Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and 1st Franklin Financial Corporation ("1st Franklin Financial," "we," "us," or "our"). By accessing or using our website at 1stfranklinfinancialapply.com or any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

These Terms apply to all visitors, users, and others who access or use our website and services.

2. Eligibility

To use our services and apply for a loan, you must:

• Be at least 18 years of age (or 19 in Alabama)
• Be a U.S. citizen or permanent resident
• Reside in one of our service states: Alabama, Florida, Georgia, Kentucky, Louisiana, Mississippi, South Carolina, Tennessee, Texas, or Virginia
• Have a valid Social Security Number
• Have a valid bank account
• Meet our credit and income requirements

3. Our Services

1st Franklin Financial provides personal installment loans ranging from $600 to $15,000. Our services include:

• Personal loan origination and servicing
• Online loan applications
• In-branch loan services at over 370 locations
• Customer account management
• Financial education resources

3.1 Loan Limitations

Loan proceeds from 1st Franklin Financial cannot be used for:

• Post-secondary educational or vocational expenses
• Purchasing securities or investments
• Business purposes
• Gambling or illegal purposes

4. Account Responsibilities

4.1 Accurate Information

You agree to provide accurate, current, and complete information during the application process and to update such information as needed. Providing false or misleading information may result in denial of your application and may constitute fraud.

4.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4.3 Communication Consent

By providing your contact information, you consent to receive communications from us regarding your loan application, account, and related services via phone, email, text message, and mail.

5. Loan Terms and Conditions

5.1 Credit Approval

All loans are subject to credit approval. Meeting eligibility requirements does not guarantee loan approval. Loan amounts, APRs, and terms depend on your credit profile, income, and other factors.

5.2 APR and Fees

Annual Percentage Rates (APRs) vary based on loan amount, term, and your credit profile. All applicable APRs and fees will be clearly disclosed before you accept any loan offer.

5.3 Collateral

Some loans may require collateral. Active-duty military members, their spouses, or dependents covered by the Military Lending Act (MLA) may not pledge a vehicle as collateral.

5.4 Loan Agreement

If approved, you will receive a separate Loan Agreement that contains specific terms and conditions for your loan. The Loan Agreement, along with these Terms, governs your loan.

6. Website Use

6.1 Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to our systems or data
• Interfere with or disrupt the website or servers
• Transmit viruses, malware, or other harmful code
• Use automated systems to access the website without permission
• Impersonate any person or entity
• Collect information about other users without consent

6.2 Calculator and Tools

Any calculators or tools provided on our website are for informational purposes only and do not constitute a loan offer or guarantee of terms. Actual loan terms may vary.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of 1st Franklin Financial or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

"1st Franklin Financial," "Loans for Living," the 1F logo, and related marks are trademarks of 1st Franklin Financial Corporation.

8. Disclaimers

8.1 Website Availability

We strive to keep our website available at all times but do not guarantee uninterrupted access. We may modify, suspend, or discontinue any part of the website without notice.

8.2 No Financial Advice

Information on our website is for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with appropriate professionals before making financial decisions.

8.3 Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of any third-party sites.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, 1ST FRANKLIN FINANCIAL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE OR SERVICES.

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US, IF ANY, FOR ACCESSING OUR WEBSITE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify, defend, and hold harmless 1st Franklin Financial and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use of our website or services
• Your violation of these Terms
• Your violation of any third-party rights
• Any false or misleading information you provide

11. Dispute Resolution

11.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to conflict of law principles.

11.2 Arbitration

Any dispute arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Georgia.

11.3 Class Action Waiver

You agree that any arbitration or legal proceeding shall be conducted on an individual basis and not as a class action, collective action, or representative action.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted on our website with an updated "Last Updated" date. Your continued use of our website or services after changes are posted constitutes your acceptance of the modified Terms.

For material changes, we will provide notice through our website or other means as appropriate.

13. Contact Information

If you have questions about these Terms of Service, please contact us:

14. Additional Provisions

14.1 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

14.2 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

14.3 Entire Agreement

These Terms, together with our Privacy Policy and any applicable Loan Agreement, constitute the entire agreement between you and 1st Franklin Financial regarding the use of our website and services.

14.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

NMLS #141654 | Georgia Residential Mortgage Licensee #5656
Licensed in AL, FL, GA, KY, LA, MS, SC, TN, TX, VA