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This product guide is accurate as at the effective date of this document. AlphaBeta Money reserves the right to alter the policies at any time without notice. We will notify borrowers of changes in Accordance with their loan agreement and the national consumer credit protection act. WARNING: You must comply with all legal requirements. Non-compliance with the law may attract civil and/or criminal penalties. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.