90-Day Finance Charge Cap Promotion

Finance Charges Will Not Exceed $40 When You Pay Your Account Balance in Full in the First 90 Days.

All Finance Charges accrue daily from the date of your Agreement. Your Agreement includes a $40 cap on Finance Charges when you pay your account balance in full during the 90-day promotional period (the "Promotion"). This is not a "finance charge-free period" or “interest-free” promotion. You must satisfy the Terms and Conditions below. To qualify for the Promotion, you must still pay certain earned finance charges, up to your cap.  See your Agreement and Rider for more detailed information.

Terms and Conditions:

• The 90-day "Promotional Period" begins on the date of your Agreement and ends on the promotion end date listed in your Agreement and Rider.

• To obtain the Promotion, you must pay the following during the Promotional Period:

• The entire Amount Financed;

• Any earned Finance Charges up to a maximum of $40; and

• Any fees owed (such as Late Fees or Dishonored Payment Fees).

You will no longer be eligible for the Promotion if any of the following occur:

• You have any payment that is over 15 days past due**;

• You owe us any amount on the day after the Promotional Period ends; or

• You are otherwise in default under your Agreement during the Promotional Period.

**This applies to customer Agreements that were signed on or after September 18, 2025. For Agreements signed prior to September 18, 2025, see your Agreement and Rider.

• If you satisfy these Terms and Conditions, we will limit the amount of Finance Charges you are required to pay to $40 and will treat your account as having been paid in full.

• If you DO NOT pay in full by the end of the Promotional Period and satisfy the other Terms and Conditions, there is no promotional limit on Finance Charges, and you will owe all of the Finance Charges earned (which accrue daily as set forth in your Agreement).

• If you satisfy the Terms and Conditions above and the earned Finance Charges are more than $40, we will reduce the amount of earned Finance Charges to $40, and we will refund any Finance Charge overpayment to you within 14 days of receipt of your full payment.

• If you satisfy the Terms and Conditions above and the amount of earned Finance Charges is $40 or less, you will owe us only the Amount Financed plus the earned Finance Charges and any Late Fees or Dishonored Payment Fees you owe.