Rates
Rates
Deposit Rates: (printable version)
Savings | Checking | IRAs | Money Market | CDs | Bump Certificates | HSA Certificates
Loan Rates: (printable version)
Credit Cards | Auto | Personal Loan | Personal RV Loan | RVs | Boats | Motorcycles | Mortgages | Home Equity Line of Credit
Business Rates: (printable version)
Checking | Savings | Money Market | Certificates
Savings | Checking | IRAs | Money Market | CDs | Bump Certificates | HSA Certificates
Loan Rates: (printable version)
Credit Cards | Auto | Personal Loan | Personal RV Loan | RVs | Boats | Motorcycles | Mortgages | Home Equity Line of Credit
Business Rates: (printable version)
Checking | Savings | Money Market | Certificates
Deposit Rates
Savings |
Rates Effective 11/01/2020 | |
| Tier | Annual Percentage Yield (APY)1 | |
| Regular Savings | $0 - $499.99 | 0.00% |
| $500 - $2,499.99 | 0.05% | |
| $2,500 - $9,999.99 | 0.05% | |
| $10,000 or more | 0.05% | |
| Holiday and Tax Account | $0 - $499.99 | 0.00% |
| $500 - $2,499.99 | 0.05% | |
| $2,500 - $9,999.99 | 0.05% | |
| $10,000 or more | 0.05% | |
| Youth Account | n/a | 0.05% |
| Start Savings Account | $0.01–$500 $500.01 or more |
1.00% 0.05% |
| 1The APY may change after account opening. Minimum amount to open a Regular Savings, Youth Savings, Start Savings or Holiday and Tax Account is $5. You must be between the ages of 14 to 22 years old in order to qualify for the Start Savings account. Only one Start Savings account per member and member number (membership). No Primary member can have two Start Savings accounts (they can be joint on another account that has a different primary member.) For Start Savings accounts, on the first day of the month following your 23rd birthday, your account will convert to a Regular Savings account. Transaction restrictions apply. | ||
Checking |
Rates Effective 11/01/2020 | |
| Tier | Annual Percentage Yield (APY) | |
| Fusion Checking | $0 - $25,000 | 1.50%1 |
| $25,000.01 or more | 0.10%1 | |
| Start Checking | n/a | n/a3 |
| Cashback Checking | n/a | n/a4 |
| HSA Interest Checking | $0 - $2,499.99 | 0.05%5 |
| $2,500 - $9,999.99 | 0.05%5 | |
| $10,000 or more | 0.05%5 | |
1*APY= Annual Percentage Yield. APY is accurate as of 11/01/2020. Rates are subject to change after account opening. Minimum opening deposit is $25.00. When Fusion requirements are met, balances over $25,000 earn 0.10% APY. To earn Fusion rate and ATM fee refunds you must satisfy the following requirements during the requirement cycle: have at least 12 debit card transactions post and clear; have at least one automatic payment or direct deposit post and clear; receive statements electronically and log in to online banking at least once. Requirement cycles begin on the last calendar day of the month and end on the next to last calendar day of the month (at close of business on a Monday through Saturday and 5:00 pm on a Sunday). To ensure you receive the highest interest rate tier, all Fusion requirements must be met by within the disclosed requirement cycle. ATM transactions do not count toward the 12 check card transactions. International ATM fees are not eligible for ATM fee refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned. If account requirements are not met, the rate will be 0.05% APY and ATM fees will not be refunded. 2The APY may change after account opening. Minimum amount to open an Interest Checking account is $25. There is a $1000 minimum balance requirement to avoid a service fee for interest checking. Fees may reduce earnings. |
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IRAs |
Rates Effective 11/01/2020 | |
| Tier | Annual Percentage Yield (APY)1 | |
| High-Growth IRA | $0.00-$24,999 | 0.05% |
| $25,000–$49,999 | 0.10% | |
| $50,000–$99,999 | 0.10% | |
| $100,000 or more | 0.10% | |
|
1The APY may change after account opening. Minimum amount to open a High-Growth IRA Savings Account is $5. Transaction restrictions apply. IRA Plan closure fee may reduce earnings.” |
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Money Market |
