Document:

a14thamendmentto1stamend

[***] = Certain marked information has been omitted from this exhibit because it is both not material and is the type that the  registrant treats as private or confidential.  FOURTEENTH AMENDMENT  TO FIRST AMENDED AND RESTATED LOAN PROGRAM AGREEMENT  This FOURTEENTH AMENDMENT TO THE FIRST AMENDED AND RESTATED LOAN  PROGRAM AGREEMENT (this “Amendment”) is made as of September 3, 2021 (the “Amendment  Effective Date”) by and between CROSS RIVER BANK, an FDIC-insured New Jersey state-chartered  bank (“Bank”), and SUNLIGHT FINANCIAL LLC, a Delaware limited liability company (“Sunlight”),  amends the terms of that certain First Amended and Restated Loan Program Agreement dated as of February  12, 2018, by and between Bank and Sunlight (as amended, restated, supplemented or otherwise modified  from time to time prior to the Amendment Effective Date, the “Existing Agreement” and, as amended by  this Amendment, the “Agreement”). Sunlight and Bank are collectively referred to herein as the “Parties”.  Capitalized terms used herein but not otherwise defined herein shall have the meanings set forth therefor in  the Existing Agreement.  RECITALS  WHEREAS, the Existing Agreement allows the Parties to mutually agree in writing to modify the  Existing Agreement;  WHEREAS, the Parties now desire to amend and modify the Existing Agreement upon the terms  and subject to the conditions set forth in this Amendment;  NOW, THEREFORE, in consideration of the foregoing premises and the following terms, and  for other good and valuable consideration, the Parties, intending to be legally bound, further agree as  follows:  1. AMENDMENTS TO THE EXISTING AGREEMENT 1.1. Section 2.5 is hereby amended by adding the following new subsection (k) as follows: (k) Within six (6) months from the Amendment Effective Date, Bank and Sunlight agree to negotiate in good faith (i) the minimum internal rate of return for the Maxx Retained Loans carried on Bank’s balance sheet and (ii) the percentage amount of Maxx Retained Loans that Bank will have a right to retain on its balance sheet. 1.2. Section 3.1(e) is hereby amended and restated as follows:  (e) On behalf of Bank, Sunlight shall process Loan Applications from Loan Applicants using a Loan Application form that is approved by Bank. Sunlight shall require each Channel Partner to provide reasonable assistance to each prospective Loan Applicant in completing a Loan Application. Sunlight shall review and process all completed Loan Applications for compliance with the Credit Policy and Underwriting Requirements (including making any applicable counteroffer for a Maxx Loan Product to a Loan Applicant that does not qualify for a Standard Loan Product) and report to Bank on all Loan approvals electronically or by other appropriate means agreeable to both parties. All Loan approvals shall be based upon the information provided by Loan Applicants and such other information as obtained by Sunlight at the direction of Bank, and pursuant to the Underwriting Requirements. No Loan Application shall be approved unless it complies with the Program Guidelines, it being understood that assuring compliance with the Program Guidelines shall be the responsibility of Sunlight and that Sunlight shall (for the benefit of Bank) strictly comply with all Applicable Laws, including without limitation, all consumer credit laws, rules and regulations. In addition, and without limiting the foregoing, to the extent the information is reasonably and accurately accessible to Sunlight from the Loan files and may be automatically generated, Sunlight shall identify any Loan Application (other than a Loan Application that is approved for a Maxx Loan Product) designated that is either subprime or has credit criteria commonly considered to categorize Exhibit 10.41 

 

