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<h3>FINATION TERMS AND CONDITIONS</h3>
<p>The following is hereby drafted for the purpose of guiding our members’ growth and practical business operations, for them to use on a regular basis. Please kindly refer to this if you have any question or need clarification on FINATION GLOBAL COMPANY LIMITED business practices. Fination Global Company Limited (hereinafter referred to as Fination) hereby reserves the right to review and amend these terms and conditions at any time. In Fination, every registered member is referred to as Fination Member.</p><p>
By virtue of being a registered member of Fination Member, you are bound by the terms and conditions, Code of Ethics and Policies and Procedures herein stipulated subject to subsequent reviews, violation of which may result to deregistration.
</p>
<h4>1.0 OVERVIEW</h4><p>
A Fination Member is considered to be a duly authorized and fully paid member, if FINATION accepts the completed Application form and accepts to be bound by this terms and conditions, such other policies and procedures thereafter a registrant shall be become Fination member.
</p><p>
The Company reserves the right to accept or reject any member's Application and Registration form without having to assign any reason for its acceptance or rejection. All Members are independent promoters and are neither agents nor employees of FINATION. The Promoter is responsible for bearing all costs and expenses incurred in the conduct of their participation in the business plan of FINATION. A Promoter must be of legal age. A Promoter must have only one sponsor(upline).
</p><p>
Husbands and wives married or de facto, may sponsor each other or have different sponsors. This also applies to any interlocking directorships or shareholdings that may exist from a business relationship. However, it should be noted, that all members must meet their own personal qualification levels to qualify for the rewards from the FINATION BUSINESS COMPENSATION PLAN.
</p><p>
A Member shall be responsible for the CONDUCTS/ activities of a spouse, whether or not the spouse is a member, or whether or not the member participates in the conduct. For example, a member shall not engage in an activity (such as fraudulent conduct which diminishes, damages or weakens the reputation of FINATION or its services) and where the spouse engages in that activity, the member shall be deemed to have engaged in that activity and shall be considered to be in violation of the applicable rule which shall result in termination of his/her Membership of the FINATION; and shall further bear all the losses and consequences resulting from that violation.
</p><h4>
2.0 MEMBERSHIP</h4><p>
As you join our membership program you accept to pay a minimum one-time non-refundable fee of $5 USD. This includes your payment for the training and your involvement in the business opportunity run on the platform as Multi-Level Marketing (MLM).</p><p>
2.1 NO REFUND</p><p>
All members accept that the joining fee is a non-refundable fee and that at the completion of the online application and payment of minimum $5 USD that no refund will apply.</p><p>
2.2 MEMBERSHIP CODE OF ETHICS</p><p>
a.I will follow the highest standards of honesty and integrity in all that I do as a Fination Member.</p><p>
b.I will not make negative or disparaging remarks about FINATION, coordinators, employees, representatives, services or project.
</p><p>
c.I will present our marketing plan accurately and honestly and without false representation, clearly portraying the level of effort required to achieve success in the business plan of FINATION.
</p><p>
d.I will carry out all the duties of sponsorship and responsibility of leadership as I develop my sales team in the business plan of FINATION.
</p><p>
e.I will treat everyone, whether they are in my sales team or not, with the same courtesy.
</p><p>
f.I will not promote FINATION as a Tax avoidance scheme or as pyramid scheme or Ponzi.
</p><p>
g.I will not produce marketing or training aids of any kind for any purpose without the prior written permission from Company.
</p><p>
h.I will consistently put forth my best efforts to promote the success of the business plan as a Fination Member. I WILL NOT ENGAGE IN ACTIVITIES THAT WILL CAUSE LOSS OR DISREPUTATION TO FINATION OR MEMBERS OR ANYONE NOR WILL I STIMULATE ANYONE TO DO SO.
</p><p>
i.I will not use the FINATION's name, information literature, gatherings of people or other members of the Company’s Resources to further any other business interest.
</p><p>
j.I know and accept that violation of these CODES OF ETHICS will result in the termination of my membership and also the benefits of my membership.
</p><p>
k.I will abide by all Policies and Procedures that pertain to the operation of my involvement in the business plan of FINATION GLOBAL COMPANY LIMITED.
