EXTENDED TERMS

Buyer agrees to pay Seller for all sales and services promptly upon receipt of an invoice. Buyer agrees to pay a FINANCE CHARGE on any unpaid balance existing after the closing date appearing on the monthly billing statement. A FINANCE CHARGE is determined by deducting the total payments from the balance forward and multiplying this figure by a monthly percentage rate of 1.5% or an ANNUAL PERCENTAGE RATE OF 18.0%.

Buyer agrees that Seller may make any changes in the rates, changing and other terms of this Agreement from time to time hereafter, provided that the Buyer is given notice of such charges and they do not exceed the limits established by law.

If Buyer fails to make any payment when due, Seller may declare the full remaining balance due and payable and Buyer referral to an attorney who i not a salaried employee of Seller.


PRIVACY POLICY NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of Massachusetts, generally prohibits us from sharing non public personal about you with a third party unless we provide you with this notice of our privacy policies and practices describing the type of information that we collect about you and what personal information we disclose about you.

What Personal Information We Collect About You
We collect non-public personal information about you from the following sources:

• Information we receive from you on applications and other forms
• Information about your transactions with us, our affiliates and others; and
• Information we receive from customer reporting agencies, government agencies, other insurance companies, investigators connected with claims adjusting, and insurance support organizations as permitted or required by law.

Our Practicing Regarding Information Confidentiality and Security
We restrict access to non-public personal information about you to those employees who need to know that information in order to provide products or service to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

What Personal Information We Disclose About You
We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.


NOTICE:

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applications on the basis of sex or marital status. The Federal agency with administrators compliance with this law concerning this creditor is Equal Credit Opportunity, Federal Trade Commission, Washington, D.C. 20580.