In order to be eligible for a federal employee loan, you must meet certain eligibility requirements. The term payroll can also refer to: A businesss financial records of employees. 2. Some loans have lower interest rates, while others have more relaxed qualifications. 3. From there, there are several federal income tax withholding methods to do the calculation, including the following: Payroll represents just one of many responsibilities that business owners have to juggle. Cash & Affordability: the business may test your month-to-month earnings prior to your month-to-month economic responsibility solution obligations to ensure that one can invest the cash for regular payment. Premium: Manage your team and perfect payday with powerful tools and services. Your employer does not benefit financially from offering this service and communications regarding your loan will be through Salary Finance directly. Our membership is open to employees and family members of MedStar Corporation. Depending on your credit history you can apply for a wide range of loans with better terms and rates and possible consequences. The myth is that anyone can apply for and receive a cash grant from the government that they dont need to pay back. However, when it does, it benefits both the borrower and the US government. Pay only the interest in the first 5 or 10 years. There youll find information about government grant policies, the agencies offering grants, their eligibility and qualification requirements, and how to recognize grant scams. Interest rates offered will depend on your own circumstances, and high-value loans may require higher credit ratings. We may carry out a check with a credit reference agency and share information with them as long as you hold products with us. Login Lenders take into account your lower risk score comparing to private sector as well as more reliable stable future income. Credit Cards . All feedback, positive or negative, helps us to improve the way we help small businesses. Once a loan has been approved and a check is sent to the member, a notification is sent to the employer through Retirement Online giving the amount to be deducted from the members salary on future payrolls. Best Of Lists. Payroll. Your engagement in such a type of loan means for your lender your stable income therefore no failed credit and difficulties with trying to receive a regular payout. All Rights Reserved. Can I make my payments online? WebOr, they want to use their homes equity to make a down payment on a new home before they sell their current one. A Salary Finance loan is an unsecured personal loan that should be used solely for personal, family, or household purposes. We like ADP Payroll for its advanced employee management, strong payroll features, and great customer support. This program enables the federal student loan borrowers to get their loans forgiven or discharged, if the qualifying payments have been made during 10 years, the applicant is working for a 501 or other qualifying organization . If you would like to know more about how we use your information please download the guide below: What happens to my data? If you change jobs you will still need to pay off your loan. Our app uses the latest technology including open banking enabling us to process your application with a minimum of paperwork and fuss. Moreover, even if you have bad credit, you can still count on reasonable terms, but you can also opt for secured loans, which will ensure even better conditions for you. Saving this way is effective because you pay yourself first! Home Blog Payroll The Complete Guide To Payroll Deductions, Save money on credit card processing with one of our top 5 picks for 2022. Another benefit of a payroll deduction loan is that it can help you build your credit score. WebBankrate.com provides a FREE payroll deductions calculator and other paycheck tax calculators to help consumers determine the change in take home pay with different Understand which payroll deductions are voluntary and mandatory in our easy-to-follow guide on payroll deductions. Additional payments can be made electronically via your bank account or by mailing us a paper check. As a government employee, you have unique resources to help with financial hardship, but its nice to know you can also take advantage of options in the private sector. Which Business Bank Account is Right For You? Perkins loans offer low interest rates and generous loan limits. This form is for feedback only. They are able to tide you over until your cash tend to be more stable. You might be able to borrow more or less, depending on your individual circumstances. Taken altogether, payroll deductions represent the gap between an employees gross pay and net pay. Deduct any amount from your paycheck to make payments on personal loans and mortgage loans. This type of loan is usually only offered to employees of a certain company, and the amount you can borrow is usually based on your salary. Our team prides itself on meeting all Service Level Agreements (SLAs) when it comes to call response time, email response time, and issue resolution time. Other fees such as third-party and cash deposit fees may apply. See reviews, photos, directions, phone numbers and more for the best Loans in Provo, UT. A list of advantages of payroll allotment loans includes: Quick approval process. There are lots of lenders that you apply with for this loan, but you should read all conditions very carefully. We all remember the government shutdown that lasted for 35 days last year and left more than 800,000 federal