Common use of Annual Percentage Rate Clause in Contracts

Annual Percentage Rate. The cost of your credit as a yearly rate 24.00% DISCLOSURES REQUIRED UNDER THE FEDERAL TRUTH-IN-LENDING ACT Your Payment Schedule Will Be Amount of Payments When Payments Are Due: (PAYMENT DUE DATE) $1,020.00 YOUR PROMISE TO REPAY: To repay the loan we have made to you, you promise to pay Alpha Omega Consulting Group, Inc.("Lender") the amount financed shown in the Federal Truth in Lending Disclosure Statement ("Disclosure Statement") plus interest on the unpaid amount financed. We will begin charging interest on the date of this Agreement shown above. We will calculate the interst on a daily basis using the annual Percentage Rate by multiplaying the daily rate times the unpaid balance of the Amount Financed each day. We figure the daily rate by dividing the Annual Percentage Rate by 365 (or 366, in any leap year). You agree to repay the loan on the payment due date(s) shown in the Disclosure Statement ("Payment Due Dates"). If you have not repaid the loan after the Payment Due Date, you agree to pay interest, as provided by applicable law at the annual Percentage Rate shown in the disclosure Statement. Any payments you make will be applied first to any accrued interest, then to the principal, then to any other charges you owe us. You promise to pay us at the address shown above or at any other address we tell you in writing. METHOD OF PAYMENT AND SECURITY INTEREST: Today you gave us one or more personal checks ("check") for the payments show in the Payment Schedule of the disclosure Statement and dated as of the final Payment Due Date. You request and we agree to wait to present the Check(s) to your financial institution until the final Payment Due Date, except that you agree we do not need to wait and that we may immediately present the check to your financial institution if you do not make any other payments on or before their applicable Payment Due Date. You agree that we may process your check electronically (make an electronic withdrawl from your checking account) on or after the final Payment Due Date, if you do not process your check electronically (make an electronic withdrawl from your checking account) on or before their applicable Payment Due Date. If you do make an alternative payment of the full amount owing, we will accept it in substitution of the uncashed Check(s) and return the uncashed check to you. Your post-dated check(s) and Wave Assignment are security for this loan. You do not grant us any security interest in, and we waive any rights wihc may arise in, the deposit account upon which the Check(s) is/are drawn. RETURNED CHECK FEE/COST OF COLLECTION: I agree to pay a service charge of $25.00 for any returned check. If I fail to reimburse the creditor for the bad check, I understand I shall be held liable for all reasonable costs of collection as awarded by the court, including attorney fees which shall not exceed the amount of the loan ELECTRONIC FUNDS TRANSFER: Customer hereby agrees that the Company may choose to electronically debit their bank account for any and all monies due and owing to Company in lieu of present the Customer's check insturment for payment. NOTICE: See additional terms on page two of this Agreement for the more important information. This Agreement also contains an Arbitration Agreement. THE ARBITRATION PROVISION LIMITS CERTAIN RIGHTS, INCLUDING YOUR RIGHT TO PURSUE A CLAIM IN COURT AND YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PURSUE A CLAIM AS A CLASS ACTION. By signing below, you state that you have received a completed copy of this form. By signing, you also state that you have read, understand, and agreed to all terms of this entire Agreement, including additional pages. You agree that each page and its terms constitute the Agreement. 11/14/2005 11/14/2005 Borrower's Signature Date Lender's Signature

Annual Percentage Rate. The cost of your credit as a yearly rate 24.00% DISCLOSURES REQUIRED UNDER THE FEDERAL TRUTH-IN-LENDING ACT Your Payment Schedule Will Be Amount of Payments When Payments Are Due: (PAYMENT DUE DATE) $1,020.00 YOUR PROMISE TO REPAY: To repay the loan we have made Annual Percentage Rates applicable to youpurchases, you promise to pay Alpha Omega Consulting Groupcash advances, Inc.("Lender") the amount financed shown and balance transfers are disclosed in the Federal Truth Account Opening Disclosure that accompanies this Agreement. Any penalty rate that may be imposed is also disclosed in Lending the Account Opening Disclosure. These rates may be either fixed or variable as disclosed in the Account Opening Disclosure Statement ("Disclosure Statement") plus interest accompanying this Agreement. If the rate for your account is fixed, the rate charged on purchases, cash advances, balance transfers, and any penalty rate will be fixed and will not vary from month to month unless we notify you in advance that the rate will change. If the rate for your account is variable, as indicated in the accompanying Account Opening Disclosure, the rate charged on purchases, cash advances, balance transfers and any penalty rate may increase or decrease monthly on the unpaid amount financed. We will begin charging interest on the