Best Fixed Deposit Accounts In Malaysia - February 2024
ringgitplus
31st January 2024 - 8 min read
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Last update: 31 January 2024
Best Fixed Deposit Promos – February 2024
Bank | Effective Rate (% p.a.) | Minimum Deposit | Maximum Deposit | Tenure | Promotion Period |
Affin Bank (Banca Deposit Campaign – requires customers to purchase selected bancassurance product) | Single premium or contribution – 12.88 (1 month) – 7.88 (3 months) – 5.88 (6 months) Regular premium or contribution | Single premium or contribution – RM50,000 (fixed deposit) – RM10,000 (term deposit-i) Regular premium or contribution | N/A | – 1 months – 3 months – 6 months | 1 Oct 2023 – 31 Jan 2024 |
Alliance Bank (CNY Wealth and FD bundle promotion – requires customers to invest in selected unit trust products) | 12.88 | RM1,000 | N/A | – 3 months | 2 Jan–29 Feb 2024 |
Alliance Bank (Alliance Privilege FD/TD-i promotion – open to new Alliance Privilege Banking customers, over-the-counter offer) | 4.10 | RM1,000 | RM300,000 | 6 months | 1 Oct 2023 – 31 Mar 2024 |
Alliance Bank (Alliance Personal TD-i promotion – open to new Alliance Personal customers, over-the-counter offer) | 4.10 | RM1,000 | RM100,000 | 6 months | 1 Oct 2023 – 31 Mar 2024 |
Alliance Bank (Alliance Bank Bancassurance & FD campaign – requires customers to invest in selected bancassurance regular premium products) | – 6.50 (RM10,000 bancassurance amount) – 8.50 (RM50,000 bancassurance amount) – 9.50 (RM100,000 bancassurance amount) | RM1,000 (FD placement amount) | N/A | 6 months | 1 Oct 2023 – 31 Mar 2024 |
Alliance Bank (New Investor campaign – for new investment customers on selected conventional unit trust products) | 9.50 | RM1,000 (FD placement amount) | N/A | 3 months | 1 Oct 2023 – 31 Mar 2024 |
Alliance Bank (Investment and FD bundle campaign – requires customers to invest in selected investment products) | Retail securities & FD bundle 7.50 Structured investment & FD bundle Unit trust & FD bundle | RM1,000 | N/A | 3 months | 1 Oct 2023 – 31 Mar 2024 |
Bank Muamalat (Fixed Term Account Fantastic Pocket Campaign) | 4.05 | RM10,000 | RM800 million | 6 months | 1 Dec 2023 – 31 Jan 2024 |
Bank Simpanan Nasional (BSN Term Deposit-i with BSN SSP Platinum bundle campaign) | 5.70 | RM5,000 | N/A | 6 months | 1 Jan – 30 Apr 2024 |
CIMB Bank (eFD/eFD-i campaign) | Funds from CIMB current/savings account/-i – 3.65 (6 months) – 3.70 (12 months) Funds from other banks via FPX | RM1,000 | Subject to FPX transaction limit | – 3 months – 6 months – 7 months – 12 months | 1 Feb – 15 Mar 2024 |
Hong Leong Bank (HLB eFD/eFD-i 6-month promo) | – 3.55 (3 months) – 3.75 (6 months) – 3.70 (12 months) | RM1,000 | RM200,000 | – 3 months – 6 months – 12 months | 30 Jan – 29 Feb 2024 |
Hong Leong Bank (HLB eFD/eFD-i 9-month promo) | 3.75 | RM1,000 | RM200,000 | 9 months | 30 Jan – 29 Feb 2024 |
Hong Leong Bank (HLB CNY Unit Trust and FD bundle promo – requires customers to invest in selected unit trust products) | 5.38 | N/A | Any FD amount up to the unit trust investment amount | 3 months | 15 Jan – 31 Mar 2024 |
Hong Leong Bank (HLB CNY Bancassurance and FD bundle promo – requires customers to invest in selected bancassurance products) | Regular premium – 8.88 (3 months) – 6.88 (6 months) – 5.38 (12 months) Single premium | RM1,000 | Up to the maximum amount equivalent to the annual premium size | – 3 months – 6 months – 12 months | 10 Jan – 31 Mar 2024 |
