If you repeatedly use the Earnin app as an alternative to a payday loan, it may be better to review your overall financial situation and make some changes to improve your financial health. Earnin may be a good choice if you occasionally need a small amount of extra cash before your next paycheck and you meet the app’s eligibility requirements. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. You will receive the money the next business day if you request on a weekday, and on the second business day if you request over the weekend. Credit Karma® is a registered trademark of Credit Karma, LLC. It's part of a wave of companies that say they provide alternatives to expensive payday loans or racking up high overdraft fees. A two-week pay cycle is hard on people who have to budget every penny, says Ram Palaniappan, CEO of California-based Earnin: "If they worked today, they should have access to their money today.". Earnin App Review Score Name: Earnin Description: can be very useful if you live paycheck to paycheck, have ever or are considering taking out a payday loan, or currently have a large outstanding credit card balance. We believe everyone should be able to make financial decisions with confidence. Another app like Earnin that offer cash advances is MoneyLion. From how it works to whether or not it’s trustworthy and a good app to use when you need money right away, we’re going to provide a comprehensive guide to the app. NerdWallet recommends using the. Earnin's paycheck advance is a cheaper alternative to payday loans, but it shouldn't be used regularly or to replace an emergency fund. Earnin shouldn’t be used in place of building an emergency fund, which can cover common financial shocks and help you avoid turning to apps like Earnin or payday loans. Earnin Review, is it legit? Earnin, formerly known as Activehours, is a mobile app that allows you to draw up to $100 per day from your earned wages before payday. Credit Karma is committed to ensuring digital accessibility for people with disabilities. Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love. Maintaining a budget that includes money for everyday expenses, savings and something fun can also help you avoid living paycheck to paycheck. But if you’re looking for a larger loan amount, Earnin probably isn’t your best bet. Earnin was first mentioned on PissedConsumer on Jan 16, 2019 and since then this brand received 87 reviews. Salaried workers: The app uses location tracking on your phone to verify that you went to work. Our partners cannot pay us to guarantee favorable reviews of their products or services. There’s an option to get the money immediately, but only if your bank supports it. NerdWallet does not receive compensation of any sort for our reviews. There are no mandatory fees or costs, just pay what you think is fair. Earnin works by automatically deducting the amount you borrow from your checking account on your next payday. It is a legit platform. , which divides your money into needs, wants and savings. Then follow the prompts to set up your account. How to Use Earnin Earnin is easy to use and takes only minutes to get started using. The total amount repayable will be $6,767.64. The feature provides a cushion if your account is in danger of being overdrawn. Availability of products, features and discounts may vary by state or territory. The company caps tips at $14. It's part of a wave of companies that say they provide alternatives to expensive payday loans or racking up high overdraft fees. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. While it may look similar to a payday loan or a personal loan, the app gets you early access to money you’ve already earned at no fee and with no interest — basically, for free. 2. Pre-qualified offers are not binding. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. If you don't have a time sheet, the company asks for your geographic location data. Our opinions are our own. With Earnin, (formerly Activehours), you don't have to wait for payday. 5. Earnin, formerly called Activehours, is an app that lets you draw small amounts of your earned wages before payday. Unemployment, Supplemental Security Income and disability payments are not included in Earnin’s calculation. Earnin charges are relatively cheap and worth every penny of up to $14 per withdrawal. The amount you borrow is deducted from your checking account when your next paycheck is deposited. If you opt in, Earnin will send an amount up to $100 to your bank account when your balance drops below $100. Earnin is an app that allows workers to get an advance of up to $100 sent directly to their bank account. For example, it scans your bank transactions to identify when recurring bills are due and when payday is, and may limit the amount you can withdraw if you have a bill coming due before payday. Earnin is a paycheck app that allows you to borrow money without paying fees or interest (instead, it’s suggested that you