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Which of the following would NOT affect the Effective Annual interest Rate ( EAR ) charged on a loan? ( choose one ) : the

Which of the following would NOT affect the Effective Annual interest Rate (EAR) charged on a loan? (choose one): the quoted annual percentage rate
the frequency of compounding
other service charges
whether or not interest is charged on a discount basis
whether your loan is negotiated by a bank or a credit union

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