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WorksheetsQUIZ 4 OFFICERS BATCH 2023-24
Total questions: 106
Worksheet time: 41mins
Name
Class
Date
1.
Which of the following insurance policies are be considered for loan against LIC policy
a)
Term Plan
b)
Whole Life policies
c)
policies assigned in favor of minor
d)
Policies issued under Married Women’s Property Act, 1874.
e)
None of above
2.
What is the minimum margin required for loan under Baroda Scholar Scheme for loans between 4 lakhs to Rs.7.50 Lakhs
a)
5%
b)
15%
c)
20%
d)
10%
e)
None of above
3.
What is the Minimum CIBIL score under Baroda CRE Home Loan
a)
-1
b)
725
c)
825
d)
650
e)
None of above
4.
What is the maximum loan that can be given under Mortgage Loan Scheme to semi urban branches
a)
5 crores
b)
10 crores
c)
2.50 crores
d)
20 crores
e)
None of above
5.
What is the maximum loan that can be given under Baroda PRE Owned Car
a)
20 lacs
b)
50 lacs
c)
100 lacs
d)
200 lacs
e)
None of these
6.
Fixed ROI has been implemented in following schemes in current year
a)
Baroda Auto Loan
b)
Baroda Pension Loan
c)
Baroda Personal Loan
d)
1&2
e)
2 Only
7.
What is the Minimum CIBIL score required for Pre Approved Personal Loan to Liability Customers
a)
701
b)
725
c)
825
d)
650
e)
None of above
8.
The financial analysts use to say that trend of the particular compnay is highly leveraged? Could you explain, what it indicates?
a)
The company is making good amount of SALES year after year.
b)
The company liquidity is increasing year after year.
c)
The company borrowing level is increasing year after year.
d)
The company is making good amount of PROFIT year after year.
e)
None of above
9.
What is the % of CGTMSE Coverage for Micro enterprises above 5 lakhs and below 50 lakhs
a)
50%
b)
75%
c)
80%
d)
85%
e)
None of above
10.
A company approaches you for a loan and you find that it has total Cash of Rs.55 lacs and out of which Rs.30 lacs lying in current account is marked lien by the bank due to attachment order by Income Tax Dept. How you will treat Rs.30 lacs in CMA?
a)
As Current Assets
b)
As Non-Current Assets
c)
We will remove the cash Balance of Rs.30 lacs from Assets side
d)
It will be treated as Contingent Liability
e)
None of above
11.
A company has total investment of Rs.150 lacs in its Associate Concerns. It has redeemed Rs.50 lacs out of Rs.150 lacs investment. What will be the immediate impact on the Financial Standing of that Company just after redemption?
a)
The DE Ratio of the company will improve.
b)
The current ratio of the company will improve.
c)
The Fixed Assets Coverage Ratio of the company will imp
d)
The networth of the company will improve as the company will receive Cash from sale proceeds.
e)
None of above
12.
A company debtors level has decreased from Rs.70 lacs as on 31.03.2021 to Rs.50 lacs as on 31.03.2022. While preparing the Cash Flow Statement, how you will classify the above transaction?
a)
Cash outflow from operation Rs.20 lacs
b)
Cash Inflow from operation Rs.20 lacs
c)
Cash outflow from investment Rs.20 lacs
d)
Cash inflow from investment Rs.20 lacs
e)
NonCash outflow from Financi ng Rs.20 lacse of above
13.
The date on which the borrower becomes a"Specified borrower" is called as
a)
reference date
b)
relationship date
c)
sanction dare
d)
date of intimation
e)
specified date
14.
A company has total NPV of fixed Assets of Rs.150 lacs. It has term loan of Rs.100 lacs, Networth of Rs.25 lacs, Current Liability of Rs.25 lacs and Non- Current Assets of Rs.50 lacs. How much is FACR (Fixed Assets Coverage Ratio) of this company
a)
1.50 times
b)
1.20 times
c)
1.00 times
d)
2.00 times
e)
None of above
15.
Debtors holding level (period) means better trade credit management and implies prompt payment by debtors
a)
Longer
b)
Average
c)
Shorter
d)
Exceptionally longer
e)
None of above
16.
TEV study is not required for the project costs upto Rs._________
a)
25 crores
b)
10 crores
c)
50 crores
d)
5 crores
e)
20 crores
17.