            subprime loans (e.g., attributes of Borrowers with credit scores of [***] or less), and,  with respect to any such Loan Application, shall provide to Bank an explanation and the  background thereof, and shall monitor and report to Bank regarding all Loans with such  characteristics. At the time Sunlight approves on behalf of Bank any Loan Application,  Sunlight shall be deemed to represent to Bank that the related Loan Applicant is not listed  on any Government List. All Loan Application processing functions performed by Sunlight  or any Third Party Service Provider hereunder shall be subject to Bank supervision, and  Bank shall have the right to review and audit Loan Applications to ensure compliance with  the Program Guidelines.  1.3. Section 3.1(l) is hereby amended and restated as follows:  (l)     Each December 1, Sunlight shall provide to Bank a report of projected Loan  volumes for origination by Bank under the Program for the upcoming year (the “Annual  Projections”). In addition, to the extent the information is reasonably and accurately  accessible to Sunlight from the Loan files and may be automatically generated, Annual  Projections shall set forth the level of Loans (other than Maxx Loans) that Sunlight  anticipates will be designated as subprime originations (as well as any Loans that qualify  as prime or near prime originations, but that have subprime credit characteristics). Sunlight  shall prepare the Annual Projections in a commercially reasonable manner. In addition,  and without limiting the foregoing, Sunlight shall provide Bank with monthly reports  tracking Sunlight’s activity against the projections contained in the Annual Projections for  that year.  1.4. Section 3.1(w) is hereby amended and restated as follows:  (w)      [Reserved].  1.5. The first sentence of Section 5.1 is hereby amended and restated as follows:  The parties acknowledge that each Dealer has agreed to accept a discount (the “Dealer  Discount”), in a percentage agreed-upon with Sunlight, from the principal amount of each  Loan to produce net Loan Proceeds to be disbursed to such Dealer thereon; payment of  such Dealer Discount will be managed by Sunlight with Bank’s approval.  1.6. Section 5.6(b) is hereby amended and restated as follows:  (b) (i) The weighted average FICO score of Non-Portfolio Loans (other than Maxx  Loans) carried on Bank’s balance sheet is less than [***] and (ii) the weighted average  FICO score of Non-Portfolio Loans that are Maxx Loans carried on Bank’s balance sheet  is less than [***]. For purpose of this computation, FICO scores shall be determined as of  the date of Loan origination and weightings shall be based on the carrying amounts on  Bank’s balance sheet.  1.7. Section 5.6(c) is hereby amended and restated as follows:  (c)       (i) A Non-Portfolio Loan (other than a Maxx Loan) carried on Bank’s balance  sheet (A) is charged-off by Bank or Servicer or (B) has remained on Bank’s balance sheet  for more than [***] days, and (ii) (A) within the initial nine (9) months from the  Amendment Effective Date (the “Initial Period”), a Non-Portfolio Loan that is a Maxx  Loan carried on Bank’s balance sheet has remained on Bank’s balance sheet for more  than [***] days and (B) following the Initial Period, a Non- Portfolio Loan that is a Maxx  Loan carried on Bank’s balance sheet has remained on Bank’s balance sheet for more  than [***] days.  1.8. Section 9.3(a)(i) is hereby amended and restated as follows:        2  

 

            (i) Annual Financial Statements. Within one hundred twenty (120) days after the end  of each of its fiscal years, copies of its annual audited financial statements certified by  independent certified public accountants reasonably satisfactory to Bank and prepared on  a consolidated basis in conformity with GAAP, together with a report of such firm  expressing such firm’s opinion thereon without a “going concern” or like qualification or  exception and without any qualification or exception as to the scope of the audit, provided  that this delivery requirement shall be satisfied if Sunlight makes such financial statements  available at https://ir.sunlightfinancial.com.  1.9. Section 9.3(a)(ii) is hereby amended and restated as follows:  (ii) Quarterly Financial Statements. Within sixty (60) days after the end of each of its  fiscal quarters, copies of its unaudited consolidated balance sheet, income statement and  related statements of operations and stockholders’ equity as of the end of and for such fiscal  quarter and the then elapsed portion of the fiscal year, setting forth in each case in  comparative form the figures for the corresponding period of (or, in the case of the balance  sheet, as of the end of) the previous fiscal year, all certified by one of its chief financial  officer, principal accounting officer, treasurer or controller as presenting fairly in all  material respects its (and its consolidated Subsidiaries) financial condition and results of  operations on a consolidated basis in accordance with GAAP consistently applied, subject  to normal year-end audit adjustments and the absence of footnotes, provided that this  delivery requirement shall be satisfied if Sunlight makes such financial statements  available at https://ir.sunlightfinancial.com.  1.10. Section 9.3(a)(iii) is hereby amended and restated as follows:  (iii) [Reserved].  1.11. Section 1.1 of the Existing Agreement is hereby amended to amend and restate the following  definitions as follows:  “Eligible Required Retention Loans” means Loans (other than Maxx Loans) consisting of  those loan products set forth on Annex A to Exhibit A, as amended, restated, supplemented, or  otherwise modified from time to time as mutually agreed by both parties.  “Loan Proceeds” means (a) for any Loan, the funds disbursed to a Dealer pursuant to a Loan  Account established by Bank under the Program consisting of (i) for any Non-Portfolio Loan  of the principal amount of such Loan less the related Loan Origination Fee, if any, or Dealer  Discount, (ii) for any Portfolio Loan, the principal amount of such Loan less the related Target  Dealer Discount, and (b) for any Required Retained Loan, the Required Retained Loan Funding  Amount; provided, however, that “Loan Proceeds” shall not include any Dealer Discount that  is not deducted from the principal amount of such Loan prior to the funding of such Loan at  the request of the applicable Dealer and consented to by Bank in writing but that is intended to  be paid by such Dealer to Sunlight thereafter.  “Non-Portfolio Loans” means a Loan (including Maxx Loans) that is not a Portfolio Loan or  Retained Loan.  1.12. Section 1.1 of the Existing Agreement is hereby amended to add the following new definitions  in alphabetical order as follows:  “Maxx Borrower” means each Borrower that is not a Standard Borrower but that is approved  for a Loan pursuant to the “Solar Credit Strategy – Maxx Loan Products” set forth on Exhibit  B, as amended, restated, supplemented, or otherwise modified from time to time in accordance  with this Agreement.        3  

