Promotional Purchase Plan |
No Interest Will Ever Be Charged
No Fees if Balance is Paid within Promotional Period |
Casketorium, Inc., a subsidiary of Bay Area Burial Property (BABP)
Financing Terms & Conditions
| Total Purchase Amount |
Promotional Period |
| $1000-2000 |
6 months |
| $2001-3500 |
9 months |
| $3501-5000 |
12 months |
| $5000-6500 |
18 months |
| >6500 |
24 months |
No Fees If Paid Within Promotional Period
No Fees if Paid Within Promotional Period (minimum monthly payment required) Applies to purchases of services using BABP Financing. Under the promotion, no fees will be assessed on the promotional purchase as long as (1) you pay the total purchase amount in full within the promotional period as reflected on the financing agreement, and (2) you pay, when due, the minimum monthly payment on your account, which includes a required minimum monthly payment on the promo purchase. If you fail to satisfy either of the above conditions, all special promo terms may be terminated and finance charges will be assessed.
Payment Estimator Disclosure
The required minimum monthly payment is the approximate amount to be paid each month for the corresponding initial purchase (includes initial amount and applicable taxes and fees) and assumes that no additional purchases or charges (i.e. late fees, etc.) are incurred. The payment schedule assumes only the required minimum payments are made each month when due. The customer is permitted to pay more than the minimum amount due each month, and by doing so, the balance will be more quickly repaid. There is no penalty for pre-payment.
THE KEY CREDIT TERMS OF BAY AREA BURIAL PROPERTY
FINANCING AGREEMENT ARE AS FOLLOWS: |
| 0% Interest. No interest will ever be charged. |
Delinquency Rate APR * *
0% Interest. No interest will ever be charged. A late fee will apply. |
- Minimum Finance Charge
* If your No Interest Payment Plan is paid in full by the required due date, you will have paid no fees on your Promotional Purchase. However, if you do not pay the full promotional balance by the required due date, a monthly Overdue Fee will be added to your Account.
* * If you do not make your required Minimum Payment by the Payment Due Date a Delinquency Fee will be added to your existing Account balance. If you are 30 days late on any payment you will be in default. Your Promotional Period will thereby be terminated immediately and Overdue Fees will be assessed until the balance is paid.
If you make a payment that is not honored by your bank a Returned Check Fee will be added to your Account Balance. If the payment is not satisfied by the due date, a late fee will be applied.
|
| Overdue Fee: $30 per month |
| Late Payment Fee: $25 |
| Default Rate: 0%Default Rate: 0% No interest will be charged. A Late Fee and Overdue Fees will apply. The promotional period will be cancelled and the balance will become due. Overdue Fees will apply until the balance is paid off. |
| Returned Check Fee: $30 |
All accounts are owned and credit is extended by Casketorium, Inc, California, a subsidiary of Bay Area Burial Property.
You acknowledge that all information about you shown on the Application and Financing Disclosure or acceptance certificate is true, and that no agreement exists between you and us until we approve and accept the application or certificate in our office in California. You agree to be bound by the terms of the Casketorium Financing Agreement. Married applicants may apply for a separate account. Service (finance) charges will be imposed on the outstanding balances from month to month as described herein. You may pay your total unpaid balance at any time. If applicable, as permitted by law, we take a security interest in purchases made on your Account. You give us and any holder of your Account permission to request a consumer report from a consumer reporting agency in considering your application or acceptance certificate and subsequently for the purpose of any update, renewal, or extension of credit or for reviewing or collecting the Account.
Upon your request, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report, if any, relating to you. The information about the costs of the Account described herein is accurate as of 10/01/07. We may, at any time and for any reason, change, add or delete provisions of the governing financing agreement, including increasing fees. These changes will not affect existing balances but may affect future transactions. We will send you notice of any change as required by applicable law.
This is a No Interest Payment Plan. Minimum Monthly Payments are required. Contact your Casketorium Consultant for availability and requirements.
Promotional Plan. No Interest Payment Plan. No Fees if paid in full by required due date.
No Interest/No Fee Payment Plan - Applies to Purchases of $1000 or more made on an Account. Under the promotion, no finance charges will be assessed on the promotional Purchase as long as: (1) you pay the promotional Purchase amount in full within the promotional period as reflected on your sales slip and (2) you pay, when due, the Minimum
Payment on your Account, which includes a required Minimum Payment on the promotional Purchase. If you fail to satisfy either of the above conditions, all special promotional terms will be terminated and finance charges will be added to the remaining balance. If Payments on your Account are not paid when due, all special promotional terms may be terminated.
3210 West Street • Emeryville, CA 94608 • Call 510.385-4867 to make an appt.
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