Velocity, LLC Reviews & Complaints

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Overview

In this comprehensive investigation of Velocity, LLC, also known as Velocity Marketing Partners, we analyse the its operations, scrutinize its range of services, and evaluate its reputation through customer feedback and industry ratings. Our investigation reveals the complex associations between Velocity and several companies under the scrutiny of Todd McCartney and T-Money Holdings. We explore McCartney's contested connections and legal entanglements, shedding light on the murky relationships within this corporate network.

Further, the article presents an in-depth analysis of Velocity's diverse offerings, from payment processing solutions – including POS systems and mobile payments – to merchant cash advances and gift card programs. We dissect the nuances of their contract terms, fees, and the implications for businesses, juxtaposed with insights into their marketing tactics and the controversies therein. Additionally, the article provides a critical assessment of Velocity's customer support and online ratings, highlighted by real customer experiences and employee perspectives. This exploration aims to offer a well-rounded view of Velocity, LLC, equipping readers with essential information to navigate the complexities of merchant services and marketing firms in the modern business landscape.

About Velocity LLC

Also known as Velocity Marketing Partners, Velocity, LLC was founded in 1999 as a merchant account provider that serves most standard-risk business types. There are reports connecting Velocity, Todd McCartney, or a related holding company, “T-Money Holdings,” to the following companies:

Additionally, according to a complaint on our Payment Systems Corporation review, Smart Choice Payments, First Choice Payments, and North American Processing Solutions may be subsidiaries or related to Payment Systems Corporation, which ranks as one of the worst merchant account providers we have ever reviewed.

Todd McCartney has contested his connection or ownership to several of these companies, including North American Processing Solutions, Payment Systems Corporation, and Advantage Media Partners. He also contests a connection to “First American Payment Systems” in an email, though CPO has never alleged that the two are connected. It is difficult to determine the exact nature of some of these relationships; however, we can confirm that Todd McCartney and North American Processing Solutions have been named together in at least one lawsuit. Todd McCartney has also listed alongside various company names in legal disputes.

We can also determine from public sources that North American Processing Solutions shared an address with one of Mr. McCartney's other companies, a Massage Envy franchise. Mr. McCartney claims in the dispute that “we only did customer service for them.” We did find evidence of another business operating under the name of American Payment Systems, LLC, listing Todd McCartney as the president and North American Processing Solutions as an alternative business name. According to online records, American Payment Systems is reported to be under the T-Money Holdings portfolio.

Alternative DBAs

  • American Payment Systems LLC, registered in Las Vegas, lists North American Processing Solutions as an alternative name.
  • A second American Payment Systems LLC, at a different Las Vegas address, lists T-Money Holdings INC as the manager.

Todd McCartney Interview

We were also able to locate a recent interview with Todd McCartney where he talks about some of his business ventures. We formerly linked this interview here, but after we posted it, it disappeared off the internet.

Also a Marketing Firm

Unlike its payment-oriented DBAs, Velocity also presents itself as a web design and online marketing firm—hence its alternate name of Velocity Marketing & Commerce. The company's marketing services are offered alongside its e-commerce merchant accounts, but this should not obscure the fact that Velocity is as much a payment processor as it is a marketing service. Other names that have been reported to be associated with Velocity as a marketing firm in various online merchant complaints include Global Media Solutions, Wholesale Internet Solutions, and Priority Placement Media.

Velocity, LLC. Payment Processing

Velocity, LLC. offers payment processing for most major debit and credit cards for most business types. Their services include PCI compliance, mobile solutions, POS systems, MOTO, access to payment gateways, card-not-present payments, cash advances, and loyalty programs.

POS Systems

Velocity, LLC offers a range of POS systems that are designed to meet the needs of businesses in various industries. Their POS systems come with a range of features that make managing transactions simple and efficient, including inventory management, employee management, and reporting tools. Velocity, LLC's POS systems are easy to use and come with all the features that businesses need to manage their transactions effectively.

Mobile Payments

Velocity, LLC offers mobile payment solutions that allow businesses to accept payments using their mobile devices. The mobile payment solutions are easy to use and come with all the security features that businesses need to protect their customers' data. Velocity, LLC's mobile payment solutions are ideal for businesses that are always on-the-go.

