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R 385.00
means a credit agreement entered into by a consumer to finance costs arising from or associated with—
(a) | a death, illness or medical condition; |
(b) | unexpected loss or interruption of income; or |
(c) | catastrophic loss of or damage to home or property due to fire, theft, or natural disaster, |
affecting the consumer, a person who is dependent upon the consumer or a person for whom the consumer is financially responsible;