Fixed-Sum Loan Agreement regulated by the Consumer Credit Act 1974 This Agreement is made between: - Stonebridge Associated Colleges (SAC), 42 Ocean View Road, Bude, Cornwall, EX23 8ST ("the Creditor") and You, ("the Debtor") Name: kelly birkett Address: kelly birkett 35 arkle green sinfin derby de249nw GB KEY FINANCIAL INFORMATION Amount of Credit: �340 Duration of Agreement: 10 Total Amount Payable: �354.99 APR: 0% The amount of credit will be repaid by 10 instalments of �34.00. The first instalment is payable on the first banking day of each month and on the same date of each month thereafter. Any instalment due on a non banking day will be due on the following banking day. OTHER FINANCIAL INFORMATION Description of Goods/Services: Teaching Assistant Total cash price: �354.99 MISSING PAYMENTS Missing payments could have severe consequences and make obtaining credit more difficult. IMPORTANT - READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, the creditor cannot enforce this agreement without getting a court order. The Act also gives you a number of rights. You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement. If you would like to know more about your rights under the Act, contact either your local Trading Standards

Department or