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Internet Payday Lending: How High-Priced Lenders Use the Internet to Mire Borrowers in Debt and Evade State Consumer Protections November 30, 2004 Executive Summary • Payday lending has expanded from check cashing outlets, pawn shops and payday loan outlets to the Internet. Loans are marketed, delivered and collected online at rates and terms that mire cashstrapped consumers in repeat borrowing at extremely high costs. Finance charges are in the $25 (650% APR) to $30 (780% APR) per $100 borrowed range, with built in loan flipping in many contracts. • Web sites marketing and/or delivering small loans are growing rapidly, with numerous referral sites feeding applications to actual lenders. Lenders are hard to locate, identify or contact. Some are licensed in their home states, while others hide behind anonymous domain registrations or are located outside the United States. • Banks are involved in Internet payday loans through the Automated Clearing House System (ACH) used to electronically deliver loans to consumers’ bank accounts and to withdraw payments. County Bank of Rehoboth Beach, DE, participates directly in Internet payday lending. • Internet payday lenders bypass state usury laws and consumer protections by locating in lax regulatory states and making loans without complying with licensing requirements or state protections in the borrower’s home state. State regulators, notably in Kansas, New York and Colorado, are beginning to enforce state usury and small loan laws against lenders making loans online to state consumers. • Payday loan applications made online expose consumers to privacy and security risks as bank account numbers, Social Security numbers, and other personal financial information are transmitted to lenders, often over unsecure web links. Privacy policies do not protect privacy. • Federal electronic banking laws and industry self regulatory rules for use of the Automated Clearing House (ACH) system do not adequately protect consumers who use electronic fund transfers to borrow and repay loans from bank accounts.
JOSEPH DUMBACHER Born in Indianapolis; live and work in Los Angeles EDUCATION University of Southern California – Los Angeles, CA MBA 1984 SELECTED SOLO AND TWO-PERSON EXHIBITIONS CULT | Aimee Friberg Exhibitions – sharp corners – San Francisco, CA 2014 (forthcoming) Curator’s Office – elsewhere – Washington, DC 2011 BackroomNY – Cut – New York, NY 2010 Patricia Faure Gallery – Pivot – Santa Monica, CA 2005 Fusebox – one to one – Washington, DC 2004 Corcoran Gallery of Art – Primary Properties – Washington, DC 2001 Fusebox – Joseph Dumbacher John Dumbacher paintings – Washington, DC 2001 Patricia Faure Gallery – Negotiating Boundaries – Santa Monica, CA 2000 Contemporary Art Center of Virginia: Missing Warp - Weft. A site installation collaboration with Sheila Hicks. Virginia Beach, VA 1999 SELECTED GROUP EXHIBITIONS Nan Rae Gallery Exhibitions at Woodbury University – In Direct Light – Burbank, CA 2013 Schema Projects – Drafted – Brooklyn, NY 2013 The Foggy Bottom Association – Arts in Foggy Bottom Outdoor Sculpture Exhibit – Washington, DC 2012 Shoshana Wayne Gallery – Chain Letter – Santa Monica, CA 2011 Curator’s Office – Mixology II: Photography – Washington, DC 2010 Civilian Art Projects – craigslist – Washington, DC 2008 Curator’s Office – 15 for Philip: Fifteen Artists Look at Arts Patron – Washington, DC 2008 California State University, Los Angeles – Chromaluxe – Los Angeles, CA 2006 Fusebox – Landscaping – Washington, DC 2005 The Brewery Project – Good Clean Fun – Los Angeles, CA 2005 Patricia Faure Gallery – Pink – Santa Monica, CA 2005 Gallery Four – ” I really want to see….” – Baltimore, MD 2005 1708 Gallery – Align – Richmond, VA 2004 Patricia Faure Gallery – Summer Camp – Santa Monica, CA 2004 The Mint Museums – Revelation – Charlotte, NC 2004 Patricia Faure Gallery – White on White – Santa Monica, CA 2004 Domestic Setting –Tinseltown – Los Angeles, CA 2003 Fusebox – The Three Phases of Fusebox: An Unstable Group Show – Washington, DC 2003
RecycleTech Corporation is an innovation-driven company utilizing the latest technology to provide solutions for recycling and waste reduction. Founded in 2004 as specialized recycler of EPS - Expanded Polystyrene, commonly known as Styrofoam™ - scrap material, RecycleTech Corp. has set up its first processing facility in Lakeland, Florida in 2005. In a partnership with the Solid Waste Division of Polk County, some 4,000 lbs of material is processed daily from the post-industrial "loose foam" scrap received from the local organizations.