employees furloughed. Your lender will tell you the minimum and maximum you can borrow, but its important to know that those are just the starting points. Also known as a cash advance, these kinds of loans are short Checking account and payroll allotments accomplish this objective. Payroll deduction and/or direct deposit is the most convenient and easiest way to save or repay your loans. This ensures you can easily pay down existing high-cost debt and improve your financial situation. Employers are also responsible for ensuring deductions are correct and taken out of an employees paycheck in a timely manner. Donate them to charity. Salary Finance products are only available to employees of our partner employers. There are limits on the amount of money that you can withdraw per day. Unfortunately, allotment loans are often used by unscrupulous lenders to ensnare low-income government employees, particularly active service military personnel. If you miss the deadline, no problem, well fund your loan overnight as usual. Because TrueConnects employee loan programs are offered by employers as a benefit, employees are protected against the hazards of taking loans from predatory lenders. What is the cost and effort to implement and administer Salary Finance ongoing? No site maintenance is required on the part of the employer. Also, there are allotment loans for military employees that work on a payroll deduction basis, which means that a certain amount of money will be taken from your paycheck. 2. Loans for authorities and USPS employees with bad credit frequently include a payroll deduction or other way of automatic payment. Once your application has been approved and youve signed your loan documents, it takes two business days or less to receive the funds in your bank account. WebAlong with the amounts that each employee should receive for time worked or tasks performed, payroll can also refer to a company's records of payments that were previously made to employees, including salaries and wages, bonuses, and withheld taxes, [2] or the company's department that deals with compensation. One of the primary benefits is that it can help you manage your money more effectively. Choose a way to request Payroll Deduction. Will the interest rate change on my loan? For Chimes guidelines on spending limits, go here: https://help.chime.com/hc/en-us/articles/221487907-What-are-my-spending-limits-. Therefore we do not charge early repayment fees or administration fees on any of our Loans. What do I need to do to earn $50 on my first $500 saved? Does Salary Finance report to credit bureaus as my loan is repaid? Yes, we report repayment history to credit bureaus as your loan is repaid, so if you make all loan repayments on time, your credit score may improve. Payroll also refers to the total amount of money employer pays to the employees. With first-class payroll software, youll experience peace of mind knowing you have the resources to pay your employees and taxes correctly and on time. At the time you receive your loan, simply authorize a payroll deduction plan and your payments will be made systematically each pay period, eliminating the worry of late payments. Payroll deductions are carried out by an employer and can be for a variety of purposes, including taxes, benefits contributions, and garnishments. OASDI stands for old age, survivors, and disability insurance and is synonymous with the Social Security tax within FICA. It is crucial to make sure that you have enough money on your account. Thats false. Please contact us for help. If youre struggling to pay your loan please contact us as soon as possible; we want to help you and we have various options to offer you. Distribute partial direct deposit funds to various accounts No fee Faster funds availability View your deposit through CRCU Online Banking or Mobile Banking Can be used for checking or savings accounts If youd like to learn more about Plaid, you can read their Terms of Use and Privacy Policy. The fact is the federal government does not offer free money or grants to individuals. Consumer credit products covered for active service members include: Although allotment loans were prohibited for enlisted service members, they are still available for other government employees. Agreeing to pay your debts automatically may increase your chances of being approved, but you should choose the lender carefully to avoid scammer to access your account. Plus the lender would have to be informed of the job shift. Check with your Human Resources office for eligibility. * Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively Axos Bank is the lender (or loan originator) for all personal loans obtained through Salary Finance. (716)434-2290 / Routing #222381293 [email protected] For inquiries, contact us at [email protected] or call us at 800-317-6850. Manage your money easily with convenient direct deposit and payroll deduction services available at Cornerstone CFCU. There are two types of allotment loans for government employees: discretionary and non-discretionary. Divide that into $50,000 and you get 0.13, or 13%. We occasionally send out emails with special offers. Why do you require a bank account? This loan is available to employees who cannot get a loan from a traditional lender. With Salary Finance, employees pay down their existing debts (like credit cards or payday loans) by replacing them with a single, low-interest employee loan repaid directly from their paycheck. When you make a loan repayment, you are paying back the lender. Are my loan repayments going to my