[]
[null,null,"No",null,null,"Yes   "]
[null,null,null,null,null,"If not previously reported to the agency, attach an explanation.  You may use the worksheet entitled \"5%+ Change\" to record your explanation."]
[]
[]
[4,"Indicate all applicable types of business transacted, serviced, or brokered by licensee."]
[null,"Home Loans"]
[null,null,"Home Equity - first lien",null,null,"Home Improvement",null,"Purchase Money - secondary lien"]
[null,null,"Home Equity - second lien",null,null,"First Mortgage",null,"Refinance with no cash out"]
[]
[null,"Consumer Loans"]
[null,null,"Secured consumer installment loans under Chapter 342, Subchapter E"]
[null,null,"Small loans under Chapter 342, Subchapter F"]
[null,null,"Payday loans under Chapter 342, Subchapter F"]
[]
[]
[null,"Extensions of Credit"]
[null,null,"Retail Installment sales under Chapter 345",null,null,null," "," "]
[null,null,"Revolving accounts under Chapter 346"]
[null,null,"Motor vehicle retail installment contracts under Chapter  348"]
[null,null," "," ",null,null,null," "]
[]
[]
[]
[]
[]
[null,"Other"]
[null,null,"Pawn transactions under Chapter 371",null,null,null,null,"Other:"]
[null,null,"Insurance Sales (non-credit insurance)"]
[]
[5,"Is any business transacted by someone other than the licensee at the licensed location(s)?"]
[null,null,"No",null,null,"Yes   Indicate type of business: "]
[]
[]
[6,"During the report year, has the licensee or any affiliate had any type of license denied, suspended or revoked?  All licenses that may be issued by a state or federal agency are to be considered in this when answering this question (e.g. driver's license, professional license, etc.)"]
[]
[]
[null,null,"No",null,null,"Yes    Attach a complete explanation"]
[null,null,null,null,null,"You may use the worksheet entitled \"License\" to record your explanation."]
[]
[7,"During the report year, has the licensee or any affiliate, or any agent thereof made a financial settlement with any person as a result of any claim relating to any extension of credit or collection activity?"]
[]
[null,null,"No",null,null,"Yes    Attach a report to explain any settlement in excess of $5000"]
[null,null,null,null,null,"You may use the worksheet entitled \"Fin Settle\" to record your explanation."]
[]
[8,"During the report year, has the licensee, any affiliate, or any agent thereof been subject to binding arbitration or been the subject of civil litigation with relation to any loan, extension of credit, or collection activity?"]
[]
[null,null,"No",null,null,"Yes    Attach a report detailing any Texas-based settlement or claims paid"]
[null,null,null,null,null,"You may use the worksheet entitled \"Arb-Lit\" to record your explanation."]

