penfed payment saver forum

Financing Available for up to 110% of vehicle value. Our students say Absolutely amazing app, but is there a way to copy a result? Minimum loan amount of $15,000 for vehicles financed with 60 to 72 month loan terms. Couldn't find the ED price etc. You have to be an employee of a specific business, student/family in a specific school district, or active/retired military. I used their calculator here for ballpark numbers: I am a member of PenFed and went under their Car Buying service. This was the case for many of the Dodge products, when they were still doing Power Dollars (no more). Bring back /u/chooter, Press J to jump to the feed. In my case i started with a 15 dollar savings account with penfed and let it sit for 7 months. What state/county do you live in? They offer a payment saver loan option (via AFG) at a 3.84% rate. I have a PenFed Payment saver loan on my Tesla Model 3 and on a previously owned Challenger. I have found cars with a 72 month term lower. However the payment difference is hundreds per month between a lease and a balloon payment. To find out more about the PaySaver Auto Loan program, call or stop by AmeriCU today or go to the PaySaver Calculator to see for yourself how low your auto loan monthly payment can be! Read PenFed car loan review. Had no issues with penfed. We can help you find an auto loan that meets your needs with our CarBuilder program. In normal times? Your actual credit score is only a small fraction of the equation. Powered by Discourse, best viewed with JavaScript enabled, PenFed Has Stopped Accepting Payment Saver Auto Loan Applications, PenFed to Offer Walk-Away Balloon Car Loans | Credit Union Times. Stay tuned! ; Sell it at maturity or anytime during loan term. By clicking I ACCEPT, you consent to our use of cookies in accordance with our Privacy, GDPR and Cookie Policies. (And no, not aware of anyone else other than Penfed that's doing it, cause I'm not in the market for a bad loan. Penfed Payment Saver for ED. Just wanted to give you a heads-up. Anyone on here have any experience with these loans?? For instance in 2014 I took out one for a loaded 781 Porsche Boxster S, fully loaded car. I would rather keep the equity in my pocket, during that time period, then in the vehicle. I think this is the path I'm going to go. F40Model Year: 2019 + Previous Generations; F20 / F21Model Year: 2012 - 2018. Anyone else skeptical about these loans? It doesn't hurt to try but it probably won't make a difference. AFG uses a derivative (90% iirc) of straight ALG for the RVs on their balloon loans. I also got a decline the other day on a 700. If something happens to the income, they may never get paid the contracted balance. Thanks for turning me on to this. Rates and offers current as of and are subject to change.. 1 The PenFed Car Buying Service rebate of $350 will apply to new and used purchase loan applications with a qualifying vehicle purchase sourced through the PenFed Car Buying Service. 1. Do not do it! No match for the 2.99% 36mo rate that PenFed offered. PenFeds new Payment Saver Plus Program removes the risk of credit damage for members. Has anyone ever used this program before? I searched for this but still cannot find a straight answer. See this is what concerns meyou had equity b/c of how much you put down (really as with any financing). 0 Kudos. I have a lady coming by today who I got approved and she literally has a 412 score. Do you wish you could make paying your bills less of a hassle? i hadnt really looked into this being as its my first loan but the biggest problem i see with it is, what if your car gets totaled. Did you go to a different page? I've also been thinking about going this route. I think thats the reason why he loves Penfed balloon loans. Sample deal: I could get into a Flying Spur for nothing down and $0 per month until the end of the 10-year draw period. Message 3 of 4. With the Challenger, Dodge was still offering power dollar rebates with a purchase, but not with a traditional lease. 4.0. A balloon loan is fundamentally paying down a presumed balance between MSRP and residual value. Those would be your best bet to see if there is one you can work with. Refinance remaining balance and keep the vehicle. Penfed offered me a balloon for $475 a month and a balloon payment of $15K where as my truck was purchase for $55K and have a balloon of $26K for $550 a month. Used car loan value based on NADA Retail Value. GPO's Payment Saver is a financing option that offers monthly payments that are considerably lower than conventional financing! Disclaimer: Credit card offers are constantly changing. I recently applied for an New Auto Payment Saver loan for $65k through PenFed Credit Union and was declined, the reason was Excessive Obligations in Relation to Income (Overextended). SoFi's starting interest rate is also lower than PenFed's but . 