Wolf Theiss

Banking & Finance

Recent years have presented financial markets across the globe with historic challenges. With world markets finally regaining balance, your business needs fresh thinking to help you adjust to the demands of new regulations and political and economic developments.

Known for its analytic rigor, our Banking & Finance team draws on its banking product expertise. We collaborate with all our teams, including our regulatory, dispute resolution and restructuring teams to help you realise your business goals. It's routine for us to provide clients with innovative, customised solutions: much imitated, our financing techniques have set the standard for the industry.

The largest banks, insurers and financial institutions and their customers in CEE/SEE trust us on issues ranging from commercial lending, project financing and private equity to regulatory work, Medium Term Notes (MTN), Eurobonds, IPOs, takeovers, credit-linked notes, securitisations, de-listings and loan portfolios.

We're aware that regulatory issues are driving banking and financial markets these days. This is why we've made it such a high priority to develop relationships with local regulators, stock exchanges and government officials. We pass the benefits of these relationships on to you as we advise on MiFID II, CRR, payment services, and data protection, EMIR, MAD II, Investment Fund Regimes (UCITS IV, UCITS V) and AIFMD.

Contact
Markus
Heidinger
Partner
T. +43 1 51510 5060
F. +43 1 51510 665060
Schubertring 6
1010 Vienna
Austria
Lawyers
Naida Čustović
Law Office Custovic - Independent Attorney at Law in Cooperation with Wolf Theiss
Ronald B. Given
Co-Managing Partner
Petra Heindl
Senior Associate
Ramona Hromei
Senior Associate
Mimo Hussein
Senior Associate
Rebeka Kleytman
Senior Associate
Melinda Pelikán
Senior Associate
Oleg Temnikov
Senior Associate
Jasmina Uzova
Senior Associate
Oksana Volynets
Senior Associate
Carina Wolf
Senior Associate
Areas of Specialisation

Finance / Project Finance

Whether you are or represent a project sponsor, developer, commercial bank, underwriter, debt and equity investor, supplier, export-credit agency, government agency, or contractor, we've represented clients with your concerns and ambitions. The same goes for purchasers financing a development on a project basis with PPPs and lenders in secured and unsecured financing transactions.


Financial Institutions

We participate in numerous transactions which involve all types of financial institutions, such as banks, trust companies, insurance companies and investment dealers. Our clients benefit from our expertise in M&A, capital structuring, acquisition finance and structured finance.

 

Derivatives

Our expertise covers the structuring, negotiation and documentation of derivatives transactions as well as certain regulations of exchange-traded derivatives, including swaps, futures, options, repurchase and participation agreements. Our experts worked on implementing EMIR, which means we know the ins and outs of this complex EU legislation.

Loan Portfolios Transactions

Increased activity in the distressed debt market is a potential opportunity for financial investors and banks looking to recover from low credit ratings and poor profitability performance, particularly within the Eurozone and CEE/SEE. Our lawyers routinely advise on NPL transactions using LMA standards throughout the region.

Deleveraging, Restructuring, Insolvency

We can help you deleverage bank assets and advise you on bankruptcy filings and restructurings to help minimise future legal challenges and potential liability hazards. We also address risks stemming from challenges to transactions, from their characterisation as preferential to their cancellation under avoidance rules. We bring a commercial perspective to our advice on turnarounds, asset protection and recovery as well as to banking, corporate or litigation laws.


Asset Management

Our team works extensively for various investment funds and fund managers, assisting them with fund establishment and marketing, management and structuring requirements, mergers of funds and fund management companies, requirements for reporting and filing and passporting of UCITS-compliant funds. A core focus of our team is also the AIFMD and its implementation in the EU Member States of our region.

Capital Markets & Securities

If you're looking to raise capital, we have a variety of tools to help you: IPOs, secondary offerings and convertible and straight debt offerings are just a sampling. We also advise on all aspects of issuing debt, equity and hybrid securities. Our work typically includes stand-alone corporate bonds and sovereign issues, exchangeables, MTNs and debt issuance programs, convertibles, hybrid and Tier 1, securities, structured products and of course, equity.