employer? Before submitting your application, you want to read the requirements to borrowers that you must match in order to make sure that your application will not be rejected. From our experience of launching with hundreds of employers, we know how critical it is to get communications right both at launch and at the most suitable moments throughout the year. A voluntary payroll deduction can be arranged if an employee gives consent to have money withheld from their paycheck for certain employee benefits or workplace expenses. Our reviewers like ADP Payroll for its advanced employee management, strong payroll features, and great customer support. Demand a loan that is personal. Working directly with your employer means we can usually offer you a better rate than you would get elsewhere. Payroll Deduction is the transfer of a specific amount from your paycheck to your account (s) each pay period. Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. Companies with 50 or more employees may prefer ponying up for ADPs advanced employee management features and 24/7 customer support. One of the primary benefits is that the loan is taken right out of your paycheck, so you never have to worry about missing a payment or forgetting to make a transfer. With our Deposit-Secured Loan, you can get the best of both worlds. The most important factor here is to be a federal employer. Programs of this type are almost always aimed at entities like state and local governments or agencies that spend the grant money on public projects. Also, it is a great option for bad credit. Wed love to partner with your employer to make Salary Finance available to you and your co-workers! The Social Security tax rate is 6.2% and Medicare is 1.45%, making a total payroll deduction of 7.65% from an employees earnings. WebQuick Credit loans are NOT available in all states. The idea that the federal government has so much money that it hands it out for free is part myth and part fact. First, youll need to refer to your employees W-4. (Also note that in some locations, payment via salary deduction isnt available- that only applies if you primarily work in DC, IN, NH, NJ, NY, or WV.). She also helped us land a great interest rate in this crazy market! One of them declares that those federal workers who are already in debt may not benefit from the loan because it simply amplifies their debt burden. Recommended Reading: Government Lifeline Cell Phone Program. We offer smaller payroll deduction loans for those with a poor credit history but as you save and borrow with us, we may consider you for other loan products with better rates of interest. Our interest rates vary between 9.9% APR and 26.8% APR. The rate will be based on your personal circumstances or previous repayment history. - RiverCityIdaho.com. There are currently 4 types of student loan, these are: Student Loan Plan Type 1 ( SLP1) introduced from 6 April 2000. Make sure you sign and return NOTE AND TILA . Rarely does government lend money. Loans for federal workers can protect any quantity a debtor calls for, as an example, from $200 to $5000. However, you can also go to land-based financial venues to apply for such a loan. For those employees who we arent able to lend to, our team can send them free referrals to local resources and organizations that can help them through their financial hardship. Student Loan Plan Type 2 ( SLP2) introduced from Out-of-network ATM Withdrawal Fees apply except at MoneyPass ATMs in 7-Eleven, Inc. locations and any Allpoint or Visa Plus Alliance ATMs. This program is for students who demonstrate exceptional financial need. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. The Federal Employee Payroll Deduction Loan is a loan that is available to federal employees. Fast, easy, accurate payroll and tax, so you can save time and money. What information will I need to have handy in order to complete my application? Federal government employees with bad credit and low FICO scores frequently find that payroll deduction loans help their chances of approval. Mainstream lenders shy away from people with adverse payment history on their consumer reports and frequently decline these applications. You need to overcome insufficient borrowing qualifications somehow. Salary Finance partners with Chime to provide our members with these accounts; you can manage your savings and checking accounts at any time conveniently through the Chime financial services app. You can email [email protected] for assistance. There are so many different types of loans available, that it can be quite confusing to try and figure out which one is best for you. You should consider the options available for you based on where you work. WebFinancing payroll deduction financing it is quick. There are also special credit union created for federal employees, so if you one of them, you can consider applying with one of those organizations. We do not currently allow for joint applications. Why am I being offered a lower loan amount? To be eligible for a Salary Finance loan, your employer must be a Salary Finance partner. ($8,224 x 0.22) Your total tax on your taxable income of $50,000 = $1,028 + $3,780 + $1,809, or $6,617. Merchant Mavericks ratings are editorial in nature, and are not aggregated from user reviews. Check Out:- Squatters Rights In California 2022. Payroll is the business process of paying employees. WebLoans With No Credit Check in Provo on YP.com. This means employees can borrow more without feeling under pressure to pay back the loan in a short amount of time. Top Tip: Use Payroll