Aeromotive 340 Stealth Fuel Pump Applications Guide 11169 *New Make / Model Year Pump Part No. Integra 1994-2001 Aeromotive 340 Stealth 11142 NSX 1991-2000 Aeromotive 340 Stealth 11141 RSX 2002-current Aeromotive 340 Stealth 11142 Chrysler/Dodge FWD 1984-1990 340 Stealth Pump Force Induction 11140 Dodge Stealth T/T 1991-1997 Aeromotive 340 Stealth 11141 Eagle Talon 1995-1998 AWD&FWD Aeromotive 340 Stealth 11142 340 Stealth Pump AWD Turbo 340 Stealth Pump FWD Turbo 11141 11142 1995-1998 AWD&FWD Aeromotive 340 Stealth 11142 1990-1994 AWD Turbo FWD Turbo Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 Lightning Pick Up 1999-2000 340 Stealth Pump 11142 (2) F150 1997-1998 1999-2004 340 Stealth Pump 340 Stealth Pump 11142 11142 Mustang 1985-1997 340 Stealth Pump except 96-97 Cobra 11140 Mustang Cobra 1996-1997 Aeromotive 340 Stealth 11142 Probe GT 1988-1992 1993-1997 Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 *Crown Vic/Mercury Marauder 2003-2004 Aeromotive 340 Stealth 11142 ACURA Chrysler/Dodge/Plymouth Turbo 1990-1994 Plymouth Laser Turbo Ford Truck Ford General Motors Buick Grand National / Regal 1982-1987 Aeromotive 340 Stealth 11169 Chevrolet Camaro 5.0L & 5.7L 1985-1992 Aeromotive 340 Stealth 11169 Corvette 5.0L & 5.7L 1982-1996 Aeromotive 340 Stealth 11169 GM Cars & Trucks 1985-1992 Aeromotive 340 Stealth 11169 Chevrolet & GMC Trucks 305 (5.0L) & 350 (5.7L) TBI engines* *Not for use with dual tanks 1987-1997 Aeromotive 340 Stealth 11169 1982-1995 Aeromotive 340 Stealth 11169 Pontiac Firebird 5.0L & 5.7L 1985-1992 Aeromotive 340 Stealth 11169 Fiero 2.8L 1985-1986 Aeromotive 340 Stealth 11169 GMC Cyclone 1991-1992 Aeromotive 340 Stealth 11169 Typhoon 1992-1993 Aeromotive 340 Stealth 11169 Saturn SC,SL,SW 1997-2002 Aeromotive 340 Stealth 11142 Accord 1990-1993 1994-1997 1998-2002 Aeromotive 340 Stealth Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 11142 Civic 1988-1991 1992-2000 Aeromotive 340 Stealth 11142 CRX 1989-1991 Aeromotive 340 Stealth 11141 Prelude 1985-1987 1992-1996 1997-2001 Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 1997-2001 Aeromotive 340 Stealth 11142 Miata 1994-1997 1999-2005 Aeromotive 340 Stealth Aeromotive 340 Stealth 11142 11142 MX6 1988-1992 1993-1997 Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 Protégé 1990-1991 1995-1998 Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11142 RX7 1986-1988 1989-1992 1993-1995 Aeromotive 340 Stealth Aeromotive 340 Stealth Aeromotive 340 Stealth 11141 11141 11141 S/T trucks (S-10, S-15, Sonoma, Blazer, Envoy) Honda Hyundai Tiburon Mazda 323 1986-1991 Aeromotive 340 Stealth 11141 3000 GT Twin Turbo 1991-1997 Aeromotive 340 Stealth 11141 Eclipse 1995-1998
altered without the written permission of Toyota Motor Corporation. 12 Camry ... a new 2012 Toyota Camry Hybrid Emergency Response Guide was published ... USING THE ELECTRICAL WIRING DIAGRAM Page 1 © Toyota Motor Sales, U.S.A., Inc. All Rights Reserved. USING TOYOTA WIRING DIAGRAMS Page 2 © Toyota Motor Sales, U.S.A., Inc. All Rights Reserved. USING TOYOTA WIRING DIAGRAMS Page 3 © Toyota Motor Sales, U.S.A., Inc. All Rights Reserved. USING TOYOTA WIRING DIAGRAMS Page 4 © Toyota Motor Sales, U.S.A., Inc. All Rights Reserved. USING TOYOTA WIRING DIAGRAMS Page 5 © Toyota Motor Sales, U.S.A., Inc. All Rights Reserved.
