Document:

Exhibit 10.3

Exhibit 10.3

SUMMARY OF MATERIAL TERMS AND CONDITIONS —

EXECUTIVE RETENTION PROGRAM

Participant: Jack Victor Heller

Compensation: Annual Base Compensation — $400,000.00

Annual Bonus Compensation:

1) Annual Target Bonus: 75.00% of Annual Base Compensation

2) Annual Maximum Bonus: 200.00% of Annual Target Bonus

Guaranteed Elements of Annual Bonus Compensation:

1) Guaranteed portion of annual bonus compensation:

	 	a)	 	2010 annual bonus compensation: 66.66% of target bonus guaranteed or
$199,980.00.

	 	b)	 	2011 annual bonus compensation: 50% of target bonus guaranteed or
$150,000.00.

	 	c)	 	2012 annual bonus compensation: 50% of target bonus guaranteed or
$150,000.00.

	2)	 	Non-guaranteed portions of annual bonus compensation are subject to annual performance
criteria to be approved by the Board of Directors or the Committee.

	3)	 	Guaranteed portion of annual bonus compensation “vests” if you are employed continuously
through the last day of the fiscal year.

	4)	 	Even though the guaranteed portion of the annual bonus compensation vests only on the last
day of the fiscal year, it will be paid in equal pro rata installments on a quarterly basis in
arrears as follows:

	 	a)	 	2010 — $99,990.00 to be paid as soon as administratively practicable
(but in no event beyond the fifteenth business day) after 9-30-2010 and $99,990.00
to be paid as soon as administratively practicable (but in no event beyond the
fifteenth business day) after 12-31-2010.

	 	b)	 	2011 — $37,500.00 to be paid as soon as administratively practicable
(but in no event beyond the fifteenth business day) following the end of each
calendar quarter (3-30-2011, 6-30-2011, 9-30-2011 and 12-31-2011).

 

 

 

	 	c)	 	2012 — $37,500.00 to be paid as soon as administratively practicable
(but in no event beyond the fifteenth business day) following the end of each
calendar quarter (3-30-2012, 6-30-2012, 9-30-2012 and 12-31-2012).

	5)	 	Payments made prior to the applicable vesting date are not earned and are subject to
clawback. Subject to the exceptions set forth in 5(a) and (b) below, and to the extent
permitted by Section 409A (as defined below), payments made prior to the applicable vesting
date are not earned and the Company will have the right to reduce any and all of the following
amounts in order to offset such payments, including, (i) severance owed or payable by the
Company to you upon your separation from the Company, (ii) gains from stock option exercise,
restricted stock vesting or any other equity awards, and (iii) other amounts owed or payable
by the Company to you in any form whatsoever, whether compensatory or otherwise. Without
limiting the generality of the foregoing, the Company may reduce all proceeds payable pursuant
to any put right, call right or other sale of Company equity by you in order to recover
payments made prior to the applicable vesting date. To the extent necessary, this will
constitute an amendment to the Stockholders Agreement, the Second Amended and Restated
HealthMarkets 2006 Management Option Plan (“MOP”) and any other applicable award agreement.

	 	a)	 	Payments are not subject to clawback and/or offset if your employment
is terminated by the Company without Cause, by reason of your death or Disability,
or you terminate your employment for Good Reason. For purposes of these Program
terms and conditions, the terms “Cause,” “Disability,” and “Good Reason” will have
the meanings given to them in your employment agreement with the Company

	 	b)	 	Clawback and/or offset would require the repayment of 75% of the
gross amount of the payments made to you.

	 	c)	 	In the event your employment is terminated by you or the Company, for
any reason, you will forfeit all future or unvested guaranteed bonus amounts and
no longer have any rights with respect to such amounts.

Retention Cash Compensation:

1) Retention Cash Compensation: $1,200,000.00

2) Retention Cash Compensation is divided into 3 Tranches as follows:

	 	a)	 	Tranche A: 25% of Retention Cash Compensation; vests on
1st anniversary of Grant Date, subject to your continuous employment
through such date.

	 	b)	 	Tranche B: 25% of Retention Cash Compensation; vests on
2nd anniversary of Grant Date, subject to your continuous employment
through such date.

	 	c)	 	Tranche C: 50% of Retention Cash Compensation; vests on
3rd anniversary of Grant Date, subject to your continuous employment
through such date.