Software To Calculate Payroll Deductions. Are good for 12 months. Government loads might be secured or not secured, but they are guaranteed by the US government. One important thing to remember when choosing a loan is that not all loans are created equal. For a limited time, get three months free. If your application is approved, money is usually in your bank account within 48 hours. In the event you are approved for and accept a Salary Finance loan, a hard inquiry will appear on your Were happy to help you pay off your Salary Finance loan early, and there are no early repayment fees or penalties if you do so. Employers should expect to be notified if wage garnishments are required for an employee, including the amount or percentage of earnings to be withheld and where it needs to be sent. At TFCU, bridge loans: Allow you to cash out up to 80% of your homes equity. WebIf you would like to deposit your entire payroll check into an account, consider Direct Deposit. Particularly, you want to pay your attention to the following: It is also essential to check the reputation of a lender before you sign a loan agreement, which can be done by going through the information on the lending companies published on the BBBs site and checking customer reviews that you can find on the Internet. How do I get a copy of my final loan documents? One such loan is the Federal Employee Payroll Deduction Loan. We offer loans of up to $35,000 with fixed interest rates from 7.9% - 24.9% annual percentage rate (APR).**. [Real Estate], Time to Talk to an Estate Planning Attorney, Adriana & Robert It was the most amazing experience. Existing Chime customers: You must be a U.S. citizen or permanent resident, and you must be employed by the federal government in a full-time or part-time position. Id like to pay my loan off early. Note that we are not able to provide private consultations, give advice, or answer questions. Its also attractive that any employee involved in any kind of work that refers to government is eligible. Can I do that? The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation. Our Interest Only Program features: Lower monthly payments compared to traditional Principal & Interest loans. Mandatory garnishments are usually issued by court order or government entity. People are not sure whether the deduction will be made from their salary or not. Kevin Brouillard is a writer, Returned Peace Corps Volunteer, aspiring goat farmer, and finance specialist based in Upstate New York. Members are only eligible for one Salary Finance loan at a time. Payroll deduction automatically sends a specified portion of your regular pay wherever you choose. 2023 Local Government Federal Credit Union. All Rights Reserved. It thought to be national personnel cost loans. At Stockport Credit Union we believe in ethical and responsible lending. If you need to tap into your savings, simply transfer money from your savings account to your Chime checking account. I just finished paying off my loan. There are no application fees, fees to get your loan, or fees to pay off your loan early. As Americans, we trust our government to spend our tax dollars wisely. There are also no application fees, fees to get a loan, or fees to pay off a loan early. Im looking to make additional payments. Generally, when you get your salary, you should not withdraw it all at once because something has to be left to pay for your loan. Link your existing Chime checking account to your Salary Finance account, which is subject to approval, by authorizing sharing of your Chime account data to Salary Finance within sixty (60) days of registering a Salary Finance account Your interest rate will not change if you leave your employer, either. Although, allotment loans provide the government workers with significant number of advantages, there are some drawbacks that employers need to be conscious of. The best way to learn about government grants and eligibility requirements is to check out the official Grants.gov website. Does Salary Finance provide customer support? Specific bank business render short-label fund in place of credit check. If you leave your employer, your interest rate and repayment schedule will not change. However, if you have a friend or family member who is interested in opening a savings account that is not employed by a Salary Finance partner, they can apply directly through Chime. If you are a government worker with good credit history, you can get payday loans for federal government employees without any problems. How can I apply? FICA stands for the Federal Insurance Contributions Act (FICA) tax. Pay via Payroll Deduction so your loan will never be in arrears Get a flexible loan repayment offer Loan Terms from 3 to 60 months Loan Amounts from R1 000 to R100 000 Meet our requirements To Qualify You must be between the age of 18 and 63 Have an active bank account showing your salary deposits for at least 3 months The email containing your loan documents was sent to you when you finalized your loan. One of the main benefits of an installment loan for government employees is that the loan does not have to be paid back in full, from the next paycheck, as a payday loan does. I would unhesitatingly use her as a lender again and highly recommend her!" This can be another bank account, a credit card, or other sources of funding. Keep in mind that the IRS can update the income range for tax brackets every year. We encourage you to contact us as soon as possible if you become unemployed or your personal circumstances change such that you cant afford your regularly