b'RETAIL CHARGE AGREEMENT/ SECURITY AGREEMENT\n\nPreferred Credit, Inc. \xe2\x80\x93 628 Roosevelt Road, St. Cloud, MN 56301 ZIP Line: 877-878-1079 Customer Service: 800-972-0825\nIF YOU ARE MARRIED, YOU MAY APPLY FOR CREDIT SEPARATELY AS AN INDIVIDUAL.\nTYPE OF CREDIT REQUESTED (CHECK APPROPRIATE BOX):\n\xe2\x9d\x91 INDIVIDUAL \xe2\x80\x93 IN YOUR NAME, RELYING ON YOUR OWN INCOME. COMPLETE BUYER INFORMATION.\n\xe2\x9d\x91 JOINT \xe2\x80\x93 WITH ANOTHER PERSON. COMPLETE BUYER AND CO-BUYER INFORMATION.\n\nVerify Customer\xe2\x80\x99s\nGovernment Issued I.D.\n\nWE INTEND TO\n________________\nAPPLY FOR\nAPPLICANT/\nJOINT CREDIT BUYER\nINITIALS\n\nPCI Consumer Account No.\n__________________\nCO-APPLICANT/\nCO-BUYER INITIALS\n\n**** IDENTIFICATION VERIFICATION ****\nApplicant\xe2\x80\x99s Driver\xe2\x80\x99s License/I.D. #\n\nState\n\nExpirationDate\n\nCo-Applicant\xe2\x80\x99s Driver\xe2\x80\x99s License/I.D. #\n\nState\n\nExpirationDate\n\n**** APPLICANT INFORMATION ****\nLast Name\n\nFirst Name\n\nMiddle Init.\n\nPhysical Address\n\nApt./Lot #\n\nCity/State\nPrimary Income Type\n\n\xe2\x9d\x91 Full-Time\n\xe2\x9d\x91 Part-Time\n\nDate of Birth\n\nZIP\n\n\xe2\x9d\x91 Self-Employed\n\xe2\x9d\x91 Retired\n\nEmployer/Primary Source of Income\n\nYears There\n\n\xe2\x9d\x91 Military Pay Grade ___________________\n\xe2\x9d\x91 Other______________________________\n_\n\nJob Title\n\nMonthly Gross Income\n\n$ _____________\nYears There\n\nEmployer Phone\n\nSocial Security #\n\nHome Phone #\n\nMailing Address (If different from Physical Address)\nEmail Address\nOther Income Type(s) (Check ALL that apply): Alimony, child support and maintenance payments need not be disclosed if you do not wish\n\nus to consider them in determining your credit worthiness.\n\xe2\x9d\x91 Full-Time\n\xe2\x9d\x91 Part-Time\n\n\xe2\x9d\x91 Self-Employed \xe2\x9d\x91 Military Pay Grade ____________________\n\xe2\x9d\x91 Retired\n\xe2\x9d\x91 Other ______________________________\n\nBusiness Ext. \xe2\x9d\x91\n\n}\n\nOWNS\n\xe2\x9d\x91 RENTS\n\xe2\x9d\x91 PROVIDED \xe2\x9d\x91 OTHER\n\nEmployer Location (City, State)\n\nCell Phone #\n\n\xe2\x9d\x91 HOUSE \xe2\x9d\x91 APT \xe2\x9d\x91 CONDO\n\xe2\x9d\x91 MOBILE \xe2\x9d\x91 LIVES WITH FAMILY\n\nBank Accounts\nPlease Check ALL that Apply:\n\nMonthly Gross Other Income\n\n$ ____________\nMonthly Housing Payment\n\n$ _____________\n\n\xe2\x9d\x91 CHECKING\n\n\xe2\x9d\x91 SAVINGS\n\nCO-APPLICANT INFORMATION: \xe2\x9d\x91 SPOUSE \xe2\x9d\x91 CO-BUYER; RELATIONSHIP: _________________________________________________________\nLast Name\n\nFirst Name\n\nMiddle Init.\n\nPhysical Address\nPrimary Income Type\n\n\xe2\x9d\x91 Full-Time\n\xe2\x9d\x91 Part-Time\n\nDate of Birth\nApt./Lot #\n\n\xe2\x9d\x91 Self-Employed\n\xe2\x9d\x91 Retired\n\nEmployer/Primary Source of Income\n\n\xe2\x9d\x91 Military Pay Grade ___________________\n\xe2\x9d\x91 Other______________________________\n_\n\nJob Title\n\nMonthly Gross Income\n\n$ _____________\nYears There\n\nEmployer Phone\n\nSocial Security #\n\nZIP\n\nus to consider them in determining your credit worthiness.\n\xe2\x9d\x91 Full-Time\n\xe2\x9d\x91 Part-Time\n\n\xe2\x9d\x91 Self-Employed \xe2\x9d\x91 Military Pay Grade ____________________\n\xe2\x9d\x91 Retired\n\xe2\x9d\x91 Other ______________________________\n\n}\n\n\xe2\x9d\x91 HOUSE \xe2\x9d\x91 APT \xe2\x9d\x91 CONDO\n\xe2\x9d\x91 MOBILE \xe2\x9d\x91 LIVES WITH FAMILY\n\nBank Accounts\nPlease Check ALL that Apply:\nCity/State\n\n(2) Name of Nearest Relative Not Living With You\n\nCity/State\n\nYears There\n\nOther Income Type(s) (Check ALL that apply): Alimony, child support and maintenance payments need not be disclosed if you do not wish\n\nOWNS\n\xe2\x9d\x91 RENTS\n\xe2\x9d\x91 PROVIDED \xe2\x9d\x91 OTHER\n\n(1) Name of Nearest Relative Not Living With You\n\nCell Phone #\n\nCity/State\n\nBusiness Ext. \xe2\x9d\x91\n\nEmployer Location (City, State)\n\nVT04-R\n\nHome Phone #\n\n**** REFERENCES ****\n\nMonthly Gross Other Income\n\n$ ____________\nMonthly Housing Payment\n\n$ _____________\n\n\xe2\x9d\x91 CHECKING\n\nRelative\xe2\x80\x99s Phone\n\nRelationship\n\nRelative\xe2\x80\x99s Phone\n\nRelationship\n\n\xe2\x9d\x91 SAVINGS\n\nBy signing below you (a) apply for credit; (b) agree that, to the best of your knowledge, all information contained in the application above is complete and accurate; (c) recognize that we may\nobtain consumer reports on you in connection with your application and may obtain and use subsequent reports in connection with an update, renewal or extension of credit for which you\nmay apply, and other uses not prohibited by law; (d) expressly authorize any third party (i.e. creditor, bank, or financial institution; employer; landlord; etc.) to release whatever information that\nwe may request concerning you; (e) agree that we may monitor and record telephone calls regarding your account for quality assurance and for other reasons not prohibited by law; (f)\nexpressly consent and agree to us using written, electronic or verbal means to contact you as not otherwise prohibited by law including, but not limited to, contact by manual calling methods,\nprerecorded or artificial voice messages, text messages, emails, posts and/or automatic dialing systems and do so using any email address, social media account or telephone number you\nprovide or we otherwise may obtain, now or in the future, including a number for a mobile phone or other wireless device regardless of whether you may incur charges as a result; (g)\nacknowledge that the terms and conditions of this Agreement are subject to credit approval; (h) acknowledge that Interest Charges will be imposed in amounts or rates not in excess of those\npermitted by law; (i) acknowledge this instrument is based upon a home solicitation sale, which is subject to the provisions of the Home Sale Disclosure law set forth under Additional Terms\nand Disclosures in paragraph 17 \xe2\x80\x9cHome Sale Disclosure Laws\xe2\x80\x9d; (j) grant us a purchase money security interest in the goods you purchase under this Agreement which are described in any order,\ninvoice or similar document issued by the Seller which becomes part of this Agreement; (k) acknowledge that this instrument is not negotiable; and (l) and (l) acknowledge that you are receiving\nthe Retail Charge Agreement: Additional Terms and Disclosures. The Additional Terms and Disclosures are in effect on the date of execution and incorporated herein.\nNOTICE TO BUYER--DO NOT SIGN THIS AGREEMENT IN BLANK. YOU ARE ENTITLED TO A COPY OF THE AGREEMENT AT THE Your initials below mean that (a) you have\nread and agree to the terms and conditions\nTIME YOU SIGN. KEEP IT TO PROTECT YOUR LEGAL RIGHTS\nas set forth on all 5 pages of this Agreement;\nyou agree to the terms of this Agreement;\nBUYER\xe2\x80\x99S RIGHT TO CANCEL: You, the buyer, may cancel this transaction at any time prior to midnight of the third business day after (b)\nand (c) you will pay any advances made\nthe date of this transaction. See the attached notice of cancellation for an explanation of this right.\nunder this Agreement according to its terms.\nYour signatures below mean that you have received a completely filled in copy of this Agreement.\n\nX\n\nDate\n\nBuyer\xe2\x80\x99sSignature\nSeller\xe2\x80\x99s Company Name and Address:\nCompany Name:\nAddress:\n\n/\n\n/\n\nX\n\nDate\n\nCo-Buyer\xe2\x80\x99sSignature\nSale Information\nConsultant:\n\nSeller\xe2\x80\x99s Initials:\n\nPCI Client No.:\n\nDecision Code:\n\nAUTHORIZATION FOR PREAUTHORIZED PAYMENTS\n\n/\n\n/\nBUYER INITIALS\nPromotional Credit Plan (if applicable):\n\nCO-BUYER INITIALS\n\nBy signing below, I hereby request and authorize Preferred Credit, Inc. (PCI) to initiate entries to debit my account on such dates and in such amounts as described in my signed Retail Charge\nAgreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) and as otherwise described below. This authority is to remain in full force and effect until PCI is paid in full, or PCI and Bank/Financial Institution have received written\nnotification from me of its termination at such time and in such manner as to afford PCI and Bank/Financial Institution a reasonable opportunity to act on it. In addition to the payment amount, I\nrequest and authorize PCI to initiate entries to debit my account to collect any incidental fees or charges that may be due on the Agreement following maturity, as permitted by applicable law.\nIf my payment is returned unpaid, I authorize PCI to make a one-time electronic fund transfer from my account to collect a fee as provided in my Agreement.\nBank/Financial Institution Name:\nCheck Which One Applies:\n\n\xe2\x9d\x91 CHECKING \xe2\x9d\x91 SAVINGS\n\nName (Print):\n\nRouting Number:\n\nLocation (City, State, Zip):\nAccount\nNumber:\nSignature:\n\n\x0cFACTS\nWhy?\n\nCUSTOMER PRIVACY\n\nWHAT DOES PREFERRED CREDIT, INC. (\xe2\x80\x9cPCI\xe2\x80\x9d) DO WITH YOUR PERSONAL INFORMATION?