Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to buy on credit without a credit card [title] Sign a reverse layaway (tm) agreement. [step] This involves a commitment on your end to make payments as agreed upon in a contract. Additionally, these payments are usually guaranteed by some form of collateral, such as pre-written checks.

Ending1: The lender will always lower the amount between payments (80 %) by making payments from the reverse layaway agreement. [substeps] The arrangement also gives the buyer a secure incentive to accept payment from the reverse layaway agreement. Ending2: [substeps] Because reverse layaway agreements don't state how much a personal loan means to a lender, you may not be able to use them when buying a home. The fact that an tm agreement does not state its purpose is questionable. Ending3: This gives the other party a good chance to match you in your level of collateral. [title] Assign responsibilities to the guarantor. Ending4: This is how you buy on credit using the reverse layaway (tm) process : [substeps] Find a retailer or service provider that offers the reverse layaway (tm) program. Complete the retailer's reverse layaway (tm) form.

Answer format: ending1/ending2/ending3/ending4