17 23 Luthersalescom

Summary

The table immediately below is provided for illustrative purposes only and the consumer will
receive a table with their specific terms prior to the first transactions on the account

Interest Rate and Interest Charges
Annual Percentage Rate Varies by State from 17% to 23%

(APR) for Purchases
See your account agreement for more details
How to Avoid Paying Your due date is at least 25 days after the close of
Interest each billing cycle. We will not charge you any interest
on purchases if you pay your entire balance by the
due date of each month

Fees
Annual Fees None
Penalty Fees
• Late Payment Varies by state, from (a) $0 to (b) the greater of 5% of the
payment or $20. See your account agreement for more
details

• Returned Payment Varies by state, from (a) $20 to (b) the greater of $100 or
twice the amount of the returned payment. See your
account agreement for more details

How We Will Calculate Your Balance: We use a method called the "average daily balance."
Under this method, we figure the interest charge on your account by applying the periodic rate to
the “average daily balance” of your account. To get the “average daily balance” we take the
beginning balance of your account each day and subtract any unpaid interest or other finance
charges and any payments or credits. We do not add in any new purchase/advances/fees. This
gives us the daily balance. Then, we add all the daily balances for the billing cycle together and
divide the total by the number of days in the billing cycle. This gives us the “average daily
balance”. See your account agreement for more details

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights
is provided in your account agreement

RETAIL INSTALLMENT CREDIT AGREEMENT (RETAIL CHARGE)
1. PROMISE TO PAY: “You” (meaning each existing obligor who has an account with Luther, and each applicant and
co-applicant for credit identified on the application which is incorporated by reference into this Agreement who is
approved for credit by Luther Appliance and Furniture Sales Acquisition, LLC. (also referred to as “us,” “we,”
“our,” “Luther” and similar terms) promise to pay to us or anyone we designate in accordance with the monthly
statements we provide to you from time to time, the full amount billed for the goods (“Luther Merchandise”) you
order, including all taxes and related fees and charges, according to the terms of this Retail Installment Credit
Agreement (Retail Charge). By signing and accepting this agreement each applicant and co-applicant (if
applicable) also hereby gives Luther Appliance and Furniture Sales Acquistion, LLC. permission to obtain income,
and employment verification from your employer, and to obtain consumer reports (including credit reports) from
consumer reporting agencies as part of our review process with your application or loan. If you ask, we will tell you
whether a consumer report was ordered. If one was, we will provide you with the name and address of the
consumer reporting agency that supplied it. Subsequent consumer reports may be ordered in connection with any
update, renewal or extension of the credit applied for, without further notice to you

2. CREDIT LIMIT and SUBSEQUENT PURCHASES OF LUTHER MERCHANDISE: You agree that we may establish
a credit limit and that the balance of your credit purchases at one time will not exceed your credit limit. You will be
advised of your initial credit limit at the time your account is opened. If you exceed your credit limit or if you are in
default, we have the right to suspend or cancel your account. You agree that we may change your credit limit from time
to time. We may do so based upon our evaluation of changes in your credit worthiness or otherwise at our discretion

You may make purchases from time to time, subject to your credit limit. However, if you finance the purchase of Luther
Merchandise, you may not make subsequent purchases of Luther Merchandise on credit until you have repaid forty
percent (40%) or more of the total outstanding balance of prior purchases that have not been repaid. Purchases may
be documented by an invoice or other memorandum evidencing your purchase and your agreement to finance that
purchase according to the terms of this Agreement

3. MONTHLY STATEMENTS and MONTHLY PAYMENTS FOR LUTHER MERCHANDISE PURCHASES: After you have
purchased from Luther, have an outstanding balance, and your merchandise has been delivered, a monthly statement
will be sent to you

When a purchase of Luther Merchandise has been made and is financed, a monthly payment amount, “Minimum
Monthly Payment,” will be calculated as follows:
a) The amount of your new purchase will be added to any outstanding balance to determine your new outstanding
balance

b) The Minimum Monthly Payment will be based upon the amount of the new outstanding balance and repayment term,
taking into consideration the monthly periodic rate of interest, and is calculated to repay the outstanding balance owed
in full, in substantially equal payments. The new Minimum Monthly Payment due begins with your first monthly payment
due for the billing cycle in which you make a new purchase, and remains in effect until you have repaid that outstanding
balance of purchases plus Finance Charges. If you do not make payments when due, you must make: (a) more
payments, (b) higher final payments, or (c) both

c) Your repayment period will be determined based upon the total outstanding balance, as well as your
creditworthiness, and will be disclosed at the time or your purchase

