YOU ARE NOT REQUIRED TO ENTER INTO THIS REFUND ANTICIPATION
LOAN AGREEMENT MERELY BECAUSE YOU HAVE RECEIVED THIS INFORMATION.
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IF YOU DO SIGN A CONTRACT FOR A REFUND ANTICIPATION LOAN, YOU
WILL BE TAKING OUT A LOAN. YOU WILL BE RESPONSIBLE FOR REPAYMENT OF
THE ENTIRE LOAN AMOUNT AND ALL RELATED COSTS AND FEES, REGARDLESS
OF HOW MUCH MONEY YOU ACTUALLY RECEIVE IN YOUR TAX REFUND.
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IF YOU DO NOT TAKE OUT THIS REFUND ANTICIPATION LOAN, YOU ARE
ELIGIBLE TO RECEIVE A GROSS TAX REFUND OF APPROXIMATELY $ (insert
amount).
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IF YOU DO TAKE OUT THIS REFUND ANTICIPATION LOAN, YOU WILL BE
RESPONSIBLE TO PAY $ (insert amount) IN FEES FOR THE LOAN. AFTER THESE
FEES ARE PAID, YOU WILL RECEIVE APPROXIMATELY $ (insert amount) AS
YOUR LOAN.
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THE ESTIMATED ANNUAL PERCENTAGE RATE OF YOUR REFUND ANTICIPATION
LOAN IS (insert amount)%. THIS IS BASED ON THE ACTUAL AMOUNT OF TIME
YOU WILL BE LENT MONEY THROUGH THIS REFUND ANTICIPATION LOAN.
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IF YOU DO TAKE OUT THIS REFUND ANTICIPATION LOAN, YOU CAN EXPECT
TO RECEIVE YOUR LOAN WITHIN APPROXIMATELY TWO BUSINESS DAYS OF (insert
date).
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IF YOU DO NOT TAKE OUT THIS REFUND ANTICIPATION LOAN, YOU CAN
STILL RECEIVE YOUR TAX REFUND QUICKLY. IF YOU FILE YOUR TAX RETURN
ELECTRONICALLY AND RECEIVE YOUR TAX REFUND THROUGH THE MAIL, YOU CAN
EXPECT TO RECEIVE YOUR REFUND WITHIN APPROXIMATELY TWO BUSINESS DAYS
OF [insert date]. IF YOU FILE YOUR TAX RETURN ELECTRONICALLY AND HAVE
YOUR TAX REFUND DIRECTLY DEPOSITED INTO A BANK ACCOUNT, YOU CAN EXPECT
TO RECEIVE YOUR REFUND WITHIN APPROXIMATELY TWO BUSINESS DAYS OF (insert
date).
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