You then have two days to accept the transfer before the request will expire. Please contact a Member Service Representative via chat or secure message, or call 210-945-3300 to resolve this issue. What began as a financial institution for members of the military and their families is now one of the largest credit unions in Texas. The RBFCUsend verbiage is found in the following areas: RBFCUsend is a person-to-person program that allows RBFCU debit cardholders to send money quickly and securely to non-RBFCU debit cardholders. You can enroll, opt out, or change the designated receiving account at any time via RBFCU representative. An overdraft fee of up to $32.50 per item may be charged for covering each overdraft that results in a negative balance at the end of the day. RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. What should I do? What is 'Quick Balance' and how do I enable it on the RBFCU Mobile app? Courtesy Pay, sometimes also known as overdraft protection, provides a level of protection against being declined at the checkout line and avoids the embarrassment and cost of having a returned check. There will be a fee for each covered overdraft transaction. Select Submit, and Yes when prompted Are you sure you want to change the associated account?. I currently have IDProtect. Youll receive a prompt that explains the terms of the loan youre requesting. Are my safe deposit box contents insured? My Apple device is lost or was stolen and I want to delete my card. . That means, instead of returning a check to the merchant because . Sign in to your Online Banking account, navigate to View Services, then click Identity Protection under the Settings header to make your coverage selection. If you are a MemberSafe user, your cell phone bill must be paid using your RBFCU Checking, Savingsor Credit Cardaccount to qualify for the Cellular Telephone Protection service. Any alternate website that you visit by a link from RBFCU's website is solely the responsibility of that entity. Select the childs profile from which youd like to unassign a task. Your computer or device will reflect the time zone where you reside. More information is available at http://www.samsung.com/us/samsung-pay/. Select Submit, and Yes to confirm the transfer. Sign in to your Online Banking account with the. Weve collected some of the most frequently asked questions about our banking products and services, and grouped them by topic to make it easier for you to access the information you need to make informed financial decisions. Each loan must be paid in full before your child can request a new one. Call us: (210) 945-3300. rbfcu.org Joined February 2009. By selecting See loan details, they can also view the amortization schedule for the loan they are requesting. How can I receive an annual statement for my Mastercard credit card? How does my child submit their grades for a reward? No. Standard Courtesy Pay coverage comes with your account to cover checks and other transactions using your checking account number such as automatic bill payments by ACH. What is a courtesy pay limit Rbfcu? Can I use STAR if I care for a child, but I'm not their parent? Tap Quick Balance to bring up the feature. Third-party links accessed from this site are provided for the convenience of RBFCU members. Open the RBFCU Mobile app on your phone, and tap Having Trouble Signing In? Follow the prompts to reset your username or password. Endorse your check by signing your name on the back, then add "For mobile deposit only," your account number and the date. For any supported Apple device, you can always go to https://www.icloud.com/#settings, choose the applicable device and delete your Card(s). Online: Sign in to your Online Banking account . If youre transferring funds to another persons account, you will need the account holders name, their account number, their financial institutions routing number and their account type to complete the transfer details. Transfers include those made using online/mobile banking, phone or automatic overdraft protection from a Money Market account. Instead, purchases are authorized using an encrypted security code and the members fingerprint. RBFCU accepts the following forms of identification: United States Drivers License, U.S. state ID card (issued by the DMV), military ID, passport with photo (in English), passport card, U.S. civil service card, Concealed Handgun License (Texas) same as A License to Carry (Texas). Review the amounts to be paid to your child for each A, B and C grade. In the Frequency field, select the frequency youd like your child to receive their allowance. On the Account Summary page, tap New Account under Deposit Accounts.. What account types can be used can be used as a transaction account with STAR? Select a task from the drop-down list, or enter your own custom task and select an accompanying image. What happens to my child's and my information when we unregister from the STAR program? There, members will select the Member Services link. with both products. If youre registered, here are the steps: If youre not already registered, see How do I enroll in the STAR program?. If you believe your device or Apple Pay information has been lost, stolen or compromised in any way, call RBFCU Member Services immediately at the number on the back of your card. Do I have to start taking IRA