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Companies most often choose Sberbank as the bank through which salaries will be paid to employees. It is the leading bank in the country with the most developed network of offices and ATMs, which simplifies the use of its services.

For its part, the bank is actively promoting its salary projects, within the framework of which people receive salary cards. For this category of clients, the SB provides special conditions on banking products, including reduced loan rates and a minimum package of documents when applying for a loan.

This is due to the fact that the bank does not need to separately study a person’s financial condition - it can already assess his capabilities through a salary account statement. Let's take a closer look at what a SB salary card is, what are the conditions for receiving it, its advantages and disadvantages?

What is a Sberbank salary card?

It is a standard card with a zero credit limit (debit), on which its owner receives a monthly salary from the employer. The client can withdraw funds and top up the card at any ATM. If the operation is performed at SB’s own ATM, it will be absolutely free. If the user decides to conduct a transaction at a third-party ATM, he will have to pay an additional fee.
Salary card holders can:

At any time of the day, withdraw the required amount and top up your card.
Pay in any retail networks and online stores.
Make payments for services and transfers in your personal account, which opens for free.
Receive not only your salary on your card, but also other social payments and benefits.
Use other bank products on favorable conditions.
Use the card without paying the annual fee.

How to get a Sberbank salary card?

This card is issued as part of a salary project that the bank enters into with the organization. To do this, the company must meet certain requirements, for example, to be an honest taxpayer, etc. After concluding this agreement, the employer transfers data about its employees to the bank, and the bank already launches the mechanism for issuing cards.

Ready-made cards are issued at bank branches or accounting departments. From this moment on, the company no longer needs to spend money on transporting and storing large amounts of cash or keeping a cashier on staff. It is enough to transfer the statement to the bank, and the money will already be transferred to the employees’ card accounts.

There are also obvious advantages for the cardholder:

You can control your expenses.
Money is credited at the specified time.
You don't have to worry about their safety.
You can receive profitable offers from Sberbank.
The ability to connect an overdraft - a credit limit on a debit card - and use it when necessary.
Participation in promotions and receiving discounts in SB partner stores.
Use of personal account and mobile banking services.

As salary cards, Sberbank issues cards of the lowest category Maestro or Electron, less often - the classic category, and for clients with high salaries– gold or platinum. Plastic lower level has a minimum annual maintenance cost and combines all the capabilities of a plastic card.

Conditions for servicing salary cards in Sberbank.

There is no need to pay for card maintenance (this is done by the employer).
Can be released additional cards with a reduced cost of service (50% of the card cost).
Re-issue of a card due to loss of PIN – 60 rubles.
Commission for replenishing the card is 0%. If you top up from another branch, the commission will be 1.25%, min.-30 rub., max.-1000 rub.
Commission for withdrawing cash from an ATM of another bank is 1%, min. 100 rubles.
The cash withdrawal limit per month is 500 tr., and per day – 50 tr.
The limit on transfers from card to card per day is 10 rubles. no commission
Commission for transfers to accounts of other banks – 2%, min.-50 rub., max.-1500 rub.

What to do if the owner of the salary card quits?

After dismissal, a person can continue to use his salary card. Only now he will have to pay the cost of annual service on his own, since the bank will automatically transfer the service to a paid basis.

All other privileges, such as loans or credit cards on preferential terms, will no longer be available to the former employee.

Sberbank is constantly trying to improve the quality of service to its customers and make its products more accessible to them. Among the numerous offers and programs, Sberbank operates a salary project for those who receive wages into an account with this bank. Plastic for crediting salary gives certain privileges to its holders and opens up opportunities for them great opportunities than ordinary bank clients have.

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What is a salary card

Sberbank issues various plastic cards and some of them provide their owners with certain privileges and advanced capabilities. What does a salary card give to bank clients? Along with plastic for enrollment wages, the client receives the following capabilities:

24-hour unlimited access to control and management of your funds through an information and payment terminal and ATMs;
preservation of all your savings, even in cases of loss of the card or its damage;
making purchases and paying for services in stores, retail chains in Russia and other countries of the world;
24/7 Free access to your personal account in the Sberbank Online remote customer service system and in the mobile application;
convenience, safety and comfort when making payments for goods and services, both directly and online;
accumulation of funds by transferring part of earnings to;
special, more favorable conditions for participation in various banking programs and use of banking products;
issuance of additional plastic cards for relatives of the project participant or his authorized representatives;
participation in bonus programs;
privileges from the bank and its partner companies, etc.

