If you have a loan or credit line from Bank of America, you may have encountered a penalty for a late payment. Bank of America late fees can be inconvenient and expensive. Is it possible to refund a late fee from Bank of America? The average bank in the United States charges between $25 and $50 for [. . .]
Read More →The average American pays an astonishing $167.40 in bank fees every month. Unfortunately, with bank fees being charged for not having enough money in a checking, savings, or investment account, it is the poorest Americans that get hit hardest with bank fees. In this article, you’ll learn how you can [. . .]
Read More →A Bank of America balance transfer fee refers to the amount of money it charges to transfer your existing debt from one card to another or another lender. Generally, Bank of America customers will want to transfer their debt to an account with lower interest rates. For example, if you maxed out your [. . .]
Read More →Bank charges easily top the list of the most annoying parts of having checking or savings accounts. Sometimes, these fees are hidden and sneak up on the account owner. At other times, they are blatantly upfront and seem to taunt you. But is there a fee for closing a Chase Bank account? This post discusses [. . .]
Read More →Nobody likes paying extra fees, including Union Bank debit card fees. In addition to charges such as overdraft fees, ATM fees, and transfer fees, Union Bank's debit card fees often catch us by surprise, making us wonder why banks charge so much for simple services. With the average American household [. . .]
Read More →How to Dispute Charges With Fifth Third Bank Easily On average, each American that owns a bank account spends between $80 and $100 a year on bank fees. These fees include overdraft fees, account maintenance fees, and checking account fees, among others. With this in mind, you can consider Fifth Third [. . .]
Read More →The average American pays over $160 annually in bank fees, and the average business account charges more than twice the monthly maintenance fees that the average personal bank account charges. TD bank fees for business accounts add up quickly and can seriously affect the bottom line, especially when [. . .]
Read More →Of the many things that might be harming your credit score, paying your bills late is one of the biggest culprits. However, if you end up with a Synchrony Bank late fee , you can always ask Synchrony to waive it. According to a Comparecards.com survey on over 1000 Americans, close to 90% of consumers [. . .]
Read More →Splitting the check electronically with friends is one thing: all you have to do is log into your PayPal, CashApp, or Venmo. It's another thing entirely when you have to transfer more than a few dollars and need to send funds electronically from bank to bank through Bank of America (or, BOA). There [. . .]
Read More →If you travel quite often, you've probably come across foreign transaction fees while making a purchase or withdrawing cash from the ATM in a foreign country. As a Bank of America Travel Rewards credit cardholder, you might have encountered Bank of America travel rewards foreign transaction fee . The [. . .]
Read More →How to Get Ally Bank Wire Transfer Fees Refunded Ally Financial Inc. is a provider of digital financial services. An extensive range of deposit and personal loan products and services are available through the company's direct banking subsidiary, Ally Bank. An Equal Housing Lender, Ally Bank is a Member [. . .]
Read More →Many customers love their bank of choice and can find something to appreciate about its products and services. However, it is a simple fact that every year, hundreds of bank customers are charged hundreds of dollars in bank fees - many of which they aren't even aware of until it's too late. HSBC Bank [. . .]
Read More →At least 70% of the US population uses a credit card, with 25% having more than three credit cards. The cards can accrue higher annual fees in exchange for perks and exclusive offers. However, if you don't pay the incurred fees on time, the interest rate will continue to rise, making it expensive over [. . .]
Read More →How to Avoid Union Bank Fees the Easy Way Owning a bank account makes it easier for people to save and manage their money. It also allows you to send funds to your loved ones back home and make online purchases securely. But in exchange for this convenience, you'll have to part with some fee. Like [. . .]
Read More →Did you find an unexpected bank charge on your bank account? Unfortunately, bank charges aren't an uncommon occurrence. Many banks have a variety of fees that often come as a surprise to account holders. This is because most account holders aren't able to find the various bank fees that may be associated [. . .]
Read More →Get used to it. Bank fees are here to stay. Multiple consumer watchdog organizations report that banks are seeking more creative ways to make money. Consumers are paying more bank fees than ever before. They add up fast. Many consumers don't realize how much they are paying. Banks change their fee structure [. . .]
Read More →A few things can be more frustrating in life than realizing that your bank is charging you fees you didn't even know about. Thus, the reason to know the necessary steps to challenge bank charges. Some bank fees can be too high and drain your account dry. One of the more straightforward ways to challenge [. . .]