 

 

 

3) Grant Date is June 30, 2010.

	4)	 	Even though the retention payments vest only as described above, they will be paid as
follows:

	 	a)	 	Tranche A: to be paid in equal pro rata installments on a quarterly
basis in arrears beginning on the Grant Date and ending on the 1st
anniversary of the Grant Date:

	 	i.	 	Scheduled payments of $75,000.00 to be paid as soon
as administratively practicable (but in no event beyond the fifteenth
business day) following the end of each calendar quarter (9-31-2010,
12-31-2010, 3-31-2011 and 6-30-2011).

	 	b)	 	Tranche B: to be paid in equal pro rata installments on a quarterly
basis in arrears beginning on the 1st anniversary of the Grant Date and
ending on the 2nd anniversary of the Grant Date.

	 	i.	 	Scheduled payments of $75,000.00 to be paid as soon
as administratively practicable (but in no event beyond the fifteenth
business day) following the end of each calendar quarter (9-31-2011,
12-31-2011, 3-30-2012 and 6-30-2012).

	 	c)	 	Tranche C: to be paid in equal pro rata installments on a quarterly
basis in arrears beginning on the 2nd anniversary of the Grant Date and
ending on the 3rd anniversary of the Grant Date.

	 	i.	 	Scheduled payments of $150,000.00 to be paid as soon
as administratively practicable (but in no event beyond the fifteenth
business day) following the end of each calendar quarter (9-31-2012;
12-31-2012, 3-30-2013 and 6-30-2013).

	5)	 	Payments made prior to the applicable vesting date are not earned and are subject to
clawback. Subject to the exceptions set forth in 5(a) and (b) below, and to the extent
permitted by Section 409A, payments made prior to the applicable vesting date are not earned
and the Company will have the right to reduce any and all of the following amounts in order to
offset such payments, including, (i) severance owed or payable by the Company to you upon your
separation from the Company, (ii) gains from stock option exercise, restricted stock vesting
or any other equity awards, and (iii) other amounts owed or payable by the Company to you in
any form whatsoever, whether compensatory or otherwise. Without limiting the generality of
the foregoing, the Company may reduce all proceeds payable pursuant to any put right, call
right or other sale of Company equity by you in order to recover payments made prior to the
applicable vesting date. To the extent necessary, this will constitute an amendment to the Stockholders Agreement, the MOP and any other
applicable award agreement.

 

 

 

a) Payments are not subject to clawback and/or offset if your employment is
terminated by the Company without Cause, by reason of your death or Disability, or
you terminate your employment for Good Reason

b) Clawback and/or offset would require the repayment of 75% of the gross amount of
the payments made to you.

c) In the event your employment is terminated by you or the Company, for any
reason, prior to being paid all of your Retention Cash Compensation, you will
forfeit all future or unvested Retention Cash Compensation.

	6)	 	Full acceleration of retention cash compensation pool payments upon a Change of Control where
your employment is terminated by the Company (or successor) without Cause or you terminate
your employment with the Company (or successor) for Good Reason during the 6 months following
the Change of Control. The term “Change of Control” will have the meaning given to it in the
MOP

a) To the extent permitted by Section 409A, accelerated retention cash compensation
pool payments to you per the above provision will be reduced by the amount of any
severance paid to you.

Stock Option Grant: Refer to (a) the Nonqualified Stock Option Agreement made as of June
29, 2010 between you and the Company pursuant to which you were granted options to purchase 150,000
shares at an option price of $7.00 per share, which was previously provided to you and (b) the MOP,
a copy of which will be provided to you upon request.

Restricted Stock Grant: Refer to (a) the Restricted Share Agreement made as of June 29,
2010 between you and the Company pursuant to which you were granted 150,000 restricted shares,
which was previously provided to you, and (b) the MOP, a copy of which will be provided to you upon
request.

Current Employment Arrangements:

	1)	 	You will retain your current employment agreement or offer letter with respect to your
employment with the Company, including but not limited to severance arrangements, if any.

	2)	 	To the extent that the terms of your employment agreement or offer letter are more favorable
than the terms of the Program, the terms of the employment agreement or offer letter will
control, except with respect to obligations relating to clawback and offset.

