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Interest rates LIBOR / EURIBOR / TDA / AIR / SOFR / IRCC / IRCB:

Interest rates din 15.11.2026 din 15.12.2026
LIBOR 6M USD 5.7623% 5.7623%
EURIBOR 6M EUR 3.0740% 2.9920%
AIR 6M MDL 3.87% 3.98%
Interest rates din 20.10.2026 din 20.11.2026
AIR 6M USD 0.61% 0.61%
6M Termsofr USD 4.2691% 4.1895%
NEW Euribor 6M EUR 3.0740% 2.9920%
IRCB MDL 3.94% 4.28%
IRCC MDL 5.61% 6.11%
Reference interest rate for loans under the Programme „373” 01.01.2026 - 30.06.2026 01.07.2026 - 31.12.2026
MDL 5.57% 5.66%
EUR 1.59% 1.38%
USD 1.59% 1.38%
Reference interest rate for loans under Programme 373, effective from 17 May 2024,
with quarterly interest rate adjustments		 01.04.2026 - 30.06.2026 01.07.2026 - 30.09.2026
MDL 5.79% 5.71%
EUR 1.26% 1.16%
USD 1.26% 1.16%

Atragem atenția asupra faptului că ratele procentuale sunt rate variabile şi se modifică odată la 6 luni.                                                                                                                                                                                                                                                                                                                                        
LIBOR (London Interbank Offered Rate) este rata medie procentuală la creditele debursate pe piața internațională. LIBOR este cel mai frecvent indicator al ratelor procentuale în lume, pe termen scurt, fiind calculat de către Asociația Bancherilor Britanici.

AIR 6M USD este media pentru ultimele 6 luni a costului financiar al fondurilor atrase de către Bancă în USD (costul cheltuielilor din dobânzi, comisioane, inclusiv cele ce țin de garanțiile financiare aferente fondurilor respective, dacă există), calculată pentru luna precedent publicării.

TERM SOFR este rata de referință cu maturitatea de 6 luni, publicată de către Grupul CME (Chicago Mercantile Exchange) desemnat ca administrator pentru calcularea și publicarea ratelor TERM SOFR. Aceasta, reprezintă un set zilnic de estimări anticipative ale ratei dobânzii de referință în dolari americani.

EURIBOR (European Interbank Offered Rate) este rata minimă sau de bază la creditele debursate pe piaţa europeană. Indicatorul de referinţă este calculat de Federația Europeană Bancară, care reprezintă interesele instituțiilor de creditare în ţările din zona Euro, precum și Islanda, Norvegia, Elveția și Asociația Piețelor Financiare.

AIR 6M MDL este media pentru ultimele 6 luni a costului financiar al fondurilor atrase de către Bancă în MDL (costul cheltuielilor din dobânzi, comisioane, inclusiv cele ce țin de garanțiile financiare aferente fondurilor respective, dacă există), calculată pentru luna precedentă.

IRCB (indicele de referință clienți business) se bazează pe soldul mediu zilnic pentru luna de raportare al fondurilor atrase de Bancă în monedă națională și pentru fondurile externe atrase, în monedă națională și costul acestora ce țin de cheltuielile cu dobânzile, comisioanele, inclusiv cele aferente garanțiilor financiare, dacă este cazul, pentru luna anterioară.

Pentru creditele eliberate din Programul de stimulare a investițiilor „373” aprobat prin Hotărârea Guvernului nr. 351/2023 din 07.06.2023, rata dobânzii este revizuită o dată la 6 luni și se stabilește în funcţie de fluctuaţia ratei de referinţă publicate de Banca Națională a Moldovei.

Rata de referință, publicată de Banca Națională a Moldovei, este calculată ca rata medie ponderată a dobânzilor la depozitele noi atrase în valută cu termenul de la 6 la 12 luni, total pe sectorul bancar (sursa: www.bnm.md).

Informația referitor la rata de referință pentru Programul de stimulare a investițiilor „373” , este publicată pe pagina web oficială a Programului (www.373.gov.md), precum și pe pagina web oficială a ODA (www.oda.md)

La data de 17.05.2024 a intrat în vigoare Hotărârea Guvernului nr.327/2024 pentru modificarea unor hotărâri ale Guvernului (facilitarea accesului la finanțe pentru ÎMM) prin care au fost efectuate modificări la Hotărârea Guvernului nr. 351/2023 pentru aprobarea Programului de stimulare a investițiilor „373”.

