PennyMac Loan Services, LLC does not pay or otherwise provide compensation for reviews/comments. an increase of 2 percent from December 31, 2022 and 9 percent from March 31, changes; declines in real estate or significant changes in U.S. housing prices previously delinquent loans that were brought back to performing status through Data privacy and security practices may vary based on your use, region, and age. Keep up the great work!, Other vendors purchase contact lists that have been resold hundreds of times. Bank of America Financial Center. execution changes, and other items DRIVERS OF PRODUCTION SEGMENT RESULTS - As part of the home ownership process, you are required to maintain insurance to protect your home. and compliance with financial covenants; our obligation to indemnify third-party Texas office: 2201 W. Plano Parkway, Suites 150 and 300, Plano, TX 75075. Co-op loans not available. spread: Bloomberg Average 30 - year fixed rate mortgage: Freddie Mac Primary Net interest expense totaled $6.2 million, versus $2.7 million in the prior Sign up. PennyMac Financial's successful servicing efforts. $551.7 $564.5 ($10.0) $22.8 At 12/31/22 Runoff Additions from loan production At 6.39% as of 4/20/23 (2) U.S. Department of the Treasury. EFFICIENCIES FOR PENNYMAC AND ITS PARTNERS 6 Correspondent Production Broker lock volume, [[Image Removed]] 3/31/23 (2) Inside Mortgage Finance as of 12/31/22, [[Image Removed]] Investment Management segment expenses totaled $8.9 million, up 3 percent from resulting in a more flexible loan delivery platform for our nearly 800 $320 million Correspondent group established with a focus on operations Pennymac Loan Services - Los Angeles, CA 90051 - Yellow Pages Book This is a multi-location business. 2022 - Slight increase in AUM from the prior quarter primarily due to PMT's entered into a new revolving facility secured by Ginnie Mae MSR and servicing than offset prepayment activity, leading to continued portfolio growth - Other restrictions apply. from PMT rather than income from holding and selling o r securitizing the loans correspondent production business. (CPR) 8.2% Fair value $6,003.4 As a multiple of servicing fee 5.05 March 31, Servicing segment pretax income 225.2$ 75.6$ 57.4$ Average servicing portfolio approximately 15,000 brokers and non - delegated sellers active in the market - 80% 63% 40% 45% 73% 90% 40% 58% 53% 49% 63% 71% 54% 36% 42% 69% 82% 2013 2014 quarter. profitability that has resulted from decreased origination volumes and margins Legal Document: Pennymac Loan Services, Llc v. James A Lorimor, Arwen E - Purchase originations, new products, second liens - Loss mitigation expertise Government 12,487 11,326 12,351 10,681 10,341 Jumbo - 3 2 7 - Total 22,682$ mortgage lending and servicing-related regulations promulgated by the Consumer Contacts - pfsi.pennymac.com NMLS #. ction business; PFSI earns income from holding and selling or securitizing the sale at fair value and interest income related to EBO loans (3) Consists of Ratios (1) Risk - based Capital Ratio; GNMA has extended the mandatory For servicing on your existing mortgage account with Pennymac. Changes and Offsets ($ in millions) - PFSI seeks to moderate the impact of over 4,000 people across the country. A LEADING RESIDENTIAL MORTGAGE REIT # 5 Note: All figures are for PFSI and $338.1 million in servicing fees, which were up from the prior quarter due to (example, Find and verify PennyMac Loan Services, LLC employee emails, phone numbers, social links, and more in the PennyMac Financial's own account, fulfillment services on behalf of PMT and Decrease in delinquency rates from the prior quarter, consistent with typical Broker Direct (UPB in billions) Consumer Direct (UPB in billions) April 2023 P.O. Weighted Average DTI Weighted Average FICO Weighted Average DTI CREDIT 10,647$ 7,507$ 7,588$ Conventional Conforming - for PFSI - - - 4,747 3,781 30-year fixed rate mortgage 4.7% 5.7% 6.7% 6.4% 6.3% Secondary mortgage rate 3043 Townsgate Road Trade/service marks are the property of PennyMac Loan Services, LLC and/or its subsidiaries or affiliates. These 3 indicators could have the answer, AMC CEO slams Robinhood over alert wrongly claiming theater chain had filed for bankruptcy. projected herein and from past results discussed herein. time. kristyn.clark@pennymac.com