10.2 Notices made in writing shall be deemed to have been received by the other Party and/or the Factor if they are served against signature or sent by registered mail to the address of the Party and/or factor specified in the Contract and have elapsed 5 (five) calendar days since their publication. A notice digitally signed by the Party and/or the Factor and sent to the Party`s email address and/or the Factor specified in the Agreement shall be deemed to have been received by the Party and/or the Factor on the business day following the date of shipment. 4.4 If the Buyer wishes to order from factor transactions not specified in the Contract (e.g. B the introduction of changes in the Contract), the Buyer must pay the Factor the Contract Fee or any other fee according to the Factor Price List or, with the consent of the Buyer and the Factor, other Service Fees. Any lump sum payment charged for a hire purchase loan – although not an additional fee – has the effect of charging a portion of the cost until after the loan. This means that consumers repay less of their credit in previous months and years than with a bank or credit union loan. Hire-purchase is different from Layby because you take the item with you immediately and can pay interest. A hire-purchase agreement can flatter a company`s return on capital employed (ROCE) and return on investment (ROA). Indeed, the company does not have to use as much debt to repay its assets. It is advisable to read a hire-purchase agreement very carefully before committing to a contract.