Începând cu data de 17.05.2024 pentru creditele noi debursate se vor utiliza ratele de referință care sunt revizuite și publicate de către ODA o dată la 3 luni și ajustate și aplicate corespunzător de către BC ProCredit Bank S.A. , conform următoarelor:

Luna de referință pentru stabilirea ratei de referință-Octombrie, - anul precedent
Perioada de aplicare a ratei de Referință de către EFP – 01 ianuarie – 31 martie, anul curent

Luna de referință pentru stabilirea ratei de referință -Ianuarie, anul curent
Perioada de aplicare a ratei de Referință de către EFP- 01 aprilie – 30 iunie, anul curent

Luna de referință pentru stabilirea ratei de referință- anul curent Aprilie,
Perioada de aplicare a ratei de Referință de către EFP- 01 iulie – 30 septembrie, anul curent

Luna de referință pentru stabilirea ratei de referință- anul curent Iulie,
Perioada de aplicare a ratei de Referință de către EFP- anul curent 01 octombrie – 31 decembrie
 

Sau sub formă de tabel:

Luna de referință pentru stabilirea ratei de referință de către BNM Perioada de aplicare a ratei de referință de către Bancă
Octombrie, anul precedent 01 ianuarie – 31 martie, anul curent
Ianuarie, anul curent 01 aprilie – 30 iunie, anul curent
Aprilie, anul curent 01 iulie – 30 septembrie
Iulie, anul curent 01 octombrie – 31 decembrie

→ Arhiva ratelor procentuale

BANK GUARANTEES - RELIABLE PARTNERSHIPS FOR YOUR BUSINESS!

 

At ProCredit Bank, we understand the importance of solid partnerships for a successful and long-lasting business. To help you maintain current relations and establish new collaborations, we offer support through bank guarantees. This essential tool directly contributes to increasing your business's credibility and the trust of your partners, providing the security you need for continuous growth.

What does a bank guarantee involve?

It is a service that provides you, as the beneficiary, with the assurance that the financial obligations undertaken by your partner will be respected and fulfilled according to the agreement.
📋 What are the advantages of using a bank guarantee?

Discover how a bank guarantee can strengthen your position in front of partners and help you manage your resources:

  • Superior negotiation: More advantageous contractual terms.
  • Access to liquidity: Obtaining an advance before delivery.
  • Solid financial proof: Confirms the stability of your business.
  • Commercial protection: Security against breach of contract.
⚙️ How does a bank guarantee work?

The process involves interaction between you, your partner, and the banks involved:

  1. The contract: The need for a guarantee is established in the commercial contract.
  2. The request: The applicant asks their bank to issue the document.
  3. The issuance: The bank transmits the guarantee to the beneficiary's bank.
  4. The claim: If the obligations are not met, a payment request is submitted to the bank.
✅ Why choose ProCredit Bank?

Business financing: You can obtain a flexible credit product that allows both the issuance of guarantees and the financing of current operations.

Dedication: You benefit from international expertise and dedicated consultants for your development plans.

Which type of bank guarantee should you use?

Types of Guarantees and Their Purpose

Payment Guarantee: 
Used to ensure that payment is made for the goods or services purchased.

Tender Guarantee (Bid Bond): 
Ensures the fulfillment of the contractual obligations undertaken by the Bidder towards the organizer within a tender.

Advance Payment Guarantee: 
Ensures the return of the advance payment to the importer if the exporter fails to meet their contractual obligations.

Performance Bond (Performance Guarantee): 
Ensures the proper execution of contractual terms, namely the provision of services or delivery of goods as agreed.

Temporary Admission Guarantee: 
Ensures the payment of customs duties in the event that goods brought temporarily into the country are not returned to their country of origin.

Indirect Guarantee: 
Serves as collateral when the beneficiary requests the issuance of a guarantee by a third-party bank.

Bank Guarantee Application Form
Sample of Completed Bank Guarantee Application

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Fill in the form and a bank specialist will contact you as soon as possible.

