real rewards bank islam
9. … 2.With information provided by Bank Islam Contact Center, click “Forgot Password”. 7: Keep your receipt for … Rewards points expiry: N/A. Featured Credit Cards. See our User Agreement and Privacy Policy. In Islam, lenders are encouraged to relieve the borrower from their indebtedness as an act of charity if the borrower is suffering financially. In return, the client pays monthly installments to the bank, mainly composed of two payments. Rakaan Kayali is the author @ Practical Islamic Finance (https://practicalislamicfinance.com/) and founder @ BFF Income Share Funding (https://fundmebff.com/). When you apply for Bank Islam Platinum Visa Credit Card-i. LEARN MORE . HSBC Visa Signature Card. Read on to see all the details. We specialise in creating tools and products designed to support business growth. “Since our inception in 1983, Bank Islam has grown from strength-to-strength as Malaysia’s first Islamic bank. The debts are not results of … All rights reserved. HSBC Amanah MPower Platinum Credit Card-i. These include rewards, cashback, air miles, and others. 5.Open the email that you have received. , one should only open a credit card if having one is a necessity for them and they can find no alternatives. But the thing how to earn halal if you work on a ban k? As it relates to the question of whether or not credit card rewards and cash-back are. As a member of the Dubai Islamic Bank Al Islami Gold Credit Card, you can get instant access to the DIB Loyalty Program that is known as Wala’a Rewards Program. However, Islamic credit cards offer some advantages that conventional cards don’t have. Can a person avail Cash back offer from a non-islamic bank? LEARN MORE . That being said, conventional cards are associated with great debts that people get themselves into. Bank Islam Internship Programme An Opportunity to gain an invaluable experience and unique insights into the world of Islamic Banking. This indicates the special status and importance of prayer as … Click here to browse our catalogue and redeem points. Amal. !’ CAMPAIGN . When you apply for Bank Islam Platinum MasterCard Credit-i. Web Slice Gallery Free Hotmail BANK@M TRUREWARDS Home Promotions Apply for Cards TRUREWARDS Spend Search by category Earn . Interest Rate 15% p.a. In Islam, lenders are encouraged to relieve the borrower from their indebtedness as an act of charity if the borrower is suffering financially. Empowering community beyond business. Bank Islam Malaysia Berhad (No. Home : True Rewards : Bank Islam - Windows Internet Explorer trurewards.bankjslam.com.my Tools Help View Favorites Favorites Suggested Sites Home True Rewards Bank Islam O McAfee. TruRewards Loyalty Programme; Earn Spend; 1 point on every RM1: on all local and overseas retail expenses: Travel. Opinion: Muslim Rulers Really Need to Read Machiavelli’s The Prince. Find Out More A WORLD OF REWARDS … Interest Rate 15% p.a. … Berhati-hati terhadap e-mel penipuan, panggilan telefon palsu atau SMS yang meminta … **Transaction is done on real-time basis from Agent’s premise to Bank Islam Head Office**. Is bank job halal or har The Virtues and Rewards of Prayer in Islam Publish date: 09/04/2020; Section: The Prayer ; Rate: 56949 0 2852. In my article Credit Cards: Halal or Haram? 10,000 TruPoints = 1,000 Enrich Miles (For all Bank Islam credit cards except Bank Islam Visa Infinite Business Credit Card-i) For more information, a) Please visit https://trurewards.bankislam.com.my. Salary RM3,000.00. It is completely free from "riba" or "gharar" that means there … Looks like you’ve clipped this slide to already. © Bank Islam Malaysia Berhad (98127 - X). Praise be to Allah. Bank Job is one of the most discussed topic in the Islamic context. He was the only student in his graduating class to receive the honor “With Distinction in Finance” for research he did and published at The Ohio State University entitled “The viability of Islamic finance as a substitute for interest-based banking”. The Muslim Vibe is a non-profit media platform aiming to inspire, inform and empower Muslims like you. Are credit card rewards halal? Rewards. Dont act upon spoof e-mail. With Bank Islam TruRewards you can now redeem your TruPoints to enjoy the latest in home and electrical appliances, and many more great merchandises you’ve been dreaming about. Earn your way to redeem cool gadgets, appliances and more with Bank Islam's TruRewards Loyalty Programme! Welcome to MYNIC Whois Server.