4. FINANCE CHARGE ON LUTHER MERCHANDISE PURCHASES: If you finance the purchase of Luther
Merchandise, you will pay a Finance Charge as part of your monthly payment described in Section 3 above. The
Finance Charge on your account is computed the following way: (a) The “Average Daily Balance Method (excluding
new purchases)” is used. Under this method, the interest charged on your account is determined by applying the
Periodic Rate to the “average daily balance” of your account. To determine the “average daily balance,” the beginning
balance of your account is taken each day and any payments or credits, as well as and any unpaid finance charges, are
subtracted out. New purchases are not added in the first month. Then all daily balances for the billing cycle are added
ttogether and divided by the total number days in the billing cycle. (b) the Monthly Periodic Rate is 1.9166% and the
ANNUAL PERCENTAGE RATE is 23%. (Exception: If you are a resident of Colorado, Georgia or Tennessee at the
time your account is opened, the Monthly Periodic Rate is 1.75% and the ANNUAL PERCENTAGE RATE IS 21%. If
you are a resident of Florida or Texas at the time your account is opened the Monthly Periodic Rate is 1.5% and the
ANNUAL PERCENTAGE RATE is 18%. If you are a resident of Arkansas at the time your account is opened the
Monthly Periodic Rate is 1.41% and the ANNUAL PERCENTAGE RATE is 17%.)
5. NO INTEREST CHARGE: The “beginning balance” at the start of a monthly billing cycle is the same as the amount
you owe as of the last day of the prior monthly billing cycle. You will not be charged an Interest Charge: (a) In a
monthly billing cycle in which there is no previous balance (e.g. the previous balance shown on your statement is “zero”
or a credit balance) or at the end of which there is a zero balance or a credit balance (meaning that there was no
outstanding account balance at either the start or the end of the monthly billing cycle); (b) In a monthly billing cycle
during which the payments and/or credits to your account (other than payments and credits attributable to amounts not
included in the beginning balance for that billing cycle) are equal to or exceed the beginning balance for that billing
cycle. or (c) On new purchases during the billing cycle in which the purchases are first added to your account

6. EARLY PAYMENT INCENTIVES FOR BUYER: We offer a “25% Discount and Interest Rebate” program. Under this
program, we will give you a 25% credit off of the list price if you make payment in full within an “early repayment period.”
This early repayment period will be communicated to you at the time of purchase, and may be 6 months, 9 months, or
one year from delivery of the financed Luther Merchandise to you. We will also give you an additional 10% credit off of
the list price if the order is paid in full in advance of delivery of the financed Luther Merchandise. We will also rebate
Interest Charges for orders paid in full within the early repayment period

7. ANNUAL FEE: There is no annual fee

8. LATE PAYMENT FEE: You agree to pay a late payment fee of $20.00 on each monthly payment due which is not
paid in full within 10 days (15 days for California residents) of the due date shown on your monthly billing statement
unless applicable law limits this fee to a lesser sum in which case you agree to pay the maximum fee that may be
imposed. TX Residents: A DELINQUENCY CHARGE OF $15 MAY BE ASSESSED FOR A PAYMENT THAT IS IN DEFAULT FOR A
PERIOD THAT IS LONGER THAN 21 DAYS. Virginia residents will not be charged more than 5% of the amount of the
payment

9. RETURNED CHECK FEE: You agree to pay a returned check fee if any check or other instrument for payment on
your account is returned unpaid in the amount of $20.00, unless applicable law limits this fee to a lesser sum in which
case you agree to pay the maximum fee that may be imposed. Unless prohibited by applicable law, this fee will be
added to the unpaid balance under the Agreement. Exceptions: District of Columbia residents: you agree to pay a fee
equal to the greater of $100 or 2 times the face amount of the returned check provided the check remains unpaid for 30
days after we mail you notice of the returned check in accordance with D.C. Code Ann. § 28-3152. Maryland
residents: you agree to pay a fee of $15.00 if any check for payment on your account is returned unpaid on a second
presentment. California and Texas residents: you agree to pay a returned check fee of $15.00