 

 

 

Confidentiality: The existence and terms of the Program, as well as your participation in
the Program, constitute confidential information of the Company and must remain strictly
confidential. Any disclosure of such information, other than to your spouse or as necessary to
obtain legal or financial advice from your attorney, accountant or financial advisor, constitutes a
breach of your confidentiality obligations and may be grounds for termination of your employment
for cause.

At-Will Employment: You understand that HealthMarkets, Inc., Insphere Insurance Solutions,
Inc. and The MEGA Life and Health Insurance Company are “at-will” employers in accordance with
Texas state law and, as such, this summary does not constitute a contract of employment and does
not guarantee your employment with the Company for a fixed term or definite period. Your
employment may be terminated at the will of either party, with or without cause, and without prior
notice.

Tax Withholding: All payments to be made hereunder shall be subject to all applicable
federal and state tax withholding, FICA and Medicare taxes and all other applicable withholding.
The Company is authorized to withhold from any amount payable under the Program all amounts of
withholding and other taxes due in connection with any transaction under the Program and to take
such other action as the Company may deem advisable to enable the Company and participants to
satisfy obligations for the payment of withholding taxes and other tax obligations relating to
participation in the Program. This authority shall include authority to withhold or receive shares
of stock and to make cash payments in respect thereof in satisfaction of a participant’s minimum
statutory required tax obligations.

Agreement to Execute Additional Documents: Upon request by the Company, you agree to
promptly execute and deliver to the Company any documents reasonably necessary to effectuate your
participation in the Program or your receipt of payments and benefits under the Program.

Section 409A of the Code: To the extent applicable, it is intended that the terms and
conditions of the Program be in full compliance with Section 409A of the Internal Revenue Code of
1986, as amended, and the regulations and any other formal guidance promulgated with respect to
such Section by the U.S. Department of the Treasury or the Internal Revenue Service (collectively,
“Section 409A”). The Program will be construed, to the maximum extent permitted, in a manner to
give effect to such intention. To the extent that any provision of the Program would result in a
participant being subject to payment of the additional tax, interest and penalty under Section
409A, the Company reserves the right to amend the terms and conditions of the Program at any time
in order to bring the Program into compliance with Section 409A; and thereafter interpret its
provisions in a manner that complies with Section 409A. In no event whatsoever (including, but not
limited to, as a result of this paragraph or otherwise) will the Company or any of its affiliates
be liable for any tax, interest or penalties that may be imposed on a participant under Section
409A. Neither the Company nor any of its affiliates will have any obligation to indemnify or
otherwise hold a participant harmless from any or all such taxes, interest or penalties, or
liability for any damages related thereto.

 

 

 

Applicable Law. It is intended that the terms of the Program be in full compliance with
applicable federal and state laws and regulations (“Applicable Law”). The Program will be
construed, to the maximum extent permitted, in a manner to give effect to such intention. To the
extent that the Company determines, in its sole discretion, that any term or condition of the
Program does not comply (or potentially fails to comply) with Applicable Law, the Company reserves
the right to: (a) terminate the Program as to all participants; (b) terminate the Program as to
certain participants as the Company determines, in its sole discretion, is required to comply with
Applicable Law; (c) suspend the Program, in whole or in part, including, without limitation,
discontinuing all payments under the Program, as to all Participants or certain Participants, until
such time as the Company, in its sole discretion, determines that the Program complies with
Applicable Law; and (d) amend the Program, in any manner and at any time in order to bring the
Program into compliance with Applicable Law, and thereafter interpret its provisions in a manner
that complies with Applicable Law.Exhibit 10.01

Exhibit 10.01

FEDERAL HOME LOAN BANK OF NEW YORK

THRIFT RESTORATION PLAN

 

 

 

TABLE OF CONTENTS

	 	 	 	 	 
	ARTICLE	 	PAGE	 
	 
	 
	I DEFINITIONS 
	 	 	1	 
	 
	 
	II MEMBERSHIP 
	 	 	1	 
	 
	 
	III AMOUNT AND PAYMENT OF BENEFITS 
	 	 	1	 
	 
	 
	IV DESIGNATION OF BENEFICIARIES 
	 	 	2	 
	 
	 
	V ADMINISTRATION OF THE PLAN 
	 	 	2	 
	 
	 
	VI AMENDMENT AND TERMINATION 
	 	 	3	 
	 
	 
	VII GENERAL PROVISONS 
	 	 	3	 

 

