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THE SEBO AMERICA PRODUCT FINANCING PROGRAM

SUMMARY

For your convenience and flexibility, SEBO America offers six
and 12-month deferred-interest financing programs, which are
provided by GE Capital. Taking part is quick and easy! Just Follow these three easy steps: You must reside in the USA and be 18 years or older to apply.

Please note: The below outline is provided by SEBO America for convenience and informational purposes only. To make a decision about participating in this program, you should exclusively rely on the information provided on GE Capital's documents, such as their Application and Initial Cardholder Disclosure, their official web site, and any additional documents they send to you directly.
TABLE OF CONTENTS
SEBO AMERICA TAKES YOUR ORDER AND LOAN APPLICATION

Just follow these three easy steps:
  1. Your loan application is approved.
  2. Your loan application is denied.
  3. Your loan application is pending. When this happens, there is a
    missing piece of information or perhaps a discrepancy in your
    credit report that needs clarification. Pending decisions may
    hold you on the phone for about 15 minutes because extra time
    is needed to communicate what is needed, for you to proceed
    past the pending status. Also, it may take a few days for you to
    provide GE Capital with the information or clarification they need
    to make a final decision.
1
LOAN REPAYMENT OPTIONS

The program offers a deferred-interest loan, with monthly required
Minimum Payments, and your choice of promotional periods of six
or 12 months. Interest is deferred during the promotional period.
To avoid paying finance charges, the entire balance must be paid
off, in full, before or at the end of the promotional period. The
monthly required Minimum Payment is usually the greater of $25 or
3.75% of the New Balance. Delinquent accounts may have to pay
higher required Minimum Payments.
2
CONSIDER PAYING THE "SUGGESTED MONTHLY PAYMENT"
AMOUNT

This GE Capital program has a monthly "required Minimum
Payment." This provides the flexibility of a low monthly payment,
but it also means that your loan will not be paid off at the end of
the deferred-interest promotional period. If this happens, interest
accrued during the promotional period will be added to your
outstanding loan balance, and your monthly required Minimum
Payment may increase.

Also, if your monthly required Minimum Payment is received
late or you miss a scheduled payment, the deferred-interest
promotional period will immediately end, the interest accrued
during the promotional period will be added to your outstanding
loan balance, and your required Minimum Payment may increase.

As an alternative, consider paying, what SEBO calls, the
"Suggested Monthly Payment amount." Since your loan offers
deferred interest during a six or 12-month promotional period,
you need only to divide your beginning loan balance by the
number of months in the promotional period, to determine how
much money you must pay each month to pay off your loan by
the end of the promotional period.
3
LETTER OF APPROVAL OR DENIAL

Although you will already know the decision, a few days after you
apply for the loan, GE Capital will send you a formal letter of approval
or denial.
4
TO PURCHASE ADDITIONAL SEBO PRODUCTS IN THE FUTURE,
SIMPLY ADD THEIR COST TO YOUR GE CAPITAL ACCOUNT

Once your GE Capital account is established, you can buy more
SEBO products by simply adding their cost to your account balance.
If the dollar amount of a new order causes your loan balance to
exceed its credit limit, then SEBO can submit to GE Capital, on your
behalf, an application for a credit line increase.
5
FREQUENTLY ASKED QUESTIONS
  • How do I apply for a GE Capital Account?
  • Just call our loan hotline at (800) 334-6614, and a SEBO
    America representative will gladly help you apply for an
    account.
  • What is the interest rate?
  • The APR is 29.99%, but paying interest can be avoided
    by following the answer to the next question. Also, the
    Delinquency Rate APR is 29.99%.
  • How can I avoid finance charges?
  • If the account balance is paid in full before, or at the time, the promotion period ends.
  • How can I avoid late payment fees?
  • You will not be charged a late payment fee, if GE Capital
    receives at least the required Minimum Payment by the due
    date shown on your statement.
  • How much is my monthly required Minimum Payment
    amount?
  • It is shown on your monthly statement. On never delinquent
    accounts, it is usually the greater of $25 or 3.75% of the New
    Balance. However, consider remitting what is referred to in
    Section 5 as the "Suggested Monthly Payment" amount, so the
    balance will be paid in full before, or at the time, the promotion
    period ends.

    For example, if you make a purchase of $1,020 and choose
    the six-month deferred-interest promotion, your monthly
    required Minimum Payment, in the first five months, is $38.25.
    On the sixth month, you would have to pay $828.75, to pay off
    the balance and avoid also paying six months of accrued
    interest. On the other hand, if you pay the Suggested Monthly
    Payment of $170 ($1,020/6), then the account is paid off within
    the six-month promotional period, finance charges are
    avoided, and a large final payment is not necessary.
  • What happens if I fail to remit a required Minimum Payment,
    send it late, or submit a returned payment (i.e., insufficient funds)?
  • You may be charged a late fee, the deferred-interest promotional period will immediately end and the interest accrued on the account, from the date of purchase, will be added to the loan balance. Please see the Loan Agreement for specific details, terms and conditions.
  • What happens if I fail to remit a required Minimum Payment or
    send it late?
  • You will be charged a late fee, the deferred-interest promotional period will immediately end and the interest accrued on the account, from the date of purchase, will be added to the loan balance.
  • Can I pay more than the minimum requirement?
    Is there a penalty?
  • Yes, you can certainly pay more than the required Minimum
    Payment. No, there is no penalty for paying off the balance
    early or paying more than the required Minimum Payment.
  • When will my promotion period expire?
  • First, you choose a promotion period of either six or 12
    months. The expiration date of that promotional period is
    shown on your monthly statement or when you login to your
    account online (look on the left navigation bar and click on
    "Promotional Summary").
  • Is there an annual fee associated with the account?
  • No.
  • How do I get an increase to my credit line?
  • Please call SEBO America at 800-334-6614, Monday through Friday, from 8 am to 5 pm Mountain Time. Then, SEBO can submit to GE Capital, on your behalf, an application for a credit line increase.
  • When do I receive my GE Capital Card?
  • It usually takes about 10 business days to receive the card,
    after approval.
  • Whom do I contact, if I have questions about my balance?
  • Contact GE Capital at the phone number listed on the back of
    your GE Capital Card.
  • How do I make my payments?
  • There are the following four ways:
    1. Online: Make payments with no associated fees,
      view statements and manage your account.
      Visit www.gogecapital.com.
    2. Phone: Call the number on your statement. GE's
      automated phone payment system can assist you in
      making a payment the same day, but there is a fee
      associated with this method.
    3. Automatic: Set-up automatic payments. You'll always
      be on time using this payment method. Just visit
      www.gogecapital.com.
    4. Mail: Refer to your monthly statement to find the correct
      payment remittance address. Be sure to allow plenty of
      time for your payment to arrive before the due date.
6
To view or download a complete PDF file of the
"The SEBO America Consumer Financing Program,"
simply Click Here . . .
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