 

            “Maxx Loan” means any Loan made to a Maxx Borrower and consisting of a Maxx Loan  Product.  “Maxx Loan Product” means any loan product set forth on Annex B to Exhibit A, as amended,  restated, supplemented, or otherwise modified from time to time in accordance with this  Agreement.  “Standard Borrower” means each Borrower that is approved for a Loan pursuant to the “Solar  Credit Strategy – Standard Loan Products” set forth on Exhibit B, as amended, restated,  supplemented, or otherwise modified from time to time in accordance with this Agreement.  “Standard Loan Products” means all of the loan products approved hereunder other than  Maxx Loan Products.  1.13. Exhibit A of the Existing Agreement is hereby amended (i) by adding a new Annex B to the  end thereof in the form of Annex B attached hereto and (ii) by amending and restating in its  entirety the paragraph identified as “Bank Caps” with the following:  “Bank Caps: The Bank shall not hold more than (a) $[***] of Non-Portfolio Loans and  Portfolio Loans (not including any amounts held or retained by Bank with respect to the  Required Retained Loans), (b) $[***] of Portfolio Loans (not including any amounts held or  retained by Bank with respect to the Required Retained Loans), and (c) $[***] of Maxx Loans.  1.14. Exhibit B of the Existing Agreement is hereby amended and restated in the form of Exhibit B  attached hereto.  Schedule 3.1(k) of the Existing Agreement is hereby amended to replace each reference to “5th  of each month” with “10th day of each month” following the end of the applicable reporting  month”.  2. EFFECTIVENESS OF THE AGREEMENT  2.1 Unless otherwise defined or modified in this Amendment, all capitalized words or terms used  in this Amendment shall have the definitions ascribed to such words or terms in the Existing  Agreement. From and after the effectiveness of this Amendment, references in the Existing  Agreement to “the Agreement” or words of similar effect, shall refer to the Existing Agreement  as amended by this Amendment.  2.2 Except as expressly amended and modified by this Amendment, all terms and conditions set  forth in the Existing Agreement shall remain unmodified, binding, and in full force and effect.  This Amendment as applied to the Existing Agreement and the Administration Agreement  collectively set forth the entire agreement and understanding of the Parties regarding the  particular subject matter of this Amendment, and merges and supersedes all prior or  contemporaneous agreements, discussions and correspondence pertaining to the subject matter  of this Amendment. This Amendment may be executed in counterpart copies, each of which,  and together, shall be effective as original, binding instruments. Delivery of an executed  counterpart of a signature page of this Amendment by telecopy, e-mailed .pdf or any other  electronic means that reproduces an image of the actual executed signature page shall be  effective as delivery of a manually executed counterpart of this Amendment.  2.3 This Amendment shall be governed by and construed in accordance with the laws of the State  of New York, including general obligations law Section 5-1401, but otherwise without regard  to the conflict of laws principles thereof.  [remainder of page intentionally blank]        4  

