| The ANNUAL PERCENTAGE RATE you receive will be within
the ranges disclosed above and is based on certain creditworthiness
criteria. Please see us for details regarding how your
rate is determined. |
| SHARE
SECURED: The ANNUAL PERCENTAGE RATE (APR) will be
the dividend rate being paid on regular shares plus 4%.
The APR is subject to change at the time of a new advance.
If there is an existing balance on the due date of the
new advance, the existing balance will be added to the
new advance and the entire balance will be at the new
APR. Any increase in the APR will take the form of higher
payments. |
| CERTIFICATE
SECURED: The ANNUAL PERCENTAGE RATE (APR) will be
the dividend rate being paid on the Certificate offered
as security plus 4%. The Certificate must be renewed until
the advance is completely paid. Failure to renew will
result in default under the Plan. When the Certificate
is renewed, the APR will change to reflect the new dividend
rate. Any increase in the APR will result in higher payments. |
| COLLECTION
COSTS: You agree to pay all costs of collecting the
amount you owe under this Agreement, including reasonable
attorney fees not in excess of 15% of the unpaid debt
and all court costs. |
| LATE
CHARGES: If you are more than 10 days late in making
a payment, you will be charged 5% of the past due payment. |
