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					                        EXERCISES
                        Exercise 2.1.1


Answer the following:


       a. What is the age condition for opening of an
          account by the minor himself?


       b. Which are the additional information to be
          furnished in the application for opening of account,
          when an account opened by a guardian on behalf
          of a minor?


       c. In which situation, obtaining of signature of witness
          is necessary in the application for opening of
          account?


       d. Indicate the schemes in which joint account with
          two /three depositors can be opened


       e. For opening of SB account at BO, which receipt is
          issued?
       f. State the formalities for opening of Sanchaika
          account.
      g. Write five lines on NREGS Saving account.
      h. Can a blind person open Savings account?
      i. What do you understand by the limit of Rs.
         100000/- in savings account?
      j. Write five lines on Pension account.




                   Exercise 2.1.2
(A) NON CHEQUE ACCOUNT


   Please prepare SB-3 and SB 103 from the following
    particulars:
   Name of the Post office: Model SO
   Name and address of the depositor: Praveen, , 12 A
    Sharda Nagar, Saharanpur
   Type of account: Single
   Intoducer : Mohan Lal, Chandan Medicos, Govind
    Nagar,Saharanpur
   Name and address of the nominee: Deepa w/o
    depositor
  Witness for nomination: Mohan Lal, Chandan Medicos,
   Govind Nagar,Saharanpur
  Amount of deposit: Rs.5000
  Date of opening: Today
(B) CHEQUE ACCOUNT

  Please prepare SB-3 and SB 103 from the following
   particulars:
  Name of the Post office: Model SO
  Name and address of the depositor: Shyam lal, , 25B
   Sharda Nagar, Saharanpur
  Type of account: Single
  Intoducer : Govind Ram, 37, Chawri bazaar, Saharanpur
  Name and address of the nominee: Beena w/o depositor
  Witness for nomination- Govind Ram, 37, Chawri bazaar,
   Saharanpur
  Amount of deposit: Rs.3000/-
  Date of opening: Today




                     EXERCISE 2.1.3
(A) NON CHEQUE ACCOUNT

  Open the savings account for the details given in the
   above exercise
  Specimen signature also to be obtained and pasted in
   the S.S Book
  Make necessary entries in various records such as stock
   register, pass Book, ledger, SB-3, SB-103, long book by
   playing the role of SBPA and SPM.
  Account Number to be allotted: 543557
  Prepare List of transaction (LOT)


(B) CHEQUE ACCOUNT

  Open the savings account for the details given in the
   above exercise
  Specimen signature also to be obtained and pasted in
   the S.S Book
  Make necessary entries in various records such as stock
   register, pass Book, ledger, SB-3, SB-103, long book by
   playing the role of SBPA and SPM. Issue cheque book &
   note the number.
  Account Number to be allotted: 543558
                   Exercise 2.1.4(Sanchay Post)
Exercise-2.1



Introduction
In this module, you will understand how the counter transactions are
performed in the Sanchay Post software. Access the software using Start
– Programs – Sanchay Post – Online transactions and in the login dialog
box enter the following user credentials to authenticate yourself. Please
note that there are two levels of authentication – one the user level and
the other for the person who is logging in. The instructor will intimate
you the data which can be noted down below



                                     Account details for
             User name
                                     operator

             User name

             User Password

             Operator name

             Operator password


Environment
Please login as operator and Super to understand the Layout of the user
interface with the help of the instructor.
Opening of accounts



(A) NON CHEQUE ACCOUNT


   Please prepare SB-3 and SB 103 from the following
     particulars:
   Name of the Post office: Model SO
   Name and address of the depositor: Praveen, , 12 A
     Sharda Nagar, Saharanpur
   Type of account: Single
   Intoducer : Mohan Lal, Chandan Medicos, Govind
     Nagar,Saharanpur
   Name and address of the nominee: Deepa w/o
     depositor
   Witness for nomination: Mohan Lal, Chandan Medicos,
     Govind Nagar,Saharanpur
   Amount of deposit: Rs.5000
   Date of opening: Today

Before sending the form to the supervisor, note down the account
number assigned, common form and specific form number of the
transaction and pass the same as Supervisor.
View the following

          Ledger card of the account
          Long book
          Stock register of passbooks
          List of transactions of the day
          Report of accounts opened




