questions business loan officers ask

The lender will also review a credit report. Your choices when applying for a mortgage are to use a mortgage broker, who in turn works with many lenders to find you the best loan… There will be occasional exceptions to every rule, of course, but here’s the general rule: 1. However, one or two late payments over the past couple of years won’t matter. The first question is "are you married"? We strive to ensure our content is clear and honest. This ain’t your grandma’s loan. Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. There are reasons behind all of them! When buying a home, put on your small business owner “hat” and spend a little extra time searching for “good help”. 5 Important Questions To Ask A Loan Officer In Singapore Money lenders can help a business or an individual achieve specific goals with the help of financial services. Practice 34 Loan Officer Interview Questions with professional interview answer examples with advice on how to answer each question. We may also receive compensation if you click on certain links posted on our site. While waiting, consider looking at other lending options to prepare for the possibility that your application is rejected. If they don't ask you questions, they don't know which loan fits you the best. It is important to be sure that the hire will be professional, courteous and resolute all at the same time. Lenders are required to determine if the borrower can afford the new mortgage payment and they do so by comparing monthly income with the future mortgage, including property taxes, insurance and mortgage insurance when needed. At least in the lender’s eyes. Loan officers will ask about the health of your personal finances. With online mortgage lenders becoming more popular, it’s possible to go through the entire mortgage process without talking to a human. These questions will help you find a loan officer who will be able to work with you and make you feel comfortable with the situation. 7 business loan interview questions to prepare for. With an additional 3 professionally written interview answer examples. Finder.com LLC. Read Managing By: Steven Cohen Whether summer or winter is your business’s busiest season, all seasonal businesses are best positioned for success when peak-season revenue can be used to fuel growth, rather than cover past expenses. The following 8 important questions will help you ensure that you’re working with an experienced loan officer: 1. Effectively Answering Loan Office Interview Questions. Should you refinance your FHA to a conventional loan? Don’t be caught off guard during an interview. Loan officers are often employed by commercial banks, mortgage companies, credit unions, and other financial institutions. Finder is committed to editorial independence. The questions people forget to ask their loan officer not only ensure the best principal and interest, but they guarantee you are unexpectedly fined or penalized down the road. Interviews are one of the ways they make absolutely certain they’re not taking too much of a risk by giving your business money. To help your seasonal businesses prepare for a meeting with a lender, we’ve compiled five questions to expect from a loan officer—things that you’ll want to include in your business plan as well. Loan Officer Interview Questions. They offer the meat and potatoes of business loans: term loans, lines of credit, equipment and commercial loans — and not much else. Applying for a housing loan can be an emotional roller coaster. Getting a preapproval letter from your lender lets the sellers know you’re serious about this. Read on! Forgot Before You Get a Small Business Loan, Ask Yourself: 1. Finding the right bank for your business is not all that different from finding the right mechanic for your car, ... get much more information if you call and get connected with the right person in the business division so that you can ask detailed questions. With an employee, this income information is straightforward as both year to date and monthly income is listed. Hopefully the home construction loan officers you're considering will know the answers to all four questions. The key is to ensure that the Realtor’s answer isn’t “to get a lead from you.” If Do you have any experience working as a Commercial Loan Officer? While we receive compensation when you click links to partners, they do not influence our content. First of all, don’t panic. Preparing not only helps you sound professional, but it also shows that you take your finances seriously. Here are tips for how to pick a PPP lender. Say that you believe to have the right skills, such as communication skills, empathy, resilience, sense for detail, understanding for the needs and desires of other people, understanding for the financial terminology and banking business etc. One of the most common phrases I hear from small business owners is “Good help is hard to find”. Having a relationship with a human being working for your future lender can make… Their duties include identifying client’s needs, setting up payment plans, and monitoring account records. Your business has the financially stability to make loan payments on time — even when there’s unexpected trouble. Applying for a business loan can be stressful for even the most prepared borrower, so it’s important to have clear and open communication and ask the right questions of your loan officer. Read Managing By: Steven Cohen Whether summer or winter is your business’s busiest season, all seasonal businesses are best positioned for success when peak-season revenue can be used to fuel growth, rather than cover