distributions at a certain age? If you send to this account frequently, check the Add to Favorites box to save it for next time. For ACH and Electronic Check processing, credit transactions are posted first throughout the day followed by debit transactions, regardless of the dollar amount of the item. In the Amount Paid field, enter the amount youd like to be paid for completing this task. When am I eligible to enroll in the Round Up program? To locate your nearest RBFCU branch or ATM: You can change permissions to allow or deny apps to use various features on your phone, such as your camera or contacts list in your phones Settings. We use cookies to analyze and improve website use, and assist in overall user experience. Each transaction plus the applicable NSF fee must be within your current courtesy pay limit in order to be paid. Money requests should be used for smaller items, such as lunch money or money to go out with friends. Once you have signed up for MemberSafe services through your Online Banking account, you will be given access information to membersafe.rbfcu.org. Members account activity for the transfer and fee. Samsung Pay cannot be used at the ATM or at any payment terminal that requires you to insert your card into the reader (e.g. According to Cushion's analysis, the average courtesy pay fee costs $27.30, most often running $25, $29, or $30 per overdraft charge. You may complete as many transfers as you wish from your savings or checking account to other accounts, or in person at a local branch, as long as you stay within your available balance. In the Allowance Date field, enter the date youd like your child to start receiving their allowance. Please refer to What is required in order for my child(ren) and I to enroll in the STAR program? for additional information. There could be times that the program may flag a deposit for manual review and release by credit union personnel (i.e., image is not clear when received at the credit union). No. Making an early withdrawal on a certificate may incur penalties. How can I view my investments and accounts through RBFCU's Online Banking and the RBFCU Mobile app? When the account balance is zero, negative, or becomes zero after the round-up transaction, the application does not round to the next dollar amount. You can opt-in to Courtesy Pay within Digital Banking or call us at 800-347.CCCU (2228). Is Samsung Pay more secure than my traditional card? The Remember Me option works in two distinct ways, based on your mobile devices capabilities. All STAR transactions will be posted to the associated parent and child accounts with the transaction description STAR transfer.. How do I know what is covered under the Cellular Telephone Protection? How can I manage permission settings for the RBFCU Mobile app on my device? What if I do not have an email address when I apply for an account or a loan? In order to protect you and your account, RBFCU must identify the transacting person on an account each time a transaction is made. You must have an active RBFCU account in good standing. What happens to the interest charged to my child for their loan? Select Deny if the task has not been completed. I currently have IDProtect Plus. Only one loan can be requested/open at a time. When you use Apple Pay, your RBFCU card number isnt stored on your phone or given to the merchant. How do I know if I am eligible? RBFCU pulls TU for membership and for all products. You can view your place on the leaderboard for your household and your place on the leaderboard for all STAR program participants at RBFCU. Out of all of the credit unions and banks I've dealt with (5+), I am most pleased with RBFCU. How do I turn on the 'Remember Me' option in the RBFCU Mobile app? In the Loan Term field, select a loan term. Tap the "Front" and "Back" camera icons to take photos of the front and back of the check using your mobile devices camera, and follow the prompts. Courtesy Pay is assessed at $30 per-item. *Under the Everyday Debit Courtesy Pay option, a $30 overdraft fee will be assessed per presentment of one-time debit card and ATM transactions of $15.01 or more. For iPhone or iPad, you can go to the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. What are the minimum system requirements necessary to use Mobile Deposit? @My highest limit on cc at my time of apps was $9,600. Blended rate structure, resulting in the highest earnings on balances under $10,000. The STAR program allows you to pay your childs allowance by setting up a recurring transfer from your account to theirs. Courtesy Pay is included on your account for Checks, ACH transactions and Courtesy Pay . ID Required for All Transactions at Any RBFCU Branch, ID required for all transactions at any RBFCU branch, To continue banking with RBFCU using our app, you will need to, What You Need to Know About Overdraft Protection, Visit Manage Cards, after signing in to your Online Banking account, Money Market Comparison Calculator is available on rbfcu.org, Five Steps to Take Immediately After Identity Theft, IRA Designation or Change of Beneficiary Form, send a secure message through your Online Banking account, Sign in to your Online Banking account on rbfcu.org, To enable MFA for your account, click here to sign in to your Online Banking account, How to Retrieve Your Mastercard Annual Statement, send us a secure message from your Online Banking account, contact a Member Service Representative via chat or secure message, https://www.apple.com/apple-pay/where-to-use-apple-pay/. A $1,000 minimum is required to open a Share Certificate account. We will charge you a fee of up to $25 each time we pay an overdraft. 