\n\nRev. 05/17\n\nFinancial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us\nto tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.\nThe types of personal information we collect and share depend on the product or service your have with us. This information can include: (1) Social Security Number and\nWhat?\nincome; (2) account balances and payment history; and (3) credit history and credit scores.\nAll financial companies need to share customers\xe2\x80\x99 personal information to run their everyday business. In the section below, we list the reasons financial companies can share\nHow?\ntheir customers\xe2\x80\x99 personal information; the reasons PCI chooses to share; and whether you can limit this sharing.\nReasons we can share your personal information\nDoes PCI share?\nCan you limit this sharing?\nFor our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court\nYes\nNo\norders and legal investigations, or report to the credit bureaus\nFor our marketing purposes - to offer our products and services to you\nYes\nNo\nFor joint marketing with other financial companies\nNo\nWe don\xe2\x80\x99t share\nFor our affiliates\xe2\x80\x99 everyday business purposes - information about your transactions and experiences\nNo\nWe don\xe2\x80\x99t share\nFor our affiliates\xe2\x80\x99 everyday business purposes - information about your creditworthiness\nNo\nWe don\xe2\x80\x99t share\nFor our affiliates to market to you\nNo\nWe don\xe2\x80\x99t share\nFor nonaffiliates to market to you\nNo\nNo\nQuestions? Call 320-255-9784 or go to www.preferredcredit.com\n\nWhat we do\n\nHow does PCI protect my personal information? - To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These\nmeasures include computer safeguards and secured files and buildings. We continually evaluate and access new technology for protecting your nonpublic personal information.\nHow does PCI collect my personal information? - We collect personal information, for example, when you (1) apply for financing or give us your contact information; (2) provide account\ninformation or pay your bills; and (3) show your government-issued ID. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\nWhy can\xe2\x80\x99t I limit all sharing? - Federal law gives you the right to limit only (1) sharing for affiliates\xe2\x80\x99 everyday business purposes (i.e. information about your creditworthiness); (2) affiliates\nfrom using your information to market to you; and (3) sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below\nfor more on your rights under state law.\nWhat happens when I limit all sharing for an account I hold jointly with someone else? - Your choices will apply to everyone on your account unless you tell us otherwise.\n\nDefinitions\nAffiliates - Companies related by common ownership or control. They can be financial or nonfinancial companies. PCI does not share with our affiliates\n\nNonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include direct marketing\ncompanies and the retailer named on your account.\nJoint Marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you. PCI does not jointly market\n\nOther Important Information\n\nWe follow state law if state law provides you with additional privacy protections.\nAssignment by Seller (With Full Recourse): For Value Received: Seller sells and assigns this Retail Charge Agreement (the \xe2\x80\x9cAgreement\xe2\x80\x9d) to Preferred Credit, Inc.,\n628 Roosevelt Rd., Suite #100, P.O. Box 1679, St. Cloud, MN 56302, the assignee, its successors and assigns, including all of Seller\xe2\x80\x99s rights, title, and interest in this\nAgreement and any guarantee executed in connection with this Agreement. Assignee has full power to take all legal and other actions, which Seller could have taken\nunder this Agreement. The undersigned hereby guarantee payment of the Agreement in accordance with its terms and agree to pay all costs and reasonable attorney\xe2\x80\x99s\nfees incurred in enforcing the obligations of the undersigned hereunder.\n(Corporate, Firm or Trade Name of Seller)\n(Owner, Officer or Firm Member)\n\n(Date)\n\nTHIS DOCUMENT IS SUBJECT TO A SECURITY INTEREST IN FAVOR OF US BANK NATIONAL ASSOCIATION.\n\nREVISED 07-10-2018\nPRINTED 00-00-2018\n\xc2\xa9 1990-2018 Preferred Credit, Inc. ALL RIGHTS RESERVED. Duplication of this document without the copyright owner\xe2\x80\x99s prior written consent is strictly prohibited.\n\nVT04-R\n\nPage 2 of 5\n\n\x0cRETAIL CHARGE AGREEMENT: ADDITIONAL TERMS AND DISCLOSURES\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, Federal\nlaw requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will\nask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver\'s license or other identifying documents.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nHow to Avoid Paying Interest\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nFees\n\n21%. See your account agreement for more details.\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if\nyou pay your entire balance by the due date each month.\nIf you are charged interest the charge will be no less than $0.50. See your account agreement for more details.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer\nFinancial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nTransaction Fees\nNone.\nPenalty Fees\n\xe2\x80\xa2 Late Payment\nNone.\n\xe2\x80\xa2 Return Payment\nNone.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance (including new purchases).\xe2\x80\x9d See your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n1. Definitions: In this Retail Charge Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d): The word \xe2\x80\x9cAccount\xe2\x80\x9d refers to the account that is established with the Seller, and their successors or assigns, that is the\nsubject of this Agreement. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each individual who signs the Application for the Account, and who is authorized to use the Account. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d\nand \xe2\x80\x9cour\xe2\x80\x9d refer to the Seller, and any assignee of the Seller. The words \xe2\x80\x9cAcceptable Documentation\xe2\x80\x9d shall refer to Purchase Orders, phone orders, or orders from our website, so long as\nsuch orders are signed (physically or electronically) or otherwise verbally or electronically authenticated. The words \xe2\x80\x9cApplicable Law\xe2\x80\x9d shall mean federal law and the laws of the state of\nVermont. You and we agree that these Applicable Laws apply to this Agreement. The words \xe2\x80\x9cPurchase Order\xe2\x80\x9d refer to the document describing the type, quantity and agreed price of\nmerchandise you buy from the Seller.\n2. Account: This Agreement applies to your retail charge purchase of goods and services from us. The amount of your initial purchase from Seller will govern the amount of the initial\ncredit limit on your Account, which will be set at a higher amount than the cost of the goods purchased based on our expectation that you will use the Account to make additional\npurchases. You may make add-on purchases from the Seller or Seller\'s assigns which will be evidenced by Acceptable Documentation. Acceptable Documentation must provide the\ncash price of the merchandise purchased. By signing future Acceptable Documentation you agree those purchases thereby confirmed will be subject to this Agreement. You agree that\nadd-on orders which exceed the credit limit established with your initial order are subject to credit approval. We reserve the right to deny authorization for any requested credit limit\nincrease.\n3. Promise to Pay: In return for extending credit to you on this Account from time to time, each of you agrees to pay for all purchases any of you charge on this Account, and all other\ncharges mentioned below, according to the terms of this Agreement. When you sign the Application for this Account, you will be agreeing to the terms and conditions in this Agreement,\nwhich include the cost of credit disclosures required by Applicable Law. This Agreement will not be effective until we approve your Application, and we or our assignee provides any\ndisclosures required by the federal Truth in Lending Act, and then, after that, only if you or someone authorized by you sign a Purchase Order or otherwise charge a purchase to this\nAccount.\n4. Billing: You will be billed monthly for credit purchases from us, as shown on a Purchase Order signed by you (or completed at your direction), and for any previous unpaid balance.\nYou will receive a monthly periodic statement of account for any month in which you have an outstanding balance or on which an Interest Charge has been imposed. Your monthly\nperiodic statement of account will show your new unpaid balance, any new purchases you have made since your last monthly periodic statement of account, and your Minimum Monthly\nPayment. Your credit limit will also be shown on your monthly periodic statement of account.