{"id":31079,"date":"2025-03-03T22:15:29","date_gmt":"2025-03-03T16:45:29","guid":{"rendered":"https:\/\/edunovations.com\/currentaffairs\/?p=31079"},"modified":"2025-03-03T22:15:32","modified_gmt":"2025-03-03T16:45:32","slug":"cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super","status":"publish","type":"post","link":"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/","title":{"rendered":"CUB CSK Co-Branded Credit Card: Exclusive Benefits for Chennai Super Kings Fans"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/#CUB_CSK_Co-Branded_Credit_Card_Exclusive_Benefits_for_Chennai_Super_Kings_Fans\" >CUB CSK Co-Branded Credit Card: Exclusive Benefits for Chennai Super Kings Fans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/#Why_This_News_is_Important\" >Why This News is Important<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/#Historical_Context\" >Historical Context<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/#Key_Takeaways_from_CUB_and_CSKs_Co-Branded_Credit_Card_Launch\" >Key Takeaways from CUB and CSK&#8217;s Co-Branded Credit Card Launch<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/#Important_FAQs_for_Students_from_this_News\" >Important FAQs for Students from this News<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/#1_What_is_the_CUB_CSK_co-branded_credit_card\" >1. What is the CUB CSK co-branded credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/#2_What_are_the_different_variants_of_the_CUB_CSK_credit_card\" >2. What are the different variants of the CUB CSK credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/#3_How_can_one_apply_for_the_CUB_CSK_credit_card\" >3. How can one apply for the CUB CSK credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/#4_What_documents_are_required_for_applying_for_the_credit_card_Required_documents_include\" >4. What documents are required for applying for the credit card? Required documents include:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/#5_What_are_the_key_benefits_of_the_CUB_CSK_co-branded_credit_card\" >5. What are the key benefits of the CUB CSK co-branded credit card?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/edunovations.com\/currentaffairs\/economy_finance\/cub-csk-co-branded-credit-card-exclusive-benefits-for-discover-the-exclusive-cub-csk-co-branded-credit-card-by-city-union-bank-and-chennai-super\/#Some_Important_Current_Affairs_Links\" >Some Important Current Affairs Links<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"CUB_CSK_Co-Branded_Credit_Card_Exclusive_Benefits_for_Chennai_Super_Kings_Fans\"><\/span>CUB CSK Co-Branded Credit Card: Exclusive Benefits for Chennai Super Kings Fans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">City Union Bank (CUB), a prominent private sector bank, has announced a strategic partnership with the Indian Premier League (IPL) franchise, Chennai Super Kings (CSK), to launch a co-branded credit card tailored for cricket enthusiasts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exclusive Benefits for Cardholders<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The CUB CSK co-branded credit card offers a plethora of exclusive benefits designed to enhance the financial experience of CSK fans:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bonus Reward Points<\/strong>: Cardholders can earn additional reward points on CSK-related merchandise, match tickets, and unique experiences. <\/li>\n\n\n\n<li><strong>Exclusive Access<\/strong>: Members gain privileged entry to team events, fan meet-ups, and special occasions, fostering a closer connection with the franchise.<\/li>\n\n\n\n<li><strong>Merchandise Discounts<\/strong>: Enjoy discounts and special offers on official CSK merchandise, allowing fans to showcase their team spirit. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Card Variants and Features<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To cater to diverse customer preferences, the co-branded credit card is available in three distinct variants:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>CUB CSK RuPay Platinum Credit Card<\/strong>: With a joining fee of \u20b9500 plus GST, this variant offers exclusive CSK co-branded goodies as a welcome gift, access to CSK merchandise discounts, a 1% fuel surcharge waiver at all fuel stations, airport lounge access, and comprehensive insurance coverage.<\/li>\n\n\n\n<li><strong>CUB CSK Master Platinum Credit Card<\/strong>: Priced at a joining fee of \u20b91,000 plus GST, cardholders receive an official CSK fan jersey upon meeting a spend threshold, along with benefits similar to the RuPay Platinum variant. <\/li>\n\n\n\n<li><strong>CUB CSK MasterWorld Credit Card<\/strong>: For a joining fee of \u20b94,000 plus GST, this premium variant offers an original Dhoni No.7 jersey as a welcome gift, alongside all the perks available in the other variants.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Digital Onboarding and Eligibility<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CUB has streamlined the onboarding process to be fully digital, targeting both existing and new customers. The eligibility criteria include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Age<\/strong>: Primary cardholders should be between 18 to 65 years old.<\/li>\n\n\n\n<li><strong>Residency<\/strong>: Applicants must be residents of India.<\/li>\n\n\n\n<li><strong>Employment<\/strong>: Both salaried and self-employed individuals are eligible.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Required Documentation<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Applicants need to provide the following documents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>PAN Card<\/strong>: Mandatory for all applicants.<\/li>\n\n\n\n<li><strong>Income Proof<\/strong>: Last 3 months&#8217; payslips, 6 months&#8217; bank statements, or Form 16.<\/li>\n\n\n\n<li><strong>Residence Proof<\/strong>: Passport, Driving License, Voter ID, or Aadhar Card.<\/li>\n\n\n\n<li><strong>Identity Proof<\/strong>: Passport, Driving License, Voter ID, or Aadhar Card. <\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\" id=\"Chennai-Super-Kings-credit-card\"><img decoding=\"async\" width=\"1024\" height=\"573\" src=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2025\/03\/Chennai-Super-Kings-credit-card-1024x573.jpeg\" alt=\"Chennai Super Kings credit card\n\" class=\"wp-image-31138\" title=\"Chennai Super Kings credit card\" srcset=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2025\/03\/Chennai-Super-Kings-credit-card-1024x573.jpeg 1024w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2025\/03\/Chennai-Super-Kings-credit-card-300x168.jpeg 300w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2025\/03\/Chennai-Super-Kings-credit-card-768x429.jpeg 768w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2025\/03\/Chennai-Super-Kings-credit-card-600x336.jpeg 600w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2025\/03\/Chennai-Super-Kings-credit-card.jpeg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Chennai Super Kings credit card<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_This_News_is_Important\"><\/span><strong>Why This News is Important<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Enhancing Fan Engagement<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The collaboration between CUB and CSK signifies a novel approach to fan engagement by integrating financial products with sports fandom. This strategy not only offers fans monetary benefits but also strengthens their emotional connection to the team.