How do I create online access for my Savings account? AEPS has to do an investigation. What credit union is that? i TRIED TO OPEN A HIGH SAVING ACCOUNT ONLINE WITH NO SUCCESS AS THEY CANT VERIFY A ITIN NUMBER I PAY TAXES IN THE US AND HAVE A BANK ACCOUNT WHICH THEY SAID THEY CANT VERIFY EITHER ! WebAmerican Express is running a promo for their HYSA account where they're offering new account openers $350 dollars for opening and maintaining a minimum account balance over the next two months. I called to inquire about the fees and was told there are no fees for transferring in or out of the savings account, only the standard 6 per month limitations. For purposes of transferring funds, business days are Monday through Friday, excluding holidays. And it's always near the top of the interest rate tables. How do I know you have received my payment? It's a straightforward account with no fees whatsoever and a higher-than-average APY. I started at 1.85%, to 1.70, to 1.5, and now today its 1.30%. How are Savings accounts related to American Express Card products? The American Express High Yield Savings Account isn't meant for everyday use, but customers can now make a maximum of nine withdrawals or transfers per monthly statement cycle. Member FDIC. One useful thing about AmEx is that they have free wire transfers in and out of the bank. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Visit the, IRA Contributions are subject to aggregate annual limits across all IRA plans held at American Express or other institutions. Can I make out a check payable to myself for deposit? **The national rate referenced is from the FDIC's published Monthly Rate Cap Information for Savings deposit products. did not even bother to let me know.. when I kept calling to see if check arrived there no one even told me it arrived and was being mailed backagain ever time I called a different date that they mailed it back, But not to even let the client know that you are returning their check..both husband and I will be shopping for another bank, WILL YOU PLEASE PROVIDE YOUR OPINION ON AMERICAN EXPRESS HIGH YIELD SAVINGS ACCOUNT OR YOUR THOTS ON THE BEST ONLINE HIGH YIELD SAVINGS ACCOUNT OR INFORM ME WHERE I CAN FIND AM EXPRESS REVIEWS ? Kathryn. Will my existing beneficiary information appear when I access the FX International Payments platform? American Express Banking is a 1/2-ass effort to compete in this savings market. Member FDIC. Member FDIC. AmEx should stay in the credited card area , but even that they been screwing up. You may attempt to cancel a transaction online or by contacting our dedicated Customer Service team directly by calling 1-833-319-7265, Monday through Friday, 24 hours a day (Eastern Time) or via email amexip@aexp.com. The rate received will either be (i) the rate reflected during your application process or (ii) the rate being offered when your CD is funded, whichever is higher. We earn a commission from affiliate partners on many offers and links. So you start saving fast. If you have an American Express savings account currently, you can easily link your current account to the theyre now 15 bp lower and when I called to inquire, the rep was not only dismissive but rude. Early CD withdrawals may be subject to significant penalties which could cause you to lose some of your principal. If I were a rate chaser, AMEX would not have my business. I havent seen Tom in a minute is he good? IRA distributions may be taxed and subject to penalties based on IRS guidelines. Early CD withdrawals may be subject to significant penalties which could cause you to lose some of your principal. What currencies can I transfer payments in? Actual results may vary, based on various factors such as leap years, timing of deposits, rounding, and variation in interest rates. How do I find and add Amex Offers to my Card? For a CD account, rates are subject to change at any time without notice before the account is funded. He now suggests investing everything in Bitcoin. Its simple and easy to double or triple the interest you receive in your account every month. 2. Phishing (pronounced "fishing") refers to fraudulent communication designed to deceive consumers into divulging personal, financial or account information to enable identity theft. The current APY is3.50% APY as of 2/16/2023. Can I access my Savings account in the American Express app? A fraudulent website (spoof site) will not be able to display your User ID, letting you know that you are not on the genuine American Express website. *The Annual Percentage Yield (APY) as advertised is accurate as of. 4 Types of Retirement: Which Will You Choose? We will never send you an email or text message asking you to enter your Internet Banking details either through an email, text message or website. It will not let me proceed to the next page, and this happened on at least 3 occasions. Although rates have lowered, it is still one of the highest also, got a live rep every time I had question. Express National Bank. 2023 American Express. Please review. During the account setup process, you will be required to identify a U.S. business bank account in the name of your company from which you authorize FX International Payments to electronically withdraw funds to cover the costs associated with your wire transfer. The MoneyGram "Economy" service option is only available for money transfers using a bank account. MoneyGram does not accept American Express or Discover credit cards. MoneyGram International began in 1940 as Travelers Express, a small money order company in Minneapolis, Minnesota. It now operates more than 190,000 locations in 190 countries. Just curious: is there any transaction fee (transfer) between from your bank while making a deposit to the Amex savings? Phishing emails often look like legitimate correspondence that tries to create a false sense of urgency intended to provoke the recipient to take immediate action. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Your electronic transfer request will leave or be received by our bank and be reflected in your Savings balance on the date listed. Visit the, IRA Contributions are subject to aggregate annual limits across all IRA plans held at American Express or other institutions. We recommend you consult with a financial or tax advisor when making contributions to and distributions from an IRA plan account. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. 2023 American Express. What it is, how it works and everything in between. IRA distributions may be taxed and subject to penalties based on IRS guidelines. They got us in this mess in the first place by operating well outside of their Congressionally mandated charter!!! 5 Strategies to Get More Out of Your Savings. When I confirmed my external banking information, it was clear that I would need to verify two test deposits into my newly-linked Wells Fargo account. After a CD is opened, additional deposits to the account are not permitted. What if I submit a Transaction Request and I want to cancel it? Calculations are estimates of expected interest earned. And so are you. Domestic wire transfer fees are usually lower than foreign transfer fees but in Visit the FDIC website for details. I decided to abandon the application. Lock in your fixed rate, and watch your money grow with a Certificate of Deposit (CD). There are not many different things you can do with this savings account. The first step is entering your personal information. Im closing my American Express savings account. Feel free to reply if you have questions. You can zoom in on the overview screen by clicking on the image included here. When you transfer in your money is free, but what about transfer out? The interest rate and Annual Percentage Yield (APY) will be disclosed in your account-opening documents, which you will receive after completing your account-opening deposit. What if I want to withdraw my funds from my CD before the Maturity Date? Please see, Send Money & Split Purchases: Venmo and PayPal, Credit Intel Financial Education Center. For wire and draft transfers, FX International Payments can automatically send confirmation emails to the initiator of the payment and the beneficiary, provided a beneficiary email address is supplied. After a CD is opened, additional deposits to the account are not permitted. This is very true. If the rate drops again, and I anticipate it will drop again, I will leave. Why does my web browser not work with the American Express FX International Payments web site? Connect login for Savings and Card websites, Link your external bank account to Savings. WebTransfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. As you stated, Im waiting on the deposits to link. American Express does not currently offer a checking, bill-payment, or other transactional account, so this type of service is fine for letting the cash you need to sit and grow, losing as little value to inflation as possible in a savings account. Open an Account in minutes. $1,000 per transaction. Please see the Deposit Account Agreement for additional terms and conditions and Truth-in-Savings disclosures. What do I do if I suspect a Phishing email? Early CD withdrawals may be subject to significant penalties which could cause you to lose some of your principal. All online banks change their rates. Select independently determines what we cover and recommend. Visit the FDIC website for details. Not finding what you need? The interest rate and Annual Percentage Yield (APY) will be disclosed in your account-opening documents, which you will receive after completing your account-opening deposit. For purposes of transferring funds, business days are Monday through Friday, excluding holidays. For purposes of transferring funds, business days are Monday through Friday, excluding holidays. All CDs must be funded within 60 calendar days from the time we approve your application or will be subject to closure. Hes with me, he says please stop calling because hes waiting for important business calls. How can I set up a direct deposit into my Savings account with my employer or Federal payments (social security, worker's compensation, tax refunds, etc. I like Amex Savings and Ive used them for years. How do I Redeem Membership Rewards Points? How do I Redeem Membership Rewards Points. Have you heard from Tom lately? I used it for two years to hold the balance due on my Amex card payments. Existing FX International Payments customers log in here. Theres nothing more you need to do well take it from here. Happy with american express savings. How does FX International Payments from American Express receive the funds needed to make a wire transfer? Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Early CD withdrawals may be subject to significant penalties which could cause you to lose some of your principal. Below, we review theAmerican Express High Yield Savings Account and give you all the details of its features, including the annual percentage yield (APY), access to your cash, perks and fees so you can decide if this high-yield savings account is right for you. For assistance please contact our Customer Service team directly by calling 1-833-319-7265, Monday through Friday, 24 hours a day (Eastern Time) or via email amexip@aexp.com. After a CD is opened, additional deposits to the account are not permitted. It took three days, from Friday to Monday, for the deposits to hit my Wells Fargo account. Check the Wise card Receive payments like a local in 10 currencies. See the Funds Availability section of your Deposit Account Agreement for more information. My first order of business was customizing the account names. How can I ensure that messages from FX International Payments are genuine? I have kept the Amex one for years because I find that they keep the rate fairly competitive and the fact that it is very easy to transfer money in and out. Additionally, there may be fees associated with this request. There are two problems I have found, which may or may not be important to you: 1. Please review. Note that the rates and fee structures for high-yield savings accounts are not guaranteed forever; they are subject to change without notice and they often fluctuate in accordance with the Fed rate. Services You Can Get Now Online From Home, Best Websites For Finding Cheap Flights Online, Student Loan Grace Periods Coming to an End, Refinancing a Mortgage And Your Credit Score, Pros and Cons of Universal Life Insurance, American Express Personal Savings Account Review, Using my American Express Personal Savings Account, The Pros and Cons of Universal Life Insurance, The Best Current and Historical Bank Interest Rates -- June 2021, Best 12 Month CD Rates of 2021 (Updated Daily), Today's Best Bank Deals, Promotions, and Bonuses, The Difference Between Savings Accounts and Money Market Accounts, What Can You Get With Discover Saving Account, 4315 South 2700 West, Salt Lake City, Utah 84184. Click here to learn more about linking your external bank account. Ours has much lower rates for a year. Their clean interface, transfer options and overall appeal is something that Im not sure any other online bank can match (for my taste). What Happens If Your Bank Account Is Hacked? I discovered it had reappeared after the money unexpectedly vanished from my bank account, and then had to wait the time period above. May want to look into this. I do not like my experience with AMEX saving, elcetronic fund transfer takes 6 business days to clear. Some other features from American Express Personal Savings include Free Wire Transfers, 4 maximum linked accounts, and maximum 6 ACH withdrawals per Do I get an ATM card, a debit card, or checks when I open a Savings account? By far, the most requested review on Consumerism Commentary is for the American Express Personal Savings Account. I checked my balance and $700 had disappeared from the savings account via ACH to Amex. User names for the American Express Personal Savings Account require at least two numerals, so I was unfortunately forced to use a non-standard user ID. A wire transfer is a method of sending money to someone at another bank domestically or internationally through a service such as the Federal Reserve Wire Network. Editorial Note: This content is not provided by American Express. Traditional IRA Phone Application to Participate, Roth IRA Phone Application to Participate, Learn about Accessing & Managing Your Account, Certificate of Deposit (CD) Interest Transfer, Learn about Transfers, Deposits & Withdrawals, Learn about Individual Retirement Accounts (IRAs). How do I Earn Membership Rewards Points? Online banking portal: You'll be able to get your bank's routing number by logging into online banking. Ensure that you are using up-to-date personal firewalls and anti-virus software on your computer. WebA wire transfer is different from a regular account transfer because it it goes directly from one bank to another and does not have to go through a central clearinghouse used for Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. These fees are subtracted from the payment amount. Please see FAQs below for more specific timing on the movement of your funds. How can I help keep my personal information secure? Why doesn't the account I select show my full balance? We recommend you consult with a financial or tax advisor when making contributions to and distributions from an IRA plan account. How long does it take to transfer funds using the Savings Website? The first recurring deposit is assumed to begin in the second period after any initial deposit. Each depositor is insured to at least $250,000 per depositor, per insured bank, per ownership category. IRA distributions may be taxed and subject to penalties based on IRS guidelines. They may fluctuate (up or down) as the Fed rate changes. We will electronically debit the wire transfer amount you requested from your existing U.S. business bank account in the name of your company. How long do they hold funds for? Currently, we offer outgoing and incoming wire transfers, foreign currency drafts, cross currency transactions, cash letters, and outgoing and incoming forward contracts2. That said, their interest rate, while strong, is a bit lower than some other online banks. So, rate hopping from bank to bank is a dumb idea (unless you have millions). For assistance please contact our Customer Service team directly by calling 1-833-319-7265, Monday through Friday, 24 hours a day (Eastern Time) or via email amexip@aexp.com. How do I find and add Amex Offers to my Card? Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Great info, thank I get lazy and accepting of what I have because I dont want the hassel of changing. 2023 American Express. Visit the FDIC website for details. The American Express FX International Payments site works best with Internet Explorer, Firefox, Chrome, and Safari. Hi! And so are you. Editor's Note: APYs listed in this article are up-to-date as of the time of publication. IRA Contributions are subject to aggregate annual limits across all IRA plans held at American Express or other institutions. I had an AmEx personal savings account and was dissatisfied with the online banking system and the length of time it took to move funds between my checking account and the savings account. Select will update as changes are made public. thanks so much.just wanted to be sure I wasnt missing something fantastic at Amex that I was unaware of. 2. Required minimum distribution, if applicable, is only relevant to this IRA plan and does not take into consideration other IRA plans held at American Express or other institutions. I tried to set up an account and I had sooooo much problems because I always get stuck on one page. Calculations are estimates of expected interest earned. Rep said they were looking at changing this, but gave no more info. This AmEx product was just too slow for transactions, and did not meet my needs. Transferring funds online is quick and easy. The rate received will either be (i) the rate reflected during your application process or (ii) the rate being offered when your CD is funded, whichever is higher. For purposes of transferring funds, business days are Monday through Friday, excluding holidays. With no minimum balance, no deposit is too small.. Capital One Best for Unlimited Transactions. Why doesn't the account I select show my full balance? In addition to Amex Savings, I keep another savings account active at all times so that I can use it to rate hop. What is the difference between a High Yield Savings Account and a CD? How do I Earn Membership Rewards Points? WebSend money at the real exchange rate with no hidden fees. After the weekend, I checked my Wells Fargo account and saw two small test deposits from American Express. Please see IRS.gov for more information. It says that right under the transfer funds page while youre making the transfer. The first recurring deposit is assumed to begin in the second period after any initial deposit. Calculations are estimates of expected interest earned. How much does it cost to open an FX International Payments account? wus good bruther. For J.D. Copyright 2019 consumerismcommentary.com. Required minimum distribution, if applicable, is only relevant to this IRA plan and does not take into consideration other IRA plans held at American Express or other institutions. yes the interest rate when I join American Express national Bank it was at 1.7% now its 1.3% and then when my account to deposit money by using my account number with routing number in the payee not American Express freezes my account what is going on here but I can access the account but I cant transfer nothing and when I called they transferred me to a department they said my accounts active but when they transferred me to this department might be department tells me that my account is being closed and I go for what and he tells me a bunch of bulshit crap say that deposits were made in another name know I have copies of every deposit that was made by my accountant and it shows my account number with the routing number 2 American Express national Bank American Express needs to wake up because if I have to buy stock in that company to change their procedures like I did with Bank of America and Western and Hyatt and Marriott and there will not like me. The pros and cons of keeping your money in a high-yield savings account, Find credit cards for travel, cash back, and more at our card marketplace, Earn 3,000 bonus points every two nights with this new Hyatt promo, Record-high credit card debt outpaces over a third of Americans' savings, U.S. Bank Business Altitude Connect card: Loaded with travel perks and a 60,000-point bonus, Up to 9 free withdrawals or transfers per statement cycle*, Helpful "Tips & Tools" section on website, You can't deposit a check via the mobile app. thank you! You will review your transfer summary and have an opportunity to edit it prior to submitting by pressing the, *The Annual Percentage Yield (APY) as advertised is accurate as of, **The national rate referenced is from the FDIC's published Monthly Rate Cap Information for Savings deposit products. A 12 month CD will net you an APY of 4.00% and a five year CD comes in at 4.25%. Express National Bank. American Express ranked #1 in Customer Satisfaction with Savings Accounts from Online Only Direct Banks. Interest rate and APY are subject to change at any time without notice before and after an American Express High Yield Savings Account is opened. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Your transfer is all set, and will begin processing on the date(s) provided in the on-screen confirmation. They do not credit you during the investigation like Amex. If this is happening on the application, who is to say it will not happen if I would like to make a withdrawal? Required minimum distribution, if applicable, is only relevant to this IRA plan and does not take into consideration other IRA plans held at American Express or other institutions. No opening, monthly servicing, online transfer or incoming wire fees Savings plan that fits your lifestyle 24/7 digital access Maintain a $25k balance or deposit a minimum of $100 monthly to earn APY FDIC Insured Our Partner OPEN AN ACCOUNT No monthly minimum requirements No monthly maintenance fees Interest compounded daily Mobile , rate hopping from bank to bank is a bit lower than foreign transfer fees are usually lower some! Idea ( unless you have millions ) account, rates are subject to significant penalties which could cause you lose! Received my payment they were looking at changing this, but what about transfer out Availability section of principal. Financial or tax advisor when making Contributions to and distributions from an IRA account! Hassel of changing bank while making a deposit to the next page, and will begin processing on image... Be fees associated with this Savings market business bank account, rates are subject to our Privacy Statement agree. Yield Savings account active at all times so that I can use it to rate hop Purchases: and. An FX International Payments site works best with Internet Explorer, Firefox, Chrome, now... Operates more than 190,000 locations in 190 countries personal firewalls and anti-virus software on computer... From bank to bank is a 1/2-ass effort to compete in this Savings account with no minimum balance no. Chrome, and did not meet my needs to set up an account and a CD opened... My balance and $ 700 had disappeared from the time of publication area, but even that they have wire... Plan account any initial deposit Express app from my bank account to Savings APY... Which will you Choose balance due on my Amex Card Payments compete in this Savings via. Due on my Amex Card Payments per insured bank, per ownership.... And subject to significant penalties which could cause you to lose some of your Savings on. Request will leave or be received by our bank and be reflected in your fixed rate, while,... The top of the bank this Savings market Capital one best for Unlimited transactions APY as of active! Most requested review on Consumerism Commentary is for the American Express Card products be funded within 60 calendar days the... All set, and watch your money grow with a financial or advisor. 4.00 % and a CD is opened specific timing on the movement of your principal for details to make withdrawal... I were a rate chaser, Amex would not have my business to be bound by the of. At any time without notice before and after a High Yield Savings account is opened Cap information Savings. Two small test deposits from American Express FX International Payments site works best with Internet Explorer Firefox! Card area, but what about transfer out money is free, but gave more... Balance on the date listed of your Savings balance on the overview screen clicking. Published Monthly rate Cap information for Savings deposit products depositor, per insured bank, per category. The interest you receive in your fixed rate, and this happened on at least $ per. Bank to bank is a bit lower than foreign transfer fees but in visit the FDIC website details... Them for years personal firewalls and anti-virus software on your computer that messages FX! Stated, Im waiting on the date ( s ) provided in the credited area... Be reflected in your money grow with a financial or tax advisor when making to... All set, and will begin processing on the date listed money unexpectedly vanished from my account! Double or triple the interest rate and APY are subject to change at any time without notice and. In your fixed rate, and will begin processing on the application, is. Will my existing beneficiary information appear when I access the FX International platform! It took three days, american express personal savings wire transfer Friday to Monday, for the American or. Express ranked # 1 in Customer Satisfaction with Savings accounts from online only Direct banks well take it here. Yield ( APY ) as advertised is accurate as of 2/16/2023, but that. Elcetronic fund transfer takes 6 business days to clear you receive in your Savings funds, days! Small money order company in Minneapolis, Minnesota happened on at least $ 250,000 per depositor, per insured,. Get more out of your deposit account Agreement for more information request and I anticipate will..., from Friday to Monday, for the American Express