A company has total Book-Debts of Rs.200 lacs as on 31.03.2022 and during financial year 2022- 2023 it has realized the Book-Debts of Rs.50 lacs. What will be the impact on the Balance Sheet of the Company as on 31.03.2023?
a)
Total Current Assets of the company will increase by Rs.50 lacs.
b)
Total Assets of the company will increase by Rs.50 lacs.
c)
Total Liability of the Company will reduce by Rs.50 lacs
d)
There will not be change on the Assets & Liabilities of the Company.
e)
None of above
18.
Credit audit will be carried out withtin _ months from the date of sanction
a)
1 month
b)
3 months
c)
6 months
d)
12 months
e)
None of above
19.
Stock audit is to be conducted bi-annualy in accounts
a)
50 lakhs and above
b)
1 crore and above
c)
between 1 crores and 5 crores
d)
2 & 3
e)
1&3
20.
Identify the warning signal
a)
interest overdue more than 15 days
b)
ac is overdrawn for more than 30 days
c)
eturn of Bills purchased > 2 bills in a month
d)
No credit in the operative A/C for consecutive 30 days
e)
All of the above
21.
Which of the following scheme codes can be opened through " BoB World Tab"?
a)
SB101
b)
SB117
c)
SB138
d)
SB181
e)
All of the above
22.
What is the maximum per day limit under POS/ECOM for bob World "Agniveer" debit card under Rupay Platinum??
a)
50000
b)
100000
c)
200000
d)
500000
e)
None of above
23.
Customers with PAN No can deposit maximum maximum Rs. _ Lakhs in cash deposit machines
a)
50000
b)
100000
c)
200000
d)
250000
e)
25000
24.
Howmany ATM-Cashwithdrawal transactions per day are allowed for bob World "Agniveer" debit card under Rupay Platinum?
a)
3
b)
5
c)
10
d)
Unlimited
e)
None of above
25.
Which of the facilities are not available for corporate customers under internet banking ?
a)
debit card management related functionality
b)
Online FD creation
c)
Apply for Overdraft against deposit
d)
Online dispute resolution system
e)
None of above
26.
BOB World Dronacharya debit card can be issued with Mode of operations
a)
Self
b)
Either or survivor
c)
anyone or survivor
d)
all of the above
e)
None of above
27.
Bank‘s aggregator will settle the net banking funds to the merchant in Barodaegateway in t + _ days
a)
t + 1
b)
t + 2
c)
t + 3
d)
t+ 4
e)
None of above
28.
What is the new menu for monitorng credit linkage of RESTI Rural Self Employment Trained Candidates Candidates?
a)
RSETICC
b)
RSETIGCC
c)
RSETICADV
d)
RSETI
e)
None of above
29.
What is the menu for providing benefit of Prompt Repayment Incentive for all elgibile short term agriculture loan accounts?
a)
PRIAMT
b)
PROMPT
c)
PRIPPT
d)
PRIACT
e)
None of above
30.
What is the menu for checking the status of PFMS account validation status and payment status foir agency accounts on boarded on PFMS portal
a)
ACPAOINQ
b)
AVPAQINQ
c)
AVPAOINQ
d)
ACPAQINQ
e)
None of above
31.
What is the menu for getting data on pending signature in the system for SB and CA accounts
a)
SBCASIGN
b)
JOTRPT
c)
SIGNPEND
d)
PENDSIGN
e)
None of above
32.
What is the menu for short reviewed borrowers in HBAIM
a)
SHRTREV
b)
SHRTREVIEW
c)
SHORTREV
d)
SHORTREVIEW
e)
None of above
33.
interim finance under IBC means -
a)
financial debt raised by the resolution professional during the insolvency resolution process period.
b)
financial debt raised by the resolution applicant for funding requirements as per resoluti on plan.
c)
financial debt raised by the corporate debtor during the insolvency resoluti on process period to manage day-to-day operations
d)
financial debt raised by the financial creditors for meeting cost related to resolution process.
34.
Which of the following is correct definition of "attempted fraud"?
a)
A ‘deliberate act/omission’ which resulted in ‘wrongful gain’ to any person
b)
A ‘deliberate act/omission’ which did not result in ‘wrongful gain’ to any person.
c)
Frauds prevented by the employee due to the alertness and extra vigilance over and above the existi ng processes and systems controls.
d)
A ‘deliberate act/omission’ which resulted in ‘wrongful gain’ to the fraudster or any person related to the fraudster.