\n5. Payment: You have the right to pay your entire balance in full or more than the Minimum Monthly Payment at any time. Otherwise, you agree to pay the Minimum Monthly\nPayment, which includes Interest Charges. You must make payment in U.S. Dollars, with a draft, money order, or check drawn on a U.S. Bank or the U.S. Post Office. We may accept\nlate payment, partial payments, or any payments marked "payment in full," without losing any of our rights under this Agreement or Applicable Law.\n6. Interest Charges: Unless you are offered a Promotional Credit Plan as described below, Interest Charges will begin to accrue upon delivery of the merchandise you purchase.\nDelivery occurs upon the earlier of the date of shipment of the merchandise, or the date of hand delivery of the merchandise. No Interest Charges will be imposed if the sum of the\npayments we receive and other credits issued since the beginning of the current billing cycle are equal to or greater than the amount of the outstanding balance as of the end of the\nprevious billing cycle (as reflected on the most recent monthly periodic statement of account), we will not impose Interest Charges for the current cycle. We figure the Interest Charge on\nyour Account by applying the daily periodic rate to the \xe2\x80\x9cdaily balance\xe2\x80\x9d of your account for each day in the billing cycle. To determine the daily balance, we take the beginning balance each\nday, add any new charges posted that day, and subtract any payments and credits posted that day. This gives us the daily balance. Then, we calculate the amount of interest charged by\nmultiplying the applicable daily periodic rate by each daily balance on your account. Your Interest Charge for the billing cycle is the sum of the interest amounts that were charged each day\nduring the billing cycle. Your daily periodic rate and the corresponding Annual Percentage Rate are indicated in the chart below. The daily periodic rate will be the annual rate divided by 365\n(366 in a leap year).\nApplicable\nDaily\nCorresponding\nLaw\nPeriodic Rate\nANNUAL PERCENTAGE RATE\nVT\n0.0575%\n21%\nThe portion of any balance arising from the sale of goods which are returned will be excluded from the unpaid balance as of the date the goods are returned.\n7. Minimum Monthly Interest Charge: As allowed by Applicable Law, if the Interest Charge that results from the application of the above stated daily periodic rate (the "Calculated\nInterest Charge"), is less than $0.50, we will impose a minimum monthly INTEREST CHARGE of $0.50.\n8. Minimum Monthly Payment: You will make payments of at least the total Minimum Monthly Payment each month as required by our monthly periodic statements of account. Your\ntotal Minimum Monthly Payment will consist of: (1) any past due amounts, and (2) a regularly scheduled Minimum Monthly Payment. The regularly scheduled Minimum Monthly\nPayment will be equal to the greater of: (a) the regularly scheduled Minimum Monthly Payment shown on your Purchase Order; (b) $25.00; or (c) 3.00% of the Account balance\nimmediately following the first or any subsequent purchase on your Account.\n9. Promotional Credit Plans: In addition to purchases that accrue Interest Charges and require monthly payments as described previously in this Agreement, as part of this Account,\nPromotional Credit Plans may be offered from time to time on specific additional purchases for qualified buyers. Purchases made under these Promotional Credit Plans may have\ndifferent interest charge calculations and required minimum payments. A Promotional Credit Plan is strictly limited by its terms and the terms and conditions of the special promotion to\nwhich it relates. In addition, the benefits of a Promotional Credit Plan will expire and all accrued Interest Charges in these plans will be added to your Account if you fail to pay the\npromotional balance by the end of the promotional period or you are in default for a period of 60 or more days during the promotional period. The special promotions that may be offered\ninclude:\n9.a. Same as Cash Plan: If you pay the full purchase price before the expiration date of a Same as Cash Plan, as indicated on your monthly periodic statement of account, and pay the\nMinimum Monthly Payment each billing period when due, no Interest Charges will be imposed on the purchase. If such payments are not made, Interest Charges from the date of\ndelivery will be added to your Account either when you fail to make a payment within 60 days of the due date or, at the end of the Same as Cash Plan period if any portion of the\npromotional balance remains outstanding.\n9.a.1. How Payments Are Applied When Same as Cash Plan Is In Effect: Unless otherwise required by Applicable Law, during the two billing cycles immediately preceding expiration\nof the Same as Cash Plan period, any amount paid in excess of the minimum payment due will be allocated first to the balance subject to the Same as Cash Plan and any remaining\nportion to any other balances. We may offer Same as Cash Plan periods of 6 months, 9 months, 12 months or of different lengths that we will announce from time to time.\n10. Application of Payments: Unless otherwise required by Applicable Law, payments except down payments, shall be applied first to past due Minimum Monthly Payments, beginning\nwith the oldest, then to the current Minimum Monthly Payment, and then to other unpaid late fees, costs and fees arising under this Agreement.\n11. Other Charges:\n11.a. Returned Check Charge: You will pay any service charges (which you agree we will add to the balance due on your Account) if any check, negotiable order of withdrawal, share\ndraft, or item you give us for payment under the Agreement is dishonored for any reason by the bank or other institution on which it is drawn. Notwithstanding the preceding, you will not\nbe charged more than the amount of the required minimum periodic payment due immediately prior to the date on which the payment is returned or otherwise dishonored. If your payment\nis returned unpaid, you authorize us to make a one-time electronic fund transfer from your account to collect a fee as provided above.\n12. Security Agreement: You grant us a purchase money security interest in each household good purchased with this Account (\xe2\x80\x9cGoods\xe2\x80\x9d) for a price of $200 or more to the full extent\nnot prohibited by Applicable Law (including the Uniform Commercial Code). You will, on request, take all reasonable actions requested by us to preserve and protect the Goods and our\nsecurity interest in the Goods. You also agree to take all reasonable actions requested by us to establish, determine the priority of, perfect, continue the perfection of, terminate or enforce\nour security interest in the Goods and our rights under this Agreement. In addition to other rights we may have under this Agreement, if you do not make payments as agreed, this\nsecurity interest allows us to take actions not prohibited by Applicable Law governing security interests in the Goods. You also agree to keep the Goods installed at the address you\nPage 3 of 5\n\n\x0cprovided in your credit application and to not remove or alter the Goods without our prior written consent. You may lose the Goods if you do not meet your obligations to us under this\nAgreement.\n13. Default: If you fail to make any payment when due, or if the prospect of your payment, performance, or our realization of collateral is significantly impaired, to the extent not prohibited\nby Applicable Law, and subject to any notice of default and opportunity to cure required by Applicable Law, we may declare the full remaining balance immediately due and payable. We\nmay also repossess any article of merchandise in which we retain a security interest if we do so peacefully and the law allows it. Notwithstanding the preceding provisions, in the event\nof a late payment or nonpayment, we will not declare the full remaining balance immediately due and payable or repossess any article of merchandise if, within ten days of the date on\nwhich the installment was due, we receive payment. If you fail to pay within 10 days of the due date, we may, at our option, declare the full remaining balance immediately due and\npayable, to the extent permitted by Applicable law. Unless we are required by Applicable Law to provide you a notice of default and of a right to cure, you agree that we do not have to\ngive you notice that we intend to demand or are demanding immediate payment of all you owe. If the Account is referred to an attorney who is not our salaried employee and we bring\nsuit against you to collect the amount you owe and we are the prevailing party, you agree to pay our reasonable attorneys\xe2\x80\x99 fees and court costs as not prohibited by Applicable Law. If\nyou successfully assert a partial defense, setoff, recoupment or counterclaim to an action brought by us, the court may withhold from us the entire amount or such portion of the attorney\xe2\x80\x99s\nfees as the court deems appropriate.