Zero Interest Promotional Offer: No Interest if Paid in Full within 6 Months

The Zero Interest Promotional Offer ("Prepayment Promotional Offer") requires you to make monthly interest and principal payments as set forth in the TILA (Truth in Lending Act) disclosures. If you make the first 6 monthly payments in full and on time, and if your payments during the first 6 months (the promotional period) total an amount equal to or greater than the initial principal balance of the Loan, we will credit all interest paid during that initial 6 month period to principal. If any excess interest was paid it will be credited back to you. This means if you pay off your loan in full during the promotional period, you will have effectively paid Zero Interest. To redeem the Zero Interest Promotion you must meet the following two (2) conditions: (1) make all required minimum monthly payments on time up until the time of redemption; and (2) contact us to inform us that you are electing to redeem the Prepayment Promotion and pay off your remaining Loan balance, if any, by calling 855-727-2395 or emailing us at [email protected] before this 6-month promotional period expires. Failure to comply with either of the preceding conditions will disqualify you from the promotional offer and you will be required to repay your Loan pursuant to the terms of your Loan.