Hong Leong Bank (HLB CNY promo for new Priority Banking customers) | 4.08 | RM10,000 | RM500,000 | 3 months | 3 Jan – 31 Mar 2024 |
HSBC Bank (HSBC Time Deposit USD/MYR promo – for new Premier customers) | Time Deposit in USD – 5.68 (with minimum asset of RM200,000) – 6.00 (with minimum asset of RM3 million and above) Time Deposit in MYR | – RM50,000 – USD10,000 | – RM1 million – USD200,000 | 6 months | 2 Jan – 31 Mar 2024 |
HSBC Bank (HSBC Time Deposit (TD) Bundle in MYR/USD promo – requires Premier customers to invest or purchase in specified products with the bank) | TD & unit trusts bundle – 5.28 (MYR TD) – 6.28 (USD TD) TD & structured investments bundle TD & foreign currency bonds bundle TD & bancassurance (regular premium) bundle TD & bancassurance (single premium) bundle | Unit trusts, structured investments, foreign currency bonds RM50,000 or USD equivalent Bancassurance | N/A | 6 months | 2 Jan – 31 Mar 2024 |
OCBC Bank (FD/FD-i promo – requires customers to also have an OCBC 360 savings account/-i) | 4.08 | RM1,000 | RM5 million | 6 months | 1 Jan – 3 Feb 2024 |
Public Bank (PB RCB Special FD/TD-i campaign – Red Carpet Banking customers are required to maintain a minimum aggregated deposit amount) | RCB Gold – 3.60 (3 months) – 3.70 (6 months) – 3.80 (9 months) – 3.85 (12 months) RCB Elite | RM10,000 | RM10 million | – 3 months – 6 months – 9 months – 12 months | 1 Jan – 31 Mar 2024 |
Public Bank (PB Special Fixed Deposit campaign – for PLUS Fixed Deposit) | – 3.55 (3 months) – 3.65 (6 months) – 3.75 (9 months) – 3.80 (12 months) | RM5,000 | RM10 million | – 3 months – 6 months – 9 months – 12 months | 1 Jan – 31 Mar 2024 |
Public Bank (PB eFD via FPX campaign) | – 3.60 (3 months) – 3.70 (6 months) – 3.80 (9 months) – 3.85 (12 months) | RM5,000 | RM2 million | – 3 months – 6 months – 9 months – 12 months | 1 Jan – 31 Mar 2024 |
Public Bank (50 Golden Journey campaign – only for customers aged 50 years old and above, as well as have 50 PLUS Savings account and PB Golden 50 PLUS Fixed Deposit Account) | – 3.60 (3 months) – 3.70 (6 months) – 3.85 (12 months) | RM5,000 | RM10 million | – 3 months – 6 months – 12 months | 1 Jan – 31 Mar 2024 |
Public Bank (Power Invest FD bundle campaign– requires customers to also invest in selected unit trust or bancassurance products) | Unit trust/ bancassurance + FD bundle (2:1 ratio) RM10,000 to less than RM300,000 in FD – 4.65 (3 months) – 3.95 (8 months) RM300,000 and above in FD Unit trust/ RM300,000 and above in FD | RM10,000 | N/A | – 3 months – 8 months | 1 Jan – 30 June 2024 |
RHB Bank (Term Deposit & e-Term Deposit campaign) | – 3.80 (min placement RM1,000) – 3.90 (min placement RM10,000) | – RM1,000 (for 3.80% p.a. interest rate) – RM10,000 (for 3.90% p.a. interest rate) | N/A | 6 months | – 26Jan – 31Mar2024 (Term Deposit) – 31Jan – 31Mar2024 (e-Term Deposit) |
Standard Chartered Bank (SC CNY 2024 campaign – for Priority Banking customers who buy bancassurance or takaful products) | Up to 6.88 | N/A | N/A | 12 months | N/A |
Monthly Update
Here’s a roundup of this month’s updates to the best fixed deposit accounts in Malaysia.
- Overall, Islamic FD products continue to offer higher interest rates compared to conventional FD products.
- Junior savers can opt for MBSB Junior Term Deposit-i (3.20% p.a. interest for 6-month tenure).
- The highest interest rate recorded in this month’s round-up is 3.45% (Agrobank; 12-month FD), whereas the lowest stands at 2.55% (OCBC Bank; 1-month FD).