 

 

FEDERAL HOME LOAN BANK OF NEW YORK

THRIFT RESTORATION PLAN

This Plan is adopted by the Federal Home Loan Bank of New York in order to provide
additional compensation to certain employees of the Bank who were previously participants in the
Thrift Plan Component of the Benefit Equalization Plan. In general, and subject to the terms and
conditions contained hereunder, Benefits under this Plan will consist of an amount equal to six
percent (6%) of each Member’s base rate of pay for the calendar year immediately preceding the
calendar year of payment, to the extent that such base rate of pay shall exceed the IRC
Limitations in effect with respect to such preceding calendar year. This Plan is nondeferred and
unfunded, and all benefits payable under the Plan shall be paid solely out of the general assets
of the Bank. Payments made under this Plan will not be part of any calculations made for purposes
of determining payments to be made to Bank employees under any other benefit plan. The creation
of this Plan was authorized by resolution of the Bank’s Board of Directors adopted on January 21,
2010.

Article I. Definitions

When used anywhere in the Plan, the following terms shall have the following meanings:

1.01 “Bank” means the Federal Home Loan Bank of New York and each subsidiary or
affiliated company thereof which participates in the Plan.

1.02 “Benefit” means the amount payable under Section 3.01 to any Member for or with
respect to any calendar year during which the Plan shall remain in effect.

1.03 “Benefit Equalization Plan” means the Federal Home Loan Bank of New York
Benefit Equalization Plan as adopted by the Bank as of June 18, 1987, to be effective as of January
1, 1988, as the same has heretofore been and may hereafter be amended.

1.04 “Board of Directors” or “Board” means the Board of Directors of the Bank.

1.05 “Effective Date” means January 1, 2010.

1.06 “IRC” means the Internal Revenue Code of 1986, as amended from time to time, or
any successor thereto.

1.07 “IRC Limitations” means the cap on compensation taken into account by a plan
under IRC Section 401(a)(17), the limitations on 401(k) contributions necessary to meet the average
deferral percentage (“ADP”) test under IRC Section 401(k)(3)(A)(ii), the limitations on employee
and matching contributions necessary to meet the average contribution percentage (“ACP”) test under
IRC Section 401(m), the dollar limitations on elective deferrals under IRC Section 402(g), and the
overall limitations on contributions and benefits imposed on qualified plans by IRC Section 415,
as such provisions may be amended from time to time, and any similar success or provisions of
federal tax law.

1.08 “Member” means any person included in the membership of the Plan as provided in
Article II.

1.09 “Plan” means the Thrift Restoration Plan, as adopted by the officers of the Bank
thereunto as duly authorized by a resolution duly adopted by the Board of Directors on January 21,
2010, set forth herein and as amended from time to time in accordance with Article VI.

1.10 “Plan Administrator” means the Director of Human Resources of the Bank.

1.11 “Thrift Plan” means the Pentegra Thrift Plan for Financial Institutions as in
effect in any immediately preceding year referred to in Section 3.01.

1.12 “Thrift Plan Component of the Benefit Equalization Plan” means the Thrift Plan
Component of the Benefit Equalization Plan, which was terminated on November 10, 2009.

Article II. Membership

Each employee of the Bank who, on November 10, 2009, was a Member of the Thrift Plan Component
of the Benefit Equalization Plan, shall become a Member of the Plan on the Effective Date.

Article III. Amount and Payment of Benefits

3.01 On or before March 15, 2011, and on or before March 15 of each calendar year thereafter
during which the Plan shall remain in effect (or, if March 15 shall be a non-business day in any
such year, on or before the business day next preceding March 15 of such year), the Bank shall pay
to each Member (a) who was such on December 31 of the
immediately preceding calendar year, (b) who was a Member of the Thrift Plan Component of the
Benefit Equalization Plan on November 10, 2009, and (c) who made for such immediately preceding
calendar year the maximum contribution to his 401(k) account in the Thrift Plan permitted with
respect to such immediately preceding calendar year under the IRC Limitations in effect with
respect thereto, as the Benefit under this Plan, an amount equal to six percent (6%) of such
Member’s base rate of pay for the calendar year immediately preceding the calendar year of payment,
to the extent that such base rate of pay shall exceed the IRC Limitations in effect with respect to
such preceding calendar year.