(B)   Open 1 Savings cheque account with following details:-

(B) CHEQUE ACCOUNT

   Please prepare SB-3 and SB 103 from the following
      particulars:
   Name of the Post office: Model SO
   Name and address of the depositor: Shyam lal, , 25B
      Sharda Nagar, Saharanpur
   Type of account: Single
   Intoducer : Govind Ram, 37, Chawri bazaar, Saharanpur
   Name and address of the nominee: Beena w/o depositor
   Witness for nomination- Govind Ram, 37, Chawri bazaar,
      Saharanpur
   Amount of deposit: Rs.3000/-
   Date of opening: Today
Before sending the form to the supervisor, note down the account
number assigned, common form and specific form number of the
transaction and pass the same as Supervisor.

View the following

         Ledger card of the account
         Long book
         Stock register of passbooks
         Stock register of cheque books
         List of transactions of the day
         Report of accounts opened
(C) Open Five other accounts with details of your choice to have some
data basis for exercising only miscellaneous work items.

                            EXERCISE 2.1.5
Answer the following:


          a. What are the modes of subsequent deposits?
          b. Which documents are presented by the depositor
             in case of deposit by cheque?
          c. Write the procedure- counter operations in case of
             deposits by cheque.
          d. What are the rates of collection charges on
             outstation cheques?
          e. What are the minimum amounts that can be
             deposited as subsequent deposits in case of cash &
             cheque?
              f. What are the service charges on dishonoured
                 cheques?




                                  EXERCISE 2.1.6


        Make subsequent Deposit of Rs.2000/- in the Savings
            Accounts (543557) presented by the depositor. Make
            official entries in all the documents concerned as SBPA
            and SPM



                         Exercise 2.1.7- SANCHAY POST



     (Subsequent deposits – cash)


     (A) Make a deposit of Rs 2000/- in the Non cheque account opened by
     you in exercise no 2.1.4, note down BAT & views the reports.

     View the ledger card of each account and the LOT

     (Subsequent deposits – cheque)

     Entry of cheques for clearance
     (B)    Enter the data of following cheques accepted for deposit

                     Bank                           Cheque    Cheque   Amou
Sl         Type               City    A/c NO.
                     name                           date      no.      nt
                                       Non cheque
                                       a/c already Two
        Outstatio            New       opened    by days      AB
1                 SBI                                                   6000/-
        n                    Delhi     you in 2.1.4 back      181990



                                       Cheque
                                       account      Three     ZX
2       Local      SBI       Local     already      days      231115
                                                                        10000
                                       opened    by back                /-
                                       you in 2.1.4



    View the list of cheques for clearing and the consolidated list

    (C) Make some deposits in the accounts opened by you in exercise
    2.1.4(C)




                                     Exercise 2.1.8



    Updating of clearance data
    Cheque at serial 1 above is realized and cheque at serial 2 is dishonoured.
    Enter the realization and dishonoured details. View the ledger card of
    second account and confirm recovery of dishonour fee.

    Posting realized cheques to accounts
    Using the realization – Posting option, post the deposits pertaining to the
    cheques at serial 1 above. View the ledger card for these accounts and
    LOT and confirm updating. Note that in case of outstation cheques,
    appropriate commission is deducted.




                                     Exercise 2.1.9
Answer the following:
       a. What are the modes of withdrawals?
       b. Which documents are presented by the depositor
          in case of withdrawal by cheque?
       c. Write the counter procedure in case of withdrawal
          by cheque.
       d. What minimum amount can be withdrawn by the
          cash & cheque?
       e. Tell the limit of cash & cheque withdrawals for a
          Counter SBPA.



                        Exercise 2.1.10
Withdrawal- Cash

   Allow Withdrawal of Rs.1100/- in the savings account
    opened by you in exercise 2.1.3 (A/c No. 543557)


Make entries in records & get the transactions passed by
Supervisor ( Trainer)
                           Exercise 2.1.11
Withdrawal- Cheque

      Allow Withdrawal of Rs.1000/- in the savings account
       opened by you in exercise 2.1.3 (A/c No. 543558)


Make entries in records & get the transactions passed by
Supervisor (Trainer)




                           Exercise 2.1.12

(Withdrawals)

Cash withdrawals
Enter the data of following cash withdrawals allowed, note down common
and specific form number, send the transaction to supervisor and pass the
withdrawal



                                              Common       Specific
Sl     Account         Amount       BAT
                                              form no.     form no.

