Use My Account Data & Reset Fields

Use My Account Data checked and Do not remember product fields NOT checked

First time in product

Account data loads

I changed it

Second time in product

The changed info loads

Reset Fields will load the Account data

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Use My Account Data checked and Do not remember product fields checked

First time in product

Account data loads

I changed it

Second time in product

Account data loads

Reset Fields will load the Account data

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So bottom line is remember product fields has precedence over use my account data. If you always want account data then check off 'Do not remember product fields'