</p><p>
2.3 MAINTENANCE OF MEMBER ACCOUNT INFORMATION</p><p>
It is the responsibility of each member to update any registration details of their account such as email address, postal address, and mobile number. This will ensure the member is kept up to date with all updates from the company. These updates are also posted in the News/Events section of the FINATION website and dashboard of each Member's website. FINATION will bear no responsibility for any loss (moral, physical or financial or legal or any other kind of loss) caused by entering wrong information into registration form/ misrepresentation by any member or any other person. Fination shall conduct KYC for withdrawals of funds and before collection of incentives and members agrees and/or accepts to comply with this provision for KYC.
</p><p>
2.3.1 ACCOUNT SECURITY</p><p>
Each member must keep their password and other secure access information confidential and notify FINATION promptly if the member believes that the security of his/her account has been compromised. FINATION has taken reasonable steps to protect the security of online transactions. However, FINATION cannot and does not warrant such security and will not be liable for any losses or damages resulting from any security breaches.</p><h4>
3.0 BUILDING A PERSONAL MARKETING TEAM</h4><p>
Fination Members have the option of building a personal marketing team under the FINATION BUSINESS PLAN by introducing the Compensation Plan to interested persons who are willing to undergo business training. It is the responsibility of such Fination Member to assist in the training, and monitoring of the activity of members of its personal marketing team to ensure compliance to the company’s policy. Any person electing to enter into the marketing business plan has the right to choose his or her Sponsor. Any disputes regarding Sponsoring or genealogy shall be decided by the FINATION.
</p><p>
A sponsoring Member(herein referred to as upline) must not exaggerate the earning potential that may result from this business opportunity and he is obliged to fully explain the FINATION BUSINESS MARKETING PLAN to all prospective Members without misrepresentation, making sure to stress that the degree of success is directly related to individual effort and ability.
</p><p>
3.1 CROSS SPONSORING</p><p>
Cross lining or cross sponsoring is where a member solicits other FINATION member who are not in their team or line of sponsorship to become a Member in their sales team. FINATION members may NOT introduce other FINATION members to other similar opportunities unless the person is personally introduced member or a closely related person. A "closely related person or entity" is any person in the household of the member (e.g. spouse, son, daughter, parent living in the same household) or any corporation, partnership, limited liability Company, trust or other legal entity, which is controlled by the Member. Cross lining is strictly prohibited in FINATION and may result in the imposition of penalties including immediate termination of the members account and participation in the FINATION Business plan.
</p><h4>
4.0 RELATIONSHIP OF A FINATION MEMBER TO FINATION</h4><p>
Members representing FINATION are known as Fination Members or independent promoters, and have no authority to bind the company to any obligations outside the scope of this agreement. The relationship between members and FINATION is established only by this Agreement. A Member is not an agent, employee or any other legal representative of FINATION or its service providers. Members are solely responsible for all self-employment taxes and any federal, state, local or other taxes that may be due as a result of their FINATION business activities. Members agree to abide by any national, federal, state, or local laws, rules and regulations pertaining to this Agreement. At Member's own expense, members will make, execute and file all such reports and obtain such licenses as are required by law or public authority with respect to this Agreement.
</p><h4>
5.0 MEMBERS RIGHTS AND RESPONSIBILITIES</h4><p>
Members who choose to promote FINATION are able to earn money and rewards through FINATION's Business Compensation Plan. The Fination Members understand and agree to abide by the Terms and Conditions. A Member understands they are bound by the terms hereof and that the member will be entitled to participate upon the acceptance of a valid application for participation. To earn through the Compensation plan a Fination Member needs to personally refer or introduce or sign-up at least two (2) members. Either directly through one-on-one or through a referral link.</p><p>
Members are responsible for their own marketing and accept that any rewards earned are the result of consistent marketing efforts. FINATION makes NO guarantees that a Member will qualify or earn the rewards.</p><p>
Members are responsible for ensuring any new member of their personal marketing team is aware of the terms and conditions, how the Business plan works, and how to take advantage of the empowerment, earnings, incentives and privileges.
</p><h4>
6.0 INCOME REPRESENTATION</h4><p>
Fination Members understand that any rewards or earnings that are offered from FINATION through the Business Plan is the result of members referring or signing up other willing members. Stage Advancement in the Matrix is not based solely on the introduction of other Members but in their ability to be actively involved in the promotion of the human capital empowerment opportunity.