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Call: 0800 000 10

For international calls:
+373 22 27 07 07

 

mda.office@procredit-group.com
 

Working hours:

Monday-Friday: 08:00-18:00  
Saturday, Sunday and public holidays: 09:00-18:00

The National Program for Youth Economic Empowerment supports young people from rural areas who wish to develop entrepreneurial skills and start or expand a business in the production sector, providing financial support and access to resources through dedicated projects.

This project is implemented by the Government of the Republic of Moldova through the Ministry of Finance and the Public Institution “External Assistance Programs Management Office”.

The National Program for Youth Economic Empowerment is a grant component intended for individuals aged 18 to 30 who wish to develop their entrepreneurial skills, expand their own business, or launch an activity in the production sector carried out in rural areas. The program is financed through the FIDA I or RISP I projects and includes a grant component of 40% of the loan amount.

National Program for Youth Economic Empowerment

Equipment, machinery, tools, and new aggregates for the following production activities:

  • agriculture (processing, packaging, storage, preservation);
  • food industry;
  • processing/packaging/storage/preservation of agricultural products;
  • manufacturing of machinery, devices, and equipment;
  • production of construction materials;
  • extractive industry / wood / textile / metals / paper and cardboard industry.

Up to 420,000 MDL

Up to 5 years

10% of the investment value

Interest rates can be consulted in the section Information Disclosure .

The International Fund for Agricultural Development is an international organization that supports activities in agriculture and agricultural processing. Beneficiaries may be medium-sized enterprises with an agricultural profile, of any legal form, from all regions of the Republic of Moldova, except for the municipalities of Chișinău and Bălți.

This Project is implemented by the Government of the Republic of Moldova through the Ministry of Finance and the Public Institution Office for the Management of External Assistance Programs.

The Bank offers loans from the refinancing resources of the Credit Line Directorate under the Ministry of Finance, within the FIDA programs.

Rural Financing and Small Enterprise Development Program (FIDA 1)
  • Production, harvesting and storage of: fruits, berry crops, vegetables, aromatic and medicinal plants, table grapes, forestry crops, seeds and planting material;
  • Production of animal-origin products, including the purchase of breeding animals;
  • Purchase of agricultural equipment, irrigation systems and greenhouse construction;
  • Provision of agro-technical services;
  • Construction or repair of storage facilities and cold storage halls for agricultural products;
  • Other agricultural and rural development activities.

Up to USD 500,000 or the equivalent in MDL/EUR.

  • Up to 5 years;
  • Up to 15 years for investments in perennial plantations.

Minimum 10% of the investment value.

Agriculture Revitalization Program (FIDA 2)
  • Vineyard and orchard planting
  • Production, processing and packaging of agricultural products
  • Collection and cold storage of agricultural products (refrigeration equipment)
  • Seed and seedling production, greenhouse vegetable cultivation
  • Purchase of agricultural machinery and irrigation systems
  • Development of livestock and poultry populations
  • Agricultural mechanization services (plowing, sowing, etc.)
  • Workshops for maintenance and repair of agricultural machinery and other village facilities
  • Harvest storage and preservation services
  • Other agricultural and rural development activities

Up to USD 250,000 or the equivalent in MDL/EUR.

Up to 7 years;
Up to 15 years for investments in perennial plantations.

Minimum 20% of the investment value.

Rural Business Development Program (FIDA 3)
  • Vineyard and orchard planting;
  • Production, processing and packaging of agricultural products;
  • Collection and cold storage of agricultural products (refrigeration equipment);
  • Seed and seedling production, greenhouse vegetable cultivation;
  • Purchase of agricultural machinery and irrigation systems;
  • Development of livestock and poultry populations;
  • Agricultural mechanization services (plowing, sowing, etc.);
  • Workshops for maintenance and repair of agricultural machinery and other village facilities;
  • Harvest storage and preservation services;
  • Other agricultural and rural development activities.

Up to USD 150,000 or the equivalent in MDL/EUR.

Up to 15 years for investment projects.

Minimum 20% of the investment value.

