Common use of ANNUAL INTEREST RATE Clause in Contracts

ANNUAL INTEREST RATE. We will charge you interest on the Loan at a rate of % per annum. This is the only rate you will pay unless you are in default. The Annual Interest Rate is fixed for the full period of this Loan except as set out in clause 12.2(b)(iii) of the General Terms. If you have been referred to us by a dealer/broker/introducer (a Dealer) the interest rate that we charge may be determined by the Dealer (subject to a maximum rate set by us) and the Dealer may receive commission from us in addition to the Dealer/Broker/Introducer Fee which we charge you. The commission will be based on the interest rate determined by the Dealer. INTEREST FREE PERIOD There is no interest-free period under this Agreement GOODS Make or Manufacturer Vin Number Model Registration No Year of Manufacture Chassis/Serial No PARTICULARS OF INSURANCE Company Branch/Broker Expiry date C/N or Policy No. Amount $ CREDIT FEES AND CHARGES All credit fees and charges (including default charges) that you might need to pay us under this Agreement (which are not part of the LOAN AMOUNT in these Commercial Terms) are listed in the attached FEE SCHEDULE. If you do not pay an amount when it is due, we will also charge you interest at a Default Interest Rate. We give you information about the default interest charges in clause 5.1 of the General Terms. You should be aware that we can change the credit fees and charges you might have to pay under clause 12.2(b)(ii) of the General Terms. FULL PREPAYMENT You can pay the Loan back early by paying us the Full Prepayment Amount defined in clause 3.3(a) of the General Terms. The Full Prepayment Amount includes an Early Settlement Fee and an amount equal to our reasonable estimate of our loss arising from full prepayment (if any) – that is, a loss that relates to differences in interest rates. Our reasonable estimate of our loss will not be any more than an amount calculated using the formula set out in regulation 9 or regulation 11 of the Credit Contracts and Consumer Finance Regulations 2004.

ANNUAL INTEREST RATE. We will charge you interest on the Loan at a rate of 11.95% per annum. This is the only rate you will pay unless you are in default. The Annual Interest Rate is fixed for the full period of this Loan except as set out in clause 12.2(b)(iii12.2(b) (iii) of the General Terms. If you have been referred to us by a dealer/broker/introducer (a Dealer) the interest rate that we charge may be determined by the Dealer (subject to a maximum rate set by us) and the Dealer may receive commission from us in addition to the Dealer/Broker/Introducer Fee which we charge you. The commission will be based on the interest rate determined by the Dealer. INTEREST FREE PERIOD There is no interest-free period under this Agreement GOODS Make or Manufacturer Vin Number Model odel Registration No Year of Manufacture Chassis/Serial No GOODS M PARTICULARS OF INSURANCE Company Branch/Broker Expiry date C/N or Policy No. Amount $ CREDIT FEES AND CHARGES All credit fees and charges (including default charges) that you might need to pay us under this Agreement (which are not part of the LOAN AMOUNT in these Commercial Terms) are listed in the attached FEE SCHEDULE. If you do not pay an amount when it is due, we will also charge you interest at a Default Interest Rate. We give you information about the default interest charges in clause 5.1 of the General Terms. You should be aware that we can change the credit fees and charges you might have to pay under clause 12.2(b)(ii) of the General Terms. FULL PREPAYMENT You can pay the Loan back early by paying us the Full Prepayment Amount defined in clause 3.3(a) of the General Terms. The Full Prepayment Amount includes an Early Settlement Fee and an amount equal to our reasonable estimate of our loss arising from full prepayment (if any) – that is, a loss that relates to differences in interest rates. Our reasonable estimate of our loss will not be any more than an amount calculated using the formula set out in regulation 9 or regulation 11 of the Credit Contracts and Consumer Finance Regulations 2004.

ANNUAL INTEREST RATE. We will charge you interest on the Loan at a rate of % per annum. This is the only rate you will pay unless you are in default. The Annual Interest Rate is fixed for the full period of this Loan except as set out in clause 12.2(b)(iii12.2 (b)(iii) of the General Terms. If you have been referred to us by a dealer/broker/introducer (a Dealer) the interest rate that we charge may be determined by the Dealer (subject to a maximum rate set by us) and the Dealer may receive commission from us in addition to the Dealer/Broker/Introducer Fee which we charge you. The commission will be based on the interest rate determined by the Dealer. INTEREST FREE PERIOD There is no interest-free period under this Agreement JAGUAR FINANCIAL SERVICES ARE PROVIDED BY HEARTLAND BANK LIMITED. HEARTLAND BANK USES THE JAGUAR TRADEMARK UNDER LICENCE FROM JAGUAR LAND ROVER LIMITED, WHO IS THE REGISTERED PROPRIETOR OF THE TRADEMARK GOODS Make or Manufacturer Vin Number Model Registration No Year of Manufacture Chassis/Serial No PARTICULARS OF INSURANCE Company Branch/Broker Expiry date C/N or Policy No. Amount $ CREDIT FEES AND CHARGES All credit fees and charges (including default charges) that you might need to pay us under this Agreement (which are not part of the LOAN AMOUNT in these Commercial Terms) are listed in the attached FEE SCHEDULE. If you do not pay an amount when it is due, we will also charge you interest at a Default Interest Rate. We give you information about the default interest charges in clause 5.1 of the General Terms. You should be aware that we can change the credit fees and charges you might have to pay under clause 12.2(b)(ii) of the General Terms. FULL PREPAYMENT You can pay the Loan back early by paying us the Full Prepayment Amount defined in clause 3.3(a) of the General Terms. The Full Prepayment Amount includes an Early Settlement Fee administration fee and an amount equal to our reasonable estimate of our loss arising from full prepayment (if any) – that is, a loss that relates to differences in interest rates. Our reasonable estimate of our loss will not be any more than an amount calculated using the formula set out in regulation 9 or regulation 11 of the Credit Contracts and Consumer Finance Regulations 2004.