Toyota Corolla owners workshop manual By Haynes, J. H., and Chalmers-Hunt, B. L. 2003-2008 Toyota Corolla Workshop Service Manual 2003 2004 2005 2006 2007 2008 Toyota Corolla Workshop Service Manual This QUALITY manual is 100 percents COMPLETE, which means no MISSING/CORRUPT pages/ sections to freak you out! ... Toyota Tacoma FSM 5ZE-FE 1998-2000 Owners Manual Toyota Tercel 1996 Service Manual / Repair Manual www.dlpdfs.com/...toyota_corolla_workshop_service_manual.pdf Toyota Corolla Matrix 2003 Factory Service Repair Manual Download Toyota Corolla 2003 Owners Manual 2003 Toyota Matrix Service Manual Toyota Matrix 2003 Owners Manual ... Toyota Corolla Workshop Manual 2001 2002 2003 2004 2005 2006 2007 Toyota Corolla Service & Repair Manual 2003-2008 (Searchable, Printable, Single-file vrepairmanual.com/pdf/ff/Toyota_Corolla_Matrix_2003... DOWNLOAD HERE Toyota Corolla E11 Owners Workshop Manual 1997-2002 DOWNLOAD HERE Toyota Corolla E11 Owners Workshop Manual 1997 1998 1999 2000 2001 2002 Models covered: www.dlfiles24.com/pdf98/148164402-toyota_corolla_e11...
This product is controlled under the export regulations of the United States of America and Canada. The Governments of the United States of America and Canada may restrict the exportation or re-exportation of this product to certain destinations. For further information contact the U.S. Department of Commerce or the Canadian Department of Foreign Affairs and International Trade. The use of wireless devices and their accessories may be prohibited or restricted in certain areas. Always obey the laws and regulations on the use of these products. MOTOROLA and the Stylized M Logo are registered in the US Patent & Trademark Office. The Bluetooth trademarks are owned by their proprietor and used by Motorola, Inc. under license. All other product or service names are the property of their respective owners. © Motorola, Inc., 2004. 6809489A97-O
Successfully performing electrical work requires the ability to read and interpret many different types of drawings and diagrams. Understanding circuit symbols and components is another one of the basic building blocks needed to become an electrician. If an electrician misinterprets a drawing or diagram when wiring a house, devices could be incorrectly installed or even missed altogether. Knowing how to properly take information from an electrical drawing or diagram and apply it to the real world is essential for electricians. Lesson Outcomes The student will be able to: • Know the difference between a circuit drawing and a wiring diagram • Understand some basic symbols for schematic drawings and wiring diagrams • Produce a wiring diagram • Understand the difference between different types of diagrams • Know how to draw a basic floor plan with electrical symbols Assumptions Students will have been introduced to electrical equipment and terminology. In addition, they will understand: • Basic electrical circuits and theory • Branch circuit wiring • A basic top view floor plan Terminology Block diagram: a diagram of a system in which the principal parts or functions are represented by blocks connected by lines that show the relationships of the blocks.