Read More →Business account holders in the United States are subject to various fees ; and if you're like most businesses, you have an account with US Bank to handle your finances you will need to part with fees for business accounts. But don't worry, DoNotPay can help you fight US Bank business account fees and [. . .]
Read More →Do you have a Bank of America credit card? If so, you may be worried about certain fees associated with your card. Many banks offer credit cards that include unexpected, and often excessive, fees. In addition to this, these fees are often hidden, making it difficult for credit card users to know when [. . .]
Read More →If you're currently facing First Bank overdraft fees, you're likely not excited about it. For one thing, overdraft fees can quickly spiral into an ongoing financial crisis, one that's not going to be helped by heaping even more charges on your overdrawn account. For another, bank fees of all kinds, [. . .]
Read More →If you have a checking account with the First Republic Bank, you may be subject to some hefty fees and paying more in checking account fees than you need to. Over a Decade, this can average to $1,000 according to a study. But don't worry - there is a way to fight back. DoNotPay can help you contest [. . .]
Read More →Bankrate reports that fees on interest-bearing checking accounts that are not free hit a record high of $16.35 monthly in 2021. Indeed, Associated Bank checking account fees are constantly increasing these days, and can really take a toll on your balance. Surely there's a way to keep these fees under [. . .]
Read More →Annual fees on a credit card can be a pain. In fact, over 50% of the people who consider changing a credit card cite annual fees as the main reason. If you have Merrick Bank's credit card, you know how paying the huge Merrick Bank annual fees hurts. But did you know you can request a waiver on the annual [. . .]
Read More →Every year, American citizens lose roughly $160 to bank fees, including wire transfer fees from Citizens Bank ! While it's generally overdraft fees that claim a lot of concern and attention, if you're not careful, other bank fees can fly under your radar. Over time, they really start to add up. The [. . .]
Read More →It happens at the worst of times; you're out having fun, and you run into a kiosk or store that is cash only. Oh, but wait! You are saved by the ATM. What should be a quick slide of your card turns sour when you realize how much the fee is to receive cash from the machine; it's outrageous. DoNotPay can [. . .]
Read More →Bank fees can sneak up on you, costing you hundreds of dollars every year. While many banks offer special incentives for their customers, waiving certain fees and charges depending on your membership status, some fees are inevitable. However, you don't have to take on all of these extra fees without [. . .]
Read More →Overdraft fees are among the most common and high charges bank customers incur. For PNC Bank, they'll charge you a $36 fee for every item that overdraws your checking account by more than $5. However, if PNC Bank slaps you with high overdraft fees, you can file PNC Bank overdraft fees complaints requesting [. . .]
Read More →Venmo is a type of financial platform PayPal acquired. It's a mobile app and peer-to-peer payment platform that allows you to accept and send payments to and from other individuals online. Venmo can also be used to pay for different goods and services through online retailers, along with in-app purchases [. . .]
Read More →The two biggest banks in the U.S. are Chase and Bank of America. It is not unusual for consumers to have accounts at both banks or to regularly transfer money to others from an account at one of these institutions to an account at another. While most banks do not charge a fee for an incoming transfer, [. . .]
Read More →With the way society operates, it is almost imperative to have a bank account to handle your financial affairs quickly and efficiently. Bank accounts allow you to manage your money, pay bills online, write checks or use a debit card instead of always handling cash, shop online, easily send and receive [. . .]
Read More →There's no question that wire transfer is still excellent in sending large amounts of money. According to Bankrate, an average American spends between $0 to $50 on a single wire transfer. Transfer fees exist partly because there are costs to send money between banks. However, some hidden fees make wire [. . .]
Read More →Did you know that the average American pays $13.95 on bank fees? That adds up to $167.40 per year that could be spent on a nice meal, a new bike for a child, a day trip to the biggest aquarium or coolest firefighter museum in the state, or transferred to savings for a rainy day. Fortunately, DoNotPay [. . .]
Read More →Even if you love your bank, chances are, you have to pay some sort of unexpected and annoying fee every year. Overdraft fees account for a significant portion of banking fees every year, potentially adding up to hundreds of dollars in fees per customer. If you have had enough of paying overdraft fees, [. . .]