Isaac Garden Alluvium Corporation. PennyMac Loan Services, LLC - contactout.com Capital Return Shares repurchased 0.8mm Dividend per common share $0.20 Pretax 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 10-Year Treasury Yield Proven ability to generate (1) (1) Inside Mortgage Finance; includes volumes fulfilled for PMT TOP Strong of other participants - Funding volumes were up from 4Q22 despite the overall Pennymac Loan Services, LLC - Better Business Bureau All reviews/comments are subject to the disclaimer provided prior to posting and become the property of PennyMac once submitted. Rhode Island Licensed Lender # 20092600LL, Loan Broker, and Third Party Loan Servicer. ", Great email tool. servicing activities. PennyMac Financial Services, Inc. is a specialty financial services firm focused We also strengthened our balance Information, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services, LLC. Financial Protection Bureau and its enforcement of these regulations; our NMLS # 252869 (NMLS Consumer Access). Colorado office: 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552. New platform for loan numbers starting with 619-XXX, Want to become an approved partner? Licensed Mortgage Banker-NYS Department of Financial Services. aggregator in the U.S. PFSI launched proprietary, cloud - based Servicing 3043 Townsgate Rd Ste 200, Westlake Village, CA 91361-3027. and the statements made in this press release are current as of the date of this access to purchase market Positive and consistent execution for brokers Internet owned portfolio (1) 5.4% 4.8% Actual CPR - sub-serviced (2) 4.4% 3.9% UPB of All other marks contained herein are the property of their respective owners. NMLS ID # 35953 (www.nmlsconsumeraccess.org). On April 27, 2023, PennyMac Financial Services, Inc. (the "Company") issued a Is there a problem with this press release? 2.0% 2.2% 2019 2020 2021 2022 1Q23LTM 15.3% 17.7% 16.7% 15.0% 17.1% 2019 2020 Supporting you with the best tools and technology, best practice sharing and the most dedicated customer service team in the industry. r ability to detect misconduct and fraud; our ability to mitigate cybersecurity 6,471 297 192.3 82% 894 358 32.0 30% 1,398 323 45.2 48% Other (3) n/a n/a (19.5) undersigned hereunto duly authorized. GSE credit risk transfer investments MSR investments Investments in prime non - 20500 Belshaw Ave. Carson, CA 90746. management team has created a robust corporate governance system centered on Pennymac Loan Services LLC | Better Business Bureau Profile Rate: 5.85% Average Note Rate: 5.91% PFSI's ROE is projected to trend toward its driven primarily by timing of revenue and loan origination expense recognition, We reserve the right to validate, remove or republish your reviews/comments at any time.Equal Housing Opportunity 2019 PennyMac Loan Services, LLC, 3043 Townsgate Road, Suite 200, Westlake Village, CA 91361, 818-224-7442. $2.3 $1.7 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023E U.S. was driven primarily by the aforementioned decrease in servicing expenses and Licensed Mortgage Banker-NYS Department of Financial Services. compliance and operating systems Operating platform has been developed onal low in 4Q22 - Earnings on custodial balances and deposits increased from 2023 (in millions) (1) 6% 30% Requirement PLS 6% 36% 41% Requirement PLS RBCR $1.8 $1.6 $1.3 $1.5 $2.6 $0.7 $0.4 $0.6 $4.4 $2.3 $1.7 $2.1 2021 2022 2023E expectations. slightly from December 31, 2022 and down 11 percent from March 31, 2022. Search for your loan to make sure we have your current insurance information. results and o perations for any future period may vary materially from those Evaluating additional partnerships and revenue opportunities 7 - $1.2 billion in Interest expense (31.2) (2.5) (59.7) (4.4) (72.5) (5.2) Pretax income excluding Lower fulfillment fees Q/Q due to the increased purchases of certain disclosure has limitations as an analytical tool and should not be viewed as a These services include, but are not limited with borrowers to ensure we can converse with them how they want and when they management 13 - year track record 2.3 million customers $98 billion in LTM 1Q23, [[Image Removed]] secured term loan from our GMSR financing vehicle at attractive pricing. revenue from servicing and sub - servicing fees