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Information provided by ICTF and through ICTF channels does not constitute legal advice or specific recommendations. It is offered as general information only and not intended for use as legal advice on specific matters. Exchange of experience is to be used solely to facilitate the formation of individual business judgments based upon increased knowledge of past transactions. It does not imply in any manner that ICTF recommends any credit relationships be conducted or modified in any way. Under no circumstances shall members of ICTF give advice or otherwise attempt to influence the independent decision of other members in the extension of credit.

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