No Fination Member may make any promise or guarantee that an associate will derive any specific income or profit from the income opportunity as a member of FINATION. Any reward or income a member earns or receives through the business plan is a direct result of the marketing efforts of the members and other members in their sales team. Members must meet the required qualifications as set out by FINATION to receive rewards or get paid from the Compensation plan.
</p><h4>
7.0 PROMO GIFT ITEM COLLECTION PROCEDURE</h4><p>
Member shall ensure that they collect their promo gifts personally by providing satisfactory evidence of account ownership and/or valid means of identification.
Any member who may choose to appoint a third party to collect his/her promo gifts on his/her behalf shall do so by giving the representative a letter of authorization duly signed by the member and such representative shall present his/her valid means of identification together with the letter of authorization.</p><p>
Every member or his/her representative, agent or privy shall do 5 minutes testimonial video at the point of gift collection; and this is prerequisite for promo gift collection.
</p><h4>
8.0 PROMO GIFT ITEM ENCASHMENT</h4><p>
Promo gift encashment is strictly prohibited and disallowed. Members are advised to collect their respective promotional gift items on the platform; personally or through their representatives, agents or privies.</p><p>
However, any member who may choose to encash their promo gift item shall do so PROVIDED THAT 10% administrative charges shall be deducted from the total value of the gift after its being sold, converted or encashed.
</p><h4>
9.0 TRADE AND MARKETING MATERIALS</h4><p>
Members shall not use the FINATION trade names and/or trademarks except to promote the company and as such must be expressly authorized by the company in writing.
</p><p>
Any sales and marketing materials supplied by FINATION may NOT be sold to other Fination Member at a profit and that any purchase of these materials from FINATION does not qualify members for any reward payments.
</p><p>
FINATION makes no warranty, express or implied, with respect to the use, efficacy or suitability for any purpose with respect to any such marketing material unless otherwise explicitly stated in writing in connection with the purchase thereof.
</p><h4>
9.1 THIRD PARTY MARKETING MATERIALS CREATED BY MEMBERS
</h4><p>
Members may create their own marketing materials. Any marketing materials that use the name FINATION or its trademarks or trade names MUST be approved expressly in writing by FINATION before they can be used.
</p><p>
A Compliance Approval Form is available on request via email from your dashboard member area. FINATION has no liability or responsibility for any content, including the quality, accuracy, completeness, legality, or usefulness of any information, product, service or process promoted on members web site or other marketing materials.
</p><p>
In no event shall FINATION be liable for any claims or damages of any kind arising from the contents of any website or marketing materials created by a Member. References in a members website or marketing materials to products, services, processes, hypertext links to third parties or other information by trade name, trademark, manufacturer, supplier or otherwise do not constitute or imply an endorsement or recommendation of FINATION.
</p><p>
Members are not permitted to take advantage of Company's name and are therefore not permitted to either infer or imply that they have a direct association or affiliation with Company by promoting themselves by way of FINATION name variations.
</p><h4>
10.0 LITERATURE
</h4><p>
FINATION produces approved literature for use by Members. All promotional material appearing in the Members Virtual Office is approved for downloading to print and copying onto disc for promotional use to prospective members however it may not be altered or added to in any way.
</p><h4>
11.0 DISCLAIMER
</h4><p>
Except as set forth in this TERMS AND CONDITIONS Fination Member acknowledges and agrees that FINATION has not made, does not make and specifically negates and disclaims any representations, warranties promises, covenants, agreements or guaranties of any kind or character whatsoever, whether express or implied, oral or written, past, present, or future, of, as to, concerning or with respect to: </p><p>
a)The value, nature, quality or condition of the company’s property (corporeal or incorporeal) including choses in action, shares, stocks, websites, proprietary information, trading secrets, endless and without limitation.
</p><p>
b)The income to be derived from FINATION.
</p><p>
c)The suitability of FINATION for any and all activities and uses which Fination Member may conduct thereon other than its current use, the compliance of or by FINATION or its operation with any laws, rules, ordinances or regulations of any applicable governmental authority or body,</p><p>
d)The habitability, merchantability, marketability, profitability or fitness for a particular purpose of any of FINATION’s packages, the manner or quality of the construction or materials, if any, incorporated into FINATION.