Gift Card Programs

Gift card programs are an excellent way for businesses to increase sales and customer loyalty. Velocity, LLC offers gift card programs that are fully customizable, allowing businesses to design their own gift cards and track sales data in real-time. Velocity, LLC's gift card programs are easy to set up and use, and they come with all the features that businesses need to manage their gift card programs effectively.

Merchant Cash Advance

Velocity, LLC offers merchant cash advances to businesses that need quick access to capital. Merchant cash advances are an excellent alternative to traditional loans because they are easy to qualify for and provide businesses with the funds they need to grow. Velocity, LLC's merchant cash advances are easy to apply for and come with flexible repayment terms.

Location & Ownership

Todd McCartney is listed as the president of Velocity, Wholesale Merchant Processing, Smart Choice Payments, and American Payment Systems. All four companies were formerly listed as headquartered at SW 10250  Greenburg Rd. Ste. 200, Portland, Oregon, and the Better Business Bureau also lists an updated address for Velocity at 9020 SW Washington Square Rd Ste 220, Portland, Oregon. Recently the address on the Velocity website was changed to 1211 1st Avenue N. Suite 302 St. Petersburg, FL. Velocity is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California. It should not be confused with Velocity Merchant Services, which is a separate and unrelated payment processor based in Illinois.

Video Summary

Velocity LLC payment processing
Velocity, LLC. offers standard payment processing
Pros & Cons
Pros: Cons:
Flexible payment processing options Variable processing rates
Accepts various card types Monthly, annual fees applicable
Supports mobile, online payments Cancellation penalties apply
Global customer reach Equipment leasing required
Enhanced security features Long-term contract concerns
Efficient digital record keeping Higher than average costs

Velocity, LLC Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 30+
Live Customer Support Yes
Most Common Complaint Poor Service
Recent Lawsuits No

Moderate-to-High Complaint Total

Currently, we’ve identified a substantial number of negative reviews concerning Velocity, totaling more than 30, with some customers even labeling the company as a scam. Moreover, this count doesn’t encompass the additional grievances directed towards affiliated entities like Smart Choice Payments, Wholesale Merchant Processing, First Choice Payments, and North American Processing Solutions, which collectively contribute to an extensive pool of complaints. Complaints directed at Velocity, LLC commonly highlight issues such as undisclosed contract terms, subpar customer service, costly equipment leases, and an overall unprofessional business environment. Given the intertwined nature of these businesses and the recurring themes in customer feedback, we’ll address them collectively without distinction in this overview. We also encourage individuals with their own experiences to share their reviews in the comments section below.

Legal Matters and Customer Support

As of our investigation, there are no ongoing Velocity class-action lawsuits or FTC complaints. Dissatisfied customers seeking alternative avenues for resolution are advised to report their concerns to relevant supervisory organizations.

When it comes to customer support, Velocity, LLC shares a comparable rating with Smart Choice Payments, as there’s little evidence to suggest differentiation between the two entities. The company provides contact details, including phone and email, on its website. However, its track record of complaints raises questions about whether or not it will ever qualify among the best merchant account providers for customer service.

Velocity Customer Service Number

Other Support Options

In summary, while Velocity and its associated entities offer avenues for customer support, the significant volume of complaints underscores areas for improvement in transparency, service quality, and professionalism. It’s essential for potential customers to weigh these factors carefully before engaging with the company.

Velocity, LLC Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Rating 3.4
Average Rating 3.4

BBB Rating Analysis for Velocity

Velocity has an average customer review rating of 3.4 out of 5 stars on the Better Business Bureau (BBB) website, based on 10 customer reviews. The reviews present a mix of experiences, with some customers expressing satisfaction with the service and support, while others raise concerns about professionalism and issues with billing and communication.