Sberbank salary cards: types and cost of their servicing in 2017

Each client has the right to independently choose the best option for a plastic card from several offered for receiving wages, since each type of plastic differs from the others not only in design and design, but also in the cost of servicing, as well as the size of the maximum available credit limit.

Sberbank issues the following types of debit cards:

cards to receive big bonuses"Thank you";
cards for which the client can independently choose an individual design for a fee;
classic;
youth;
Gold-class plastic;
instant issue cards “Momentum”;
cards with the ability to use a transport application (designed to pay for travel on all types of public transport);
cards participating in the Gift of Life charity programs;
pension cards for older people as well;
additional plastic cards.

Credit cards with a set limit are of the following types:

Gold.
Classic.
"Momentum".
“Give Life” (can be classic or gold).
Aeroflot (classic, gold, signature).

Of all the above types of plastic for receiving wages, only four can be issued:

Gold.
Classic.
"Gift a life".
Aeroflot.

Visa Classic salary card from Sberbank

Classic plastic cards of the international payment system Visa (Visa) are most popular among salary earners. Simplicity and ease of use make this type of cards simply irreplaceable. Visa Classic can be either a debit or a credit card. Debit cards are very convenient to pay in shops, cafes, restaurants, using the possibility of contactless payments.

A Visa Classic debit card is issued for a period of three years, after which it is required to be reissued (this service is provided absolutely free). The client, at his own discretion (based on personal circumstances), can choose the currency of the card account - rubles, US dollars, or euros. Regardless of the salary level, the holder has the opportunity to independently replenish the card account at any convenient time and for any amount.

The following limits are set for Visa Classic:

per day you can transfer funds to other accounts/cards no more than 500 thousand rubles;
You can cash out funds daily, but within the limit of 300 thousand rubles per day.

Classic card holders can enjoy all the benefits mobile application completely free and are also automatically members bonus program“Thank you from Sberbank.”

Attention! Card account holders can independently disable those services that were activated automatically and which they do not need.

The credit card has a limit of up to 600 thousand rubles (the loan amount is determined based on the financial capabilities and solvency of each individual client). The Visa Classic credit card has a grace period of up to 50 calendar days, which exempts the cardholder from paying interest on the use of credit funds. If the loan debt has not been repaid before the end of the grace period, then interest in the amount of 23.9 to 27.9% will be charged on the remaining debt.

One of the decisive factors when choosing the type of plastic for transferring wages is the answer to the question, how much does it cost to maintain an account? Until the end of 2017, there is a promotion, according to the terms of which, for the first year of using a classic or gold visa credit card, no service fee is charged. In all subsequent years, payment is made in the amount established by the tariffs for similar debit cards. The cost of their maintenance is 750 rubles in the first year of use, and 450 for subsequent years.

Gold card for Sberbank salary clients

You can emphasize your status and at the same time receive a lot of additional opportunities and privileges from the bank by ordering a gold card. It is valid for exactly three years, after which it must be reissued. Just like the classic one, it participates in the bonus program.

Attention! An account for gold class cards can be opened as follows: national currency, and in foreign (euro and US dollars).

With a gold card, the client gets the opportunity not only to demonstrate his worth, but also many others:

connect and configure the auto-transfer function, which allows you to transfer money to your family and friends regularly and without failures;
use all the advantages and useful functions of the application and mobile bank;
connect to the Piggy Bank service and save money to make your dreams come true;
accumulate “Thank you” bonuses and use them to pay up to 99% of the cost of theater tickets, air tickets, taxis, etc.;
connect to the Autopayment service and not worry about timely payment of utilities, loan repayment or replenishment of your mobile phone account.

The cost of servicing gold debit cards is 3 thousand rubles per year.

