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Ge for the interest rate of % is included in “Our origination charge.” (See item 1 above.) c You receive a credit of $ for this interest rate of %. This credit reduces your settlement charges. c You pay a charge of $ for this interest rate of %. This charge (points) increases your total settlement charges. The tradeoff table on page 3 shows that you can change your total settlement charges by choosing a different interest rate for this loan. A Your Adjusted Originatio.

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