2.70%. PenFed's payment saver loans have the appeal of low initial payments. I actually had a few grand in equity. A dealer can usually get it done because we have direct lines to the loan officers. Damn I just picked my 2021 trd pro 4runner with this Penfed program back in June. The select looked attractive to me but they (BMW) managed to talk me out of it. Products & Rates Choose Your Product Auto Payment Saver Auto Loan Estimate my payment, That could be why I cant find it, but Im not going to join until I decide if I want to use the loan, but dont know if I want to use the loan until I know the RV. Keep in mind when you calculate the payments on BMWs site, it doesn't include taxes. Does anyone know how the RV is calculated in the PenFed Payment Saver program? All FICO Score products made available on include a FICO Score 8, and may include additional FICO Score versions. Has PenFed done away with Payment Saver (balloon finance) loans? G42Model Year: 2021 + F44Model Year: 2020 + Previous Generations; F22 . Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. How would you like the low monthly payments of a lease, without all the heavy restrictions and hidden costs of leasing? Call 1-800-247-5626 for details. So i don't think there a specific method, but if you had to guesstimate it will be around the RV = to the 36/15k vehicle & changes based on the term you pick. *For security purposes you must use a 128-bit encryption browser to use Access Bill Pay. TT (Mk3) Discussion - PenFed - Anyone ever use PenFed's Payment Saver loan? Anything branded payment saver is the afg balloon. But unlike a lease, with the PaySaver Auto Loan program you own the vehicle and have all of the flexibility and benefits of vehicle ownership! Learn more. This is completely wrong. Applications are subject to credit approval. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. 2. PenFed vs. SoFi. AFG Calculator. Its also well established they dont verify the options you claim are actually equipped (driving up MSRP). Bimmerpost Model Selection. BMW Buyers Guide - Dealers, Resources & Pricing. Never any issues with payments.My application only had me on it though, I thought my credit history and annual income would be more than sufficient to qualify. Original review: June 28, 2022. Their MSRP for cars when doing payment saver are ridiculously off and by off I mean lower. junio 16, 2022 . New and used motorcycle loans. PenFed Credit Union offers low rates, particularly if you're interested in its car-buying service. PenFed's new "Payment Saver Plus Program" removes the risk of credit damage for . Yeah that's not uncommon for credit unions or banks that just use software to put it in as that. Make a Payment. Equal Housing Lender - Federally insured by NCUAMembership restrictions apply, New and pre-owned vehicles up to five years old qualify, Annual mileage options of 12,000, 15,000 & 18,000 available. Have they stopped all new vehicle finance options? . 0% balance transfer promo APR for 12 months, although a 3% fee applies on each transfer. Minimum Deposit. It also has been off for many other makes too and that makes the payment way higher than it should. Frequent Contributor. Enables you to easily upgrade and/or change your vehicle every couple of years. F80 M3 / M4 Pricing, Ordering, European Delivery, Credit Union Times PenFed to Offer Walk-Away Balloon Car Loans | Credit Union Times. Read: 35 Ways To Slash Your Car Costs. If I buy a car using the Penfed Payment Saver (balloon payment) program and say I want to put in $10,000 as a downpayment. Only problem I had was getting approved. Take two $50,000 cars, one with a 50% RV and one with a 40% RV. See the difference? F40 Model Year: 2019 + Previous Generations; F20 / F21 Model Year: 2012 - 2018; E82 / E83 / E87 / E88 Model Year: 2004 - 2011; 2. Thanks for the input thus far guys, very helpful. APR = Annual Percentage Rate. $1,000. I did this same type of thing with my E92 M3 and it was perfect. AmeriCU Credit Union ( To Sign In or Enroll:Log-in to PenFed Onlinein the login box at the top-right of this page and click the Pay Bills tab from the Main Menu of PenFed Online. Basically its a loan with a reduced monthly payment, but has a balance that must be paid or refinanced at the end of the loan. Do you wish you could make paying your bills less of a hassle? The lease numbers are just NOT favorable for me. Given most APRs are pretty low right now, the difference in interest paid, for such a short term, is fairly insignificant. They used to have a payment calculator on the site where you could either enter a VIN or select make and model and it would show estimated payments, but it looks like they took it down. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. I had no problems getting 3 approvals at other banks at top rates inculding through BMW. European Delivery. Hopefully this is not the end of the line, because they are a great option where you can find a favorable RV. CU doesnt want your business. At minimum, expect a $725 origination fee for vehicles over $75K. Please note that verified professionals will have flair, take advice from non-flaired users with discretion. Not that I'm going to finance that long. The vehicle mileage may not exceed 15,000 miles per year based on the model year. It's a lease-like program, but you OWN the vehicle, and there are plenty of end-of-term options:. 1. I've been researching some alternative financing and this Penfed loan seems to blow everything else out of the water (including Select finance). Does anyone know who else offers payment saver loans? Rates are accurate as of Feb. 2, 2023. Same APR. Learn about the other ways you can use online and mobile banking. The term doesnt matter that much because you can sell, trade, or pay it off whenever you want. Would love to pick up other vehicles with this program. He is more focused on the monthly payment than the total cost of ownership. Greater Nevada Credit Union's Payment Saver Auto Loan Program allows you to get the low costs of leasing with the option to sell, trade, finance or return at program's end. Back in 2019, PenFed briefly offered balloon loans with guaranteed residuals (you could walk away at the end of the initial term), but they quickly discontinued those also. That is what Chrsyler is estimating based on 64% residual with about 10k lease. MECF_728x90_top. Many factors affect your FICO Scores and the interest rates you may receive. 1.5% cash back for non-members. I wonder were these taxed at the full purchase price or taxed like a lease? Lesser known benefits of the program, it includes GAP and deductible insurance. You'll also face a balloon payment at the end of your loan. I have great credit and am already approved for a normal loan through my credit union with affordable monthly payments, but am considering the payment saver loan because of how much lower it makes them. 12 Months. New vehicles are vehicles without previous owners and are of a current (2021) or prior (2020) model year with less than or equal to 7,500 miles. PenFed Payment Saver Auto Loan. We can help you find an auto loan that meets your needs with our CarBuilder Program. 1. Where there is no state sales tax, for example NJ when purchasing a zero emissions vehicle. New comments cannot be posted and votes cannot be cast, A place to ask questions from car sales professionals - sales people, finance and sales managers. In one case, I was quoted $1500 for origination. PenFed's used car loans as of Dec. 31, 2018 were $1.5 . MountainCrest FCU (WA), Now the Raptor, well I don't know what to tell you accept the fact that I have had about 8 auto loans with PenFed and they love me there. Because their RVs are so low, youll have some equity at the end to trade with but your payments will be a lot higher than your other options with a lease. All rights reserved. Affiliate Business Arrangement Disclosure. We only did the 36 month term as I was wanting something more along the lines of a lease (Georgia stupid tax laws kill actual leasing) and I wasn't trying to speculate on the car's value 5 yrs from now. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. I have done 2 PenFed Payment saver loans (my 2014 C7 and my 2021 C8) The video after the finance guy is NOT about PenFed Payment Saver loans Last edited by jimmyb; 04-07-2021 . more or less this is the opposite of gap insurance. or just a certain type of loan. The last thing they want to do is repo your car. I have a credit score of 821 and $130k annual income. I don't believe they allow you to walk away from the car at the end though. Ken had already updated the PenFed site to these new rates but haven't seen anything mentioned on the blog or in the forum. SoFi offers personal loans ranging from $5,000 to $100,000, which is much higher than PenFed's $50,000 limit. Uses transunion credit for score. G42 Model Year: 2021 + F44 Model Year: 2020 + Previous Generations; F22 / F23 Model Year: . *A typical new auto loan of $30,000 at 3.74% APR would have 71 monthly payments of $404 each month, and would include a balloon payment due at loan maturity of $5,475. Bimmerpost Model Selection. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. However, they do not take any action and the dispute . Chances are you owe too many people too much money and your CU sees this as a liability. E81 / E82 / E87 / E88Model Year: 2004 - 2011. I'm seeing 3.74% for 84 months at DCU. There website says its an estimation based on their data & the mileage cannot exceed 15k a year. Has anyone else had this experience with PenFed? Rates current as of May 4, 2021. FORUMS. The payment would be lower on the 50% RV, but with the larger payment wouldnt you end up with more equity and therefore spend less on interest over the same amount of time? Loan amounts range from $10,000 to $100,000 and APRs start at 2.99% and 3.74% for new and used cars, respectively. Welcome to the Greater Nevada Credit Union Payment Saver site. Uses transunion credit for initial score. You can borrow between $10,000 and $100,000 with terms of 24 to 60 months. I want to buy this car but being declined with them kind of shocked me and makes me worried.Will I be ok going through dealer financing?What should I do? basically you are taking the chance that at the end of the term of the loan your car is still in perfect condition. I just thought there would be interest in PenFed discontinuing their offering, given the flurry of recent discussion in other threads. Again denied!! Including the ability to turn your vehicle in and walk away at the end of the loan term. To Sign In or Enroll: Log-in to PenFed Online in the login box at the top-right of this page and click the Pay Bills tab from the Main Menu of PenFed Online. $465. Payment saver loans. I was just wondering what the logic was behind wanting a higher RV on this type of balloon loan since a lower RV would cost less when it all washes out. It seems many local credit unions offer them but all require specific membership criteria (impossible given I am not in their area). Came back with a rate over 5%, Regional options (not-open-membership) to consider: Membership to the CU is possible via a $35 donation to Nashua River Watershed Association. Where the manufacturer is providing more rebates for purchase, versus lease. Payment and Shipping info for 1st Edition Camaro5 shirts, Americans increasingly going upside down on auto loans. I just had a giant lunch so I may be even less lucid than normal, so please bear with me. PenFed's new car loans as of Dec. 31, 2018 were $1.9 billion, up 7.7%, while the total among all credit unions was $21.2 billion, up 5.9%. I drive alot, PA charges 9% lease tax on leases, and of course BMW acquisition/leasing fees are not something you deal with when buying. I recently applied for an New Auto Payment Saver loan for $65k through PenFed Credit Union and was declined, the reason was Excessive Obligations in Relation to Income (Overextended). Idk what the full scope of the deal is, but if you make $10,000/month and owe $9,500/month in revolving debt and credit card balances, that leaves you with only $500/month of available buying power. Since the title is in YOUR name you have more options prior to loan maturity and at loan maturity. I can't remember where I read it but I believe Payment Saver is no longer offered as of late last year. Retiree with a solid pension and half a century of on-time car payments? Now you can leave those worries behind and use Access Bill Pay! Latest BALLON LOAN options (best to worst): CapEd Credit Union ( Started the process online on Mondaycheck was at our doorstep on Thursday. Alright guys so I just had to report on my deal as the numbers are great! They would only give me 1.9% on select but gave .9% on regular financing, Pricing, Ordering, Leasing / Purchasing, Delivery, Do we have to have a checking account open too or just share account is good enough? Theyll get you financing. You will need to put in the rental income as "other income" on the credit app, and provide your tax returns showing that income, or sometimes the leases, or bank statements, etc. Did you get this quote via their PenFed website? CALCULATE YOUR PAYMENT SAVER LOAN PAYMENT. No early payoff penalty. Might have to call them and ask. The pen fed saver payment calculator estimates a rubicon unlimited with 53k msrp to be worth 34k in change after 3 years. Teachers Federal Credit Union ( My PenFed Visa has a $50K limit, which is their max. I currently pay $800 a month on a auto loan, so trading it in for another $800 isnt a strain on my finances. 