How to apply for a salary card

If you decide to become a salary client of Sberbank and you are interested this map, you need to know how to arrange it. To get it you need:

The head of the company where you work should personally come to the bank branch and conclude an agreement on the participation of the enterprise/company in the salary project.
Provide the bank with a list of employees who want to be served and receive a salary at Sberbank and a number of other necessary documents.
Then each employee of the company must independently submit an application for opening a card, having previously decided on the type of plastic (there are several of them).
After submitting an application to issue a plastic card from one of the international payment systems, you need to wait a few more weeks until the bank issues it.
When you receive a card at a bank branch (another option for receiving it is possible - at the enterprise), you have the opportunity to take advantage of other Sberbank offers and connect it to your card useful services(mobile banking, savings account, auto payment, etc.).

How long does it take to make a map?

After submitting an application for a plastic card to receive wages, many are interested in how long it will take to make cards. All plastic cards of Sberbank, except for instant issuance cards “Momentum”, are produced within 10 – 14 banking days, but the waiting time takes a little longer than two weeks. It all depends on the region in whose branch the card was ordered. Residents of the most remote regions of Russia have to wait the longest for their plastic. Debit cards are issued much faster than credit cards, since in this case there is no need to collect information or confirm it with facts about the client’s solvency.

If you ordered a card with an individual design, then its production time will be from 4 to 6 weeks, in rare cases a little longer. The thing is that such cards are not produced one at a time, they are issued in batches. When the bank collects the required number of applications for plastic with an individual design, then they will put them into production.

A personalized card (in the lower left corner of which the holder’s first and last name is indicated) takes a little longer to prepare than a simple salary card. This is due to the fact that personalized plastic has more degrees of protection. You can link such a card to your electronic wallets and easily withdraw funds from virtual accounts to your card account in Sberbank.

What does a Sberbank overdraft card mean?

The very concept of overdraft in economics, especially in banking, means exceeding one’s financial capabilities, going beyond established limits. There are situations when almost the entire salary has already been spent, but unexpected expenses suddenly arise, and the balance on the card is not enough. You can, in the old fashioned way, borrow from neighbors or close relatives, or get the required amount on credit, but it is much easier to use an overdraft.

The Sberbank overdraft salary card provides the opportunity to use not only your own funds, but also credit. This type of plastic is a universal payment option because it combines the capabilities of both debit and credit cards. If the card runs out of salary, then the holder does not need to worry that at the most inopportune moment he will exhaust the entire available limit. He can freely pay by card, withdraw money from an ATM, and make purchases via the Internet using an overdraft.

At that moment, as soon as you start withdrawing credit funds, there will be a negative balance on the card with a minus sign. This minus amount is the debt, which will be covered automatically immediately after the salary is credited.

Important! If the funds earned are not enough to pay off the debt, the cardholder can independently deposit funds into the account.

Owners of overdraft salary cards can use credit funds under the following conditions:

A credit limit (the maximum amount of credit funds that can be used in excess of wages) must be determined and set for the card. The limit is determined individually for each client based on the level of his monthly income and solvency.
As soon as a debt arises (overdraft, overspending), the bank charges interest on the amount of the debt (18% per annum in national currency, and 16% in foreign currency). If the client has any violation in the form of exceeding repayment terms or established limits, then the interest rate doubles.
Repayment of the overdraft that has arisen is mandatory before the end of the month following the reporting one, that is, if the debt arose on the 3rd day of the current month, then it must be closed before the 30th day of the next. Otherwise, you will have to pay double interest rate for using credit funds.

You should not consider an overdraft card as a type of loan. An overdraft can become a kind of safety net in case of unexpected expenses.

How to connect an overdraft to a Sberbank salary card

An overdraft can be activated when contacting the bank in the following cases:

to issue a card (the desire to join the number of payroll clients and activate an overdraft must be indicated in the application for the issuance of plastic);
directly to connect an overdraft to an existing card;
for release new card with connected overdraft service.

Important! Consideration of an application for connecting an overdraft takes several days, and a decision is made within a working week.

In order for the bank to make a positive decision on your application, you need to provide a complete package of documents:

passport of a citizen of the Russian Federation;
income certificate from your place of work;
certificates of the amount of additional income (if any);
employment history;
additional package of documents (driver’s license, documents on ownership of movable and immovable property, international passport and others).

Loans from Sberbank for salary card holders

Sberbank loans to individuals who are salary card holders are issued on more favorable terms than for other categories of clients, as evidenced by numerous reviews from those who have already taken out a loan. Among the privileges it is worth highlighting:

lower interest rates;
there are no fees (neither for issuing a loan nor for servicing it);
quick consideration of loan applications;
A minimum of documents are required for registration;
the ability to apply for a loan through the Sberbank Online remote system without mandatory visit bank branches, etc.