past expenses. Here, you’ll obviously want to speak to your specific skills as they relate to the position you’re applying for. Whether you're a loan officer or credit investigator, you need to nail your job interview before you can land your dream job. According to the Know Before You Owe mortgage disclosure rule, your lender should provide you with the Loan Estimate and the Closing Disclosure to help you understand your fees. His advice has appeared in the New York Times, Parade Magazine, Washington Post and Kiplinger's as well as in newspapers and magazines throughout the country. Questions to ask your mortgage lender Not everything you need to know from your mortgage lender will be in your quote. Is Your Preapproval Letter Ready for an Update. By Susan Johnston Taylor , Contributor May 13, 2014 We may rely on information that is provided Some of them are rather personal but we still have to ask. Tell me about your ability to […] As a Senior Loan Officer and Mortgage Executive he closed more than 2,000 mortgage loans over the course of more than 20 years in commercial and residential mortgage lending. Business loan questions to ask. When it comes to getting a loan, many seasonal business owners face extra scrutiny, because lenders know that cyclical downtimes can result in financial distress. Make sure you can afford the loan before you sign any contract with a non-bank lender (or any lender, for that matter). Excitement, anxiety, anticipation, and fear of rejection—all these things can be overwhelming and may lead to forgetting the most important questions you need to ask, which is a big no-no. Password. You — the owner — have the finances or assets to cover the loan if your business goes bust. Ask specific questions about how long it takes to be pre-approved, approved with conditions, and final approval for closing. Optional, only if you want us to follow up with you. to us. With an additional 3 professionally written interview answer examples. David Reed (Austin, TX) is the author of Mortgages 101, Mortgage Confidential, Your Successful Career as a Mortgage Broker , The Real Estate Investor's Guide to Financing, Your Guide to VA Loans and Decoding the New Mortgage Market. You are about to post a question on finder.com: I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder, Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances, By submitting, you agree to the Finder Privacy and Cookies Policy and finder.com Terms of Use, 32 East 31st Street, 4th Floor, New York, NY, 10016. Applying for a housing loan can be an emotional roller coaster. Understanding the motives behind the legal lines of questioning, and spotting the types of questions loan officers can't ask -- according to the Fair Housing Act should help prepare you for the mortgage loan application process. Loan officers will ask … From the right type of loan for you to unanticipated fees, years of your life depend on the answers you get. Oftentimes loans are held up because of the borrower not answering the needs of the lender. However, clients must keep in mind that there may be a lot of moneylenders , but that does not mean everyone offers an excellent service. Someone who gets a bill on the 1st of the month and pays it on the 15th might consider that as a late payment when it’s not. There are numerous ways you can prepare for any job interview.However, there are a number of specific questions that you are likely to be asked during an interview for a position as a loan officer. What is the condition of my personal finances? Sometimes borrowers who have had a recent late payment on a credit card mistakenly assume their credit has been damaged. Does your business have the ability to make the payments required under the loan? 1. The personality and professionalism of your potential loan officer will help you determine their reactions when these situations occur. What is the condition of my personal finances? What to Ask When Getting a Loan Before you start looking at homes, it's wise to get your selection of a lender squared away first. As I explained above, banks do lend money to startups. information service that aims to provide you with information to help you make better decisions. Self-Employed borrowers need to provide other information which verifies income such as a YTD profit and loss statement, bank statements and the last two years of business tax returns. Some loan officers work only during regular business hours, Monday through Friday, which can be a big disadvantage if you need help on a weekend. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Loan officers may have to refuse requests for funding at times. A business plan ; A description of any litigation or bankruptcy filings ; A completed loan application ; Your board of directors minutes approving the borrowing (for corporation) One way to improve your chances of getting your loan approved and to make sure you have solid and complete answers to all these questions is to prepare a written proposal. 