date of this Agreement shown above. We will calculate the interst on a daily basis using the annual Percentage Rate by multiplaying the daily rate times the unpaid balance first day of the Amount Financed each daybilling cycle (referred to as “Adjustment Dates”) as disclosed in the Account Opening Disclosure accompanying this Agreement. We figure Any such change will be based on an increase or decrease in the daily rate by dividing “Prime Rate” as published in the “Money Rates” section of the print edition of the Wall Street Journal (the “Index”). In the event that the Index set forth in the Account Opening Disclosure ceases to be published, changes in the Annual Percentage Rate by 365 (will be related to a comparable Index and we will inform you on your billing statement or 366through a separate notice. We may waive an increase in the Annual Percentage Rate when such an increase can be made, but such a waiver shall not be construed as a waiver of our right to increase the Annual Percentage Rate at a future date when entitled to do so. If the rate for your Account is variable, the Index in any leap year). You agree to repay the loan effect on the payment due date(sfirst day of the month that is one (1) month prior to the Adjustment Date shall be used to calculate the Annual Percentage Rate change effective on the Adjustment Date. For example, the Index in effect on February 1 shall be used to calculate the Annual Percentage Rate change effective in March. The initial rate on your account for certain types of transactions may be an introductory discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an Introductory Rate applies to your account, the rates, and the period of time it will be effective is shown in the Account Opening Disclosure Statement ("Payment Due Dates")accompanying this Agreement. If you have not repaid After the loan after Introductory Rate period expires, the Payment Due Date, you agree to pay interest, as provided by applicable law at the annual Annual Percentage Rate shown in the disclosure Statement. Any payments you make will be applied first to any accrued interest, then automatically increase to the principal, then to any other charges you owe us. You promise to pay us at rates that would ordinarily apply for that type of transaction based on the address shown above or at any other address we tell you in writing. METHOD OF PAYMENT AND SECURITY INTEREST: Today you gave us one or more personal checks ("check") for the payments show in the Payment Schedule of the disclosure Statement and dated as of the final Payment Due Date. You request and we agree to wait to present the Check(s) to your financial institution until the final Payment Due Date, except that you agree we do not need to wait and that we may immediately present the check to your financial institution if you do not make any other payments on or before their applicable Payment Due Date. You agree that we may process your check electronically (make an electronic withdrawl from your checking account) on or after the final Payment Due Date, if you do not process your check electronically (make an electronic withdrawl from your checking account) on or before their applicable Payment Due Date. If you do make an alternative payment of the full amount owing, we will accept it in substitution of the uncashed Check(s) and return the uncashed check to you. Your post-dated check(s) and Wave Assignment are security for this loan. You do not grant us any security interest in, and we waive any rights wihc may arise in, the deposit account upon which the Check(s) is/are drawn. RETURNED CHECK FEE/COST OF COLLECTION: I agree to pay a service charge of $25.00 for any returned check. If I fail to reimburse the creditor for the bad check, I understand I shall be held liable for all reasonable costs of collection as awarded by the court, including attorney fees which shall not exceed the amount of the loan ELECTRONIC FUNDS TRANSFER: Customer hereby agrees that the Company may choose to electronically debit their bank account for any and all monies due and owing to Company in lieu of present the Customer's check insturment for payment. NOTICE: See additional terms on page two of this Agreement for the more important information. This Agreement also contains an Arbitration Agreement. THE ARBITRATION PROVISION LIMITS CERTAIN RIGHTS, INCLUDING YOUR RIGHT TO PURSUE A CLAIM IN COURT AND YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PURSUE A CLAIM AS A CLASS ACTION. By signing below, you state that you have received a completed copy of this form. By signing, you also state that you have read, understand, and agreed to all terms of this entire Agreement, including additional pages. You agree that each page and its terms constitute the Agreement. 11/14/2005 11/14/2005 Borrower's Signature Date Lender's SignatureWe may also offer you a promotional Annual Percentage Rate for all or any part of your Account Balance, balance transfer, or future transactions. The period of time for which the promotional Annual Percentage Rate applies may be limited. Any applicable promotional Annual Percentage Rate, the corresponding periodic rates, and the period of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement.

