Write the next sentence in this paragraph:

How to buy on credit without a credit card
Sign a reverse layaway (tm) agreement.
This involves a commitment on your end to make payments as agreed upon in a contract. Additionally, these payments are usually guaranteed by some form of collateral, such as pre-written checks.

pick from the following.
--The lender will always lower the amount between payments (80 %) by making payments from the reverse layaway agreement. The arrangement also gives the buyer a secure incentive to accept payment from the reverse layaway agreement.;
--Because reverse layaway agreements don't state how much a personal loan means to a lender, you may not be able to use them when buying a home. The fact that an tm agreement does not state its purpose is questionable.;
--This gives the other party a good chance to match you in your level of collateral. Assign responsibilities to the guarantor.;
--This is how you buy on credit using the reverse layaway (tm) process : Find a retailer or service provider that offers the reverse layaway (tm) program. Complete the retailer's reverse layaway (tm) form.;
This is how you buy on credit using the reverse layaway (tm) process : Find a retailer or service provider that offers the reverse layaway (tm) program. Complete the retailer's reverse layaway (tm) form.