Regulatory

In this sensitive legal field, we advise on all regulatory issues related to the establishment, licencing and operation of branches, subsidiaries and services on a local and cross-border basis, including capital and liquidity regulations such as Basel III, Basel IV, e-money, transparency requirements, compliance and white-collar criminal investigations. Our regulatory expertise includes MiFID II, MAD II, MAR, UCITS, Solvency II.

Press Releases

Newssquare WOLF THEISS ADVISES RAIFFEISEN BANK INTERNATIONAL AG (RBI) IN ISSUANCE OF €650,000,000 6.125% AT1 NOTES

Vienna, 5 July 2017 – Today, RBI closed an issuance of €650,000,000 6.125% AT1. Wolf Theiss and Linklaters advised RBI in this issuance, which was met...

Newssquare WOLF THEISS ADVISES WIENER STÄDTISCHE VERSICHERUNG

Vienna, 18 May 2017 – Erste Group and Wiener Städtische Insurance have once again placed their trust in Wolf Theiss for advice in the issuance of a...

Newssquare WOLF THEISS ADVISES JAPAN-BASED NIDEC CORPORATION IN ACQUISITION OF SECOP-GROUP

Vienna, 3 May 2017 – Wolf Theiss has advised Kyoto-based Nidec, one of the leading manufacturers of electric motors, components and accessories, in...

Newssquare WOLF THEISS FREUT SICH ÜBER IFLR AWARD 2017: HETA-DEAL ALS "RESTRUCTURING DEAL OF THE YEAR" GEKÜRT

Wien/London, 21. April 2017 - Wolf Theiss wurde bei der Verleihung der 2017 International Financial Law Review European Awards mit dem Preis...

Newssquare WOLF THEISS NAMED "CENTRAL AND EASTERN EUROPE LAW FIRM OF THE YEAR" AT CHAMBERS EUROPE AWARDS FOR EXCELLENCE

Vienna/London – 11 April 2017 – Wolf Theiss has been named "Central and Eastern Europe Law Firm of the Year" in this year's Chambers Europe Awards....

Newssquare WOLF THEISS STRENGTHENS ITS BANKING & FINANCE AND DISPUTE RESOLUTION TEAMS IN WARSAW

Warsaw, 1 February 2017 – Wolf Theiss once again added new members to two of its practice groups: Stefan Feliniak joined banking and finance and Paweł...

Newssquare WOLF THEISS BERÄT DIE ERSTE GROUP BANK AG BEI DER EMISSION EINES EUR 750 MILLIONEN HYPOTHEKENPFANDBRIEFS

Wien, 19.01.2017 – Die ERSTE GROUP BANK AG hat am 18.01.2017 auf dem internationalen Kapitalmarkt einen festverzinsten hypothekarisch besicherten...

Newssquare Wolf Theiss Belgrade advises the European Bank For Reconstruction And Development (EBRD) on its inaugural RSD-Denominated Bond Issue in Serbia

Vienna, 22 December 2016 – As of 15 December 2016, EBRD's issue of RSD 2,500,000,000 Floating Rate Bonds due December 2019 has been admitted to...

Newssquare Wolf Theiss berät Banco Bilbao, J.P. Morgan und Unicredit Bank Austria AG als Joint Lead Manager einer EUR 500 Millionen Anleihe der Telekom

Wien, 20. Dezember 2016 – Die Joint Lead Manager Banco Bilbao Vizcaya Argentaria, S.A., J.P. Morgan Securities plc und UniCredit Bank Austria AG haben...

Newssquare Wolf Theiss advises Heliad Equity Partners on its investment in MT Holding Gmbh

Vienna, 3 October 2016 – Wolf Theiss has advised Heliad Equity Partners on its acquisition of shares in Austria-based MT Holding GmbH. The previous...

Newssquare Wolf Theiss Finance & Tax Breakfast: Geldwäschebekämpfung bei Banken

Wien, 15. September 2016 – Die bevorstehende Umsetzung der 4. EU-Geldwäsche-Richtlinie bringt für den österreichischen Finanzmarkt einige Änderungen...

Newssquare Wolf Theiss berät HETA-Gläubiger im Zusammenhang mit dem neuerlichen Angebot

Wien, 06.09.2016 – Heute wurde das neuerliche (verbesserte) Angebot des Kärntner Ausgleichszahlungs-Fonds an die HETA-Gläubiger veröffentlicht. Eine...