10. REFERRAL BONUS: If you refer a new buyer to us who places an order for Luther Merchandise, we will give you
a referral bonus. Your referral bonus for referring a new buyer who places an order for Luther Merchandise will be your
choice of either: (a) $100.00 towards a monthly payment (see Section 3); or (b) a gift card for $100.00. The new buyer
will also receive their choice of either: (a) $50.00 towards a monthly payment; or (b) a gift card for $50.00. To qualify,
you must sign-up for the referral program at www.luthersales.com prior to the new buyer’s purchase of Luther
Merchandise. The referral bonus is subject to additional terms and conditions, which are available and may be
reviewed online at www.luthersales.com. Notice: The referral bonus is not available to Washington D.C. residents or to
residents of any other state where prohibited by law

11. REFUND/RETURN POLICY: You may obtain a refund of any amounts you have paid to us in connection with the
purchase price of Luther Merchandise if you are not satisfied with such merchandise. To do so, you must refuse to
accept the Luther Merchandise upon delivery and you must return the merchandise to us in good condition and in its
original packaging. Before we make a refund, we are entitled to a return of the Luther Merchandise in good condition
and in original packaging

12. STORAGE FEES: Customer will be responsible for storage charges 20 days from contact from an authorized
LutherSales delivery agent

13. SECURITY: By signing this Agreement, you hereby give us a purchase money security interest in the goods you
purchase under this Agreement, which have a list price of $200 or more (the “Collateral”). This is a security interest
under the Uniform Commercial Code and other laws and protects us if you do not repay your debt under this
Agreement. This is a security interest in the Collateral and any proceeds of the Collateral, whether in the form of
cash or other property taken in exchange for, or resulting from the disposal of the Collateral. You authorize us to
file a financing statement naming you as a debtor which covers the Collateral. The security interest will be valid
until: (a) the purchase price for the Collateral is fully paid or (b) five years have elapsed from the date of purchase,
whichever happens first

14. ALLOCATION OF PAYMENTS: We will allocate your payments to your outstanding balance (after deducting
amounts owed for Interest Charges, late charges, and other permitted charges) to purchases in the order in which
we post them to your account

15. DEFAULT: You will be in default under this Agreement if: (1) you fail to make a minimum payment within 10 days
of its due date; (2) you break any of the promises in this Agreement or in any other written agreement you have with
us; (3) you have made any false or misleading statements in connection with your credit application or this
Agreement; (4) a petition is filed by or against you under any bankruptcy or insolvency law; (5) you die or become
unable to manage your affairs; or (6) there is a significant impairment of, or damage to, the Collateral

16. CONSEQUENCES OF DEFAULT: If you default, we will have the right to require immediate payment of everything
you owe us, after we provide you any notice of default and opportunity to cure default required by applicable law.

We also will have the right to repossess (take) any Collateral or foreclose on any security interest given as security for
what you owe under this Agreement, provided payment is overdue by at least thirty (30) days and we thereafter provide
you with a notice and an additional thirty (30) day period to cure the default. If we repossess the Collateral, we may sell
it at a public or private sale. We will give you at least 10 days written notice before we do so. The proceeds of the sale
will be applied toward what you owe. We first will subtract the costs of repossessing, storing, preparing for sale, selling
the Collateral, and other allowable expenses, to the extent permitted by law. If we refer your account to an attorney for
collection, unless prohibited by applicable law, you also agree to pay us our reasonable attorneys’ fees of up to twenty
percent (20%) of the amount you owe us, provided the attorney is not our salaried employee. You agree to pay us court
costs and disbursements unless prohibited by applicable law. If our sale of Collateral does not cover all that you owe,
you must pay the deficiency. If there is a surplus, it will be paid to you or to any other person legally entitled to it

Notice to District of Columbia residents: 1. If we repossess the Collateral and our sale of Collateral does not cover all
that you owe, we waive our right to claim any deficiency between the proceeds of the sale and the amount you owe us

2. We will not charge you any attorneys’ fees as a consequence of your default

For Texas residents, if you default, or we believe in good faith that you are not going to keep your promises under this
Agreement, we can demand that you immediately pay all you owe. You agree that we do not have to give you notice
that we intend to demand or are demanding immediate payment of all you owe

