OAC, Finance fee of            included in payment, cost of credit term:

$20,275

OAC, Finance fee of            included in payment, cost of credit term:

$10,031

OAC, Finance fee of            included in payment, cost of credit term:

$20,470

OAC, Finance fee of            included in payment, cost of credit term:

$27,206

OAC, Finance fee of            included in payment, cost of credit term:

$19,045