2% cash back for PenFed Honors Advantage Members. The share savings account gets you all the benefits, Powered by Discourse, best viewed with JavaScript enabled. If so, please share your experience with them. I understand the difference the RV would make on the monthly payments, but its not like you can give the car back at the end of the term like on a lease (at least on the balloon loan PenFed most recently offered). This may come as a surprise, but financing a car isn't that easy, and credit scores are only a small fraction of the total approval/decline. I wonder if its worth trying to contact Pen Fed again or just cut my losses and work with the dealer. Out of curiosity, for those who have balloon loans, whats your APR? Collapse. I ended up taking the truck even though it was more expensive because I'd rather take the risk on a truck instead of what will be an 7-8 year old cadillac at the end of the loan. Just like buying new? I love pen fed dont get me wrong and have used the payment saver 7+ times, but it was so much better years ago. Where the manufacturer has restrictive lease terms, for example Tesla or Mercedes, that limit your ability to sell/trade/transfer the lease and where you often will have equity. There's so much else going on behind the scenes. The content you are about to view is produced by a third party unaffiliated to Pentagon Federal Credit Union. Re: Penfed Pre-Approvals Credit Card. Forums. They changed stuff over the years. Thanks, I was really intrigued buy the loan option Pen Fed was offering to lower payments. Camaro Price | Ordering | Tracking | Dealers Discussions, General Automotive + Other Cars Discussion, Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums -, Find More Posts by joes3rdcamaro82/91/2010, Annual mileage options of 7,500, 10,000, 12,000, 15,000 & 18,000 available. . CarBuilder gives you the ability to build your vehicle of choice online, then compare the cost of the Payment Saver low payment to the conventional loan payment. All Rights Reserved. "They don't have to . Solve Now. But regardless its clear that people generally arent doing these to save money. Credit Unions often offer what's called a Payment Saver Auto Loan. Maybe you can reverse engineer a good guess on the RV by figuring out total cost of payments compared to MSRP. The bottom line: Pentagon Federal Credit Union, or PenFed, offers good interest rates for checking and even more competitive rates for online savings and money market . Collapse. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. $869.13. The banks want nothing to do with that, and will happily turn you away. AmeriCUs PaySaver Auto Loan program offers just that! G42Model Year: 2021 + F44Model Year: 2020 + Previous Generations . Debt to income is also a huge factor, as you said. What this means for you: When you open an account, we will ask for your name, address . Put Your Money in Your Pocket with Mobile Banking, 8 Tips for Taking Reliable Mobile Deposit Check Photos. This credit union is federally insured by the National Credit Union Administration. Like, a super tiny fraction. New Auto Loans. This allows me to recoup the equity locked in the vehicle, which would otherwise be lost w/ a Tesla lease. If there is a CU of ours that you can lease through, that is the cheapest way to lease a sienna or odyssey. Should I wait since I just had Pen Fed pull my credit or does it not matter? That means they are most likely not seeing the originations that afg sold them on. Rates depend on terms, as follows: Then at 2 years post bk7 dc i applied for the PCR, approved for 7.5k at 17.99, ymmv. My wife also works and makes over $200k a year.We currently lease and finance Volvos. penfed payment saver forum. FTC's website on credit. Just did the payment saver plan on the M4 we are picking up next weekend. In addition, PenFed offers Payment Saver (Balloon) loan options for members seeking lower monthly payments. 2. 1323 3 Only show this user. The way the market is now I don't think I would touch it. Re: Has PenFed done away with Payment Saver (balloon finance) loans? Refinance your current vehicle loan to reduce your monthly payments with the PaySaver Auto Loan program. As far as balloon loans go, it's a very good program. Plus dealers had to explain how it was different and 95% of the customers would choose a lease because it makes more financial sense for them. Generally, I do think a balloon loan makes sense for short term purchases. NerdWallet rating. A lot of credit unions buy residuals from AFG. Looks a like 60 month balloon but cannot find any other info about it in terms of how to calculate residual.. could be an alternative to lease.. dunn2500. They had been very interested in leasing for years and then made a last minute decision to go with balloons based on a middle man who I think had a piece of the deal. Paysaver rates not posted, but you can apply for paysaver loan via the website. That being said, I did put like 10k down. We currently lease and finance Volvos. I think folks that are considering that option need to give themselves a reality check, and say "Can I REALLY afford this car?" Sound impossible? You'll discover the ease and convenience of paying your bills online in almost no time. You need to claim your rental income on the application. When I applied last month, it was for conventional: new, used, and less than 1 year old refi. Like a lease, the PaySaver Auto Loan