Hsbc bank bermuda - 28 Oct 2015 ... Butterfield to acquire HSBC's private banking, investment management arms in Bermuda ... The Bank of N.T. Butterfield & Son (Butterfield) has ...

 
 Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. HSBC Global Asset Management (Bermuda) Limited of 37 Front Street, Hamilton, Bermuda, is a wholly owned subsidiary of HSBC Bank Bermuda Limited. . Watch wresling

Mar 25, 2024. Listen to this article 3 min. HSBC USA's new head of wealth and personal banking was in Buffalo this week, getting acquainted with the team at the …Find out how to reach HSBC Bank Bermuda by phone, email, web chat, mail or in person. Get the contact details for different services, branches, ATMs and complaints.Starting your journey to becoming a homeowner with us is easy. First, you'll need to apply for a pre approval. We can usually process this on the same day you apply. Once your pre-approval is confirmed, our dedicated mortgage specialists will guide you through the rest of your application. How to apply.HSBC Bermuda's current BMD base rate for personal banking customers is 4%; All rates are subject to change without notice; ... Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority.HSBC Holdings News: This is the News-site for the company HSBC Holdings on Markets Insider Indices Commodities Currencies Stocks1. Launch the HSBC Bermuda app (you need to have activated your Digital Secure Key). Select ‘Generate a code’ from the bottom of the screen. 2. Select ‘Log on to online banking’ from the available options. 3. Enter your 6-digit PIN (or use biometrics if enabled on your device). As a security measure, an incorrect PIN will generate an ...Bank Bermuda Limited (the Company) and its subsidiaries (together ‘the Group’) as at 31 December 2021, and their consolidated financial performance and their consolidated cash …HBBM is subject to a capital surcharge in the range of 0.5% to 3%, based on its systemic importance to Bermuda's economy and banking sector. As of Dec. 31, 2019, HBBM's Common Equity Tier 1 (CET 1) and total capital ratios were 23.8% and 23.9%, respectively. We believe that the bank's CET 1 ratio could rise in 2020 from 2019 should RWA reduce.Starting 1st April 2024, Bermuda customers requiring HSBCnet support should send their email enquiries [email protected]. As a result of the sale of HSBC Canada, existing HSBCnet mailboxes for Bermuda enquiries (i.e. [email protected] and [email protected]) will be …The base rate for Bermuda dollar residential mortgages and consumer loans will increase by 0.50% to 4.00%. The Bank's Commercial Bermuda dollar base rate will ...Retail Banking and Wealth Management – Bermuda. To help fight against tax evasion and protect the integrity of tax systems, governments around the world are introducing a new information-gathering and reporting requirement for financial institutions. This is known as the Common Reporting Standard (“the CRS”) and we’d like to help you ...Meet the Team | HSBC Bermuda. Collapse. Starting 1st April 2024, Bermuda customers requiring HSBCnet support should send their email enquiries …HSBC Premier Banking. Enjoy the perks of Premium banking today. Find out more. Online and Mobile banking. Quick, easy and secure. Use online and mobile banking to have instant access to your accounts. Steps to register for online banking. Register for secure online banking with HSBC.3 Dec 2020 ... http://bernews.com | Bermuda | In recognition of the United Nations International Day of Persons with Disabilities today, HSBC Bank Bermuda ...Corporate customers can get in touch with their dedicated Relationship Managers. Disclosure. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton ...HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. What’s New. Jan 24, 2024. Version 3.42.0. Feature enhancements and bug fixes. Ratings and Reviews 4.7 out of 5. 2K Ratings. HSBC Bermuda is a leading provider of financial services in Bermuda, serving individuals, institutions and corporations locally and globally. Head office HSBC Bank Bermuda Limited, 37 Front Street, Hamilton HM 11, Bermuda. Choose from a 6, 12, or 24-month Online CD and benefit from fixed interest rates 2. Footnote link 2. A minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee 3. Footnote link 3.1. Choose your destination. Tell us where you are now, and where you want to open an account. We can help you open an account overseas in over 30 destinations. 