| http://www.w3.org/ns/prov#value | - The disclosures can be given along with the card or with other account-opening material in a preprinted format; they need not be individually customized for each account.131 The Board, however, points to no evidence that the costs of initial disclosure to issuers of off-line unaccountable cards would be higher than the insignificant costs to issuers of the types of cards that would be subject to
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