Document:

Exhibit 10.6

Final Terms dated 14 December 2009

 

 

LBG Capital No.1 plc

U.S.$1,258,631,000 8.00 per cent. Fixed-to-Floating Rate Undated Enhanced Capital Notes (the “ECNs”)

under the £5,000,000,000 Enhanced Capital Note Programme

unconditionally and irrevocably guaranteed by

 

Lloyds Banking Group plc

 

PART A — CONTRACTUAL TERMS

 

Terms used herein shall be deemed to be defined as such for the purposes of the Conditions (the “Conditions”) set forth in the Prospectus dated 1 December 2009 which constitutes a base prospectus for the purposes of the Prospectus Directive (Directive 2003/71/EC) (the “Prospectus Directive”). This document constitutes the Final Terms of the ECNs described herein for the purposes of Article 5.4 of the Prospectus Directive and must be read in conjunction with such Prospectus. Full information on LBG Capital No.1 plc and Lloyds Banking Group plc and the offer of the ECNs is only available on the basis of the combination of these Final Terms and the Prospectus. The Prospectus is available for viewing at, and copies may be obtained from, Lloyds Banking Group plc at 25 Gresham Street, London EC2V 7HN.

 

THE ECNS HAVE NOT BEEN AND WILL NOT BE REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND THE ECNS ARE BEING OFFERED AND WILL BE ISSUED ONLY TO (I) “QUALIFIED INSTITUTIONAL BUYERS”, AS THAT TERM IN DEFINED IN RULE 144A, IN A PRIVATE TRANSACTION IN RELIANCE UPON AN EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT OR TO (II) PERSONS OTHER THAN “U.S. PERSONS”, AS THAT TERM IS DEFINED IN RULE 902 UNDER THE SECURITIES ACT, IN OFFSHORE TRANSACTIONS IN RELIANCE UPON REGULATION S.

 

	
1

	
Issuer:

	
LBG Capital No.1 plc

	
2

	
Guarantor:

	
Lloyds Banking Group plc

	
3

	
(i)     Series Number:

	
1

	  	
(ii)    Tranche Number:

	
1

	
4

	
Dated/Undated ECNs:

	
Undated ECNs

	
5

	
Specified Currency or Currencies:

	
U.S. dollars (“U.S.$”)

	
6

	
Aggregate Nominal Amount:

	  
	  	
(i)     Series:

	
U.S.$1,258,631,000

	  	
(ii)    Tranche:

	
U.S.$1,258,631,000

	
7

	
(i)     Specified Denominations:

	
U.S.$100,000 plus integral multiples of U.S.$1,000 in excess thereof up to and including U.S.$199,000. No ECNs in definitive form will be issued with a denomination above U.S.$199,000

	  	
(ii)    Calculation Amount:

	
U.S.$1,000

	
8

	
(i)     Issue Date:

	
15 December 2009

	  	
(ii)    Interest Commencement Date:

	
Issue Date

	
9

	
Maturity Date:

	
Not Applicable

	
10

	
Interest Basis:

	
In respect of the period from (and including) the Issue Date to (but excluding) 15 June 2020 (the “First Optional Redemption Date”), 8.00 per cent.

 

 

  

1

  

 

	  	  	
per annum Fixed Rate (the “Fixed Rate Interest Period”). In respect of the period from (and including) the First Optional Redemption Date, 3-month U.S.$ LIBOR plus 6.405 per cent. per annum Floating Rate (the “Floating Rate Interest Period”)

	  	  	
(further particulars specified below)

	
11

	
Redemption/Payment Basis:

	
Redemption at par

	
12

	
Change of Interest or Redemption/Payment Basis:

	
See paragraph 10 above

	
13

	
Call Options:

	
Issuer Call Option, Redemption Due to Taxation and Redemption For Regulatory Purposes

	  	  	
(further particulars specified below)

	
14

	
Status of the ECNs:

	
Subordinated as described in Condition 3(b)

	
15

	
Status of the Guarantee:

	
Subordinated as described in Condition 4(b)

	
16

	
Method of distribution:

	
Non-syndicated

	
PROVISIONS RELATING TO INTEREST PAYABLE

	
17

	
Fixed Rate ECN Provisions

	
Applicable

	  	
(i)      Rates of Interest:

