Supplementary Information Document. The NFU Mutual Portfolio Investment Plan The NFU Mutual Stocks & Shares ISA

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1 Supplementary Information Document The NFU Mutual Portfolio Investment Plan The NFU Mutual Stocks & Shares ISA

2 Supplementary Information Document The NFU Mutual Portfolio Investment Plan The NFU Mutual Stocks & Shares ISA relating to the NFU Mutual Deposit Fund NFU Mutual Gilt and Corporate Bond Fund NFU Mutual UK Equity Income Fund NFU Mutual UK Growth Fund NFU Mutual Global Growth Fund NFU Mutual Global Emerging Markets Fund NFU Mutual Cautious Portfolio Fund NFU Mutual Balanced Portfolio Fund NFU Mutual Adventurous Portfolio Fund

3 Supplementary Information Document Introduction Guide to this document This Supplementary Information Document contains important information, including the terms and conditions of your investment, which will help you decide if you want to make an investment. This document contains general information about all of the funds and investment options we offer. It is intended to compliment the 2-page Key Investor Information Document(s) which sets out the key information, relating to each class of shares, that should be considered before making an investment decision. We will not be able to accept any investments unless we have confirmation that you have received the latest version of the relevant Key Investor Information Document. About us We are N.F.U. Mutual Unit Managers Limited, a wholly owned subsidiary of The National Farmers Union Mutual Insurance Society Limited. We offer a number of funds for sale to retail investors or institutions. Our funds Funds are a way of pooling your money with that of other investors to buy a wider range of investments which are professionally managed. Our funds each form part of one of two open-ended investment companies (OEICs). The companies are authorised by the Financial Services Authority (FSA). Each of the companies funds is divided into shares. The shares can be sold to retail investors or institutions, with the number of shares you hold representing your share of the fund. Each fund s value depends on the value of its investments and can change every working day. This is reflected in the price of shares. Full information about the two OEICs are set out in each company prospectus. The latest versions are dated 1 December They are available on request from NFU Mutual (see How to contact us on page 9) and are on our website at Investment options There are two ways to invest in our funds: 1. Directly (our Portfolio Investment Plan ); and/or 2. Through our stocks and shares individual savings account (our NFU Mutual Stocks & Shares ISA ). available to individual investors and institutional investors only available to individual investors The NFU Mutual OEIC Funds Deposit Fund 1 Gilt and Corporate Bond Fund 2 UK Equity Income Fund UK Growth Fund Global Growth Fund Global Emerging Markets Fund The NFU Mutual Portfolio Funds OEIC Cautious Portfolio Fund An ISA is an indirect way to invest in the funds. When you invest through an ISA, there is no personal income tax or capital gains tax to be paid on income or gains in your ISA investment. There are two sorts of ISA a Cash ISA and a Stocks & Shares ISA. There are various permitted types of investment that can be held in a Stocks & Shares ISA our NFU Mutual Stocks and Shares ISA invests into our funds. In respect of our funds, we act as the authorised fund manager. In respect of the ISA, we act as Account Manager for the NFU Mutual Stocks and Shares ISA. Balanced Portfolio Fund Adventurous Portfolio Fund 1 The Deposit Fund will invest primarily in deposits with bank and building society accounts. Please note the Fund cannot be held in the NFU Mutual Stocks & Shares ISA. 2 The Gilt and Corporate Bond Fund may invest more than 35% of the property of the Fund in Government and public securities issued by or on behalf of or guaranteed by the Government of the United Kingdom, the Government of Northern Ireland, the Government of any EU member state other than the United Kingdom including the Governments of Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Netherlands, Portugal, Spain and Sweden, and the Governments of Australia, Canada, Japan, New Zealand, Norway, Switzerland and the United States of America. Supplementary Information Document Page 1