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[]
[null,"Regulated Lender Verification Form"]
[]
[null,"Statement of Verification"]
[]
[null,"The undersigned officer or member swears that all statements made in this report or any attachments to this report are true, correct and complete. The undersigned officer or member acknowledges that submitting false, misleading, or incomplete answers in this report or any attachments to this report is grounds for license suspension or revocation."]
[]
[null,null,"  Checking this box serves as the electronic signature of the undersigned officer or member. \n            Note: Your annual report will not be considered complete if this box is not checked."]
[]
[]
[]
[null,"Name of Officer or Member"]
[]
[]
[null,"Title"]
[]
[]
[null,"Date  "]
[null,null,null,null,null,null,null,null," "]
[]
[null,"Master File Number"]
[]
[]
[null,"Company Name"]
[]
[]
[null,"Home Office Address    (Street, City, State, ZIP Code)"]
[]
[]
[null,"WARNING: Under Section 37.10 of the Texas Penal Code, knowingly making a false entry in this report is a third degree felony offense. Under Section 12.34 of the Texas Penal Code, a third degree felony offense is punishable by 2 to 10 years' imprisonment and up to a $10,000 fine."]
[]
[]
[]
[]
[null,"Master File #:",{"$f":"B20","v":0},null,null,null,"Company Name:",{"$f":"B23","v":0}]
[]
[null,"Schedule A:  Balance Sheet    (Figures are company-wide)"]
[null,"More Information"]
[null,null,"Assets"]
[null,1,"Cash (Company-Wide)"]
[null,2,"Texas accounts receivable"]
[null,3,"Other accounts receivable (company-wide)"]
[null,4,"Less reserve for loan losses (company-wide)"]
[null,null,null,"(or allowance for doubtful accounts)"]
[null,5,"Net accounts receivable (company-wide)",null,null,null,null,{"$f":"H41+H42-H43","v":0}]
[null,6,"Other current assets"]
[null,null,7,"Total current assets",null,null,null,{"$f":"H40+H45+H46","v":0}]
[null,8,"Other business assets (company-wide)"]
[null,null,9,"Total Assets",null,null,null,{"$f":"SUM(H47:H48)","v":0}]
[]
[null," ","Liabilities & Owner's Equity"]
[null,10,"Warehouse line of credit/borrowed funds for lending (company-wide)"]
[null,11,"Total current liabilities (company-wide)"]
[null,12,"Other liabilities (company-wide)"]
[null,null,13,"Total Liabilities",null,null,null,{"$f":"SUM(H53:H54)","v":0}]
[null,14,"Owner's equity (company-wide)",null,null,null,null,{"$f":"H49-H55","v":0}]
[null,null,15,"Total Liabilities & Owner's Equity",null,null,null,{"$f":"SUM(H55:H56)","v":0}]
[]
[null,"NET ASSETS REQUIREMENT: $25,000 PER LICENSE, whether active or inactive.\nIf the equity does not equal or exceed the net assets requirement and the business is a:\n\nProprietorship or General Partnership: attach owner's personal financial statement(s) to demonstrate adequate net assets.\n\nCorporation: if a more current financial statement shows adequate net assets, attach that report and explain any variances between that statement and Schedule A. "]
[]
[]
[]
[]
[]
[null,"Schedule B:  Statement of Income & Expenses    (Figures are company-wide)"]
[null,"More Information"]
[null,null,"Income"]
[null,1,"Interest earned on Ch 342.E loans in Texas"]
[null,2,"Administrative fees earned on Chapter 342 loans in Texas"]
[null,3,"Acquisition fees earned on Chapter 342.F loans in Texas"]
[null,4,"Installment account handling charges earned on Chapter 342.F loans in Texas"]
[null,5,"Regulated loan income from Chapter 342.G & home equity loans in Texas"]
[null,6,"Motor vehicle time price differential from Chapter 348 transactions in Texas"]
[null,7,"Other business income"]
[null,null,8,"Total Income",null,null,null,{"$f":"SUM(H68:H74)","v":0}]
[null," ","Expenses"]
[null,9,"Bad debts incurred in connection with Texas regulated loan activity"]
[null,10,"Salaries incurred in connection with Texas regulated loan activity"]
[null,11,"Interest incurred in connection with Texas regulated loan activity"]
[null,12,"Other expenses incurred in connection with Texas regulated loan activity"]
[null,13,"Other business expenses (company-wide)"]
[null,null,14,"Total Expenses",null,null,null,{"$f":"SUM(H77:H81)","v":0}]
[null,15,"Net income before taxes (company-wide)",null,null,null,null,{"$f":"H75-H82","v":0}]
[null,16,"Federal income taxes (company-wide)"]
[null,null,17,"Net Income (Loss)",null,null,null,{"$f":"H83-H84","v":0}]
[]
[]
[null,"Schedules C through I:  Report data relative to business activities conducted within the State of Texas only."]
[]
[null,"Schedule C:  Loans Receivable    (Net of Unearned Charges)"]
[null,"More Information"]
[null," ",null,null,null,null,null,"No. of Loans Receivable",null,"Amounts Receivable"]
[null,1,"Consumer installment loans (Ch 342.E)"]
[null,2,"Small Loans (Ch 342.F)"]
[null,3,"Payday Loans (Ch 342.F)"]
[null,4,"Home Equity Loans (secondary mortgage)"]
[null,5,"Home Equity Loans (first lien mortgage)"]
[null,6,"Home improvement or purchase money loans (secondary mortgage, Ch 342.G)"]
[null,7,"Other mortgage loans"]
[null,8,"Revolving credit, open end/triparty accounts (Ch 346)"]
[null,9,"Motor vehicle retail installment accounts (Ch 348)"]
[null,10,"Consumer goods & services retail installment accounts (Ch 345)"]
[null,11,"Manufactured housing (Ch 347)"]
[null,null,12,"Total",null,null,null,{"$f":"SUM(H93:H103)","v":0},null,{"$f":"SUM(J93:J103)","v":0}]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule C-2:  Loans Serviced"]
[null,"More Information"]
[null,null,null,null,null,null,null,"No. of Loans Serviced",null,"Amount Serviced"]
[null," ","Wholly owned loans serviced"]
[null,1,"Personal Installment Loans (Ch 342.E, Ch 342.F, Ch 346)"]
[null,2,"Real Estate Loans (Ch 342.G, H.E. 1st & 2nd)"]
[null,3,"Retail Installment Accounts (Ch 345, Ch 347, Ch 348)"]
[null,null,"Sub-servicing for others"]
[null,4,"Personal Installment Loans (Ch 342.E, Ch 342.F, Ch 346)"]
[null,5,"Real Estate Loans (Ch 342.G, H.E. 1st & 2nd)"]