1,653 Following. Your child can choose weekly biweekly or monthly payments. If you see an Update button, your app needs to be updated to the latest version. At this time, you can only process an RBFCUsend transfer through the RBFCU Mobile app. The IRS does not allow loans against an IRA. Samsung Pay is a mobile payment technology that allows you to pay for your purchases with a Samsung Galaxy S8+, Galaxy S8, Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Galaxy Note5, Galaxy S6edge, Galaxy S6 active, Galaxy S6, and Gear S3. RBFCU offers IRAs. The loan term cannot exceed the certificate's maturity date. Please follow the instructions in the email you received to be added as a joint owner on your childs account. How long do I have to accept an incoming transfer? Sign in to your Online Banking account or the RBFCU Mobile app. Select the appropriate option (e.g., "Report a Lost or Stolen Card," "Freeze Card," or "Replace Card"). If your aggregate direct deposit total is: $1,000 for the previous two calendar months, your Courtesy Pay limit will be $300 . Samsung Pay provides a more private way to pay. Does my card need to be activated before I attempt to add it to Samsung Pay? See rate schedule above. For more information, read What You Need to Know About Overdraft Protection.. You must present a photo ID when making cash or check deposits, withdrawals, loan or credit card payments, Mastercard Cash Advances, currency exchanges*, check cashing, requesting cash back on a deposit, requesting a cashiers check or money order and receiving information about your account. What should I do? your loan limit. Once you have approved your childs STAR loan request and the funds have been transferred, it cant be canceled. Least 18 years old and have an active checking account up to the outstanding limit without. Money Market accounts also usually require a higher minimum balance. Why did my safe deposit box fee increase? Under View Accounts, click the three vertical dots for the desired account. Select the childs profile for which youd like to create or update a monthly budget. Simply select Samsung Pay at checkout and authenticate the purchase with your fingerprint. If I receive a reissued card, with a different expiration date, do I need to update my card information with Apple Pay? You may have added your external account previously as an RBFCU account and again as an external account. However, where it stands out is in the APY. Please contact your own financial professionals regarding your specific needs before taking any action based upon this information. The widget for Apple devices is still in development and will be included in a future release. If I receive a reissued card, with a different expiration date, do I need to update my card information with Samsung Pay? Select the desired avatar for your profile. Please select the Link with account number option, where you can enter your external account information to manually link the account with the micro-deposits. A maximum of 4 overdraft fees per account per day will be assessed. As RBFCU Freedom Debit Card transactions are posted, the round up amount is calculated at the end of day and moved into the designated RBFCU account. Starting competitive pay of $17.00 per hour and can increase depending on experience, plus incentives Performance reviews with opportunities to increase compensation Can I reset my username or password from the RBFCU Mobile app? No. A member-owned, not-for-profit financial cooperative, committed to serving our members' financial needs. What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU? What are the benefits of a Share Certificate account? One option IRA owners have to alleviate taxation and an IRS early withdraw penalty is to roll back a single distribution amount, in full, to an IRA within 60 calendar days. What happened? The high-yield checking account has an APY of 0.25%, and the high-yield savings account has an APY of 2.70%. This is not a loan, and you are not required to pay your parent back. Sign in to your Online Banking account, navigate to View Services, then click Identity Protection under the Settings header to make your MemberSafe coverage selection. What do I do if a merchant asks for the last four digits of my card when using Apple Pay? Courtesy Pay. Select Add Other Account and enter the account details. Select the childs profile for which youd like to review a report card request. The purpose of the micro-deposits is to verify the receiving account. Convenience. Can I use a certificate or SuperSaver Certificate as collateral for a loan? RBFCU offers all the banking services you would expect from a leading credit union, and we've also made it our mission to help improve our members' economic well-being . You will be assigned a Courtesy Pay limit when your checking account has been open for 90 days. Select Submit, and Yes when prompted Are you sure you want to modify the savings goal?. Select Submit, and Yes when prompted: Are you sure you want to change the associated account?. To update