Rates Effective 11/01/2020 | |
| Tier | Annual Percentage Yield (APY)1 | |
| High-Growth Money Market | $0.01–$9,999.99 | 0.10% |
| $10,000–$24,999.99 | 0.10% | |
| $25,000–$99,999 | 0.20% | |
| $100,000–$249,999 | 0.40% | |
| $250,000 or more | 0.40 % | |
|
1The APY may change after account opening. Minimum amount to open a High-Growth Money Market account is $2,500. Transaction Limitations apply.” |
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High-Growth CDs1 |
Rates Effective 11/01/2020 | |
| IRA option available on all terms. | ||
| Term | Tier | Annual Percentage Yield (APY) |
| 6 months | $500 – $49,999.99 | 1.00% |
| $50,000 – $99,999.99 | 1.00% | |
| $100,000 or more | 1.00% | |
| 12 Months | $500 - $49,999.99 | 1.25% |
| $50,000 - $99,999.99 | 1.25% | |
| $100,000 or more | 1.25% | |
| 24 Months | $500 - $49,999.99 | 1.35% |
| $50,000 - $99,999.99 | 1.35% | |
| $100,000 or more | 1.35% | |
| 36 Months | $500 - $49,999.99 | 1.40% |
| $50,000 - $99,999.99 | 1.40% | |
| $100,000 or more | 1.40% | |
| 48 Months | $500 - $49,999.99 | 1.45% |
| $50,000 - $99,999.99 | 1.45% | |
| $100,000 or more | 1.45% | |
| 60 Months | $500 - $49,999.99 | 2.00% |
| $50,000 - $99,999.99 | 2.00% | |
| $100,000 or more | 2.00% | |
Featured Offers3
| Amount | Interest Rate | APY | |
|---|---|---|---|
| 9 Month Promo Certificate Not available with Add-To feature |
$500 or more | 3.20% | 3.25% |
| 18 Month Bump Certificate | $2,500 or more | 3.20% | 3.25% |
| New Money Bonus Rate2 Minimum Deposit: $10,000 |
$10,000 in new money Add 0.25% APY to any certificate term above |
25,000 in new money Add 0.50% APY to any certificate term above |
1Minimum amount to open a Certificate account is $500. 1Minimum amount to open a 18-Month Bump Certificate account is $2,500. Rates are subject to change without notice. For 18-month Bump Certificates, you may increase your rate twice during the certificate term to the rate currently in effect for the 18-month Bump Certificate. Credit Union reserves the right to stop offering this product at any time in its discretion. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. For IRA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.
2Bonus rate applies for the initial certificate term only. "New money" deposits between $10,000.00 and $24,999.99 qualify for a 0.25% APY increase; "new money" deposits of $25,000.00 or more qualify for a 0.50% APY increase. "New money" means funds that have not been on deposit with Advantis before the date of account opening. Cannot add funds to the 9 month certificate of deposit after account opening.
Health Savings Account Certificates1 |
Rates Effective 11/01/2020 |
|
| Term | Tier | Annual Percentage Yield (APY) |
| 6 months | $500 – $49,999 | 1.00% |
| $50,000 – $99,999 | 1.00% | |
| $100,000 or more | 1.00% | |
| 12 Months | $500 - $49,999 | 1.25% |
| $50,000 - $99,999 | 1.25% | |
| $100,000 or more | 1.25% | |
| 24 Months | $500 - $49,999 | 1.35% |
| $50,000 - $99,999 | 1.35% | |
| $100,000 or more | 1.35% | |
| 36 Months | $500 - $49,999 | 1.40% |
| $50,000 - $99,999 | 1.40% | |
| $100,000 or more | 1.40% | |
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1Minimum amount to open an HSA Certificate account is $500. There is a service fee if a minimum balance is not maintained in the plan. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information. There may be a penalty for early withdrawal. Rates are subject to change without notice. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. |
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Loan Rates
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Rates Effective 11/01/2020 | |
| Card Type | Annual Percentage Rate1 | |
| Signature Cashback Rewards | 13.74% to 22.74% | Variable |
| Platinum | 11.74% to 20.74% | Variable |
| Start Credit Card Program | 11.74% to 20.74% | Variable |
| Secured | 18.74% | Variable |
| Business Cashback Rewards | 14.74% to 23.74% | Variable |
