Tasplan Super Insurance Booklet ISSUED JANUARY 2015
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1 Tasplan Super Insurance Booklet ISSUED JANUARY 2015
2 TASPLAN INSURANCE BOOKLET Contact Details Head Office: Level 8, 1 Franklin Wharf Hobart TAS 7000 Postal Address: GPO Box 1547 Hobart TAS 7001 Telephone: info@tasplan.com.au Website: tasplan.com.au Issuer: Tasplan Ltd RSE Licensee L AFS Licence No ABN: (Trustee) Fund Registration Details: ABN: (Tasplan Super) RSE No. R SFN: SPIN: TPN0100AU MySuper Unique Identifier: CONTENTS About Tasplan Super insurance Types of cover offered...3 Cover on joining Tasplan...4 Occupation rating...4 Death and Total & Permanent Disablement What does it cover?...5 Basic Cover...5 Fixed Cover...6 Additional Cover...6 What does it cost?...7 Changing your Death or TPD Cover...7 Income Protection What does it cover?...9 Monthly benefit...10 Waiting and benefit periods...11 Additional benefits...11 What does it cost? Changing your Income Protection Cover...14 Insurance transfers Eligibility criteria...15 How to transfer your cover Cover commencement, termination and reinstatement Applying for cover...16 When will cover commence...16 When cover ends...16 Reinstatement of cover...17 Limitations and exclusions Limited Cover...18 Exclusions...18 Important information Frequently asked questions...19 About the insurer...20 Duty of disclosure...20 Privacy Collection Statement...20 Complaint handling procedures...22 Insurance terms explained Key definitions...23 Schedule of medical condition definitions...27 How much insurance is enough? About this document This booklet forms part of the Tasplan Super Product Disclosure Statement dated January It contains important information about Insurance Cover through Tasplan Super. The Insurance Policy contains the full terms and conditions and copies of the policy are available upon request. A reference to the PDS means the Tasplan Super PDS and this booklet collectively. Any reference throughout this booklet to the Trustee, we or us means Tasplan Limited ABN RSE: L Fund or Tasplan means the superannuation fund known as Tasplan Super (RSE: R ). Any reference to financial advisor means a licensed or appropriately authorised, financial advisor Obtaining up-to-date information The information contained in this booklet is up-to-date at the time of preparation. However, some of the information can change from time to time. We will update the booklet when we become aware of any material adverse change to the information contained in this booklet, or a material omission from the booklet. Updated information is available free of charge from tasplan.com.au/pds or by calling us on Disclaimer The information in this booklet is general information only and does not take into account any person s individual financial objectives, financial situation or needs. We recommend that you speak to a financial advisor if you need any specific advice. The rights of members are ultimately governed by the Trust Deed governing Tasplan and any underlying insurance policies securing death and disablement benefits. Whilst the Trustee has taken all due care in preparation of this booklet, it reserves its right to correct any errors and omissions. If there is any inconsistency between the Trust Deed or insurance policy and this booklet, the Trust Deed and insurance policy (as applicable) will prevail.