[null,6,"Retail Installment Accounts (Ch 345, Ch 347, Ch 348)"]
[null,null,"Sub-servicing by others"]
[null,7,"Personal Installment Loans (Ch 342.E, Ch 342.F, Ch 346)"]
[null,8,"Real Estate Loans (Ch 342.G, H.E. 1st & 2nd)"]
[null,9,"Retail Installment Accounts (Ch 345, Ch 347, Ch 348)"]
[]
[null,null,10,"Total",null,null,null,{"$f":"SUM(H112:H123)","v":0},null,{"$f":"SUM(J112:J123)","v":0}]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule C-3:  Charged Off Loans Servicing"]
[null,"More Information"]
[null,null,null,null,null,null,null,"No. of Loans Serviced",null,"Amount Serviced"]
[null," ","Wholly owned loans serviced"]
[null,1,"Personal Installment Loans (Ch 342.E, Ch 342.F, Ch 346)"]
[null,2,"Real Estate Loans (Ch 342.G, H.E. 1st & 2nd)"]
[null,3,"Retail Installment Accounts (Ch 345, Ch 347, Ch 348)"]
[null,null,4,"Total",null,null,null,{"$f":"SUM(H132:H134)","v":0},null,{"$f":"SUM(J132:J134)","v":0}]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule D:  Loans Made    (Net of Interest or Other Finance Charges)"]
[null,"More Information"]
[null,null,null,null,null,null,null,"No. of Loans Made",null,"Amount Loaned"]
[null,1,"Consumer installment loans (Ch 342.E)"]
[null,2,"Small loans (Ch 342.F)"]
[null,3,"Payday Loans (Ch 342.F) {singe payment only}"]
[null,4,"Home equity loans (secondary mortgage)"]
[null,5,"Home equity loans (first lien mortgage)"]
[null,6,"Home improvement or purchase money loans (secondary mortgage, Ch 342.G)"]
[null,7,"Other mortgage loans"]
[null,8,"Revolving credit, open end/triparty accounts (Ch 346)"]
[null,9,"Motor vehicle retail installment accounts (Ch 348)"]
[null,10,"Consumer goods & services retail installment (Ch 345)"]
[null,11,"Manufactured housing (Ch 347)"]
[null,null,12,"Total",null,null,null,{"$f":"SUM(H142:H152)","v":0},null,{"$f":"SUM(J142:J152)","v":0}]
[null,13,"Percentage of loans retained",null,null,null,null,null,"%"]
[null," "," "]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule E:  Brokered Loans    (Net of Interest or Other Finance Charges)"]
[null,"More Information"]
[null,"Attach a list of companies per instruction pages"]
[null,null,null,null,null,null,null,"No. of Loans Brokered",null,"Amount Brokered"]
[null,null,"Mortgage Loans"]
[null,1,"Home Equity Loans (secondary mortgage)"]
[null,2,"Home Equity Loans (first lien mortgage)"]
[null,3,"Home improvement or purchase money loans (secondary mortgage, Ch 342.G)"]
[null,4,"Other Mortgage Loans"]
[null,null,"Consumer Loans"]
[null,5,"Payday loans (Ch 342.F)"]
[null,6,"Other Loans"]
[null,null,7,"Total",null,null,null,{"$f":"SUM(H163:H169)","v":0},null,{"$f":"SUM(J163:J169)","v":0}]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule E-2:  Arranging Through Lead Generation"]
[null,"More Information"]
[null,"Attach a list of companies on Schedule E Support worksheet"]
[null,null,null,null,null,null,null,"No. of Leads Generated",null,"Amount (if known)"]
[null,1,"Regulated Loans subject to Chapter 342"]
[null,2,"Home Equity Loans subject to 50 (a)(6)"]
[null,null,3,"Total",null,null,null,{"$f":"SUM(H178:H179)","v":0},null,{"$f":"SUM(J178:J179)","v":0}]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule F:  Delinquency and Collections"]
[null,"More Information"]
[null,null,null,null,null,"Regulated Loans"]
[null,null,null,null,null,"Number",null,"Amount"]
[null,1,"60 - 89-day accounts"]
[null,2,"90-day accounts"]
[null,3,"Repossession of motor vehicles"]
[null,4,"Real property foreclosures"]
[null,5,"Suits Filed"]
[null,null," "]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule G: Credit Insurance Sales"]
[null,"More Information"]
[null,null,null,null,null,"Non-Filing",null,"Involuntary Unemployment"]
[null,1,"Number of policies sold"]
[null,2,"Percentage of eligible loans covered",null,null,null,"%",null,"%"]
[null,3,"Net Premiums"]
[null,4,"Number of paid claims"]
[null,5,"Amount of claims Paid"]
[null,6,"Net Insurance income/retained premium"]
[]
[null,null,null,null,null,"Credit Life",null,"Credit A&H",null,"Property"]
[null,1,"Number of policies sold"]
[null,2,"Percentage of eligible loans covered",null,null,null,"%",null,"%",null,"%"]
[null,3,"Net Premiums"]
[null,4,"Number of paid claims"]
[null,5,"Amount of claims Paid"]
[null,6,"Net insurance income/retained premium"]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule H: Ancillary Products"]
[null,"More Information"]
[null," "," ",null,null,"Non-Credit Insurance*",null,"Motor Club Memberships"]
[null,1,"Number of policies sold"]
[null,2,"Net Premiums"]
[null,3,"Number of paid claims"]
[null,4,"Amount of claims Paid"]
[]
[null,null,null,null,null,"Thrift Club \nMembership",null,"Miscellaneous*"]
[null,1,"Number of policies sold"]
[null,2,"Net Premiums"]
[null,3,"Number of paid claims"]
[null,4,"Amount of claims Paid"]
[]
[null,"*Identify type non-credit insurance or other miscellaneous products sold. If there is more than one kind, please list and report separately."]
[]
[]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"Schedule I: Escheat Account"]
[null,"More Information"]
[null,1,"Funds remitted to State of Texas"]
[null,2,"Escheat account balance, end of year"]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]
[]
[null,"The Section only applies to lenders making loans Subject to Texas Finance Code 342 Subchapter F. These are small installment loans made for $1,340 or less.\n"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Special Annual Report Information for 342-F Loans"]
[null,"More Information"]
[null,1,"Number of Customers"]
[null,2,"Number of New Loans Originated"]
[null,3,"Number of Refinances"]
[null,4,"Total Dollar Amount of Loans"]
[null,5,"Dollar Amount of Acquisition Charge on New Loans"]
[null,6,"Dollar Amount of Acquisition Charges on Refinances"]
[null,7,"Number of Customers with More than four (4) Refinances"]
[]
[null,"Enter an \"X\" if you believe this schedule is not applicable (N/A) to this annual  report  filing."]

