COL120106

Exclusions. Use of Multiple Agreements to Obtain Higher Rate. Negotiable Promissory Notes Prohibited. Transferee Not Subject to Defenses Against Seller if Proper Notice of Transfer Given to Buyer. Balloon Payments. Restriction on Liability in Consumer Lease. Restrictions on Security in Sales or Leases. Cross-Collateral. Debt Secured by Cross-Collateral. No Assignment of Earnings. Referral Sales. Notice of Transfer. Attorneys' Fees. Limitation on Default Charges. CH. 2 CREDIT SALES