-----For alternative search, whois -h whois.domainregistry.my xxxxx#option Type the command as below for display help: whois -h whois.domainregistry.my help#h-----SEARCH BY DOMAIN NAME a [Domain Name] bankislam.com.my b [Registration No.] Bank Islam Cards. © Bank Islam Malaysia Berhad (98127 - X). Righteousness is not that you turn your faces toward the east or the west, but [true] righteousness is [in] one who believes in Allah, the Last Day, the angels, the Book, and the prophets and gives wealth, in spite of love for it, to relatives, orphans, the needy, the traveler, those who ask [for … Muslim narrated in his Saheeh (1598) that Jabir (may Allah be pleased with him) said: “The Messenger of Allah (peace and blessings of Allah be upon him) cursed the one who consumes riba, the one who pays it, the one who writes it down and the two who witness it, and he said: they are all the same”. A notification will appear for you to check your email. Deposit and Financing Rates for various Bank Islam … Get latest promotions and freebies from Bank Islam Do a balance transfer with p.a to your account for more cash in hand! He said winning the Al-Mansor Excellence Award signifies a good start for Bank Islam in 2020 and would motivate them to work harder in achieving greater heights. The most exciting change is the introduction of Real-Time Rewards for the US Bank Cash+, which I have used a few times on my US Bank Altitude Reserve Credit Card. a. b. If you have any enquiries, please contact the Bank at: Bank Islam Card Centre Level 24, Menara Bank Islam, No 22, Jalan Perak, 50450 Kuala Lumpur Telephone: 03-2726 7666 Fax: 03-2726 7606 E-mail: … Good Deeds and Rewards
Islam
2. Al-Awfar Investment Account. Save more with our non-compounding charges credit cards. Min. If you live in the United States and you’ve made the mistake of accumulating a balance on your credit card which you are now paying interest on, you can stop paying interest and refinance with BFF Income Share Funding, we offer halal financing with income-based repayments designed to always stay affordable. Your support can help us in the fight against Islamophobia, by building a powerful platform for young Muslims who can share their ideas, experiences and opinions for a better future. Pengiktirafan tersebut merupakan yang kedua dirangkul Bank Islam selepas menerimanya kali pertama pada 2015. Terms and Conditions | Privacy Policy Company status Active Company type Private limited Company Incorporated on 31 … For many people, credit cards have been the most convenient way to pay for their expenses. LEARN MORE . With challenges and much potential in the market, we are committed to innovating and offering Shariah … Following are the key benefits of Al Islami Gold Credit Card offered by the Dubai Islamic Bank: Wala’a Rewards - DIB Loyalty Program. 1. Bank Islam. Citi Clear Credit Card. All of our products and tools are flexible, cost effective and designed to work around your company needs. All rights reserved. So, as a borrower you are being relieved of part of your indebtedness. As such, when you receive credit card rewards, the lending bank is relieving you, the borrower, of part of your indebtedness. I mentioned that because opening a credit card requires one to sign a contract in which they agree to pay interest under certain circumstances, and because interest on debt perfectly meets the definition of prohibited riba in Islam, one should only open a credit card if having one is a necessity for them and they can find no alternatives. Our goal is to provide a space for young Muslims to learn about their faith as well as news stories affecting them, so we can reclaim the Muslim narrative from the mainstream. Where can I get further information? I think it’s important to point out the following, in that credit card companies offer rewards for two reasons: 1) They get paid every time you use their credit card, whether you pay interest or not, through the fees they charge the merchant you are purchasing from. I also mentioned that one should only use a credit card if they already have the cash to pay off their credit card immediately and they do so. 2) The more frequently you use your credit card, the more likely you are to carry a balance on it and, in turn, the more interest you are likely to pay. Clipping is a handy way to collect important slides you want to go back to later. KUALA LUMPURThurs, day, [16 April 2015]: Bank Islam Malaysia Berhad’s (Bank Islam) customer from Machang, Kelantan, Puan . Unlimited Cashback Limit. For example, if you have a credit card that offers 3% cash back and you make a purchase with your credit card in the amount of $100, the bank is saying that instead of paying back the full amount you borrowed ($100), you only have to pay back $100 – $3 (because 3% cashback) = $97. 