FINANCE FORM

• 0 Down Payment ** • Save Time by Applying Online • Safe to Apply - Apply now! NO INTEREST IF PAID IN FULL WITHIN 6, 12 or 18 MONTHS* On $600, $1,000, $1,500 purchases made with your Bedder Mattress credit card account between 1/1/18 to 12/31/18. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. • Purchases of $600 or more qualify for 6 month WDPI offer • Purchases of $1000 or more qualify for 12 month WDPI offer • Purchases of $1500 or more qualify for 18 month WDPI offer • Minimum monthly payments required for WDPI. -- OR -- 0% APR FOR 24, 48 or 60 MONTHS* On purchases of $2,000 or more made with your Bedder Mattress credit card between 10/1/19 to 12/31/20. • Purchases of $2000 or more qualify for 24 month EPNI offer • Purchases of $3000 or more qualify for 48 month EPNI offer • Purchases of $4000 or more qualify for 60 month EPNI offer • Equal Monthly Payments required for 24, 48 or 60 months. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99% Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their application terms. Subject to credit approval. Subject to change without notice. Contact or Visit a store for details. Fill out an online application now! * Offer applies only to single-receipt qualifying purchases. ** Bedder Mattress does not require a down payment if the purchase is made with your Bedder Credit Card by Synchrony Bank. WPDI: With Payments Deferred Interest.

BEDDER “NO CREDIT CHECK”

Poor Credit? No Problem. Apply Today, Get a Response in Seconds‏. No Credit Check for bad, or no credit. $39 deposit gets you approved to reestablish your credit worthiness. We understand that the last few years have been very difficult and many prospective customers do not qualify for traditional bank financing. They need an alternative program to finance their purchase. To meet the unique needs of those with poor credit, Bedder Finance utilizes both standard credit bureau reporting and non-traditional repayment indicators (e.g., how patrons have managed their bank accounts). The combination results in up to 80% of customers being approved. • Save Time by Applying Online • Instant approvals for quick responses • Safe to Apply - Apply now! • 12 and 24 Month Term • No Paystubs or Bank Statements Required • Instant approvals for quick responses • Approval amounts up to $5,000 • $40.00 Down Payment Required • No Paystubs or Bank Statements Required • 90 Days Early Payoff Savings • Approval amounts up to $5,000 • 18 years of age or older • Open and active checking account for the past 90 days • Income deposited to checking account Installment payments will be a positive credit rating by reporting to the Transunion Credit agency. † Approved amount is determined by banking information, employment information and other factors. Contact or Visit a store for details. Fill out an online application now! NO INTEREST WILL BE CHARGED ON THE PROMOTIONAL PURCHASE IF YOU PAY THE PROMOTIONAL PURCHASE AMOUNT IN FULL WITHIN THE PROMOTIONAL PERIOD WHICH MAY BE 6,12 OR 18 MONTHS. IF YOU DO NOT, INTEREST WILL BE CHARGED ON THE PROMOTIONAL PURCHASE FROM THE PURCHASE DATE. DEPENDING ON THE PURCHASE AMOUNT, PROMOTION LENGTH, AND PAYMENT ALLOCATION, THE REQUIRED MINIMUM MONTHLY PAYMENTS MAY OR MAY NOT PAY OFF PURCHASE BY THE END OF THE PROMOTIONAL PERIOD. EPNI: Equal Payments No Interest. FOR EQUAL MONTHLY PAYMENTS, NO INTEREST WILL BE CHARGED ON PROMO PURCHASE AND EQUAL MONTHLY PAYMENTS ARE REQUIRED EQUAL TO INITIAL PROMO PURCHASE AMOUNT DIVIDED EQUALLY BY THE NUMBER OF MONTHS IN PROMO PERIOD UNTIL PROMO IS PAID IN FULL. THE EQUAL MONTHLY PAYMENT WILL BE ROUNDED TO THE NEXT HIGHEST WHOLE DOLLAR AND MAY BE HIGHER THAN THE MINIMUM PAYMENT THAT WOULD BE REQUIRED IF THE PURCHASE WAS A NON-PROMOTIONAL PURCHASE.