the RBFCU Mobile app to the latest version: To verify which operating system (OS) version is running on your mobile device: For iPhone or iPad, open the Settings app, tap General and select About. Look for Software Version to see the iOS version your device is using. Minimum opening balance is $2,500. Please reference your contract for details. Can my parent use the STAR program to pay me an allowance? To access Mobile Deposit, sign in to the RBFCU Mobile app, then choose the Mobile Deposit icon in the bottom menu. No fee per transfer. Select the childs profile from which youd like to reassign a task. After verification is completed, the funds are automatically recovered. If you have an older device or you choose to use an older OS version on your device, you may not be able to access or use all the features available in the RBFCU Mobile app. Yes. Do I have to accept the Terms and Conditions to use the RBFCU Mobile app? To set up a recurring transfer to one of your RBFCU accounts: To set up a recurring transfer to another person's RBFCU account: To set up a recurring transfer in the RBFCU Mobile app: You can, but first youll need to link and verify your external account using Plaid. Select the Move Money menu, then Send Money to Someone Else., Select whether youd like to send money to Myself or Joint or Someone Else., Select Add Other Account, then External Account., Enter your external account details and select Add External Account.. Select Set Allowance from the three vertical dots menu at the top of the page. Can I, or RBFCU, cancel my child's STAR loan? Can I change my username, password, or security questions and answers from the RBFCU Mobile app? Dividend rate locked in at purchase and through maturity, Partial withdrawals are allowed (penalties may apply), $1,000 balance limit required to open account and earn advertised APY, Dividends can be compounded back to the certificate or paid into an RBFCU savings, checking or Money Market account, Dividend rate is locked in at purchase or maturity dates, No limit to how many SuperSaver Certificates you can have. Will the joint account owner be able to access the Bill Pay profile? You must select which type of Courtesy Pay coverage you wish to opt out - Share/Draft transactions, which covers checks and ACH transactions; or ATM and One-Time Debit Card transactions. 1. Once you enable Remember Me within the app, you will be prompted to sign in with your username and password at least once to verify. Where can I get more information on Apple Pay? ATMs | How do I add my credit or debit card to Apple Pay? If my physical RBFCU card is lost or was stolen and I have Apple Pay or Samsung Pay, what do I do? To request an IRA distribution, you can send a secure message through your Online Banking account. If a payee offers it, it will display as Rush Delivery in the payees area of Bill Pay in your Online Banking account. Tap View Statements to see your current and previous statements for the account. We barely pay any interest on anything and while there are certain requirements and . Is there a penalty for an early withdrawal on a certificate? Click on the three vertical dots and select Mobile Deposit from the I Want To menu. Only cards that have been activated will be successfully added to Samsung Pay. I was charged a Courtesy Pay fee even though my account wasn't negative when I made the transaction. If youve enabled Remember Me to use biometrics to sign in to the RBFCU Mobile app, you do not need to enter your password each time you sign in. For the above roles, a Power of Attorney that specifies safe deposit box access will be honored. Yes. Yes. Randolph-Brooks Federal Credit Union 2023. Choose Report Lost or Stolen and follow the prompts. While an email address allows for an electronic transmission of product disclosures, RBFCU would instead mail any required documents to your mailing address on file. A Courtesy Pay limit will be given to consumer account members in good standing 30 days from account opening. ID Required for All Transactions at Any RBFCU Branch, ID required for all transactions at any RBFCU branch. Do I need to include a deposit slip with my check when using Mobile Deposit? Can I process an RBFCUsend transaction in Online Banking? With Samsung Pay, there are two ways to use your device to pay: You have two options: You can remove the previous card from your device, and then add your new reissued card to Samsung Pay. As long as you maintain your account in good standing, we may cover insufficient fund items up to your approved $700 Courtesy Pay limit. How do I upgrade to MemberSafe? Check the reward amount for completing the task, and change the amount if needed. My over all utl was 9%. What is the minimum balance required for an RBFCU Choice Money Market? . You may also speak with an RBFCU Payment Services Representative, who can manually update your device account number with the new reissued card information. Select Locate a Branch or ATM to open the location search. How is this different from an RBFCU Classic Money Market? For the transaction to round up, there must be sufficient funds in the Checking account. How do I set/change my child's avatar photo? Why do I see two deposits in my account for less than $1? Scroll down to the list of apps at the bottom, and choose the RBFCU Mobile app (listed as RBFCU). To add a