3 FIND OUT MORE > Customer Service About Tasplan Super Insurance Most people insure their car, home and contents, but forget their most valuable assets - their life and their ability to earn an income. Insurance cover is an essential part of any financial plan because it protects you and your family in the event of your unexpected death or disablement. This booklet outlines your insurance options with Tasplan and explains the conditions, limitations and exclusions which may apply. Tasplan s insurance is provided by CommInsure (the insurer). Please refer to section 7 for more information about the insurer. You may be eligible for some cover without health checks on joining Tasplan, or you can apply for extra cover at any time by completing an application form which is available at the back of this booklet. If you experience certain life events you may be able to increase your cover without detailed checks. You may also be able to transfer existing cover into Tasplan. Tasplan can provide you with free general advice on insurance within super. If you need more specific or personalised advice, we can refer you to a financial advisor in your area who can help with any aspect of your Tasplan account. If you have any questions, please contact Tasplan s Client Services Team on or info@tasplan.com.au. How much cover do you need? Try our calculator which is available at tasplan.com.au/calculators Cost-effective protection Tasplan insurance is an affordable way to protect you and your family. Some benefits of Tasplan insurance include: Tasplan negotiates with insurers for discounted group rates which means that you generally pay less than you would if you personally applied for cover. The insurance premiums are paid out of your Tasplan account rather than from your pocket. Your premiums are solely to cover the cost of your insurance cover. These are paid in full to the insurer (i.e. Tasplan does not take a cut) and no commissions are paid to Tasplan from the insurer, nor are any commissions paid to advisors. You can apply to increase*, reduce or cancel your insurance at any time to suit your needs. *Please note health information will usually need to accompany your application. Types of cover offered Tasplan offers competitive Death Only, Death and Total & Permanent Disablement (TPD) and Income Protection Cover. Death What is it? Who may be eligible for cover? Why do I need it? Death Only insurance cover can provide dependants with a lump sum benefit of up to $5 million if you die or become terminally ill while covered under the Fund s policy. Members of Tasplan aged 15 or older and less than 70. In the event of your death: You want to relieve your family of debt. You want to secure your family s financial future. Total and Permanent Disablement (TPD) What is it? Who may be eligible for cover? Why do I need it? Total and Permanent Disablement (TPD) insurance cover provides you with a lump sum benefit of up to $2 million paid in the event of your TPD. Members of Tasplan aged 15 or older and less than 65. In the event of your total and permanent disablement: You want to secure your family s financial future. You want to cover the increased medical expenses associated with your sickness or injury without exhausting your retirement savings. You want sufficient money to be able to modify your home or car and buy any medical equipment needed to cope with your disability. 3
4 TASPLAN INSURANCE BOOKLET 1About Tasplan Super Insurance Income Protection What is it? Who may be eligible for cover? Why do I need it? A replacement income when you are unable to work at full capacity or at all, due to sickness or injury. It can replace up to 85% of your monthly employment or net business income if you can t work due to sickness or injury (up to $20,000 or $25,000 per month depending on the benefit period). Up to 75% will be paid directly to you and 10% will be contributed to your account with Tasplan. Members of Tasplan aged 15 or older and less than 65 who at the time of application reside in Australia. In the event you cannot work because of sickness or injury: To help protect the income you earn and the lifestyle you live especially if you have a family. So you don t need to rely on just your savings, your family, or the public health system in the event of sickness or accident. Cover on joining Tasplan Death and TPD If you meet certain eligibility criteria, you may automatically be provided with Basic Cover for Death and TPD. You may also be able to apply for some Fixed Cover without detailed health checks within 90 days of joining Tasplan. If you are not eligible for Basic Cover on joining Tasplan, or you just wish to increase your cover, you can apply for Additional Cover. Please refer to section 2 for more information on Death and TPD Cover. Income Protection Income Protection is not automatically provided when you join Tasplan. The type and amount of this cover you can apply for depends on your circumstances and requirements. You can find out more about Income Protection Cover in section 3. Occupation rating The type of work you do will determine your occupation rating. Generally, the riskier your job, the more you pay for insurance. Tasplan s three occupational ratings are: General - all members not otherwise classified as a White Collar or Professional member. White Collar - duties must be limited to professional, managerial, administrative, clerical, secretarial or similar white collar