[(1) Any provision of the rules which requires an office-holder to give a notice to creditors of an individual does not apply, in circumstances prescribed by the rules, in relation to opted-out creditors.
(2) Subsection (1)—
(a) does not apply in relation to a notice of a distribution or proposed distribution to creditors;
(b) is subject to any order of the court requiring a notice to be given to all creditors (or all creditors of a particular category).
(3) Except as provided by the rules, a creditor may participate and vote in
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