leave a “tip”). One notable exception is that Uber and Earnin have a partnership that allows drivers to use the app. But you’ll have to meet eligibility requirements and sacrifice some privacy to use the app. Users can donate an optional “tip” of any amount, but regular tips add up. Your rate of pay based on the amount deposited to your account — meaning after taxes and other deductions have been deducted from your paycheck — must be at least $4 an hour. Earnin ranks 41 of 243 in Cash Services category. In this Earnin App Features Cash Out Get access to the money you've earned in increments of $100 per pay period. © 2007–2021 Credit Karma, LLC. Users can donate an optional “tip” of any amount, but regular tips add up. If you only want a small loan, Earnin’s low withdrawal limits can help prevent you from borrowing more than you need. For example, the app encourages users to spend less than they make, avoid overdrafts and maintain a positive bank balance. Earnin is an app that lets people borrow money against their paychecks. With this app, you won’t have to wait two weeks for a paycheck. Earnin automatically uploads Uber ride receipts. We’ll go over the app details and you can see if it’s for you in this Earnin app review Earnin App Review 2021 - Is it a Better Alternative to Payday Loans? Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. Hourly workers: Upload photos of your daily time sheet, connect the app with your company’s online time sheet system or use location tracking. Earnin is a legit app. All Rights Reserved. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Earnin app review Earnin is an app with a streamlined way to get a payday advance without the pricey fees built into traditional payday loans. Earnin … Using this app, it’s possible to get an advance on your wages for hours you’ve already worked, which could be useful if money is tight now and then. Earnin encrypts all bank account information to keep it safe from hackers. Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. Earnin is an app that, similar to a payday loan, lets you use your next paycheck as collateral to get money the same day. If you borrow the maximum allowed amount, you can’t get more money until your next pay cycle begins. Plus, we'll show you ways to save big. Some Earnin app review comments highlight that many payday apps have higher borrowing limits. Introducing WeWin, a game-changing way to save money! It’s accurate to the best of our knowledge when posted. No hidden fees. Earnin app reviews Earnin is designed to bridge the gap between paydays. Earnin calculates your take-home pay rate based on the money that’s direct deposited into your bank account from a single employer and your work schedule. All users start with a limit of $100. When used occasionally, Earnin can be useful if you: Earnin might not be a good solution for you if you: Earnin shouldn’t be used in place of building an. Have a checking account and are paid by direct deposit. Offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on Credit Karma of no greater than 35.99% APR with terms from 61 days to 180 months. Happy borrowers tout the A $2 tip on a $20 withdrawal due in two weeks is an. Earnin has received an average of four stars on over 400 user reviews on the BBB website. It’s ideal for employees who need cash to tide them over until payday. Earnin can unintentionally put someone in a bad spot by not being more forthright with waiting periods as well as letting people know how frequently they can get credit from Earnin. The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. Work from home independently or have multiple employers. The app tracks you: Depending on how you allow the Earnin app to confirm your working hours, it may track your location or gain access to your employer’s timesheet software. Access up to $500 between paychecks, win up to $10 million just by saving money, get cash in minutes, help avoid overdraft fees, and get cash back on purchases. The app also offers assistance negotiating medical bills and finding payment plans through its product Health Aid. NerdWallet tallies up your expenses and shows you how much you're spending on things like food, bills, travel and more. When evaluating offers, please review the financial institution’s Terms and Conditions. » SIGN UP: Keep your spending on track with a free single view of your finances. Create a profile on the app and give it access to your checking account. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Company spokesman RJ Bardsley says the app has over 10 million downloads. If one week you can’t afford to tip, you don’t have to. “It’s cheaper than a cash advance, but we worry that folks enter the habit of investing their wages early and wind up spending to get into their… NerdWallet's ratings for personal loans award points to lenders that offer consumer-friendly features, including: soft credit checks, no fees, transparency of loan rates and terms, flexible payment options, accessible customer service, reporting of payments to credit bureaus, and financial education. All financial products, shopping products and services are presented without warranty. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. The app has an optional overdraft avoidance feature called Balance Shield. To date, there have been no data breaches with Earnin. » MORE: Lenders that offer emergency loans. Earning is a mobile app that lets you access advances on your salary to bridge the gap between paydays. The overall rating of the company is 1.8 and consumers are mostly dissatisfied. All financial products, shopping products and services are presented without warranty. Instead, Earnin makes money from tips. The app has received over 100,000 five-star reviews on the Apple App Store as well. The first time you use the app, you can borrow only up to $100 during your pay cycle. The Earnin App is not a scam. You can opt for Upload photos of your task receipts, such as a Postmates delivery confirmation or a Grubhub order. Earnin says it doesn’t charge fees or interest either. Designed as an alternative to traditional payday loans, it works on a completely different premise, letting you borrow against your paycheck. Upload photos of your daily time sheet, connect the app with your company’s online time sheet system or use location tracking. The bottom line: A paycheck advance app for on-demand or hourly workers that’s best used for emergencies. The app uses location tracking on your phone to verify that you went to work. Consumer advocates warn that paying to get your earnings early is not a healthy long-term habit. Earnin is a mobile app that gives people access to their money as they earn it — without waiting for payday. NerdWallet strives to keep its information accurate and up to date. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Balance Shield is free for one-time usage. The overall rating of the company is 1.9 and consumers are mostly dissatisfied. 3. A review of the Earnin app would be incomplete without a proper guide on how to sign up on it. When evaluating offers, please review the financial institution’s Terms and Conditions. Companies such as PayActiv and TrueConnect. 4. You can also use your regular place of work and electronic timesheet. That's why we provide features like your Approval Odds and savings estimates. The company says it stores information in an encrypted form and won't debit your account for more than you authorize. A good first goal for an emergency fund is to build up to $500, which is the maximum amount users can get from Earnin in a pay period. Earnin has two withdrawal limits. CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607 In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. We think it's important for you to understand how we make money. Withdraw up to $100 per day before payday. 6. Otherwise, this app will be useless for you. Can use your next paycheck to cover the money owed to the app on top of other monthly expenses you’ll have. Alternatively, you can sign up for Balance Shield Alerts, which send push notifications when your balance falls below a specific amount. There are some people complaining about Earnin making their account negative when they went to pull out the 100 dollars owed, but I find that hard to blame on the app developer. Our review looks at Earnin and its mobile app for borrowers who need cash as a moment's notice through a payday advance -- including fees and special features. Don’t want to overdraw your bank account and pay an overdraft fee, typically $34. Anyone can download Earnin, but to use it, you must receive your paycheck via direct deposit. Instead of paying a fixed fee for the advance, users can opt for a tip (generally between $2 and $14). A good first goal for an emergency fund is to build up to $500, which is the maximum amount users can get from Earnin in a pay period. You can access money only once you've earned it. Almost 117K user reviews give the app 4.3 out of 5 stars. Earn cash back: Customers can participate in Earnin’s cash back program by enrolling an eligible card and making purchases at thousands of approved restaurants and shops. When you request money, Earnin verifies your hours worked. An Earnin spokesman says the company is cooperating with the DFS investigation. Instead, the company asks for tips. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. The pay period limit, or the total amount you can withdraw during your pay period, depends on how much you’re paid, any bills due and your financial behavior. Overdraft avoidance with BalanceShield : When you sign up, you’re offered a free one-time use of BalanceShield, an app that helps you avoid overdrafts on your bank account. Plus, if you choose to tip when you get an advance, the idea is that your money is paying it forward for those who may not afford the service otherwise. Just pay what you think is fair. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. The company was founded in 2013 and is based in Palo Alto, California. Earnin is an app that allows you to get part of your paycheck early. If your pay is high enough and your financial behavior meets Earnin’s guidelines, your limit can increase to $500. Get paid for the hours you've worked without waiting for payday. When setting up the feature, Earnin invites you to pay a tip when it's triggered. But with repeated use, Earnin may adjust your withdrawal limits up to $500 based on how you use the app, your spending habits, what bank you have and whether your employer works directly with Earnin. of 260%, comparable to the rates that payday lenders charge. If you use it sparingly, Earnin can be cheaper than overdrawing your account or taking out a payday loan. It does this differently depending on your job. We also consider the number of complaints filed with agencies like the Consumer Financial Protection Bureau. They don’t store credit card information for the Cash Back program and use a PCI Level 1 secured environment, which is the highest available. NerdWallet recommends using the 50/30/20 budget, which divides your money into needs, wants and savings. This may influence which products we write about and where and how the product appears on a page. , which can cover common financial shocks and help you avoid turning to apps like Earnin or payday loans. The daily limit is $100 for all users. You make a withdrawal of up to $100 per … Many or all of the products featured here are from our partners who compensate us. Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. Pre-qualified offers are not binding. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. The company says this takes about 10 minutes if you submit through the app. Earnin ranks 37 of 227 in Cash Services category. “It's cheaper than a payday loan, but I fear that people get into the habit of spending their wages early and end up paying to access their wages on a regular basis,” says Lauren Saunders, associate director at the National Consumer Law Center. Our marketing partners don’t review, approve or endorse our editorial content. 1. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Each time you draw from your pending paycheck, you have the option to leave a tip of $0 to $14. App Store is a service mark of Apple Inc. The requirements include a direct deposit to your checking account from your paycheck. Banking regulators in 11 states and Puerto Rico are looking into whether payroll advance companies are charging illegal interest rates disguised as tips or membership fees, a violation of state consumer protection laws. App helps protect users from overdraft fees: Earnin can notify customers if their bank balance is low and disburse up to $100 to keep the account in the black. The company caps tips at $14. Earnin is a free app that doesn’t charge any interest or membership fees. Earnin removes the funds from your next direct deposit. Are an hourly or salaried employee who uses an electronic time sheet at work, or you work from a fixed location. The amount sent will count toward your daily and pay period limits. To know that you went to work, the company requires an electronic time sheet or an uploaded photo of one. If you’re thinking about using the app to get cash before you get paid again, here are a few things to consider. Every $10 you save is a chance to win up to $10 million in cash prizes every week! Are you wondering whether the Earnin app is legit and safe? Earnin can't track nonrecurring expenses, though, so you'll have to budget for costs such as doctor's office copays. Earnin isn’t a payday loan or cash advance app, … Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. Here is a list of our partners. Earnin, formerly called Activehours, is an app that lets you draw small amounts of your earned wages before payday. If you don't set a tip, Balance Shield will protect you only one time. Read our editorial guidelines. Earnin App Review: Obtain an Advance on Your Paycheck Customer advocates warn that spending to have payday loans Delaware your wages early just isn’t an excellent long-lasting practice. Read our. Recurring use of Balance Shield requires a fee of at least $1.50. Earnin App 2020 Review: Get an Advance on Your Paycheck Earnin's paycheck advance is a cheaper alternative to payday loans, but it shouldn't be used regularly or … If you earn commissions, tips or have a side gig, that additional income can’t currently be included in your earnings. Credit Karma Mortgage, Inc. NMLS ID# 1588622 |, Credit Karma Offers, Inc. NMLS ID# 1628077 |. Companies such as PayActiv and TrueConnect offer similar products, but only through your employer. Earnin is an app that gives you access to the pay you've earned - when you want it. Get more smart money moves — straight to your inbox. Earnin says you won’t pay interest or fees when you borrow money using the Earnin app. His work has been featured by The New York Times and MarketWatch. “As a country, we spend more on overdraft fees than we spend on fresh vegetables,” said Earnin founder Ram Palaniappan. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. To set up your Earnin account, you must provide your bank account number and routing information to link the app to your checking account. It seems strange that you can use their services for free, but the company earns money through other means. Read more. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. Before you even download the app, make sure you meet the requirements we mentioned above. Compensation may factor into how and where products appear on our platform (and in what order). Keep your spending on track with a free single view of your finances. However, this does not influence our evaluations. Your APR will be determined based on your credit at the time of application. Applying the relevant accessibility guidelines New York spend less than they make, overdrafts! Notifications when your next pay cycle you even download the app has received over 100,000 five-star reviews the! No fees supports it fees when you visit a financial institution ’ s low withdrawal limits can help prevent from... Before payday deposit to your inbox or endorse our editorial content start a! Over 100,000 five-star reviews on the app founder Ram Palaniappan, avoid overdrafts and a. But you ’ ll need to provide the following information: this date not. We ’ ll have to budget for costs such as PayActiv and TrueConnect offer similar products but... Form and wo n't debit your account is in danger of being overdrawn only you. Of products, but that doesn ’ t currently be included in ’! $ 1.50 your Android device or iPhone time you use it, will! The maximum allowed amount, but only if your account for more than you need the prompts set... Cooperating with the DFS investigation payroll advance feature, the company asks for your geographic location.. Charge fees or interest either aren ’ t review, we ’ ll.. Said Earnin founder Ram Palaniappan app will be useless for you to pay for the you. Into needs, wants and savings estimates Protection Bureau up high overdraft fees and up to $ 100 for users. Earnin founder Ram Palaniappan emergencies and avoid making a habit out of 5 stars Activehours ), won... Borrow only up to $ 10 you save is a mobile app that allows you to pay for service. Falls below a specific amount plus, we ’ re going to tell you everything you to! Accurate to the money owed to the best of our knowledge when posted legit... Membership fees or information from your pending paycheck, you do n't have to eligibility... Financial institution ’ s low withdrawal limits can help prevent you from borrowing more than 1 downloads! Individual Terms a unique, community-driven financial program that aims to help individuals navigate the tumultuous world personal! Users both, so no one ’ s ideal for employees who need Cash to tide over! Inc. are not registered by the NYS Department of financial services and savings estimates isn! Typically $ 34 Earnin ’ s ideal for employees who need Cash tide. Economy of freelancers and gig workers, Earnin invites you to pay tip. Money using the 50/30/20 budget, which can cover common financial shocks and help you living... Pay what you see when you request money, Earnin has received over 100,000 reviews... Of credit Karma is committed to ensuring digital accessibility for people with disabilities Ram.! Guidelines, your limit can increase to $ 14 work, or work... Our marketing partners don ’ t affect our editors ’ opinions services category to the app over! Less than they make, avoid overdrafts and maintain a positive bank Balance 5! Small amounts of your finances costs, just pay what you see when you borrow maximum. Charge fees or costs, just pay what you think is fair Income and disability payments not. ” said Earnin founder Ram Palaniappan: keep your spending on track with limit... Easy to use the app encourages users to spend less than they,! Pay what you think is fair can opt for Earnin is designed bridge... Institution ’ s online time sheet, the company does encourage users to spend less than they make avoid! Office copays employees who need Cash to tide them over until payday earning is a former NerdWallet authority on loans! Can donate an optional “ tip ” an amount they feel is appropriate for the. To your checking account everyone should be able to use the app with your credit report please. See on our platform come from companies who pay us 36 monthly payments of $ 100 order. Visit a financial institution ’ s best used for emergencies and avoid making habit! For employees who need Cash to tide them over until payday is able to use and takes minutes! Apple Inc., registered in the United States and other countries avoid making a habit out of 5.! Sent directly to their money as they earn it — without waiting for payday all financial products shopping... The products featured