{"sheet":"5%+ Change","index":3,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,5,0,7],[6,0,45,8]]}
["Master File #",{"$f":"'Cover Page'!D5","v":0},null,"Company Name:",null,{"$f":"'Cover Page'!D6","v":0}]
[]
[]
["In response to Question 3 of the Cover Page questionnaire, the explanation for the company's"]
["significant change in ownership, management or form of organization is explained below."]

{"sheet":"License","index":4,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,5,0,7],[6,0,45,8]]}
["Master File #",{"$f":"+Main!$C$35","v":0},null,"Company Name:",null,{"$f":"'Cover Page'!D6","v":0}]
[]
[]
["In response to Question 6 of the Cover Page questionnaire, the explanation for any denial,"]
["suspension, or revocation of a license is provided below."]

{"sheet":"Fin Settle","index":5,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,5,0,7],[6,0,45,8]]}
["Master File #",{"$f":"+Main!$C$35","v":0},null,"Company Name:",null,{"$f":"'Cover Page'!D6","v":0}]
[]
[]
["In response to Question 7 of the Cover Page questionnaire, the explanation for the company's"]
["financial settlements is provided below."]

{"sheet":"Arb-Lit","index":6,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,5,0,7],[6,0,45,8]]}
["Master File #",{"$f":"+Main!$C$35","v":0},null,"Company Name:",null,{"$f":"'Cover Page'!D6","v":0}]
[]
[]
["In response to Question 8 of the Cover Page questionnaire, the explanation for any instances of"]
["arbitration or civil litigation."]

{"sheet":"Sched E Supp","index":7,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,5,0,7],[6,0,45,8]]}
["Master File #",{"$f":"+Main!$C$35","v":0},null,"Company Name:",null,{"$f":"'Cover Page'!D6","v":0}]
[]
[]
["The names of companies with whom brokered loans were closed, as reported in Schedule E "]
["are provided below."]

{"sheet":"Sched H Supp","index":8,"n_rows":5,"n_cols":6,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,5,0,7],[6,0,45,8]]}
["Master File #",{"$f":"+Main!$C$35","v":0},null,"Company Name:",null,{"$f":"'Cover Page'!D6","v":0}]
[]
[]
["The types of non-credit insurance or other miscellaneous product sold as reported in Schedule H"]
["is shown below."]