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We may possibly provide such notice to you with your statement, electronically, or by mail. Any notice we supply to you will be binding and sent to the last email or postal address in our records. We may perhaps alter your address if we get an address adjust notice from the U.S. We may transform or terminate this Agreement without the need of notice at our discretion or to comply with any acceptable federal or state law or regulation. We have the right to set-off any liability, direct or contingent, previous, present or future that you owe against any account you have with us.

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