17. NATURE OF YOUR RESPONSIBILITIES: Each person that signs the credit application for this Agreement, this
Agreement, or any invoice or other memorandum evidencing a purchase made according to the terms of this
Agreement, is liable (and if there is more than one person then each of you is jointly and severally liable) to pay all
amounts owed, in full, and to keep all of the other promises in this Agreement. You are responsible for the amounts
you owe on this Agreement even if you suffer a total loss of the goods purchased under this Agreement due to theft,
confiscation, fire or other physical damage. If we do not hear from you with regard to any order for a period
exceeding 120 days; we will return any credit balance to you in the form it was paid (credit card credit or check) to
your most current address that we have on record. If you abandon your balance for more than twelve months, we
will turn it over to the state of your most current address we have on record as abandoned property. If you are on
allotment, it is your obligation to terminate payments after the balance has been satisfied. We will use reasonable
efforts to return any credit balance as stated above

18. APPLICABLE LAW: This Agreement is effective when we accept and approve your application for credit under the
terms of this Agreement. The Agreement (which includes the application and any sales slips/orders signed by you)
is governed by the laws of the state that you reside, in addition to being governed by Federal Law. If you are a
resident of Maryland this Agreement is governed by federal and Maryland law-specifically Subtitle 9, Title 12 of the
Commercial Law Article. If you are a resident of Texas the following applies to you: TEXAS CONSUMER CREDIT
COMMISSIONER NOTICE: To contact Luther Appliance and Furniture Sales Acquisition, LLC. about this account
call (800)358-6466. This contract is subject in whole or in part to Texas which is enforced by the Consumer Credit
Commissioner, 2601 N. Lamar Blvd., Austin, Texas 78705-4207; (800) 538-1579; www.occc.state.tx.us; and can be
contacted relative to any inquiries or complaints. If any provision of this Agreement is found invalid, the other
provisions shall remain in full force and effect

TEXAS CONSUMER CREDIT COMMISSIONER NOTICE: To contact Luther Appliance and Furniture Sales
Acquistion, LLC. about this account call (800) 358-6466. This contract is subject in whole or in part to Texas law which
is enforced by the Consumer Credit Commissioner, 2601 N. Lamar Blvd., Austin, Texas 78705-4207; (800) 538-1579;
www.occc.state.tx.us; and can be contacted relative to any inquiries or complaints

If any provision of this Agreement is found invalid, the other provisions shall remain in full force and effect

19. PREPAYMENT OF BALANCE: You may, at any time, pay off the entire balance of your account without penalty

20. CANCELING THIS AGREEMENT: We have the right to cancel this Agreement at any time by notifying you in
writing. You have the same right. Your obligation to repay amounts you already owe under this Agreement will not
be affected by cancellation of this Agreement
21. CHANGE OF TERMS: To the extent allowed by law, we may change any term of this Agreement, including the
rate of interest charge. If permitted by applicable law, any new terms may at our option be applied to any balance
existing on the Account at the time of change, as well as any subsequent transactions. We may make any of the
changes discussed above without your consent, unless applicable law provides otherwise. We will give you any
notice of change that is required by law

22. OPTIONAL PAYMENT METHODS: You may elect to make payments under a payroll deduction plan or by
choosing to have payments made by an automatic debit to your checking account by simply completing the
additional authorization forms for either payment method

You may revoke any such election by sending us and your bank or employer a signed written request. We will process
your revocation in a reasonable time period after we receive it, but might not be able to stop a payment scheduled to
occur within five (5) business days. If you select either of these two optional payment methods, you agree to execute
and implement such additional authorizations (which are incorporated into and made part of this Agreement) as may
be reasonably requested by us from time to time for the purpose of authorizing your employer or bank to pay us on
your behalf

23. COMMUNICATIONS. You consent to have LutherSales communicate with you, in connection with your application or
loan, using any telephone number, email address or other contact information that you provided in the application, or using
any telephone number, email address, or other contact information that you provide in the future. You hereby give
LutherSales permission to communicate with you using, including but not limited to: automated telephone dialing equipment,
artificial or Pre-recorded voice messages; telephone or other electronic facsimile machine; SMS or text messages; and email
directed to you at a mobile telephone service, or email otherwise directed by you. By providing your cell phone number on
this credit application or if provided through subsequent contacts, you are providing consent to LutherSales and any person
or entity acting on LutherSales behalf to contact you for collection purposes. These contacts may use automated telephone
dialing systems or prerecorded messages and you may incur costs as a result of these contracts