4 Making an investment with us Who can invest? Direct Investment (our Portfolio Investment Plan) Individuals aged 18 years or over. A trust, company, limited liability partnership or a similar organisation. ISA Investment (our NFU Mutual Stocks & Shares ISA) Individuals aged 18 years or over and UK resident for tax. How can you invest? What is the minimum you can invest? You can invest lump sums and/or regular payments. You can start, stop, restart and change regular payments at any time. There is no fixed term, so you can cash in your investment whenever you wish. You can take withdrawals at any time. The minimum lump sum is currently 1,000. The minimum regular monthly amount to invest in each fund is currently 25. What is the maximum you can invest? There is no maximum investment. For the 2012/13 tax year you can invest up to 11,280. This limit will be reduced by any amount you have paid into a Cash ISA with another provider during the same tax year. How to make payments How is your money invested? Lump sums should be paid by cheque. Regular payments should be paid by monthly direct debit. Your investment will buy shares in the fund or funds that you choose. Each share has a price that we calculate each working day at 9pm. If you invest a lump sum shares will be bought at the first price calculated after we receive and accept your application and cheque at our administration office. If your cheque is post-dated we will use the date of your cheque instead. For regular payments shares will be bought at the price on the date your payment is received. Three of the funds (Gilt and Corporate Bond, UK Growth, and Global Growth) have two classes of shares, A and B, available to investors for direct investment or through the NFU Mutual Stocks and Shares ISA. These used to have different charges but they have been the same since 1 June When you invest class B shares will be issued, unless: You are reinvesting income from Class A shares You increase a regular contribution currently buying Class A shares You switch from Class A shares to a different fund that has Class A shares. We will send you a contract note after your first payment, showing the number of shares bought and the price paid. The value of your investment in each fund is the number of shares multiplied by the share price. As share prices go up and down so will the value of your investment. What are the investment risks? The Key Investor Information Documents for each fund set out the main investment risks of that fund. Our funds have different levels of risk but there is always a risk that you might get back less than you invest. The amount you get back is not guaranteed. It may be lower than your illustration if: You stop or reduce regular payments The investment performance is lower than we illustrated Our charges increase Tax rules change. If you take money out the value of your investment will reduce. How will the shares be held? Since you invest directly, the shares will be held in your name. Since you invest through the ISA we will buy the shares and hold them on your behalf in the name of our nominee. Page 2 Supplementary Information Document

5 Making an investment with us Direct Investment (our Portfolio Investment Plan) ISA Investment (our NFU Mutual Stocks & Shares ISA) How to change your investment choices You can change where your future payments are invested. You can switch between funds by selling shares in one fund and buying shares in another, using the first prices calculated after we receive and accept your request. There is currently no charge for switching. We are permitted to charge, but should we decide to introduce a charge we will give you at least 60 days notice. What is the Move-to-ISA option? It is an option you can choose when you buy shares in the Portfolio Investment Plan. It is only available to individual investors. It allows you to move your yearly ISA allowance easily from the Portfolio Investment Plan to our Stocks & Shares ISA at the start of a new tax year. We will do this for you automatically, but we will write and remind you about it beforehand. More details about how this option works are in the Portfolio Investment Plan Terms and Conditions on page 8. How might your investment grow? Your illustration shows what you might get back. The amount you get back is not guaranteed. If you haven t received an illustration, or you want a personalised one, please call us on How can you check how your investment is doing? We will send you two statements each year in May and November. These will show how many shares you hold and the value of your investment. You can get the daily price of the shares in the OEICs on our website at or by calling us on Can you take income from your investment? You can take income. The Key Investor Information Document for each fund shows when income is paid out. If you choose not to take the income it will be used to buy more shares for you, at the share price that applies on or around 10 working days before the income is paid. How do you take money out? How will taking money out affect your yearly ISA investment limit? You tell us which fund(s) you want to take money from. We will sell the shares at the first price calculated after we receive your request at our administration office. You must take out at least 500 each time. If you do not take out all of your money you must leave a total of at least 1,000 invested and you must leave at least 500 in each of your chosen funds. If you take out all of your money the investment will end. We can send your payment by cheque. If we are asked to transfer the money directly into your bank or building society account, we will only make payment into a UK account. We will not make payments to anyone else, apart from firms regulated by the Financial Services Authority, the Solicitors Regulation Authority or the Law Society of Scotland or Northern Ireland. Once we have received your signed written instructions that you want to take your money out, we will send your payment within four working days. If you take money out of your ISA and have already paid the maximum allowed that tax year, you will not be able to invest any more into it until the next tax year. Supplementary Information Document Page 3