 

            IN WITNESS WHEREOF, each of the Parties hereto has caused this Amendment to be duly  executed as of the day and year first above written.    SUNLIGHT FINANCIAL LLC      By: /s/ Barry Edinburg  Name: Barry Edinburg  Title: Chief Financial Officer    CROSS RIVER BANK      By: /s/ Gilles Gade  Name: Gilles Gade  Title: Chief Executive Officer    By: /s/ Arlen Gelbard  Name: Arlen Gelbard  Title: General Counsel  

 

            Annex B  Maxx Loan Products  [***]  

 

                Exhibit B  Credit Policy and Underwriting Requirements  See attached.  [***]a1stamendmenttoloanandse

Exhibit 10.42  FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT  THIS FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT (this "Amendment"),  dated as of August 27, 2021, between SUNLIGHT FINANCIAL LLC, a Delaware limited liability  company (the "Borrower") and SILICON VALLEY BANK (the "Bank").  RECITALS:  WHEREAS, the Borrower and the Bank are party to the Loan and Security Agreement, dated as  of April 26, 2021 (as amended, restated, amended and restated, supplemented or otherwise modified from  time to time, the "Loan Agreement");  WHEREAS, the Borrower has requested  that certain amendments to the Loan Agreement be  made to the definition of "Permitted Investments";  WHEREAS, the Bank has agreed to so amend the Loan Agreement on the terms and conditions  set forth herein.  NOW, THEREFORE, in consideration of the foregoing Recitals and for other good and valuable  consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto hereby  agree as follows:  SECTION 1 Definitions; Interpretation.  (a) Definitions. All capitalized terms used in this Amendment (including in the recitals  hereof) and not otherwise defined herein shall have the meanings assigned to them in the Loan  Agreement. In addition, the following terms, when used in this Loan Amendment,  shall have the  following meanings:  (i) "Bank" has the meaning set forth in the preamble hereto; (ii) "Amendment" has the meaning set forth in the preamble hereto; (iii) "Borrower" has the meaning set forth in the preamble hereto; (iv) "Effective Date" has the meaning set forth in Section 5. (b) Interpretation. The rules of interpretation set forth in the Loan Agreement shall be applicable to this Amendment and are incorporated herein by this reference.  SECTION 2 Amendments to Loan Agreement. Subject to and effective as of the Effective Date:  (a) Permitted Investments. The definition of "Permitted Investments" set forth in Section 12.1 of the Loan Agreement is hereby amended by inserting the following paragraph in its appropriate  alphabetical order as follows:  "(u) rebates, advances, or other similar upfront payments to an Installer in accordance with the  terms and conditions of the applicable Installer Agreement, including, without limitation, (i) any  Marketing Advance Program, (ii) any Prebate Program, (iii) any Prefunded  Advance Program,  and (iv) any other program that provides for Borrower to make any such payments to such  First Amendment to Loan Agreement  sf-4556564  

 

First Amendment to Loan Agreement   Installer (A) in respect of such Installer's then-estimated future volume of Originated Customer  Loans, (B) to become the exclusive provider of Originated Customer Loans for such Installer, (C)  to obtain a "first look" or specified volume commitment in respect of such Originated Customer  Loans, or (D) to the extent Borrower determines is necessary or advisable in its reasonable  business judgment."  (b) Definitions for Permitted Investments. Section 12.1 of the Loan Agreement is hereby  amended by inserting the following paragraphs in their appropriate alphabetical order as follows:  "Early Disbursement Program" [***].  "Marketing Advance Program" [***].  "Prebate Program" [***].  (c) Updated Eligibility Definitions. The definitions of "Eligible Milestone Advances" and  "Eligible Prefunded Advances" set forth in Section 12.1 of the Loan Agreement is hereby amended and  restated in their entirety as follows:  "Eligible Milestone Advances" means, as of any date of determination, the Milestone Advances  that (a) arise in the ordinary course of Borrower's business and (b) meet all of the requirements  set forth on Exhibit C, in each case as of such date of determination; provided that (i) no portion  of a Milestone Advance that is a Refunded Deduction and (ii) no Investment described in clause  (u) of the definition of "Permitted Investments" or any Milestone Advance relating to any such  Investment, shall in each case be included as an "Eligible Milestone Advance".  "Eligible Prefunded Advances" means, as of any date of determination, the Prefunded Advances  that (a) arise in the ordinary course of Borrower's business and (b) that meet all of the  requirements set forth on Exhibit C, in each case as of such date of determination; provided that  (v) no portion of a Milestone Advance that is a Refunded Deduction and (ii) no Investment  described in clause (u) of the definition of "Permitted Investments" or any Prefunded Advance  relating to any such Investment, shall in each case be included as an "Eligible Prefunded  