in 2022 - Higher short - term ADJUSTED EBITDA RECONCILED TO NET INCOME 32 ($ in millions) 1Q22 4Q22 1Q23 Net My M.A.C. The table below details PennyMac Financial's servicing portfolio UPB: PennyMac Financial manages PMT for which it earns base management fees and may (EDGAR Online via COMTEX) -- fair value changes and hedging impact to EPS $(0.59) Total servicing portfolio excludes distressed loan investments (3) UPB of completed modifications includes billion of which was fee-based fulfillment activity for PMT. number of an organization near you, please call 211 or visit www.oregonhomeownersupport.gov. 26,459$, [[Image Removed]] Send email campaigns. investors (3) Excludes loans held for sale at fair value Segment UPB ($ in Pennymac TPO is committed to the wholesale channel, supporting Broker and Non-Delegated Correspondent Partners through our long-standing industry expertise and resources. critical for success Note: All figures are for PFSI and include volume fulfilled - $6.1 million of reversals related to provisions for losses on active loans, "In one of the most challenging mortgage origination markets in recent history, correspondent, broker direct and consumer direct channels - Correspondent and Exhibit 99.2, respectively. 0.0% 1 10.0% 3 271 $73 749 16% 16% 0.0% Grand Total $321.3 100.0% 1,423 3.5% 33 or activity in the U.S. housing market; the continually changing federal, state organically and is highly scalable Commitment to strong corporate governance, states and other jurisdictions applicable to our business, to which our bank Other restrictions may apply. #130 Thousand Oaks, CA 91362 Request a Call Lock Desk Holiday Hours Early Close: Portal will have normal lock hours, but phone support will close at 3pm PT. Email: PFSI_IR@pnmac.com, Computershare loans that PFSI services provides significant refinance opportunities for Case - Shiller U.S. National Home Price NSA Index ( SPCSUSA); data is as of consumer direct origination of conventional and government - insured loans LOAN 1Q23 1Q22 2Q22 3Q22 4Q22 1Q23 Government-insured 708 700 680 680 663 origination market, broker represented 15%, and retail represented 59%; loan However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. Contact our customer service team with any inquiries by sending us a message through the Message Center by simply logging in to your account. 3,744$ 2,330$ 1,110$ 1,057$ Total acquisitions/originations 33,262$ 26,693$ dependence on U.S. government-sponsored entities and changes in their current No performance incentive fees were earned in the first quarter. Pennymac Loan Services, LLC Company Profile - Dun & Bradstreet 108112. government-insured and guaranteed loans purchased out of Ginnie Mae levels; purchase opportunities for mortgage servicing rights and our success in Great product!, Sr. PLS Leverage Ratio $364 $2,090 Requirement PLS $1,074 $6,233 Requirement PLS Contact the source provider Comtex at editorial@comtex.com. Licensed Mortgage Banker-NYS Department of Financial Services. loans over the last twelve months as interest rates increased (1) - Pennymac purchasers or repurchase loans if loans that we originate, acquire, service or compliance and risk management since inception PFSI is well - positioned to PennyMac Loan Services, LLC Attention: Correspondence Unit PO Box 514387 Los Angeles, CA 90051-4387, Notice of Error and Information Requests Only. United States: Carson: 20500 Belshaw Ave: United States: Honolulu: 55 Merchant St #1430: United States: Las Vegas: 10550 W Charleston . capacity to the current market environment. Having difficulty making payments? Loan Services, LLC (PLS), the entity at which these standards are applicable, is The total servicing portfolio grew to $564.5 billion in UPB at March 31, 2023, Revenue from net loan servicing fees included millions) (4) $307 $350 Selected Operational Metrics $518.8 $551.7 $564.5 For these reasons, I am confident in PennyMac Financial's among other things, the Company's financial results, future operations, business Equal Housing Opportunity 2023 PennyMac Loan Services, LLC, 3043 Townsgate Road, Suite 200, Westlake Village, CA 91361, 818-224-7442. meet certain criteria or characteristics or under other circumstances; our This is not a commitment to lend. itself as a best-in-class mortgage company," said Chairman and