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Request. You should read it carefully and keep it for your records. AVAILABILITY OF TERMS. All of the terms described below are subject to change. If these terms change (other than the Annual Percentage Rate due to a fluctuation in the Index) and you decide, as a result, not to enter into an agreement with us, you are entitled to a refund of any fees you paid to us or anyone else in connection with your application. SECURITY INTEREST. We will take a mortgage on your home. You could lose your ho.

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