 

1

 

3.02 No Member shall be entitled to a Benefit under this Article III for any calendar year
unless, on the day the Benefit is due pursuant to Section 3.01, the Plan is in effect. The Member
need not, on the day the Benefit is due pursuant to Section 3.01, be an employee of the Bank in
order to be eligible to receive the Benefit. Further, a Member whose employment shall have ceased
by reason of the death of the Member prior to the date such Benefit is to be paid shall be entitled
to receive the Benefit that would be payable to such Member pursuant to Section 3.01, but for such
Member’s death, which shall not have been paid prior to his death, which Benefit shall be paid to
the beneficiary duly designated by the Member, if any, or to the Member’s estate in accordance with
Article IV, following which payment all rights of the deceased Member under this Plan shall be
deemed satisfied and shall be terminated. No rights to a Benefit under this Plan shall be deemed
to vest at any time prior to the payment of such Benefit to a Member entitled thereto or, in the
event of a Member’s prior death, to his duly-designated beneficiary or his estate.

Article IV. Designation of Beneficiaries

4.01 Each Member of the Plan may file with the Plan Administrator a written designation of one
or more person as the beneficiary who shall be entitled to receive the Benefit, if any, payable
under the Plan upon his death pursuant to Section 3.02. A Member may, from time to time, revoke or
change his beneficiary designation without the consent of any prior beneficiary by filing a new
designation with the Plan Administrator. The last such written designation received by the Plan
Administrator shall be controlling; provided, however, that no designation, or change or revocation
thereof, shall be effective unless received by the Plan Administrator prior to the Member’s death,
and in no event shall it be effective as of a date prior to such receipt. (In the event a Member
dies without designating a beneficiary, and the member leaves a surviving spouse, the spouse shall
be deemed to be the beneficiary. If the Member dies without designating a beneficiary and has no
surviving spouse, then the Member’s estate shall be deemed to be the beneficiary.)

4.02 If no such beneficiary designation is in effect at the time of the Member’s death, or if
no designated beneficiary survives the Member, or if, in the opinion of the Plan Administrator,
such designation conflicts with applicable law, the Member’s estate shall be deemed to have been
designated as his beneficiary and shall be paid the Benefit, if any, payable under the Plan upon
the Member’s death. If the Plan Administrator is in doubt as to the right of any person to receive
such Benefit, the Bank may retain such amount, without liability for any interest thereon, until
the rights thereto are determined, or the Plan Administrator may pay such amount into any court of
appropriate jurisdiction and such payment shall be a complete discharge of the liability of the
Plan and the Bank therefor.

Article V. Administration of the Plan

5.01 The Plan Administrator shall have general authority over and responsibility for the
administration and interpretation of the Plan. The Plan Administrator shall have full power and
authority to interpret and construe the Plan, to make all determinations considered necessary or
advisable for the administration of the Plan and any trust referred to in Article V of the Plan and
the calculation of the amount of Benefits payable under the Plan and to review claims for Benefits
under the Plan. The Plan Administrator’s interpretations and constructions of the Plan and its
decisions or actions thereunder shall be binding and conclusive on all persons for all purposes.

5.02 If the Plan Administrator deems it advisable, he shall arrange for the engagement of
legal counsel and certified public accountants (who may be counsel to or accountants for the Bank)
and other consultants, and make use of agents and clerical or other personnel, for purposes of the
Plan. The Plan Administrator may rely upon the written opinions of such counsel, accountants and
consultants and delegate to any agent of the Plan Administrator his authority to perform any act
hereunder, including, without limitation, those matters involving the exercise of discretion;
provided, however, that such delegation shall be subject to revocation at any time at the
discretion of the Plan Administrator.

5.03 All claims for Benefits under the Plan shall be submitted in writing to the Plan
Administrator. Written notice of the decision on each such claim shall be furnished with
reasonable promptness to the Member or his beneficiary (the “claimant”). The claimant may request
a review by the Plan Administrator of any decision denying the claim in whole or in part. Such
request shall be made in writing and filed with the Plan Administrator within 30 days of
such denial. A request for review shall contain all additional information which the claimant
wishes the Plan Administrator to consider. The Plan Administrator may hold any hearing or conduct
any independent investigation which it deems desirable to render its decision and the decision on
review shall be made as soon as feasible after the Plan Administrator’s receipt of the request for
review. Written notice of the decision shall be furnished to the claimant. For all purposes under
the Plan, such decisions on claims (where no review is requested) and decisions on review (where
review is requested) shall be final, binding and conclusive on all interested persons as to all
matters relating to the Plan.