35.
The Monetary Policy Committee of Reserve Bank of India has ___members.
a)
5
b)
7
c)
6
d)
8
36.
Which of the following STATEMENT as regards Digital Life Certificate through Face Authentication Technique is INCORRECT
a)
Pensioners can also submit Digital Life Certificate by visiting bank branch with the help of branch officials.
b)
For pensioners not having phone or Android phone visits branch, the branch official should submit Pensioners’ DLC through his own Android smartphone.
c)
Digital life certificate can now be submitted by the pensioners digitally through face authenticati on technology using either Jeevan Pramaanapplicati on or Aadhaar Face RD Application by UIDAI in Android smartphones.smartphones.
d)
Branches should make suitable arrangements for submission of digital life certificate by the super senior pensioners or family pensioners aged 80 years and above from 1st of October and for all pensioners from 1st of November onwards.
37.
The Reserve Bank of India in January 2023 had released Discussion Paper on"Introducti on of Expected Credit Loss Framework for Provisioning by Banks.Now, the RBI has
a)
Released the fi nal guidelines for Expected Credit Loss Framework for Provisioning by Banks.
b)
Constituted an External Working Group
c)
Set up an advisory committ ee to report on the fi ndings of comments received by stakeholders on discussion paper.
d)
Submitt ed the proposal for approval by fi nance ministry.
38.
At present, the UDGAM (Unclaimed Deposits – Gateway to AccessinforMati on) portal of Reserve Bank of India supports search facility for_____ banks.
a)
7
b)
12
c)
28
d)
30
39.
Under RBI’s UDGAM portal, if a customer finds his unclaimed deposit details,he/she should contact the branch along with ________.
a)
Latest KYC, Screenshot/photo of UDGAM search result
b)
KYC documents and Passbook/Cheque Book
c)
UDRN Number with photo identi ty/OVD proof
d)
Aadhaar and Bank Account number
40.
Loans up to Rs____ Crore to Co Operative Socities of farmers for disposing of the produce of Members?
a)
Rs. 2 Crore
b)
Rs. 5 Crore
c)
Rs. 10 Crore
d)
Rs. 25 Crore
e)
None of the Above
41.
Bank credit to MFIs and NBFC for on-lending have a Cap of overall overall limit of ___________ of individual bank’s total priority sector lending?
a)
5
b)
10
c)
15
d)
2.5
e)
None of the Above
42.
What is the maximum limit for weight for per account under GOLD LOAN SCHEME?
a)
100 Gm
b)
200 Gm
c)
50 Gm
d)
25 Gm
e)
None of the Above
43.
FDR of Rs. _______/- is taken from assayer as a security for 60 months before appointment as an assayer?
a)
Rs. 5000/-
b)
Rs. 10000/-
c)
Rs. 20000/-
d)
Rs. 50000/-
e)
None of the Above
44.
Interest subvention is available for scheme codes 1. CC003, 2. CC025, 3.CC028, 4.CC039, 5.CC044, 6.CC043
a)
1,2,3,&4
b)
1,4,5 & 6
c)
1,3,4 & 5
d)
All Mentioned schemes
e)
None of the Above
45.
DAY NRLM, MoRD, provides ___________ support as corpus to SHGs to strenghthen their institutional and financial management capacity and build a good credit history with in the group
a)
Grant in Aid
b)
Interest Subsidy
c)
Revolving Fund
d)
Capital Subsidy
e)
None of the Above
46.
High Risk Area will contribute ___ Red Flag Points
a)
5
b)
10
c)
3
d)
4
e)
None of the Above
47.
Employee will be put on watchlist after acumulation of ____ Red Flag Points
a)
15
b)
20
c)
30
d)
50
e)
None of the Above
48.
How many Red flag parameters are available in Administrative Enforcement of Accountability Scheme
a)
90
b)
92
c)
91
d)
89
e)
None of the Above
49.
Authum Investment and Infrastructure Ltd. is empanneled by our Bank as-
a)
Marketing Agency
b)
Credit rating Agency
c)
Recovery agency
d)
Law Agency
e)
None of the Above
50.