program offers payments that are considerably lower than conventional financing. For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure. Reply. Id guess they will turn on a lease program sometime in the next year or two. Should I add $500 so that I dont get charged a service fee or I can close the chrcking and just keep my share account? Payment Saver auto loans. Do you think it is worth trying to contact Pen Fed even though they declined my reconsideration or should I just accept it and move on with dealership? G42Model Year: 2021 + F44Model Year: 2020 + Previous Generations; F22 / F23 . I created both and getting $10 charged every month from my checking account since I only have minimum. Thanks for the candid feedback. Had you not put down $10k, you would have been upside down. PenFed Payment Saver Deal. My question is, if I do go forward with the pen fed . Remember your panic when you were far from home and remembered that a bill was due? Just go to a dealer. The advantage here is there are no terms to ownership (you own the car), no acquisition fee, no lease tax (as there is in PA that is in excess of sales tax), no other lease-associated fees. Also offers a 2.14% rate for 96 months, so one application gives you both options. Penfed payment saver loans (like bmw select with balloon) Bimmerpost Model Selection. So i dont think there a specific method, but if you had to guesstimate it will be around the RV = to the 36/15k vehicle & changes based on the term you pick. Skip to content. I think Brad is right. Used auto loans: You can get up to 110 percent financing with terms . FWIW the AFG calculator is a good resource to play around with numbers: AFG Calculator. How to pick a car? Did anyone have great luck with these, thought about doing one for a corvette. They usually announce all the small CUs they sign each quarter. Instead you owe a large balloon payment at the end. They are difficult to get approved for compared to others as. Copyright AmeriCU Credit Union. Were they easy app, approval or did you have to send in a bunch of docs. Adnimation ATF. My wife also works and makes over $200k a year. { BK7 DC 12/2019 } target 1300/ kohls 3000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy . 2. Thanks for the info. On a typical (not speciality, not for purchase only incentives, not to avoid a closed-end lease) vehicle?? F40Model Year: 2019 + Previous Generations; F20 / F21Model Year: 2012 - 2018. Further information is available in our FICO Data Privacy Policy. Applications and Car Buying Service dealership match must be received during the promotional period, between 2/1/2023 and 4/30/2023. In both cases it seems to me it would make more sense to simply take out a longer term loan in the first place to get your payments down. There website says it's an estimation based on their data & the mileage cannot exceed 15k a year. That being said, I did put like 10k down. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. AFG runs a balloon loan program through a bunch of small CUs and a couple big ones (Pen Fed nationwide and SEFCU in NY). Im sure the dealer can get it done. I did do this loan on my e90 M3 back in 08. Payment Saver "Balloon" Loans Camaro Price | Ordering | Tracking | Dealers Discussions Payment Saver "Balloon" Loans - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums - You are browsing camaro5 Lowest available BALLON LOAN rate found was 2.49% but I did not qualify. I am going to guess that this is a terrible idea for someone that drives up to 20K miles / yr. F80 M3 / M4 Pricing, Ordering, European Delivery, You might also have luck in the r/whatcarshouldibuy subreddit. If I total the car my . I have a credit score of 821 and $130k annual income. This isnt a product thats useful to me. You can look through AFgs website in the press release section. Hanscom Federal Credit Union ( My wife wants a Sienna or Odyssey and want to see what options I have. Yep, that is what I am going with as well. penfed payment saver forumwhen will lego diagon alley be back in stock. New auto loans: PenFed offers up to 110 percent financing and terms from 36 to 84 months ranging from 1.49 to 3.49 percent APR. Popular programs such as PenFeds PSA Loan basically resembles a auto lease, but without th. I can't remember where I read it but I believe Payment Saver is no longer offered as of late last year. I have my score from Credit Karma but the dealership told me they got a different score. Welcome to Park City Credit Union's Payment Saver calculator site. The only time this "Payment Saver" would make sense is if you had money tied up in stocks or property that wasn't liquid right now but that you knew would be liquid by the time the balloon payment became due.

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