Read More →The Chase Bank money orders fee and other types of fees charged by banks are considered unfair by many consumers. The amount of each bank fee may seem minimal, but collectively, they add up over time. Even the few dollars lost to a bank fee could be better spent on a fast-food lunch or an impulse purchase [. . .]
Read More →From overdraft fees to transfer fees to ATM fees, the typical American loses over $100 each year on bank fees. However, fighting those monthly bank fees will get you the cash you deserve back in your pocket. Since LendingClub Bank acquired Radius Bank in 2021, the process for getting Radius Bank fees [. . .]
Read More →First Premier Bank is a South Dakota-based community bank offering various personal, business, as well as banking products and services. It is the 13th largest provider of MasterCard brand credit cards in the US, and it charges for processing credit cards. According to The Ascent, the average credit [. . .]
Read More →Are you planning a trip outside of the United States? Before you travel, call your local bank to see if they provide foreign currency services. Your foreign currency order will be delivered to your branch within 24 to 48 hours in most circumstances. PNC may purchase it back for U.S. dollars when you [. . .]
Read More →Financial institutions charge a transaction fee for purchases or cash advances performed with a US card in a foreign country. The fee ranges from 0% to 3% of the transaction amount. The fee is a surcharge to cover the costs related to currency conversion. It doesn't matter if the transaction was in US [. . .]
Read More →Many banks charge a monthly fee for carrying a less than the minimum balance they would like to see. It applies to checking and savings accounts, although the terms may be different. While you may think this is non-negotiable, look out for big banks, the private sector has a new tool. The DoNotPay app [. . .]
Read More →How to Get Fifth Third Bank ATM Fees Refunded Easily There almost always comes a time when you need cash fast, but your bank is closed for the day or too far away. You whip out your ATM card and get cash from the closest ATM. The bank and the owner of the ATM charge you a fee for quick access to your [. . .]
Read More →Get Axis Bank Visa Fees Refunded In 4 Steps Credit cards are not only convenient to use, they give you additional buying power, protect you during financial emergencies, and help to build your credit. It's a great financial tool to have at your disposal. However, if you've been hit with an Axis Bank [. . .]
Read More →How to Get PNC Bank Overdraft Fees Refunded Easily We've all been there. There has been a time in our lives we have experienced an overdraft fee. Using debit cards may have added to the problem by using your card without keeping appropriate records of each expenditure made. Finding a bank that doesn't [. . .]
Read More →When traveling abroad, it's helpful to have the right currency on hand to aid in commerce. However, exchanging US currency for foreign currency and back again can be an expensive proposition. This is especially true if you use a kiosk or other type of currency exchange facility overseas. You may, however, [. . .]
Read More →At some point, almost everyone miscalculates the amount of money they have in an account and overdraft. Fortunately, the bank will cover the transaction for you, but it'll cost you a lot of money. Some people get into a cycle of using their overdraft protection, but the fees make it hard to get back [. . .]
Read More →When you need to exchange one currency for another, your bank may charge a fee. This can add up over time, so it's essential to find a way to avoid these fees. One great option is to use DoNotPay ; this service can help you get around Chase bank currency exchange fees. DoNotPay is a free mobile app [. . .]
Read More →Banks charge several types of fees for services rendered to you. And while it's fine to pay the charges, there are times you might get charged for services you never authorized. According to recent studies, on average, Americans lose $167.40 per year on bank fees. Such charges can leave your financial [. . .]
Read More →Banks serve an important role in our society by keeping people's money safe and secure while allowing customers to accrue small amounts of interest. Despite this helpful purpose, banks can charge several types of fees, including Zions Bank overdraft fees, that can add up to hundreds of dollars per year. [. . .]
Read More →One important aspect to doing business in the U.S. is having ready access to your business bank account. However, banks knowing how vital a bank account is to a business often cash in by charging fees . Many people are not even aware of the fees they're being charged simply for having money in the bank. [. . .]
Read More →U.S. consumers are being charged on average more than $150 per year in banking fees. People who pay Comerica Bank ATM fees pay between $2.00 and $5.00 to access their own money. Bank of America ATM fees are also hefty, and Citizens Bank, TD Bank, and Chase Bank overdraft fees are the highest they have [. . .]