</p><p>
e)The manner, quality, state of improvement or introduction of any innovations or promotional packages or lack of it on the FINATION platform, or any other matter with respect to the FINATION, and specifically, that FINATION has not made, does not make and specifically disclaims any representations regarding compliance other than as specifically set forth in this TERMS AND CONDITIONS.</p><p>
Fination Member further acknowledges and agrees that having been given proper orientation on how the FINATION platform works and relying solely on its own volition to register on the FINATION platform and not on any Information provided by any other Fination Member which is contrary or inconsistent with the business of FINATION or the provisions of this TERMS AND CONDITIONS or any such information provided by any Fination Member who claims to represent or portray himself/herself as an agent or representative of FINATION without express authorization by FINATION; FINATION shall not be held liable for the act of any Fination Member who fraudulently misrepresent or promises or enters into a contract on behalf of FINATION without FINATION’s knowledge or express authorization, every prospect, investor or members of the public who wish to be part of FINATION should endeavor to conduct due diligence.
</p><h4>
12.0 COMPLIANCE APPROVAL</h4><p>
All submissions for compliance approval can be made by completing the form in the members secure dashboard area.
</p><h4>
13.0 FINATION WEBSITE</h4><p>
On occasion, FINATION will undergo routine maintenance or experience unexpected technical problems. FINATION will make a good-faith effort to do maintenance as quickly and conveniently as possible, and to respond to technical problems promptly. FINATION may be required to access an Associate's web site from time to time to provide maintenance. FINATION will not in any circumstance be responsible for problems, losses, or damages arising from loss of connectivity; errors in content due to application problems; loss of access by Members; or temporary or permanent loss of data.
</p><h4>
14.0 PROMISES MADE BY FINATION MEMBERS
</h4><p>
When a Member presents FINATION to others they should understand all aspects of the rewards program and not make any representation or promise that is not contained in this agreement or in FINATION corporate literature and promotional materials. This representation includes print media, video/audio media or any other form of advertisement/ promotion.
</p><p>
If a prospective Member relies on any promises made by a FINATION Member that is not stated in the official company materials, and the member fails to keep any such promise PERSONALLY, the prospective members shall only have recourse against the member and not FINATION.
</p><p>
If the member has unfulfilled promises made they have the option of lodging a complaint with FINATION. Upon receipt of such a complaint, the FINATION will investigate the matter as it deems necessary and, upon validation of such a complaint, impose appropriate penalties on the offending Member. Such action however will not result in any recovery of damages by the prospective Member, which the prospective Member is free to seek against the offending Member, not the FINATION. In severe cases the company may hand over such Fination Member to Legal Authorities for appropriate prosecution. The party to whom the promise is made is also at liberty to take legal actions against the offending party.
</p><h4>
15.0 MISREPRESENTATION</h4><p>
Fination Members will not misrepresent FINATION in any manner whatsoever at any time. For purposes of this terms and conditions, misrepresentation includes, but is not necessarily limited to the following:
</p><p>
a)Reviewing the marketing plan with any person without clearly advising them that no remuneration is received solely for enrolling or sponsoring new Members.
</p><p>
b)Reviewing the marketing plan with any person without clearly advising them that there is no requirement to pay a fee other than the Minimum Joining Fee of $5 USD
</p><p>
c)Stating that any person has made or may make any specific income through the use of the marketing plan and by the generation of income, whether by specific example, geometric progression, or otherwise. Unless in the same presentation it is stated that said hypothetical or potential earnings, as earnings may vary due to individual efforts, geographic location, timing and many other factors.
</p><h4>
16.0 POLICY CHANGES</h4><p>
Members agree that FINATION may from time to time make changes to it's benefits and opportunities, services, sign-up fees, marketing plan and incentives . Members will be made aware of changes via email or sms to the email address or mobile phone listed in their account details as well as posting updates in the UPDATE section of the FINATION website or members Dashboard. It is the responsibility of each member to ensure the email address listed in their account is valid and that they check regularly their Dashboard for the latest updates. Members agree to abide by all changes.
</p><h4>
17.0 WITHDRAWS
</h4><p>
a)Fination Members can withdraw their earning/incentives directly from their back office/account to their local bank accounts.