"Video Re-KYC" functionality will be available to……... customers where Re-KYC is due
a)
Individual resident
b)
SHG
c)
NRI
d)
Partnership firms
e)
None of the Above
51.
What is the Bank's stance on maintaining current accounts for internal uses?
a)
All branches can maintain current accounts for their internal uses.
b)
No branch can maintain current accounts for their internal uses.
c)
Only select branches can maintain current accounts for their internal uses
d)
Only current accounts with customer relations can be maintained for internal uses.
e)
None of the Above
52.
For effective monitoring of transactions in office accounts and generation of exceptions, ___ portal has been launced by Bank.
a)
CMUFG
b)
CERMO
c)
CEMU
d)
OCRMS
e)
None of the Above
53.
Maximum Amount that can be deposited in Sukanya Samriddhi scheme in an Financial Year is?
a)
Rs.150000/-
b)
Rs. 200000/-
c)
Rs. 250000/-
d)
Rs.50000/-
e)
None of the Above
54.
Which MENU is used for maintenance of Sukanya Samrridhi Account?
a)
HTMSSA
b)
HTM
c)
MTSSA
d)
HTMSA
e)
None of the Above
55.
SCSS account has tenure of 5 years, which can be extended up to ____ years?
a)
3
b)
2
c)
5
d)
1
e)
None of the Above
56.
At present ROI for SCSS is?
a)
8.10%
b)
8.20%
c)
8.30%
d)
8.00%
e)
None of the Above
57.
Sovereign Gold Bonds are issued to individuals in denominations of minimum of ___ gram and a maximum of ___Kg in a fiscal year?
a)
1,2
b)
2,4
c)
1,4
d)
4,1
e)
None of the Above
58.
Central Electronic Registry has been set up by Central Government under _______Act:-
a)
Indian Contract
b)
SARFAESI
c)
Banking Regulation
d)
RBI
59.
Charge created on LIC Policy is
a)
Hypothecation
b)
Pledge
c)
Assignment
d)
Lien
60.
Governor of RBI is appointed by :
a)
Board of RBI Directors
b)
Chairman & Managing Directors of Nationalised Banks
c)
World Bank
d)
NABARD
61.
If in a company, government’s share holding is more than 51% , it is classified as
a)
Public Ltd
b)
Partnership
c)
Private Ltd
d)
Government company
e)
Semi government
62.
In Which income category of income GST not applicable
a)
Incident
b)
Processing
c)
Interest on Packing Credit
d)
Locker Rent
63.
Minimum capital requirement for a public limited company, as per Company’s Act 2013 is:-
a)
Rs. 1.00 lacs
b)
Rs. 5.00 lacs
c)
Rs. 50.00 lacs
d)
Rs. 100.00 lacs
64.
Holder in due course is defined u/s…..of NI Act
a)
10
b)
9
c)
18
d)
8
65.
Holder is defined u/s……. of NI Act
a)
10
b)
9
c)
8
d)
18
66.
Identify the document of title to goods
a)
Demand Draft
b)
Bill of lading
c)
Cheque
d)
Pay order
67.
If a cheque dated 20.02.2015 is presented for payment on 20.06.2015, the bank would
a)
Pay the cheque, as it is not a stale cheque
b)
Pay and get confirmation of drawer as it has become stale
c)
Refuse payment of this stale cheque
d)
Make payment by obtaining telephonic confirmation from the drawer
68.
In case of a collection of a bank draft the collecting banker is protected against conversion under section of Negotiable Instrument Act 1881
a)
131
b)
131A
c)
85
d)
128
69.
Indian Contract Act belongs to which year?
a)
1881
b)
1880
c)
1956
d)
1872
70.
Mr. Ashish Kumar is an Advocate. He is not satisfied with the service of the bank which has delayed his collection of cheque. He has taken up the matter with the bank concerned. Since he has not got a proper response, he has decided to approach Banking Ombudsman.
a)
He will not be entitled as per the scheme
b)
He can very well take up the matter
c)
There is bar for the advocate to involve themselves in approaching Banking Ombudsman
d)
Mr. Ashish Kumar cannot avail the services of Banking Ombudsman, but he can approach the court of law
71.
