1^st Franklin Financial and Renewalfinancial.com have partnered to provide financial education for consumers. Through comprehensive educational programs, the objective is to help consumers understand the complex financial issues of banking, budgeting, creating wealth, credit, homeownership, identity theft and insurance. These programs are designed to educate consumers on how they can improve their financial situation, so that over time they are able to move into the financial mainstream. Through this partnership, 1^st Franklin Financial and Renewal Financial are working with United States Senators, State Legislators, Federal and State Regulators, installment lenders, bankers, community and faith-based organizations and others to educate them about the important role that 1^st Franklin Financial plays in providing the money that families need.*

1^st Franklin Financial Corporation has been engaged in the consumer finance business since 1941. Company founder, Mr. Ben F. Cheek, Jr., began the business on January 1, 1941 in Toccoa, Georgia. His primary goal was to provide "Financing for the Individual." Business was conducted in Mr. Cheek's law office and his first loan was an automobile loan of $34. The business was originally founded as Franklin Discount Company.

Franklin Discount remained a single office operation until 1955, when the Company opened offices in several surrounding communities in the Northeast Georgia area. Since that time, the Company has expanded throughout the state of Georgia and into the surrounding states of Alabama, Louisiana, Mississippi, South Carolina and Tennessee. The Company currently has more than 245 offices to serve the financial needs of families across the Southeast. Feeling a new name would more accurately describe the business, Franklin Discount Company officially became 1^st Franklin Financial Corporation in December 1983.

Mr. Ben F. Cheek, Jr. was unfailing in his efforts to ensure that each employee took pride in being fair, honest and friendly with our customers. Due to his diligence, 1^st Franklin Financial Corporation has earned the reputation as the "Friendly Franklin Folks". He was also committed to the concept that each employee is vitally important to the overall success of a Company. He asked and expected that each employee give his/her best, and in return he pledged that the Company would make every effort to give the employee its best. 1^st Franklin Financial continues to hold forth the same beliefs that the Company was founded on in 1941.

Renewal Financial Services, LLC, is specifically focused on building networks that improve accessible to unbanked, underbanked and thin-filed consumers. We serve as a catalyst for change at the point of service within the community. According to the United States Federal Reserve and Federal Deposit Insurance Corporation (FDIC), the fringe financial service market consists of consumers who are predominately unbanked, underbanked and thin-filed. This market also includes:

• Twenty-eight percent (28%) of the adult American population (53% of whom are African-American and Hispanic)
• An estimated 80 million people in the U.S. with credit scores of 660 or below
• An estimated 54 million individuals with no credit score or a “thin” credit file
• Consumers who live in income polarized communities where mainstream financial service organizations have either left the market or have seriously curtailed their offerings
• People who live in communities with cash economies and believe a bank account does not make sense for their cash-driven transactions
• Individuals who live in communities that have high debt-to-income ratio and lower levels of education causing higher unemployment rates, experience special needs such as major medical bills, cash purchases of household appliances, incarceration, etc. and lack financial discipline and/or foresight
• Consumers who live in communities that often require them to rely on sub-prime mortgage companies, pawn stores, check cashing outlets, rent-to-own merchandisers, payday advance loan companies, auto title loan firms and refund anticipation loan organizations to meet their financial needs

1^st Franklin Financial plays an important role in providing cash to families in need. Throughout its history, 1^st Franklin Financial has developed loan products and services that meet the needs of consumers who might not have access to mainstream financial services. 1^st Franklin has partnered with elected and appointed officials, faith and community-based organizations, consumer advocates, as well as educational foundations in order to inform consumers of the importance of personal financial responsibility. Through the partnership of 1^st Franklin Financial and Renewal Financial the mission is to help consumers understand the benefits of responsible financial management.

*All loans are subject to 1^st Franklin Financial’s liberal credit policy and limitations, if any. 1^st Franklin Financial Corporation is a Georgia Residential Mortgage Licensee #5656, NMLSR #141654.

In partnership with 1^st Franklin Financial, Renewalfinancial.com has designed the Renewal Coach to help consumers address the complex financial issues they experience on a daily basis. This patent pending tool provides a personalized and customized gameplan to address various financial situations experienced by consumers. It helps you establish your financial goals and objectives. The Renewal Coach sets forth the "Renewal Five" which maps where the consumer is, where they'd like to be, how they plan to get there, how they will know when they've arrived and what to do if unsuccessful. The coach can help you build a personalized budget, financial and investment strategy to help you achieve your financial goals and objectives. If you would like to gain more information about the Renewal Coach, go to renewalfinancial.com/coach.

In partnership with 1^st Franklin Financial, Renewalfinancial.com provides access to a classroom module providing financial information on Banking, Budgeting, Creating Wealth, Credit, Homeownership, Identity Theft and Insurance. Consumers can view each lecture series, take tests based on course content, immediately get test results, and derive additional sponsor support benefits based their success completion of this process. If you would like to gain more information about the Renewal Classroom, go to renewalfinancial.com/classroom.

Renewalfinancial.com has provide additional tools in partnership with VISA and 1^st Franklin Financial to help rework budgets, calculating allowances, calculating interest on a car loan, how to save a million dollars, calculating the true cost of a loan and calculating the cost of credit, among others. Additionally, the Renewal Tools section provides games that help teach children and adults about saving, budgeting and general money matters. If you would like to gain more information about the Renewal Tools section, go to renewalfinancial.com/tools.