       Non     cheque
       account
1      already opened 1100/-
       by you in 2.1.4
       (A)
        In   any  A/c
       opened      in
2                     2000/-
       exercise 2.1.4
       (C)

View the ledger cards and watch transaction updating. View the LOT.



Cheque withdrawals

Enter the data of following cheque withdrawals, send the transaction to
Supervisor & pass the transaction

                                                             Specific
      Account   Cheque                              Common
Sl                               Amount     BAT              form
      number    number                              form no.
                                                             no.

      Already   First of cheque
      opened    book issued in
      by you    cheque account
                already opened
1               by     you     in 1000/-
                exercise 2.1.4

                (B)     Cheque
                Account

View the ledger cards and LOT




                           Exercise 2.1.13


Prepare a List of Documents dated today from MODEL SO to
TRAINING HO from the following particulars.


      Passbook of SB a/c No. 543101 with SB-7 for closure
   Passbook of savings A/C No.543251 for verification of
    balance


   Cheque No. kk/100101 dated yesterday for Rs.15000
    drawn on State Bank of India with foil portion of the
    pay- in-slip of account No.543300


   Application for transfer (SB-10(b) with passbook 543172
    of Model SO




                        Exercise 2.1.15


Prepare list of transaction incorporating all the transactions
dated today:
Deposits:           Account no. 543204       Rs. 1000/-
                                   543211     Rs. 1500/-
                                   543554      Rs. 300/-
Withdrawals:         Account no. 543209         Rs. 2000/-
                                   544315       Rs. 1200/-
New Accounts Opened:       Account no. 543559
Rs.1000/-


A/c closed : Account no. 543201         Amount Rs. 1200/-
Interest Current year – Rs. 62/-




                      Exercise 2.1.16


Draw IBB for each month in the following savings account.


Opened on 12th May with Rs 5000/-
     Subsequent deposits and withdrawals are as follows:
     Find out interest, add the same & arrive the balance


Date Deposit    Withdrawal      Balance             IBB
                          Month Amount of
                                IBB


16.05 1000.00             IV


06.06           2000.00   V


22.09 525.00              VI


10.10           1200.00   VII


10.10 780.00              VIII


16.11           800.00    IX


06.12 1650.00             X


17.12 850.00              XI
31.12           475.00     XII


09.01 3600.50              I


31.01 6000.00              II


02.02 12000.0              III
      0


10.03 18000.0              Total
      0                    of IBB


10.03 2000.00


20.03           12000.00


Inter
est
 (b) Account opened on 25th April with Rs. 5500/-
   Subsequent deposits and withdrawals are as follows: Find
 out interest, add the same & arrive the balance

 Date    Deposit Withdra Balance                IBB
                  wal



                                        Month       Amount
                                                    of IBB


09.05
                    1000.00             IV


12.06
          1600.00                       V


30.08
          2000.00                       VI


12.10
          4300.00                       VII


27.12
          7500.50                       VIII
29.12
                   800.00   IX


08.01
                   600.00   X


10.01
        1700.50             XI


19.01
        8000.00             XII


30.01
                  1660.50   I


31.01
                  1000.00   II


20.02
        2500.00             III


28.02
        3000.00             Total of
                            IBB


01.03
           6000.00


10.03
           1000.00


20.03
           1000.50


20.03
           3000.00


30.03
                     2110.00


interest


                         Exercise 2.1.17


  Prepare a Receipt for the depositor’s Pass Book (SB-28) for
  the following details:


  Name of depositor : Randhir, Caretaker, Postal Training
  Centre, Saharanpur
Type of Account    : Savings Bank


Account No         : 543119


Name of the Office : Model S.O in account with Training HO


Balance in the PB : Rs 12000/-


Purpose of taking PB    : For verification



                       Exercise 2.1.18


   Close the account opened by you in exercise 2.1.3 (A)-
    Account no. 543557
 Passbook and warrant of payment passed by HO are
received duly invoiced in the SB Slip.
                            Exercise 2.1.19
Account closure


Note down the current year transactions in the following accounts viewing
the ledger card and calculate the current year interest payable if these
accounts are to be closed today. Enter the data of closure of these
accounts and compare the interest calculation. Note down common,
specific form numbers, send the transaction to supervisor and pass the
transactions.