Read More →At some point in life, you may find that the amount of money available in your bank account isn't enough to complete a transaction. Luckily, most banks offer overdraft services so you don't have to worry. If you are a customer at Atlantic Union Bank, you may be interested to know more about Atlantic [. . .]
Read More →Nobody likes paying bank fines . Whether we're looking at fines related to overdrafts, checking accounts, transfers, ATM withdrawals, or anything similar, most of us have already paid enough fines and fees to last a lifetime. Such charges feel like a frustrating yet inevitable part of participating [. . .]
Read More →Dollar Bank touts itself as charging low overdraft fees , but in reality, their overdraft penalties may be more serious than you might think. While nobody enjoys paying bank fees or fines, it feels especially egregious when you sign up under the impression that they aren't a serious part of the equation. [. . .]
Read More →Traveling around the world and visiting new places is an exciting experience. You can learn about history, eat exotic cuisine, and discover the world. The only thing that can be a hassle is trying to find a place you can trust to exchange your US currency for local currency. Of course, some people preparing [. . .]
Read More →With hundreds of millions of customers and a global network of branches, Bank of America is well known for its extensive line of financial services. However, banking does not come without a price, with millions of Americans paying billions of dollars in bank fees each year. A report by Bankrate reveals [. . .]
Read More →Financial institutions levy bank fees on their customers for providing financial services. An average US household spends about $290 annually on bank fees. But did you know you can fight the Bank of America cash advance fee and get a refund? Besides, these charges are exploitative, and you can leverage [. . .]
Read More →Debit cards are much more convenient than carrying around wads of cash, especially when traveling abroad. Unfortunately, most banks charge foreign transaction fees, which can add up quickly. If you'd like to fight your US Bank debit card foreign transaction fee , you can do so quickly and easily with [. . .]
Read More →Did you know the average American loses $167.40 per year on bank fees like overdraft and ATM fees? While this amount seems insignificant, it makes a big difference for some families. According to a CBS News report, low-income households are the worst affected by hefty bank fees and fines. Banks impose [. . .]
Read More →If you are a frequent user of the ATM, there is probably one thing you hate: the ATM fees. The average ATM fee is $2.50, an amount that you can easily brush off but can accumulate to thousands of dollars, especially if you are a frequent atm user. If you are especially withdrawing from an ATM where you [. . .]
Read More →How to Fight Discover Bank Fees Banks allow people to securely store their money, take out loans on large purchases, and more. But these institutions aren't just there to serve: they exist to make money too. One of the largest money makers for banks is charging fees to customers, which can add up [. . .]
Read More →For many cardholders looking to maximize their rewards from credit cards, getting a card that aligns with their expenditure is essential. Although travel credit cards are excellent for those who know how to navigate the travel rewards programs, cash reward credit cards are great for people who want money [. . .]
Read More →Foreign transaction fees can be quite a nuisance when trying to get your financial affairs in order. You've just returned from an overseas vacation only to find Chase Bank foreign transaction fees you can't seem to place. These fees may also apply when you purchase from a merchant who processes your [. . .]
Read More →Safeguarding valuables can be a worrisome affair. There are several factors to consider when thinking about the safety of your valuables and how much you're willing to pay for security. Many people rent safety deposit boxes from financial institutions to store valuables such as watches, art, and documents. [. . .]
Read More →A government-insured bank checking account is a secure, practically indispensable instrument for daily financial operations, such as transferring money, making payments, or purchasing groceries and petrol. However, monthly checking account fees , out-of-network ATM surcharges, and other penalties can [. . .]
Read More →These days, the cost of essential goods and services seems to be increasing every day. People are paying higher prices for everything from groceries to gas, and if you are struggling to make ends meet, you could really find yourself in a bind. Bank fees also seem to be rising higher and higher, forcing [. . .]
Read More →Bank fees are charges that a bank or financial institution imposes on its customers for various services. These fees can be for everything from using an ATM to maintaining a checking account. While some fees are mandatory, such as monthly service charges, others may be avoidable. An excessive amount [. . .]
Read More →Bank of America offers a variety of savings account options, each with its own unique benefits. With their online tools, you can track your progress and set goals. Plus, a mobile app makes it easy to transfer money from your checking account to your savings account. However, your savings account with [. . .]
Read More →If you've ever used your Bank of America credit card outside of the US, you've most likely come across international bank fees. These charges are usually tucked away in your terms and conditions, and since most of us barely read the T&Cs, we miss them easily. You may be wondering, what are these charges, [. . .]
