Historical Example. The following table shows how the Annual Percentage Rate and the monthly payments for a single $10,000.00 credit advance would have changed based on changes in the index since 2007. The index is from The Wall Street Journal from the first business day of March of each year. While only one payment amount per year is shown, payments may have varied during the year. The table assumes that no additional credit advances were taken, that only the minimum payments were made, and that the rate remained constant during the year. It does not necessarily indicate how the index or your payments will change in the future. ANNUAL (1) RATE Period Payment 2007 8.25 0.49 8.74% DRAW $100.00(2) 2008 6.00 0.49 6.49% DRAW $100.00(2) 2009 3.25 0.49 3.74% DRAW $100.00(2) 2010 3.25 0.49 3.74% DRAW $100.00(2) 2011 3.25 0.49 3.74% DRAW $100.00(2) 2012 3.25 0.49 3.74% DRAW $100.00(2) 2013 3.25 0.49 3.74% DRAW $100.00(2) 2014 3.25 0.49 3.74% DRAW $100.00(2) 2015 3.25 0.49 3.74% DRAW $100.00(2) 2016 3.50 0.49 3.99% DRAW $100.00(2) 2017 3.75 0.49 4.24% REPAYMENT $7.98 2018 4.50 0.49 4.99% REPAYMENT $8.37 2019 5.50 0.49 5.99% REPAYMENT $8.86 2020 4.75 0.49 5.24% REPAYMENT $8.51 2021 3.25 0.49 3.74% REPAYMENT $7.89