</p><p>
b)FINATION will deduct Withdrawal fee from each bank account withdrawal made by members. This fee shall be equal to $4 (for Bank wire, BITCOIN or other crypto)
</p><p>
c)Every withdrawal application is completed within Twenty-four (24) working hours.
</p><h4>18.0 CONFIDENTIALITY
</h4><p>
Members understand that the FINATION marketing plan, details of their progress in the rewards program, details of their FINATION sales team, and official company literature are proprietary information and considered trade secrets of FINATION. Members hereby agree to not directly or indirectly disclose or use any of said confidential or proprietary information except to specifically promote FINATION opportunity in accordance with the provisions of this Agreement. Members further agrees that this provision shall survive the expiration or termination of this Terms and Conditions for a period of 10 years.
</p><h4>
19.0 TRANSFER OF MEMBERSHIP ACCOUNT AND BENEFITS
</h4><p>
A Member may sell, or WILL on to its "surviving heirs" its interests in its business asset / any continuing income / and the inherent future potential of its earnings. In such an event, the remaining period of income and incentives shall also be transferred to the purchaser or heir. For FINATION to acknowledge the sale the selling Members must supply proof of the sale in the form of a signed letter by both parties detailing that the sale has been made as well as providing details of the purchaser including all the fields listed in their profile. The documents can be emailed to FINATION official email address. FINATION will advise the seller and the purchaser by email if the sale has been approved. Members who sell their FINATION Account must wait six months after the sale has been executed and authorized by the Company before they can rejoin as a Member.
</p><h4>
20.0 CANCELLATION
</h4><p>
Where a member wish to cancel their account with FINATION, such member must notify FINATION from the support desk of their Dashboard. If the membership is cancelled, that member may not apply for new membership for at least 6 months after FINATION has received the notice of cancellation. FINATION reserves the right to cancel and deactivate a member’s Account should there be any breach by the member.
</p><h4>
21.0 INHERITABILITY
</h4><p>
FINATION membership account, like any other account, business or asset a member may have, is fully transferable in accordance with the terms of a Will, or, in the absence of a Will, it passes to the heirs pursuant to the applicable interstate succession laws. For those members whose FINATION account is/are owned by a corporation (or some other type of legal entity), there would be no change in the ownership of the Account upon the death of an owner of that corporation, etc. Ownership of the corporation would change by passing to the heirs, but the corporation would continue to own the FINATION Account.
</p><p>
Members indemnify and hold FINATION harmless against all claims made by any third party, and any related damages and expenses (including reasonable attorney's fees), arising out of or connected with the members assigning/willing his Account or the services and benefits the members offer.
</p><h4>
22.0 LIMITATION OF LIABILITY</h4><p>
FINATION makes no warranties, express or implied, related to the "FINATION marketing Plan", services rendered there under or, including but not limited to warranties of Empowerment and privilege of purpose. FINATION will not be liable to any member for indirect, incidental, special or consequential damages, such as (but not limited to) loss of profits or business interruption, arising out of or connected to the use of, or inability to use, the "FINATION compensation plan", related services, or marketing materials provided to any Member. The total liability of FINATION for any and all damages arising from or connected with this Terms and Conditions, the "FINATION Compensation Plan" or the services, or marketing materials provided to any member shall not exceed the total fees paid by the members to FINATION.
</p><h4>
23.0 IMPOSITION OF PENALTY</h4><p>
If member breaches any of the provisions of this Terms and Conditions, violates any applicable law or regulation or engages in any false, misleading or unfair marketing practice, including but not limited to, making misleading income representations or making promises to potential Members that cannot be kept by member, (herein called "Violation") any such Violation is grounds for the imposition of penalty, as more fully set forth hereafter. FINATION may suspend the Member, including suspension of rewards earned at the time, Blocking of Account pending investigation of any alleged Violation.</p><p>
The Member shall be given notice of the alleged Violation by e-mail, fax or other rapid method of communication and shall have seven days thereafter to respond in writing (verbal response will not be considered) to any alleged Violation(s), failing which, FINATION can consider the allegations to be true. (It is Member’s responsibility to see that FINATION </p><p> receives the response, with supporting documentation, if any, within the seven-day period.) If at the end of the investigation it is determined that Member is to be penalized, the date of the imposition of the penalty can be, at the FINATION's option:</p><p>
a)The date of the penalty notice, the date of the notice of the alleged violation.