6 Making an investment with us Direct Investment (our Portfolio Investment Plan) ISA Investment (our NFU Mutual Stocks & Shares ISA) The charges taken from the fund and your investment You will pay an initial charge of 3% of each amount you invest (excluding income you reinvest to buy further shares). We may offer a discount on the initial charge. We will deduct a management charge which is calculated daily based on the previous day s value of the fund. The charge is 1.25% each year, except in the Deposit Fund where it is 0.50% each year. The Cautious Portfolio Fund, Global Emerging Markets Fund and the Global Growth Fund will invest in some assets that have their own annual management charges. The effect of these charges is reflected in your illustration. For the Cautious Portfolio Fund, the effect is estimated to be 0.10% per year, for the Global Emerging Markets Fund it is estimated to be 0.04% per year. For the Global Growth Fund it is currently estimated to be 0.00% per year. The funds pay dealing costs when we buy and sell stocks and shares. If there are large amounts of money being paid in or out of a fund we may impose an extra charge. This charge, known as a dilution levy, is explained more fully in the prospectus. We do not currently make any other charges. If we introduce any other charges permitted in the prospectus, we will give you at least 60 days notice. Our prospectus has more detailed information about the charges and expenses. Taxation of the funds We pay tax in line with the current UK tax regime. There may be some taxes which are not paid by us. Stamp Duty Reserve Tax (SDRT) may be payable when we buy and sell your shares. Currently we pay any SDRT due (rather than the funds). Taxation of investors The tax you pay on income or capital gains you receive depends on your personal situation and the fund your money is invested in. If you are unsure about your own tax position, or you are investing on behalf of a company, you should get professional tax advice. The tax payable depends on whether you choose funds which pay dividend income or interest income. The Deposit Fund, and the Gilt and Corporate Bond Fund, pay interest income and the other funds pay dividend income. When you sell or switch some or all of your shares, you could be liable to capital gains tax (including the Move-to-ISA option). You have a yearly allowance which can reduce the amount of capital gains tax you may have to pay, or remove it entirely. If you die inheritance tax may be payable on your investment. You do not pay income tax or capital gains tax on any income of capital growth from your investment. Interest income received by our Gilt and Corporate Bond Fund is subject to 20% UK income tax but we will reclaim this for you. Please note: The value of the tax benefits depends upon individual circumstances. If you die the tax advantages of the ISA end and inheritance tax may be payable on your investment. If you transfer money into this plan from another ISA and then change your mind you could lose the tax advantages on the original investment. The favourable tax treatment of ISAs may change. What happens if you die? Your shares will remain invested until we receive written instructions on what to do from your legal representatives. Page 4 Supplementary Information Document

7 Making an investment with us The checks we carry out Direct Investment (our Portfolio Investment Plan) If you are paying from a business account that is not solely or jointly in your name(s) we might carry out security checks to confirm where the money is coming from. We may require additional information about the business, including evidence of identity for anyone who owns 25% or more of the shares in the business, as required under the Money Laundering Regulations. We may refuse to accept payment. ISA Investment (our NFU Mutual Stocks & Shares ISA) We send details of your ISA payments to HM Revenue and Customs so they can identify investors who have broken the ISA rules. You must tell us if you re no longer eligible to invest in an ISA. Supplementary Information Document Page 5

