90-Day Finance Charge Cap Promotion

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

Your agreement includes a $40 limit on Finance Charges when you prepay your account balance in full during the 90 day promotional period (the "Promotion"). (This is not a "finance charge-free period" promotion - you must satisfy the Terms and Conditions below, including prepayment in full within 90 days, to satisfy the Promotion and must still pay certain earned finance charges even if you do so.)

Terms and Conditions:

• The 90-day "Promotional Period" begins on the date of your agreement and ends on ___________.

• 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 was over 30 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.

• 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.

• HOWEVER, if you do not satisfy the promotion requirements during the Promotional Period, you will continue to owe all of the Finance Charges accrued as originally disclosed without any reduction.

Examples:

• If you DO NOT prepay 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 earned Finance Charges (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 are $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.