CEO David 40% of total locks in 4Q22 - $422 million or approximately 87% of total purchase Conventional Conforming 4,553$ 2,246$ 1,198 489$ 365$ Government 3,669 1,492 PennyMac Financial's owned MSR portfolio grew to disclosure has limitations as an analytical tool and should not be viewed as a and local laws and regulations applicable to the highly regulated industry in With the ability to customize a loan to the exact month and fine-tune pricing to the .001%, you can be confident your borrower will get the Perfect Rate and Perfect Term for their situation. servicing portfolio Loan Production 3 rd largest in the U.S. (1) Loan Servicing For more information, review Pennymacs state licenses and important notices. portfolio growth while generating additional opportunities for consumer direct - EVP, Investor Relations, (818) 264-4907 consumers , brokers and correspondent partners with the liquidity, tools and buyouts of delinquent loans from Ginnie Mae pools during the period (5) Also (01-2023), We are happy to answer your questions about PFSI, 2021 Corporate Sustainability and ESG Report, Pennymacs state licenses and important notices. MSR fair value losses, from $75.6 million in the prior quarter and $225.2 million in the first quarter and other income 4.8 0.4 60.8 4.5 65.9 4.7 Realization of MSR cash flows (111.2) UPB (1)(2) $564bn Total loan acquisitions and originations (1) Consumer direct systems before adding significant transaction vol ume s - Highly experienced rates driving increased placement fee income - Cloud - based servicing system banking technology provide an exceptional loan o rigination experience for our related to the subsequent sale and securitization of loans in the secondary 20 PENNYMAC IS AN ESTABLISHED LEADER IN THE U.S. MORTGAGE MARKET WITH provisions for income taxes 234.5 67.7 38.1 Depreciation and amortization 7.0 Without these insurance updates, coverage lapses may occur causing hardships on borrowers. 94% of acquisitions, up from 93% in 4Q22 - Correspondent volume drives servicing (05-2023), Privacy Policy|Terms of Use|Correspondent Group, Pennymacs state licenses and important notices. 9,112$ 4,326$ 3,804$ 1,684$ 2,199$ Total locks 35,320$ 28,956$ 28,668$ 26,639$ effectively identify, manage and hedge our credit, interest rate, prepayment, PennyMac Loan Services, LLC contact details Website http://www.pennymacusa.com Employees 1,001-5,000 View all Industry financial services Location 3043 Townsgate Road, Suite 200,Westlake Village,California,United States PennyMac Loan Services, LLC Management & Employee Directory Kimberly Nichols Thursday, April 27, 2023. are not subject; foreclosure delays and changes in foreclosure practices; For licensing information go to www.nmlsconsumeraccess.org. NMLS ID # 35953 (www.nmlsconsumeraccess.org). 3/31/22 6/30/22 9/30/22 12/31/22 3/31/23 10-year Treasury bond yield 2.3% 3.0% assist in the fulfillment of, fail to meet certain criteria or characteristics Contact Us: We Are Here to Help You | Pennymac from time to time. PENNYMAC - National Home Mortgage Lender mortgage markets for PMT. (800) 947-1421 or you may submit by mail to the following address: PennyMac Loan Services, LLC Attn: Loan Modification Escalation Unit, P.O. development and process design Added servicing leadership for prime portfolio fr om any noncompliance with the laws and regulations applicable to our 235.6$ 100% 45 106.6$ 100% 40 94.4$ 100% Production expenses (less Loan Pennymac Loan Services, LLC Website Get a D&B Hoovers Free Trial Overview Company Description:Pinching pennies is one way to turn a tarnished economic situation into gold. effective tax rate of 20.4 percent during the quarter. in private opportunity funds PMT formed in an initial public offering raising results $(43)mm Pretax income excluding valuation - related items (3) $94mm MSR Pennymac Loan Services, LLC Business Profile Pennymac Loan Services, LLC Mortgage Lenders Headquarters Multi Location Business Find locations Contact Information 3043 Townsgate Rd Ste 200. These gains were up from $17.2 million in the prior which we operate; lawsuits or governmental actions that may result from any debt-to-equity Total debt-to-equity, [[Image Removed]] Tangible net worth excludes capitalized software $500mm 5.750% due September life's aspirations 2022 2018 Expanded capital structure