8 Terms and Conditions of the NFU Mutual Stocks & Shares ISA As ISAs are regulated by HM Revenue and Customs (HMRC) we have to include certain provisions in our Terms and Conditions, as set out here. Other terms set out within this Supplementary Information Document and the Key Investor Information Document will also apply. If there is any conflict between the Terms and Conditions and the ISA Regulations, the Regulations will apply. 1. In accordance with the Individual Savings Account Regulations 1998 (the Regulations ) and subsequent amendments to them, N.F.U. Mutual Unit Managers Limited (the Account Manager ) agrees to administer each NFU Mutual Stocks & Shares ISA ( the Account ) in accordance with the following Terms and Conditions. The Terms and Conditions apply from the date of acceptance of a fully completed application form acknowledged in writing by the Account Manager. 2. The Account Manager agrees to invest monies received from an individual account investor (the Account Investor ) in shares of the NFU Mutual OEIC and the NFU Mutual Portfolio Funds OEIC, which are authorised OEICs managed by the Account Manager in accordance with the Prospectus of each OEIC, copies of which are available upon request. 3. Any Certificates or other documents evidencing title to the OEIC shares will be held by and registered in the name of N.F.U. Mutual Unit Managers Limited, a subsidiary of The National Farmers Union Mutual Insurance Society Limited. The Account Investor will, nevertheless, be the beneficial owner of the OEIC shares. The Account Investor must not use their NFU Mutual Stocks and Shares ISA as security for a loan. 4. Investments can be made in one or more lump sum payments by cheque or in regular monthly instalments by direct debit. The maximum investment in any tax year is set out in the Regulations. 5. Upon acceptance by the Account Manager of a fully completed application, shares in the chosen OEIC fund(s) will be allocated to the Account in the name of the Account Investor. In the case of lump sum investments, OEIC shares are allocated at the next valuation of the fund after payment. For regular investments, OEIC shares are allocated on the next selected collection date following authorisation of the direct debit instruction from the Account Investor s bank or building society. Such authorisation can take 14 days. Shares are valued at 9pm on each day that N.F.U. Mutual Unit Managers Limited contracts business. We cannot accept any application from you (including a top-up subscription or an increase to your regular investment arrangements or a switch to another Fund) unless we have confirmation that you have received the latest version of the relevant Key Investor Information Document. 6. The Account Manager will issue Account Statements as at 5 April and 5 October each year. These will show OEIC share valuations, all share allocations and cancellations since the previous statement (including the reinvestment of income tax credits) and the various share transaction prices. In addition, a copy of the latest Account Manager s Short Report will be issued in February and August each year for investments held in the NFU Mutual OEIC and March and September for investments in the NFU Mutual Portfolio Funds OEIC. 7. All claims for tax relief in respect of investments will be made by the Account Manager on behalf of the Account Investor. Income distributions and provisional tax credits are either distributed or automatically used to buy additional OEIC shares on the last business day of February, May, August and November depending on which fund you hold in the NFU Mutual OEIC and March or September for the NFU Mutual Portfolio Funds OEIC. The Account Manager will be repaid for the tax credits when subsequently received from HMRC. 8. Written instructions to the Account Manager for partial withdrawals from the Account can be made at any time, subject to the limits described in How do you take money out? on page 3. If an Account Investor requests a withdrawal of funds, the Account Manager will sell the required number of shares and pay the proceeds to the Account Investor within such time as is stipulated by the Account Investor or, if greater, such reasonable business period (not exceeding 30 days) as the Account Manager requires for the practical implementation of the payment. 9. Written instructions to the Account Manager for a full encashment of the Account must be made at least 14 business days before the next regular instalment (if any) is due for payment in order to prevent that payment being made. If an Account Investor requests a full encashment of funds, the Account Manager will sell the required number of shares and pay the proceeds to the Account Investor within such time as is stipulated by the Account Investor or, if greater, such reasonable business period (not exceeding 30 days) as the Account Manager requires for the practical implementation of the payment. 10. As an alternative to the full or partial withdrawal of funds from the Account, cash can be transferred directly to another authorised ISA manager without affecting the maximum ISA contributions permitted under the Regulations. If an Account Investor requests a transfer of funds, the Account Manager will sell the required number of shares and pay the proceeds to the new ISA Manager within such time as is stipulated by the Account Investor or, if greater, such reasonable business period (not exceeding 30 days) as the Account Manager requires for the practical implementation of the transfer. 11. In the event of the Account Investor s death, dividends or gains in respect of investments in the ISA which arise after the date of death, but before encashment, are not exempt from tax. Page 6 Supplementary Information Document