Annual Percentage Rate. The cost of your credit as a yearly rate 24.00% DISCLOSURES REQUIRED UNDER THE FEDERAL TRUTH-IN-LENDING ACT Your Payment Schedule Will Be Amount of Payments When Payments Are Due: (PAYMENT DUE DATE) $1,020.00 YOUR PROMISE TO REPAY: To repay the loan we have made to you, you promise to pay Alpha Omega Consulting Group, Inc.("Lender") the amount financed shown in the Federal Truth in Lending Disclosure Statement ("Disclosure Statement") plus interest on the unpaid amount financed. We will begin charging interest on the date of this Agreement shown above. We will calculate the interst on a daily basis using the annual Percentage Rate by multiplaying the daily rate times the unpaid balance of the Amount Financed each day. We figure the daily rate by dividing the Annual Percentage Rate by 365 (or 366, in any leap year). You agree to repay the loan on the payment due date(s) shown in the Disclosure Statement ("Payment Due Dates"). If you have not repaid the loan after the Payment Due Date, you agree to pay interest, as provided by applicable law at the annual Percentage Rate shown in the disclosure Statement. Any payments you make will be applied first to any accrued interest, then to the principal, then to any other charges you owe us. You promise to pay us at the address shown above or at any other address we tell you in writing. METHOD OF PAYMENT AND SECURITY INTEREST: Today you gave us one or more personal checks ("check") for the payments show in the Payment Schedule of the disclosure Statement and dated as of the final Payment Due Date. You request and we agree to wait to present the Check(s) to your financial institution until the final Payment Due Date, except that you agree we do not need to wait and that we may immediately present the check to your financial institution if you do not make any other payments on or before their applicable Payment Due Date. You agree that we may process your check electronically (make an electronic withdrawl from your checking account) on or after the final Payment Due Date, if you do not process your check electronically (make an electronic withdrawl from your checking account) on or before their applicable Payment Due Date. If you do make an alternative payment of the full amount owing, we will accept it in substitution of the uncashed Check(s) and return the uncashed check to you. Your post-dated check(s) and Wave Assignment are security for this loan. You do not grant us any security interest in, and we waive any rights wihc may arise in, the deposit account upon which the Check(s) is/are drawn. RETURNED CHECK FEE/COST OF COLLECTION: I agree to pay a service charge of $25.00 for any returned check. If I fail to reimburse the creditor for the bad check, I understand I shall be held liable for all reasonable costs of collection as awarded by the court, including attorney fees which shall not exceed the amount of the loan ELECTRONIC FUNDS TRANSFER: Customer hereby agrees that the Company may choose to electronically debit their bank account for any and all monies due and owing to Company in lieu of present the Customer's check insturment for payment. NOTICE: See additional terms on page two of this Agreement for the more important information. This Agreement also contains an Arbitration Agreement. THE ARBITRATION PROVISION LIMITS CERTAIN RIGHTS, INCLUDING YOUR RIGHT TO PURSUE A CLAIM IN COURT AND YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PURSUE A CLAIM AS A CLASS ACTION. By signing below, you state that you have received a completed copy of this form. By signing, you also state that you have read, understand, and agreed to all terms of this entire Agreement, including additional pages. You agree that each page and its terms constitute the Agreement. 11/14/2005 11/14/2005 BorrowerXxxxxxxx's Signature Date LenderXxxxxx's Signature