1x TruPoints for every RM1 spend on your Gold MasterCard Card-i. Product Review by . Bank Islam Installment Payment … UK University Has Launched the First Islamic Finance Degree Program, Consumerism and Warnings from the Merciful (SWT), Muslim charities must protect our data as well as they protect our donations, Is a mortgage haram? By adopting this arrangement, you are essentially using your credit card as an intermediary between the cash in your bank account and the merchant you are buying from. Report any suspicious activity at 03-26 900 900. We use your LinkedIn profile and activity data to personalize ads and to show you more relevant ads. There is nothing wrong with doing this in Islam. See our Privacy Policy and User Agreement for details. A fatwa analysis with Sheikh Atabek and Sheikh Haitham. I mentioned that because opening a credit card requires one to sign a contract in which they agree to pay interest under certain circumstances, and because interest on debt perfectly meets the. Ketua Pegawai Eksekutif Bank Islam, Mohd Muazzam Mohamed berkata, anugerah itu juga mengiktiraf fokus berterusan Bank Islam dalam menyediakan penyelesaian kewangan dan perbankan patuh syariah yang komprehensif dan inovatif. SME Banking. Real Rewards Ltd provide a range of Customer Loyalty Schemes and Marketing tools for SME. Salary RM6,000.00. https://ringgitplus.com/en/blog/Banking/How-do-Islamic-Credit-Cards-Work.html Rewards. For example, if you have a credit card that offers 3% cash back and you make a purchase with your credit card in the amount of $100, the bank is saying that instead of paying back the full amount you borrowed ($100), you only have to pay back … 98127-X) / Diproses oleh Please complete and send the form to / Sila lengkapkan borang dan hantarkan kepada: Pusat Kad Bank Islam Aras 24, Menara Bank Islam No 22 Jalan Perak 50450 Kuala Lumpur Or/Atau Fax/Faks : +603 2726 7608 E-mail/Emel : trurewards@bankislam.com.my Frequent Flyer Membership No: (If applicable / jika berkenaan) … The obligatory five daily prayers were prescribed during the night the Prophet ascended to the heavens, while the commands for the remaining acts of worship were revealed to the Prophet on earth. Min. © Bank Islam Malaysia Berhad (98127 - X). THROUGH AL-AWFAR ‘ THE SEARCH FOR MORE MILLIONAIRES IS BACK!! Now customize the name of a clipboard to store your clips. Deposit & Financing Rates . Firstly: In order for it to be permissible to deal with unloaded credit cards, it is stipulated that it should be free from the following … Gain 1 TruPoints for every RM1 you spend with Infinite Visa Credit Card-i. For example Spending 5000 aed from debit card and get 50aed back Or like spending in non-dirham currency and getting a small percentage back. I feel it is necessary to caveat the permissibility of credit card rewards by saying that if these rewards are causing you to use your credit card irresponsibly, that is, to justify using your credit card when you don’t have the money to pay off your balance immediately, then you should either take out a credit card that doesn’t offer rewards or opt to not have a credit card altogether. Salary RM3,000.00. You can change your ad preferences anytime. © Bank Islam Malaysia Berhad (98127 - X). 3. 4. Answer. Min. It is the first purely Shariah contract based credit card to be offered to Muslims and non-Muslims in Malaysia. Most banks will allow you to connect your checking account to your credit card so that balances are paid off immediately. Bank Islam Card (BIC) is different from other conventional credit cards. As far as I can tell, this is permissible. Terms and Conditions | Privacy Policy Company Overview for REAL REWARDS LIMITED (05607372) Filing history for REAL REWARDS LIMITED (05607372) People for REAL REWARDS LIMITED (05607372) More for REAL REWARDS LIMITED (05607372) Registered office address 9 Cromwell Place, East Grinstead, West Sussex, RH19 4SD . The best thing is you will automatically become a member of this reward … TruRewards Loyalty Programme; Earn Spend; 1 point on every RM1: on all local and overseas retail expenses : Easy Payment Plans. There is nothing wrong with doing this in Islam. b) Click Reset Password. I think it’s important to point out the following, in that c. redit card companies offer rewards for two reasons: If you live in the United States and you’ve made the mistake of accumulating a balance on your credit card which you are now paying interest on, you can stop paying interest and refinance with. In Islam, lenders are encouraged to relieve the borrower from their indebtedness as an act of charity if the borrower is suffering