tasks which do not involve manual work, and are undertaken entirely within an office environment (noting that travel from one workplace to another does not prevent you from meeting this definition). Professional - is a White Collar member; and - earns over $80,000 p.a. from their profession; and - either: -- has a tertiary qualification; -- is a member of a professional institute or registered by a Government body; or -- is employed in a senior managerial role. If you don t advise us what work you do, your occupation rating will be General. You can advise us of your occupation rating on joining Tasplan, or by completing an Occupational Rating form which is available at tasplan.com.au/forms. If you change jobs or duties and your occupation rating changes, it is your responsibility to advise Tasplan so that your premium and cover can be adjusted accordingly. Uncertain about your occupation rating? Please document your employment activities and a request to info@tasplan.com.au for an official review. 4
5 FIND OUT MORE > Customer Service Death and Total & Permanent Disablement What does it cover? You can choose between: Death & TPD Cover Offers protection for death, Terminal Illness and permanent disablement. Death Only Cover Offers protection for death and Terminal Illness only. While Death & TPD offers broader protection than Death Only Cover, it does come at an additional cost. Tasplan s Death & TPD cover provides the following protection: Death Death insurance cover provides your dependants, nominated beneficiaries or your estate with a benefit if you die while covered by Tasplan insurance. Terminal Illness If you are diagnosed with a Terminal Illness that is likely to result in your death within 12 months, you may be eligible to receive your death benefit sooner. This is included with any Death insurance cover at no additional cost. TPD TPD Cover provides a lump sum benefit in the event that you become Totally and Permanently Disabled, are unlikely to return to work as a result of a sickness or injury, and you meet the TPD definition relevant to your circumstances under the policy. Higher Death Cover If your Death Only Cover is higher than your Death & TPD Cover and you receive a TPD benefit, you can choose to keep your remaining Death Only Cover in force by keeping your account open and continuing to pay the premiums associated with this cover. Interim Accident If you apply for cover, or apply for an increase in cover that requires acceptance by the insurer, you will receive Accidental Death or Accidental Death & TPD Cover while your application is being considered. More information on what s covered Please refer to section 8 for important information about these types of cover. Basic Cover If your employer starts making Super Guarantee contributions into Tasplan on your behalf (i.e. you have a participating employer ), you may automatically be provided with Basic Cover up to your age-based Automatic Acceptance Limit (AAL). Otherwise, you will need to submit an application and provide health evidence which is acceptable to the insurer. If you are eligible for Basic Cover but: are 65 years of age or more; or if you have had a TPD claim admitted, or are eligible to receive a TPD benefit, from Tasplan, another super fund or life insurance policy; you will only be eligible for Death Only Cover. You will not be eligible for Death & TPD Basic Cover. If your first employer contribution is received by Tasplan within 120 days of you commencing employment with your employer, you will be provided with Basic Cover on the date you commenced employment, provided your employer was a participating employer at that date, otherwise on such later date that they become a participating employer. If you are unsure if your employer is a participating employer of Tasplan, you should check with us. If your first employer contribution is received by Tasplan more than 120 days after you commenced employment with your employer, then your Basic Cover will be Limited Cover. Your Basic Cover start date will be 120 days prior to the date your first employer contribution is received by Tasplan. Limited Cover will continue until such time as the underwriting requirements of the insurer have been met and it has provided written agreement that full cover will apply. If you are not in active employment on the date you commence employment, any Basic Cover provided will be Limited Cover until you return to active employment for two consecutive months, after which time you will receive full cover. Please refer to section 8 for the definition of active employment. Please refer to section 6 for more information on limitations and exclusions that may affect your cover. 5
