Illinois Code § 205 ILCS 675/10

A revolving credit plan between a financial institution
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and a borrower shall be governed by the
laws of this State. All terms, conditions and other provisions of and
relating to a plan, including, without limitation, provisions relating to
the method of determining the outstanding unpaid indebtedness on which
interest is applied, time periods within which interest charges may be
avoided, change in terms, requirements, rights to charge and collect
attorneys' fees, court and collection costs and the computing of periodic
interest or charges, shall be and hereby are deemed to be material to the
determination of interest applicable to a plan under Illinois law, Section
85 of the National Bank Act and Sections 521
through 523 of the Depository Institutions Deregulation and Monetary Control Act of 1980.

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