MONTHLY PAYMENT CALCULATIONS (DISCLOSURE)

The monthly payment in the catalog is based on charging the purchase to the FLEX PAY ACCOUNT (formerly known as REGULAR ACCOUNT) and assuming that the only amount outstanding on the account is the advertised item. All other terms and condition apply to the outstanding balance.

Note: Monthly payment calculation is based on a fixed payment (FLEX PAY ACCOUNT formerly known as REGULAR ACCOUNT), using the stated APR, a 20% down payment and longest allowable terms.

If you are charged interest, the minimum charge will be $1.50 in CA, $0.50 in AZ, $2.00 in NV.

• 1. The APR USED is the APR used for calculating the payment shown in the catalog. Only very well qualified customers will receive this rate, actual APR will range between 30.99% - 36.99% and a customer's actual APR will be based on the company's credit criteria.
• 2. Total Payments and Time Period to Repay Obligation are based upon the amount in the Representative Purchase Amount column including the down payment.