</p><p>
b)The date on which suspension, if any, occurred, or any other current date.
Incomes suspended and/or earned, if any, as of the date of a termination, shall not be paid. Any such payments not paid shall be deemed to be liquidated damages as payment of part of the damages suffered by FINATION for the Violation. A Member can request that any decision to impose a penalty be reviewed and supply any additional material that may bear on the matter in support thereof within seven days after notice of the penalty is given. The FINATION shall then advise the Members of its final decision. </p><p>The FINATION shall have the option of imposing any one or more of the following penalties for Violations: </p><p>
a)Blocking of the Member's Account; </p><p>
b)Denial or revocation of any Incentive awards otherwise earned;
</p><p>
c)Denial of Fund Earned from sponsored associate, matrix bonus or from down-line activities;
</p><p>
d)Imposition of a fine in an amount to be determined by the FINATION; and/or Termination of the Member's Account. </p><p>
No extension of time or indulgence granted by FINATION to the members shall be deemed in any way to effect, prejudice or derogate from the rights of in any respect under this Agreement, nor shall it in any way be regarded a waiver of any rights by hereunder or a novation of this Agreement.
</p><h4>
24.0 OFFICIAL LANGUAGES/DEFINITIONS</h4><p>
The English version of this Terms and Conditions, as maintained by FINATION is the official version and shall control over any other language version(s) which may be made available for ease of reference for some Members. As used in the FINATION materials, when the term, " refer/introduce" and words of similar import are used to describe the enrolment/ promotional activities of members this is an abbreviated reference to the promotional activities of member with respect to sales and it is understood. Likewise, when the term, "recruit" and words of similar import are used to describe the referral and recruiting activities of members, this is an abbreviated reference to the team building activities of Members and it is understood that the agreement by which one becomes a Member is between the FINATION and the recruited Member and not between the new member and the referring member.
</p><h4>
25.0 INCORPORATION OF AGREEMENT</h4><p>
If Member has enrolled in a "FINATION Opportunity ", Acceptable Use Policy and such other policies and procedures are incorporated herein as if fully set forth.
</p><h4>
26.0 ENTIRE AGREEMENT</h4><p>
These Terms and Conditions constitute the entire agreement between the parties on the subject matter hereof, and no other additional promises, representations, guarantees or agreements of any kind shall be valid concerning such subject matter unless in writing and signed by an authorized officer of FINATION.
</p><h4>
27.0 RESPONSIBILITY</h4><p>
FINATION is not responsible for the acts of its Members under any circumstances for their wrongful and illegal activities.
</p><h4>
28. ACKNOWLEDGEMENT</h4><p>
A Member acknowledges that he/she has read, understands and agrees to the terms set forth in this Agreement. A member understands that this Agreement is not in force until accepted.
</p><h4>
29.0 ANTI-SPAM POLICY</h4><p>
Company Has A Zero Tolerance Anti-Spam Policy. This Means That Any Team Leader Or Member Or Related Member That Spam's In Any Way Shall Be Immediately Terminated With All Rights Forfeited. </p><p>
The following Acceptable use (Anti-Spam) policy sets forth what activities on the part of an FINATION, Members will not be tolerated under any circumstances. These policies will be enforced to insure FINATION continued reputation remains as a high quality, professional FINATION will immediately terminate any Member found engaging in spamming or any illegal activity. Their participation shall be terminated and they will be charged five hundred dollars for each reported spamming activity as a penalty and damage charge. Company will immediately contact state and federal authorities to report such activity as it is a crime in many jurisdictions to Spam. </p><p>
Any Member, person or entity found spamming will have their relationship to FINATION when Company receives complaints from any part of the Internet community and verifies same. All Members are required to agree and adhere to these stated conditions. A Member cannot violate any applicable local, state, federal or international law.</p><p>
Illegal spamming activity includes posting identical or substantially similar articles to an excessive (more than 3) number of news groups or continued posting of articles which are of topic for a newsgroup; Sending unsolicited mass (to more than 10 users) emailing which provoke complaints from the recipients or where the recipients have not agreed, prior to such mailing to accept such emails. Unsolicited commercial advertisements posting on official WhatsApp and or Telegram group of Fination shall be treated as illegal Spam. </p>
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