Original article follows below.
“What’s the best fixed deposit in Malaysia?” It’s one of the most common questions we hear from Malaysians who want a stable and secure form of savings. With its combination of zero risks, guaranteed returns, and the flexibility of choosing the duration of the deposit, many turn to fixed deposits as a reliable form of short to medium-term savings.
Most fixed deposit accounts in Malaysia are also regulated by Perbadanan Insurans Deposit Malaysia (PIDM) that gives protection for your investment in the unlikely event of member bank failure. So when identifying which fixed deposit account to put your money in, the main points of consideration should be interest rates, minimum deposit amount, and if they are insured by PIDM.
Here are the highest interest fixed deposit accounts in Malaysia, arranged by duration. The tables below will be updated every month.
Top 1-month FD rates in Malaysia
Bank Name | Product Name | Minimum Deposit | Interest/Profit Rate | Profit on RM10,000 | Depositor’s Insurance |
Bank Rakyat | Bank Rakyat Term Deposit Account-i | RM5,000 | 3.00% | RM25.00 | Malaysian Govt |
Bank of China | Bank of China Fixed Deposit Account-i | RM5,000 | 2.90% | RM24.17 | PIDM |
Alliance Islamic Bank | Alliance Islamic Term Deposit-i | RM5,000 | 2.75% | RM22.92 | PIDM |
Bank of Nova Scotia | Bank of Nova Scotia Fixed Deposit | RM5,000 | 2.65% | RM22.08 | PIDM |
OCBC Bank | OCBC MYR Fixed Deposit | RM5,000 | 2.55% | RM21.25 | PIDM |
Top 3-month FD rates in Malaysia
Bank Name | Product Name | Minimum Deposit | Interest/Profit Rate | Profit on RM10,000 | Depositor’s Insurance |
MBSB Bank | MBSB Term Deposit-i | RM500 | 3.10% | RM77.50 | PIDM |
Bank of China | Bank of China Fixed Deposit Account | RM1,000 | 3.00% | RM75.00 | PIDM |
India International Bank | India International Bank Fixed Deposit | RM1,000 | 2.95% | RM73.75 | PIDM |
Bank Islam | Bank Islam Term Deposit-i | RM500 | 2.75% | RM68.75 | PIDM |
HSBC Bank | HSBC Time Deposit | RM1,000 | 2.70% | RM67.50 | PIDM |
Top 6-month FD rates in Malaysia
Bank Name | Product Name | Minimum Deposit | Interest/Profit Rate | Profit on RM10,000 | Depositor’s Insurance |
Agrobank | Agrobank Fixed Return Investment Account-i | RM1,000 | 3.30% | RM165.00 | Malaysian Govt |
MBSB Bank | MBSB Junior Term Deposit-i | RM500 | 3.20% | RM160.00 | PIDM |
Bank Simpanan Nasional | BSN Term Deposit | RM500 | 3.10% | RM155.00 | PIDM |
Bank of China | Bank of China Fixed Deposit Account | RM1,000 | 3.05% | RM152.50 | PIDM |
Al Rajhi Bank | Al Rajhi Term Deposit-i | RM500 | 2.85% | RM142.50 | PIDM |
Top 9-month FD rates in Malaysia
Bank Name | Product Name | Minimum Deposit | Interest/Profit Rate | Profit on RM10,000 | Depositor’s Insurance |
Agrobank | Agrobank Fixed Return Investment Account-i | RM1,000 | 3.40% | RM255.00 | Malaysian Govt |
Bank Rakyat | Bank Rakyat Term Deposit Account-i | RM500 | 3.30% | RM247.50 | Malaysian Govt |
Bank Muamalat | Bank Muamalat Fixed Term Account-i | RM1,000 | 3.20% | RM240.00 | Malaysian Govt |
Bank of China | Bank of China Fixed Deposit Account | RM1,000 | 3.10% | RM232.50 | PIDM |
Al Rajhi Bank | Al Rajhi Term Deposit-i | RM500 | 2.90% | RM217.50 | PIDM |
Top 12-month FD rates in Malaysia
Bank Name | Product Name | Minimum Deposit | Interest/Profit Rate | Profit on RM10,000 | Depositor’s Insurance |
Agrobank | Agrobank Fixed Return Investment Account-i | RM1,000 | 3.45% | RM345.00 | Malaysian Govt |
MBSB Bank | MBSB Term Deposit-i | RM500 | 3.40% | RM340.00 | PIDM |
Bank Muamalat | Bank Muamalat Fixed Term Account-i | RM1,000 | 3.30% | RM330.00 | PIDM |
Alliance Bank | Alliance Bank Fixed Deposit | RM500 | 3.10% | RM310.00 | PIDM |
Al Rajhi Bank | Al Rajhi Term Deposit-i | RM500 | 2.95% | RM295.00 | PIDM |
Ready to apply? Check out the RinggitPlus Fixed Deposits page, where you’ll find useful information for fixed deposit promotions available in Malaysia, as well as a useful fixed deposit calculator!