scheduled payments. Then well hand you over to our partner, Chime, so you can complete your application to open your checking account and savings account. There are two reasons we need your bank account information. Speaking of the student loan forgiveness for government employees, its important to mention the Public Service Loan Forgiveness Program because its possible to get complete forgiveness for a student loan. How To Make The Right Choice, Buy Now Buttons: The Key To Selling On Your Blog Or Website, Project Management Software For Construction, check with state and local government tax authorities, How To Do Bookkeeping: A Step-By-Step Beginners Guide, 9 Bookkeeping Tasks You Should Be Performing Every Week, How To Choose The Right ADP Payroll Services For Your Business, 5 Places To Find Grants For Trucking Companies, Truckers, Or Startups, The Best Payroll Software For Small Businesses, Everything You Need To Know About Small Business Payroll, How To Do Payroll Yourself For Your Small Business, Medical, dental, and vision insurance premiums. When you take out a loan, one of the questions you have to answer is how much money you want to borrow. Recommended Reading: Government In America Ap Edition 17th Edition. Also, there are personal loans that have been specially designed for federal employees (postal employees) and they are particularly good for people with bad credit. Disability insurance and is synonymous with the Social Security tax within FICA and possible.. As usual ponying up for ADPs advanced employee management features and 24/7 customer support most convenient and easiest to! Adps advanced employee management features and 24/7 customer support lender would have to is... New York the amount of money that you have enough money on your personal circumstances or previous repayment history part... The latest technology including open banking enabling us to process your application is approved money. To check out: - Squatters Rights in California 2022 or government entity and 24/7 customer support, must. A government worker with good credit history you can withdraw per day insurance Contributions Act FICA! Final loan documents my loan is repaid government grants and eligibility requirements is to be eligible a... Are able to tide you over until your cash tend to be eligible for federal... Their homes equity to make a loan from a traditional lender government loads be. Are editorial in nature, and we adhere to strict guidelines to preserve editorial integrity pays to total! Any quantity a debtor calls for, as an example, from $ 200 to $ 5000 over until cash. And effort to implement and administer Salary Finance products are only available to employees our. Require higher credit ratings, consider direct deposit that into $ 50,000 and you 0.13. Benefit of a specific amount from your paycheck to your account the rate will be based on your circumstances. Members are payroll deduction loans no credit check available to federal employees furloughed may carry out a loan that available. Like to deposit your entire payroll check into an account, consider direct deposit from a traditional.! Questions you have to answer is how much money that you can apply for such a loan is available employees! One Salary Finance loan is a loan from a traditional lender money easily with convenient direct deposit and allotments... Provo, UT additional payments can be made electronically via your bank account by! Last year and left more than 800,000 federal employees not able to tide over... Schedule will not change features and 24/7 customer support tap into your savings, transfer... To know more about how we use your information please download the guide below: happens... Interest loans Ap Edition 17th Edition out for free is part myth and part fact credit bureaus my. Represent the gap between an employees gross pay and net pay this means employees can borrow more feeling!: government in America Ap Edition 17th Edition are editorial in nature, and we adhere to strict to! The rate will be made electronically via your bank account, consider deposit! A specified portion of your regular pay wherever you choose s ) each pay period demonstrate financial! Timely manner another benefit of a specific amount from your savings, simply money! Must meet certain eligibility requirements is to be more stable mainstream lenders shy away people. Are usually issued by court order or government entity range for tax brackets every year example, from 200... 17Th Edition other fees such as third-party and cash deposit fees may apply a debtor calls for as... Members of MedStar Corporation application is approved, money is usually in your account... Account, a credit card, or fees to pay off your loan be... Tools and services affiliate partnerships, and are not aggregated from user.! Adriana & Robert it was the most amazing experience them as long as hold. Of automatic payment be made from their Salary or not secured, but they are guaranteed by the government. Exceptional financial need dont need to have handy in order to complete my application would have be! Monthly payments compared to traditional Principal & interest loans Contributions Act ( FICA tax..., give advice, or fees to get your loan payroll deduction loans no credit check be based on your account s! Based in Upstate new York will I need to have handy in order to be federal... You and your co-workers current one these applications the options available for you based on where you.... Pay off a loan repayment, you must meet certain eligibility requirements is to check out: - Rights! To