 

Advance".  SECTION 3   Continuing Effect. Except as expressly provided herein, this Amendment shall not limit  or otherwise adversely affect the rights of the Borrower or the Bank under the Loan Agreement or any  other Loan Document. The Bank reserves the right to insist on strict compliance with the terms of the  Loan Agreement and each other Loan Document, and the Borrower expressly acknowledges in each case  such reservation of rights and its obligations under Section 7 hereof. The execution of this Amendment  will not, either alone or taken with other consents of provisions of the Loan Agreement or any other Loan  Document, be deemed to create or be evidence of a course of conduct. Any future or additional consents  relating to the Loan Agreement or any other Loan Document shall be effective only if set forth in a  writing separate and distinct from this Amendment and executed pursuant to Section 10.1 of the Loan  Agreement. Except as expressly provided herein, the Loan Agreement and each other Loan Document  shall remain in full force and effect, without further amendment or modification.  SECTION 4 Representations and Warranties. To induce the other parties hereto to enter into this  Amendment, the Borrower hereby represents and warrants to each other party hereto that, as of the  Effective Date: (a) the Amendment has been duly authorized, executed and delivered by it and each of  this Amendment, the Loan Agreement (as amended hereby on the Effective Date) and the Loan  Documents constitutes its legal, valid and binding obligation, enforceable against it in accordance with its  terms, except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization,  moratorium or similar laws affecting the enforcement of creditors' rights generally and by general  equitable principles (whether enforcement is sought by proceedings in equity or at law); (b) after giving  effect to this Amendment and the transactions contemplated by this Amendment, no Default or Event of  Default has occurred and is continuing; (c) the execution, delivery and performance of this Amendment  and the performance of the Loan Agreement (as amended hereby on the Effective Date) shall not (i)  violate its Operating Documents or the Loan Documents, (ii) violate any Requirement of Law,  Governmental Approval or any contractual obligation of the Borrower and (iii) will not result in, or  require, the creation or imposition of any Lien on any of its properties or revenues pursuant to its  Operating Documents, any Requirement of Law, any Governmental Approval or any such contractual  obligation (other than the Liens created by the Loan Documents in favor of the Bank); and (d) each of the  representations and warranties made by the Borrower in or pursuant to the Loan Documents shall be true  and correct in all material respects on and as of the Effective Date (except to (A) the extent made as of a  specific date, in which case such representation and warranty shall be true and correct in all material  respects on and as of such specific date and (B) representations and warranties qualified by materiality  shall be true and correct in all respects).  SECTION 5 Conditions to Effectiveness. This Amendment shall be effective upon the date (the  "Effective Date") that the Borrower has delivered the following conditions precedent to the Bank, in form  and substance satisfactory to the Bank:  (a) The Bank shall have received duly executed counterparts hereof that, when taken  together, bear the signatures of the Borrower and the Bank.  (b) The Borrower shall have paid all costs, fees and other amounts due and payable to the  Bank, including the reimbursement or payment of reasonable and documented out-of-pocket expenses of  the Bank, including the reasonable and documented out-of-pocket fees, charges and disbursements of  counsel for the Bank, in each case as required to be paid or reimbursed pursuant to the Loan Agreement.  SECTION 6 Reaffirmation. By executing and delivering a counterpart hereof, (a) the Borrower  hereby agrees that all Loans incurred by the Borrower shall be secured pursuant to the Loan Documents  in accordance with the respective terms and provisions thereof and (b) the Borrower hereby (i) agrees  First Amendment to Loan Agreement  

