jl...we offer a .20% discount off the APR if payments are automatically deducted. This is an example of what we disclose:
The Annual Percentage Rate (APR) on this Note may be decreased by 0.20%, if the payments are automatically transferred from
my account. This reduction does not affect my monthly payment. If I default or discontinue the automatic transfer, I will no longer be eligible for the 0.20% reduction and my APR will revert to that which is shown on the face of this Note. The decrease/increase of the APR will take the form of fewer or more payments of the same amount.