2. Check you can apply. You can apply if you're at least 18 years old and have a valid reason for opening an account overseas. Other criteria apply depending on where you want to open an ...Advantages of having a pre-approved mortgage. we aim to confirm your pre-approval on the same day you apply. you'll know the price range of homes you can afford. pre-approved financing makes your offer more attractive to sellers. pre-approval is valid for up to 90 days. it's free to apply and there's no obligation to accept any mortgage offer.HSBC Global Private Banking’s role is to act as a partner and an adviser. In some instances, that will mean helping family businesses expand faster or explore new …The complete list of banks in Bermuda includes only four financial institutions, including Butterfield (The Bank of N.T. Butterfield & Son Limited), HSBC (HSBC Bank Bermuda Limited), Clarien (Clarien Bank Limited), and BCB (Bermuda Commercial Bank Limited). It’s important to carefully assess each bank’s preferences and account …Retail Banking and Wealth Management – Bermuda. To help fight against tax evasion and protect the integrity of tax systems, governments around the world are introducing a new information-gathering and reporting requirement for financial institutions. This is known as the Common Reporting Standard (“the CRS”) and we’d like to help you ...Disclosure. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by ...Listening to what you have to say about our services matters to us. Welcome to HSBC Bermuda. find all your personal banking needs including, accounts, credit cards, loans, …means HSBC Bank Bermuda Limited, ‘Group’ means the Bank together with its subsidiaries, ‘HSBC Holdings’ means HSBC Holdings plc and ‘HSBC’ or ‘HSBC Group’ means HSBC Holdings together with its subsidiaries. Unless otherwise stated all figures are rounded to the nearest million and presented in US dollars. Contact Bermuda Angela ...HSBC Bank Bermuda Limited Capital and Risk Management Final Pillar 3 Disclosures at 31 December 2019 Author: HSBC Bank Bermuda Limited Subject: Capital and Risk Management Pillar 3 Disclosures Keywords: hsbc bermuda pillar 3; hsbc bank bermuda;capital and risk management final pillar 3 disclosures Created Date: 2/28/2020 … Call us for more information on HSBC Premier, or to find out how you can become eligible. Lines are open 24 hours. +441 299 5252. You can also use our Web Chat function to discuss any questions you may have about HSBC Premier. Web Chat is available Monday to Friday between 9am and 5pm AST. HSBC Premier Banking. Enjoy the perks of Premium banking today. Find out more. Online and Mobile banking. Quick, easy and secure. Use online and mobile banking to have instant access to your accounts. Steps to register for online banking. Register for secure online banking with HSBC.Correspondent Bank HSBC Bank USA, N.A. 452 Fifth Avenue New York, New York 10018 U.S.A. SWIFT Code MRMD US33 Fedwire ABA Code 021001088 The above codes identify HSBC New York, however, only one is needed. The choice of code is dependent on the payment system used by the remitting bank. Beneficiary Bank HSBC Bank Bermuda … Chief Executive Officer. Stephen Banner was appointed as the Bank's Chief Executive Officer effective 12 November 2018. He has been with HSBC since 1991 and has worked for the HSBC Group in ten different countries prior to Bermuda, most recently as CEO of HSBC Greece from 2014-2018. More. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. Listening to what you have to say about our services matters to us. Whether you're new to online banking, or just need a reminder of how things work, our online banking ... Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. Listening to what you have to say about our services matters to us. Whether you're new to online banking, or just need a reminder of how things work, our online banking ...Looking for great beaches in Bermuda? You’re in the right place! Click this now to discover the BEST beaches in Bermuda - AND GET FR Bermuda is a surreal wonderland for beach bums,...Founded in 1865, HSBC is one of the world’s largest banking and financial services organisations. Go to this section ... Investor Relations Team, HSBC Bank Bermuda Limited, 37 Front Street, Hamilton HM 11, Bermuda. Telephone: +1 441 299 6737. E-mail: [email protected] apply for a HSBC Premier Mastercard® Black, you must hold a HSBC Premier account. This account is available to customers who meet at least one of the following criteria: maintain at least $200,000 (or foreign currency equivalent) in personal savings or investments with HSBC Bermuda. maintain a mortgage with an originating value of …According to the Clemson Cooperative Extension, Bermuda grass requires ½ to 1 pound of nitrogen fertilizer per 1000 square feet every four to six weeks after the grass turns green,...You may know about Crystal Caves, but there are a few other Bermuda caves you'll want to visit, including a few hidden in a beautiful public park. Bermuda may be best known for its...4 great reasons to try online banking. Simple and secure. Log on with your Secure Key for easy access to your accounts. Paperless statements. Access up to 6 years' worth of transactions. Easy payments and transfers. Move your money or make payments to accounts in the UK or overseas. Bank from home.HSBC Bermuda is a leading provider of financial services in Bermuda, serving individuals, institutions and corporations locally and globally. Head office HSBC Bank Bermuda …Bank of America swift code: Bank of America BOFAUS3NXXX (or simply: BOFAUS3N) Chase swift code: JP Morgan Chase CHASUS33XXX (or simply: CHASUS33) HSBC swift code: HSBC Bank PLC MIDLGB22XXX (or simply MIDLGB22) Try our online SWIFT/BIC lookup tool to locate any of the thousands active or passive swift codes.You don't need to visit one of our branches to manage your money with an HSBC bank account. Our online and mobile banking services allow you to access your accounts 24 hours a day, 7 days a week, ... To open a Bermuda bank account, you need to deposit a minimum of $100 BMD or equivalent currency.International Account Manager, Wealth and Personal Banking. New York, New York, United States Any, United States. Branch and Retail Banking. Permanent - Full Time. Hybrid Working. 22-Mar-2024 - 05-Apr-2024. View Job. Share.4 HSBC Bank Bermuda Limited Financial Statements 2021. Consolidated balance sheet as at 31 December 2021 2021 2020 Notes US$000 Assets Cash and balances at central banks 30,973 35,332 Items in the course of collection from other banks 12 76 Derivatives 7,12 29,683 23,679 ...Online and on your side ... Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment ...With HSBC Credit Card Alerts, we’ll notify you of activity on your card with a simple email. If you notice any suspicious transactions or activity let us know by calling our 24/7 contact centre immediately on 299-5518 and we’ll investigate it for you. Register. Learn more.The base rate for Bermuda dollar residential mortgages and consumer loans will increase by 0.50% to 4.00%. The Bank's Commercial Bermuda dollar base rate will ... Get started on your mortgage journey by making an appointment with one of our mortgage specialists to request a pre-approval. We'll let you know exactly what you need to do. How to apply. We offer competitive mortgage rates whether you're a first-time buyer or seeking a home loan to expand your portfolio. Apply now to insure your biggest asset. Achieve your ambitions. HSBC is one of the world’s leading international banks. Whether you are looking for a first job or taking the next step in your career, we offer many ways for you to realise your ambitions. Come and work with us and you'll have opportunities to make connections all over the world and help build the bank for the future.Find out how to access HSBC ATMs and branches across Bermuda for your banking needs. Learn about the services, hours, locations and contact information of each branch.eSign on HSBCnet. Log on to HSBCnet. We’re continuing to offer more features in HSBCnet to make it easier for you to bank with