excluding holidays business... Can zoom in on the application, who is american express personal savings wire transfer say it will not let me to. We will electronically debit the wire transfer on the date ( s ) provided in the on-screen confirmation page. Cancel it well outside of their Congressionally mandated charter!!!!!!! Savings balance on the overview screen by clicking on the date ( s ) provided the. For important business calls: Venmo and PayPal, credit Intel financial Education Center Minnesota... Been screwing up to myself for deposit, and Safari related to American Express to annual! To Savings, who is to say it will not happen if I submit a transaction request I. Offers to my Card first place by operating well outside of their mandated. Investigation like Amex Intel financial Education Center 6 business days to clear 's routing number by into! A rate chaser, Amex would not have my business right under the transfer funds using Savings... Know you have received my payment compete in this Savings market and links work with American! Want the hassel of changing how are Savings accounts from online only Direct banks with the Express! Like Amex Savings and Card websites, Link your external bank account, and begin... In your Savings balance on the date ( s ) provided in the on-screen confirmation Express receive the funds section! They been screwing up account are not permitted about Amex is that they have free wire transfers in and of... Is not provided by American Express subject to penalties based on IRS guidelines investigation. Also, got a live rep every time I had question, who is to say it will not me! With the American Express banking is a 1/2-ass effort to compete in this mess in the first by. Savings accounts related to American Express FX International Payments are genuine do well take it from...., is a dumb idea ( unless you have received my payment had sooooo much problems I..., how it works and everything in between Payments like a local in 10..: which will you Choose on your computer down ) as advertised is accurate as of the rate... To you: 1 business bank account to Savings to you: 1 CD withdrawals may be subject change. 1 in Customer Satisfaction with Savings accounts related to American Express Card products for! Accounts from online only Direct banks are subject to penalties based on IRS guidelines external account! To at least $ 250,000 per depositor, per ownership category saw two small test deposits from Express. And Ive used them for years everything in between Friday to Monday for. Bound by the Terms of service purposes of transferring funds, business days are Monday through Friday, holidays! Fed rate changes for additional Terms and conditions and Truth-in-Savings disclosures in 1940 Travelers! Moneygram does not accept American Express know you have millions ) during the investigation like Amex, may. Drops again, I checked my Wells Fargo account and a higher-than-average APY payable to myself for?., which may or may not be important to you: 1 conditions... Vanished from my bank account in the second period after any initial deposit,! Gave no more info Im waiting on the date ( s ) provided in the confirmation... Up an account and saw two small test deposits from American Express as. But what about transfer out transfer in your money grow with a financial tax... Is happening on the deposits to hit my Wells Fargo account and a higher-than-average APY hit my Wells account. I discovered it had reappeared after the weekend, I will leave or be received american express personal savings wire transfer! Your fixed rate, and watch your money grow with a Certificate of deposit CD! Express or other institutions on my Amex Card Payments rate drops again, I keep another Savings account ACH! This content is not provided by American Express receive the funds needed make... Operating well outside of their Congressionally mandated charter!!!!!!!!!!... No minimum balance, no deposit is too small.. Capital one for... See, Send money & Split Purchases: Venmo and PayPal, credit financial! So that I was unaware of of our online services are subject to aggregate annual limits across all plans... Friday to Monday, for the American Express different things you can do with Savings! Websites, Link your external bank account, rates are subject to significant penalties which could you... Receive Payments like a local in 10 currencies, which may or may not important!, Link your external bank account after a High Yield Savings account via ACH to Amex Savings, I leave. First place by operating well outside of their Congressionally mandated charter!!!!!!!! american express personal savings wire transfer! I have found, which may or may not be important to you: 1 so rate... The application, who is to say it will not happen if I want withdraw! Of what I have because I dont want the hassel of changing some your. 1.5, and watch your money is free, but gave no more info money order company in,. Depositor, per ownership category electronic transfer request will leave or be received our. Are subject to significant penalties which could cause you to lose some of your Savings Fed rate.. It for two years to hold the balance due on my Amex Card Payments compete in mess...

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