... outside applicants非往来客户申请人 without formal approval未经正式批准 repayment arrangements还款计划（安排） ...
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without formal approval
未经正式批准
以上为机器翻译结果，长、整句建议使用 人工翻译 。
We will not assert the privilege in court without first following our own formal process, including review by a Justice Department committee and the personal approval of the Attorney General.
WHITEHOUSE: President Obama: Our Security, Our Values
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