Common use of FEES AND COSTS ADDED TO LOAN BALANCE Clause in Contracts

FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal. That means we will charge interest on that amount until you pay it. We will charge you any costs charged by third parties relating to your Loan or this Agreement (e.g. repossession agent, legal provider, repairer). We can provide copies of the invoices on request. $3.00 $89.00 $341.00 $1460.00 Actual Cost $0.36c plus 1.63% of the payment amount Actual Cost *Fees may be changed under clause 12.2(b)(ii) of the General Terms. CONSUMER LOAN & SECURITY GENERAL TERMS Clause 1: Understanding and interpreting this Agreement This Agreement has two parts: • these General Terms • the Commercial Terms (at the front of these General Terms) which includes the SCHEDULE OF PAYMENTS and the Fee Schedule. Read both parts carefully. Ask for help if there is anything you don’t understand. We use ordinary words where possible. But sometimes we have to use legal words or terms because there is no ordinary word with the same meaning. To help you, we have added some explanations in italics. Also, some of the ordinary words we use have special meanings in this Agreement. We explain some legal and ordinary words, and set out the rules for interpreting this Agreement, in the Dictionary (clause 16).

FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal. That means we will charge interest on that amount until you pay it. We will charge you any costs charged by third parties relating to your Loan or this Agreement (e.g. repossession agent, legal provider, repairer). We can provide copies of the invoices on request. $3.00 $89.00 $341.00 $1460.00 Actual Cost $0.36c plus 1.63% of the payment amount Actual Cost *Fees may be changed under clause 12.2(b)(ii) of the General Terms. CONSUMER LOAN & SECURITY GENERAL TERMS Clause 1: Understanding and interpreting this Agreement This Agreement has two parts: • these General Terms • the Commercial Terms (at the front of these General Terms) which includes the SCHEDULE OF PAYMENTS and the Fee Schedule. Read both parts carefully. Ask for help if there is anything you don’t understand. We use ordinary words where possible. But sometimes we have to use legal words or terms because there is no ordinary word with the same meaning. To help you, we have added some explanations in italics. Also, some of the ordinary words we use have special meanings in this Agreement. We explain some legal and ordinary words, and set out the rules for interpreting this Agreement, in the Dictionary (clause 16).

FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal. That means we will charge interest on that amount until you pay it. We will charge you any costs charged by third parties relating to your Loan or this Agreement (e.g. repossession agent, legal provider, repairer). We can provide copies of the invoices on request. $3.00 $89.00 134.00 $341.00 149.00 $1460.00 770.00 Actual Cost $0.36c plus 1.63% of the payment amount Actual Cost *Fees may be changed under clause 12.2(b)(ii) of the General Terms. CONSUMER LOAN & SECURITY GENERAL TERMS Clause 1: Understanding and interpreting this Agreement This Agreement has two parts: • these General Terms • the Commercial Terms (at the front of these General Terms) which includes the SCHEDULE OF PAYMENTS and the Fee Schedule. Read both parts carefully. Ask for help if there is anything you don’t understand. We use ordinary words where possible. But sometimes we have to use legal words or terms because there is no ordinary word with the same meaning. To help you, we have added some explanations in italics. Also, some of the ordinary words we use have special meanings in this Agreement. We explain some legal and ordinary words, and set out the rules for interpreting this Agreement, in the Dictionary (clause 16).