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1APR=Annual Percentage Rate. APR is a variable rate equal to “The Wall Street Journal” Prime Rate (currently 7.00%) plus a margin. APR is accurate as of 12/01/2022. The APR is based on your credit qualifications. Foreign currency conversion fee up to 1% may apply. Credit limits between $250-$50,000. Underwriting approval is required. Cashback Rewards program restrictions, limitations and exclusions apply. Refer to Cashback Rewards Program Rules, Terms, and Conditions for further details. Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. |
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Auto1 |
Rates Effective 11/01/2020 | ||
| Loan Type | Terms | Annual Percentage Rate | |
| 2018 & newer | up to 6 Yrs | As low as 6.59% | Fixed |
| up to 7 Yrs | As low as 7.09% | Fixed | |
| up to 8 Yrs | As low as 8.34% | Fixed | |
| 2017 -2013 | up to 6 Yrs | As low as 7.09% | Fixed |
| up to 7 Yrs | As low as 7.59% | Fixed | |
| 2012 & older | up to 5 Yrs | As low as 8.09% | Fixed |
| Start Auto Loan | up to 6 Yrs | See rates above | Fixed |
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1APRs on auto loans range from 6.59% to 19.34% for purchase transactions or refinance of non-Advantis loans. APR for refinance of existing Advantis debt may be higher. Finance up to 120% of MSRP or Kelley Blue Book plus title, license and registration fees. For all auto loans the APR, maximum repayment period and maximum loan-to-value will be based on credit qualifications, loan amount and collateral. Payments on a 60-month fixed rate loan at 6.59% APR would be $19.61/month per $1000 borrowed; Payments on 60-month fixed rate loan at 19.34% APR would be $26.13/month per $1000 borrowed; Payments on a 72-month fixed rate loan at 6.59% APR would be would be $16.85/month per $1000 borrowed. Payments on a 72-month fixed rate loan at 19.34%APR would be $23.57/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 7.59% would be $15.38/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 14.34% would be $18.93/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 8.34% would be $14.31/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 10.34% would be $15.35/month per $1000 borrowed. Underwriting approval is required. Annual Percentage Rate (APR), loan term, and LTV will be based on credit qualifications, loan amount and collateral. The Start Auto Loan Program is subject to credit approval, terms are limited up to 72 months with financing of up to 100% of MSRP/Kelley Blue Book; collateral mileage must be less than 100k. Applies to autos less than 10 years old. ++ Interest begins to accrue from the date of origination, Loans that are not eligible to receive the deferred payment option include: internal auto refinances, Start auto loans, recreational vehicles and unsecured. vehicles and unsecured. |
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Start Personal Loan1 |
Rates Effective 11/01/2020 | ||
| Loan Type | Terms | Annual Percentage Rate | |
| Personal Loan | Up to 3 yrs | 9.90% to 17.90% | Fixed |
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1APR= Annual Percentage Rate. APRs range from 9.90% to 17.90% and will be based on your credit qualifications. All loans subject to underwriting approval. Payment example on a fixed-rate 3-year personal loan at 9.90% would be $32.22 per $1000 borrowed for 36 months. The Start Personal Loan Requires a Parent or other co-signer if under 18 years old. |
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Personal Loan1 |
Rates Effective 11/01/2020 | ||
| Loan Type | Terms | Annual Percentage Rate | |
| Personal Loan | Up to 5 yrs | 9.90 % to 17.90% | Fixed |
|
1APR= Annual Percentage Rate. APRs range from 9.90% to 17.90%. APRs will be based on your credit qualifications. All loans subject to underwriting approval. Payment example on a fixed-rate 5-year personal loan at 9.90% would be $21.20 per $1000 borrowed. |
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Personal Flex Line1 |
Rates Effective 11/01/2020 | ||
| Loan Type | Terms | Annual Percentage Rate | |