9 Terms and Conditions of the NFU Mutual Stocks & Shares ISA 12. No fees other than the OEIC charges are currently charged by the Account Manager. For full details please refer to The charges taken from the fund and your investment on page 4. If there are additional or increased costs arising from changes to administration, taxation, regulation or fund management, the Account Manager may levy such reasonable charges against the Account to reflect these. The Account Manager will give the Account Investor at least 60 days written notice before such change. 13. These Terms and Conditions may be amended or terminated by the Account Manager at any time to comply with legal or regulatory requirements, or otherwise by giving written notice at least 30 days before the change, provided such change does not materially prejudice the Account Investor. The Account Manager also undertakes to notify the Account Investor if by reason of any failure to satisfy the provisions of the Regulations, the Account is, or will become, no longer exempt from tax by virtue of the Regulations. 14. The Account Manager may, at its complete discretion, delegate some or all of its functions or responsibilities to a third party, provided it is satisfied with the competence of that third party. However, the Account Manager will remain ultimately responsible for any actions taken by such third party. 17. Account Investors are entitled to inspect all the documents or other records relating to transactions connected with their Accounts at any reasonable time and on payment of a reasonable fee. The Account Manager will be entitled to provide HMRC with full details of the Account at any time and may exercise any of the duties and powers conferred on an Account Manager under the Regulations from time to time. 18. Account Investors are entitled to attend, and vote at, shareholders meetings and will receive appropriate notification of any such meeting and if the Account Investor so elects, a copy of the annual report of the OEIC and accounts. However, Account Investors are not members of The National Farmers Union Mutual Insurance Society Limited and all communications regarding the Account will be in English. These Terms and Conditions are governed by English Law and are subject to the Regulations and other applicable laws and rules. In the event of any conflict between these Terms and Conditions and any such laws, regulations and rules, the latter shall prevail. These Terms and Conditions are only available in English. 15. The Account Investor promises to be responsible for, and to pay the Account Manager when requested, the amount of any losses and/or expenses arising under these Terms and Conditions except for any losses and/or expenses which arise through the negligence or fault of the ISA Manager. The term expenses includes any amount representing tax credits which have been credited to the Account, and which have not been repaid to the Account Manager. 16. In the event that the Account Manager is not able to meet its financial liabilities, the Account Investor may be entitled to compensation under the Financial Services Compensation Scheme. The Account Manager is authorised and regulated by the Financial Services Authority (FSA). In the event of any complaint, it should be made to N.F.U. Mutual Unit Managers Limited at the address given on page 9. If it is not satisfactorily resolved, the complaint can then be addressed to: The Financial Ombudsman Service (FOS) South Quay Plaza 183 Marsh Wall London E14 9SR Supplementary Information Document Page 7

10 Terms and Conditions of the NFU Mutual Portfolio Investment Plan We, N.F.U. Mutual Unit Managers Limited, will manage your NFU Mutual Portfolio Investment Plan in accordance with the following Terms and Conditions. Other terms set out within this Supplementary Information Document and the Key Investor Information Document will also apply. 1. The Terms and Conditions apply from the date of acceptance of a fully completed application form acknowledged in writing by us. We agree to invest monies received from an individual investor ( you, or your, as appropriate) in shares of the NFU Mutual OEIC or the NFU Mutual Portfolio Funds OEIC (the Schemes ), both of which are an authorised OEIC managed by us in accordance with its Prospectus, copies of which are available upon request from our Head Office. We cannot accept any application from you (including a top-up subscription or an increase to your regular investment arrangements or a switch to another Fund) unless we have confirmation that you have received the latest version of the relevant Key Investor Information Document. 2. If you have selected the Move-to-ISA option we will arrange for an amount equal to the relevant year s ISA investment allowance to be transferred into your ISA from your direct investment holding each year. If your direct investment holding is less than the ISA yearly allowance we will transfer your complete direct investment holding. We will write to you each year to let you know what will be happening. Please note that this could give rise to a Capital Gains Tax liability. See Taxation of investors on page 4 Your ISA investment will be made in whichever fund(s) you are invested directly under these terms. If you hold shares in more than one fund directly under these terms, the Move-to-ISA option will move proportionate amounts from each fund into the ISA. Shares in the Deposit Fund will not be moved automatically as the Deposit Fund is not an eligible ISA Investment. The Move-to-ISA option is not available for business or institutional investments. If you have a joint holding under these terms, the ISA will be created for only the first named holder. 3. Investments can be made in one or more lump sum payments by cheque or in regular monthly amounts by direct debit. The minimum investment is shown in What is the minimum you can invest? on page Upon acceptance by us of a fully completed application, we will action your purchase request. In the case of lump sum investments, shares are purchased at the next valuation of the relevant fund after payment. For regular investments, shares are purchased on the next selected collection date following authorisation of the direct debit instruction from your bank or building society. Such authorisation can take 14 days. Shares are valued at 9pm on each day that N.F.U. Mutual Unit Managers Limited contracts business. 5. We will issue statements as at 5 April and 5 October each year. These will show share valuations, all share allocations and cancellations since the previous statement and the various share transaction prices. In addition, a copy of the latest short reports will be issued in February and August each year for investments held in the NFU Mutual OEIC and March and September for investments in the NFU Mutual Portfolio Funds OEIC. 6. Written instructions to us for partial withdrawals can be made at any time, subject to the limits described in How do you take money out? on page Written instructions to us for a full encashment must be made at least 14 business days before the next regular instalment (if any) is due for payment in order to prevent that payment being made. 8. No fees are charged by us other than those disclosed in the prospectus for the Schemes. 9. All investors, being shareholders in the Schemes, are entitled to attend, and vote at, shareholder meetings and will receive appropriate notice of any such meeting. However, shareholders are not members of The National Farmers Union Mutual Insurance Society Limited. 10. These Terms and Conditions may be amended or terminated by us at any time to comply with legal or regulatory requirements, or otherwise by giving written notice at least 30 days before the change, provided such change does not materially prejudice you. 11. In the event that we are not able to meet our financial liabilities, you may be entitled to compensation under the Financial Services Compensation Scheme. We are authorised and regulated by the Financial Services Authority (FSA). In the event of any complaint, it should be made to N.F.U. Mutual Unit Managers Limited at the address given on page 9. If it is not satisfactorily resolved, the complaint can then be addressed to: The Financial Ombudsman Service (FOS) South Quay Plaza 183 Marsh Wall London E14 9SR You are entitled to inspect all the documents or other records relating to transactions connected with your investment at any reasonable time and on payment of a reasonable fee. 13. These Terms and Conditions are governed by English Law and are subject to the Open-Ended Investment Companies Regulations In the event of any conflict between these Terms and Conditions and the Regulations the latter shall prevail. Page 8 Supplementary Information Document

