JOANNA CHEST

FLEXIBLE FINANCING DETAILS

**Subject to your credit approval. Total purchase includes taxes, delivery charges where applicable, and an administration fee of $59.95 for a one year promotional period with monthly payments and $99.95 for a two year promotional period with monthly payments. A one year deferred payment promotional period plan has an admin fee of $99.95, a two year deferred promotional period has an admin fee of $169.95 and a 50 month defered payment promotional period plan has an admin fee of $199.95.

Conditions apply. 

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** 50 MONTHS TO PAY On approved credit (O.A.C.). Total purchase includes taxes, delivery charges, where applicable, and a $199.95 administration fee. Electronics are subject to an environmental fee. The first minimum monthly payment is due 30 days from date of delivery. A monthly payment will be charged to you each month through the 50-month promotional interest-free period (49 equal monthly payments plus one final monthly payment totalling the purchase price, delivery and environmental fees, if applicable, and $199.95 administration fee). Payment in full of each monthly payment must be made on or before each monthly due date. Custom orders require a 20% non-refundable deposit, payable at the time of purchase. If the balance is not paid in full by the end of the promotional period, then the remaining balance plus interest at an annual rate of 29.90% on the remaining balance will be due at the end of the contract term.

For No Interest, No Payment Plans: No payments are required to be made toward the purchase during the promotional period except for taxes which are due at time of purchase. Interest will be charged after the interest free period at an interest rate of 29.99% during the contract term.

For example, a No Payment No Interest 2 Year Promotional Period:  Contract term of 36 months with an administration fee of $169.95. No payments are required to be made towards the purchase during the 2-year promotional period other than the taxes at point of purchase. At the end of the 2-year promotional period, if the outstanding balance is not paid in full, the outstanding balance, and interest charged for the remainder of the contract term will be charged at an interest rate 29.99%, and will be evenly divided into monthly payments for the remainder of the contract term.  For example, a $1000 financed with a $169.95 administration fee if paid in full on or before the end of the 2 year promotional No Payments, No Interest period, the total paid would be $1169.95. If this amount was not paid in full on or before the end of the 2 year promotional No Payments, No Interest period, 12 monthly payments of $105.00 and 1 final payment $109.70 would be charged. Total A.P.R., including potential interest and administrative fee for the entire contract term would be 12.6% if a balance were owed the entire contract term.

For No Interest, Equal Monthly Payment Plans - The first monthly payment is due 30 days from date of delivery. Monthly payments will be charged to you each month during the promotional period. Payment in full of each monthly payment must be made on or before the monthly due date. The remaining balance, if any, after the interest free period will be refinanced at an interest rate of 29.99%. 

 For example, an Equal Payment Example for No Interest 3 Year Promotional Period: Contract term of 36 months with an administration fee of $129.95. Monthly payments will be charged to you each month during the 36-month promotional period. For example, on a $1000 purchase with a $129.95 administration fee the total financed amount would be $1129.95 which is 35 monthly payments of $31 and one final payment of $44.95. Total A.P.R., including the administrative fee of $129.95 would be 5%.