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[Music] thank you [Music] what about a change in terms okay so given them account opening disclosures youve listed everything thats required and now most of the time that those are relatively hardwired you just need to make sure that youre youre youre giving them exactly what your system is doing and what the legal obligations are what if youre going to change something after the fact okay so after the fact lets say the you know then youre you youre going to change the rules right and that that could be problematic for consumers its like well you told me this is how its going to work and now youre going to change something well first off you if youre going to take an act that is going to do a couple of these things look at what it says under uh letter A on page 32. if youre going to reduce the annual percentage yield or if youre going to adversely affect the consumer then you have to provide this notice you have to let them know in advance s