Rural Financial Services and Marketing Program (FIDA 4)
  • Planting and maintenance of vineyards and orchards
  • Production of seedlings and fruit/vine planting material
  • Construction or restoration of greenhouses and heating systems
  • Development or rehabilitation of irrigation systems for horticulture
  • Storage and packaging of horticultural products directly by the producer
  • Mechanized services related to horticultural development
  • Processing and packaging of horticultural products
  • Transportation of horticultural products
  • Construction or restoration of horticultural product storage facilities
  • Other agricultural and rural development activities

Up to USD 250,000 or the equivalent in MDL or EUR

Up to 5 years

Minimum 20% of the investment value

Rural Financial Services and Agricultural Business Development Program (FIDA 5)
  • Production, harvesting and storage of: fruits, berry crops, vegetables, aromatic and medicinal plants, table grapes, forestry crops, seeds and planting material;
  • Production of animal-origin products, including the purchase of breeding animals;
  • Agricultural equipment, irrigation systems and greenhouses;
  • Agro-technical services;
  • Construction/repair of storage halls and cold storage facilities for agricultural products;
  • Other agricultural and rural development activities.

Up to USD 250,000 or the equivalent in MDL or EUR

Up to 8 years

Minimum 20% of the investment value

Interest rates can be consulted in the Information Disclosure section

The Rural Investment and Services Project (RISP), financed by the World Bank and implemented by the Government of the Republic of Moldova, provides financial support for the development of rural businesses, covering investments in various fields, from agriculture to processing and trade. With flexible repayment conditions, this program enables access to financing for investments and working capital, supporting long-term economic growth.

This Project is implemented by the Government of the Republic of Moldova through the Ministry of Finance and the Public Institution Office for the Management of External Assistance Programs.

Program objective: to provide long-term support to economic sectors in rural areas.
Potential beneficiaries are small and medium-sized agricultural enterprises from all territorial units of the Republic of Moldova, except for the cities of Chișinău and Bălți.
The Bank offers loans from the refinancing resources of the Credit Line Directorate under the Ministry of Finance, within the following programs:

RISP I – Rural Investment and Services Project, Phase 1
  • Investments in agricultural farms – development of agricultural and horticultural production
  • Development of processing, storage, packaging, and marketing
  • Investments in non-agricultural economic activities (tourism, handicrafts, etc.)
  • Other rural development activities

Up to USD 500,000 or the equivalent in MDL/EUR.

Up to 7 years.

Minimum 20% of the investment value.

RISP II – Rural Investment and Services Project, Phase 2
  • Investments in agricultural farms – development of agricultural and horticultural production
  • Development of processing, storage, packaging, and marketing
  • Investments in non-agricultural economic activities (tourism, handicrafts, etc.)
  • Other rural development activities

Up to USD 500,000 or the equivalent in MDL/EUR.

Up to 7 years.

Minimum 20% of the investment value.

Detailed information about the lending conditions is available in the Information Disclosure section

FINANCING FOR SUCCESSFUL BUSINESSES!

 

Loans for business modernization and investments in advanced technologies, with financial support for energy efficiency, reduction of carbon emissions, and alignment with EU standards. The loans provided through EBRD – EU4Business resources include a grant of 10% or 15% of the financed amount, depending on the complexity of the project and its alignment with EU requirements and standards.

Logo EU4Business EBRD Logo EU4Business  

 

This financing program is launched with the support of the European Union and the EBRD, through the EU4Business initiative, to support Small and Medium-sized Enterprises (SMEs) in the Republic of Moldova in the process of modernization, improving product quality, and aligning with European standards. The objective is to facilitate SMEs’ access to the opportunities offered by the DCFTA Agreement.

The financing program includes:

  • EBRD credit line disbursed through B.C. “ProCredit Bank” S.A.;
  • Grants amounting to 10–15% of the loan amount, and free technical assistance financed by EU4BUSINESS.

Client benefits:

  • Flexible program for diverse investment needs;
  • Opportunity to align processes and products with European Union directives;
  • Access to the EU market;
  • Advantageous lending conditions;
  • Repayment plan adapted to the specifics of the activity.

Beneficiaries of the financing project: Small and Medium-sized Enterprises (SMEs).

Istorii de succes

EU4Business – EBRD Credit Line with facilities

The EU4Business–EBRD Credit Line combines loan and leasing financing with free technical assistance and cash-back incentives that reduce investment costs, thus facilitating business modernization and growth.