Negative Feedback

These scumbags are trying to get me to pay a bill that I have absolutely nothing to do with. They hire a collection company with zero evidence or even bother to confirm that they have the right person. Looks like they have a lot of fake reviews. Shady company!! – Review from 10/19/2023 by John

I have had a contract with Velocity LLC since October 31st, 2019. It is now May 25th, 2021, and it has still not been resolved. I have 40 pages of excuses and have sent them to Heather and Selena, but they blocked my phone calls and my emails. Terrible company, all of them were very nice as long as they were getting money from me, but after two years I demanded results and they cut me off. – Review from 05/24/2021 by David

Positive Feedback

We switched several months ago and have been very happy with the service and support when we need help! The onboarding was great and it’s been so much easier than our previous provider. Plus we are saving over $1000 per month! – Review from 07/06/2023 by Beth

Velocity Business Solutions should be your go-to merchant processing company. They have very competitive rates and their support is over and above the norm. I highly recommend Velocity Business Solutions and Velocity LLC. They worked with me without hesitation and made everything right for me during COVID when I had to close my business. – Review from 10/25/2022 by William

Source: BBB

Velocity, LLC Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Processing Rates Variable
Monthly & Annual Fees Yes
Cancellation Penalties Yes
Equipment Leasing Yes

Extended Contract Obligations

Merchant feedback suggests that Velocity’s payment processing contract closely mirrors that of Smart Choice Payments. The Smart Choice Payments Merchant Application and Program Guide outline a three-year agreement accompanied by an early termination fee of $495, a monthly PCI compliance fee of $4.95, a $25 monthly minimum fee, a $10 monthly statement fee, and an obligatory four-year equipment lease through Northern Leasing Systems.

Moreover, there’s a reported additional early termination fee of $900 upon cancellation, reminiscent of a similar charge by Wholesale Merchant Processing. However, the reason behind this fee under either name remains unclear.

Virtual Terminal and Payment Gateway Costs

Velocity, LLC, leverages the Smart Choice Payments merchant application, which integrates a virtual terminal and payment gateway via Payeezy, powered by First Data (Fiserv). Payeezy offers two plans: the Basic Plan and Pro Plan. Neither imposes setup, statement, or gateway fees. The Basic Plan entails a rate of 2.90% plus $0.30, while the Pro Plan offers a lower rate of 1.89% plus $0.23 alongside a $19.95 monthly fee.

Caution Regarding Lengthy Leases

Velocity’s contract terms surpass industry norms in terms of expense, potentially warranting a rating no higher than “C” on their own. However, two additional factors contribute to lowering the company’s rating to an “F” in this category. Firstly, agents frequently bundle processing agreements with extended equipment leases through Northern Leasing Systems, infamous for their non-cancellable four-year leases charging thousands for equipment purchasable under $500. Secondly, recurrent complaints about undisclosed contract terms suggest that many businesses enroll without awareness of these fees, exacerbating the impact of the contract’s duration and fee structure on unsuspecting entrepreneurs.

Above-Average Expenses

Velocity’s contract terms appear subpar overall, with pricing falling far from competitive with the cheapest merchant accounts available. For merchants seeking better alternatives, we recommend exploring our list of the best merchant accounts.

Velocity, LLC Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Yes
Misleading Marketing No
Discloses All Important Terms No

Sales Complaints

Like Smart Choice Payments, Velocity appears to sell its products and services through a combination of telemarketing and independently contracted sales agents. We have found a number of Velocity, LLC reviews that cite nondisclosure of contract terms, undelivered goods, and difficulty contacting sales agents after the contract was signed. A number of complaints from former and current employees also describe a “hiring mill” type of environment. This does not compare favorably to our list of best credit card processors.

A New Type of Complaint

Velocity’s payment processing complaints generally mirror those filed against Smart Choice Payments, and some Smart Choice complaints also mention Velocity as though they are the same company. However, Velocity has also generated a growing number of complaints related to its marketing services. In particular, the company appears to offer clients the ability to advertise on hotel room keycard envelopes. Many business owners state that they never received any proof that these advertisements were created or circulated. Although this does not relate to payment processing, it is a fairly damning trend for a company that promotes itself as both a credit card processor and marketing service.

Some Red Flags

Taking into account the complaints filed against both Velocity and its various DBAs, we have assigned the company a “D” in this section. If you suspect that Velocity is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.

