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'ABC of Credit' is not a bank, lender or loan broker. 'ABC of Credit' provides a free contact service only and is not acting as an agent or representative for any lender. By applying, this does not obligate 'ABC of Credit', its authorized affiliates, lenders, brokers, successors and/or assigns to make a loan to any applicant, nor does it imply an offer to lend or loan to any applicant.