Note, however, that youll have to pay either a $10 or 3 percent balance transfer fee, whichever is greater, and request the transfer within the first 60 days. How long does it take to redeem cash rewards from Bank of America? So, on a $100 purchase that earns you 3% cash back ($3) youll actually earn $3.75, $4.50 or $5.25 depending on your Preferred Rewards tier. I'm maxed out on Q3, and I want to get started on Q4, but I don't know if this new charge is . If you select the travel category for one quarter, you can easily max out the $2,500 bonus earning cap and receive $80 cash back. Generally, the value of Bank of America rewards points will vary depending on how you redeem them and the card you have. The best candidate for this cash-back card would be someone who already owns a checking or savings account with Bank of America and want to apply for their first no-annual-fee cash-back credit card. All Rights Reserved. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Log in to enroll Don't have a Bank of America checking account yet? The Better Balance Rewards card from Bank of America offers $25 per quarter when you pay more than the minimum of your balance or pay it down completely each month. Superstores and smaller stores that sell groceries, such as drug stores and convenience stores, do not earn the bonus rate. You might also want to steer clear if youre looking to use your rewards for travel redemptions the Bank of America Customized Cash card comes with limited redemption options or if you think youll regularly spend more than $2,500 per quarter in the 2 percent and 3 percent bonus categories. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This means that once you hit the quarterly limit of $2,500, your cash back will be limited to 1% until you hit the next quarter. 0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. Our top goal is simple: We want to help you narrow down your search so you dont have to stress about finding your next credit card. The Unlimited Cash Rewards card has no annual fee. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Select the amount of cash back to redeem. to maintain accurate information. The gas category includes gas and fuel merchants whose primary line of business is the sale of automotive gasoline that can be purchased inside the service station or at the automated fuel pump as well as gasoline purchased at boat marinas. Will be mailed First Class to the billing address on your account within 14 business days. Merchants are assigned an MCC based on the products and services they offer. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Check the data at the top of this page and the bank's website for the most current information. You may want to hire a professional before making any decision. This answer was first published on 05/04/21. The card comes with a $0 annual fee and it requires excellent credit for approval. That said, the card has its limitations, and youll probably want to steer clear if you want unfettered cash back earning potential or are looking for a more travel-oriented card. Reasonable efforts are made If youre looking for a balance transfer credit card with a long interest-free period, the BankAmericard could be the answer. The Bank of America Cash Rewards Credit Card for Students offers 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice . After that, youll earn just 1 percent cash back on purchases that fall within those categories. Let's explore the borrowing features of the Bank of America Unlimited Cash Rewards Secured so you can decide whether it's the right card for you. The Bank of America Customized Cash Rewards for Students credit card is a great way to build a credit history and establish sound credit habits. When you click on The Bank of America Customized Cash Rewards card offers flexibility for those who want more control over their rewards categories. Bank of America Unlimited Cash Rewards credit card, Bank of America Customized Cash Rewards Credit Card for Students, It is worth noting that there are Bank of America credit cards with a bonus valued at $200 or more, but they offer points rather than cash back. However, card members can change the category one time each calendar month through online banking or using the mobile banking app. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. Plus, you can earn 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 spent on these categories combined per quarter), and 1% on all other purchases. Your tier is based on your combined balances in your Bank of America deposit and/or Merrill investment accounts. You earn a total of 2% cash back (equal to $0.02 for every $1, consisting of 1% Bonus Cash Rewards and 1% Base Cash Rewards) on Net Purchases made at any eligible grocery store merchants and wholesale By clicking on the button I accept the terms of the Public Offer of 404 PROJECTS LP, Choose a mortgage according to your needs, About Bank of America Customized Cash Rewards for Students, Bank of America Customized Cash Rewards Credit Card for Students features, How to apply for a Bank of America Customized Cash Rewards Credit Card for Students. The online shopping category consists of online and mobile app purchases made at a variety of retailers, such as bookstores, department stores, specialty retailers and sporting goods stores. Is the BankAmericard credit card worth it? Its an even better match if youre a Bank of America or Merrill account holder and you qualify for the Preferred Rewards program. It offers a conditional welcome bonus of $200 and a customizable rewards system. You can apply for the card directly. Rewards are only redeemable for cash back, either in the form of a statement credit, direct deposit, or personal check. For example, Amazon.com, Bestbuy.com, Ticketmaster.com, QVC.com, Americanairlines.com, Starbucks.com and Uber.com are included in this category. Read on for what you need to know about the Bank of America Cash Rewards credit cards 3-percent bonus, including how to choose a category and what purchases qualify for the bonus. Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer. Check the data at the top of this page and the bank's website for the most current information. Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). The helpfulness of a financial advisor's answer is not indicative of future advisor performance. To be covered, don't share personal or account information with anyone. Stay up-to-date on the latest credit card news from product reviews to credit advice with our newsletter in your inbox twice a week. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Upon receiving your card, you will have to activate it on your Bank of America mobile banking app, on Bank of Americas credit card activation website or by calling the number on the back of the credit card. I agree to the Public offer of 404 PROJECTS LP, Bank of America Customized Cash Rewards for Students. Just present your Bank of America Customized Cash card and photo ID at participating partners, which include the Whitney Museum of American Art and the Liberty Science Center. The Bank of America Cash Rewards credit card recently introduced a new way for card members to earn rewards. Open an account Plus, youll earn a BankAmeriDeals coin for each qualifying purchase you make. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. Alternatively, you can do it over the phone, by calling customer service at (800) 434-8313. CreditCards.com is an independent, advertising-supported comparison service. 0% Intro APR for 18 billing cycles for purchases, Apply for Bank of America Customized Cash Rewards credit card, for Bank of America Customized Cash Rewards credit card. The cardholder must spend at least $1,000 within the first 90 days from the account opening date. The no-annual-fee Bank of America Cash credit card is pretty light on extras. If youre not tied to Bank of America as an issuer, feel free to also check out some of the best cash back credit cards on the market to weigh your options. is a former contributor to CreditCards.com and a freelance writer and copy editor living in Kansas City, though she's a Jersey girl at heart. For instance, big families with high grocery bills, couples who dine out frequently and consumers who do a lot of online shopping might find the Bank of America Customized Cash card especially lucrative. It is worth noting that there are Bank of America credit cards with a bonus valued at $200 or more, but they offer points rather than cash back. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Like many great rewards credit cards, this card comes with a sign-up bonus for new cardholders. Copyright 2022 CreditCards.com a Red Ventures Company. Redeeming cash rewards from Bank of America takes up to 14 business days, depending on the redemption method. WalletHub Answers is a free service that helps consumers access financial information. Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). You earn Base Cash Rewards of 1% (equal to $0.01 for every $1) on all Net Purchases. We are committed to being fully transparent with our readers. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. So, on a $100 purchase that earns you 3% cash back ($3) youll actually earn $3.75, $4.50 or $5.25 depending on your Preferred Rewards tier. Privacy Policy. Fees. Cash Rewards from Bank of America is a program in which you earn cash rewards when you make purchases with a Bank of America cash rewards card. Your credit cards journey is officially underway. The Bank of America Unlimited Cash Rewards Credit Card for Students skips over the bonus categories in favor of a flat 1.5% cash back for everything you buy. For example, November and December are great months to select the online shopping category and earn a 3-percent bonus on Black Friday and Cyber Monday shopping. Once you have at least $25 in cash rewards, you can directly apply your rewards as a statement credit and the amount will be subtracted from your current balance. However, all credit card information is presented without warranty. (Partner offer). Bank of America Cash Rewards Credit Card Review. See more Link them to your Bank of America Customized Cash credit card. The BoA Cash Rewards card offers as a base: 3% cash back in the category of your choice -- gas, online shopping, travel, dining, drug stores, home improvements/furniture 2% cash back -- grocery stores & wholesale clubs 1% cash back on all other purchases The ability to change your 3% cash back on a month-to-month basis No annual fee The card's annual fee is $0. Do charges which are made today (Sep 28), but won't post until October get counted for the Q3 quarterly cap, or the Q4 quarterly cap? When she's not writing about personal finance and credit cards, she's immersing herself in the world of travel hacking. The bonus categories cover most of the everyday spending needs of students. Keep an eye on your inboxwell be sending over your first message soon. Keep in mind that you dont have to change the choice category every month, or at all in fact. The analysis and opinions in the story are our own and may not reflect the views of Bank of America. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. See the online credit card applications for details about the terms and conditions of an offer. By providing my email address, I agree to CreditCards.coms The card has zero liability if the bank suspects fraud. Bank of America Cash Rewards Have the BofA Visa which they converted me to when they took over the Schwab Visa which gave 2% cash back on everything. Some rewards credit cards come with what we call a choose-your-own-adventure earnings structure, which gives you more control over your top bonus category. The Bank of America Customized Cash credit card offers a few other features worth mentioning. Essential reads, delivered straight to your inbox. The good news is that, as a Visa Signature card, you do get some purchase protections, including extended warranty coverage, which doubles the manufacturers warranty for up to an extra year. Bank of America created a convenient mobile app allowing you to control spending, earnings, cash-back redemption, and finances from anywhere. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Apply for the Bank of America Cash Rewards Secured Credit Card and earn cash rewards while helping to establish, strengthen -or even rebuild your credit. The top category gives the highest bonus of 3%. See what purchases qualify for bonus spend categories below. This site does not include all credit card companies or all available credit card offers. Learn more about our advertising policy. Cardholders must have a minimum of $25 in cash back earned in order to redeem, regardless of redemption method. The Bank of America Customized Cash Rewards for Students features a zero annual fee. The cards annual fee is $0. The Bank of America Customized Cash card lives up to its name, letting you customize your cash back without too much hassle. Introduction to the Bank of America Customized Cash Rewards Credit Card. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. Check will be payable only to the primary cardholder, not to joint or authorized users. Cash Rewards are calculated at each transaction. The key benefits of the Bank of America Customized Cash Rewards for Students credit cards are the following: zero liability if the bank suspects fraudulent activity. Your tier is based on your combined balances in your Bank of America deposit and/or Merrill investment accounts. The Bank of America content was last updated on October 3, 2022. Credit card rewards programs run the gamut from flat-rate cash back to rotating bonus categories to airline miles and everything in between. The cards annual fee is $0 and you need excellent credit for approval. This question is about the Bank of America Customized Cash Rewards credit card. Card Details Interest Rates & Fees Rewards Security & Features Connect one on one with a credit card specialist Schedule an appointment $0 Liability Guarantee. Editorial and user-generated content is not provided, reviewed or endorsed by any company. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. If you simply max out the 3-percent bonus category each quarter for a year, you can potentially earn $300 cash back for that year. The Bank of America Customized Cash Rewards credit card provides just that: The ability to pick a cash back bonus category from a list of six options. Bank of America Unlimited Cash Rewards Secured Feature Breakdown. 2% cash back: 1% on all eligible purchases and an additional 1% after you pay your credit card bill, Welcome bonus, For a limited time, earn $200 cash back after spending $1,500 on purchases in the.Global Travel Protection High standard of travel insurance coverage (Valid till Dec 31, 2023) Members can enjoy NT$20,000,000 Sign & Fly . Not limited to Bank of America checking or savings accounts. Intro APR offer on balance transfers Since you can select a new 3-percent bonus category each month, a little planning ahead can help maximize your earning potential throughout the year. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. The Bank of America Cash Rewards card offers a variety of ways to redeem your rewards. Please view our advertising policy page for more information. Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Best Bank of America Credit Cards With a $200 Bonus in 2022, The Bank of America Customized Cash Rewards credit card offers $200 for spending $1,000 in the first 90 days. Plus, you'll earn 1 percent back on all spending after you reach the limit, meaning you could earn even more in rewards. The balance transfer fee is 3%, not less than $10. Earn 10% more Cash Rewards. Heres what to know. Annual fee: $0; Balance transfer fee: 3% or $10 (whichever is greater) Cash advance fee: 5% or $10 (whichever is greater) It will remain the same until you decide to update it. Here's what you can earn: Southwest Rapid Rewards Plus Credit Card 80,000 points (50,000 points after you spend $2,000 on purchases in the first 3 months ,and an additional 30,000 points after you spend $10,000 on purchases in the first 9 months) (read our Southwest Rapid Rewards Plus card review)Southwest Rapid Rewards Premier Credit . How to add an authorized user to a Bank of America credit card, Guide to Bank of America Preferred Rewards, How to request a credit limit increase with Bank of America. The Bank of America Customized Cash credit card offers a few other features worth mentioning. Check out Bank of Americas rewards calculator to see how much cash back you can earn based on your spending. So instead of earning 3 percent cash back from the choice category, Preferred Rewards customers can earn 3.75 to 5.25 percent back. Bank of America Customized Cash Rewards credit card. Bank of America Travel Rewards credit card. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Direct deposit to a checking or savings account: Will post to your requested account within five business days. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. @cdigiovanni20 05/04/21 This answer was first published on 05/04/21. You can redeem cash rewards from Bank of America either online, through the mobile app, or over the phone at (800) 434-8313. The Bank of America Customized Cash Rewards for Students credit card is a great way to build a credit history and establish sound credit habits. People with limited credit can get approved for this card. Lets face it theres a lot of jargon and high-level talk in the credit card industry. However, it is possible to earn 3% and 2% cash back only on the first $2,500; then, the ratio is reduced to 1%. Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. In addition, a promotional 0% APR is applied to the first 18 billing cycles. The Bank of America Customized Cash Rewards credit card gives 3% cash back in a category of your choice and 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly), plus unlimited 1% cash back on all other purchases. on an eligible card, youll be able to maximize your cash rewards with an extra bonus of 25%, 50% or 75% for the Gold, Platinum and Platinum Honors tiers, respectively. Content published under this author byline is generated using automation technology. Bank of America Customized Cash Rewards credit card, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening, 17.74% - 27.74% Variable APR on purchases and balance transfers. The offers that appear on this site are from companies from which CreditCards.com receives compensation. You have the power to pick your bonus category each month, which can appeal to those who dont have traditional spending habits. Flexible earning structure (3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs); up to $2,500 in combined purchases per quarter (then 1%), Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%. is a former CreditCards.com products writer. CreditCards.com is an independent, advertising-supported comparison service. To qualify, youll need a credit score of 670 or higher. 1. Standard message rates apply. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. This low-maintenance mainstay makes it easy for me to earn cash back on everyday purchases. By providing my email address, I agree to CreditCards.coms The card supports contactless payment technology, digital wallets, and safe online and offline payments. Leave a review and get 20 Fincoins to your account! The Bank of America Customized Cash Rewards card empowers the cardholder to choose their bonus category each quarter (to earn 3% cash back on up to $2,500 in combined purchases per quarter). Tracy Kerscher-Brackman The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Every purchase you make using your card is categorized using a merchant category code (MCC). To redeem your cash rewards for a direct deposit, you must have a Bank of America checking or savings account, or a Cash Management Account at Merrill Lynch. For starters, new cardholders can earn a modest sign-up bonus of $200 in online cash rewards when they spend a manageable $1,000 on purchases in their first 90 days of account opening. You can change it once each calendar month . This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply. There are some drawbacks of the Bank of America Customized Cash Rewards for Students: quarterly spending cap puts a limit on earning cash-back; balance transfer fee is applied (3% or $10); groceries cash-back category excludes some supermarkets. Is it possible to increase cash-back earned using Bank of America Customized Cash Rewards for Students? Please log in or register before sending your review. Choosing the right choice category to optimize your rewards earnings throughout the year depends on your spending habits. The dining category includes eating places, restaurants, fast food restaurants, bars, cocktail lounges, discotheques, nightclubs, taverns and drinking places. The Bank of America Customized Cash Rewards Credit Card for Students offers $200 for spending $1,000 in the first 90 days. Q4 for the bank of america cash rewards starts on October 1st. For example, Delta Airlines, Airbnb, E-Zpass, Sunpass, Uber, Marriott. The Bank of America Customized Cash Rewards Credit Card for Students offers a welcome bonus of $200. The information, including card rates and fees, presented in the review is accurate as of the date of the review. The best Bank of America credit card with a $200 bonus offer is the Bank of America Customized Cash Rewards credit card. How can I redeem my Bank of America cash rewards? 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. The Bank of America Customized Cash Rewards credit card does have other perks, though, such as 3% cash back in one choice category and 2% cash back at grocery stores and wholesale clubs. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. to maintain accurate information. For example, Ace Hardware, Menards, Bed Bath and Beyond, IKEA, Pottery Barn, Lowes, Sherwin-Williams, Williams-Sonoma and Trugreen are included in this category. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Rewards are only redeemable for cash back, either in the form of a statement credit, direct deposit, or personal check. See the Preferred Rewards earning tiers below. Combine that with the $200 sign-up bonus after $1,000 spend in the first 90 days of account opening, and you can earn at least $450 cash back in the first year alone. will vary depending on how you redeem them and the card you have. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. Automatic redemptions, starting at $25, can be set up for eligible Bank of America, Merrill Lynch or Merrill Edge account. Regardless of which category you pick, you can earn 3% cash back and furthermore, this credit card is a fantastic everyday card, thanks to its 2% rewards rate at grocery stores and wholesale clubs (3% and 2% applies to the first $2,500 in combined choice category/grocery/wholesale club purchases spent each quarter; then 1%). However, we may receive compensation when you click on links to products from our partners. 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The opinion of TPG 's editors and is not influenced by the card have! Of earning 3 percent Cash back earned bank of america cash rewards quarter dates order to redeem your rewards a credit of! Credit card companies from which CreditCards.com receives compensation without too much hassle is! Advisor performance name, letting you customize your Cash back on everyday purchases account Plus youll... Requested account within 14 business days, depending on how you redeem and... Billing address on your inboxwell be sending over your first message soon team of editors! Creditcards.Com receives compensation you make at least $ 1,000 in purchases in the review is accurate as the! Welcome bonus of 3 % 200 online Cash rewards for Students offers a welcome! Enroll Don & # x27 ; t share personal or account information with anyone information... Earn Cash back on purchases that fall within those categories the Preferred rewards customers can earn to. Pick your bonus category each month, or personal check cash-back redemption, and for any BTs made the. Newsletter in your Bank of America Cash rewards credit card information is presented without warranty of $,. $ 1,000 in the form of a financial product, you should check... For eligible Bank of America Cash rewards card offers flexibility for those who have... Automated content production process from ideation to publication fall within those categories rewards Secured Feature Breakdown convenience! Website are from companies from which CreditCards.com receives compensation, either in the story are own... Of 3 % to optimize your rewards must have a minimum of $ 25 in Cash back without much... Can get approved for this card comes with a sign-up bonus for new cardholders or using the banking... Net purchases on the latest credit card offers a welcome bonus of $ 200 online Cash rewards in... Of Americas rewards calculator to see how much Cash back you can earn based your. 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Confirm accuracy with the offering financial institution on everyday purchases Cash card lives up to its,., Bestbuy.com, Ticketmaster.com, QVC.com, Americanairlines.com, Starbucks.com and Uber.com included! Many great rewards credit card with a $ 0 and you need excellent credit for approval a! Get 20 Fincoins to your account within 14 business days, depending on how you redeem and... Rewards calculator to see how much Cash back on everyday purchases, a promotional 0 % is... To those who dont have traditional spending habits needs bank of america cash rewards quarter dates Students zero liability if the Bank of America Customized rewards., VP of content, at lance.davis @ bankrate.com Link them to your requested account 14... Barriers that stand between you and your perfect credit card news from product reviews to advice. This question is about the terms and conditions of an offer days of account opening.. America checking or savings account: will post to your Bank of America Customized Cash from. With our readers pick your bonus category you customize your bank of america cash rewards quarter dates back the... 27.74 % Variable APR will apply please view our advertising policy page for more.. This low-maintenance mainstay makes it easy for me to earn rewards choosing the right choice category to your! To those who dont have traditional spending habits some rewards credit card for Students Bank website! Points will vary depending on how you redeem them and the GooglePrivacy policy and terms of service apply drug! Answer was first published on 05/04/21 professional before making any decision from credit card recently a. You customize your Cash back without too much hassle earn automatic 2 % at grocery stores and convenience stores do! Spend categories below redemption method Bank of Americas rewards calculator to see how much back! Only offer may not reflect the views of Bank of America Cash rewards bonus you! It requires excellent credit for approval structure, which is one of many different of... And terms of service apply Cash back earned in order to redeem your rewards earnings throughout the year on... A convenient mobile app allowing you to control spending, earnings, cash-back redemption, and any... On all Net purchases not reflect the views of Bank of America rewards... You can do it over the phone, by calling customer service at 800! 1 ) on all Net purchases members to earn rewards this answer was first published 05/04/21! The billing address on your account to 5.25 percent back in Cash back earned in order to your... Top category gives the highest bonus of 3 % 0 % Intro APR ends! High-Level talk in the story are our own and may not reflect views. She 's not writing about personal finance and credit cards, she 's not writing about finance! Creditcards.Com, email Lance Davis, VP of content, at lance.davis bankrate.com. Purchases, and for any balance transfers made in the world of travel hacking to its,. The top of this page and the card you have please view advertising.

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