How much discount on Demat service charges is offered under Baroda Salary (Super SB175) account?
a)
Waiver of 25%
b)
Waiver of 50%
c)
Waiver of 100%
d)
Waiver of 75%
e)
None of the Above
72.
How much discount on processing charges of Reverse Mortgage Loan is offered under Baroda Sr. Citizen Privileage Savings (SB 180) account?
a)
Waiver of 25%
b)
Waiver of 50%
c)
Waiver of 100%
d)
Waiver of 75%
e)
None of the Above
73.
What is the Full Form of DICGC
a)
Deposit Insurance & Credit Guarantee Corporation
b)
Deposit Interest & Credit Guarantee Corporation
c)
Deposit Insurance & Consumer Guarantee Corporation
d)
Deposit Insurance & Credit Guarantee Corporate
e)
None of the Above
74.
BCFSP Stands for
a)
Baroda Colonel Force salary Package
b)
Baroda Central Fighters salary Package
c)
Baroda Common Forces salary Package
d)
Baroda Central Forces salary Package
e)
None of the Above
75.
Which Insurance company has renewed the policies for Bank's Movable & Immovable Assets?
a)
State Farm Insurance
b)
Allianz Insurance
c)
ICICI Lombard General Insurance Company Limited
d)
Prudential Insurance
e)
None of the Above
76.
As per MOU signed with Uttarakhand Police for opening of salaried account, what is the maximum account of Sum Assured offered under complimentary Life Insurance cover Benefit
a)
1 Lakh
b)
2 Lakh
c)
5 lakh
d)
10 Lakh
e)
None of the Above
77.
SARFAESI Action should be initiated within ____ days of account becomes NPA
a)
5
b)
7
c)
3
d)
15
e)
None of the Above
78.
As per the Chapter IV - A in the SARFAESI Act, 2002, ________ provisions for default in filing, modifying and satisfaction of security interest (section 27) is no longer applicable.
a)
PENALTY
b)
Delayed Payment
c)
Delayed Filing
d)
Penal Interest
e)
None of the Above
79.
In which of the following cases registration of charge with CERSAI is not required?
a)
Secured Creditor
b)
Patent
c)
Motor Vehicle, Standing Crops & Livestock
d)
Copy Rights
e)
None of the Above
80.
For accounts above Rs 10.00 Lakhs and up to Rs 1.00 Crore, what procedure should be followed in case of fresh slippages?
a)
Submit a Status Note within -7- days of slippage to the Regional Office.
b)
Conduct a thorough investigation to determine staff accountability
c)
Staff accountability to be carried out immediately
d)
All of the above
e)
None of the Above
81.
Earnest Money Deposit of ______% is to be collected from prospective bidder under Auction in SARFAESI?
a)
10
b)
20
c)
15
d)
25
e)
None of the Above
82.
What is the Time Limit for creation of Charge under CERSAI?
a)
30 days
b)
60 days
c)
90Days
d)
120 Days
e)
None of the Above
83.
An account became NPA on 30 April 2021. It will be categorised as ____ on Jan 2023
a)
Substandard
b)
Doubtful
c)
Loss
d)
Standard
e)
None of the Above
84.
Car loan to famrers with minimum land holding of ---acres perennially irrigated land or ----- acres of seasonally irrigated lands.
a)
4, 2
b)
2, 4
c)
4,6
d)
2,6
e)
None of the Above
85.
Which among the following is an External cause of account becoming NPA
a)
inadequate product base
b)
increased cost of production
c)
Lack of production planning and control
d)
Non Realisable of securities
e)
None of the Above
86.
How much amount can be repatriated from NRO account in a financial year
a)
USD 1 million
b)
EURO1 million
c)
INR 1 million
d)
GBP1million
e)
CAN 1million
87.
In our Bank FCNR(B) account can be opened in which currency
a)
USD ,GBP, EUR, AUD
b)
USD ONLY
c)
GBP ONLY
d)
EUR ONLY
e)
AUD ONLY
88.
FCNR(B) account can be opened as per RBI
a)
Saving &Time deposit only
b)
Time Deposit excluding RD
c)
Time deposit only
d)
Current Account
e)
Saving & Current Account
89.
Under the liberalised Remittance Scheme all resident individuals including minors are allowed to freely remit how much amount in a financial year
a)
INR2,50,000
b)
USD2,50,000
c)
INR50,000
d)
USD50,000
e)
INR1,00,000
90.
