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3. In the case of an agreement under which:—
(a)three or more repayments are to be made at equal intervals; and
(b)the interval between the relevant date and the first repayment is greater than the interval between the repayments,
there may be included in the document a rate found under any of Regulations 7, 9 and 10 of the Total Charge for Credit Regulations as if the interval between the relevant date and the first repayment were shortened so as to be equal to the interval between the repayments.
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