with issuance of $680 Los Angeles, CA 90030-0597. Pretax income for the Investment Management segment was $0.3 million, down from volume fulfilled or subserviced for PMT (1) Historical market share estimates noncompliance with the laws and regulations applicable to our business; the Facebook. $200 billion in UPB (1) PFSI issued inaugural $650 million of unsecured Senior WESTLAKE VILLAGE, Calif. - April 27, 2023 - PennyMac Financial Services, Inc. (NYSE: PFSI) today reported net income of $30.4 million for the first quarter of 2023, or $0.57 per share on a diluted . PennyMac Loan Services is part of the Banking industry, and located in California . percent from the first quarter of 2022. in vestment strategies, as well as industry and market conditions, all of which Some products and programs may not be available in all states. portfolio Correspondent Broker Direct Consumer Direct, [[Image Removed]] Add Hours (800) 777-4001 Add Website Map & Directions PO Box 514387Los Angeles, CA 90051 Write a Review Is this your business? This website may include combined information from PennyMac Financial Services, Inc. ("PFSI") and PennyMac Mortgage Investment Trust ("PMT") collectively Pennymac. industry in which we operate; lawsuits or governmental actions that may result products they need to succeed 3 producer of residential mortgage loans in 2022 with a strong orientation towards purchase money mortgages. Jennifer Godoy has been working as a Specialist I at PennyMac Loan Services for 5 years. North Carolina Permit No. 22,410$ 22,999$ 22,941$ 21,709$ Broker Direct Locks Conventional Conforming (c) 1995-2023 Cybernet Data Systems, Inc. All Rights Reserved. Legal Document: PENNYMAC LOAN SERVICES, LLC vs JOHN DOE AND JANE DOE unless othe rwi se noted (1) Inside Mortgage Finance for the 12 months ended BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met. As of March 31, 2023, PennyMac Financial serviced loans totaling It requires the least amount of effort to help find information needed. Fundings Locks Locks: (UPB in billions) $6.8 Locks: (UPB in billions) $0.9 Broker Direct 2,863 62 17.8 8% 1,466 56 8.2 8% 1,814 76 13.8 15% Consumer Direct volume - Lacks the fixed overhead of the traditional, retail origination model - Supercharge your prospecting on LinkedIn and across the the web. The following table presents a breakdown of net loan servicing fees: Servicing segment revenue included $29.7 million in net gains on loans held for Your personal scorecard tells you where youre at in the program and that you may have access to: POWER+ by Pennymac TPO, our next gen broker portal, was designed and developed using direct feedback from Broker Partners like you to provide you with speed, transparency and control over the mortgage process. table: PennyMac Financial performs fulfillment services for certain conventional plans and investment strategies, as well as industry and market conditions, all Licensed by the N.J. Department of Banking and Insurance. 6,929 17 11.9 13% Total Production revenues (net of Loan origination expense) 76 changes MSR fair value (4) 324.1 82.6 (90.3) Hedging derivatives gains (losses) Licensed by the N.J. Department of Banking and Insurance. This is a secondary market business to business site and not intended for consumer use. On April 27, 2023 a SUMMONS + COMPLAINT was filed involving a dispute between Pennymac Loan Services, Llc, and John Doe And Jane Doe Said Names Being Fictitious, It Being The Intention Of Plaintiff To Designate Any And All Occupants Of Premises Being Foreclosed Herein, Rent-A-Center East, Inc., Michelle Dimarzo, Secretary Of Housing And Urban Development, Johanna Goosey, in the District Court . MSR asset - Creates a natural hedge to production income Customer base of over For more information, review Pennymac's state licenses and important notices. registrant has duly caused this report to be signed on its behalf by the -9% n/a n/a 23.6 22% n/a n/a (10.2) -11% Total PFSI account revenues (net of in the nation. mortga ge modification programs; the licensing and operational requirements of North Carolina Permit No. PennyMac Loan Services, LLC PO Box 30597. Licensed by the N.J. Department of Banking and Insurance. Coupon Index (MTGEFNCL), Bloomberg U.S. home price appreciation: S&P CoreLogic Co-op loans not available. PennyMac Loan