Among the current lending programs with privileged conditions for salary clients there are three areas:

customer credit;
car loan;
mortgage credit lending.

Attention! On the official website of Sberbank there is a calculation calculator that will help calculate the size of the monthly loan payment and the amount of overpayment on it. To calculate, you only need to enter the necessary data into the calculator form.

Consumer loan

At Sberbank, consumer loans for salary card holders are available under the following lending programs:

loan without collateral;
secured loan individuals;
loan secured by real estate;
loan for refinancing;
loan to military personnel - NIS participants (if the payroll client is a military personnel).

Terms of consumer lending for individuals who are among the payroll clients:

the ability to obtain a loan for a period from 3 to 60 months (5 years);
the bank does not charge a fee for servicing and issuing a loan;
the maximum loan size is up to 3 million rubles;
the ability to take out a loan with or without a guarantee;
slightly lower interest rates on the loan;
All you need is a passport;
prompt consideration of applications and quick decision-making;
applying for a loan directly at work through the “Bank at Work” service;
applying for a loan at any bank branch without reference to the place of registration;
submitting an online application for a loan for salary card holders through Sberbank Online.

Mortgage for salary card holders

Individuals who are holders of Sberbank salary cards can receive a mortgage loan on special conditions:

The loan term ranges from 3 months to 30 years;
the down payment is from 15% of the mortgage amount;
lower interest rates;
the possibility of obtaining a loan in national and foreign currencies (euro, dollars);
the ability to pledge housing for the purchase of which a loan is issued or any other residential real estate as collateral;
no commission for issuing a loan;
quick consideration of the application and making a decision on it;
opportunity to get a loan at your place of work.

How to close a Sberbank salary card

A plastic card, regardless of its purpose (salary, debit, credit or social) is the property of the issuer, that is, the bank that issued it. Therefore, if you no longer need it, you need to close it and return the jar. For this:

You need to personally go to a bank branch with your passport (preferably the one where the card account was opened).
The operator will check the balance on the card (if you have money, you can withdraw it from an ATM, transfer it to another account, or receive it through the cash register).
The bank employee will enter all the necessary data into the database and close the account.
The plastic is cut in half in the presence of the client.

Many clients are interested in whether it is necessary to close the account, or whether it is possible to simply throw away the card? When applying for a plastic card, each client is introduced to the terms of its use, including the cost of servicing the card account per year. Feedback from those who have already encountered this situation suggests that if you simply get rid of the plastic, then in subsequent periods the card account will go into the red, since the service fee will be debited from it. The price of such irresponsibility can be a number of problems (it will negatively affect your credit history, there will be arrears, interest will accrue, a debt will form to the bank, etc.) and they may come to you so that you not only pay for the service, but also the interest, and No one needs it except the bank. Therefore, closing a card account due to uselessness will save you from unnecessary headaches.

Salary card after dismissal

If for some reason you had to resign from the enterprise/company where you received a salary, then after your dismissal you need to contact the bank and close the card account so that in the future the bank will not charge you a fee for servicing it. But if you plan to continue using the card (replenish your account yourself, make transfers, pay with it), then you have the right to keep it.

In this case, do not forget about the conditions of Sberbank for using a salary card, on which you issued it, in order to avoid misunderstandings and possible problems. If you do not pay the account maintenance fee on time, the balance will go into the negative, and this will be regarded by the banking system as a delay, for which fines and interest will be charged. Thus, your card, which previously generated income, will turn into a “debt hole”.

YesNo

Answer: bailiffs can seize plastic as a result of having certain debts (for public utilities, for electricity, etc.). Immediately after you discover that funds have been debited from your account and the card is blocked:

Contact the bank branch and find out the reason for blocking and writing off Money from the account.
If the matter is a court decision, then immediately go to the bailiffs who are executing the court decision.
Make sure their actions are legal.
Write your own application to lift the arrest.
Along with the application, provide a certificate of income from your place of work for the last six months.
You will also need to provide documentary evidence from the bank that your earnings are being transferred to the seized account.
After which, the arrest must be lifted by bailiffs.