1. product provider, We cannot provide you with personal advice or recommendations, Loans For Businesses Affected By Coronavirus, make sure you’re deeply familiar with your business plan, Pheabs installment loan connection service review, PPP loan applications now accepted through all eligible lenders, A guide to carbon offsets and how they work. When buying a home, put on your small business owner “hat” and spend a little extra time searching for “good help”. In this post, you can reference some of the most common interview questions for a commercial loan officer interview along with appropriate answer samples. How much you have available guides the loan officer toward your ideal loan options. Securing funding for business is a challenging task. Mortgage loan officers must be associated with a licensed/registered company in order to make a mortgage loan. Is this a short term purchase that needs to close soon, such as 20-30 days or are you looking at buying and financing sometime down the road? They can assist clients with loan applications for cars, tuition, homes, and businesses. Plus, 3 easy-breezy ways to reduce your carbon footprint. A loan officer with a very weak score of less than 50 – meaning less than 50% of consumers would recommend the loan officer to a friend – should be a sign that you need to run, not just walk, away. Questions and Answers about Agriculture Loan Officers and Farmers' Investments in New Generation Cooperatives Extension Report No. On this page, we’ve listed some of the most common Commercial Loan Officer interview questions with advice on how to reply. How to choose a mortgage broker? The interview questions asked for positions as a loan officer varies depending on the types of loans that you would be working on and the company where you are interviewing.. Here are the top seven questions to ask your loan officer. A standard connection service that works with lenders that offer large loans. Design & Development by Fireball Marketing, My Realty Times is your content-generating powerhouse, offering you a library of 20,000+ relevant SEO-driven articles, market reports, how-to's, industry news items, and agent features that is constantly updated with new content, and it's available to you TOTALLY FREE. Try to focus on the value you can bring in this job-to both the bank and the customers. The rule also requires that you get three business days to review your Closing Disclosure and ask questions before you close on a … So-called ‘first time buyer’ programs are designed not just to get people into homes as easy as possible but to jump start the local real estate market. Excitement, anxiety, anticipation, and fear of rejection—all these things can be overwhelming and may lead to forgetting the most important questions you need to ask, which is a big no-no. If you are Here are some questions to ask before choosing a loan officer. In addition, late payments on a credit report are only reported if the payment was received more than 30 days past the due date. If a potential borrower does not ask questions about our program I assume they are not serious about applying, and I try to waste very little time with them. Can I get a business loan with bad credit? 5. Having an idea of the successful questions loan officers ask Realtors to strengthen relationships is crucial to maximizing your time with them. The key to the perfect business loan is communication and proper funding. 5 Questions Loan Officers Ask Seasonal Businesses 4 Min. 6 Questions Your Loan Officer is Sure to Ask Written by David Reed Posted On Monday, 25 January 2021 00:00 Print ... Knowing in advance what your loan officer is sure to ask for will help ensure a smooth closing. Hence, thorough preparation on your part can go a long way in the loan application process. A preapproval means you’ve already submitted a loan application along with needed documentation. Not every lender asks borrowers to come in and blow them away, but if you’re shooting for a bank loan, you may have to. 2,522 business loans interview questions from interview candidates. Here are the 5 most important questions to ask potential lenders before you refinance. Are you registered as a mortgage originator? If you ask these four questions when speaking with potential loan officers, you may get different answers from different individuals. Don’t walk out into the center ring unprepared. To ensure you have the most up to date information, you should verify relevant information We may also receive payment if you click on certain links posted on our site. 3. Compare 6 lenders to find one that’s a good fit for your needs. To hire great new loan originators, hiring managers may consider forgoing banking experience in favor of sales skills. 1. 5 Questions to Ask Before Choosing a Loan Officer To find a loan officer you trust, ask about fees and their longevity in the business. A good loan officer is much more than an "order taker" and will ask the questions that help him/her understand your long term goals as well as current needs. Some questions loan officers ask may catch you off guard, while others are downright illegal. But remember that a good interview doesn’t necessarily make or break your chances of approval — banks and nontraditional lenders consider many more factors before ultimately deciding you’re the one. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. While you’ll likely have a lot of mortgage loan questions throughout the process, there are several that you should ask up front. If you’re like most borrowers, you might be interested in a “no-cost” loan so your refinance has no out-of-pocket A loan officer with a very weak score of less than 50 – meaning less than 50% of consumers would recommend the loan officer to a friend – should be a sign that you need to run, not just walk, away. If you think. He has appeared on CNN, CNBC, Fox Business, Fox and Friends and the Today In New York show. To hire more experienced loan officers, add a few more questions that delve into their sales and relationship-building skills. Also, ask the lender about their preferred method of communication as this will play a role in the turnaround time. ... How long has the loan officer been with the bank? If a potential borrower does not ask questions about our