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What is the amount of charge that should be used in the Interest Calculator for Improper Charges? The full amount of charge including the portion

What is the amount of charge that should be used in the Interest Calculator for Improper Charges?
The full amount of charge including the portion that the customer should pay.
The difference between the incorrect fee charged to the customer and the intended fee.
The full amount charged to the customer if the charge was provided in an agreement with customers prior express consent.

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