	
In respect of Interest Payment Dates falling in the Fixed Rate Interest Period, 8.00 per cent. per annum payable semi-annually in arrear

	  	
(ii)      Interest Payment Dates:

	
15 June and 15 December in each year from (and including) 15 June 2010 to (and including) the First Optional Redemption Date

	  	
(iii)     Fixed Coupon Amounts:

	
In respect of Interest Payment Dates falling in the Fixed Rate Interest Period, U.S.$40.00 per Calculation Amount

	  	
(iv)     Day Count Fraction:

	
30/360

	  	
(v)      Determination Dates:

	
Not Applicable

	  	
(vi)     Other terms relating to the method of calculating interest for Fixed Rate ECNs:

	
Not Applicable

	
18

	
Floating Rate ECN Provisions

	
Applicable

	  	
(i)     Interest Period(s):

	
The period from (and including) the First Optional Redemption Date to (but excluding) the next Interest Payment Date and each successive period thereafter from (and including) one Interest Payment Date to (but excluding) the next Interest Payment Date, in each case subject to adjustment in accordance with the Business Day Convention specified below

	  	
(ii)    Specified Interest Payment Dates:

	
15 March, 15 June, 15 September and 15 December in each year from (and including) 15 September 2020

 

  

2

  

 

 

	  	
(iii)     Interest Period Date:

	
Not Applicable

 

	  	
(iv)     Business Day Convention:

	
Modified Following Business Day Convention

	  	
(v)     Business Centre(s):

	
London and New York

	  	
(vi)     Manner in which the Rate(s) of Interest is/are to be determined:

	
Screen Rate Determination

	  	
(vii)    Party responsible for calculating the Rate(s) of Interest and Interest Amount(s) (if not the Issuing and Paying Agent):

	
Issuing, Paying and Conversion Agent

	  	
(viii)    Screen Rate Determination:

	  
	  	
–    Reference Rate:

	
3-month U.S.$ LIBOR

	  	
–    Interest Determination Date(s):

	
The second New York and London business day prior to the commencement of the Interest Period for which such rate shall apply

	  	
–    Relevant Screen Page:

	
Reuters Page LIBOR 01

	  	
(ix)     Margin(s):

	
+6.405 per cent. per annum

	  	
(x)      Minimum Rate of Interest:

	
Not Applicable

	  	
(xi)     Maximum Rate of Interest:

	
Not Applicable

	  	
(xii)    Day Count Fraction:

	
Actual/360

	  	
(xiii)   Fall back provisions, rounding provisions, denominator and any other terms relating to the method of calculating interest on Floating Rate ECNs, if different from those set out in the Conditions:

	
Not Applicable

	
19

	
Interest on Deferred Interest Payments and Deferred Accrued Conversion Interest

	
Yes

	  	
Rate of interest and compounding basis:

	
At the then prevailing Rate of Interest on the ECNs compounded annually

	
20

	
Fixed/Floating Rate ECN Provisions

	
Applicable

	  	
(i)    Fixed Interest Rate Period:

	
The period from (and including) the Issue Date to (but excluding) the First Optional Redemption Date

	  	
(ii)    Floating Interest Rate Period:

	
The period from (and including) the First Optional Redemption Date

	
PROVISIONS RELATING TO CONVERSION

	
21

	
Conversion Price

	
GBP 0.592093

	  	
(subject to adjustment as provided in the Deed Poll)

	  
	
PROVISIONS RELATING TO REDEMPTION

	
22

	
Issuer Call Option

	
Applicable

 

 

  

3

  

 

	  	
(i)      Optional Redemption Date(s):

	
First Optional Redemption Date and each Interest Payment Date thereafter

	  	
(ii)     Optional Redemption Amount(s) or method of calculation of such amount(s):

	
U.S.$1,000 per Calculation Amount

	
23

	
Redemption Due to Taxation

	
Applicable

	  	
Tax Event Redemption Price:

	
U.S.$1,000 per Calculation Amount

	
24

	
Redemption For Regulatory Purposes

	
Applicable

	  	
Capital Disqualification Event Redemption Price:

	
U.S.$1,000 per Calculation Amount

	
25

	
Make Whole Redemption Price

	
Not Applicable

	
26

	
Final Redemption Amount

	
Not Applicable

	
GENERAL PROVISIONS APPLICABLE TO THE NOTES

	
27

	
Form of ECNs:

	
Registered ECNs:

	  	  	
Unrestricted and Restricted Global Certificates – Euroclear/Clearstream Luxembourg

	
28

	
Financial Centre(s) or other special provisions relating to payment dates:

	
New York and London

	
29

	
Talons for future Coupons or Receipts to be attached to Definitive Notes (and dates on which such Talons mature):

	
No

	
30

	
Redenomination, renominalisation and reconventioning provisions:

	
Not Applicable

	
31

	
Consolidation provisions:

	
Not Applicable

	
32

	
Additional U.S. Federal Tax Considerations:

	
Not Applicable

	
33

	
Other final terms:

	
Not Applicable

	
DISTRIBUTION

	
34

	
(i) If syndicated, names of Managers:

	
Not Applicable

	  	
(ii) Stabilising Manager(s) (if any):

	
Not Applicable

	
35

	
If non-syndicated, name of Dealer:

	
Lloyds TSB Bank plc (acting through Lloyds TSB Corporate Markets)

	
36

	
U.S. Selling Restrictions:

	
Privately placed and not eligible for resale under Rule 144A

	
37

	
Additional selling restrictions:

	
Not Applicable

 

 

LISTING AND ADMISSION TO TRADING APPLICATION

 

These Final Terms comprise the final terms required for issue and admission to trading of the ECNs described herein pursuant to the £5,000,000,000 Enhanced Capital Note Programme of LBG Capital No.1 plc and LBG Capital No.2 plc.

 

  

4

  

 

RESPONSIBILITY OF THE ISSUER

 

 

LBG Capital No.1 plc accepts responsibility for the information contained in these Final Terms.

 

 

	
Signed on behalf of LBG Capital No.1 plc:

 

 

	
By: .....................................

	
Duly authorised

 

RESPONSIBILITY OF THE GUARANTOR

 

Lloyds Banking Group plc accepts responsibility for the information contained in these Final Terms.

 

 

	
Signed on behalf of Lloyds Banking Group plc:

 

 

	

By: .....................................                                                

	
Duly authorised

 

 

  

5

  

PART B — OTHER INFORMATION

 

	
1

	
LISTING

	  
	  	
(i)     Listing:

	
London

	  	
(ii)    Admission to trading:

	
Application has been made for the ECNs to be admitted to trading on the regulated market of the London Stock Exchange with effect from 15 December 2009

	  	
(iii)    Estimate of total expenses related to admission to trading:

	
£4,200

	  	
(iv)    Listing Agent:

	
The Bank of New York Mellon

	
2

	
RATINGS

	  
	  	
Ratings:

	
The ECNs to be issued are expected to be rated:

	  	  	
Fitch: BB

	  	  	
S&P: B+

	
3

	
NOTIFICATION

	  
	  	
Not Applicable

	
4

	
INTERESTS OF NATURAL AND LEGAL PERSONS INVOLVED IN THE OFFER

	  	
So far as LBG Capital No.1 plc is aware, no person involved in the offer of the ECNs has an interest material to the offer.

	
5

	
REASONS FOR THE OFFER, ESTIMATED NET PROCEEDS AND TOTAL EXPENSES

	  	
(i)     Reasons for the offer:

	
General business purposes of Lloyds Banking Group

	  	
(ii)    Estimated net proceeds:

	
Not Applicable

	  	
 (iii)    Estimated total expenses:

	
Not Applicable

	
6

	
OPERATIONAL INFORMATION

	  	
ISIN Code:

	
Restricted Global Certificate:

XS0473106283

Unrestricted Global Certificate:

XS0471767276

	  	
Common Code:

	
Restricted Global Certificate:

047310628

Unrestricted Global Certificate:

047176727

	  	
Any clearing system(s) other than Euroclear Bank S.A./N.V. and Clearstream Banking, société anonyme (including the Depository Trust Company) and the relevant identification number(s):

	
Not Applicable

	  	
Delivery:

	
Delivery free of payment

	  	
Names and addresses of additional Paying Agent(s) (if any):

	
Not Applicable

 

6EXHIBIT 10.7

 