| Line of Credit | N/A | 13.74% to 22.74% | Variable |
|
1Variable rate line of credit from $250 to $50,000. The APR is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. |
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Personal RV Loans1 |
Rates Effective 11/01/2020 | ||
| Loan Type | Terms | Annual Percentage Rate | |
| New Units Only | Up to 5 years | 6.99% to 8.74% | Fixed |
| Up to 6 years | 7.49% to 9.24 % | Fixed | |
| Up to 7 years | 7.99% to 9.74% | Fixed | |
| 1For all Personal RV loans the actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Payment example: Payments on a 5-year loan at 6.99% APR would be $19.80/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 8.74% APR would be $20.63/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 7.99% APR would be $15.58/month for 84 months per $1000 borrowed; Payments on a 7-year loan at 9.74% APR would be $16.47/month for 84 months per $1000 borrowed. This loan type is intended for financing of UTVs, ATVs, personal watercraft, snowmobiles, scooters, dirt bikes, cargo trailers, utility trailers, and drift boats. All loans are subject to underwriting approval. Maximum LTV for personal RV is up to 90% MSRP, plus tax, title, license, and warranty. | |||
RV Loans1 |
Rates Effective 11/01/2020 | ||
| Loan Type | Terms | Annual Percentage Rate | |
| New & Used (2016 & newer) | 10 years | 8.24% to 10.74% | Fixed |
| 15 years | 8.74% to 11.24 % | Fixed | |
| Used (2015 & older) | 10 years | 9.54% to 12.04% |
Fixed |
| 15 years | 10.04% to 13.54% | Fixed | |
| 1For all RV loans actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Maximum LTV for new RV is up to 90% of MSRP or average NADA Retail plus title, license and warranty. Maximum LTV for used RVs is up to 85% of average NADA retail, plus title, license and warranty. Payment examples: Payments on a 10-year loan at 8.24% APR would be $12.26/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 12.04% APR would be $14.37/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 8.74% APR would be $9.99/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 13.54% APR would be $13.01/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval. | |||
Boat Loans1 |
Rates Effective 11/01/2020 | ||
| Loan Type | Terms | Annual Percentage Rate | |
| New (2016 & newer) | 10 years | 8.24% to 10.74% | Fixed |
| 15 years | 8.74% to 11.24 % | Fixed | |
| Used (2015 & older) Loans not offered on boats older than 20 years |
10 years | 10.04% to 12.54% | Fixed |
| 15 years | 10.54% to 13.04% | Fixed | |
| 1For all Boat loans actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Maximum LTV for new & used Boats is up to 90% of MSRP or average NADA Retail plus title, license and warranty. Payment examples: Payments on a 10-year loan at 8.24% APR would be $12.26/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 12.54% APR would be $14.66/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 8.74% APR would be $9.99/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 13.04% APR would be $12.68/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval. | |||
Motorcycles1 |
Rates Effective 11/01/2020 | ||
| Loan Type | Terms | Annual Percentage RatE | |
| Model Years 2013 or newer | Up to 5 yrs | 6.99% to 8.74 % | Fixed |
| Up to 6 yrs | 7.49% to 9.24 % | Fixed | |
| Up to 7 yrs | 7.99% to 9.74% | Fixed | |
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1For all Motorcycle loans the actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Payment example: Payments on a 5-year loan at 6.99% would be $19.80/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 8.74% would be $20.63/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 7.99% would be $15.58/month for 84 months per $1000 borrowed; payments on a 7- year loan at 9.74% would be $16.47/month for 84 months per $1000 borrowed. All loans are subject to underwriting approval. Maximum LTV for Motorcycles is up to 125% MSRP or NADA Retail but may be lower depending upon credit qualifications.
