The amount of the financing, made in accordance with the provisions of this Agreement, is repayable with interest compounded monthly at an annual rate of SIX PERCENT (6%), in addition to a $50 file opening fee, in accordance with the following terms and conditions :

• a first payment must be made when the Borrower returns the "authorization" form to the Lender;
•  the table below details all payments to be made by the Borrower to the Lender:

The Borrower shall provide the Lender with details of the method of payment to be used for each payment. The Borrower shall also provide a second method of payment in the event that the first method does not work. The Borrower must provide the Lender with one of the following pieces of information so that payments can be taken automatically by the Lender on the dates indicated in the table above:

• credit card number, expiry date and verification code (see Appendix A);
• corresponding post-dated cheques payable to Groupe Inventarium; or
• a pre-authorized debit agreement (see "PAD" form in Appendix B).

 The Borrower may prepay the Loan Amount or any outstanding balance thereof, in whole or in part, at any time, without penalty.

Any amount so paid by way of prepayment shall be applied first to accrued and unpaid interest, if any, and then to principal.

Any amount due under the terms of the Agreement shall be paid without notice or demand to the Lender at the address indicated at the beginning of this Agreement, or at such other place as the Lender may indicate in writing to the Borrower.