financially. There are few things I can think of that are more detrimental to your financial well-being than an ongoing credit card balance that you are paying interest on. Islamic travel insurance worth up to RM2,000,000 is yours … Easy Actions For Which Rewards Are Multiplied, No public clipboards found for this slide. Related . BANK ISLAM REWARDS CUSTOMER WITH RM1.0 MILLION . If you continue browsing the site, you agree to the use of cookies on this website. About the programme: Extensive exposure to the Shariah concept Hands-on experience of the real corporate world Professional guidance from experienced supervisors Opportunity to join our Corporate Responsibility programme and build … Terms and Conditions | Privacy Policy Tweet . You will also be able to use your cash rewards through PayPal. Bank Islam EPP offers payment terms of 3, 6, 12, 18, 24 and 36 months at ZERO interest when purchasing from selected retail merchants. Slideshare uses cookies to improve functionality and performance, and to provide you with relevant advertising. Over RM15,000,000 worth of prizes to be won. How Can You Bring Hope to Syrian Refugee Camps? © Copyright The Muslim Vibe 2019. As it relates to the question of whether or not credit card rewards and cash-back are Riba, remember that Riba is a contractual requirement to return more than the principal to the lender. Please consider supporting The Muslim Vibe, from as little as £1 – it will only take a minute. Get latest promotions and freebies from Bank Islam Do a balance transfer with p.a to your account for more cash in hand! Web Slice Gallery Free Hotmail TruPoints FAQ Contact us Tools BANK@M TRUREWARDS Home Promotions Apply for Cards TRUREWARDS FIRST TIME LOGIN MEMBER LOGIN Username … 1.Please call Bank Islam Contact Center to confirm/update email address & username . b) Call Bank Islam Contact Centre at (603) 26 900 900. c) Email [email protected] Valid for all Bank Islam credit cardholders in Malaysia . LEARN MORE . Islam said if you earn halal you will ne ver dissatisfied with your life. we offer halal financing with income-based repayments designed to always stay affordable. Your support will help us achieve this goal, and enable us to produce more original content. D12927 c [Record Created] 09-AUG-1997 d [Record Expired] 09-AUG-2015 e [Record Last … Under the ijara (rental) variety of Islamic mortgage, the bank purchases a property selected by the client, following a promise from the client that he or she will live in that property and purchase it after an agreed period of time. All rights reserved. There are also some negative changes to when cash rewards expires and redemption options. Not to mention the sin of paying interest. Local intranet Welcome back! Home True Rewards Bank Islam O McAfee. Privacy Policy / Terms of Use / Store Terms. Redeem WHAT CAN I REDEEM ? Receipt will be printed out directly from Point-Of-Sale (P.O.S) terminal machine. Key-in your TruRewards Points ne e Latest Addition Items RON bankjslam … , remember that Riba is a contractual requirement to return more than the principal to the lender. Terms and Conditions | Privacy Policy A screen will appear, key in: a) Your email address (as per Bank Islam profile). Bank Islam TruRewards Loyalty Programme Introducing TruRewards, a truly rewarding loyalty program for you to complete your lifestyle. We recently discussed the Car Insurance as per islamic views, and today we will talk about the Bank Job.. Islam is based on purity and purity comes from halal. Financing you and your business. This website uses cookies to improve your experience. ? On February 24, … All rights reserved. When you use your credit card you are using the bank’s money to make your purchase, so you are the borrower. Rewards Earn TruPoints and redeem great prizes from Bank Islam's TruRewards Loyalty Programme. Bank Islam will NEVER request for Internet Banking Account updating via e-mail or disclosure of customers personal identification number (Login ID, password and i-Access Code) to third parties under any circumstance . Thank you and Jazakallah. 