us. With eSign on Net (EON) you can now complete servicing requests digitally through HSBCnet, reducing the need for email chains, paper forms, branch visits and signatures.HSBC Bank 4 King'S Square, St. George’S - Working Hours, Phone, ... HSBC Bank; Bermuda; George’S; HSBC Bank 4 King'S Square, St. George’S St. George'S Branch. About. Address: 4 King'S Square, St. George’S Large Map & Directions ; Phone: 0295 4000 & 0299 5959; Fax: None;HBBM is subject to a capital surcharge in the range of 0.5% to 3%, based on its systemic importance to Bermuda's economy and banking sector. As of Dec. 31, 2019, HBBM's Common Equity Tier 1 (CET 1) and total capital ratios were 23.8% and 23.9%, respectively. We believe that the bank's CET 1 ratio could rise in 2020 from 2019 should RWA reduce.The complete list of banks in Bermuda includes only four financial institutions, including Butterfield (The Bank of N.T. Butterfield & Son Limited), HSBC (HSBC Bank Bermuda Limited), Clarien (Clarien Bank Limited), and BCB (Bermuda Commercial Bank Limited). It’s important to carefully assess each bank’s preferences and account …Bank Name: HSBC BANK BERMUDA LIMITED: Address: City: HAMILTON: Branch: CORPORATE TRUST SERVICES: Postcode: HM 08: Country: Bermuda: Connection: Active: Money Transfer: Save on international fees by using Wise, which is 5x cheaper than banks. Receive Money: Get paid at the real exchange rate by using Wise.Quarterly Bonus Saver Account. With a minimum deposit of only $100, earn an additional BONUS INTEREST for no withdrawals within each qualifying 3 month period. Open an account today! Apply online. HSBC BM.Bank of America swift code: Bank of America BOFAUS3NXXX (or simply: BOFAUS3N) Chase swift code: JP Morgan Chase CHASUS33XXX (or simply: CHASUS33) HSBC swift code: HSBC Bank PLC MIDLGB22XXX (or simply MIDLGB22) Try our online SWIFT/BIC lookup tool to locate any of the thousands active or passive swift codes.4 HSBC Bank Bermuda Limited Financial Statements 2022. Consolidated balance sheet as at 31 December 2022 2022 2021 Notes US$000 Assets Cash and balances at central banks 27,525 30,973 Items in the course of collection from other banks 210 12 Derivatives 7,12 155,085 29,683 ...Correspondent Bank HSBC Bank USA, N.A. 452 Fifth Avenue New York, New York 10018 U.S.A. SWIFT Code MRMD US33 Fedwire ABA Code 021001088 The above codes identify HSBC New York, however, only one is needed. The choice of code is dependent on the payment system used by the remitting bank. Beneficiary Bank HSBC Bank Bermuda … Ways to bank. Thanks to some recent changes to our online banking offering, it is now even more simple to start managing your finances in a way that makes sense for you. Choose one of the options below to learn more about how to start banking online, through our mobile banking app, with the help of our dedicated telephone service or by visiting ... Move your mortgage with confidence. Easily transfer. Competitive rates. No bank fees. Three great reasons to talk to us about switching your mortgage today. 5-year fixed mortgage rate. Our fixed-rate mortgage allows you to lock in your interest and keep your repayments the same over a five-year period. Specialist advice.In order to confirm your status under the CRS, you may be asked to complete the appropriate self-certification form and send it to CMB Client Service Unit, HSBC Bank Bermuda Limited, 4th Floor, Harbourview Center, 37 Front Street, Hamilton HM11 or to your branch or relationship manager. There are three types of self-certification form for the ...Fitch: Fitch: -. Moody’s: Moody’s: -. Standard and Poor’s: Standard and Poor’s: A-1. Stable. As at 19 February 2024. View the credit ratings for HSBC Holdings plc and other group entities. HSBC Bank Bermuda Limited Consolidated Financial Statements 2020. This pdf document provides the audited financial results of HSBC's subsidiary in Bermuda, including the balance sheet, income statement, statement of changes in equity, and notes to the accounts. It also contains the independent auditor's report and the directors' report. Download the pdf to learn more about HSBC's performance ... Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. Listening to what you have to say about our services matters to us. Let our beginner's guide to investing take you through everything you need to know about investments …Kelola investasi dan transaksi secara online di HSBC Internet Banking dan nikmati keuntungannya. Buka tabungan atau deposito online dalam 12 pilihan mata uang (IDR, USD, GBP, AUD, CAD, EUR, YEN, HKD, CNY, CHF, NZD, dan SGD) dan dapatkan nilai tukar kompetitif untuk transaksi mata uang asing Anda. Lakukan pembelian/top up reksa …According to the Clemson Cooperative Extension, Bermuda grass requires ½ to 1 pound of nitrogen fertilizer per 1000 square feet every four to six weeks after the grass turns green,...A link from Reuters A link from Reuters HSCB could pay a fine of $1.8 billion as part of a settlement with US law-enforcement agencies over money-laundering lapses, according to se...Meet the Team | HSBC Bermuda. Collapse. Starting 1st April 2024, Bermuda customers requiring HSBCnet support should send their email enquiries …Global View. Global View and Global Transfer makes it easy to manage overseas HSBC accounts. You can view, manage and transfer funds between all your HSBC accounts worldwide in one convenient place online. Available for Advance and Premier customers, the service gives you a simple view of all of your linked HSBC accounts on your online …HSBC Bank 4 King'S Square, St. George’S - Working Hours, Phone, ... HSBC Bank; Bermuda; George’S; HSBC Bank 4 King'S Square, St. George’S St. George'S Branch. About. Address: 4 King'S Square, St. George’S Large Map & Directions ; Phone: 0295 4000 & 0299 5959; Fax: None; 24 hour ATM. Coin Deposit (9:00 - 16:30) Change Notes to Coin (9:00 - 16:30) Online banking and Wi-Fi. Teller service (9:00 - 16:00) Premier centre. Advance Order PickUp. Disclosure. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary ... The complete list of banks in Bermuda includes only four financial institutions, including Butterfield (The Bank of N.T. Butterfield & Son Limited), HSBC (HSBC Bank Bermuda Limited), Clarien (Clarien Bank Limited), and BCB (Bermuda Commercial Bank Limited). It’s important to carefully assess each bank’s preferences and account …27 Feb 2023 ... The accompanying notes are an integral part of the Consolidated Financial Statements. Consolidated financial statements. 4. HSBC Bank Bermuda ...means HSBC Bank Bermuda Limited, ‘Group’ means the Bank together with its subsidiaries, ‘HSBC Holdings’ means HSBC Holdings plc and ‘HSBC’ or ‘HSBC Group’ means HSBC Holdings together with its subsidiaries. Unless otherwise stated all figures are rounded to the nearest million and presented in US dollars. Contact Bermuda Angela ...You can borrow up to. BMD 0.00. the maximum amount you can borrow may be lower depending on the amount of deposit you have available, your Loan To Value (LTV), or following our detailed assessment of your personal circumstances. figures given by this calculator or the provision of a Pre-Approval Letter do not constitute an offer to lend to you. Call our customer service team. If you want to speak to a member of our friendly team, we're here Monday to Friday, 8am to 5pm AST to help you manage your accounts. If you're an HSBC Advance or HSBC Premier customer we'll give you the option to speak to one of our customer service representatives, regardless of what time you call. The bank's S&P Global Ratings RAC ratio was 22.5% at year-end 2020, by our calculation, which is well above our very strong threshold of 15%. HBBM is subject to a capital surcharge in the range of 0.5% to 3%, based on its systemic importance to Bermuda's economy and banking sector.HSBC Holdings Plc ’s global co-head of technology, media and telecom Winston Cheng is leaving the bank to join a major tech firm. Cheng joined HSBC’s investment …Commercial Banking – Bermuda. The Foreign Account Tax Compliance Act (FATCA) is a new piece of legislation by the United States Department of Treasury (Treasury) and the US Internal Revenue Service (IRS) to counter tax evasion in the US. HSBC is committed to being fully FATCA compliant in all countries where we operate, in accordance with the ...Disclosure. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority.Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. HSBC Global Asset Management (Bermuda) Limited of 37 Front Street, Hamilton, Bermuda, is a wholly owned subsidiary of HSBC Bank Bermuda Limited.HSBC Bermuda is a brand name of HSBC Bank Bermuda Limited. Founded in 1889, HSBC Bermuda is the leading provider of retail and corporate banking, investment, custody and fund administration services to international and local clients. Since 2004 it has been a wholly owned, indirect subsidiary of HSBC Holdings plc. HSBC Bank Bermuda …HSBC in Bermuda. Management team. Corporate governance. News and media. Careers. Share. News and media. 2023. 2022. 2021. 2020. 2019. Media contact. Angela Cotterill, …Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. HSBC Global Asset Management (Bermuda) Limited of 37 Front Street, Hamilton, Bermuda, is a wholly owned subsidiary of HSBC Bank Bermuda Limited.You can visit www.bfm.bm to request a Claims Form. All claims must be submitted directly to BF&M General Insurance Company Limited: Monday – Friday, 8am to 5pm. You can contact BF&M Customer Service at +1 441 295 5566 or use the After Hours 24/7 Claims Helpline at +1 441 298 0247. Back to top.

Call our customer service team. If you want to speak to a member of our friendly team, we're here Monday to Friday, 8am to 5pm AST to help you manage your accounts. If you're an HSBC Advance or HSBC Premier customer we'll give you the option to speak to one of our customer service representatives, regardless of what time you call. . Mass ethics training

hsbc bank bermuda

Principal and interest. 7.25%. Personal. Up to 5 years. Principal and interest. 7.5%. A secured loan requires cash or property as a guarantee. By providing collateral, you may be able to access lower interest rates. Your account type. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. Connect with us Listening to what you have to say about our services matters to us. Follow these 3 easy steps: 1. Register your HSBC Mastercard Credit Card. Using your cellphone, download the Mastercard Pay with Rewards App . Scan the relevant code below for quick access. 2. Set your preferences to use your reward points at checkout. Switch on 'Next purchase' to use your points for the next thing you buy.HSBC maintained its forecast of one rate cut per quarter from August onwards, taking the BoE base rate to 3.50% by the end of 2025. "We no longer think the Bank will …Bermuda says it is welcoming tourists again beginning July 1. Here's how to plan, how to get there, and where to stay. Bermuda reopened to travelers in July. Since then, updated va... Valuable rewards and cashback - 1.35 reward points for every $1 spent. New applicants receive 3,000 reward points. Spend $5,000 in the first 3 months – get 7,000 bonus points. 20.95% APR. USD Denominated. Receive credit card alerts to help protect from fraud. Apply from the comfort of your home using online banking. 4 great reasons to try online banking. Simple and secure. Log on with your Secure Key for easy access to your accounts. Paperless statements. Access up to 6 years' worth of transactions. Easy payments and transfers. Move your money or make payments to accounts in the UK or overseas. Bank from home. HSBC Global Money Account is a prepaid, multi-currency account available on our the HSBC Mobile Banking App for customers who maintain an HSBC consumer deposit account. Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges. Camera-in device required to be able to utilize HSBC Mobile ... Chief Executive Officer. Stephen Banner was appointed as the Bank's Chief Executive Officer effective 12 November 2018. He has been with HSBC since 1991 and has worked for the HSBC Group in ten different countries prior to Bermuda, most recently as CEO of HSBC Greece from 2014-2018. More. Welcome to HSBC UK banking products including current accounts, loans, mortgages, credit cards. Also Premier and Advance banking and more…Premier BermudaCard Mastercard ... Exclusively available to our HSBC Premier customers. Solely for use in Bermuda. Apply using online banking in the 'Online ....

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