PAWN TICKET (CUSTOMER RECEIPT)

Pawnbroking contracts are for a period of 6 months and are regulated by the Credit Contract Act 1981, Pawnbrokers Act 1908 # 141, Pawnbrokers Amendment Act 1981 # 84. You bring your goods to us and we agree on a loan amount. Interest on the loan then accumulates each month or part of a month that the contract runs. Interest is only payable at the time the contract is settled. We retain your goods until the contract is settled.

1. Before signing the Customer receipt, the borrower acknowledges that the Lender (ANDROS FINANCIAL LTD) has lent the Borrower the Amount of credit.

2. This means that the BORROWER agrees to pay the LENDER (ANDROS FINANCIAL LTD) the AMOUNT of credit (Amount Paid) plus Markup percent. Buyback sum must be paid BEFORE the END DATE. If the sum is not paid in time then the Lender (ANDROS FINANCIAL LTD) shall be entitled to charge penalty interest at the penalty interest rate calculated on a daily basis from the ENTRY DAY to the date payment of 1% per day.

3. The Buyback sum must be paid to the Lender at its place of business, which is at Unit X, 35Y St. Johns Rd, Meadowbank shopping centre, Auckland, New Zealand- by cash, EFTPOS or bank cheque.

4. In this section the terms of the Amount Paid, Buyback, Entry Day, End Day, and Markup percentage have the meanings as set in the Customer Receipt.