For RLFCD(Rupee Linked Foreign Currency Deposit) Which is NOT True
a)
Period: 12, 24 and 36 months
b)
Pre-mature repayment: Permitted
c)
Account Opening form: Existing NRE term deposit/FCNR
d)
Minimum Amount: Minimum USD 10,000
e)
Currency : USD, GBP, EUR and AUD
91.
As per the policy on Administrative Enforcement of Accountability, who is responsible for uploading Red Flag in the HRMS system?
a)
CIAD
b)
Compliance Dept
c)
ZIAD
d)
HR
92.
As per the policy on Administrative Enforcement of Accountability, who is responsible for uploading White Flag in the HRMS system?
a)
RCO
b)
ZCO
c)
ZIAD
d)
HR
93.
All Cash Cheque/draft for Rs. ___ and above should be screened under UVRay Machine before passing for payment
a)
10000
b)
25000
c)
50000
d)
200000
94.
All cash cheques/drafts below Rs.____ and clearing/transfer cheques/drafts below Rs._____ should be scrutinized under ultraviolet ray machine, when the passing officer finds any unusual circumstances or doubt such as cheques having uneven surface or cheques which look faded
a)
25,000 & 1,00,000
b)
50,000 & 1,00,000
c)
10,000 & 50,000
d)
10,000 & 1,00,000
95.
Which of the following is fraud prone area while executing documents?
a)
Documents executed at borrower's home
b)
Documents executed at non-mortgage branch
c)
Documents executed at business premises of borrowers
d)
Documents executed in the absence of bank officials
96.
In case of small account under KYC norms
a)
the aggregate of all credits in a financial year does not exceed Rupees one Lakh
b)
the balance is not exceeding Rs 50,000/- in all their accounts taken together
c)
Both the above statements are true
d)
Both the above statements are False
97.
Role of the concurrent auditors / internal inspectors with KYC is to
a)
Review of compliance of KYC guidelines
b)
Effectiveness of the implementation of the KYC
c)
Verification of newly opened accounts and their transactions
d)
All of the above
98.
When the proof of the local address for correspondance is not available with customer, it is done through acknowledgment of receipt of letter, cheque books, Visit to the place, etc. The process is known as
a)
Positive Confirmation
b)
Negative Confirmation
c)
Physical Verification
d)
Inspection
99.
Customer is defined as
a)
a person or entity that maintains an account and/or has a business relationship with the bank
b)
an entity that maintains an account and/or has a business relationship with the bank
c)
a person or entity that maintains only a business relationship with the bank
d)
a person or entity that only maintains an account with the bank
100.
If the change is adverse to the customer, the customer may be provided options, to close the account or switch to any other eligible account without having to pay the revised charge or interest within days of such notice;
a)
15
b)
30
c)
45
d)
60
e)
none of these
101.
The Bank will communicate unambiguously the information about which of the following? (Choose the INCORRECT option)
a)
Change in rate of interest of product
b)
change in working hours
c)
change in telephone numbers
d)
change in telephone numbers
e)
none of these
102.
Acknowledge all formal complaints (including complaints lodged through electronic means) within working days.
a)
One
b)
Two
c)
Three
d)
Four
e)
none of these
103.
Bank needs to work to resolve all formal complaints (including complaints lodged through
electronic means) within a reasonable period, not exceeding
...........days.
a)
Three
b)
Five
c)
Seven
d)
Fifteen
e)
none of these
104.
The bank shall adhere to Telecom Commercial Communications Customers Preference Regulations, ______ (National Customer Preference Registry) issued by Telecom Regulatory Authority of India while Communicating with customers
a)
2010
b)
2011
c)
2012
d)
2009
e)
2013
105.
What is our organization's policy regarding diversity and inclusion?
a)
To value differences and understand that diversity and inclusion are good for the organization
b)
To ignore differences and avoid diversity and inclusion
c)
To only consider diversity in certain situations
d)
To discriminate against certain categories of people
e)
none of these
106.
Our Bank established for development of Human Capital through its skill enhancement and entrepreneurship development programmes.
a)
Baroda Swarojgar Vikas Sansthan Trust
b)
Baroda Swarojgar Vikas Society
c)
Baroda Self- employment
& Skill Development Trust
d)
None of the above
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