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More dramatically, the effective annual rate for multiple-installment loans spiked from 699 percent in the first quarter to 1,018 percent in the second quarter, falling to 900 percent in the third quarter and 513 percent in the fourth quarter, according to the presentation, though the related chart included a footnote warning of a low level of confidence in these figures due to suspected inaccurate, and unverifiable, reporting of average loan fees per $100 borrowed. The presentation also included an agency leaflet, revised in December 2012, depicting payday loans as the most expensive way to borrow money while indicating related interest costs of 450 percent to 700 percent. marinemotors.org/ ib biology guide
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