 

First Amendment to Loan Agreement   that, notwithstanding the effectiveness of this Amendment, after giving effect to this Amendment, the  Loan Documents continue to be in full force and effect, (ii) agrees that all of the Liens and security  interests created and arising under each Loan Document remain in full force and effect on a continuous  basis, and the perfected status and priority of each such Lien and security interest continues in full force  and effect on a continuous basis, unimpaired, uninterrupted and undischarged, as collateral security for its  obligations, liabilities and indebtedness under the Loan Agreement, in each case, to the extent provided  in, and subject to the limitations and qualifications set forth in, such Loan Documents (as amended by this  Amendment) and  (iii) affirms  and confirms all of its  obligations,  liabilities and indebtedness  under the  Loan Agreement and each other Loan Document, in each case after giving effect to this Amendment,  including its pledge of and/or grant of a security interest in its assets as Collateral pursuant to the Loan  Documents to secure such Obligations, all as provided in the Loan Documents, and acknowledges and  agrees that such obligations, liabilities, guarantee, pledge and grant continue in full force and effect in  respect of, and to secure, such Obligations under the Loan Agreement and the other Loan Documents, in  each case, to the extent provided in, and subject to the limitations and qualifications set forth in, such  Loan Documents (as amended by this Amendment).  SECTION 7   Miscellaneous.  (a) Governing Law: Submission to Jurisdiction. THIS AMENDMENT IS SUBJECT TO  THE PROVISIONS OF SECTION 10 OF THE LOAN AGREEMENT, THE PROVISIONS OF WHICH  ARE BY THIS REFERENCE INCORPORATED HEREIN IN FULL AND SHALL APPLY MUTATIS  MUTANDIS AS IF SET FORTH HEREIN.  (b) Loan Agreement Otherwise Not Affected. Except as expressly amended pursuant hereto,  the Loan Agreement and the other Loan Documents shall remain unchanged and in full force and effect  and are hereby ratified and confirmed in all respects. The execution and delivery or acknowledgement (as  applicable) of this Amendment by the Bank shall not be deemed to create a course of dealing or otherwise  create any express or implied duty by any such person to provide any other or further amendments,  consents or waivers in the future (including any such other or further amendments, waivers or consents  that may be the same or similar to any of those contemplated herein).  (c) Binding Effect. This Amendment shall be binding upon and inure to the benefit of and  be enforceable by the parties hereto and their respective permitted successors and assigns.  (d) Complete Agreement: Amendments. This Amendment together with the other Loan  Documents represent the entire agreement of the Borrower and the Bank with respect to the subject matter  hereof and thereof, and there are no promises, undertakings, representations or warranties by the Bank  relative to the subject matter hereof not expressly set forth or referred to herein or in the other Loan  Documents. This Amendment may not be modified, amended or otherwise altered except in accordance  with the terms of Section 11.6 of the Loan Agreement.  (e) Severability. Any provision of this Agreement that is prohibited or unenforceable in any  jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or  unenforceability without invalidating the remaining provisions hereof, and any such prohibition or  unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any  other jurisdiction.  (f) Counterparts. This Amendment may be executed by one or more of the parties to this  Amendment on any number of separate counterparts, and all of said counterparts taken together shall be  deemed to constitute one and the same instrument. Delivery of an executed signature page of this  Amendment by facsimile or other electronic mail transmission shall be effective as delivery of a manually  

 

First Amendment to Loan Agreement   executed counterpart hereof.  (g) Interpretation. This Amendment is the result of negotiations between and has been  reviewed by counsel to Borrower. Accordingly, this Amendment shall not be construed against the Bank  merely because of its involvement in the preparation thereof.  (h) Loan Document. This Amendment shall constitute a Loan Document.    [Signature pagesfollow]  

 

First Amendment to Loan Agreement     IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed as  of the date first above written.    BORROWER:    SUNLIGHT FINANCIAL LLC    By: /s/ Barry Edinburg  Name: Barry Edinburg  Title: CFO  

 

First Amendment to Loan Agreement   BANK:   SILICON VALLEY BANK    By: /s/ Josh Wagner  Name: Josh Wagner  Title: Vice President

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