Account Specialist Basics
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      Loan Products

      Table of Contents
      1. Same-As-Cash, No Payments
        1. PD-NN-06-04
        2. PD-NN-12-04 B
        3. PD-NN-18-04
        4. PD-NN-24-04
      2. Same-As-Cash, Interest Only Payments
        1. PD-NY-06-04
        2. PD-NY-12-04
        3. PD-NY-18-04
        4. PD-NY-24-04
      3. Fixed, Low Rate (3-year term)
        1. FR-0299-03
        2. FR-0599-03
        3. FR-0899-03
      4. Fixed, Low Rate (5-year term)
        1. FR-0299-05
        2. FR-0599-05 B
        3. FR-0899-05
      5. Fixed, Low Rate (7-year term)
        1. FR-0299-07
        2. FR-0599-07
        3. FR-0899-07
      6. Fixed, Low Rate (10-year term)
        1. FR-0299-10
        2. FR-0599-10
        3. FR-0899-10
      7. Guaranteed Monthly Payments
        1. PMT-200 B
        2. PMT-250
        3. PMT-300
      8. Zero Interest Loan
        1. ZIL-24
        2. ZIL-36
        3. ZIL-60
      9. Fixed Rate, Risked Based
        1. FR-RBP-05
        2. FR-RBP-07

       

      Same as Cash, No Payments:

      Product Family Description:
      Depending on the product, the consumer has between 6 and 24 months Same-As-Cash promotion followed by 48 months of amortization with fixed, risk-based APR between
      14.99% and 23.99%. Purchase Window open for 5 months. No payments are assessed during promotion starting at approval, but interest is accruing; interest will be reversed if
      loan is paid off by promotion expiration.

      Key Points:
      • Promotion: 6-24 months Same-As-Cash Promotion starting at approval; No Payments are assessed during the promotion, but interest is accruing
      • If the spend on the loan is paid back before the promotion expires, all interest and fees will be reversed
      • If the loan is not paid off in promotion, installment payments begin based on risk-based APR between 14.99% and 23.99% for the remaining life of the loan
      • Total Loan Term is 54-72 months

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      PD-NN-06-04:

      Consumer APR Loan Term Promotional Period Amortization
      Period
      14.99% - 23.99%  ,  54 Months 6 Months no payments, deferred interest 48 months

      PD-NN-18-04 B:

      Consumer APR Loan Term Promotional Period Amortization
      Period
      14.99% - 23.99% 60 Months 12 Months no payments, deferred interest 48 months

      PD-NN-18-04

      Consumer APR Loan Term Promotional Period Amortization
      Period
      14.99% - 23.99% 66 Months 18 Months no payments, deferred interest 48 months

      PD-NN-24-04

      Consumer APR Loan Term Promotional Period Amortization
      Period
      14.99% - 23.99% 72 Months 24 Months no payments, deferred interest 48 Months

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      Same as Cash, Interest Only Payment:

      Product Family Description
      Depending on the product, the consumer has between 6 and 24 months Same-As-Cash promotion followed by 48 months of amortization with fixed, risk-based APR between
      14.99% and 23.99%. Purchase Window open for 5 months. Interest-only payments are assessed during promotion starting at approval, but interest will be reversed if loan is paid
      off by promotion expiration.

      Key Points:
      • Promotion: 6-24 months Same-As-Cash Promotion starting at approval; Interest accrues during the promotion but, If you pay back what you spent during your purchase
      window before the promotion expires, all interest and fees will be reversed
      • Payments are assessed during the promotion in the amount of the interest that is accruing. If you pay back what you spent during your purchase window before the
      promotion expires, these payments count toward principal.
      • If the loan is not paid off in promotion, installment payments begin based on risk-based APR between 14.99% and 23.99% for the remaining life of the loan
      • Total Loan Term is 54-72 months

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      PD-NY-06-04:

      Consumer APR Loan Term Promotional Period Amortization
      Period
      14.99% - 23.99% 54 Months 6 Months deferred interest 48 months

      PD-NY-12-04:

      Consumer APR Loan Term Promotional Period Amortization
      Period
      14.99% - 23.99% 60 Months 12 Months deferred interest 48 months

      PD-NY-18-04:

      Consumer APR Loan Term Promotional Period Amortization
      Period
      14.99% - 23.99% 66 Months 18 Months deferred interest 48 months

      PD-NY-24-04:

      Consumer APR Loan Term Promotional Period Amortization
      Period
      14.99% - 23.99% 72 Months 24 Months deferred interest 48 months

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      Fixed Low-Rate (3 Year):

      Product Family Description
      Depending on product, the consumer has 36 statement amortizing loan with low, fixed rate between 2.99% - 8.99%. Purchase Window open for 5 months. Up to 5 interest-only
      payments followed by 31 amortizing payments starting at approval.

      Key Points:
      • Promotion: Standard Installment loan with fixed, low-rate between 2.99% - 8.99%
      • Purchase window open for the first 5 months after approval
      • Interest Only Payments are assessed during the purchase window
      • After the purchase window closes, the loan converts to an amortizing installment loan.
      • Total Term is 36 months

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      FR-0299-03:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      2.99% 36 Months 5 Months 31 Months

       

      FR-0599-03:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      5.99% 36 Months 5 Months 31 Months

       

      FR-0899-03:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      8.99% 36 Months 5 Months 31 Months

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      Fixed Low-Rate (5 Year):

      Product Family Description
      Depending on product, the consumer has 60 statement amortizing loan with low, fixed rate between 2.99% - 8.99%. Purchase Window open for 5 months. Up to 5 interest-only
      payments followed by 55 amortizing payments starting at approval.