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Martin
3 years ago
I am retiring soon. Looking to park my pension Rm2m approx in a safe product with monthly devidents of Rm8k.
Any ideas?
110
Reply
Kasman Muslimin
2 years ago
Reply to Martin
Public Mutual have product called unit trust money market which provide dividend every month with no sales charge, if you interested to know further, let me know. I’m please to help
64
Reply
Anonymous
1 year ago
Reply to Kasman Muslimin
what is the name of the fund??
Reply
Anonymous
8 months ago
Reply to Kasman Muslimin
Keep in your EPF, bullsh*t just want to eat your money.
63
Reply
ckc
6 months ago
Reply to Kasman Muslimin
Although unit trusts do give dividends but the nett asset value (NAV) is adjusted to a lower value accordingly. If you reinvest the dividend, you end up with exactly the same value but with more units at a lower adjusted NAV. If you take out the dividend, your fund value becomes lower. Profits from unit trust have to come from capital appreciation of NAV due to stock or bond appreciation.
19
Reply
Anonymous
3 months ago
Reply to Kasman Muslimin
Don’t trust any unit trust package, invested for more than 10 years with poor single digit return!
13
Reply
CK LIM
2 years ago
Reply to Martin
You better off stick with EPF, which gives about 100k annual return which you want to.
95
Reply
mugun
1 year ago
Reply to CK LIM
He need monthly withdraw ….EPF can withdraw monthly?
19
Reply
Anonymous
1 year ago
Reply to mugun
Yes you can request monthly withdrawal.
7
Reply
Anonymous
1 year ago
Reply to mugun
Can
1
Reply
Anonymous
1 year ago
Reply to mugun
He can coz he is a retiree soon
8
Reply
Anonymous
1 year ago
Reply to mugun
Can be arranged with EPF .
2
Reply
Anonymous
4 months ago
Reply to mugun
Can withdraw daily, 30k per day
Reply
Kevin
3 months ago
Reply to mugun
Yes you can . Even now as long as you have > 1 million you can take the excess out any amount any time. I have 2.2 million in EPF and take 5 to 7k every month and I am 52
4
Reply
Helen Mee Tsin Ryder
1 year ago
Reply to CK LIM
Epf only accept RM60k voluntary contribution annually only… not 2M. There is no way RM8000/month with RM2M. Unless you are good in stock market. Equity and unit trusts bonds all depreciating in this pandemic period. No interests incomes can be fixed. Except conventional bank FD only. Interest rates are still very low.
12
Reply
Azizan
1 year ago
Reply to Helen Mee Tsin Ryder
Got.
There are a few depending on your risk appetite.
Reply
Anonymous
10 months ago
Reply to CK LIM
U cannot deposit 2m
Reply
Anonymous
4 months ago
Reply to CK LIM
Agree
1
Reply
CY Kong
9 days ago
Reply to CK LIM
This is absolutely for sure!
James
1 year ago
Reply to Martin
If u can have 2m pension but don’t know where to park it.. U likely don’t belong to blue collar group and not have the 2m
1
Reply
Jimmy
9 months ago
Reply to James
What’s the point of saying this? 🤦🏻♂️
19
Reply
Naz
8 months ago
Reply to Jimmy
hahahahahhaha
Reply
Nalni Parthipan
1 year ago
Reply to Martin
All Banks and Insurance companies are regulated under BNM, instead insurance one step forwards not only given dividends and Interest . Perhaps given coverage as well.