Read More →According to a Money Rates study, Americans lose approximately $167.40 annually on bank fees like overdraft and Individual Retirement Account (IRA) fees. While this may seem a small amount to some people, it does make a difference for others. The last thing you want is to lose part of your hard-earned [. . .]
Read More →At the time of writing, M&T Bank has the highest overdraft fee , at $38.50. We’ll take a closer look at that in a moment. Did you know that every transaction you make resulting in a negative balance incurs an overdraft fee of approximately $35 in the largest banks across the United States? Overdraft [. . .]
Read More →Banks charge monthly maintenance fees to help them manage their day-to-day operations and offset the costs involved. TD Bank is no different, and it charges TD Bank maintenance fees on most of the accounts that the bank offers, ranging from savings to checking accounts. TD Bank has elaborate criteria [. . .]
Read More →In 2019, banks in the US received $11 billion in overdraft fees imposed on their customers' checking accounts. You can avoid paying these exploitative, hidden fees by appealing your US Bank overdraft fee . With a proper explanation and understanding of your rights, you might compel your bank to have [. . .]
Read More →Americans fork over $300 million in hidden fees to banks every year. That's a lot of money and not very helpful for helping us reach our financial goals. Are you wondering if you can get your Chase bank wire transfer fees and other bank fee refunded? Yes, you can with the help of DoNotPay. Thanks to [. . .]
Read More →Stopping payment of a check is commonly done to prevent payment for a good or service that didn't meet the account holder's expectations or if the payment was made in error. However, a stop payment fee is usually assessed by the bank when this transaction is processed. These fees can be pricey, ranging [. . .]
Read More →Since the introduction of ATMs, the cost of easily accessing money through them has increased constantly over the years. However, while the charges for every withdrawal transaction at the ATM continue to rise, consumers are now enjoying multiple opportunities to avoid the fees or get a reimbursement [. . .]
Read More →Banks serve an important purpose, allowing you to monitor and maintain your accounts and be secure in the knowledge that your money is protected. Banks are still in business for themselves, however, and when it comes to bank fees, you might feel as though your bank is protecting their interests rather [. . .]
Read More →A business bank account offers a number of features that are tailored to a business's needs. As such, they come with higher withdrawal limits and lower fees than personal bank accounts, making them a good choice for businesses with high transaction volumes. Many banks also offer special services for [. . .]
Read More →While factors like low availability of the deposit boxes, difficulty in accessing them, and the lack of FDIC insurance on the deposits may discourage Chase bank customers from renting a safety deposit box, they remain a sure way of storing essential items. Once you rent a safety deposit box, you'll be [. . .]
Read More →US Bank is the country's fifth-largest bank, offering multiple checking and savings accounts to its customers. While each of these accounts varies in features, they all incur a common monthly fee. As an account owner, you can incur a monthly maintenance fee for just having an account, and if this fee [. . .]
Read More →You just got home from a vacation or a business trip outside of the U.S, and when balancing your finances, you realize a deficit in your TD Bank credit card. Where has that amount gone, and can you get it back? Well, what has happened is that TD Bank has been charging you international transaction fees. [. . .]
Read More →The expense of sending money across banks is one of the reasons behind wire transfer fees. However, much like the monthly maintenance costs levied on savings accounts, wire transfer costs are a revenue source for banks. Any time you discover you have been charged an unexpected fee by your bank, it's [. . .]
Read More →Have you used your Ally debit card when traveling out of the country only to come home and find that you have received a 1% additional fee for each transaction? Frustrating, isn't it? While Ally doesn't hide its fees, you do have to dig around on the Help Center pages to find this information. So, can [. . .]
Read More →Bank fees can make you feel betrayed. After all, you have a lot of loyalty to your bank and probably stay in touch with them daily - even if you don't make visits to the bank location in person. Bank fees can add up fast, and you could easily find that you spend hundreds of dollars on ATM fees, wire [. . .]
Read More →Did you know that one American citizen spends at least $350 annually in overdraft fees? If you transact with Peoples Bank, you might know how deep these fees can dig into your pockets. You need to ask for a waiver or refund on your Peoples Bank overdraft fees when this happens . Handling this on your [. . .]