ANNUAL INTEREST RATE. We will charge you interest on the Loan at a rate of 9.95% per annum. This is the only rate you will pay unless you are in default. The Annual Interest Rate is fixed for the full period of this Loan except as set out in clause 12.2(b)(iii) of the General Terms. If you have been referred to us by a dealer/broker/introducer (a Dealer) the interest rate that we charge may be determined by the Dealer (subject to a maximum rate set by us) and the Dealer may receive commission from us in addition to the Dealer/Broker/Introducer Fee which we charge you. The commission will be based on the interest rate determined by the Dealer. INTEREST FREE PERIOD There is no interest-free period under this Agreement GOODS Make or Manufacturer Vin Number Model Registration No Year of Manufacture Chassis/Serial No PARTICULARS OF INSURANCE Company Branch/Broker Expiry date C/N or Policy No. Amount $ CREDIT FEES AND CHARGES All credit fees and charges (including default charges) that you might need to pay us under this Agreement (which are not part of the LOAN AMOUNT in these Commercial Terms) are listed in the attached FEE SCHEDULE. If you do not pay an amount when it is due, we will also charge you interest at a Default Interest Rate. We give you information about the default interest charges in clause 5.1 of the General Terms. You should be aware that we can change the credit fees and charges you might have to pay under clause 12.2(b)(ii) of the General Terms. FULL PREPAYMENT You can pay the Loan back early by paying us the Full Prepayment Amount defined in clause 3.3(a) of the General Terms. The Full Prepayment Amount includes an Early Settlement Fee and an amount equal to our reasonable estimate of our loss arising from full prepayment (if any) – that is, a loss that relates to differences in interest rates. Our reasonable estimate of our loss will not be any more than an amount calculated using the formula set out in regulation 9 or regulation 11 of the Credit Contracts and Consumer Finance Regulations 2004.

ANNUAL INTEREST RATE. We will charge you interest on the Loan at a rate of % per annum. This is the only rate you will pay unless you are in default. The Annual Interest Rate is fixed for the full period of this Loan except as set out in clause 12.2(b)(iii11.2(b)(iii) of the General Terms. If you have been referred to us by a dealer/broker/introducer (a Dealer) the interest rate that we charge may be determined by the Dealer (subject to a maximum rate set by us) and the Dealer may receive commission from us in addition to the Dealer/Broker/Introducer Fee which we charge you. The commission will be based on the interest rate determined by the Dealer. INTEREST FREE PERIOD There is no interest-interest free period under this Agreement Agreement. GOODS Make or Manufacturer Vin VIN Number Model Registration No Number Year of Manufacture Chassis/Serial No No. Make or Manufacturer VIN Number Model Registration Number Year of Manufacture Chassis/Serial No. Make or Manufacturer VIN Number Model Registration Number Year of Manufacture Chassis/Serial No. PARTICULARS OF INSURANCE Company Branch/Broker Expiry date Date C/N or Policy No. Amount $ CREDIT FEES AND CHARGES All credit fees and charges (including default charges) that you might need to pay us under this Agreement (which are not part of the LOAN AMOUNT in on page 1 of these Commercial Terms) are listed in the attached FEE SCHEDULE. If you do not pay an amount when it is due, we will also charge you interest at a Default Interest Rate. We give you information about the default interest charges in clause 5.1 of the General Terms. You should be aware that in some cases we can change the credit fees and charges you might have to pay under clause 12.2(b)(ii) of the General Terms. FULL PREPAYMENT You can pay the Loan back early by paying us the Full Prepayment Amount defined in clause 3.3(a) of the General Terms. The Full Prepayment Amount includes an Early Settlement Fee administration fee and an amount equal to our reasonable estimate of our loss arising from full prepayment (if any) – that any)-that is, a loss that relates to differences in interest rates. Our reasonable estimate of our loss will not be any more than an amount calculated using the formula set out in regulation 9 or regulation 11 of the Credit Contracts and Consumer Finance Regulations 2004.