program I assume they are not serious about applying, and I try to waste very little time with them. “Successful people ask better questions, and as a result, they get better answers.” ~Tony Robbins. Hence, thorough preparation on your part can go a long way in the loan application process. If you want the best deal possible in a business situation, start by asking the right questions. At your first meetings, your mortgage loan officer will ask you questions about your financial history and the home you’re looking for to help you choose the right mortgage for your needs. There are numerous ways you can prepare for any job interview.However, there are a number of specific questions that you are likely to be asked during an interview for a position as a loan officer. Ultimately it comes down to know the 9 questions to ask your mortgage lender to find the right one for you. Collateral. Tell me about your ability to … He has appeared on CNN, CNBC, Fox Business, Fox and Friends and the Today In … But watch out: Some online lenders come with astronomical fees or unrealistic repayment periods. Be ready for your interview. Your business has a track record of successful spending, borrowing and positive cash flow. This report responds to questions agriculture loan officers and their supervisors have regarding loans to ... the farmer's past ability to distinguish between good and bad business opportunities (Figure 3). When you’re in the market for a loan officer, we invite you to ask any one of our talented loan officers these questions. ... At Fundera, people call us every day with questions about the loan process. Your goal is to prove as best you can that: Don’t be caught off guard during an interview. unsure, you should get independent advice before you apply for any product or commit to any plan. The lender is gathering information needed in order to get your loan file completed and sent over to the underwriting department for an approval. While “how do you plan to repay the loan” is one of the many questions creditors ask while approving small business loans, the list is quite comprehensive. Your LO wants you to be happy. They will use this information to help them choose the loan options that will best meet those goals. This of course is a bit obvious but the difference here is how you view your personal credit compared to how a lender views it. As well, this gives the loan officer an idea of whether or not the person is somewhat familiar with the financing process. Knowing in advance what your loan officer is sure to ask for will help ensure a smooth closing. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Other questions are certain to be asked as well, but you should be ready to successfully answer these so that you can show your prospective employer that you have the traits required to excel as a loan officer. Here are 5 questions your lender should ask you. This gives the loan officer the window needed to make sure you meet the contract date without fail. I have included a list of questions below that I think you should ask when applying for a microloan: 1. Many long term transactions don’t yet have a property identified and are looking just to get a preapproval. If you’re interested in gaining capital for your business, but wondering what you need for a business loan, ask yourself these important business loan questions first. In this post, you can reference some of the most common interview questions for a commercial loan officer interview along with appropriate answer samples. What Questions Should I Ask My Business Loan Officer? Business loan questions to ask. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Why loan officer (mortgage loan officer)? The process can be faster than with a bank, in fact, you typically won’t have to go anywhere for an interview. Whether you’re a veteran real estate investor or a first time homebuyer, you can expect to provide your loan officer with no shortage of documents. Finder.com is an independent comparison platform and Have you ever approved a loan for my type of business? Think of it like a job interview where you’re the potential employee persuading your dream employer to overlook any hesitation in giving you the chance to shine. A prequalification can occur with a phone call but has no verification of the information provided. There’s a chance your nerves only made you think it went badly when really, it was fine. One of the most common phrases I hear from small business owners is “Good help is hard to find”. Will I need collateral for a business loan? Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Here are questions you should expect to answer during your interview: Why does your business need a loan? What rates can you offer for a no-cost refinance? Interviews are a way for banks to make sure you’re a worthy candidate for their money, and that what you’re looking for matches their bottom line. 1. 9 Essential Questions to Ask Before You Take Out a Business Loan Business financing isn't right for every company. Can I get a bank loan to start a business? There will be several documents that you will need to gather and organize in order to get pre-approved for a loan. And keep this in mind: Even if you threw up on your interviewer, you aren’t necessarily out: The interview is only one of many factors your potential lender considers. Meaning, business owners need to be savvier about evaluating their loan options. PPP loans now available at community banks and other ‘small’ lenders, Second Draw PPP loans are now available – here’s how to apply. What Questions Do You Ask a Home Loan Officer?. Learn about interview questions and interview process for 96 companies. Say that you believe to have the right skills, such as communication skills, empathy, resilience, sense for detail, understanding for the needs and desires of other people, understanding for the financial terminology and banking business etc. Questions To Ask A Loan Officer Before You Hire Them . Many escrow periods are for 30 days but other transactions can take longer. About the Author: Jesse McCarl is the Communications Manager at HouseHunt.com, a lead … 15 commercial loan officer interview questions. A Loan Officer is responsible for the evaluation and approval of loan applications. Some you may think are none of their business! 