2008 Pololu Corporation http://www.pololu.com/. Pololu. Pololu 3pi Robot Simplified Schematic Diagram page 1 of 1 rrc03a. D3a. RED. 2.21k. R26a. PD1. D3b. Pololu 3pi Robot Simplified Schematic Diagram J20 + VBAT 1 2 J7 reverse protection Q1 2 1 VIN POWER R4a 1k R4b 1k AVCC B2 2xAAA U3 PB2 (SS/OC1B) PB0 PB1 PB4 PB5 12 13 16 17 PB0 (CLKO/ICP1) PB1 (OC1A) PB4 (MISO) PB5 (SCK) PD2 PD4 PD7 32 2 11 PD2 (INT0) PD4 (XCK/T0) PD7 (AIN1) 1 3 10 9 15 1 VCC VCC 18 20 PD0 (RXD) PD1 (TXD) 30 31 PC0 (ADC0) PC1 (ADC1) PC2 (ADC2) PC3 (ADC3) PC4 (ADC4/SDA) PC5 (ADC5/SCL) ADC6 ADC7 19 22 VCC PD0 PD1 U4 C22 2.2 nF PC1 R13 220 VCC U5 C23 2.2 nF PC2 R14 ADC6 ADC7 220 J4 VCC VCC R15 10k R16 10k microcontroller U6 C24 2.2 nF 2 1 ATmega168 VBOOST 220 C32 0.1 uF 29 PC6 VCC PC6 (RESET) 33 GND 21 GND 5 GND 3 GND 2 Y1 20 MHz VCC 23 24 25 26 27 28 PB6 (XTAL1/TOSC1) PB7 (XTAL2/TOSC2) C18 0.1 uF C21 2.2 nF PC0 R12 6 4 AVCC AREF PD6 (OC0A/AIN0) PD5 (OC0B/T1) PB3 (MOSI/OC2A) PD3 (OC2B/INT1) 7 8 D6 5V zener VCC AVCC 14 PD6 PD5 PB3 PD3 D1b T1 D1a BLUE GND + BUZZER D5 BLUE VOUT pushbutton power circuit BZ1 L2 10 uH GND VIN VOUT 5.0 V linear regulator R33 1k GND B1 2xAAA BTN2 BTN1 + VIN VOUT 9.25 V boost switching regulator SW1 CHARGE VCC VBOOST PC3 R17 220 VCC C26 0.1 uF VCC VCC PB4 PB5 PC6 LCD1 Vss 1 VDD 2 Vo 3 R18 10k RS 4 R/W 6 PD4 DB0 8 R22 DB2 9 10k DB3 10 DB4 11 PB1 DB5 12 PB4 DB6 13 PB5 DB7 14 PD7 U8 reflectance sensor array and IR LED control 7 DB1 220 PB3 PB0 E 2 4 6 PC4 R19 PD2 5 J1 1 3 5 U7 C25 2.2 nF SW2 RESET AVRISP R25b 2.21k programming connection PD7 R25a 2.21k PD1 R26a 2.21k D4b T1 PC5 D3a RED R21 220 LEDON Q4 D3b T1 VCC VBOOST VCC U9 PB3 PD3 AIN1 AIN2 PWMA PD5 PD6 17 16 15 BIN1 BIN2 PWMB PC6 J6 B C R30 20k R31 20k 1 2 A 8x2 character LCD and user pushbuttons 21 22 23 19 VM1 VM2 VM3 ADC6 R27 1k R28 1k R29 1k R32 20k battery voltage sensing circuit 24 13 14 Vcc 20 AO1 AO1 1 2 AO2 AO2 5 6 BO1 BO1 11 12 BO2 BO2 VBAT LCD8X2 7 8 STBY 18 GND 3 4 9 10 PGND1 PGND1 PGND2 PGND2 C27 0.1 uF MO3 © 2008 Pololu Corporation http://www.pololu.com/ page 1 of 1 M2 MO4 MO2 MO1 M1 TB6612FNG motor driver and motors Pololu R20 220 R23 47k 1 2 R26b 2.21k D4a GREEN VCC J5 C28 0.1 uF rrc03a
SCHEMATIC DIAGRAM. (NATURAL GAS and ... Solid lines inside PCB are printed circuit board conductors and are not included in legend. 6. SCHEMATIC DIAGRAM. (NATURAL GAS and ... Solid lines inside PCB are printed circuit board conductors and are not included in legend. 6. Replace only with ...SCHEMATIC DIAGRAM. (NATURAL GAS and ... Solid lines inside PCB are printed circuit board conductors and are not included in legend. 6. Replace only with ...SCHEMATIC DIAGRAM. (NATURAL GAS and ... Solid lines inside PCB are printed circuit board conductors and are not included in legend. 6. Replace only with ...SCHEMATIC DIAGRAM. (NATURAL GAS and ... Solid lines inside PCB are printed circuit board conductors and are not included in legend. 6. Replace only with ...SCHEMATIC DIAGRAM. (NATURAL GAS and ... Solid lines inside PCB are printed circuit board conductors and are not included in legend. 6. Replace only with ...SCHEMATIC DIAGRAM. (NATURAL GAS and ... Solid lines inside PCB are printed circuit board conductors and are not included in legend. 6. Replace only with ...SCHEMATIC DIAGRAM. (NATURAL GAS and ... Solid lines inside PCB are printed circuit board conductors and are not included in legend. 6. Replace only with ...SCHEMATIC DIAGRAM. (NATURAL GAS and ... Solid lines inside PCB are printed circuit board conductors and are not included in legend. 6. Replace only with ...