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所有實際年利率乃依據銀行營運守則所設定之淨現值計算方法計算。實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費(如適用)。第四条 保证人为借款人提供连带责任保证，出借人仅起诉借款人的，人民法院可以不追加保证
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