Using the standard for the Rule 12(b)(6) movement, the court treats the matters that are following real for purposes associated with motion. Plaintiff Vonnie T. Hudson, an Indiana resident, obtained a $300 loan from an Indiana ACE money Express shop on January 18, 2001. The note called Goleta National Bank of Goleta, Ca, due to the fact loan provider. The note required Hudson to settle an overall total of $345 on or before February 1, 2001, just two weeks later on. The $345 total included repayment regarding the $300 principal plus a $45 finance fee. The finance cost ended up being add up to the attention payable in the loan if it turned out made at a rate that is annual of%.