Co-financed through the EU4Business initiative, the program is designed to help SMEs align with EU Directives, improve the quality of products and services, and promote environmental responsibility.

The program promotes open market access for countries such as Moldova within the Deep and Comprehensive Free Trade Area (DCFTA). It provides SMEs with the tools they need to increase competitiveness and benefit from export opportunities, leveraging Moldova’s relatively low cost base to compete effectively in EU and regional markets.

EU investment incentives of 10–15% are calibrated to support investments in more complex and costly technologies.

The EU4Business – EBRD Credit Line offers three types of loans:

  • Pre-Approved Approach: Some projects only require the modernization of standard equipment. For EU-compliant equipment, we have developed the List of Eligible Technologies (LET), and for green technologies, the Green Technology Selector (GTS). Both can be financed directly through Partner Financial Institutions, with financing of up to the equivalent of EUR 300,000. A 10% grant is available after successful verification of project implementation.
  • Simplified Approach: Fast-track procedures are available for smaller loans of up to EUR 300,000, intended for investments in improving product quality and safety in the agriculture and food processing sectors, as well as sanitary and phytosanitary (SPS) measures. The project consultant reviews the investment plan to ensure it meets very clear eligibility requirements. After successful verification of project implementation, a grant of up to 15% is available.
  • Complex Approach: Loans of up to EUR 3 million are available for almost any modernization project in almost any industry or service sector. Investments requiring a more comprehensive technical and financial assessment may benefit from free technical assistance to optimize the investment plan and develop a business plan. After successful verification of project implementation, a grant of up to 15% is available.

For more details, click HERE

Would you like to find out more information?

Fill in the form and a bank specialist will contact you as soon as possible.

By checking the box and clicking the Submit button, I hereby expressly agree to the processing of the data entered on this page and confirm that I have read and accept the ProCredit Bank Privacy Policy. 

 

ProCredit Bank is not liable for incorrectly entered data in the form.

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Do you have a question?


Call: 0800 000 10

For international calls:
+373 22 27 07 07

 

mda.office@procredit-group.com
 

Working hours:

Monday-Friday: 08:00-18:00  
Saturday, Sunday and public holidays: 09:00-18:00

INVEST IN SUSTAINABLE TECHNOLOGIES - BE ECO-FRIENDLY AND EFFICIENT!

Modernize your agricultural business with high-performance, energy-efficient, and environmentally friendly agricultural equipment — through an agro loan tailored to your business needs.

  • Environmentally friendly equipment – modern agricultural technologies such as mini-till, no-till, strip-till systems.
  • High-performance combines – next-generation engines Tier 4 / Stage V, with reduced fuel consumption and lower emissions.
  • Efficient irrigation systems – investments in low-water-consumption systems for irrigation needs.
  • Cold storage facilities – high-efficiency cooling units with advanced thermal insulation to maintain low temperatures.

Credit offer: Zero own contribution

  • Currency of the loan: flexibility in choosing the financing currency – MDL, EUR, or USD.

  • Customized repayment plan, tailored to the company’s specifics and financial capacity. Grace period of up to 12 months.

  • Preferential costs: access to financing through programs such as 373, EU4Business (with a grant component), FIDA, etc.

  • Extended financing period – up to 12 years, helping to reduce pressure on cash flow.

The financing term offers flexibility, adapting to the rhythm of your business. You can benefit from a grace period and a seasonal repayment schedule, making it easier to manage payments throughout your agricultural activity.

The interest rates can be viewed in the section Information Disclosure.

Advantages for beneficiaries

  • Flexible guarantees: we accept a wide range of collateral; access to financial guarantees such as ODA, SIDA, etc.

  • Free technical consultation for equipment selection

  • Full project financing, including VAT – full coverage of investment costs

  • Possibility of interest rate subsidies, making the investment more affordable

  • No hidden fees

  • Dedicated personal consultant

You benefit from financial solutions tailored to your business, ensuring a simple and efficient process for purchasing agricultural equipment, without additional procedures.re.

Subsidisation

Logo AIPA 

Acceptance of ODA guarantees as collateral

Logo ODA 

Participation in the “373” Programme

Logo 373 

Would you like to find out more information?

Fill in the form and a bank specialist will contact you as soon as possible.