24. PRESERVATION OF CLAIMS AND DEFENSE NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT
CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST
THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS
HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
DEBTOR HEREUNDER

25. Your Billing Rights. Keep This Notice For Future Use. This notice contains important information about your rights
and our responsibilities under the Fair Credit Billing Act

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at: Luther Appliance and Furniture Sales Aqcuisition,
LLC. 99 Sunnyside Blvd. Suite 101 Woodbury NY 11797
In your letter, give us the following information:
• Account information: Your name and account number

• Dollar amount: The dollar amount of the suspected error

• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and
why you believe it is a mistake

You must contact us:
• Within 60 days after the error appeared on your statement

• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the
amount you think is wrong

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to
investigate any potential errors and you may have to pay the amount in question

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell
you
if we have already corrected the error

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we
believe the bill is correct

While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent on the amount

• The charge in question may remain on your statement, and we may continue to charge you interest on
that amount

• While you do not have to pay the amount in question, you are responsible for the remainder of your
balance

• We can apply any unpaid amount against your credit limit

After we finish our investigation, one of two things will happen:
• If we made a mistake: You will not have to pay the amount in question or any interest or other fees
related to that amount

• If we do not believe there was a mistake: You will have to pay the amount in question, along with the
applicable interest and fees. We will send you a statement of the amount you owe and the date
payment is due. We may then report you as delinquent if you do not pay the amount we think you owe

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that
you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are
questioning your bill. We must tell you the name or anyone to whom we reported you as delinquent, and we must
let those organizations know when the matter has been settled between us

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if
your bill is correct

26. ARBITRATION CLAUSE PLEASE REVIEW - IMPORTANT - AFFECTS YOUR LEGAL RIGHTS
THE FOLLOWING ARBITRATION PROVISION WILL APPLY TO YOUR AGREEMENT, UNLESS: (A) YOU ARE A
“COVERED BORROWER” AS DEFINED BY THE FEDERAL MILITARY LENDING ACT, 10 U.S.C. § 987; OR (B)
YOU ARE AFFORDED PROTECTIONS UNDER STATE OR FEDERAL LAW THAT PROHIBIT THE LENDER FROM
REQUIRING YOUR SUBMISSION OF A DISPUTE TO ARBITRATION

27. EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN US DECIDED BY ARBITRATION
AND NOT IN COURT OR BY JURY TRIAL. 2. IF A DISPUTE IS ARBITRATED, YOU WILL GIVE UP YOUR
RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM
YOU MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY
CONSOLIDATION OF INDIVIDUAL ARBITRATIONS. 3. DISCOVERY AND RIGHTS TO APPEAL IN
ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RIGHTS THAT YOU
AND WE WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. Any claim or dispute,
whether in contract, tort, statute or otherwise (including the interpretation and scope of this clause, and the
arbitrability of the claim or dispute), between you and us or our employees, agents, successors or assigns,
which arise out of or relate to your credit application, purchase or condition of this vehicle, this contract or any
resulting transaction or relationship (including any such relationship with third parties who do not sign this
contract) shall, at your or our election, be resolved by neutral, binding arbitration and not by a court action. Any
claim or dispute is to be arbitrated by a single arbitrator on an individual basis and not as a class action. You
expressly waive any right you may have to arbitrate a class action. You may choose one of the following
arbitration organizations and its applicable rules: the National Arbitration Forum, Box 50191, Minneapolis, MN
55405-0191 (www.arbforum.com), the American Arbitration Association, 335 Madison Ave., Floor 10, New
York, NY 10017-4605 (www.adr.org), or any other organization that you may choose subject to our approval

You may get a copy of the rules of these organizations by contacting the arbitration organization or visiting its
website. Arbitrators shall be attorneys or retired judges and shall be selected pursuant to the applicable rules