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Mortgages1
Rates Effective
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Home Equity Line of Credit1 |
Rates Effective 11/01/2020 | ||
| Loan Type | Term | Interest Rate | Annual Percentage Rate (APR) |
| Home Equity Line of Credit | n/a | 7.15% to 10.65% | 7.15% to 10.65% Variable |
1All home equity rates are based on your credit history, current credit report and loan to value ratio. The HELOC is a variable rate loan. All loans are subject to underwriting approval. For all real estate loans property insurance is required and flood insurance may be required. APR is based on Wall Street Journal Prime Rate plus or minus a margin. As of 11/03/2022 the Prime rate is 7.00%. Maximum APR is 12%. Floor APR is 3.99%.Closing costs range from $603.00 to $3,376.00, depending on loan amount, loan position and appraisal costs. This loan has a fixed rate conversion option. You may convert all or part of the outstanding balance up to 2 times during the draw period. First loan conversion is free; the fee for the second conversion is $50.00. The fee to reconvert back to a variable rate credit line is $100.00. Should you choose to convert to a fixed rate, your rate will be determined at the time of conversion based upon Prime Rate plus a margin, and will be higher than your current rate. |
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Business Rates
Business Solutions Checking1 |
Rates Effective 11/01/2020 | ||
| Tier | Annual Percentage Yield (APY*) | ||
| under $2,500 | 0.05% | ||
| $2,500 - $24,999 | 0.05% | ||
| $25,000 - $49,999 | 0.05% | ||
| $50,000 or more | 0.05% | ||
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1APY may change after account opening. Minimum deposit to open a Business Solutions Checking account is $100. Fees may reduce earnings. |
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Business Savings1 |
Rates Effective 11/01/2020 | ||
| Tier | Annual Percentage Yield (APY) | ||
| under $500 | 0.00% | ||
| $500 - $2,499 | 0.05% | ||
| $2,500 - $9,999 | 0.05% | ||
| $10,000 or more | 0.05% | ||
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1The APY may change after account opening. Minimum amount to open a Business Savings Account is $5. Transaction restrictions apply. |
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Business Money Market1 |
Rates Effective 11/01/2020 | ||
| Tier | Annual Percentage Yield (APY*) | ||
| Business Money Market | under $2,500 | 0.00% | |
| $2,500 - $9,999.99 | 0.10% | ||
| $10,000 - $24,999.99 | 0.10 % | ||
| $25,000 - $99,999.99 | 0.20% | ||
| $100,000 - $249,999.99 | 0.40% | ||
| $250,000 or more | 0.40% | ||
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1The APY may change after account opening. Minimum amount to open a Money Market account is $2,500. Transaction Limitations apply. |
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Business Certificates1 |
Rates Effective 11/01/2020 | ||
| Tier | Annual Percentage Yield (APY) | ||
| 6 Month Certificate | $500 - $49,999.99 | 1.00% | |
| $50,000 - $99,999.99 | 1.00% | ||
| $100,000 or more | 1.00% | ||
| 12 Month Certificate | $500 - $49,999.99 | 1.25% | |
| $50,000 - $99,999.99 | 1.25% | ||
| $100,000 or more | 1.25% | ||
| 24 Month Certificate | $500 - $49,999.99 | 1.35% | |
| $50,000 - $99,999.99 | 1.35% | ||
| $100,000 or more | 1.35% | ||
| 36 Month Certificate | $500 - $49,999.99 | 1.40% | |
| $50,000 - $99,999.99 | 1.40% | ||
| $100,000 or more | 1.40% | ||
| 48 Month Certificate | $500 - $49,999.99 | 1.45% | |
| $50,000 - $99,999.99 | 1.45% | ||
| $100,000 or more | 1.45% | ||
| 60 Month Certificate | $500 - $49,999.99 | 2.00% | |
| $50,000 - $99,999.99 | 2.00% | ||
| $100,000 or more | 2.00% | ||
Featured Offers3
| Amount | Interest Rate | APY | |
|---|---|---|---|
| 9 Month Promo Certificate Not available with Add-To feature |
$500 or more | 3.20% | 3.25% |
| 18 Month Bump Certificate | $2,500 or more | 3.20% | 3.25% |
| New Money Bonus Rate2 Minimum Deposit: $10,000 |
$10,000 in new money Add 0.25% APY to any certificate term above |
25,000 in new money Add 0.50% APY to any certificate term above |
1Minimum amount to open a Certificate account is $500. 1Minimum amount to open a 18-Month Bump Certificate account is $2,500. Rates are subject to change without notice. For 18-month Bump Certificates, you may increase your rate twice during the certificate term to the rate currently in effect for the 18-month Bump Certificate. Credit Union reserves the right to stop offering this product at any time in its discretion. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. For IRA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.
2Bonus rate applies for the initial certificate term only. "New money" deposits between $10,000.00 and $24,999.99 qualify for a 0.25% APY increase; "new money" deposits of $25,000.00 or more qualify for a 0.50% APY increase. "New money" means funds that have not been on deposit with Advantis before the date of account opening. Cannot add funds to the 9 month certificate of deposit after account opening.
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