Reply
Azizan
1 year ago
Reply to Nalni Parthipan
Rule of thumb: Insurance/Takaful meant for coverage purposes not investment.
Yeah, there are product linked to the investment platform, but still cannot rely there to get good profits.
8
Reply
Anonymous
11 months ago
Reply to Martin
Uncle go buy ETF…average 7-10% p.a.
or leave it in EPF average 6%/p.a. roughly 120K/yr
low risk and reasonable return
or go buy a few 300k house and collect rent..reasonable yield and future house appreciation.
Good luck
8
Reply
Jimmy
9 months ago
Reply to Anonymous
Epf already can more than meet the rm8000 per month Martin requires.
-1
Reply
Anonymous
9 months ago
Reply to Martin
EPF
-1
Reply
Anonymous
8 months ago
Reply to Anonymous
EPF only allowed max 60K deposit per year. For RM2M, he needs 33 years to deposit all in 😛
1
Reply
Joe
8 months ago
Reply to Martin
put in EPF…little did I expect that there are so many kind soul here asking you to park in EPF…pls listen to them…dont listen to those asking you to invest.
4
Reply
Karen
3 months ago
Reply to Martin
EPF is my best choice
-2
Reply
Patrick Liew
3 years ago
Inform me the best All FD offer by banks
Other products offer are also welcome
217
Reply
Sasa
3 years ago
ambank got new promo 2.98% 9 months until year end only
43
Reply
ALAN CONRAD CHEONG CHI LOONG
3 years ago
Hi, is the OCBC FD rate 2.9% until the end of Dec 2020?
20
Reply
Jessie
2 years ago
Hi, what is the interest rate in Public Mutual unit trust money market ?
45
Reply
Arultharuman
2 years ago
Reply to Jessie
For 200’000 rm pls inform public mutual interest rate
19
Reply
lim
1 year ago
Reply to Jessie
local banks gives pathetic interest rate. Where else overseas investment s gives 6 to 7 precent per month!!!
7
Reply
Anonymous
1 year ago
Reply to lim
Park inside EPF.
-2
Reply
Anonymous
1 year ago
Reply to lim
pakistan with 14% interest rate lol
-4
Reply
Anonymous
9 months ago
Reply to Anonymous
Yeah but is their central bank governing the safety of your money?
Tomorrow your money may disappear like Alibaba.
-1
Reply
Anonymous
1 year ago
Hi is it possible to put 1bil in FD for 12months?
Reply
Jan
1 year ago
Hi, for the top 1 month FD rates, is no. 1 Bank Rakyat or Bank Muamalat? Thank you.
Reply
Philip Lee
1 year ago
Latest updated & promo FD term rate.
Thank you.
20
Reply
jessy
1 year ago
hi there, pls advise best bank interest FD rates for RM 50K or RM 100K for 2 years, pls share
24
Reply
chookn
1 year ago
How about UOB?
11
Reply
Anonymous
11 months ago
Reply to chookn
uob has good rate.with monthly interest payout..
1
Reply
Pat Liew
1 year ago
The best FD rate bank offer ?
8
Reply
Anonymous
1 year ago
Affin has good promotional 6,9,12m FD rate too(I can’t find online, but visible when I apply new FD).
5
Reply
Anonymous
1 year ago
Reply to Anonymous
Why considering FD where you have the EPF who offers 6% annually?
4
Reply
Anonymous
1 year ago
Reply to Anonymous
because FD is not liquid enough la
Reply
Anonymous
1 year ago
MBSB bank giving 3.6% on 12M basis
Reply
Shu Jean
1 year ago
The FD interest rate is higher now
1
Reply
amad663
1 year ago
Reply to Shu Jean
Yup maybank offer as high as 3.85% for fresh funds. Crazy deals !!
Reply
Captain Jack Sparrow
1 year ago
Acquire a shop house and rent it out. Make sure the rental can generate RM8k a month.
-2
Reply
Anonymous
1 year ago
Reply to Captain Jack Sparrow
better return rate if buying a factory lot
-2
Reply
nis
1 year ago
If I’m nit mistaken maybank has other promos to like fresh funds (28/11-7/12) and their rates are superb
Reply
Pang Tun Yau
1 year ago
Reply to nis
Yup, saw the flash deal. Keep an eye out for our updated FD promo for December post tomorrow!