\n14. Canceling or Reducing Your Credit Limit: We have the right at any time to limit or terminate the use of your Account and raise or lower your credit limit without giving you advance\nnotice. Some purchases will require prior authorization, in which case you may be asked to provide identification. If our authorizations system is unavailable, we may not be able to\nauthorize a transaction, even if you have sufficient credit. We will not be liable to you if this happens. We are not responsible for the refusal of anyone to accept or honor an addition to\nthis Account. In addition, even if you cancel the use of your Account, you are still responsible for any Account balances incurred by an authorized user that remain unpaid.\n15. Change in Terms: You agree that we may amend the terms of this Agreement, subject to any notice required by Applicable Law. To the extent allowed by Applicable Law, any new\nterms may be applied to any balance existing on the Account at the time of the change, as well as subsequent transactions.\n16. No Oral Modifications: You agree that we are not bound by any oral agreements or oral modifications to this Agreement.\n17. Home Sale Disclosure Laws: Home Sale Disclosure laws govern this transaction. The Home Sale Disclosure law applicable to this Agreement is Vt. Stat. Ann. Tit. 9, \xc2\xa7\xc2\xa7 2451-B:1.\net seq.\n18. Delay in Taking Action: We will not lose any of our rights under this Agreement if we delay taking action for any reason. To the extent allowed by law, we may take other action not\ndescribed in this Agreement, and by doing so will not lose our rights under this Agreement.\n19. Severability: If any provision of this Agreement is found to be unenforceable, all other provisions shall remain in full force and effect.\n20. Applicable Law: The law that applies to this Agreement is defined in this Agreement at paragraph 1. Definitions.\n21. Telephone Recording: You understand and agree that for our mutual protection, we may electronically record any of your telephone conversations conducted with Seller or Seller\'s\nassigns, including Preferred Credit, Inc. (PCI), without further notice to the parties to such conversations. These telephone conversations include all conversations between you and\nSeller or Seller\'s assigns communicated via traditional telephone wire and wireless devices such as cordless and cellular phones. You acknowledge and consent to the retention of and\nuse of such recordings by Seller or Seller\'s assigns, their employees, representatives and agents of all information and data obtained in any recorded conversation for purposes of settling\ndisputes as well as for ongoing quality assurance programs.\n22. Communications: You expressly authorize us or our agents to contact you at any phone number (including mobile, cellular/wireless, or similar devices), fax number, email address\nor social media account, you provide at any time, for any lawful purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer),\nprerecorded message, text message, fax, email or post. Phone numbers, fax numbers, email addresses and social media accounts you provide include those you give to us, those from\nwhich you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; account transactions or servicing related\nmatters; suspected fraud or identity theft; collection on the Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you\nmay incur for incoming communications from us or outgoing communications to us, to or from any such number, email address or social media account, without reimbursement from us.\n23. Credit Investigation and Reporting: You agree that we may investigate your credit in connection with the initial extension, review, or collection of your account. You agree that we\nmay examine employment and income records, verify your credit references, and report to credit reporting agencies, merchants, and other creditors the status and payment history of\nyour Account. A negative credit report may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.\nPlease note the following disclosures:\nNOTICE TO CO-SIGNER: YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES\nNOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nYour Billing Rights. Keep This Notice For Future Use. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing\nAct.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at: Preferred Credit, Inc., P.O. Box 1679, St. Cloud, MN 56302.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on the amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with the applicable interest and fees. We will send you a statement of the amount\nyou owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Account Purchases:\nIf you are dissatisfied with the goods or services that you have purchased with your Account and you have tried in good faith to correct the problem with the merchant, you may have the\nright not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your Account for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your account do not qualify.\n3. You must not yet have fully paid for the purchase.\nPage 4 of 5\n\n\x0cIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Preferred Credit, Inc., P.O .Box 1679, St. Cloud, MN 56302.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\nNOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE\nSELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT\nEXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.\n\nREVISED 07-10-2018\nPRINTED 00-00-2018\n\xc2\xa9 1990-2018 Preferred Credit, Inc. ALL RIGHTS RESERVED. Duplication of this document without the copyright owner\xe2\x80\x99s prior written consent is strictly prohibited.\n\nVT04-R\n\nPage 5 of 5\n\n\x0c'


b'CREDIT SALE CONTRACT / SECURITY AGREEMENT\n\nHI22-R\n\nPreferred Credit, Inc. \xe2\x80\x93 628 Roosevelt Road, St. Cloud, MN 56301 ZIP Line: 877-878-1079 Customer Service: 800-972-0825\nIFYOU ARE MARRIED, YOU MAY APPLY FOR CREDITSEPARATELY AS AN INDIVIDUAL.\nTYPE OF CREDIT REQUESTED (CHECK APPROPRIATE BOX):\n\xe2\x9d\x91 INDIVIDUAL \xe2\x80\x93 IN YOUR NAME,RELYING ONYOUR OWN INCOME. COMPLETE BUYERINFORMATION.\n\xe2\x9d\x91 JOINT\xe2\x80\x93 WITHANOTHERPERSON. COMPLETE BUYER AND CO-BUYERINFORMATION.\n\nVerify Customer\xe2\x80\x99s\nGovernment Issued I.D.\nLastName\n\n________________\nAPPLICANT/\nBUYERINITIALS\n\n__________________\nCO-APPLICANT/\nCO-BUYERINITIALS\n\n**** IDENTIFICATION VERIFICATION ****\nApplicant\xe2\x80\x99sDriver\xe2\x80\x99sLicense/I.D.#\n\nState\n\nExpirationDate\n\nCo-Applicant\xe2\x80\x99sDriver\xe2\x80\x99sLicense/I.D.#\n\nState\n\nExpirationDate\n\nFirstName\n\nMiddleInit.\n\n**** APPLICANT INFORMATION ****\nDateofBirth\n\nPhysicalAddress\n\nSocialSecurity#\n\nHomePhone #\n\nCellPhone #\n\nApt./Lot#\n\nCity/State\n\nZIP\n\nPrimaryIncomeType\n\n\xe2\x9d\x91 Full-Time\n\xe2\x9d\x91 Part-Time\n\nPCIConsumerAccountNo.\n\nWE INTEND TO\nAPPLY FOR\nJOINT CREDIT\n\nYearsThere\n\nEmailAddress\nOtherIncomeType(s)(CheckALLthatapply):Alimony, child support and maintenance payments need not be disclosed if you do not wish us to consider them in determining\n\nMonthlyGrossIncome\n\n\xe2\x9d\x91 Self-Employed\n\xe2\x9d\x91 Retired\n\nEmployer/PrimarySourceofIncome\n\nyourcreditworthiness.\n\xe2\x9d\x91 Military Pay Grade _______________________\n\xe2\x9d\x91 Other_________________________________ $ ________________\nYearsThere\n\nJobTitle\n\nEmployerPhone\n\n\xe2\x9d\x91 Full-Time\n\xe2\x9d\x91 Part-Time\n\n\xe2\x9d\x91 Self-Employed\n\xe2\x9d\x91 Retired\n\nBusinessExt. \xe2\x9d\x91 OWNS\n\n\xe2\x9d\x91 RENTS\n\xe2\x9d\x91 OTHER\n\n\xe2\x9d\x91 PROVIDED\nEmployerLocation(City,State)\n\n\xe2\x9d\x91 Military Pay Grade ________________________________\n\xe2\x9d\x91 Other __________________________________________\n\n}\n\n\xe2\x9d\x91 HOUSE\n\xe2\x9d\x91 MOBILE\n\nBank Accounts\nPlease Check ALLthat Apply:\n\nMonthlyGrossOtherIncome\n\n$ ________________\nMonthlyHousingPayment\n\n\xe2\x9d\x91 APT \xe2\x9d\x91 CONDO\n\xe2\x9d\x91 LIVES WITH FAMILY\n\n$ ________________\n\n\xe2\x9d\x91 CHECKING\n\n\xe2\x9d\x91 SAVINGS\n\nCO-APPLICANT INFORMATION: \xe2\x9d\x91 SPOUSE \xe2\x9d\x91 CO-BUYER; RELATIONSHIP: _________________________________________________________\nLastName\n\nFirstName\n\nMiddleInit.\n\nDateofBirth\n\nPhysicalAddress\n\nHomePhone #\n\nCellPhone #\n\nApt./Lot# City/State\n\nPrimaryIncomeType\n\n\xe2\x9d\x91 Full-Time\n\xe2\x9d\x91 Part-Time\n\nHI22-R\n\nSocialSecurity#\n\nEmployer/PrimarySourceofIncome\n\n\xe2\x9d\x91 Military Pay Grade _______________________\nyourcreditworthiness.