By checking the box and clicking the Submit button, I hereby expressly agree to the processing of the data entered on this page and confirm that I have read and accept the ProCredit Bank Privacy Policy. 

 

ProCredit Bank is not liable for incorrectly entered data in the form.

CAPTCHA

Do you have a question?


Call: 0800 000 10

For international calls:
+373 22 27 07 07

 

mda.office@procredit-group.com
 

Working hours:

Monday-Friday: 08:00-18:00  
Saturday, Sunday and public holidays: 09:00-18:00

INVEST IN ECO-SUSTAINABLE TECHNOLOGIES WITH PROCREDIT BANK!

We finance energy-efficient industrial equipment, low-consumption production lines, smart climate control systems, next-generation LED lighting, and electric or hybrid vehicles – essential solutions for a sustainable, efficient, and responsible business environment.

Our credit offer

  • Currency of the loan: flexibility in choosing the financing currency – MDL, EUR, or USD.

  • Extended financing period – up to 12 years, helping to reduce pressure on cash flow.

  • Customized repayment plan, tailored to the company’s specifics and financial capacity. Grace period of up to 12 months.

  • Preferential costs: access to financing through programs such as 373, EU4Business (with a grant component), FIDA, etc.

We offer long-term financing with zero down payment for the purchase of energy-efficient equipment, covering the full value of your investment. You can benefit from a grace period and flexibility regarding the currency, repayment term, and payment schedule.

The interest rates can be viewed in the section Information Disclosure.

Advantages for beneficiaries

  • Dedicated personal consultant

  • Flexible guarantees: we accept a wide range of collateral; access to financial guarantees such as ODA, SIDA, etc.

  • No hidden fees

  • Free technical consultation for equipment selection

  • Full project financing, including VAT – full coverage of investment costs

  • Possibility of interest rate subsidies, making the investment more affordable

You benefit from financial solutions tailored to your business, ensuring a simple and efficient process for acquiring equipment, without any additional procedures.

Subsidisation

Logo AIPA 

Acceptance of ODA guarantees as collateral

Logo ODA 

Participation in the “373” Programme

Logo 373 

Would you like to find out more information?

Fill in the form and a bank specialist will contact you as soon as possible.

By checking the box and clicking the Submit button, I hereby expressly agree to the processing of the data entered on this page and confirm that I have read and accept the ProCredit Bank Privacy Policy. 

 

ProCredit Bank is not liable for incorrectly entered data in the form.

CAPTCHA

Do you have a question?


Call: 0800 000 10

For international calls:
+373 22 27 07 07

 

mda.office@procredit-group.com
 

Working hours:

Monday-Friday: 08:00-18:00  
Saturday, Sunday and public holidays: 09:00-18:00

MIA INSTANT B2B PAYMENTS AT PROCREDIT BANK!

 

MIA Instant B2B Payments enables companies to make and receive instant payments in MDL between accounts opened with different banks participating in the national instant payments system.

 

Business clients of ProCredit Bank holding an MDL account can send and receive payments within seconds, at any time and on any day, to and from clients of other banking and non-banking financial institutions in the Republic of Moldova, using only the beneficiary’s IBAN.

 

Transfers are simple, fast, and secure, and the solution supports the daily financial flows of businesses without delays or complicated procedures.

Why choose MIA Instant B2B Payments through ProCredit Bank?

With MIA Instant B2B Payments, transactions are completed within seconds, and funds reach the beneficiary immediately. The service is available 24/7, so you can make transactions whenever you need.

You initiate the transaction easily using the IBAN code directly in ProBanking Business. Partners see the amounts instantly in their accounts, enabling faster confirmations.

You benefit from a fixed transaction fee: 0.7% of the payment amount, but no more than 40 MDL. This keeps costs under control.

MIA B2B Usage Steps
 

1.
Log in to ProBanking.
2.
Select the National Payments menu.
3.
Enter the beneficiary’s IBAN code.
4.
Enter the amount and payment purpose.
5.
Select the payment type - Instant payment.
6.
Sign electronically.
These are the simple steps that will ensure the money reaches the recipient’s account instantly.
Amount and commission
Limits
Maximum transaction amount
500,000 MDL
Processing fee
0.7% (max. 40 MDL)
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