Terms and Conditions

INTEREST WILL NOT BE CHARGED. THE INTEREST DESCRIBED IN THE TRUTH-IN-LENDING DISCLOSURE WILL NOT BE CHARGED TO YOU IF YOU SUCCESSFULLY COMPLY WITH THE TERMS OF YOUR PROMOTIONAL PERIOD OFFER (WITH PAY DEFERRED INTEREST LOAN) AS SET FORTH IN THE RETAIL INSTALLMENT CONTRACT OR IN THE ADDENDUM TO THE RETAIL INSTALLMENT CONTRACT WHICH ARE INCLUDED IN THIS PACKAGE.THE TRUTH-IN-LENDING DISCLOSURE CAN BE FOUND ON PAGE ONE OF THE RETAIL INSTALLMENT CONTRACT

ADDENDUM TO RETAIL INSTALLMENT CONTRACT PROMOTIONAL PERIOD OFFER This Promotional Period Offer provides an optional repayment program that allows you to avoid finance charges under the Retail Installment Contract executed on the same day as this Addendum (the “Retail Installment Contract). You are not required to participate in this Promotional Period Offer. If you do not elect to participate in this Promotional Period Offer, the terms of your Retail Installment Contract govern and payments must be made in accordance with those terms. This is a With Pay Deferred Interest promotion. The promotion requires you to make monthly payments of principal and Finance Charges (interest) as set forth in the attached Retail Installment Contract. The “Promotional Period” begins on the date Service Finance Company purchases the Retail Installment Contract and ends on the date your ( ) payment becomes due. You will receive a monthly Billing Statement and the exact date the Promotional Period terminates (“Promotional Expiration Date”) is set forth on each statement. If you pay the entire Amount Financed on or before the end of the Promotional Period, then you will not have to pay any Finance Charge and any Finance Charge paid by you through that date will be refunded to you. However, if you do not pay the entire Amount Financed on or before the end of the Promotional Period, then you will be responsible for paying the Finance Charge, which will accrue as set forth in the Retail Installment Contract. Also, if during the Promotional Period you fail to make a scheduled payment by the thirtieth (30th) day from the date it is due (meaning you make one or more payments late) this Promotional Period Offer will terminate and you will be responsible for paying the Finance Charge, which will accrue as set forth in the Retail Installment Contract. The Truth in Lending Disclosures are set forth in the attached Retail Installment Contract, and reflect the costs of credit if (1) you do not pay the Amount Financed in full prior to the end of the Promotional Period or (2) you fail to make a scheduled payment by the thirtieth (30th) day from the date it is due. You agree that this Addendum attached to the Retail Installment Contract is a part of the Retail Installment Contract and that the terms and conditions of the Retail Installment Contract are supplemented by the terms and conditions of this Addendum. To the extent any terms and conditions of this Addendum contradict any terms and conditions of the underlying Retail Installment Contract, the terms and conditions of this Addendum will govern the issue and override the Retail Installment Contract as to that issue. Your signature(s) below means that you have read, understand and agree to the terms of this Addendum to the attached Retail Installment Contract and the Promotional Period Offer described herein. 12th WPDI Multi-State Addendum (HI) 102618

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