Services - Overview, News & Competitors - ZoomInfo In August 2022, the Federal Housing Finance Agency (FHFA) and Ginnie Mae Origination Market (in trillions), [[Image Removed]] PENNYMAC LOAN SERVICES - 107 Reviews - 2285 Corporate Cir, Henderson, Nevada - Mortgage Lenders - Phone Number - Yelp Restaurants Auto Services Financial Services Mortgage Lenders Pennymac Loan Services Pennymac Loan Services 107 reviews Unclaimed Mortgage Lenders Edit Write a review Add photo Photos & videos See all 7 photos Add photo obligation to indemnify third - party purchasers or repurchase loans if loans 11 (1) Expected revenue net of direct origination costs at time of lock (2) Mix 11% 19% 20% 22% 26% 13% 22% 61% 29% 14% 4% 2013 2014 2015 2016 2017 2018 Customize this page. "project," "plan," and other expression s o r words of similar meanings, as well hedge strategy that also considers production - related income - In 1Q23, MSR address the demands of the GSEs, Agencies, regulators and our financing partners billions) Net Portfolio Growth (UPB in billions) (1) Owned portfolio is sale at fair value $650mm 5.375% due October 2025 - Targeted debt - to - equity Interest income was from the prior quarter and 25 percent from the first quarter of 2022. The developer provided this information and may update it over time. servicing and production, including future production and operating expenses; return to profitability in this segment as we enter the typical home buying our organizational structure and certain req uir ements in our charter When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. realization of cash flows $324 $83 ($90) ($218) ($73) $47 $9 ($9) ($20) 1Q22 Our data is compliant with GDPR and USA privacy laws. recognized as a leader in the U.S. residential mortgage industry and employs rounding Interest Rate Lock Commitments Unaudited ($ in millions) 1Q22 2Q22 3Q22 Fannie Mae (4/10/23) estimates (1) (2) (3) (4) Average: 24% 48% 75% 64% 61% 73% PennyMac Loan Services, LLC PO Box 950002 Fort Worth, TX 76155-9802, PennyMac Loan Services, LLC PO Box 5133 Thousand Oaks, CA 91359-5133, 3043 Townsgate Rd, Suite 200 Westlake Village, CA 91361 818.224.7442. Check the appropriate box below if the Form 8-K filing is intended to difficulties inherent in adjusting the size of our operations to reflec t c hedge costs that resulted from higher interest rate volatility. - Overall mortgage delinquency rates decreased from the prior quarter and remain Revolving Bank Financing Lines PFSI'S STRONG BALANCE SHEET AND DIVERSE CAPITAL for additional details; delinqu ency data based on loan count (i.e., not UPB); million, up from $67.2 million in the prior quarter due to higher short-term Recurring fee income business captured over the life of the loan - With higher and to drive scalable growth Correspondent system launches Expanded with a proven ability to allocate resources towards channels with opportunity in than in 1Q23 - Mortgage banking companies with large servicing portfolios and $11.9 million in the first quarter, down 2 percent from the prior quarter and 29 Exchange Act of 1934, or otherwise subject to the liabilities of Section 18, nor Colorado office: 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552. Management's slide presentation will be available in the Investor Relations This press release contains forward-looking statements within the meaning of All reviews/ Are you interested in helping the next generation of homeowners fulfill their dream of home? Download the Pennymac Mobile app from the App Store. PMT) (2) MSR = mortgage servicing rights; UPB = unpaid principal balance, Thanks. results or those anticipated include, but are not limited to: interest rate forbearances; our reliance on PennyMac Mortgage Investment Trust (NYSE: PMT) as We monitor your coverage and will reach out to you, your carrier . Services 2.3M customers $5 64 B unpaid principal balance, [[Image Removed]] decreases in investment management and incentive fees; conflicts of interest in Colorado office: 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552. includes loans sold with servicing released in connection with any asset sales Partner with a lender who cares about your business as much as you do. Net AUM were $2.0 billion as of March 31, 2023, up
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