The arbitrator shall apply governing substantive law in making an award. The arbitration hearing shall be
conducted in the federal district in which you reside unless the Creditor-Seller is a party to the claim or dispute,
in which case the hearing will be held in the federal district where this contract was executed. We will advance
your filing, administration, service or case management fee and your arbitrator or hearing fee all up to a
maximum of $1000, which may be reimbursed by decision of the arbitrator at the arbitrator’s discretion. Each
party shall be responsible for its own attorney, expert and other fees, unless awarded by the arbitrator under
applicable law. If the chosen arbitration organization’s rules conflict with this clause, then the provisions of this
clause shall control. The arbitrator’s award shall be final and binding on all parties, except that in the event the
arbitrator’s award for a party is $0 or against a party is in excess of $100,000, or includes an award of
injunctive relief against a party, that party may request a new arbitration under the rules of the arbitration
organization by a three-arbitrator panel. The appealing party requesting new arbitration shall be responsible
for the filing fee and other arbitration costs subject to a final determination by the arbitrators of a fair
apportionment of costs. Any arbitration under this Arbitration Clause shall be governed by the Federal
Arbitration Act (9 U.S.C. § 1 et. seq.) and not by any state law concerning arbitration. You and we retain any
rights to self-help remedies, such as repossession. You and we retain the right to seek remedies in small
claims court for disputes or claims within that court’s jurisdiction, unless such action is transferred, removed or
appealed to a different court. Neither you nor we waive the right to arbitrate by using self-help remedies or
filing suit. Any court having jurisdiction may enter judgment on the arbitrator’s award. This clause shall survive
any termination, payoff or transfer of this contract. If any part of this Arbitration Clause, other than waivers of
class action rights, is deemed or found to be unenforceable for any reason, the remainder shall remain
enforceable. If a waiver of class action rights is deemed or found to be unenforceable for any reason in a case
in which class action allegations have been made, the remainder of this arbitration clause shall be
unenforceable

28. ADDITIONAL NOTICES Notice to Georgia residents: NOTICE TO THE BUYER: Do not sign this before you
read it or if it contains any blank spaces. You are entitled to an exact copy of the paper you sign. You have the
right to pay in advance the full amount due. Each party secondarily liable on this Agreement hereby waives
any right to require us as seller or any assignee to take action against the principal as provided in O.C.G.A. §
10-7-24

Notice to Texas residents: NOTICE TO THE BUYER: DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT
OR IF IT CONTAINS BLANK SPACES. YOU ARE ENTITLED TO A COPY OF THE AGREEMENT YOU SIGN

KEEP THIS AGREEMENT TO PROTECT YOUR LEGAL RIGHTS

Notice to Washington DC residents: NOTICE TO THE BUYER: 1. Do not sign this credit agreement before you
read it or if it contains any blank space. 2. You are entitled to a completely filled in copy of this credit agreement at
the time you sign it

ACKNOWLEDGEMENT. By signing the application form, using the credit card and/or by placing your first order on
credit provided by us, you acknowledge your receipt of a copy of this Agreement and agree to accept and comply
with the terms of this Agreement

NOTICE TO THE BUYER: 1. Do not sign this credit agreement before you read it or if it contains any blank space

2. You are entitled to a completely filled in copy of this credit agreement

RETAIL INSTALLMENT CREDIT AGREEMENT Luther Appliance and Furniture Sales Acquisition, LLC
Dated: October 6, 2020
By clicking “Agree”, you acknowledge your understanding and consent to be bound by the terms of this Agreement

Clicking “Agree” represents your electronic signature of this document

8.LATE PAYMENT FEE: You agree to pay a late payment fee of $20.00 on each monthly payment due which is not paid in full within 10 days (15 days for California residents) of the …

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Frequently Asked Questions

Why buy at luthersales?

At LutherSales™ your satisfaction is our top priority. Boost Your Buying Power at LutherSales™ - Your Buy Now Pay Later Furniture, Computer, Electronics and Appliance Store!

Why luthersales appliance furniture?

For over 50 years LutherSales Appliance and Furniture Sales, Inc. has been a leader in providing name brand, quality products, affordably, by using flexible payment options, tailored to fit comfortably within our customer's budget. Accredited by the Better Business Bureau, LutherSales is dedicated to principals of responsible lending.

Why buy now pay later with luthercharge?

Quality and Convenience. As a LutherCharge Membership Card holder you get the added protection of our extended furniture warranty. This entitles you to free service on your buy now pay later furniture financing purchase for the life of your payment plan in accordance with the manufacturer's warranty.

Why choose ledluthersales?

Luthersales has always been a pleasure to work with Larry L. has always been outstanding n helping me and having patience with me changing my mind at the last moment.