5.04 All expenses incurred by the Plan Administrator in its administration of the Plan shall
be paid by the Bank.

 

2

 

Article VI. Amendment and Termination

The Board of Directors, by resolution, or the officers of the Bank thereunto duly authorized,
may amend, suspend or terminate the Plan, in whole or in part, without the consent of the Plan
Administrator or any Member, beneficiary or other person, and such action shall take effect upon
the effective date thereof set forth by the Board of Directors. No right or benefit granted
pursuant to the provisions of this Plan shall be deemed to be vested in any Member or any person
claiming through any Member. The Plan Administrator may adopt any amendment or take any other
action which he may deem necessary or appropriate to facilitate the administration, management and
interpretation of the Plan or to conform the Plan thereto.

Article VII. General Provisions

7.01 The Plan shall be binding upon and inure to the benefit of the Bank, and its successors
and assigns, and the Members, and their successors, assigns, designees and estates.

7.02 Neither the Plan nor any action taken thereunder shall be construed as giving to a Member
the right to be retained in the employ of the Bank or as affecting the right of the Bank to dismiss
any Member from its employ.

7.03 The Bank shall withhold or cause to be withheld from all Benefits payable under the Plan
all federal, state, local and other taxes required by applicable law be withheld with respect to
such payments.

7.04 No right or interest of a Member under the Plan may be assigned, sold, encumbered,
transferred or otherwise disposed of, and any attempted disposition of such right or interest shall
be null and void.

7.05 If the Plan Administrator shall find that any person to whom any amount is or was payable
under the Plan is unable to care for his affairs because of illness or accident, or is a minor, or
has died, then any payment, or any part thereof, due to such person or his estate (unless a prior
claim therefor has been made by a duly appointed legal representative), may, if the Plan
Administrator is so inclined, be paid to such person’s spouse, child or other relative, an
institution maintaining or having custody of such person or any other person deemed by the Plan
Administrator to be a proper recipient on behalf of such person otherwise entitled to payment. Any
such payment shall be in complete discharge of the liability of the Plan and the Bank therefor.

7.06 To the extent that any person acquires a right to receive payments from the Bank under
the Plan, such right shall be no greater than the right of an unsecured general creditor of the
Bank.

7.07 All elections, designations, requests, notices, instructions and other communications
from a Member, beneficiary or other person to the Plan Administrator required or permitted under
the Plan shall be in such form as is prescribed from time to time by the Plan Administrator and
shall be mailed by first-class mail or transmitted through electronic means or delivered to such
location as shall be specified by the Plan Administrator and shall be deemed to have been given and
delivered only upon actual receipt thereof at such location.

7.08 The Benefits payable under the Plan shall be in addition to all other benefits provided
for employees of the Bank and shall not be deemed salary or other compensation by the Bank for the
purpose of computing benefits to which he may be entitled under any other plan or arrangement of
the Bank.

7.09 The Plan Administrator shall not be personally liable by reason of any instrument
executed by him or on his behalf, or action taken by him, in his capacity as Plan Administrator
nor for any mistake of judgment made in good faith. The Bank shall indemnify and hold harmless the
Plan Administrator and each employee, officer or director of the Bank to whom any duty, power,
function or action in respect of the Plan may be delegated or assigned, or from whom any
information is requested for Plan purposes, against any cost or expense (including fees of legal
counsel) and liability (including any sum paid in settlement of a claim or legal action with the
approval of the Bank) arising out of anything done or omitted to be done in connection with the
Plan, unless arising out of such person’s fraud or bad faith.

7.10 As used in the Plan, the masculine gender shall be deemed to refer to the feminine,
and the singular person shall be deemed to refer to the plural, wherever appropriate.

7.11 The captions preceding the sections of the Plan have been inserted solely as a
matter of convenience and shall not in any manner define or limit the scope or intent
of any provisions of the Plan.

7.12 The Plan shall be construed according to the laws of the State of New York in
effect from time to time.

 

3

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