        1. Already opened by you in exercise 2.1.4 (A)      (non cheque
           account)
        2. Already opened by you (cheque account) 2.14 (B) - watch the
        requirement of return of unused cheques




                        Exercise 2.1.20
Prepare application for transfer (SB-10(b)) in respect of
account opened in exercise 2.1.3(C). The account may be
transferred to Chintamani SO under Kolar HO. Also process
the application for transfer.


                        Exercise 2.1.21
Please prepare an application for issue of duplicate passbook
in the following case & process the application for issue of
duplicate pass book


Name of depositor            : Ram Saran
Address           : No.7, Sharda Nagar, Saharanpur
Name of the Office : Model S.O in account with Training HO
Account No          : 543199
Date of last transaction       : 25-07-2010
Balance               : Rs.2020.00
Circumstances under which lost: Misplaced and not traceable
                         UNIT 2.2
                    RECURRING DEPOSITS


                      Exercise 2.2.1
Open the Recurring Deposit account for the details given
below:
Name and address of the customer:             Radhey Shyam
Denomination – Rs.200
Date of opening            - Today
Name and address of the nominee               BIMLA
                               wife of the depositor




Witness for the nomination -             Sanjay
                                     Govind Nagar, Saharanpur
Make necessary entries in various records such as stock
register, index to ledger card, pass Book, ledger, SB-3, SB-
103, long book by playing the role of SBPA and SPM.
Allot account number and register nomination




                               Exercise 2.2.2

RD -Opening of accounts
          1. Open 1 RD account for a denomination of Rs. 100/- with
             nomination with current month deposit by cash. Note down
             the account number, common and specific form and inform
             instructor for passing
          2. Open 1 RD account for denomination Rs. 200/- with
             nomination with current month deposit by cheque. Note
             down account number, common and specific form number and
             pass the transaction from Super

General
Print the passbook for following transactions

          1. Issue of new passbook for account opened at serial 1 above


                               Exercise 2.2.3


RD PRSS deposits

Acceptance of bulk deposit

Ascertain the name of the institution already created; Open 2-3 accounts
with details of your choice under opening of bulk accounts. Note down the
accounts numbers. View the ledger card of each account and note the
details of denomination. Arrive at the amount to be collected for next two
months.
               Accept bulk deposit , send the transaction to Supervisor &
                verify
               View the LOT
Posting of bulk deposits
             Post the bulk deposit accepted in exercise 2.2.6
             View the ledger card



                  Exercise 2.2.4
Accept subsequent deposit in the above accounts and make
all the official entries as SBPA and SPM.



                     Exercise 2.2.5
(a) FIND OUT THE DEFAULT FEE TO BE COLLECTED ON THE
FOLLOWING:


01 Denomination Rs.10
The depositor wants to pay deposits for the previous &
current month today


02 Denomination Rs.60


The depositor wants to pay deposits for the previous two
months & current month today
03 Denomination 100
The depositor wants to pay deposits for the previous three
months & current month today




04 Denomination Rs.150
The depositor wants to pay deposits for the previous four
months & current month today


05 Denomination 750
The depositor wants to pay deposits for the previous five
months & current month today




                        Exercise 2.2.6


Find out the REBATE eligible to the depositor in the following
cases:




Sl.   Denomina Number       Rebate
No. tion            of
                    advance
                    deposits

01    10            5

02    10            6

03    10            11

04    10            12

05    10            18




Make official entries in all the concerned records
Prepare list of transaction incorporating all transactions for
the day




                             Exercise 2.2.7


1.Accept Rs. 200/- in the Account opened at no. 1 in exercise 2.2.5

2.Accept Rs. 2400/- in the account no.2 opened in exercise 2.2.5

3.For practicing deposits of defaulted installments, open 2 RD accounts by
“TRANSFER IN” with suitable entries & practice deposits of defaulted
installments.
                             Exercise 2.2.8



RD loan, PMC and closure

RD loan, Premature closure &closure
(A) Open some RD accounts through “TRANSFER IN” with suitable entries
(Opening date- 3 years 6 months back). Enter the maximum admissible
amount of loan in account opened through TRANSFER. Close the account
prematurely.