Even by a court decision to pay off your debt, bailiffs do not have the right to write off more than 50% of your total income. As an option, you can issue an additional card and activate the automatic transfer of funds from the arrested person. Thus, you will protect yourself from illegal actions of bailiffs.

Question: how can I find out via the Internet whether my salary card is ready?

Answer: if the card was ordered by the employer, which happens more often than it is issued directly by an employee of the enterprise, then you can find out about the readiness of the plastic directly from the head of the company. As soon as the package with ready-made cards is registered when sent to your regional bank branch, you will receive an SMS notification that your card is ready.

If the salary project was processed through Sberbank Online, then after processing the application for issuing cards, you receive a message with a password with which you can track the process of making plastic. This password can also be used when contacting the Contact Center, where they can also provide you with the information you are interested in.

Currently, almost all adult citizens of the Russian Federation have bank accounts bank cards, and for different purposes. The most common type of plastic is the Sberbank salary card. What options for such a card exist and how to apply for this payment instrument? In this article we will provide answers to these questions.

Description of overdraft on Sberbank salary card

Many users do not understand bank products and view the payroll card as a separate offer with its own tariff plans and conditions. In reality, any debit card can be used to calculate wages, the main requirement is that it must be issued within the salary offer.

Basically, corporate cards are provided to each employee of the organization and it is more difficult to attach your card to an existing salary account, and therefore such requests are often not fulfilled. Salary cards are not attached to a credit account, so there are no borrowed funds on them.

The exception is the permitted overdraft established by the bank. As a rule, the amount is not significant, no more than the monthly salary, which the client has the right to use by obtaining funds from an ATM, or by paying for purchases and leaving the account with a negative balance. An overdraft is issued for a short-term period and is repaid in full upon the first receipt of funds into the account. If there is insufficient finance to write off the debt, the remaining debt is repaid upon subsequent receipt.

Basically, an overdraft is activated automatically on the account and makes it possible to use a certain amount of the bank before receiving wages if there is a lack of own funds. A user who does not want to use this service must go to the bank office to fill out an application and reset the overdraft amount.

Is it possible to transfer money from a credit card to a salary card?

Many clients are interested in the possibility of moving money between current accounts, including credit accounts. It should be noted that Sberbank offers its clients many ways to transfer finances between debit accounts. You can make transfers both between your cards and to third parties.

It is possible to transfer money from a debit card to a credit card, and thus pay off the loan debt. However, it is impossible to transfer money from a credit account, since these funds are used only to pay for goods and services, and transfers to the current account are commensurate with cash withdrawal operations.

If a salary card needs to be topped up from a credit account, the client can use workarounds. For example, transfer funds to a Qiwi wallet, and then transfer from there to a corporate card. It should be noted that this method extends to the interest-free period on a credit card, which makes it possible to save on interest payments, since this option involves fewer transaction fees.

Sberbank Visa Classic salary card

We will provide information about what Sberbank salary cards are available, types and cost of servicing in 2020. For the purpose of crediting salaries, plastic cards of different payment systems are used: MIR, Visa or MasterCard. The disadvantages include that the payment system is determined by the employer himself. Co-branding offers can also be used as payroll cards, but then the cost of servicing the card falls on the employee.

Basically, the employer independently pays the obligations for servicing salary accounts, including the annual commission for the card. However, this does not apply to co-branded products and other premium cards.

The “Classic” visa is the most popular card issued as part of salary projects. Because the cost of annual maintenance, tariff plans for transactions have an acceptable indicator.

Annual maintenance cost 750 rubles for the first year, from the second year - 450 rubles. The validity period of the plastic is three years.
Restrictions on making transfers per day are no more than 500 thousand rubles.
Limits on cash withdrawal per day up to 300 thousand rubles. Funds are deposited into the account without commission.

Visa is one of the most well-known payment systems and the best option for calculating wages and performing transactions both in the region of registration and for travel, including foreign ones.

Such cards can be used in Sberbank’s bonus offer to accumulate bonus points for non-cash payments. They are equipped with contactless payment technology.

Production time for a salary card from Sberbank

How to get such a card? As noted above, wages include a product issued within the framework of a dedicated project. They are made for each employee and financed by the employer. In addition, the employer is in no hurry to attach the finished card to the salary account, since it is more convenient for him to order a new one, due to the labor-intensive procedure. The presence of an employee when submitting an application for the production of plastic is not necessary; he only needs to contact the bank office to receive an envelope with a card.

