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• All payments made in excess of the minimum required after month 18 go to reduce the principal balance of the contract.

• These payments will not change the required minimum monthly payment, but will reduce the number of months until the contract is paid off, or at lease reduce the size of the final payment.

(Concert) Level Pay

The Level Pay product functions exactly as EverOwn is described above. It is the EverBright RIC being sold by a partner’s brand.

(Concert) 12-3 Flex

The “Triple Flex” product is the same as Cash for the first 12 months - no payment is required but Homeowners are strongly incentivized to make payments as they will be applied directly to the principal. The first payment due date will be 395 days after the In-Service date. If the financed amount is payed in full during the first 12 months, all accrued finance charges will be waived.

This product re-amortizes 3 times - at 12, 24, and 36 months. Any additional payments made during the first 3 years will lower the future monthly payments, re-calculated at these re-amortization events.

Any payments after the third re-amortization event will first reduce any accrued finance charges, then the unpaid Principal balance, and may result in fewer total payments due over the term of the Agreement.