View the LOT on completion



(B) Open one RD Account in DATA ENTRY Module with opening date 5
years back & practice closure of Account.
AA
aa



88
99

                   MIS ACCOUNTS


                        Exercise 2.3.1


Open one MIS account with the following details:
Post Office         : Model P.O.
Date of opening     : Today
Name & Address      : Satnam Singh
               No. 15, Govind Garh, SAHARANPUR
Amount            Rs. 30,000/-
Make necessary entries in various records such as stock
register of PB, index to ledger card, pass Book, ledger, SB-3,
SB-103, long book by playing the role of SBPA and SPM.




                            Exercise 2.3.2


MIS-Opening accounts
             Open 1 MIS single account for Rs. 40000/- with cash and
              without nomination. Supervisor to verify
             Enter data of a cheque deposit for opening MIS single
              account for Rs. 300000/-; Realise the cheque; Open the
              new account through cheque for this deposit; Note down
              account number; Supervisor to verify
             Open one MIS account for Rs. 30000/- - single account
              through the agent; Note down account number; Supervisor
              to verify
             View the ledger cards, LOT and agent’s report



                        Exercise 2.3.3
Find out the monthly interest payable for the accounts
opened today:

Amount of          Monthly interest payable
deposit

1500

7500

30000
45000

60000

75000

1,20,000

2,40,000

3,00,000

4,50,000

9,00,000




                             Exercise 2.3.4

Payment of monthly interest


Open MIS accounts through “TRANSFER IN” with suitable entries
(Opening date- 3 years 6 months back) showing some interest due &
Open Savings account for automatic transfer of interest in Savings
account.

              View the ledger cards
              Make payment of monthly interest for the number of
               months due in accounts. Supervisor to verify; View ledger
               cards and LOT
              Observe the automatic transfer of interest to SB account
               for account already opened
                       Exercise 2.3.5


(a) Calculate the amount payable in the following premature
closure cases:

   MIS account opened on 20.07.209 for Rs.1,50,000.
    Monthly interest drawn up to previous month.
    Depositor wants to close the account today.


   MIS account opened on 10.10.2007 for Rs.90,000 and
    monthly interest was drawn up to previous month.
    Depositor wants to close the account today.


(b) Calculate the amount payable in the following cases
closed on maturity:
1. MIS account opened on 29.01.2004 for Rs. 3, 00,000.
Monthly interest was drawn for 70 months. Depositor wants
to close the account today.
                            Exercise 2.3.6


Pre mature Closure of accounts


              Close the accounts prematurely.
               o Observe the deduction percentage of discount




Closure of accounts
Open one account with suitable entries (6 years back) in DATA ENTRY
MODULE & practice closure of account.
                     TIME DEPOSITS

                        Exercise 2.4.1


Mention the types of TD accounts and its interest rate.


2) Minimum amount of investment is Rs…………………..
  Maximum amount of investment is ……………………..


Can we open an account for Rs.11100?


Whether the Time Deposit account can be opened by
cheques?


5) Whether the depositor of Time Deposit Account is eligible
for post maturity interest? If so for how long and at what
rate?




                        Exercise 2.4.2
Open one 2 year TD account with the following details:


       Name and address of the customer: Manilal R
                                    No.50, Govt. Guest house
road
                                    SAHARANPUR


       Amount of Deposit                 Rs.100000


       Date of opening                   Today


Make necessary entries in various records such as stock
register, Specimen Signature book, pass Book, ledger, SB-3,
SB-103, long book by playing the role of SBPA and SPM. Also
calculate the annual interest with reference to ready
reckoner.




                            Exercise 2.4.3

Opening of new accounts and pledging
              Open one account each for 1 year, 2 year, 3 year and 5
               year TD with initial deposit of Rs. 30000/- without
               nomination. Note down account numbers. View LOT
                           Exercise 2.3.4

PAYMENT OF ANNUAL INTEREST

Open one new account in 5 years TD through TRANSFER IN with suitable
entries & practice payment of annual interest.