6 TASPLAN INSURANCE BOOKLET Table 1 Basic Cover amounts Age Next Birthday Amount Age Next Birthday Amount $33, $25, $67, $22, $100, $19, $84, $16, $76, $13, $68, $11, $60, $9, $52, $7, $44, $6, $36, $5,001* 55 $28,713 *Death Only Cover applies from age 65 Please note that your amount of Basic Cover will change over time depending on your age in line with the table above. However, your Basic Cover premiums will generally remain the same each year unless we advise otherwise. Please refer to What does it cost for more information. Fixed Cover Extra cover on joining Tasplan without detailed health checks. If you are eligible for Basic Cover, you can apply to increase your Death & TPD or Death Only Cover up to the age-based limits in Table 2, without needing to provide detailed health information. You will need to submit a completed Short Form Underwriting form within 90 days of the date shown on your Welcome Letter which you will receive shortly after joining Tasplan. This form is available at tasplan. com.au/forms. If the insurer is satisfied with your answers to the questions on this form, you will be provided with Fixed Cover. If further information is required, you may need to complete a full application in order to receive Additional Cover. Unlike Basic Cover, this Fixed Cover amount will not automatically reduce each year. Your premiums will therefore increase each year in accordance with your age and any indexation that applies to your cover. Please refer to the What does it cost section for more information. Table 2 Fixed Cover limits Age Next Birthday Occupation Rating Professional White Collar General $182,000 $172,000 $91, $152,000 $144,000 $76, $138,000 $130,000 $69, $123,000 $117,000 $62, $109,000 $103,000 $55, $95,000 $90,000 $48, $81,000 $76,000 $41, $66,000 $63,000 $33, $52,000 $49,000 $26, $47,000 $44,000 $24, $41,000 $39,000 $21, $36,000 $34,000 $18, $31,000 $29,000 $16, $25,000 $24,000 $13, $22,000 $21,000 $11, $18,000 $17,000 $9, $14,000 $14,000 $7, $12,000 $11,000 $6, * $9,000 $9,000 $5,000 *Death Only Cover applies from age 65 Additional Cover Additional Cover can also be applied for as Death Only or Death & TPD Cover. You can apply for Additional Cover by submitting a completed Application for Insurance Cover with Personal Statement which is provided at the back of this booklet. Your application must be accepted by the insurer for cover to apply. Additional Cover amounts will remain fixed, however the premiums will increase each year depending on your age and any indexation that applies. Please refer to What does it cost for more information. Remember to nominate your beneficiaries Make sure that your death benefits are paid in accordance with your wishes on your death. For more information on how to nominate a beneficiary and your nomination options please contact Tasplan. 6
7 FIND OUT MORE > Customer Service What does it cost? The cost of your cover depends on your age, the type of cover you hold and your occupation rating. Basic Cover amounts change over time, which means that the premiums generally don t change from year to year unless there is an increase in your cover or when you turn 65 and no longer have TPD Cover. Where cover is a fixed amount, it doesn t reduce as you get older, as it does with Basic Cover, and will only increase if indexation applies. The premiums increase each year in accordance with your age and the amount of cover you have at that time. Please note that premium loadings may apply to any Additional Cover. These would be advised to you in a letter regarding acceptance of the cover. The costs for Basic Cover and Fixed Cover/Additional Cover are outlined in Tables 3 and 4. Table 3 Basic Cover costs Age Next Birthday Weekly Premiums Professional White Collar General Death Only Death & TPD Death Only Death & TPD Death Only Death & TPD $0.59 $1.24 $0.67 $1.42 $0.84 $ $1.18 $2.48 $1.34 $2.84 $1.68 $ $1.77 $3.72 $2.01 $4.26 $2.52 $ * $1.77 N/A $2.01 N/A $2.52 N/A *Death Only Cover applies from age 65 Table 4 Fixed Cover and Additional Cover costs Age Next Birthday Annual premiums per $1,000 of Cover Professional White Collar General Death Only Death & TPD Death Only Death & TPD Death Only Death & TPD $0.62 $1.53 $0.66 $1.64 $1.21 $ $0.74 $1.84 $0.80 $1.96 $1.47 $ $0.82 $2.03 $0.87 $2.15 $1.62 $ $0.91 $2.27 $0.96 $2.40 $1.80 $ $1.00 $2.55 $1.10 $2.71 $2.03 $ $1.17 $2.95 $1.24 $3.12 $2.34 $ $1.38 $3.47 $1.47 $3.67 $2.74 $ $1.66 $4.22 $1.75 $4.43 $3.34 $ $2.16 $5.38 $2.26 $5.69 $4.27 $ $2.38 $5.99 $2.52 $6.36 $4.75 $ $2.68 $6.78 $2.85 $7.17 $5.38 $ $3.08 $7.79 $3.26 $8.23 $6.17 $ $3.65 $9.15 $3.84 $9.68 $7.25 $ $4.42 $11.09 $4.68 $11.77 $8.79 $ $5.14 $12.98 $5.44 $13.70 $10.28 $ $6.17 $14.42 $6.52 $15.27 $12.31 $ $7.90 $15.81 $8.37 $16.76 $15.80 $ $9.96 $16.56 $10.52 $17.53 $19.87 $ $12.20 $16.23 $12.93 $17.20 $24.40 $ * $12.20 $0.00 $12.93 $0.00 $24.40 $0.00 *Death Only Cover applies from age 65 Changing your Death or TPD Cover We understand that your needs may change over time, so we ve made it easy for you to change your cover to suit your needs. There are a number of ways you may apply to increase your Death Only or Death & TPD Cover. You can also request that your cover be reduced or cancelled. Cover indexation When you apply for Fixed Cover and/or Additional Cover, you can request for that cover to be indexed annually on your insurance application form. If accepted, this cover will increase by 5% on 1 July each year. Increasing cover You may be eligible to increase your cover up to your age-based limit shortly after joining Tasplan without needing to complete a full application. Please see Fixed Cover for more information. 7