\n\xe2\x9d\x91 Other_________________________________ $ ________________\nYearsThere\n\nJobTitle\n\nEmployerPhone\n\n\xe2\x9d\x91 Full-Time\n\xe2\x9d\x91 Part-Time\n\n\xe2\x9d\x91 Self-Employed\n\xe2\x9d\x91 Retired\n\nBusinessExt. \xe2\x9d\x91 OWNS\n\n\xe2\x9d\x91 RENTS\n\xe2\x9d\x91 OTHER\n\n\xe2\x9d\x91 PROVIDED\nEmployerLocation(City,State)\n\n\xe2\x9d\x91 Military Pay Grade ________________________________\n\xe2\x9d\x91 Other _________________________________________\n\n}\n\nBank Accounts\nPlease Check ALLthat Apply:\n\n(1) NameofNearestRelativeNotLivingWithYou\n\nCity/State\n\n(2) NameofNearestRelativeNotLivingWithYou\n\nCity/State\n\nYearsThere\n\nOtherIncomeType(s)(CheckALLthatapply):Alimony, child support and maintenance payments need not be disclosed if you do not wish us to consider them in determining\n\nMonthlyGrossIncome\n\n\xe2\x9d\x91 Self-Employed\n\xe2\x9d\x91 Retired\n\nZIP\n\n**** REFERENCES ****\n\n\xe2\x9d\x91 HOUSE\n\xe2\x9d\x91 MOBILE\n\n\xe2\x9d\x91 APT \xe2\x9d\x91 CONDO\n\xe2\x9d\x91 LIVES WITH FAMILY\n\nMonthlyGrossOtherIncome\n\n$ ________________\nMonthlyHousingPayment\n\n$ ________________\n\n\xe2\x9d\x91 CHECKING\n\n\xe2\x9d\x91 SAVINGS\n\nRelative\xe2\x80\x99sPhone\n\nRelationship\n\nRelative\xe2\x80\x99sPhone\n\nRelationship\n\nBy signing below you (a) apply for credit; (b) agree that, to the best of your knowledge, all information contained in the application above is complete and accurate; (c) recognize that we may obtain consumer\nreports on you in connection with your application and may obtain and use subsequent reports in connection with an update, renewal or extension of credit for which you may apply, and other uses not prohibited\nby law; (d) expressly authorize any third party (i.e. creditor, bank, or financial institution, employer, landlord, etc.) to release whatever information that we may request concerning you; (e) agree that we may monitor\nand record telephone calls regarding your account for quality assurance and for other reasons not prohibited by law; (f) expressly consent and agree to us using written, electronic or verbal means to contact you\nas not otherwise prohibited by law including, but not limited to, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails, and/or automatic dialing systems and do so\nusing any email address, or telephone number you provide, now or in the future, including a number for a mobile phone or other wireless device regardless of whether you may incur charges as a result; (g)\nacknowledge that the terms and conditions of this Agreement are subject to credit approval; (h) acknowledge that Interest Charges will be imposed in amounts or rates not in excess of those permitted by law; (i)\nacknowledge this instrument is based upon a home solicitation sale, which is subject to the provisions of the Home Sale Disclosure law set forth under Additional Terms and Disclosures in paragraph 16 \xe2\x80\x9cHome\nSale Disclosure Laws\xe2\x80\x9d; (j) grant us a purchase money security interest in the goods you purchase under this Agreement which are described in any order, invoice or similar document issued by the Seller (as\nprovided below) which becomes part of this Agreement; (k) acknowledge that this instrument is not negotiable; and (l) acknowledge that you are receiving the Credit Sale Contract: Additional Terms and\nDisclosures. The Additional Terms and Disclosures are in effect on the date of execution and incorporated herein.\nNOTICE TO BUYER: Do not sign this contract before you read it. When you sign this contract, you are entitled to a copy Your initial(s) below mean that (a) you have read and understand the\nof it that is filled in, in every necessary respect. You should keep it. This contract is covered by Hawaii\xe2\x80\x99s credit sale law, and terms and conditions as set forth on all 5 pages of this Agreement; (b)\nyou have rights of a buyer under that law. You also may have other rights under other state and federal law. Your you agree to the terms of this Agreement; and (c) you will pay any\nsignatures below mean that you have received a completely filled in copy of this Agreement. Keep this Agreement to advances made under this Agreement according to its terms.\nprotect your legal rights.\nCREDIT SALE CONTRACT\n\nX\n\nDate\n\n/\n\n/\n\nX\n\nDate\n\n/\n\n/\n\nCo-Buyer\xe2\x80\x99sSignature\nSELLER:\nCompanyName:\n\nSALE:\nConsultant:\n\nAddress:\n\nPCIClientNo.:\n\nBuyer\xe2\x80\x99sSignature\n\nBUYERIINITIALS\nSeller\xe2\x80\x99sInitials:\n\nPROMOTIONALCREDITPLAN(ifapplicable):\n\nCO-BUYERIINITIALS\n\nAUTHORIZATION FOR PREAUTHORIZED PAYMENTS\n\nBy signing below, I hereby request and authorize Preferred Credit, Inc. (PCI) to initiate entries to debit my account on the due date for the minimum monthly payment amount shown on my monthly periodic\nstatement of account (or the next business day if the due date falls on a weekend or holiday) and as otherwise described below. This authority is to remain in full force and effect until PCI is paid in full, or PCI has\nreceived written notification of its termination at 628 Roosevelt Road, St. Cloud, MN 56301 or I have notified my financial institution at least three business days before the scheduled payment. In addition to the\npayment amount, I request and authorize PCI to initiate entries to debit my account to collect any incidental fees or charges that may be due on the Agreement following maturity, as permitted by applicable law.\nBank/Financial Institution Name:\nCheckWhichOneApplies:\n\n\xe2\x9d\x91 CHECKING \xe2\x9d\x91 SAVINGS\n\nName (Print):\n\nLocation (City, State, Zip):\nRouting Number:\n\nAccount Number:\nSignature:\nPage 1 of 5\n\n\x0cFACTS\nWhy?\n\nCUSTOMER PRIVACY\n\nWHAT DOES PREFERRED CREDIT, INC. (\xe2\x80\x9cPCI\xe2\x80\x9d) DO WITH YOUR PERSONAL INFORMATION?\n\nRev. 10/19\n\nFinancial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us\nto tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.\nThe types of personal information we collect and share depend on the product or service your have with us. This information can include: (1) Social Security Number and\nWhat?\nincome; (2) account balances and payment history; and (3) credit history and credit scores.\nAll financial companies need to share customers\xe2\x80\x99 personal information to run their everyday business. In the section below, we list the reasons financial companies can share\nHow?\ntheir customers\xe2\x80\x99 personal information; the reasons PCI chooses to share; and whether you can limit this sharing.\nReasons we can share your personal information\nDoes PCI share?\nCan you limit this sharing?\nFor our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court\nYes\nNo\norders and legal investigations, or report to the credit bureaus\nFor our marketing purposes - to offer our products and services to you\nYes\nNo\nFor joint marketing with other financial companies\nNo\nWe don\xe2\x80\x99t share\nFor our affiliates\xe2\x80\x99 everyday business purposes - information about your transactions and experiences\nNo\nWe don\xe2\x80\x99t share\nFor our affiliates\xe2\x80\x99 everyday business purposes - information about your creditworthiness\nNo\nWe don\xe2\x80\x99t share\nFor our affiliates to market to you\nNo\nWe don\xe2\x80\x99t share\nFor nonaffiliates to market to you\nYes\nYes\nTo limit our Complete the opt-out election form below.\nsharing\nPlease note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we\ncontinue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.\nQuestions? Call 320-255-9784 or go to www.preferredcredit.com\n\nWhat we do\n\nHow does PCI protect my personal information? - To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These\nmeasures include computer safeguards and secured files and buildings. We continually evaluate and access new technology for protecting your nonpublic personal information.\nHow does PCI collect my personal information? - We collect personal information, for example, when you (1) apply for financing or give us your contact information; (2) provide account\ninformation or pay your bills; and (3) show your government-issued ID. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\nWhy can\xe2\x80\x99t I limit all sharing? - Federal law gives you the right to limit only (1) sharing for affiliates\xe2\x80\x99 everyday business purposes (i.e. information about your creditworthiness); (2) affiliates\nfrom using your information to market to you; and (3) sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below\nfor more on your rights under state law.\nWhat happens when I limit all sharing for an account I hold jointly with someone else? - Your choices will apply to everyone on your account unless you tell us otherwise.\n\nDefinitions\nAffiliates - Companies related by common ownership or control. They can be financial or nonfinancial companies. PCI does not share with our affiliates.\n\nNonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include direct marketing\ncompanies and the retailer named on your account.\nJoint Marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you. PCI does not jointly market.