Velocity LLC. marketing services
Velocity, LLC.’s hotel keycard marketing option

Our Velocity, LLC Review Summary

Our Final Thoughts

Velocity rates as a substandard credit card processing services provider according to our rating criteria, just like its various other aliases. A new name does not appear to have improved the quality of the company’s service, and its add-on marketing services have only generated more complaints from merchants. Velocity, LLC should not be confused with Velocity Merchant Services, an entirely separate payment processor. Businesses who have been contacted by Velocity are advised to request and review all documentation and compare it to top-rated all-purpose payment processors before signing up.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Velocity, LLC Treat You?

39 User Reviews

  • Hannah

    I just wanted to put in writing my gratitude towards Todd for today. He took the time to personally call me and help resolve my MASSIVE dilemma and I am very thankful for his understanding, kindness, and overall comforting approach to my uncomfortable situation. I appreciate the call and help from Bradley as well today. They both took time out of their day to resolve my dilemma with my card processing. Thank you again from the bottom of my heart and Merry Christmas.

  • scott verdow

    VERDOW MOTORCYCLE REPAIR INC.

    i am so glad we went with your company RACHEL has ben great helping staightening out my mess !!! i want to give credit to JAMISON TO HE WAS A GREAT HELP!!! I AM HOPING NOW WE GOT EVERYTHING RUNNING SMOOTH I CAN GET MY MONTHLY DUES DOWN THANX!

  • Todd McCartney

    Velocity

    A lot of these companies that you have me associated with, I have never been a part of and don’t even know who they are, I would love the opportunity to talk with you in more depth as I am sure as a writer you are about the real facts

    • Former friend

      Todd ripped me off

      Yeah right now Todd is trying to sell a $2 million house for $4 million because he is so f***** financially.. look up the most expensive house in Milwaukie Oregon and that is him trying to sell it for $4 million plus his girlfriend always wants him to buy New body parts for her and reduce her gigantic nose and have Botox surgeries and of course she’s only 22.

      • Todd McCartney

        Velocity LLC

        I feel bad for you Lee Alava that you feel the need to lash out, after I blocked you and your negativity. I did not wish to associate with you anymore, after multiple warnings not to make obscene comments, nor your drug use and habitual drinking problem. Like most Americans, my finances were affected by the pandemic because I chose to continue paying all my employees. I will not apologize for always buying a home in low of the market and selling in the height of it. Maybe you should spend some time working and servicing your customers instead of posting bogus reviews and sending me photos of you smoking blunts everyday. My fiancé has never had botox. Her insurance covered her deviated septum surgery. I didn’t know body shaming was still a thing in 2021! How would you feel if someone talked about your daughter like that? Well you probably wouldn’t care seeing as you don’t pay child support, and the only way she can receive money for your child, is if you force her to clean your home.

  • David Mowry

    I know that this is the correct business because I have paperwork with their logo on it do not do business with them this company has 31 complaints look up velocity reviews comparisons and and lawsuits before you do business with them. I have a contract began on October 31st 2019 it is now May 25th of 21 and is still not resolved I have 40 pages of excuses in email form and have sent them to Heather and Solana and nothing has happened they they denied having a contract with me so I sent them 40 pages of emails along with the contract. When I tried to contact them I had found that they had blocked my phone number and my emails the reason why I know that is I used a friend’s phone that is on the same phone system and I could get through just fine with that including the emails they simply just stopped communicating after all the money spent and all the promises I received nothing!

    • Todd McCartney

      Velocity LLC

      I am very sorry to hear about the issues you have had with my company, I assure you that we don’t even have the capability of blocking someone on our phone system. That is neither here nor there, I would like the opportunity to satisfy any issues you have with our company, please feel free to reach out to me directly at [email protected] and I would like to satisfy your needs sir.

