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  <rdfs:label>Credit and Loan Agreement</rdfs:label>
  <skos:definition>A Credit and Loan Agreement is a legally binding contract between a lender and a borrower that outlines the terms and conditions for the provision of credit or a loan. The agreement specifies key details such as the amount borrowed, interest rate, repayment schedule, and any collateral required, among other terms.</skos:definition>
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