Read More →There are a lot of people who are paying First Hawaiian Bank ATM fees when they really don't need to be. This is incredibly frustrating to people who are just now finding out that they have been forking over money to a bank when they don't have to. It is not as though most of us have a lot of extra [. . .]
Read More →Axis bank offers a wide variety of savings accounts. The money in the accounts earns interest annually, bringing you extra money and helping you save money. However, a savings account in Axis bank also incurs some charges. To fight these extra charges, there is a set of requirements you need to meet, [. . .]
Read More →M&T membership can involve a number of fees depending on the nature of your membership type, but there are ways to get those waived or lowered to make it more affordable and less troublesome overall. The following are some of the most important things to know to fully understand M&T fees and have them [. . .]
Read More →It is painful to be hit by a Bank of America bounced check fee . People get particularly hurt by them because a bounced check means that they are already in the red on their account, and now they are being hit with a fee on top of that pain. It seems harsh, but banks are in business to make money. The [. . .]
Read More →There is something particularly devious about Bank of America student checking account fees that makes a lot of people upset and angry. It makes sense that people would want to do everything in their power to fight these fees in particular. After all, how can one of the world's largest banks expect [. . .]
Read More →The average American pays over $160 in bank fees every year. Given the monthly maintenance fees that banks tend to charge for checking and savings accounts, if you get a Bank of America mortgage late fee once per year, you'll be paying more than the average American in bank fees. You have a couple of [. . .]
Read More →Levying bank fees on customers is a common practice in the United States. While some bank fees are open, others are hidden, and you only learn about them when your balance drops. A recent Chime study posits banks make over 11.68 billion dollars annually from bank fees. Foreign transactions often attract [. . .]
Read More →Bank fees are at an all-time high, with most Americans paying $7 every month. Bank of Hawaii wire transfer fees range between $13.00 and $75.00 for each transaction, with additional costs for notification status. Wells Fargo checking account overdraft fees cost $35 per item, the PayPal transfer to bank [. . .]
Read More →Although putting money in your bank has a number of advantages, such as safety, earning interest, and ease of transferring money to people, it also has certain drawbacks, such as the large number of fees banks charge. Although CIT Bank's fees are lower than those of many other banks, it does still charge [. . .]
Read More →Whether you knew that you didn't have enough money to cover a transaction or if it was a mistake, your bank is going to hit you with a high overdraft fee. In some cases, the overdraft fee is more than the amount of the transaction. Overdraft fees can cause you to lose your financial footing and to continue [. . .]
Read More →Commerce Bank foreign checking accounts fees are high. Commerce Bank Foreign checking accounts can incur as much as $30 per month, which adds up to $360 per year. Even though these international account alternatives have all of the special perks you might want in a bank account, the monthly fee [. . .]
Read More →ICICI Bank is a multinational bank based in India, though it also has three U.S. locations. If you're an American living in India, it may be useful to have one of these bank accounts. Debit card fees from ICICI Bank can be confusing when you're dealing with international currencies! When dealing with [. . .]
Read More →Optum Bank is the most acceptable HSA account for investment management because of the tools and services offered by Betterment. Betterment is an online Robo-advisor and cash management firm. These services include auto-deposit, investment sweeping, and automated portfolio rebalancing. Optum also connects [. . .]
Read More →It happens, generally on weekends when all transactions are pending until business hours, the dreaded overdraft. Fee upon fee because the bank didn't deduct from your account in the order in which the transactions were processed. Now you are charged not one overdraft fee, but multiple! Regions Bank Overdraft [. . .]
Read More →In 2020, Americans paid $12.4 billion in overdraft fees. That's a lot of money to lose because of an honest mistake. Customers of Compass Bank are especially frustrated with trying to get their Compass Bank Overdraft fees waived . DoNotPay can help get Compass Banks overdraft fees waived and even help [. . .]
Read More →Being a victim of unfair bank charges can be quite frustrating for any account owner. What's even more challenging is reclaiming bank account fees successfully and winning your case. However, it is also worth mentioning that your chances of claiming account fees will be slim if the mistake was on your [. . .]
Read More →How to Waive TD Bank Currency Exchange Fees for Smoother Travels Though most of us would expect that currency exchange rates are as simple as looking up the present exchange rate and charging a small amount extra for operating expenses, the reality is quite different. In 2013, the average cost of an [. . .]
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