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¹ Savings are based on a comparison of POWERpay’s 120 month 9.99% payment plans (.0132 factor)  vs similar competitor offerings. The price comparison calculates competitor ‘s dealer fees and includes the cost of  POWERpay’s FREE ⁴ HDR (Home Deductible Reimbursement) Policy  (HDR  Policy is 12 month plan that reimburses the policy holder for up to a $1,000 for covered claims against their homeowners policy. Unless renewed the policy terminates 12 months from the closing of the loan. $199 value), ³ POWERpay Remote Monitoring  Plan which is $15/mo and is included for the consumer while the loan remains open and in good standing – $1800 value),  ² 10 Year Warranty Coverage which includes a manufacturer limited warranty covering years 1-5 and the POWERpay  limited extended warranty that covers years 6-10  $1,000 value).  ⁵ Monthly payments are based on the credit history of each consumer and the rates can fluctuate based on the creditworthiness. Credit scores are reported directly from the 3 major credit bureaus (Equifax, Experian, Transunion) and each consumer will receive a copy of their score upon completion of the loan application.  ⁶ Credit score is not the only credit factor used in the decision process. ⁷ Demand Response Programs will be offered to customers as they become available and will only be offered to customers whose loans remain open and in good standing. All warranty statements and terms and conditions are provided to the consumer prior to the closing of the loan.