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We may well supply such notice to you with your statement, electronically, or by mail. Any notice we supply to you will be binding and sent to the last email or postal address in our records. We may possibly adjust your address if we obtain an address transform notice from the U.S. We may well adjust or terminate this Agreement with no notice at our discretion or to comply with any suitable federal or state law or regulation. We have the proper to set-off any liability, direct or contingent, past, present or future that you owe against any account you have with us.