5.8 At any time during the term you may repay all or any part of your loan before the due date for payment. Where you repay your loan in part, you must pay us, in addition to the amount repaid, interest on the amount repaid which will be accrued up to the date of repayment.
Where you wish to repay your loan in full, you must do so in accordance with condition 10.3.
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10.3 Where you or we end this agreement prior to the end of the term or where you choose to repay the loan prior to the expiry date, you must pay us the following amounts:-
(i) the outstanding principal balance;
(ii) all interest accrued but unpaid and all other costs or charges owing;
(iii) all interest and other amounts which would have been repayable up to the expiry date less a reduction in the total cost of credit pursuant to Section 52 or 53 or the Consumer Credit Act, 1995, so that you pay to us an amount equal to three monthly interest payments.