      Key Points:
      • Promotion: Standard Installment loan with fixed, low-rate between 2.99% - 8.99%
      • Purchase window open for the first 5 months after approval
      • Interest Only Payments are assessed during the purchase window
      • After the purchase window closes, the loan converts to an amortizing installment loan.
      • Total Term is 60 months

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      FR-0299-05:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      2.99% 60 Months 5 Months 55 Months

       

      FR-0599-05 B:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      5.99% 60 Months 5 Months 55 Months

       

      FR-0899-05:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      8.99% 60 Months 5 Months 55 Months

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      Fixed Low-Rate (7 Year):

      Product Family Description

      Depending on product, the consumer has 84 statement amortizing loan with low, fixed rate between 2.99% - 8.99%. Purchase Window open for 5 months. Up to 5 interest-only
      payments followed by 79 amortizing payments starting at approval.

      Key Points:
      • Promotion: Standard Installment loan with fixed, low-rate between 2.99% - 8.99%
      • Purchase window open for the first 5 months after approval
      • Interest Only Payments are assessed during the purchase window
      • After the purchase window closes, the loan converts to an amortizing installment loan.
      • Total Term is 84 months

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       FR-0299-07:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      2.99% 84 Months 5 Months 79 Months

      FR-0599-07:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      5.99% 84 Months 5 Months 79 Months

      FR-0899-07:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      8.99% 84 Months 5 Months 79 Months

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      Fixed Low-Rate (10 Year):

      Product Family Description

      Depending on product, the consumer has120 statement amortizing loan with low, fixed rate between 2.99% - 8.99%. Purchase Window open for 5 months. Up to 5 interest-only
      payments followed by 115 amortizing payments starting at approval.

      Key Points:
      • Promotion: Standard Installment loan with fixed, low-rate between 2.99% - 8.99%
      • Purchase window open for the first 5 months after approval
      • Interest Only Payments are assessed during the purchase window
      • After the purchase window closes, the loan converts to an amortizing installment loan.
      • Total Term is 120 months

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      FR-0299-10:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      2.99% 120 Months 5 Months 115 Months

      FR-0599-10:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      5.99% 120 Months 5 Months 115 Months

      FR-0899-10:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      8.99% 120 Months 5 Months 115 Months

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      Guaranteed Monthly Payment:

      Product Family Description

      Depending on product, the consumer monthly payment is guaranteed to be between 2.00% and 3.00% of spend with fixed, risk-based APR between 3.99% and 21.36% and term
      between 41 and 120 months. Purchase Window open for 5 months. Up to 5 interest-only payments followed by 36-115 amortizing payments starting at approval.

      Key Points:
      • Promotion: Guaranteed to be between 2.00% and 3.00% of spend monthly payment starting after purchase window closes
      • APR is assigned by risk between 3.99% and 21.36%
      • After APR is assigned, term is adjusted to guarantee monthly payment amount between 36 and 115 months
      • Purchase window open for the first 5 months after approval
      • Interest Only Payments are assessed during the purchase window
      • After the purchase window closes, the loan converts to an amortizing installment loan

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      PMT-200 B:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      3.99% to 20.61% 60-120 5 Months 55-115 months

      PMT-250:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      3.99% to 21.18% 48-75 5 Months 43-70 months

      PMT-300:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      3.99% to 21.36% 41-56 5 Months 36-51 months

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      Zero Interest Loan(ZIL):

      Product Family Description

      Depending on the product, the consumer has between 24 and 60 months of a principal-only amortizing loan. Purchase window open for 5 months. Up to 5 fixed payments during
      the purchase window at 1% of spend. Remaining balance is amortized at 0% for the remaining term. Customer will only be responsible for paying back what is spent during the
      purchase window in addition to any fees that might incur.

      Key Points:
      • Promotion: 0% APR for the life of the loan
      • Purchase window open for the first 5 months after approval
      • Payments of 1% of total spend to date are assessed during the purchase window
      • After the purchase window closes, the loan converts to an amortizing installment loan
      • Total Term is 24-60 months

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      ZIL-24:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      0.00% 24 Months 5 Months of up to 5 fixed payments at 1% of spend 19

      ZIL-36:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      0.00% 36 Months 5 Months of up to 5 fixed payments at 1% of spend 31

      ZIL-60:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      0.00% 60 Months 5 Months of up to 5 fixed payments at 1% of spend 55

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      Fixed Rate, Risk-Based Pricing:

      Product Family Description

      60 statement amortizing loan with fixed, risk-based APR between 9.99% and 23.99%. Purchase Window open for 5 months. Up to 5 interest-only payments followed by 55 or 79
      amortizing payments starting at approval.

      Key Points:
      • Standard Installment loan with a risk-based APR between 9.99% and 23.99%
      • Purchase window open for the first 5 months after approval
      • Interest Only Payments are assessed during the purchase window
      • After the purchase window closes, the loan converts to an amortizing installment loan.
      • Total Term is 60 - 84 months

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      FR-RBP-05:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      9.99%-23.99% 60 Months 5 Months 55 months

      FR-RBP-07:

      Consumer APR Loan Term Interest-Only Period Amortization
      Period
      9.99%-23.99% 84 Months 5 Months 79 months

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