Reply
Henry Lim
10 months ago
Reply to Pang Tun Yau
Foreigners can apply for Sg Gov Treasury Bill for 6 months or 12 months, In Dec I placed S$600k in treasury bill at 4.4% cut-off year, equivalent to 4.5% per annum.
1
Reply
dania
1 year ago
Reply to nis
that one with 3.85%? yeaaaa that deal is very tempting, might place funds on maybank soon
Reply
Lmp
1 year ago
Reply to dania
Deal for 6 months
Reply
Bathe
1 year ago
Reply to Lmp
AM Bank 4.5 for 18mnths
1
Reply
fateh12
1 year ago
For sure will go maybank bcs I heard that it is shariah compliant + their rates is 3.85%, who wouldn’t want that?
Reply
ENCIK NIK
1 year ago
I AM SO HAPPY FOR THE DETAILS FIX DEPOSIT INFORMATION AND I ANALYSIS FIRST ,THANK YOU.
Reply
G.P
1 year ago
Which is best investment platform FD or Unit trust? with low risk
Reply
Jimmy
9 months ago
Reply to G.P
Lowest risk is FD. So depends on your appetite
2
Reply
Ren
1 year ago
Hi Agrobank have promo until 24/2/2023. 4.25% for 12 months, 4.1% for 6 months.
1
Reply
Pat
11 months ago
Reply to Ren
Are all the banks now asking to register CRS before u can place a fix deposit ? And why ?
Reply
Shirley Erndt
1 year ago
Life is too short the world is wide.. I would’ve spent some.
2
Reply
Jimmy
9 months ago
Reply to Shirley Erndt
Do spend in Malaysia. Thank you
Reply
Anonymous
6 months ago
Reply to Jimmy
Malaysia is boring sh*t place. I will rather stay at home turn on air cond and watch Netflix. Just spent RM30k in Japan for Sakura season this year. Worth every cent.
1
Reply
Anonymous
9 months ago
MBSB Bank offrering 4.3 % effective rate as of now April 25th 2023
Reply
Anonymous
8 months ago
Reply to Anonymous
Now BSN is High rate 5.8% untill 15 ogos 2023.
Reply
Sindy
9 months ago
Can someone explain about the 6months & 12 months FD which one is better?
2
Reply
Retiree
7 months ago
Your best option is to leave them in EPF. Visit EPF to apply a fixed monthly of your choice and that’s it.
Reply
Nona
6 months ago
Reply to Retiree
What’s min epf Fixed monthly?
1
Reply
Tin
6 months ago
Current safe and best bet for you monies still keep them safe in your EPF, unless the EPF changed their policy to force everyone and allow only monthly widrawer and No more One lump sum and flexible widrawer any Time you want like current practise.If government can suka suka change their policy,then better keep your hard earned monies outside of EPF.
3
Reply
Yumi
6 months ago
Is it safe to deposit of over RM2m to public bank fd personally?
Reply
Anonymous
6 months ago
Reply to Yumi
You will be marked for kidnapping….
-2
Reply
Anonymous
6 months ago
The above is outdated. PB is only 3.8% for 12mths since 12th July 2023
Reply
Anonymous
4 months ago
why all fixed deposit for individuals no companies ?
Reply
Chon
2 months ago
Alliance offer FD 4.2% pa, this should be the quite high rate the list with no investiment requirement. Why this is not call out in author’s summary? Just wonder.
Reply
Soh
1 month ago
Reply to Chon
For Alliance you need to place FD with other investment product.
Reply
Bird
1 month ago
6 month not accurate. I calculated BSN Term Deposit-i + SSP platinium campaign is still the highest at almost 4% p/a
Reply
Anonymous
1 month ago
Reply to Bird
5.88%
Reply
Anonymous
8 days ago
Try to put in bank’s FD, I was told banks’ VIP got good FD rate so you don’t have to switch banks for it’s FD Promo… but put in EPF is a better options cause now FD around 3-4% and EPF got average 6%. Don’t recommend unit trust myself cause you don’t have control.
Reply
Ben
1 day ago
Reply to Anonymous
if you guy have children, put your money in SSPN ( joint acct with your Children ). T
he return is much better the bank FD rate at the same time you can get tax rebate.
Reply
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