Sections 408.400 to 408.415 are not applicable to: (1) An instrument or other writing which evidences a loan or indebtedness to a lender or person, other than a seller or lessor, which was not arranged by a seller or lessor, the proceeds of which are used by the buyer or lessee to satisfy an obligation to a seller or lessor; (2) Credit card sales on a credit card issued by an issuer other than the seller.
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