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Innovative Banking Solutions<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By introducing a cricket-themed credit card, CUB showcases its commitment to innovative banking solutions that cater to niche markets. This move reflects the bank&#8217;s adaptability and customer-centric approach in a competitive financial landscape.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Economic Implications<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The partnership is poised to boost consumer spending in sectors related to sports merchandise, events, and tourism. Such collaborations can have a ripple effect on the economy, promoting growth in associated industries.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Historical_Context\"><\/span><strong>Historical Context<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Evolution of Co-Branded Credit Cards in India<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Co-branded credit cards have been a part of the Indian financial ecosystem for over two decades, primarily in sectors like retail and travel. Banks have partnered with airlines, retail chains, and fuel companies to offer specialized benefits to customers. The CUB-CSK collaboration marks a significant entry into the sports domain, reflecting the growing commercialization and fan engagement strategies in Indian cricket.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sports and Financial Collaborations<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Globally, sports franchises have collaborated with financial institutions to offer co-branded financial products, enhancing fan loyalty and providing exclusive benefits. In India, such collaborations are emerging, indicating a maturing market that recognizes the potential of integrating sports enthusiasm with financial services.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Takeaways_from_CUB_and_CSKs_Co-Branded_Credit_Card_Launch\"><\/span><strong>Key Takeaways from CUB and CSK&#8217;s Co-Branded Credit Card Launch<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>S.No<\/th><th>Key Takeaway<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td><strong>Strategic Partnership<\/strong>: CUB has partnered with CSK to launch a co-branded credit card for fans.<\/td><\/tr><tr><td>2<\/td><td><strong>Exclusive Benefits<\/strong>: Cardholders enjoy rewards like bonus points, merchandise discounts, and event access.<\/td><\/tr><tr><td>3<\/td><td><strong>Multiple Variants<\/strong>: The card is available in RuPay Platinum, Master Platinum, and MasterWorld variants.<\/td><\/tr><tr><td>4<\/td><td><strong>Digital Onboarding<\/strong>: CUB offers a fully digital onboarding process for both existing and new customers.<\/td><\/tr><tr><td>5<\/td><td><strong>Enhanced Fan Engagement<\/strong>: This initiative strengthens the bond between CSK and its fanbase through financial incentives.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Chennai Super Kings credit card<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Important_FAQs_for_Students_from_this_News\"><\/span><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Important FAQs for Students from this News<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_What_is_the_CUB_CSK_co-branded_credit_card\"><\/span><strong>1. What is the CUB CSK co-branded credit card?<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The CUB CSK co-branded credit card is a special financial product launched by City Union Bank in partnership with Chennai Super Kings, offering cricket fans exclusive benefits such as bonus reward points, merchandise discounts, and access to CSK events.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_What_are_the_different_variants_of_the_CUB_CSK_credit_card\"><\/span><strong>2. What are the different variants of the CUB CSK credit card?<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The credit card comes in three variants:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CUB CSK RuPay Platinum Credit Card<\/strong><\/li>\n\n\n\n<li><strong>CUB CSK Master Platinum Credit Card<\/strong><\/li>\n\n\n\n<li><strong>CUB CSK MasterWorld Credit Card<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Each variant offers different levels of benefits, including merchandise discounts and exclusive CSK experiences.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_How_can_one_apply_for_the_CUB_CSK_credit_card\"><\/span><strong>3. How can one apply for the CUB CSK credit card?<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Applicants can apply through City Union Bank\u2019s digital platform, ensuring a hassle-free process. Eligibility criteria include age (18-65 years), Indian residency, and employment status (salaried or self-employed).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_What_documents_are_required_for_applying_for_the_credit_card_Required_documents_include\"><\/span><strong>4. What documents are required for applying for the credit card?<\/strong><br>Required documents include:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PAN Card<\/li>\n\n\n\n<li>Identity Proof (Aadhar, Passport, Voter ID, or Driving License)<\/li>\n\n\n\n<li>Residence Proof<\/li>\n\n\n\n<li>Income Proof (Salary slips, Bank statements, or Form 16)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_What_are_the_key_benefits_of_the_CUB_CSK_co-branded_credit_card\"><\/span><strong>5. What are the key benefits of the CUB CSK co-branded credit card?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bonus reward points on CSK-related transactions<\/li>\n\n\n\n<li>Discounts on CSK merchandise<\/li>\n\n\n\n<li>Access to exclusive team events and fan meetups<\/li>\n\n\n\n<li>Fuel surcharge waiver<\/li>\n\n\n\n<li>Lounge access (for higher variants)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Some_Important_Current_Affairs_Links\"><\/span>Some Important Current Affairs Links<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/national\/\" target=\"_blank\" rel=\"noreferrer noopener\">State Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/sports\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sports Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--3\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/international\/\" target=\"_blank\" rel=\"noreferrer noopener\">International Current Affairs<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/banking\/\" target=\"_blank\" rel=\"noreferrer noopener\">Banking Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a 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