\n\nOther Important Information\n\nWe follow state law if state law provides you with additional privacy protections.\nMark if you wish to limit how we share your personal information with nonaffiliates:\nApplicant Co-Applicant\n\xe2\x9d\x91\n\xe2\x9d\x91\nDo not share my personal information with nonaffiliates to market their products and services to me.\nAssignment by Seller: For Value Received: Seller sells and assigns this Retail Charge Agreement (the \xe2\x80\x9cAgreement\xe2\x80\x9d) to Preferred Credit, Inc., 628 Roosevelt Road, St. Cloud, MN 56301, the assignee, its\nsuccessors and assigns, including all of Seller\xe2\x80\x99s rights, title, and interest in this Agreement. Assignee has full power to take all legal and other actions, which Seller could have taken under this Agreement.\nThe undersigned acknowledges that this Assignment incorporates by reference the terms of the Finance Agreement between the undersigned and Preferred Credit, Inc. including but not limited to the\nrepresentations, warranties, liabilities, conditions and obligations of the undersigned contained therein.\n\nOpt-out\nElection\n\n(Corporate, Firm or Trade Name of Seller)\n(Owner, Officer or Firm Member)\n\nTHIS DOCUMENT IS SUBJECT TO A SECURITY INTEREST IN FAVOR OF US BANK NATIONAL ASSOCIATION.\n\nREVISED 10-01-2019\nPRINTED 00-00-2019\n\xc2\xa9 1990-2019 Preferred Credit, Inc. ALL RIGHTS RESERVED. Duplication of this document without the copyright owner\xe2\x80\x99s prior written consent is strictly prohibited.\n\nHI22-R\n\nPage 2 of 5\n\n\x0cCREDIT SALE CONTRACT: ADDITIONAL TERMS AND DISCLOSURES\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal\nlaw requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will\nask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver\'s license or other identifying documents.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nHow to Avoid Paying Interest\n\nMinimum Interest Charge\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nFees\n\n19%. See your account agreement for more details.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your\nentire balance by the due date each month.\nNo Minimum Interest Charge.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nTransaction Fees\nNone.\nPenalty Fees\nUp to $35. See your account agreement for more details.\n\xe2\x80\xa2 Late Payment\nUp to $30. See your account agreement for more details.\n\xe2\x80\xa2 Return Payment\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance (including new purchases).\xe2\x80\x9d See your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n1. Definitions: In this Credit Sale Contract ("Agreement"): The word "Account" refers to the account that is established with the Seller, and their successors or assigns, that is the subject of\nthis Agreement. The words "you" and "your" refer to each individual who signs the Application for the Account, and who is authorized to use the Account. The words "we," \xe2\x80\x9cus\xe2\x80\x9d and "our" refer\nto the Seller, and any assignee of the Seller. The words \xe2\x80\x9cAcceptable Documentation\xe2\x80\x9d shall refer to Purchase Orders, phone orders, or orders from our website, so long as such orders are\nsigned (physically or electronically) or otherwise verbally or electronically authenticated. The words "Applicable Law" shall mean federal law and the laws of the state of Hawaii. You and we\nagree that these Applicable Laws apply to this Agreement. The words \xe2\x80\x9cPurchase Order\xe2\x80\x9d refer to the document describing the type, quantity and agreed price of merchandise you buy from the\nSeller.\n2. Account: This Agreement applies to your retail charge purchase of goods and services from us. The amount of your initial purchase from Seller will govern the amount of the initial credit\nlimit on your Account, which will be set at a higher amount than the cost of the goods purchased based on our expectation that you will use the Account to make additional purchases. You\nmay make add-on purchases from the Seller or Seller\'s assigns which will be evidenced by Acceptable Documentation. Acceptable Documentation must provide the cash price of the\nmerchandise purchased. By signing future Acceptable Documentation you agree those purchases thereby confirmed will be subject to this Agreement. You agree that add-on orders which\nexceed the credit limit established with your initial order are subject to credit approval. We reserve the right to deny authorization for any requested credit limit increase.\n3. Promise to Pay: In return for extending credit to you on this Account from time to time, each of you agrees to pay for all purchases any of you charge on this Account, and all other charges\nmentioned below, according to the terms of this Agreement. When you sign the Application for this Account, you will be agreeing to the terms and conditions in this Agreement, which include\nthe cost of credit disclosures required by Applicable Law. This Agreement will not be effective until we approve your Application, and we or our assignee provides any disclosures required by\nthe Federal Truth in Lending Act, and then, after that, only if you or someone authorized by you sign a Purchase Order or otherwise charge a purchase to this Account.\n4. Billing: You will be billed monthly for credit purchases from us, as shown on a Purchase Order signed by you (or completed at your direction), and for any previous unpaid balance as\nrequired by Applicable Law. You will receive a monthly periodic statement of account for any month in which you have an outstanding balance of more than $1.00 or on which an Interest\nCharge has been imposed. Your monthly periodic statement of account will show your new unpaid balance, any new purchases you have made since your last monthly periodic statement of\naccount, and your Minimum Monthly Payment. Your credit limit will also be shown on your monthly periodic statement of account.\n5. Payment: You have the right to pay your entire balance in full or more than the Minimum Monthly Payment at any time. Otherwise, you agree to pay at least the Minimum Monthly\nPayment, which includes Interest Charges. You must make payment in U.S. Dollars, with a draft, money order, or check drawn on a U.S. Bank or the U.S. Post Office. We may accept late\npayment, partial payments, or any payments marked "payment in full," without losing any of our rights under this Agreement or Applicable Law.\n6. Interest Charges: Unless you are offered a Promotional Credit Plan as described below, and as not prohibited by Applicable Law, Interest Charges will begin to accrue upon delivery of the\nmerchandise you purchase. Delivery occurs upon the earlier of the date of shipment of the merchandise, or the date of hand delivery of the merchandise. No Interest Charges will be imposed\non new purchases, however, if: (a) there was no outstanding balance under your Account at the beginning of the billing period in which the purchase was made (which includes the period in\nwhich you make your initial purchase of merchandise under this Agreement), and (b) you pay off your Account in full by the payment due date reflected in the monthly periodic statement of\naccount for that billing period (though no payment may be due). We figure the Interest Charge on your Account by applying the daily periodic rate to the \xe2\x80\x9cdaily balance\xe2\x80\x9d of your account for each\nday in the billing cycle. To determine the daily balance, we take the beginning balance each day, add any new charges posted that day, and subtract any payments and credits posted that\nday. This gives us the daily balance. Then, we calculate the amount of interest charged by multiplying the applicable daily periodic rate by each daily balance on your account. Your Interest\nCharge for the billing cycle is the sum of the interest amounts that were charged each day during the billing cycle. Your daily periodic rate and the corresponding Annual Percentage Rate are\nindicated in the chart below. The daily periodic rate will be the annual rate divided by 365 (366 in a leap year).\nApplicable\nDaily\nCorresponding\nLaw\nPeriodic Rate\nANNUAL PERCENTAGE RATE\nHI\n0.0521%\n19%\nNotwithstanding the above, if we receive payment in full of the outstanding balance of your Account, as shown on the billing statement, within 25 days after the end of that billing period,\nwe will not impose Interest Charges for the current billing period.\n7. Minimum Monthly Payment: You will make payments of at least the total Minimum Monthly Payment each month as required by our monthly periodic statements of account. Your total\nMinimum Monthly Payment will consist of: (1) any past due amounts, and (2) a regularly scheduled Minimum Monthly Payment. The regularly scheduled Minimum Monthly Payment will be\nequal to the greater of: (a) the regularly scheduled Minimum Monthly Payment shown on your Purchase Order; (b) $25.00; or (c) 3.00% of the Account balance immediately following the first\nor any subsequent purchase on your Account.