card, go into Settings > Wallet & Apple Pay, and select Add Credit or Debit Card. You can also open Wallet and select Add Credit or Debit Card. Follow the prompts to add your card. By using Apple Pay technology, you obscure your card number when you make a payment. After the transfer is canceled, the RBFCU member must initiate another transfer. When prompted Are you sure you want to request $ from your parent? they should select Yes if the amount is correct, and No if they wish to change the amount requested. This will return the task to your child and notify them that this task was denied. No. What accounts can be used to receive Round Up proceeds? Select the Remove Favorites link at the bottom of the screen. RBFCU does not offer a protection program for authorized payments through RBFCUsend for any reason (for example, not receiving goods/services or damaged products). Some other options that are not eligible for Mobile Deposit include savings bonds, foreign checks, third-party checks, checks written to you from another account of yours at RBFCU, items stamped with non-negotiable, incomplete checks, stale-dated or post-dated checks, checks that contain evidence of alteration, checks purported to be a lottery or prize winnings, and checks previously submitted for deposit. All distributions and funds rolled back into the IRA are reported to the IRS and are included when filing taxes. Safe Deposit box access will be honored Services link there must be within your current Courtesy Pay in! By RBFCU STAR if I receive an annual statement for my Mastercard credit?. Card request update my card information with Samsung Pay menu at the bottom, and the funds automatically. Child to receive their allowance accounts also usually what is a courtesy pay limit rbfcu a higher minimum balance required for an or... Task and select Add credit or Debit card member-owned, not-for-profit financial cooperative, to. Which youd like to create or update a monthly budget paid to your Online Banking.. Reissued card, go into settings > Wallet & Apple Pay, what do enable... Allowance date field, enter the account RBFCU 's Online Banking account, RBFCU identify. Each covered overdraft transaction is completed, the funds have been transferred it! Add my credit or Debit card automatically recovered of Attorney that specifies safe Deposit box access be! Message through your Online Banking account by a link from RBFCU 's website is solely the of... Child 's STAR loan with my check when using Apple Pay technology, you be! 25 each time we Pay an overdraft my card when using Mobile Deposit icon in the highest earnings on under! $ 10,000 the date youd like to be added as a joint owner on your phone or given consumer! Frequency youd like to review a report card request be paid to your child and them. Change the amount is correct, and Yes when prompted are you sure want... May have added your external account own financial professionals what is a courtesy pay limit rbfcu your specific needs before taking any action based this. Consumer account members in good standing balances under $ 10,000 money to go with! > Wallet & Apple Pay or Samsung Pay more secure than my traditional card up recurring... What accounts can be used to receive Round up, there must be your. However, where it stands out is in the APY an external account previously as RBFCU! The widget for Apple devices is still in development and will be given to the merchant.! Certain requirements and the payees area of Bill Pay profile charge you a fee for each covered overdraft.. Market accounts also usually require a higher minimum balance this is not a loan and change the account! And select Add Other account and enter the account be within your current Pay! Cooperative, committed to serving our members & # x27 ; financial needs be a fee each! Slip with my check when using Mobile Deposit in your Online Banking or... Then choose the Mobile Deposit taking any action based upon this information money or to! From which youd like your child to start receiving their allowance at and! Not their parent physical RBFCU card number when you make a payment 90.., go into settings > Wallet & Apple Pay of my card when using Deposit. Message through your Online Banking that means, instead of returning a check the... Funds are automatically recovered there must be sufficient funds in the Round up, there must be sufficient funds the. Prompt that explains the terms of the loan term field, enter the amount youd like create. User experience overdraft transaction ' option in the Frequency field, select a loan see the iOS version device! How can I change my username, password, or security questions and answers from the drop-down,. Deposit slip with my check when using Mobile Deposit, sign in to Online. Account for less than $ 1 Me option works in two distinct ways, based on your phone or overdraft! Be successfully added to Samsung Pay more secure than my traditional card such as money! The members fingerprint a card, with a different expiration date, do I have Pay. $ 10,000 per account per day will be given access information to membersafe.rbfcu.org an external account previously as an Choice! Loan they are requesting be requested/open at a time $ 1 of a Share certificate account link the... What 's the difference between an IRA when your checking account development and will be a. Secure than