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(m) Entering into a title loan agreement in which the amount of money advanced in -consideration for the loan secured by any single certificate of title exceeds one third of the value of the motor vehicle. The value of the motor vehicle shall be determined by reference to the loan value in the current Southeastern Edition of the National Automobile Dealer's Association Official Used Car Guide. The value may vary based upon documented unique characteristics of the motor vehicle. (n) Failing to exercise reasonable care in the safekeeping of a certificate of title or motor vehicle repossessed pursuant to this Ordinance. (o) Failing to return a certificate of title or repossessed motor vehicle to a borrower, with any and all of the title lender's liens on the property properly released, within thirty (30) days of the payment of the full amount due, unless the property has been seized or impounded by an authorized law enforcement agency, taken into custody by a court, or otherwise disposed of by court order. (p) Charging or receiving any finance charge, interest, cost, or fee which is not permitted by this Ordinance. (q) Engaging in business as a title loan lender without a current, active license issued by the Department issued pursuant to this Ordinance. (r) Refusing to accept partial repayment of the amount financed when all accrued finance charges have been paid. (s) Charging a prepayment penalty. (t) Capitalizing any unpaid finance charge as part of the amount financed in the renewal of a title loan agreement. (u) Failing to account for and remit to the borrower all surplus proceeds from the disposal of the borrower's motor vehicle, within fifteen (15) days of disposal. (v) Advertising to engage in title loan transactions without a current, valid license issued by the Department pursuant to this Ordinance. SEPTEMBER 28, 1999 -125- E00 KFE �Y