Disclosure of RC Willey Finance Plans

Below is a description of our financing plans.
(All financing is subject to RC Willey credit approval. Some restrictions apply.)

Regular Day to Day Plans

REG21 — REGULAR REVOLVING ACCOUNT: Revolving plan. APR 21% (1.75% monthly). Interest accrues on the average daily balance from the "invoiced" date or date the charge was debited to the account. A minimum payment of $15 or 3%, (4% with Credit Protection) whichever is greater, is required each month. Payments are calculated on the ending balance of the account when a new purchase or charge has been made during a cycle. Current minimum payment will stay the same as long as the new balance does not increase above the amount at which the original payment was first set.

PMER9 — PREMIER PLAN 9: A $299 minimum purchase required. Revolving plan at APR 9% (.75% monthly). Interest accrues on the average daily balance from the "invoiced" date or date the charge was debited to the account. A minimum payment of $15 or 2%, (4% with Credit Protection) whichever is greater, is required each month. Payments are calculated on the ending balance of the account when a new purchase or charge has been made during a cycle. Current minimum payment will stay the same as long as the new balance does not increase above the amount at which the original payment was first set.

12N21 — 12 MONTH DEFERRED INTEREST: A $299 minimum purchase required. APR 21% (1.75% monthly). Twelve (12) months deferred interest. A minimum payment of $15 or 5%, whichever is greater, is required each month. If the principal balance is paid in full by the end of the 12th payment cycle, no interest will be charged. However, if the balance is not paid in full, interest will be charged retroactively to the purchase date based on the average daily balance. If the equivalent of two (2) payments are missed during the term, the balance on the entire plan together with accrued interest will be transferred to the REG21 plan.

18M2 — 18 MONTH Low Interest 2%: A $1,499 minimum purchase is required. Eighteen (18) months at APR 2% interest (0.167% monthly). In addition to the interest charged of APR 2%, interest accrues at APR 18% (1.5% monthly). Total accrued and charged interest APR 20%. (1.67% monthly). Interest is calculated on the average daily balance of the account. A minimum payment of $15 or 3%, (4% with Credit Protection), whichever is greater, is required each month. If the principal balance is paid in full by the end of the 18th payment cycle, the accrued interest will not be charged. However, if the balance is not paid in full, the accrued interest and the entire remaining balance will be transferred to the REG21 Plan. If the equivalent of two (2) payments are missed during the term, the balance on the entire plan together with accrued interest will be transferred to the REG21 plan.

36M4 — 36 MONTH Low Interest 4%. $2,499 minimum purchase is required. Thirty-six (36) months at APR 4% interest (0.333% monthly). In addition to the interest charged of APR 4%, interest accrues at APR 18% (1.5% monthly). Total accrued and charged interest APR 22% (1.84 % monthly). Interest is calculated on the average daily balance of the account. A minimum payment of $15 or 2.5% (3.5% with Credit Protection), whichever is greater, is required each month. If the principal balance is paid in full by the end of the 36th payment cycle, the accrued interest will not be charged. However, if the balance is not paid in full, the accrued interest and the entire remaining balance will be transferred to the REG21 Plan. If the equivalent of two (2) payments are missed during the term, the balance on the entire plan together with accrued interest will be transferred to the REG21 plan.

Vendor Plans for Promotions

18V21 - VENDOR FINANCING 18 MONTHS 21%: A $999 minimum purchase is required. Eighteen (18) months deferred interest. APR 21% (1.75% monthly). A minimum payment of $15.00 or 5%, whichever is greater, is required each month. If the principal balance is paid in full by the end of the 18th payment cycle, no interest will be charged. However, if the balance is not paid in full, interest will be charged retroactively to the purchase date based on the average daily balance. If the equivalent of two (2) payments are missed during the term, the balance on the entire plan together with accrued interest will be transferred to the REG21 plan. Ask Sales Associate for qualifying products.

36V21 — VENDOR 36 MONTHS 21%: A $1,999 or $2,499 (depending on Vendor) minimum purchase required. Thirty-six (36) months deferred interest. APR 21% (1.75% monthly). A minimum payment of $15.00 or 2.5% (3.5% with Credit Protection), whichever is greater, is required each month. If the principal balance is paid in full by the end of the 36th payment cycle, no interest will be charged. However, if the balance is not paid in full, interest will be charged retroactively to the purchase date based on the average daily balance. If the equivalent of two (2) payments are missed during the term, the balance on the entire plan together with accrued interest will be transferred to the REG21 plan. Ask Sales Associate for qualifying products.

Other Plans

NT321 — NET 30 DAYS 21: Flooring Agreement Only. APR 21% (1.75% monthly). Signed Flooring Agreement. Customer must pay at least &fract12; down on flooring order and the balance will be approved up to a maximum of $5,000. Payment in full is due within 30 days of billing. This plan is used only for non-credit account customers. No commercial/business accounts can use this plan option. If a customer has been recently turned down for credit, or had a loss on a previous RC Willey account, the entire flooring order balance must be paid in full prior to installation.

Additional Resources: Federal Billing Rights & Truth-in-lending Disclosure & Agreement