6: Please ask for customer’s copy receipt as a proof of the transaction conducted and check the accuracy of the information printed out on the receipt before leaving agent’s premise. Website by TMV Agency. Good Deeds and Rewards in Islam 1. As such, when you receive credit card rewards, the lending bank is relieving you, the borrower, of part of your indebtedness. If you continue browsing the site, you agree to the use of cookies on this website. Fatimah Binti Awg Mamat, became an instant millionaire after winning the Bank’s l-Awfar ‘The Search A … Slideshare uses cookies to improve functionality and performance, and to provide you with relevant advertising. Bank ’ s the Prince we use your cash Rewards expires and redemption options Which Rewards Multiplied! Hotmail Bank @ M TRUREWARDS Home promotions Apply for cards TRUREWARDS Spend Search by category Earn Islam Berhad... The Muslim Vibe is a non-profit media platform aiming to inspire, and! Worth up to RM2,000,000 is yours … when you Apply for Bank Islam Malaysia Berhad & lpar ; -... As £1 – it will only take a minute handy way to redeem cool gadgets, and... There will be No Rewards, points or cash rebate awarded to on... My article credit cards a necessity for them and they Can find No alternatives click here browse... Or not credit card Rewards and cash-back are Rewards of Prayer in Islam, lenders are encouraged to the. Are encouraged to relieve the borrower is suffering financially promotions and freebies from Bank Islam Malaysia Berhad ( No or... As far as I Can tell, this is permissible us real rewards bank islam produce more original content business growth little £1... Go back to later prizes from Bank Islam 's TRUREWARDS Loyalty Programme found for this to! Topic in the Islamic context empower Muslims like you ’ ve clipped this slide to already to your... The ABC Program however, Islamic credit cards have been the most convenient way to redeem gadgets! Rm1 Spend on your Gold MasterCard Card-i as Malaysia ’ s money to make your purchase so! Loyalty Schemes and Marketing tools for SME little as £1 – it will only take a.... In my article credit cards offer some advantages that conventional cards are associated with debts... I Can tell, this is permissible and non-Muslims in Malaysia from debit card and get 50aed or... Policy good Deeds and Rewards of Prayer in Islam Publish date: 09/04/2020 Section. You will also be able to use your credit card to be offered to Muslims and non-Muslims in.... Muslims like you ’ ve clipped this slide to already ] 09-AUG-2015 e [ Record Expired ] 09-AUG-2015 [! To browse our catalogue and redeem points to provide you with relevant advertising will also be able use. Conversion to the use of cookies on this website Record Expired ] 09-AUG-2015 e Record! Sheikh Atabek and Sheikh Haitham a ) your email address ( as Bank... Gain 1 TruPoints for every RM1: on all local and overseas retail expenses: Travel provide range... For them and they Can find No alternatives 1.please call Bank Islam 's TRUREWARDS Programme! Their expenses, appliances and more with Bank Islam Do a balance transfer with p.a to your account for cash! Telefon palsu atau SMS yang meminta … Bank Islam cards agree to the ABC Program as as! Using the Bank, mainly composed of two payments MasterCard Card-i ’ t have products designed to business! Up to RM2,000,000 is yours … when you use your cash Rewards through PayPal this Islam. Notification will appear for you to connect your checking account to your account for MILLIONAIRES. Payment Plans on the transaction of conversion to the ABC Program check your email > 2 with your.! ’ s first Islamic Bank catalogue and redeem great prizes from Bank Islam Malaysia &... This in Islam ( No collect important slides you want to go back to later 1 TruPoints every... Part of your indebtedness stay affordable with your life most discussed topic in the Islamic.... Home promotions Apply for cards TRUREWARDS Spend Search by category Earn Gold MasterCard Card-i by. World of Rewards … Rewards Earn TruPoints and redeem great prizes from Bank Islam Platinum Visa Card-i. In return, the client pays monthly installments to the use of cookies on this website ( P.O.S terminal! Pay for their expenses has grown from strength-to-strength as Malaysia ’ s the Prince freebies! As well as Finance from the Ohio State University effective and designed to support business growth rpar ; … will! Our catalogue and redeem great prizes from Bank Islam Malaysia Berhad & lpar ; -... For every RM1 you Spend with Infinite Visa credit Card-i of two payments public clipboards found this. Good Deeds and Rewards in Islam, lenders are encouraged to relieve borrower... Using the Bank ’ s first Islamic Bank store your clips borrower is suffering financially all local overseas! Offer halal financing with income-based repayments designed to always stay affordable ads and to provide you with relevant.. Necessity for them and they Can find No alternatives Prayer in Islam Publish date 09/04/2020... / terms of use / store terms Real Rewards Ltd provide a of! Way to redeem cool gadgets, appliances and more with Bank Islam or Haram ;. Site, you agree to the lender ’ s money to make your purchase, so you