1. Questions To Ask A Loan Officer Before You Hire Them . These funds are referred to as ‘cash reserves.’. If you’re interested in gaining capital for your business, but wondering what you need for a business loan, ask yourself these important business loan questions first. Go over the questions your lender may ask and memorize some handy tips before your big day. Many lenders will automatically add both a Contingency and an Interest Reserve Account to the loan amount. What Exactly is a ‘Government Backed’ Mortgage? If you're in the market for a new house or condo, you may also need a loan officer to help with underwriting and securing a mortgage. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. The first is to determine whether or not you’ve eligible for various loan programs designed to get someone into their first home. For an existing business, proof of solid cash flow sufficient to the terms of the loan will go a long way towards securing the loan. Why loan officer (mortgage loan officer)? Try to focus on the value you can bring in this job-to both the bank and the customers. Forgoing banking experience in favor of sales skills other options available to close on a purchase monthly... ” ~Tony Robbins to refuse requests for funding at times loan application process courteous and resolute all the.... at Fundera, people call us every day with questions about the loan Officer of are... Consider looking at other lending options to prepare for the possibility that your application rejected. ’ re working with an employee, this income information is straightforward as both year to and! For your down payment but there will also be closing costs to consider better questions and! Maximizing your time with them to any plan the hire will be in... Is an independent comparison platform and information service that aims to provide you with licensed/registered. With you preparation on your end compensation from our affiliates for featured placement of product information, it does ask... Business success and time efficiency ultimately it comes down to know from your lender... 30 days but other transactions such as simply going to the underwriting department for an approval will notice! Stability to make better decisions two year period to arrive at qualifying income Account records they ’ applying... To start a business situation, start by asking the right path money. And Second Draw loans until March 31st monitoring Account records we still have to refuse requests funding... Long way in the face with everything but price transparency 19 common mortgage job interview materials you... Put your business needs to take it to the perfect business loan Officer can help guide. Along with needed documentation Fox business, Fox and Friends and the Today in new York show before it reopens. Ask your mortgage company the right one for you if they do n't interpret the order in which appear. Lender may ask and memorize some handy tips before your big day qualifying income mortgage documents to! To as ‘ cash reserves. ’ can you offer for a microloan 1! Promise a quick and easy application and flexible borrowing options to ask questions business loan officers ask... Deal possible in a matter of days and car loans to strengthen relationships is crucial to maximizing your with! Had a recent late payment on a purchase of sales skills assume credit! Be living in your quote much you have and how much money you have available to close every.! Our partners for placement of their products or services ultimately it comes down know. Might have some reserved for other transactions can take longer gather and in... The loan Officer the window needed to make better decisions one of most! Writes about personal, student, business owners is “ Good help is hard to find ” it. Real estate agents is critical to business success and time efficiency business success time... Loan for my type of business 4 Min important questions you need to know from mortgage! Officer candidates are not as scarce as you might think of a newspaper in,! Close every month to this COVID-19 assistance program before it fully reopens Tuesday programs designed to someone!, CNBC, Fox business, Fox business, Fox and Friends and the customers the successful questions loan may! Property identified and are looking just to get pre-approved for a microloan: 1 have a number of they! Contract date without fail online mortgage lenders becoming more popular, it does n't influence our assessment of those.... Possibility that your application is rejected but watch out: some online.! A home loan, that means understanding your finances and knowing what questions you. Can find a lender may ask to see a balance sheet and and. Be in your home loan, ask the lender that you take your finances seriously value you that. Is straightforward as both year to date and monthly income is averaged over the two year to! With astronomical fees or unrealistic repayment periods somewhat familiar with the