Introductory Text

1.Citation and commencement

2.Interpretation

3.Application

4.Total charge for credit

5.Calculation of the annual percentage rate of charge

6.Assumptions for calculation

Signature

SCHEDULE

Calculation of the Annual Percentage Rate of Charge

1.The annual percentage rate of charge (“APR”) is calculated by...

2.The equation referred to in paragraph 1 is— ∑ k...

3.For the purposes of paragraph 2— (a) the amounts paid...

Explanatory Note