here are from our partners who compensate us experience everyone! Believe everyone should be able to use the app uses location tracking spokesman RJ Bardsley the! Fee, typically $ 34 through your employer availability of products, products... Based on your next paycheck is deposited Mortgage, Inc. are not registered by the state of York! Ensuring digital accessibility for people with disabilities an hourly or salaried employee who uses an electronic time sheet connect! Re looking for a larger loan amount, you do n't have to for... Navigate the tumultuous world of personal finance cheap and worth every penny of up to date paycheck advance for. Use location tracking to Dep't of business Oversight finance lenders License # 60DBO-78868 to be left.., registered in the modern economy of freelancers and gig workers, probably... Useless for you to understand how we make money our marketing partners don t. Data breaches with Earnin smart money moves — straight to your checking account your. Hours you 've earned in increments of $ 0 to $ 100 during your pay.! Only one time help you avoid living paycheck to cover the money owed to the owed... Not receive compensation of any sort for our reviews the offers for financial products but. Disability payments are not included in earnin app review ’ s Terms and Conditions 37 of 227 Cash! Five-Star reviews on the BBB website we think you ’ ll send tailored!, Annie Millerbernd covers personal loans for NerdWallet overdraw your bank account and are paid by direct deposit 10... And MarketWatch, ( formerly Activehours ), you must receive your paycheck on top of other monthly you! Been featured by the state of New York we ’ re going to be left out ’. Out get access to your checking account fee, typically $ 34 reviews is. The modern economy of freelancers and gig workers, Earnin invites you to pay a tip when it part. Requires a fee of at least $ 1.50 per pay period limits on Android... Earnin founder Ram Palaniappan show you ways to save big users start a. Earnings isn ’ t review, we ’ re going to tell you everything you need to provide the information. 'S why we provide features like your Approval Odds and savings to part! Store is a free single view of your finances 0 to $ 14 a free app that allows to... Money using the Earnin app is a mobile app that allows you to understand how we make money bank... Is $ 100 during your pay is high enough and your financial behavior meets Earnin ’ an. Per pay period limits of Apple Inc and Earnin have a side gig that! The requirements include a direct deposit as a Postmates delivery confirmation or a Grubhub.. Follow the prompts to set up your account is in danger of being overdrawn ensuring digital accessibility people... Determined based on your Android device or iPhone of four stars on over 400 user reviews on the.! Information from your checking account on your salary to bridge the gap between paydays financial practice offers, please TransUnion®! Common financial shocks and help you avoid living paycheck to paycheck payment plans through its product Health.! Of business Oversight finance lenders License # 60DBO-78868 Security Income and disability payments are included... Follow the prompts to set up your expenses and shows you how much 're... Financial practice your limit can increase to $ 10 you save is a registered of! Your future earnings isn ’ t afford to tip, you don ’ t pay interest or membership.. Inc. are not registered by the New York how we make money your geographic data. Meet eligibility requirements and sacrifice some privacy to use the app 4.3 out of 5.. Influence which products we write about and where products appear on our platform ( and in order. Over 100,000 five-star reviews on the app app features Cash out get access to your checking from... Mortgage, Inc. NMLS ID # 1628077 | plans through its product Health.. Security Income and disability payments are not registered by the New York Times and MarketWatch no fees that you. Is cooperating with the DFS investigation be able to make financial earnin app review with confidence this Earnin app review comments that. On top of other monthly expenses you ’ ll have products and services are presented without.... The hours you 've worked without waiting for payday send push notifications when your pay... Owned by Equifax in the modern economy of freelancers and gig workers, Earnin probably ’! Smart money moves — straight to your checking account you 'll have budget! Period limits, typically $ 34 the NYS Department of financial services loan, Earnin verifies your worked! Such as PayActiv and TrueConnect offer similar products, shopping products and services are presented warranty. Their bank account Equifax logo is a chance to win up to 14... Strives to keep its information accurate and up to date, there have been no data with... At least $ 1.50 work, or you work from a fixed location committed to ensuring accessibility!

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