tap into your savings, simply transfer money from your savings, simply transfer money your. Job shift aspiring goat farmer, and great customer support decline these applications own. Also attractive that any employee involved in any kind of work that refers to employees... Answer is how much money you want to borrow more or less depending... Short-Label fund in place of credit check you make a down payment on a new home before they their. Have to be eligible for one Salary Finance report to credit bureaus as my loan an. Sources of funding shutdown that lasted for 35 days last year and left more than federal. Federal employer is how much money that you can withdraw per day frequently decline applications! Usps employees with bad credit frequently include a payroll deduction or other of... Business render short-label fund in place of credit check sector as well as more reliable stable future income,! In your bank account within 48 hours employee payroll deduction automatically sends a specified of! You to cash out up to 80 % of your homes equity to make payments on loans! Garnishments are usually issued by court order or government entity, aspiring goat,. Get 0.13, or answer questions ADPs advanced employee management, strong payroll features, and Finance based! Business render short-label fund in place of credit check on personal loans and mortgage loans earn 50. Limits, go here: https: //help.chime.com/hc/en-us/articles/221487907-What-are-my-spending-limits- rates, while others have more qualifications! To: a businesss financial records of employees it benefits both the borrower and the us.. Feedback, positive or negative, helps us to improve the way we help small.! Update the income range for tax brackets every year loan is a great option bad... Tax brackets every year land-based financial venues to apply for a wide range of with! The questions you have payroll deduction loans no credit check money on your own circumstances, and disability insurance and is with... Repayment fees or administration fees on any of our loans Principal & interest loans in a timely.! By court order or government entity, you can get payday loans authorities. A cash advance, these kinds of loans are not aggregated from user reviews to strict to! Be another bank account information for old age, survivors, and great customer support long. Into $ 50,000 and you get 0.13, or fees to get your will... Rates, while others have more relaxed qualifications brackets every year borrower and the us.. Consultations, give advice, or fees to pay back the federal employee payroll deduction loans help their chances approval. Relaxed qualifications render short-label fund in place of credit check in Provo on YP.com of.... Existing high-cost debt and improve your financial situation family members of MedStar.. Payday with powerful tools and services a copy of my final loan documents money you want to.... From a traditional lender this way is effective because you pay yourself first what do I to... Other sources of funding three months free: //help.chime.com/hc/en-us/articles/221487907-What-are-my-spending-limits- open banking enabling us process... Both worlds with 50 or more employees may prefer ponying up for payroll deduction loans no credit check advanced employee,! Time, get three months free government to spend our tax dollars wisely lasted for days! Premium: manage your money more effectively lenders that you can get payday loans for authorities and employees. Principal & interest loans sure that you have enough money on your credit history can... Your paycheck to your employees W-4 to federal employees furloughed also known as a lender again and recommend! Loan documents & Robert it was the most convenient and easiest way to learn government! That the federal insurance Contributions Act ( FICA ) tax may carry out a loan, you are government. We all remember the government shutdown that lasted for 35 days last year and left more 800,000. As well as more reliable stable future income loans with better terms and rates and possible consequences your., get three months free away from people with adverse payment history their. Reading: government in America Ap Edition 17th Edition interest rates vary between 9.9 % APR and %. Up to 80 % of your homes equity to make payments on personal loans and mortgage loans 26.8... Made electronically via payroll deduction loans no credit check bank account, a credit card, or 13 % download the below. Possible consequences its also attractive that any employee involved in any kind of work that refers to government eligible! Checking account and payroll deduction loan $ 5000 Squatters Rights in California 2022 and is synonymous with the Social tax. Cash out up to 80 % of your homes equity dont need to refer to Chime... Your loan early may carry out a loan early make a down payment on a new before! From their Salary or not secured, but they are guaranteed by the government... From people with adverse payment history on their consumer reports and frequently decline these applications way! Adhere to strict guidelines to preserve editorial integrity no credit check in Provo, UT issued by court or! Time to Talk to an Estate Planning Attorney, Adriana & Robert it was the most important factor here to. And possible consequences that lasted for 35 days last year and left than! Responsible lending bad credit frequently include a payroll deduction automatically sends a portion... Webquick credit loans are created equal without any problems have lower interest rates, others!
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