11 Further information Are these products right for you? If you are unsure about whether these products are right for you please speak with your NFU Mutual Financial Adviser or call one of our Telephone Financial Advisers on Our Advisers advise on NFU Mutual products and in special circumstances those of other providers. Can I change my mind? If you change your mind about your investment you can cancel it within 14 days and have your money back, but you could get back less than you have invested. This could happen if you have invested a lump sum and the value of your investment falls. You only get this right to change your mind when you first take out your investment. We will write and tell you when the 14 days starts. If you change your mind, write to us at the address given under How to contact us. If you do not cancel within 14 days, your investment will continue as set out in this Supplementary Information Document. How to contact us Our OEICs and Stocks & Shares ISA are administered by The Bank of New York Mellon (International) Limited. If you want to: change your regular payments get information about your investment s value make a withdrawal, or other claim change your investment choice obtain a free copy of the prospectuses or the annual and half-yearly reports of the OEICs at any time ask any other questions call us on between 8.30am and 5.30pm Monday Friday. We may record telephone calls for training and monitoring, or for security purposes. or write to us at: N.F.U. Mutual Unit Managers Limited BNY Mellon House Ingrave Road Brentwood Essex CM15 8TG Making a complaint If you need to make a complaint, please write to us or call us on , as indicated above, and we will do all we can to resolve the complaint to your satisfaction. If you are not satisfied with our response to a complaint, you can contact: The Financial Ombudsman Service (FOS) South Quay Plaza 183 Marsh Wall London E14 9SR Making a complaint won t affect your legal rights. Law and language used Under English law, people making contracts can choose which law applies. The law of England will apply to your investment, unless you ve agreed otherwise with us before it begins. All our communications with you will be in English. Compensation If we cannot pay claims because of financial difficulties, you may qualify for compensation from the Financial Services Compensation Scheme. You can contact the Financial Services Compensation Scheme for further details on or or Our regulator We are authorised and regulated by the Financial Services Authority (FSA) and are on their register under number You can contact them: Consumer helpline: The North Colonnade Canary Wharf London E14 5HS Supplementary Information Document Page 9

12 Issued by N.F.U. Mutual Unit Managers Limited (No ). Registered in England. Registered Office: Tiddington Road, Stratford upon Avon, Warwickshire, CV37 7BJ. Authorised and Regulated by the Financial Services Authority. A member of the NFU Mutual group of Companies and the Investment Management Association. For security and training purposes, telephone calls may be recorded and monitored. SID/MUMCO/

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