  • Earl Bunnell

    VMS just sent me a bill for their services claiming early termination. But have refused to release 2 months of sales that they held, claiming they could not access my account. however during the time they said they could not access my account they withdrew service fees and then when I didn’t get my money I closed my account. I spoke to several people who said they would look into it but nobody ever called me back. Now I am finding out they also did not pay on the lease of my clover station so they are now trying to collect from me too. How they can still be allowed to operate in this manner is amazing. There seems to be no recourse. i would definitely be willing to precipitate in any class action against them

    • Todd McCartney

      Velocity LLC

      I am sorry to hear what is going on with your account sir, we do not have the capability of holding you funds, First Data whom controls over 55% of the credit card processing market is in control of these situations, if you have high chargebacks or any charges in question, you must provide them or us the documentation to verify these sales, once that is completed, your money is usually released pretty quickly. Are you sure it was my company that didn’t call you back or First Data risk? Either way, I am here now to help you in anyway that I can. As far as Velocity paying on “your Clover lease”, that is not something we would do. We also would not be collecting on that, but if you shut down your bank account, there may be a collection on your lease, I am not sure how that would be our fault, but am more than willing to discuss it with you, please reach out to me a [email protected]

  • john a williams

    I received my so called free terminal from Velocity merchants in August 2020 and have yet to receive service for the terminal to this date of January 21,2021. The customer service is very poor and they do not mind taking money from your account without satisfying the contract in which agreed upon. I have a brand new terminal that is 6 months old that i have never used and am getting charged for . They REFUSE to give me the proper address to mail the terminal back to so that i can properly terminate the account .

  • Veronica Lozano

    I would like thank Rob McEahern, Bradley Housman, of Velocity LLC, with the patience and good job I experienced on the credit card legal status. There needs to be more employees in this time of need working with people like me. Sincerely thank you for your help. Hope you will always be there for me. – Veronica Lozano

  • Lorie

    This company does not honor their contracts. They sell advertising on key card holders for hotels but the hotels never give out the key card holders. This is a fraudulent company. Do not give this company your credit card number.

    • Todd McCartney

      Velocity LLC

      Lorie, unfortunately, we can not force a hotel to use the key cards, 9 times out of 20 they do. I am sorry if they did not use them. I would like to offer you another hotel that will use them or a full refund of your purchase, please contact me directly to take care of this at [email protected]

  • Renee Berres

    this is a shady company. they sell you one thing, but produce another thing once you have paid up front. when I tried to get an explanation via email and phone, the “customer service” rep, and i use that term lightly, Nicole C. (should wouldn’t give me her last name) was very rude and unprofessional and would not budge from her standard practiced reply. My ad buy was not worth it and I will never do business with this company again. AVOID AVOID.

    • Todd McCartney

      Velocity LLC

      Renee, we pride ourselves at honoring all of our commitments, please tell me what it was that you purchased and we will either honor it or give you a full refund. If you’d be so kind to provide me with the date and time of your call with Nicole, I will review the call personally, please feel free to reach out to me directly at [email protected] to make sure you are 100% satisfied

  • Stacy

    Brad was very helpful! He went above and beyond assisting with our problem. He not only was kind, but patient too! He stayed on the line with me when First Data representatives were not helpful. We could not understand what they were saying, the one rep was ignoring my questions and they both hung up with out actually helping me with the problem.
    Brad took the time to try a fix the problem for our firm.
    We appreciate his time and efforts!

  • Kamal nakkour

    It is a scam, ripoff they tell something and do something else, they said we will save you 132.00$ a month l ended up with 3leases , after that ended up with two around 520.00 approximately ,l was supposed to one lease and no body care been waiting for the sales manager to call me no luck yet , they said will give cash discounts application that saves you money for 710.00$ including the lease for the equipment no luck they take 710.00$ plus two leases and 54.00 for cash discounts programs. Please be aware it is ripoff and money hangry.


    This post will help: Cancelling a Merchant Account Without Paying a Fee

    -Phillip

    • Todd McCartney

      Velocity LLC

      Kamal, I am very pleased that you have allowed us to work with you on resolving this matter. Thank you for having my wife and our friends to dine at your amazing restaurant, the food was spectacular. As we discussed the first lease was not created by us, and we are helping you get the others closed. The sales rep was terminated and we have changed the sales process with outside reps. to ensure this won’t happen again.