\n8. Promotional Credit Plans: In addition to purchases that accrue Interest Charges and require monthly payments as described previously in this Agreement, as part of this Account,\nPromotional Credit Plans may be offered from time to time on specific additional purchases for qualified buyers. Purchases made under these Promotional Credit Plans may have different\ninterest charge calculations and required minimum payments. A Promotional Credit Plan is strictly limited by its terms and the terms and conditions of the special promotion to which it relates.\nIn addition, the benefits of a Promotional Credit Plan will expire and all accrued Interest Charges in these plans will be added to your Account if you fail to pay the promotional balance by the\nend of the promotional period or you are in default for a period of 60 or more days during the promotional period. The special promotions that may be offered include:\n8.a. Same as Cash Plan: If you pay the full purchase price before the expiration date of a Same as Cash Plan, as indicated on your monthly billing statement, and pay the Minimum Monthly\nPayment each billing period when due, no Interest Charges will be imposed on the purchase. If such payments are not made, Interest Charges from the date of delivery will be added to your\nAccount either when you fail to make a payment within 60 days of the due date or, at the end of the Same as Cash Plan period if any portion of the promotional balance remains outstanding.\n8.a.1. How Payments Are Applied When Same as Cash Plan Is In Effect: Unless otherwise required by Applicable Law, during the two billing cycles immediately preceding expiration of\nthe Same as Cash Plan period, any amount paid in excess of the minimum payment due will be allocated first to the balance subject to the Same as Cash Plan and any remaining portion to\nany other balances. We may offer Same as Cash Plan periods of 6 months, 9 months, 12 months or of different lengths that we will announce from time to time.\n9. Application of Payments: Unless otherwise required by Applicable Law, payments except down payments, shall be applied first to past due Minimum Monthly Payments, beginning with\nthe oldest, then to the current Minimum Monthly Payment, and then to other unpaid late fees, costs and fees arising under this Agreement.\n10. Other Charges:\n10.a. Late Fees: You will pay the maximum late fee allowed (which you agree we will add to the balance due on your Account) for payments not made on time, calculated as Applicable Law\nallows. The statutory time period for imposition of a Late Fee is 10 days after the due date (\xe2\x80\x9cDue Date\xe2\x80\x99) for each payment not received on the scheduled Due Date. Currently, the maximum\nlate fee allowed is 5% of each delinquent installment or $50, whichever is less. Notwithstanding the preceding, if the late fee as calculated in the preceding sentence would exceed $25, you\nwill not be charged more than $25 for the first violation, or $35 for any violation occurring within six billing cycles of a previous late payment. In addition, you will not be charged more than the\namount of the required minimum periodic payment due immediately prior to the assessment of the late payment fee.\n10.b. Returned Check Charge: You will pay a returned check charge (which you agree we will add to the balance due on your Account) if any check, negotiable order of withdrawal,\nshare draft, or item you give us for payment under the Agreement is dishonored for any reason by the bank or other institution on which it is drawn. We will impose the maximum returned\nPage 3 of 5\n\n\x0ccheck charge as Applicable Law allows. Currently, that amount is $30. Notwithstanding the preceding, you will not be charged more than $25 for the first violation, or $30 for any violation\noccurring within six billing cycles of a previously dishonored payment. In addition, you will not be charged more than the amount of the required minimum periodic payment due immediately\nprior to the date on which the payment is returned or otherwise dishonored.\n10.c. Phone Payment Processing Fee: You will pay the current phone payment processing fee (which you agree we will add to the balance due on your Account) for each expedited payment\nyou make by phone. The current phone payment processing fee is $11.75.\n11. Security Agreement: You grant us a purchase money security interest in each household good purchased with this Account (\xe2\x80\x9cGoods\xe2\x80\x9d) to the full extent not prohibited by Applicable Law\n(including the Uniform Commercial Code). You will, on request, take all reasonable actions requested by us to preserve and protect the Goods and our security interest in the Goods. You also\nagree to take all reasonable actions requested by us to establish, determine the priority of, perfect, continue the perfection of, terminate or enforce our security interest in the Goods and our\nrights under this Agreement. In addition to other rights we may have under this Agreement, if you do not make payments as agreed, this security interest allows us to take actions not prohibited\nby Applicable Law governing security interests in the Goods. You also agree to keep the Goods installed at the address you provided in your credit application and to not remove or alter the\nGoods without our prior written consent. You may lose the Goods if you do not meet your obligations to us under this Agreement.\n12. Default: If you fail to make any payment when due, or if the prospect of your payment, performance, or our realization of collateral is significantly impaired, to the extent not prohibited by\nApplicable Law, and subject to any notice required by Applicable Law, we may declare the full remaining balance immediately due and payable. We may also repossess any article of\nmerchandise in which we retain a security interest if we do so peacefully and the law allows it. Notwithstanding the preceding provisions, in the event of a late payment or nonpayment, we will\nnot declare the full remaining balance immediately due and payable or repossess any article of merchandise if, within ten days of the date on which the installment was due, we receive\npayment together with any late fees. If you fail to pay within 10 days of the due date, we may, at our option, declare the full remaining balance immediately due and payable, to the extent\npermitted by Applicable Law. Unless we are required by Applicable Law to provide you a notice of a right to cure, you agree that we do not have to give you notice that we intend to demand\nor are demanding immediate payment of all you owe. If the Account is referred to an attorney who is not our salaried employee and we bring suit against you to collect the amount you owe\nand we are the prevailing party, you agree to pay our reasonable attorneys\xe2\x80\x99 fees and court costs as not prohibited by Applicable Law. You also agree to pay our permitted collection costs and\ncosts incurred in taking the collateral, holding it, preparing it for sale, and selling it, as not prohibited by Applicable Law.\n13. Canceling or Reducing Your Credit Limit: We have the right at any time to limit or terminate the use of your Account and raise or lower your credit limit without giving you advance\nnotice. Some purchases will require prior authorization, in which case you may be asked to provide identification. If our authorizations system is unavailable, we may not be able to authorize\na transaction, even if you have sufficient credit. We will not be liable to you if this happens. We are not responsible for the refusal of anyone to accept or honor an addition to this Account. In\naddition, even if you cancel the use of your Account, you are still responsible for any Account balances incurred by an authorized user that remain unpaid.\n14. Change in Terms: You agree that we may amend the terms of this Agreement, subject to any notice required by Applicable Law. To the extent allowed by Applicable Law, any new terms\nmay be applied to any balance existing on the Account at the time of the change, as well as subsequent transactions.\n15. No Oral Modifications: You agree that we are not bound by any oral agreements or oral modifications to this Agreement.\n16. Home Sale Disclosure Laws: Home Sale Disclosure laws govern this transaction. The Home Sale Disclosure law applicable to this Agreement is Haw. Rev. Stat. \xc2\xa7\xc2\xa7481C-1\net seq.\n17. Delay in Taking Action: We will not lose any of our rights under this Agreement if we delay taking action for any reason. To the extent not prohibited by law, we may take other action not\ndescribed in this Agreement, and by doing so will not lose our rights under this Agreement.\n18. Severability: If any provision of this Agreement is found to be unenforceable, all other provisions shall remain in full force and effect.