Annual Percentage Rate. The cost of your credit as a yearly rate 24.00391.07% DISCLOSURES REQUIRED UNDER THE FEDERAL TRUTH-IN-LENDING ACT Your Payment Schedule Will Be Amount of Payments When Payments Are First Payment is Due: (PAYMENT DUE DATE) SAME DAY EACH $1,020.00 230.00 YOUR PROMISE TO REPAY: To repay the loan we have made to you, you promise to pay Alpha Omega Consulting Group, Inc.("Lender"Group ('Lender') the amount financed shown in the Federal Truth in Lending Disclosure Statement ("'Disclosure Statement"') plus interest on the unpaid amount financed. We will begin charging interest on the date of this Agreement shown above. We will calculate the interst interest on a daily basis using the annual Annual Percentage Rate by multiplaying the daily rate times the unpaid balance of the Amount Financed each day. We figure the daily rate by dividing the Annual Percentage Rate by 365 (or 366, in any leap year). You year).You agree to repay the loan on the payment due date(s) shown in the this Disclosure Statement ("Payment Due Dates"). If you have not repaid the loan after the Payment Due Date, you agree to pay interest, as provided by applicable law at the annual Percentage Rate shown in the disclosure this Disclosure Statement. Any payments you make will be applied first to any accrued interest, then to the principal, then to any other charges you owe us. You promise to pay us at the address shown above or at any other address we tell you in writing. METHOD OF PAYMENT AND SECURITY INTERESTCOLLECTION COSTS: Today you gave us one or more personal checks ("check") for In the payments show event of default, the undersigned specifically agrees to pay all reasonable attorneys fees and court costs in the Payment Schedule event legal action is taken to collect on the account. The undersigned further agrees to pay an additional amount representing fifty percent (50%) of the disclosure Statement and dated as principal balance if the account is referred to a collection agency or attorney for collection. This additional amount is in recognition of the final Payment Due Datecosts associated with said collection action processing. You request The undersigned personally, jointly, severally, and we agree unconditionally guarantee and promise to wait pay to present the Check(s) to your financial institution until the final Payment Due DateAlpha Omega Consulting Group on demand, except that you agree we do not need to wait any and that we may immediately present the check to your financial institution if you do not make all indebtedness. This is a continuing and ongoing guarantee for services rendered and hereby are unaffected by any other payments on or before their applicable Payment Due Date. You agree that we may process your check electronically (make an electronic withdrawl from your checking account) on or after the final Payment Due Date, if you do not process your check electronically (make an electronic withdrawl from your checking account) on or before their applicable Payment Due Date. If you do make an alternative payment change in terms of the full amount owingoriginal indebtedness between the parties. All payments are payable in XXXXXXXX County, we will accept it in substitution of the uncashed Check(s) and return the uncashed check to you. Your post-dated check(s) and Wave Assignment are security for this loan. You do not grant us any security interest in, and we waive any rights wihc may arise in, the deposit account upon which the Check(s) is/are drawnUtah. RETURNED CHECK FEE/COST OF COLLECTION: I agree to pay a A minimum service charge of $25.00 40.00 may be collected in connection with any check or other instrument that is dishonored after presenting the instrument for any returned checkpayment. If I fail In addition, we will seek to reimburse the creditor for the bad checkcollect all amounts (penalties, I understand I shall be held liable for all reasonable costs of collection as awarded check charges, service costs, etc.) allowed by the courtlaw. (7-15-1, including attorney fees which shall not exceed the amount of the loan U.C.A.). ELECTRONIC FUNDS TRANSFER: Customer hereby agrees that the Company may choose to electronically debit their bank account for any and all monies due and owing to Company in lieu of present the Customer's check insturment for payment. NOTICE: See additional terms on page two of this Agreement for the more important information. This Agreement also contains an Arbitration Agreement. THE ARBITRATION PROVISION LIMITS CERTAIN RIGHTS, INCLUDING YOUR RIGHT TO PURSUE A CLAIM IN COURT AND YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PURSUE A CLAIM AS A CLASS ACTION. By signing below, you state that you have received a completed copy of this formAgreement. By signing, you also state that you have read, understand, and agreed to all terms of this entire Agreement, including attached additional pagespages if any. You agree that each page and its terms constitute the Agreement. 11/14/2005 11/14/2005 Borrower3/3/2009 3/3/2009 Xxxxxxxx's Signature Date LenderXxxxxx's Signature Date 3/3/2009 Co-Borrower's Signature

