This First Electronic Bank Installment Loan Agreement for the Afterpay Program (“Agreement”) includes the “Final Payment Schedule”, if any, that is sent after you complete your purchase with the merchant that will confirm the final value of your Down Payment, if required and payment amounts, as well as your final payment due dates. The Final Payment Schedule will supersede and replace the Payment Schedule, and is expressly incorporated into this Agreement.

Use of the words “you” and “your” throughout this Agreement refer to the borrower listed, and the words “we,” “us,” and “our” refer to the Lender listed or its assignees. “Merchant” means the seller of merchandise or services from which you are making a purchase that will be financed by this Agreement.

The headings used in this Agreement are for convenience only, and are not part of this Agreement.