\n19. Applicable Law: The law that applies to this Agreement is defined in this Agreement at paragraph 1. Definitions.\n20. Telephone Recording: You understand and agree that for our mutual protection, we may electronically record any of your telephone conversations conducted with Seller or Seller\'s\nassigns, including Preferred Credit, Inc. (PCI), without further notice to the parties to such conversations. These telephone conversations include all conversations between you and Seller or\nSeller\'s assigns communicated via traditional telephone wire and wireless devices such as cordless and cellular phones. You acknowledge and consent to the retention of and use of such\nrecordings by Seller or Seller\'s assigns, their employees, representatives and agents of all information and data obtained in any recorded conversation for purposes of settling disputes as well\nas for ongoing quality assurance programs.\n21. Communications: You expressly authorize us or our agents to contact you at any phone number (including mobile, cellular/wireless, or similar devices), fax number, or email address,\nyou provide at any time, for any lawful purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text\nmessage, fax, or email. Such lawful purposes include, but are not limited to: obtaining information; account transactions or servicing-related matters; suspected fraud or identity theft; collection\non the Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing\ncommunications to us, to or from any such number, or email address, without reimbursement from us.\n22. Credit Investigation and Reporting: You agree that we may investigate your credit in connection with the initial extension, review, or collection of your Account. You agree that we may\nexamine employment and income records, verify your credit references, and report to credit reporting agencies, merchants, and other creditors the status and payment history of your Account.\nA negative credit report may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.\nARBITRATION PROVISION\nThis Arbitration Provision significantly affects your rights in any dispute with us. Please read this Arbitration Provision carefully before you sign it.\n1. EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN US DECIDED BY ARBITRATION AND NOT IN COURT.\n2. IF A DISPUTE IS ARBITRATED, YOU AND WE WILL EACH GIVE UP OUR RIGHT TO A TRIAL BY THE COURT OR A JURY TRIAL.\n3. IF A DISPUTE IS ARBITRATED, YOU WILL GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM\nYOU MAY HAVE AGAINST US.\n4. THE INFORMATION YOU AND WE MAY OBTAIN IN DISCOVERY FROM EACH OTHER IN ARBITRATION IS GENERALLY MORE LIMITED THAN IN A LAWSUIT.\n5. OTHER RIGHTS THAT YOU AND WE WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION.\n6. EVEN IF A DISPUTE IS ARBITRATED, WE CAN STILL REPOSSESS YOUR MERCHANDISE IF YOU DO NOT HONOR YOUR AGREEMENT AND YOU OR WE MAY SEEK\nPROVISIONAL REMEDIES FROM A COURT.\nAny claim or dispute, whether in contract, tort or otherwise (including the interpretation and scope of this clause and the arbitrability of any issue), between you and us or our employees,\nagents, successors or assigns, which arises out of or relates in any manner to the purchase and financing of the merchandise under the Agreement or any resulting transaction or\nrelationship (including any such relationship with third parties who do not sign the Agreement) shall, at your or our election (or the election of any such third party), be resolved by neutral,\nbinding arbitration and not by a court action. Any claim or dispute is to be arbitrated on an individual basis and not as a class action, and you expressly waive any right you may have\nto arbitrate a class action (this is called the "class action waiver"). You may choose the applicable rules of either the American Arbitration Association (1-800-778-7879), JAMS\n(800-352-5267) or any other nationally recognized arbitration organization, subject to our approval, and if the arbitration organization selected by you is unwilling to serve, we shall select\nthe arbitration organization. We waive the right to require you to arbitrate an individual (as opposed to a class) claim if the amount you seek to recover, including attorneys\' fees and\nexpenses, is less than $7,500 or the maximum jurisdiction the venue of a state court providing for the resolution of small claims. You may obtain a copy of the rules of these organizations\nby calling the numbers indicated or by visiting their web sites.\nThe arbitrators shall be attorneys or retired judges and shall be selected in accordance with the applicable rules. The arbitration award shall be in writing, but without a supporting opinion.\nThe arbitration hearing shall be conducted in the federal district in which you reside. If you demand arbitration first, you will pay one half of any arbitration filing fee. We will pay the rest\nof the filing fee, and the whole filing fee if we demand arbitration first or if the arbitrator determines that applicable law requires us to do so or that you are unable to do so or that we must\ndo so in order for this Arbitration Provision to be enforceable. We will pay the arbitration costs and fees for the first day of arbitration, up to a maximum of eight hours. We will also pay\nany fees and charges that the arbitrator determines that we must pay in order to assure that this Arbitration Provision is enforceable. The arbitrator shall decide who shall\npay any additional costs and fees.\nThe arbitrator\'s award shall be final and binding on all parties, except in the event where either there is a \xe2\x80\x9ctake nothing\xe2\x80\x9d award or the award is in excess of $100,000 either party may\nrequest a new arbitration under the rules of the arbitration organization by a three-arbitrator panel.\nThis Arbitration Provision relates to a contract that evidences a transaction involving interstate commerce. Any arbitration under this Arbitration Provision shall be governed by the\nFederal Arbitration Act (9 U.S.C. \xc2\xa7\xc2\xa7 1 et seq.). If a court should determine that the transaction did not involve interstate commerce, the parties agree that this Arbitration Provision shall\nbe governed by state law.\nIf any part of this Arbitration Provision other than the Class Action Waiver is found by a court or arbitrator to be unenforceable, the remainder shall be enforceable. This Arbitration\nProvision shall survive the termination of any contractual agreement between you and us, whether by default or repayment in full.\nPage 4 of 5\n\n\x0cYou may elect to opt-out of the arbitration provision only by notifying us in writing at 628 Roosevelt Road, St. Cloud, MN 56301 within 30 days from the date in which you signed this\nAgreement, and including in the notice your name, address and account number and a clear statement that you do not wish to resolve disputes through arbitration. No one else may\nsign the rejection notice for you. Your rejection notice also must not be sent with any other correspondence. Rejection of arbitration will not affect your other rights or responsibilities\nunder this Agreement. If you reject arbitration, neither you nor we will be subject to the arbitration provisions for this Agreement. Rejection of arbitration for this Agreement will not\nconstitute rejection of any prior or future arbitration provision between you and us.\nYour Billing Rights. Keep This Notice For Future Use. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at: Preferred Credit, Inc., 628 Roosevelt Road, St. Cloud, MN 56301.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on the amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with the applicable interest and fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without\nalso reporting that you are questioning your bill. We must tell you the name or anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has\nbeen settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Account Purchases:\nIf you are dissatisfied with the goods or services that you have purchased with your Account, and you have tried in good faith to correct the problem with the merchant, you may have the right\nnot to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither\nof these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your Account for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Preferred Credit, Inc., 628 Roosevelt Road, St. Cloud, MN 56301.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\nNOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE\nSELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED\nAMOUNTS PAID BY THE DEBTOR HEREUNDER.\n\nREVISED 10-01-2019\nPRINTED 00-00-2019\n\xc2\xa9 1990-2019 Preferred Credit, Inc. ALL RIGHTS RESERVED. Duplication of this document without the copyright owner\xe2\x80\x99s prior written consent is strictly prohibited.\n\nHI22-R\n\nPage 5 of 5\n\n\x0c'