8 TASPLAN INSURANCE BOOKLET If eligible, you will need to submit a Short Form Underwriting form, completed to the insurer s satisfaction, within 90 days of the date shown on your Welcome Letter which you will receive soon after joining Tasplan. This form is available at tasplan.com. au/forms. You can apply to increase your cover at any time using the Application for Insurance Cover with Personal Statement contained at the back of this booklet. Additional copies of this form are available at tasplan. com.au/forms. The maximum amounts of cover are: Type of cover Death TPD Maximum cover $5 million $2 million If you apply to increase your cover, you will be provided with Interim Accident Cover for up to 120 days for the same type of cover for which you are applying for, while your application is being considered by the insurer. The amount of Interim Accident Cover will be the lesser of the amount of cover you have applied for and $1,000,000 less the amount of any insured cover you currently have with Tasplan. Please refer to section 8 for more information on Interim Accident Cover. Any increase in your insurance cover is subject to written acceptance by the insurer, or Tasplan if that responsibility has been delegated by the insurer. Acceptance of cover may sometimes be offered subject to exclusions, premium loadings or special conditions. Increases due to life-changing events If your personal or financial situation changes as a result of a major life event taking place, you can apply to increase your cover without needing to complete a full insurance application or provide detailed health information. We call this the life events option. If you already have cover with Tasplan, you can apply to increase that cover within 120 days of the following life events : marriage divorce the birth or adoption of your child your child s first day of primary or secondary school the death of your spouse you take out a mortgage to initially purchase your primary residence* *This does not include refinancing existing mortgages or mortgages relating to an investment property. Please note that you can only increase your existing types of cover under the life events option. You can t apply for cover that you do not already hold. For example, if you have opted out of TPD Cover previously and hold Death Only Cover, you will only be able to increase your Death Only Cover under the life events option. The maximum amount of Additional Cover you can apply for under the life events option is the lesser of: the current amount of cover that you hold with Tasplan; and $150,000. Any increases in cover will be subject to the same individual conditions, restrictions, exclusions and premium loadings, if any, applying to your existing Tasplan insurance cover. You can exercise the life events option a maximum of 4 times since becoming a member of Tasplan, and only once within any 12 month period. To be eligible to increase your cover under the life events option, you must: submit a Life events cover option form completed to the insurer s satisfaction; submit your application within 120 days of the life event occurring; provide proof satisfactory to the insurer that the life event has taken place, and the date that it took place; and not have had an application for cover or an increase in cover, declined by the insurer. You can apply for an increase in cover under the life events option by completing the Life events cover option form which is available at tasplan.com.au/forms. Reducing or cancelling cover You can reduce or cancel your cover at any time. You can do this by completing an Application to reduce or opt out of cover form. This form is available at tasplan.com.au/forms or by calling If you are under age 25 at the time of cancelling your cover, your Basic Cover will be reinstated on your 25th birthday (conditions apply). Please refer to section 5 for more information. If you elect to reduce your Basic Cover, please note that the premiums applicable to this cover will change to the standard Additional Cover annual costs per $1,000 of cover as outlined in Table 3. There are no costs associated with cancelling or reducing your insurance cover. 8
9 FIND OUT MORE > Customer Service Income Protection What does it cover? If your application is accepted by the insurer, a disability benefit is paid if you become either Totally Disabled or Partially Disabled as defined under Tasplan s insurance policy. This generally means that you are unable to work in your own occupation, either at all or at full capacity, due to sickness or injury, and that you are under the regular care of a medical practitioner. One month after the end of your chosen waiting period, you will receive disability benefits on a monthly basis if and while you are considered by the insurer to be Totally or Partially Disabled up to the end of the benefit period, subject to the conditions of the policy. More information on what s covered Please refer to section 8 for important information including the insurer s definitions for Totally Disabled and Partially Disabled What income can you insure? When applying for Income Protection Cover, you must advise your current gross annual income. The income you can insure (your pre-disability income) depends on whether you are employed or selfemployed, Your pre-disability income is the monthly value of the annual remuneration you earned (using the following definitions) immediately before becoming disabled. Employed Pre-disability income for permanent employees includes income specified in your contract of employment. It includes overtime, bonuses and shift allowances (all averaged over the last 3 years) as well as any packaged elements not received directly as taxable earnings (e.g. salary sacrificed super contributions). If you are not employed on a permanent basis, your pre-disability income will be your total monthly value of remuneration (including overtime, bonuses and shift allowances) from all of your regular occupations over the 12 months