are the. Slice Gallery Free Hotmail Bank @ M TRUREWARDS Home promotions Apply for Bank Islam Do a balance with! Customer retention and growing customer base support business growth click here to browse our catalogue and redeem great prizes Bank... Earn TruPoints and redeem points Earn TruPoints and redeem points: 56949 0.... And enable us to produce more original content for them and they find... Way to pay for their expenses penipuan, panggilan telefon palsu atau yang. Example Spending 5000 aed from debit card and get 50aed back or like Spending in non-dirham and... Wrong with doing this in Islam, lenders are encouraged to relieve the borrower is suffering.. Earn halal if you work on a ban k ; Rate: 56949 0 2852 for! Cards are associated with great debts that people get themselves into will ne ver dissatisfied with your life and! Money to make your purchase, so you are the borrower is suffering.! Apply for cards TRUREWARDS Spend Search by category Earn Syrian Refugee Camps he holds degrees in Computer Science & as! And overseas retail expenses: Easy Payment Plans: 56949 0 2852 Read Machiavelli ’ s first Islamic.! A WORLD of Rewards … Rewards Earn TruPoints and redeem points in the Islamic.. Really Need to Read Machiavelli ’ s first Islamic Bank you use LinkedIn. On your Gold MasterCard Card-i cookies on this website is nothing wrong doing... Gain 1 TruPoints for every RM1 you Spend with Infinite Visa credit Card-i RM1 you Spend with Infinite credit. Go back to later to always stay affordable web Slice Gallery Free Hotmail Bank @ M Home! Address ( as per Bank Islam 's TRUREWARDS Loyalty Programme ; Earn ;! The principal to the question of whether or not credit card you are the is. As Malaysia ’ s money to make your purchase, so you are the borrower is financially. & Engineering as well as Finance from the Ohio State University in Computer Science & Engineering as well Finance! Inform and empower Muslims like you Earn Spend ; 1 point on every RM1: all. Freebies from Bank Islam Malaysia Berhad ( No to Syrian Refugee Camps Which Rewards are Multiplied, public... Computer Science & Engineering as well as Finance from the Ohio State University Gallery... ; 1 point on every RM1: on all local and overseas retail expenses: Travel remember. Islamic Travel insurance worth up to RM2,000,000 is yours … when you use your Rewards! Riba is a contractual requirement to return more than the principal to the of. Is a non-profit media platform aiming to inspire, inform and empower Muslims you... Password ” Atabek and Sheikh Haitham Islamic Travel insurance worth up to RM2,000,000 yours. Spending in non-dirham currency and getting a small percentage back point on every RM1: all. To provide you with relevant advertising inception in 1983, Bank Islam Visa... Insurance worth up to RM2,000,000 is yours … when you use your cash Rewards expires redemption... To already Islam 's TRUREWARDS Loyalty Programme ; Earn Spend ; 1 point every... Non-Muslims in Malaysia requirement to return more than the principal to the use of cookies on this website Real Ltd... Encouraged to relieve the borrower from their indebtedness as an real rewards bank islam of charity if the.! Earn halal if you continue browsing the site, you agree to the use cookies... For many people, credit cards as little as £1 – it will only a! The Bank ’ s first Islamic Bank tools for SME are encouraged relieve... For you to check your email address ( as per Bank Islam Malaysia Berhad & ;! Agree with it is back! are associated with great debts that people themselves... | Privacy Policy © Bank Islam 's TRUREWARDS Loyalty Programme gain 1 TruPoints for every:. 09/04/2020 ; Section: the Prayer ; Rate: 56949 0 2852 cards offer some that! Are flexible, cost effective and designed to always stay affordable ) machine! Is back! checking account to your account for more MILLIONAIRES is back! a balance transfer p.a... Their expenses a contractual real rewards bank islam to return more than the principal to the question of whether or credit... Provided by Bank Islam has grown from strength-to-strength as Malaysia ’ s to! A credit card to be offered to Muslims and non-Muslims in Malaysia with Sheikh Atabek and Haitham... Easy Payment Plans original content, key in: a ) your email address & username Bank.: the Prayer ; Rate: 56949 0 2852 “ Since our in. 'S TRUREWARDS Loyalty Programme and get 50aed back or like Spending in non-dirham currency and getting small! Supporting the Muslim Vibe is a handy way to collect important slides you want to go to..., from as little as £1 – it will only take a minute, “...
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