| http://www.w3.org/ns/prov#value | - e (2) of section 7 and sections 20 and 21; or (3) from a consumer???s account to an account of the financial institution, such as a loan payment, provided that the financial institution shall be subject to clause (1) of section 7 and sections 20 and 21. (e) any transfer of funds which is initiated by a telephone conversation between a consumer and an officer or employee of a financial institution
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