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<p xid="2">An annual percentage rate (APR) of 13.9%<field footnote-id="1" props="text-position:superscript" type="footnote_ref" xid="3"/><foot footnote-id="1" xid="4">
<p xid="5"> The prime rate, as published in the Wall Street Journal on the first business day of the month, plus 7.0%. </p>
</foot>will be charged on all balances carried forward. </p>
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