immediately prior to becoming disabled. Your pre-disability income excludes director s fees, compulsory employer super entitlements (Super Guarantee), investment income and profit distribution. Self-employed If you are self-employed, your pre-disability income is the total monthly amount earned by your business over the financial year as a direct result of your personal exertion (i.e. the business earnings that would stop if you could not work due to sickness or injury) or activities through your regular occupations, less your share of the business expenses (but before the deduction of income tax) for that business (or relevant proportion for part of a financial year). How much cover can you apply for? You can apply to insure up to 75% of your current gross annual income. You also have the option to request an additional 10% to be paid as a superannuation contribution payment. Alternatively, you can nominate some other monthly benefit amount of cover which cannot be higher than 85% of your gross annual income advised. If your application is accepted by the insurer, you will be advised a monthly benefit amount of cover. A maximum monthly benefit of $25,000 per month applies to the Short Term benefit period, and $20,000 per month if you choose the Long Term benefit period. You do not need to insure your full current gross income if you don t feel that it is necessary. You can choose to insure a monthly benefit amount of cover less than this if you do not need this much to meet your living expenses. Optional super contribution cover If you chose to insure an amount of cover which is more than 75% of your gross annual income, any percentage above 75% will be payable as a super contribution into your Tasplan Super account. Examples: Income Protection for a $57,000 gross annual salary Example 1 75% insured cover Cover amount (75%) $42,750 Monthly benefit $3,562* Example 2 maximum cover (75%) plus 10% super contribution Cover amount (75%) $42,750 Plus 10% super contribution $5,700 Total cover amount $48,450 Monthly benefit $4,037* *Rounded down to the nearest dollar. 9
10 TASPLAN INSURANCE BOOKLET Monthly benefit Please note that your disability benefit (the amount that you actually receive if you make a successful claim for Income Protection benefits), may vary from your monthly benefit amount of cover and the amount of pre-disability income earned (defined under What income can you insure? ). The amount that you will receive will depend on whether you are Totally or Partially Disabled, and whether you are receiving any disability income. Total Disability monthly benefit If you are Totally Disabled, the amount of your disability benefit will be your monthly benefit (including the optional super contribution if selected and taking into account your pre-disability income) reduced by any disability income you receive. Partial Disability monthly benefit If you are Partially Disabled and are earning less than your pre-disability income as a result of your disability, the amount of your disability benefit will be your monthly benefit reduced by any disability income. If you elected to receive the optional super contribution benefit, this will also be reduced by any disability super received. Disability super is any payments you are entitled to and continue to receive from, or on behalf of, your employer, during a period of disability or rehabilitation. Your partial monthly benefit will be reduced by the amount calculated using the following formula: current income pre-disability income* x monthly benefit for each month you are continuously Partially Disabled, where current income is the income earned during the month. *Or indexed pre-disability income Example Partial Disability monthly benefit Pre-disability income: Monthly benefit: Current income: $4,000 per month $3,000 per month $2,000 per month Disability income Your Total or Partial Disability monthly benefit received will be reduced by any disability income you receive from other sources as a direct result of your sickness or injury. Disability income is the sum of: a) any income (other than benefits received under this Policy), or commutation of an income, paid or payable as a result of your sickness or injury, including sick leave payments, any amounts payable under legislation such as workers compensation or motor accident compensation; and any benefits payable under other Income Protection policies; and b) any social security benefits paid or payable; and c) any income earned by you from personal exertion while disabled; and d) any income which, in the insurer s opinion, you could reasonably be expected to earn in your occupation while disabled excluding any income actually earned from your employer; and e) any annual or long service leave you receive while you are disabled; for a month during which a disability benefit is payable under this policy. Any income described in paragraphs a), b) or c) above which is in the form of a lump sum or is exchanged for a lump sum has a monthly equivalent of 1/60th of the lump sum over a period of 60 months. Example Total Disability monthly benefit with disability income Monthly benefit: Worker s compensation: (Disability income) Calculation: $4,000 - $1,000 = $3,000 $4,000 per month $1,000 per month Total Disability monthly benefit: $3,000 Calculation: $2,000 x $3,000 = $1,500 $4,000 Partial Disability monthly benefit: $1,500 10
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