  • Angi Sandoval

    Wish I would have looked up this companies reviews before I was stupid enough to sign the worst contract in the world with them. I ignored alot of what was written in the contract under the verbal promise that I will not be held to the terms of the contract. Was told that they will write in the “special instructions” part of the contract all necessary to free me. No start up costs, no cancellation fees, will beat anyones price. Oldest trick in the book!
    Please read past page 8 in your contract!!!!!!!!!! That is where the horror begins and right where I stopped reading :< Don't end up like me. I had companies deducting from my bank account at times that I was not prepared. All I can hope 4 now is that I do save money on my monthly processing fees.
    What you dont know is that these special instructions only apply to them ( the company that hires people to double talk gullible, unsuspecting business owners) great job Velocity!! Velocity is a place you will never want to hear of again afterwards. Even if you get out of your contract with them it doesn't apply to the company charging you for the equipment! One person signed me up and about 4 different companies are contacting me. Leasing equipment department, processing place, paysafe place. ITS soooo confusing. Worst part is you call to complain about what has happened. You are very happily told why you confused or co fused you are being charged? Every th ing you are comaini g about you signed and agreed to?! Wished I could reach through the phone!! Sonyea, you will be so sad to see how you screwed yourself over by not Rmreading past page 8 in the contract!!!
    I'm a joke for trusting Mark Anthony's verbal promises.


    This post will help: Cancelling a Merchant Account Without Paying a Fee

    -Phillip

  • maruay

    I never get what they promise. They said My rate will go down Than I used to pay. After the first month, I end up Pay 5.26% My credit card processing only $9407.58 5.26% from $9407.58 will be 494.73+190 for Clover machine Total will be 684.73 a month this is way too much and nobody charged 5.26% in 2019. They said I will pay about $220 a month include Clover machine This is all the lie. We don’t make much money to pay over $600 a month. And I told the sale man I will sale My Bussiness soon and He’s said the Velocity will find the new customer for My contract After I sold my business They’re said I need to find somebody to take over My lease. My business has been sold 3 months already I can’t find any nobody to take over yet and I need to keep paying 123.84+190= 313.84 A month $190 for Clover machine I don’t have much money to pay every month. I contact them on jul 9 2019 12.23AM And now is 8/4/2019 10.19Pm Nobody from them can help yet.


    This post will help: Cancelling a Merchant Account Without Paying a Fee

    -Phillip

  • Nitaya

    Reply comment for Nitaya (Velocity Merchant Services ) or Velocity, LLC website govelocity.com, smart choice payment, Time Payment, First Data Global Leasing, they are working together to get rip off people hide fee , high leas , lie people, they have thousand of people everywhere try to call small business, and trying to making with high fee and high leasing , they don’t need long term business with people, all they do it , charge high fee , high deposit, and go with next stupid people that believe there lies , don’t believe them , they all lies to get people try out , but when you get in , nothing will be cheap like they told


    This post will help: Cancelling a Merchant Account Without Paying a Fee

  • Nitaya

    Rip off do not even pick up phone with Velocity Merchant Services , and First Data global Leasing , Time Payment, they all same business , if you have same issue leave complaints through this website , Bad experience with Velocity Merchant Services LLC , start out my small business and been using Bank of America for 6 months, I got phone call from Velocity sale representative so many time , he will help me save my money and want me try out for 90 days, if I don’t like , I can cancel with no fee , he told me the monthly fee is 200 , after I been using for months, I found out the monthly fee is almost 600$ so I call them , and tell them that is not right, then they will fix it for me , they told me the old guy made mistakes, will buy out old leasing and get me new one , so they let me sign up another one 665 per month to fix it and then they promised will fix 665 to 120 for me , they make me put deposit 2500$ for equipment under 2000$ value , I found out they did buy old lease and I compare the rate is more than my old company, so I close my account and sent all equipments back to Velocity, they bill me terminated fee 3200$ , 8700$ And more coming from Time Payment , this is rip off , I just start out small business and my first year , I lost a lot already then this company kill my business , I have to close my , selling to other people , if anybody have same is issue, make complaints to this website

  • Wen Dong

    This is great credit card processing company, which we have worked with for many years. The customer service representative, Rachel Mitts, is very knowledgeable and helpful. Highly recommended!

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