If the organization does not have a salary project, the employee has the right to go to the accounting department to fill out an application for the transfer of wages using the provided details. In addition, any active card, it is acceptable to provide credit card details, but its use is not profitable.

Re-issuance of a salary card is carried out automatically and, as a rule, by the end of the validity period of the old one, a new one is already sent to the bank office for issue. The plastic goes to the same department where the previous card was issued. The initial production of card accounts is carried out within 2-3 weeks. As a rule, the banking organization informs the user about readiness. Upon receipt of the notification, the client must contact the office to receive a payment card.

It is for miles that I can sometimes afford luxury flights to the far end globe in comfort, whereas for your own money you often have to sit in the cramped conditions of an economy class. This can be clearly seen if you compare how I flew from two times New York to Hong Kong on the same Cathay Pacific flight:, and! People often like to brag, “I got this ticket for five dollars!” - while completely ignoring tens of thousands of air miles spent. You can’t think like that, because the miles of each program have a real value. And so I became interested - how much do Aeroflot miles cost?

This is Maria. I first met Maria when I flew Aeroflot to China and

But how is the value of air miles measured in general?

Typically, miles are valued in cents, which can be earned per mile. Often, the minimum mileage is one cent. But, if you try hard, you can extract many times more benefits from each mile. The rough rule is this: the more expensive the ticket, the more profitable it is to buy it for miles. That is, the price in miles will also increase, but not so quickly. That is why ordinary people have an opportunity to exchange this virtual currency.

Let me give you an example with American Delta, which I fly with most often: I know that I can always get exactly one cent for their miles. But I do this extremely rarely. By using my delta miles much more often, I get one and a half to two cents in economy, and two to four cents.

For example, from Singapore to Kagoshima with a transfer in Seoul to Korean Airlines I took it for 40,000 miles. Its cash value is $1,400 - $1,500. It turns out I got three and a half cents for every mile!

First class tickets are usually even better deals (since they are even more expensive). For example, first class NY - Hong Kong costs more than 17 thousand dollars! Taking it for 67,500 miles, I was getting almost 26 cents per mile! What a pity that these prices no longer exist.

Of course, it’s not entirely correct to think so - after all, I would never in my life spend 17 thousand dollars on a one-way air ticket, which means I wouldn’t save so much money by getting this ticket for miles. But still, this serves as some kind of basis for assessing the benefits of this or that “free” ticket.

There is a site, thepointsguy.com, where they estimate the base cost of air miles and bonus points every month. different companies. For example, here is their report for July 2017. They value Delta miles at 1.2 cents (I, as we have seen, can get more for them), Flying Blue (KLM/Airfrance program) is valued at 1.3 cents, Singapore Airlines- at 1.5 (this year, flying their “cabins” I received about 10 cents per mile!), and so on.

Unfortunately, the site is American and they cannot track all the airlines in the world, so Aeroflot is not included in their lists. That is why I was wondering how much Aeroflot miles cost on average? I've booked their flights a couple of times (once in their business class seat next to me), but always with Delta miles. So I have no personal experience with Aeroflot miles.

So I tried to estimate using the example of a flight from New York to Moscow and back, comparing tickets in mid-September. Economy is $625, or 70,000 miles plus $125 in fees. It turns out that we save only $500, getting a measly 0.7 cents per mile.

The Comfort class is also not very good: a ticket costs $980, or 90,000 miles + the same $125. Savings of $865, or 0.96 cents per mile.

In business, the picture becomes a little more profitable. A round trip ticket costs $3,050 cash or 110,000 miles, but this time the fees go up to $240! This means you can save $2,800 with your miles - that's already a respectable two and a half cents! However, Aeroflot's business class is quite average, judging by the photographs (I haven't flown it myself).

But it is difficult to judge the cost of miles based on one route. I am sure that among my readers there are people who managed to squeeze out quite profitable exchanges on some lesser-known destinations. Maybe it’s profitable to buy tickets from them on partner flights? Please share in the comments the most profitable (or, conversely, the most unprofitable) stories about how you spent Aeroflot miles.

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