                  Exercise 2.4.5
Find out the amount payable to the depositor in the
following cases.
a.    3 Year TD Account
Amount of Deposit Rs.50000
Date of opening 10.01.2007
Annual interest already paid for two years
Depositor wants to close account today
b.    5 Year TD Account
Amount of Deposit Rs.100000
Date of opening 15.01.2005
The depositor has not taken annual interest since the date of
its opening. Depositor wants to close account today
                           Exercise 2.4.6



Open one Account through TRANSFER IN          with suitable entries to
practice premature closure & one account in DATA ENTRY module with
suitable entries (one year & 3 months back) in one year TD to practice
Closure on maturity.




PUBLIC PROVIDENT FUND
                           Exercise 2.5.1


Answer the following:
01. Who can open PPF account?
02. Where the account can be opened?
03. How many accounts an individual can open?
04. What is the minimum & maximum amount of deposit in
a financial year?
05. What is the maximum balance that can be held in a PPF
account?
06. What is the period of account?
07. When the depositor is eligible to take loan?
08. When the depositor is eligible to take withdrawal?
09. Is there any Income Tax concession for investment &
interest on investment in PPF account?
10. Whether the investment in PPF account can be attached
by court of law?
                             Exercise 2.5.2


PPF-Opening of accounts
1. Open 1 PPF account with initial subscription of Rs. 30000/- for an
individual. Note down account number
2. Open 1 PPF account with initial subscription of Rs. 10000/- for an
individual. Note down account number

Acceptance of subscriptions
              Accept subscription of Rs. 15000/- for the current year in
               account no. 1
View ledger card and LOT

                             Exercise 2.5.3

PPF

Withdrawal and loan



Open a PPF accounts through “TRANSFER IN” with suitable entries
(Opening date- 2 years 6 months back) for granting loan & an account
with suitable entries (Opening date- 7 years 6 months back) for granting
withdrawal.
              Allow eligible amount of loan in the first account & view
               reports.
              Allow eligible amount of withdrawal in the second account
               closure & view reports.
                            Exercises 2.5.4

Open a PPF accounts through DATA ENTRY with suitable entries (Opening
date- 16 years 6 months back) for practicing closure of account
              Close the account & view reports.




Senior Citizen Savings Scheme Account
                          Exercise 2.6.1
A. What are the eligibility conditions for opening of SCSS
   account?
B. Can a SCSS account be opened in all type of Post Offices?
C. What is the minimum & maximum amount of deposit?
D. What is the rate of interest?
E. What is maturity period of SCSS account?
F. What are all the documents required for opening of
   account?
                          Exercise 2.6.2
Open one SCSS account with the following details:
Post Office            : Model P.O.
Date of opening        : Today
Name & Address         : Srikrishna
                   No. 120, Nyaya Marg, Siddarthanagar
                   Sahranpur-247001
Amount              Rs.100000
Date of birth         : 15.12.1949
Name of the Nominee: Deepti (wife of the depositor)


Witness : Shiv Ram Retired Teacher, No. 25, Hakikat Nagar,
Saharanpur -247001
Make necessary entries in various records such as stock
register, index to ledger card, pass Book, ledger, SB-3, SB-
103, long book & nomination register by playing the role of
SBPA and SPM.
Allot account number and register nomination
Calculate the quarterly interest for the current quarter &
regular quarter




                           Exercises 2.6.3


SCSS-Opening of account
             Open 1 single account with cash deposit of Rs. 35000/-
              from a senior citizen
             Accept a cheque for deposit of Rs. 200000/- from senior
              citizen for opening SCSS joint account.      Realise the
              cheque. Open the account with spouse as joint depositor
                           Exercise 2.6.4


Pay quarterly interest in the account opened by you in the
exercise 2.6.2 and make official entries in all the concerned
records




                           Exercises 2.6.5


Open an SCSS account with suitable entry (6 months back) in Data entry
module; practice the process of payment of quarterly interest viewing
various reports.
                           Exercise 2.6.6


Calculate the amount payable to the depositor in the
following account on closure:


Date of opening             : 10.02.2007
Amount                : Rs. 50000/-
Interest paid up to previous quarter
Depositor wants to close the account today



                             Exercises 2.6.7
(A) Open an SCSS account with suitable entry (1 years 6 months back) in
Data entry module; practice the process of premature closure see
interest & penalty, viewing various reports.


(B) Open an SCSS account with suitable entry (5 years 6 months back) in
Data entry module; practice the process of closure, see interest viewing
various reports.

				
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