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... can collectively lend his initial abilities from [Credit World] (Credit Limit, High-Interest Loans) to those around him who are no stronger than him, specifying their borrowing content, repayment ratio, and repayment time.

Repayment Ratio: from 0% to 20%.

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[Maximum number of people: 100. After all loans are repaid, the number resets.]

Branch Ability Two: Transfer Payment.

The maximum number of people for the Branch A ...

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