If you do the math, they're quite the same actually, the only difference is that with Rishworth for example, they take the approx $9,300 in the beginning over a 3 month period and when you finish the 5 year contract (or more) you then receive it all back.
With the Parc contract, you're paid less each month but they don't take anything out initially and you don't receive the lump sum at the end of the 5 years.
So, at the end of the 5 year term, it's a complete wash… both are equal.
Kap