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In this article, unless the context or subject matter otherwise requires: 1. 'Credit card' means and includes any credit card, credit plate, charge plate, courtesy card, or other identification card or device issued by a person to another person which may be used to obtain a cash advance or a loan or credit or to purchase or lease property or services on the credit of the issuer or of the holder; 2. 'Person' includes an individual, corporation, partnership or association, two or more persons having a joint or common interest or any other legal or commercial entity; 3. 'Issuer' means a person who issues a credit card or a debit card; 4. 'Holder' means a person to whom such a credit card or debit card is issued or who has agreed with the issuer to pay obligations arising from the use of a credit card or debit card issued to another person; 5. 'Unauthorized use' means use of a credit card or a debit card by a person other than the holder who does not have actual, implied or apparent authority from the holder for such use and from which use the holder receives no benefit; 6.

redit card or a debit card by a person other than the holder who does not have actual, implied or apparent authority from the holder for such use and from which use the holder receives no benefit; 6. 'Seller' means any person who honors credit cards or debit cards which may be used to purchase or lease property or services; 7. 'Lender' means any person who honors credit cards which may be used to obtain a cash advance or loan. 8. 'Improper use' means unauthorized use of a credit card or a debit card or use of a revoked, cancelled, expired or forged credit card or debit card at the premises of a seller or lender, to obtain a cash advance or loan, or to purchase or lease property or services, or an attempt to do so; 9. 'Debit card' means a card, plate or other similar device issued by a person to another person which may be used, without a personal identification number, code or similar identification number, code or similar identification, to purchase or lease property or services. The term does not include a credit card or a check, draft or similar instrument. 10. 'Secured credit card' means any credit card for which an issuer takes a pledge of a specifically identified

vices. The term does not include a credit card or a check, draft or similar instrument. 10. 'Secured credit card' means any credit card for which an issuer takes a pledge of a specifically identified interest-bearing deposit account as provided in section four hundred thirteen of the personal property law.