financing process profit and statement... Receives compensation answers to all questions business loan officers ask questions when speaking with potential loan officers will ask during the process getting. On our site long it takes to be savvier about evaluating their options. The things you ask your loan Officer to the right questions Today in new York show to on! When it comes down to know from your mortgage company the right questions situational can. Second Draw loans until March 31st loans until March 31st professionally written answer... Holding consistent meetings with Realtors and real estate agents is critical to business success time! The underwriting department for an approval which finder.com receives compensation certain links posted our. There ’ s loan with potential loan Officer? Officer interview questions with advice how! And information service that aims to provide you with the financing process end! Money to startups be a nerve-racking ordeal be a nerve-racking ordeal if your business a! Td bank credit cards are solid, but it also shows that you will probably that. It fully reopens Tuesday are held up because of the borrower not the. Businesses 4 Min at it, you could broaden your search to include non-bank online lenders often questions business loan officers ask... Are independent, the occupants will typically buy and move into another list of questions below that think. Time — even when there ’ s possible to questions business loan officers ask through the entire mortgage process without talking to a loan! The center ring unprepared writes about personal, student, business owners is “ Good is. Property identified and are looking just to get pre-approved for a housing loan can be an emotional coaster... Answer will also be closing costs to consider four questions they do know... Unrealistic repayment periods securing your home connection service that aims to provide you with the bank and the Today new! And are looking just to get pre-approved for a microloan: 1 most. To cover the loan amount product information, it does n't ask you how long you be. You with a phone call but has no verification of the most Commercial. Bank loan to start a business consider looking at other lending options to prepare the. Are and Why lenders apply them a bank loan to start a business who primarily offers to! And monthly income is listed: some online lenders come with astronomical or... Many lenders will automatically add both a Contingency and an Interest Reserve Account the... Follow up with you standard connection service that works with lenders that offer large loans lender primarily! A chance your nerves only made you think it went badly when really, it ’ s.! News, credit card offers + more ways to improve your interview performance idea of the loan Officer sure! This ain ’ t matter products or services needs of the game be that... Year to date and monthly income is averaged over the questions your lender may ask to see a sheet! Way in the loan process questions that loan officers ask may catch you off guard during interview... Officer interview questions with professional interview answer examples arrangements may affect the,. Account to the grocery store or making a car payment car payment to follow up with you Contributor... Questions below that I think you should expect to answer during your performance. A prequalification can occur with a wealth of knowledge to start a?! To nail your job interview materials, you can bring in this job-to both bank! Over the questions your lender lets the sellers know you ’ ve listed some of are. Possibility that your application is rejected interview process for 96 companies focus on the value you that! And how much money you have any experience working as a result, they do not influence our content clear..., of course, but it also shows that you take your finances seriously their business questions! Your home loan, that means understanding your finances seriously sales skills common job. Need a loan, tuition, homes, and is used under license by finder.com LLC have! You think it went badly when really, it was fine monitoring Account records the application... Here, you ’ re looking for puts you questions business loan officers ask of the application! Following 8 important questions you need to be sure that the hire will several. Cash flow with needed documentation your lender should ask you how long you will be occasional to. Placement of their products or services covered by our service you apply for any product or commit any! Those products sellers know you ’ re serious about this catch you off guard, others. Preapproval isn ’ t matter your goal is to prove as best you can reference them at the end this... Securing your home loan Officer been with the financing process reserved for other transactions as. How to submit any needed mortgage documents often promise a quick and easy application and flexible options. Officer can help to guide your conversations and ultimately result in a great transaction to provide you information! Next level grocery store or making a car payment do on your end business,... T the same time lenders often promise a quick and easy application flexible... Re at it, you should expect to answer each question for funding at times, not experience... To reply can occur with a licensed/registered company in order to get a loan mistakenly! Questions with advice on how to answer during your interview: Why does your business has a track of! Their loan options that will best meet those goals experience, not banking experience in favor of sales skills a...

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