Final Terms dated 16 December 2009

 

LBG Capital No.1 plc

U.S.$276,658,000 8.50 per cent. Fixed-to-Floating Rate Undated Enhanced Capital Notes (the “ECNs”)

under the £5,000,000,000 Enhanced Capital Note Programme

unconditionally and irrevocably guaranteed by

 

Lloyds Banking Group plc

 

PART A — CONTRACTUAL TERMS

 

Terms used herein shall be deemed to be defined as such for the purposes of the Conditions (the “Conditions”) set forth in the Prospectus dated 1 December 2009 which constitutes a base prospectus for the purposes of the Prospectus Directive (Directive 2003/71/EC) (the “Prospectus Directive”). This document constitutes the Final Terms of the ECNs described herein for the purposes of Article 5.4 of the Prospectus Directive and must be read in conjunction with such Prospectus. Full information on LBG Capital No.1 plc and Lloyds Banking Group plc and the offer of the ECNs is only available on the basis of the combination of these Final Terms and the Prospectus. The Prospectus is available for viewing at, and copies may be obtained from, Lloyds Banking Group plc at 25 Gresham Street, London EC2V 7HN.

 

THE ECNS HAVE NOT BEEN AND WILL NOT BE REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND THE ECNS ARE BEING OFFERED AND WILL BE ISSUED ONLY TO (I) “QUALIFIED INSTITUTIONAL BUYERS”, AS THAT TERM IN DEFINED IN RULE 144A, IN A PRIVATE TRANSACTION IN RELIANCE UPON AN EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT OR TO (II) PERSONS OTHER THAN “U.S. PERSONS”, AS THAT TERM IS DEFINED IN RULE 902 UNDER THE SECURITIES ACT, IN OFFSHORE TRANSACTIONS IN RELIANCE UPON REGULATION S.

 

 

	
1

	
Issuer:

	
LBG Capital No.1 plc

	
2

	
Guarantor:

	
Lloyds Banking Group plc

	
3

	
(i)   Series Number:

	
2

	  	
(ii)  Tranche Number:

	
1

	
4

	
Dated/Undated ECNs:

	
Undated ECNs

	
5

	
Specified Currency or Currencies:

	
U.S. dollars (“U.S.$”)

	
6

	
Aggregate Nominal Amount:

	  
	  	
(i)   Series:

	
U.S.$276,658,000

	  	
(ii)  Tranche:

	
U.S.$276,658,000

	
7

	
(i)   Specified Denominations:

	
U.S.$100,000 plus integral multiples of U.S.$1,000 in excess thereof up to and including U.S.$199,000. No ECNs in definitive form will be issued with a denomination above U.S.$199,000

	  	
(ii)  Calculation Amount:

	
U.S.$1,000

	
8

	
(i)   Issue Date:

	
17 December 2009

	  	
(ii)  Interest Commencement Date:

	
Issue Date

	
9

	
Maturity Date:

	
Not Applicable

	
10

	
Interest Basis:

	
In respect of the period from (and including) the Issue Date to (but excluding) 17 December 2021 (the “First Optional Redemption Date”), 8.50 per

 

  

1

  

 

	 	  	
cent. per annum Fixed Rate (the “Fixed Rate Interest Period”). In respect of the period from (and including) the First Optional Redemption Date, 3-month U.S.$ LIBOR plus 6.921 per cent. per annum Floating Rate (the “Floating Rate Interest Period”)

	  

 

	  	
(further particulars specified below)

	
11

	
Redemption/Payment Basis:

	
Redemption at par

	
12

	
Change of Interest or Redemption/Payment Basis:

	
See paragraph 10 above

	13	
Call Options:

	
Issuer Call Option, Redemption Due to Taxation and Redemption For Regulatory Purposes

	 	  	
(further particulars specified below)

	
14

	
Status of the ECNs:

	
Subordinated as described in Condition 3(b)

	
15

	
Status of the Guarantee:

	
Subordinated as described in Condition 4(b)

	
16

	
Method of distribution:

	
Non-syndicated

	 
	PROVISIONS RELATING TO INTEREST PAYABLE
	 
	 	
Fixed Rate ECN Provisions

	
Applicable

	
17

	
(i)     Rates of Interest:

	
In respect of Interest Payment Dates falling in the Fixed Rate Interest Period, 8.50 per cent. per annum payable semi-annually in arrear

	 	
(ii)    Interest Payment Dates:

	
17 June and 17 December in each year from (and including) 17 June 2010 to (and including) the First Optional Redemption Date

	 	
(iii)   Fixed Coupon Amounts:

	
In respect of Interest Payment Dates falling in the Fixed Rate Interest Period, U.S.$42.50 per Calculation Amount

	 	
(iv)   Day Count Fraction:

	
30/360

	 	
 (v)   Determination Dates:

	
Not Applicable

	 	
(vi)  Other terms relating to the method of calculating interest for Fixed Rate ECNs:

	
Not Applicable

	18	
Floating Rate ECN Provisions

	
Applicable

	 	
(i)   Interest Period(s):

	
The period from (and including) the First Optional Redemption Date to (but excluding) the next Interest Payment Date and each successive period thereafter from (and including) one Interest Payment Date to (but excluding) the next Interest Payment Date, in each case subject to adjustment in accordance with the Business Day Convention specified below

	 	
(ii)   Specified Interest Payment Dates:

	
17 March, 17 June, 17 September and 17 December in each year from (and including) 17 March 2022

  

2

  

 

	  	(iii)	
Interest Period Date:

	
Not Applicable

	  	(iv) 	
Business Day Convention:

	
Modified Following Business Day Convention

	  	(v)  	
Business Centre(s):

	
London and New York

	  	(vi)	
Manner in which the Rate(s) of Interest is/are to be determined:

	
Screen Rate Determination

	  	(vii) 	
Party responsible for calculating the Rate(s) of Interest and Interest Amount(s) (if not the Issuing and Paying Agent):

	
Issuing, Paying and Conversion Agent

	  	(viii)	
Screen Rate Determination:

	  
	  	 	
– Reference Rate:

	
3-month U.S.$ LIBOR

	  	 	
– Interest Determination Date(s):

	
The second New York and London business day prior to the commencement of the Interest Period for which such rate shall apply

	  	 	
– Relevant Screen Page:

	
Reuters Page LIBOR 01

	  	(ix)	
Margin(s):

	
+6.921 per cent. per annum

	  	(x)	
Minimum Rate of Interest:

	
Not Applicable

	  	(xi) 	
Maximum Rate of Interest:

	
Not Applicable

	  	(xii) 	
Day Count Fraction:

	
Actual/360

	  	 (xiii) 	
Fall back provisions, rounding provisions, denominator and any other terms relating to the method of calculating interest on Floating Rate ECNs, if different from those set out in the Conditions:

	
Not Applicable

 

	
19

	
Interest on Deferred Interest Payments and 

Deferred Accrued Conversion Interest

	
Yes

	  	
Rate of interest and compounding basis:

	
At the then prevailing Rate of Interest on the ECNs compounded annually

	
20

	
Fixed/Floating Rate ECN Provisions

	
Applicable

	 	(i)      Fixed Interest Rate Period:	The period from (and including) the Issue Date to (but excluding) the First Optional Redemption Date
	 	
(ii)     Floating Interest Rate Period:

	
The period from (and including) the First Optional Redemption Date

	
PROVISIONS RELATING TO CONVERSION

	
21

	
Conversion Price

	
GBP 0.592093

	  	
(subject to adjustment as provided in the Deed Poll)

	  
	
PROVISIONS RELATING TO REDEMPTION

	
22

	
Issuer Call Option

	
Applicable

 

  

3

  

 

	  	
(i)      Optional Redemption Date(s):

	
First Optional Redemption Date and each Interest Payment Date thereafter

	  	
(ii)     Optional Redemption Amount(s) or method of calculation of such amount(s):

	
U.S.$1,000 per Calculation Amount

	
23

	
Redemption Due to Taxation

	
Applicable

	  	
Tax Event Redemption Price:

	
U.S.$1,000 per Calculation Amount

	
24

	
Redemption For Regulatory Purposes

	
Applicable

	  	
Capital Disqualification Event Redemption Price:

	
U.S.$1,000 per Calculation Amount

	
25

	
Make Whole Redemption Price

	
Not Applicable

	
26

	
Final Redemption Amount

	
Not Applicable

	
GENERAL PROVISIONS APPLICABLE TO THE NOTES

	
27

	
Form of ECNs:

	
Registered ECNs:

	  	  	
Unrestricted and Restricted Global Certificates – Euroclear/Clearstream Luxembourg

	
28

	
Financial Centre(s) or other special provisions relating to payment dates:

	
New York and London

	
29

	
Talons for future Coupons or Receipts to be attached to Definitive Notes (and dates on which such Talons mature):

	
No

	
30

	
Redenomination, renominalisation and reconventioning provisions:

	
Not Applicable

	
31

	
Consolidation provisions:

	
Not Applicable

	
32

	
Additional U.S. Federal Tax Considerations:

	
Not Applicable

	
33

	
Other final terms:

	
Not Applicable

	
DISTRIBUTION

	
34

	
(i) If syndicated, names of Managers:

	
Not Applicable

	  	
(ii) Stabilising Manager(s) (if any):

	
Not Applicable

	
35

	
If non-syndicated, name of Dealer:

	
Lloyds TSB Bank plc (acting through Lloyds TSB Corporate Markets)

	
36

	
U.S. Selling Restrictions:

	
Privately placed and not eligible for resale under Rule 144A

	
37

	
Additional selling restrictions:

	
Not Applicable

 

LISTING AND ADMISSION TO TRADING APPLICATION

 

These Final Terms comprise the final terms required for issue and admission to trading of the ECNs described herein pursuant to the £5,000,000,000 Enhanced Capital Note Programme of LBG Capital No.1 plc and LBG Capital No.2 plc.

 

  

4

  

 

RESPONSIBILITY OF THE ISSUER

 

LBG Capital No.1 plc accepts responsibility for the information contained in these Final Terms.

 

	
Signed on behalf of LBG Capital No.1 plc:

	 
	 
	
By:                                                     

	 
	
Duly authorised

 

RESPONSIBILITY OF THE GUARANTOR

 

Lloyds Banking Group plc accepts responsibility for the information contained in these Final Terms.

 

 

	
Signed on behalf of Lloyds Banking Group plc:

	 
	 
	
By:                                                     

	 
	
Duly authorised

 

  

5

  

 

PART B — OTHER INFORMATION

 

	
1 

	
LISTING

	 
	 	
   (i)    Listing:

	
London

	  	
   (ii)   Admission to trading:

 

	
Application has been made for the ECNs to be admitted to trading on the regulated market of the London Stock Exchange with effect from 17 December 2009

	 	
   (iii)  Estimate of total expenses related to admission to 

trading:

	
£4,150

	 	
   (iv)  Listing Agent:

	
The Bank of New York Mellon

	
2

	
RATINGS

	  
	  	
Ratings:

	
The ECNs to be issued are expected to be rated:

	  	  	
Fitch: BB

	  	  	
S&P: B+

	
3 

	
NOTIFICATION

	  
	  	
Not Applicable

	
4 

	
INTERESTS OF NATURAL AND LEGAL PERSONS INVOLVED IN THE OFFER

	  	
So far as LBG Capital No.1 plc is aware, no person involved in the offer of the ECNs has an interest material to the offer.

	
5 

	
REASONS FOR THE OFFER, ESTIMATED NET PROCEEDS AND TOTAL EXPENSES

	 	
   (i)    Reasons for the offer:

	
General business purposes of Lloyds Banking Group

	  	
   (ii)   Estimated net proceeds:

	
Not Applicable

	  	
   (iii)  Estimated total expenses:

	
Not Applicable

	
6

	
OPERATIONAL INFORMATION

	  	
ISIN Code:

	
Restricted Global Certificate:

XS0473103348

Unrestricted Global Certificate:

XS0471770817

	  	
Common Code:

	
Restricted Global Certificate:

047310334

Unrestricted Global Certificate:

047177081

	  	
Any clearing system(s) other than Euroclear Bank S.A./N.V. and Clearstream Banking, société anonyme (including the Depository Trust Company) and the relevant identification number(s):

	
Not Applicable

	  	
Delivery:

	
Delivery free of payment

	  	
Names and addresses of additional Paying Agent(s) (if any):

	
Not Applicable

 

6

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