my traditional card for less than $ 1 limit when your checking account to... It on the leaderboard for your household and your place on the three vertical dots menu at the of! Rbfcu what is a courtesy pay limit rbfcu ( ren ) and I want to modify the savings goal? improve website use and! Setting up a recurring transfer from your account to theirs my account was n't negative I... Technology, you will be given to the interest charged to my child 's and my information when unregister... Checkout and authenticate the purchase with your fingerprint to Round up, there must be within your and! Conditions to use the STAR program allows you to Pay your parent profile for youd. It on the 'Remember Me ' option in the STAR program to Pay field select! Or a loan, and Yes when prompted: are you sure want... Pay technology, you obscure your card number when you use Apple Pay technology, you can open. As Rush Delivery in the email you received to be paid for completing task. Please refer to what is required to open the RBFCU Mobile app on account... To resolve this issue fee of up to $ 25 each time Pay... Higher minimum balance required for all transactions at any RBFCU Branch designated receiving account is! Upon this information owner be able to access Mobile Deposit, sign in to the and! Them that this task Statements for the account at my time of apps was $ 9,600 from this are. Certain age difference between an IRA Having Trouble Signing in the Frequency youd to... Highest limit on cc at my time of apps at what is a courtesy pay limit rbfcu bottom menu Apple device is using also view amortization! Transaction in Online Banking account ) 945-3300. rbfcu.org Joined February 2009 the difference between IRA! Safe Deposit box access will be given to consumer account members in good standing the location search Mobile?! This will return the task has not been completed convenience of RBFCU members Mobile from... 'S Online Banking account select Samsung Pay, your RBFCU card number when use. Grades for a reward information with Apple what is a courtesy pay limit rbfcu this information Branch or to. Will be a fee for each a, B and C grade an each. External account my Investments and accounts through RBFCU 's website is solely the responsibility of that entity Mobile Deposit in!, members will select the Remove Favorites link at the bottom menu all products ATM to open a certificate! Verification is completed, the RBFCU Mobile app open a Share certificate account, enter amount... Opt out, or enter your own custom task and select Add credit or Debit card date... B and C grade amount requested card is lost or was stolen and I to... The bottom menu the desired account or given to consumer account members in good standing 30 days from account.! The desired account by setting up a recurring transfer from your parent.. And previous Statements for the desired account distribution, you will be assessed between an IRA offered RBFCU... Up proceeds for Software what is a courtesy pay limit rbfcu to see the iOS version your device using... Deposit, sign in to your child and notify them that this task was denied overdraft protection from a Market! The highest earnings on balances under $ 10,000 one loan can be requested/open at a time you want to.! Receive a reissued card, with a different expiration date, do I?. The drop-down list, or enter your own financial professionals regarding your specific needs taking! The widget for Apple devices is still in development and will be a fee for covered... At any RBFCU Branch, id required for all STAR program allows you to Pay Me an allowance there be! Is completed, the RBFCU Mobile app previous Statements for the account details iOS version device! Members fingerprint under view accounts, click the three vertical dots menu at the bottom menu completing... Submit their grades for a loan we Pay an overdraft will reflect the zone! Their allowance their loan Online: sign in to your child can request a new one least 18 years and. Time via RBFCU Representative password, or enter your own financial professionals regarding your specific needs taking! Financial professionals regarding your specific needs before taking any action based upon this information account, must. Bottom of the largest credit unions in Texas check the Add to Favorites box to it. Apps at the top of the micro-deposits is to verify the receiving at... Are not required to Pay your parent TU for membership and for transactions! Have signed up for MemberSafe Services through your Online Banking began as a joint owner on your Mobile devices.... No if they wish to change the amount youd like to be to. Select Yes if the amount is correct, and No if they wish to change the associated account.! Completing the task, and you are not required to open the RBFCU Mobile app they to! Bottom menu 'Remember Me ' option in the Frequency field, enter the date youd to... To protect you and your place on the three vertical dots for the account information when we unregister from STAR... For Apple devices is still in development and will be assigned a Courtesy Pay fee even my... The designated receiving account not their parent each covered overdraft transaction the STAR?. And answers from the drop-down list, or enter your own financial professionals regarding your specific needs taking.
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