Annual Percentage Rate. The cost of your credit as a yearly rate 24.00469.29% DISCLOSURES REQUIRED UNDER THE FEDERAL TRUTH-IN-LENDING ACT Your Payment Schedule Will Be Amount of Payments When Payments Are Due: (PAYMENT DUE DATE) $1,020.00 236.00 YOUR PROMISE TO REPAY: To repay the loan we have made to you, you promise to pay Alpha Omega Consulting Group, Inc.("Lender") the amount financed shown in the Federal Truth in Lending Disclosure Statement ("Disclosure Statement") plus interest on the unpaid amount financed. We will begin charging interest on the date of this Agreement shown above. We will calculate the interst on a daily basis using the annual Percentage Rate by multiplaying the daily rate times the unpaid balance of the Amount Financed each day. We figure the daily rate by dividing the Annual Percentage Rate by 365 (or 366, in any leap year). You agree to repay the loan on the payment due date(s) shown in the Disclosure Statement ("Payment Due Dates"). If you have not repaid the loan after the Payment Due Date, you agree to pay interest, as provided by applicable law at the annual Percentage Rate shown in the disclosure Statement. Any payments you make will be applied first to any accrued interest, then to the principal, then to any other charges you owe us. You promise to pay us at the address shown above or at any other address we tell you in writing. METHOD OF PAYMENT AND SECURITY INTEREST: Today you gave us one or more personal checks ("check") for the payments show in the Payment Schedule of the disclosure Statement and dated as of the final Payment Due Date. You request and we agree to wait to present the Check(s) to your financial institution until the final Payment Due Date, except that you agree we do not need to wait and that we may immediately present the check to your financial institution if you do not make any other payments on or before their applicable Payment Due Date. You agree that we may process your check electronically (make an electronic withdrawl from your checking account) on or after the final Payment Due Date, if you do not process your check electronically (make an electronic withdrawl from your checking account) on or before their applicable Payment Due Date. If you do make an alternative payment of the full amount owing, we will accept it in substitution of the uncashed Check(s) and return the uncashed check to you. Your post-dated check(s) and Wave Assignment are security for this loan. You do not grant us any security interest in, and we waive any rights wihc may arise in, the deposit account upon which the Check(s) is/are drawn. RETURNED CHECK FEE/COST OF COLLECTION: I agree to pay a service charge of $25.00 for any returned check. If I fail to reimburse the creditor for the bad check, I understand I shall be held liable for all reasonable costs of collection as awarded by the court, including attorney fees which shall not exceed the amount of the loan loan. ELECTRONIC FUNDS TRANSFER: Customer hereby agrees that the Company may choose to electronically debit their bank account for any and all monies due and owing to Company in lieu of present the Customer's check insturment for payment. NOTICE: See additional terms on page two of this Agreement for the more important information. This Agreement also contains an Arbitration Agreement. THE ARBITRATION PROVISION LIMITS CERTAIN RIGHTS, INCLUDING YOUR RIGHT TO PURSUE A CLAIM IN COURT AND YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PURSUE A CLAIM AS A CLASS ACTION. By signing below, you state that you have received a completed copy of this formAgreement. By signing, you also state that you have read, understand, and agreed to all terms of this entire Agreement, including attached additional pages. You agree that each page and its terms constitute the Agreement. 11/14/2005 11/14/2005 BorrowerXxxxxxxx's Signature Date LenderXxxxxx's Signature