Newssquare Wolf Theiss advises on acquisition of Scitec Nutrition

Budapest, 30 August 2016 – Wolf Theiss has advised Ascendis Health, a South African publicly listed health and care brands company, in their...

Newssquare BREXIT: WOLF THEISS EXPERTEN INFORMIERTEN ÜBER RECHTLICHE UND STEUERLICHE AUSWIRKUNGEN FÜR ÖSTERREICH UND DIE EU

Wien – Über 150 Teilnehmer informierten sich beim WOLF THEISS Brexit-Stresstest über mögliche rechtliche Konsequenzen des künftigen Austrittes der...

Newssquare ALEXANDER HAAS BECOMES PARTNER AT WOLF THEISS

Alexander Haas, 37, has been promoted to Partner at Wolf Theiss. Since 2006, Haas has been at Wolf Theiss in the Practice Group Banking & Finance and...

Newssquare Wolf Theiss named best law firm in Austria at prestigious IFLR awards

Wolf Theiss has been awarded "Best Law Firm in Austria" for the seventh time at the 2016 International Financial Law Review European Awards. The award...

Newssquare EXISTENZVERNICHTENDE VERWALTUNGSSTRAFEN AUFGRUND VON EU-VORGABEN: Welchen Handlungsspielraum hat der österreichische Gesetzgeber?

Wien, 12.4.2016 - Verwaltungsstrafen von bis zu € 5 Mio für Privatpersonen und bis zu € 15 Mio oder auch mehr für Gesellschaften können...

Newssquare WOLF THEISS BERÄT DIE RAIFFEISEN BANK INTERNATIONAL AG UND DIE UNICREDIT BANK AUSTRIA AG ALS JOINT LEAD MANAGER EINER EUR 150 MILLIONEN ANLEIHE DER CA IMMOBILIEN ANLAGEN AKTIENGESELLSCHAFT

Wien, 15.02.2016 – Ein Bankenkonsortium um die beiden Joint Lead Manager Raiffeisen Bank International AG und UniCredit Bank Austria AG hat eine EUR...

Newssquare WOLF THEISS BERÄT DIE ERSTE GROUP BANK AG UND DIE RAIFFEISEN BANK INTERNATIONAL AG ALS JOINT LEAD MANAGER EINER EUR 90 MILLIONEN ANLEIHE DER BEST IN PARKING – KONZERNFINANZIERUNGS GMBH

Wien, 05.02.2016 – Ein Bankenkonsortium um die beiden Joint Lead Manager Erste Group Bank AG und Raiffeisen Bank International AG hat eine EUR 90...

Newssquare WOLF THEISS BERÄT DIE RAIFFEISEN-LANDESBANK (RLB) STEIERMARK AG BEI DER EMISSION EINER 500-MILLIONEN-ANLEIHE

Wien, 21.01.2016 – Die RLB Steiermark hat im Januar am internationalen Kapitalmarkt hypothekarisch fundierte Bankschuldverschreibungen mit einem...

Newssquare EIN- UND AUFSTIEG BEI WOLF THEISS

Wien, 3. November 2015 - Leopold Höher, 33, verstärkt seit Oktober als Counsel das Team der Praxisgruppe Banking & Finance bei Wolf Theiss. Höher ist...

Newssquare WOLF THEISS SOFIA'S PARTNER KATERINA KRAEVA IS THE ONLY NEW BOARD MEMBER TO THE BRITISH BULGARIAN BUSINESS ASSOCIATION

As of September 2015, Partner Katerina Kraeva is a Board Member of the British Bulgarian Business Association (BBBA). The new Board of Directors was...

Newssquare WOLF THEISS ADVISES INTERRITUS AND ATTESTOR ON THE SUCCESSFUL ACQUISITION OF KOMMUNALKREDIT AUSTRIA AG

Vienna - 29 September 2015 - The closing of the acquisition of 99.78% shares in Kommunalkredit Austria AG by the strategic partners, Interritus and...

Newssquare WOLF THEISS ADVISES VTB BANK (AUSTRIA) AG ON A SUCCESSFUL CAPITAL INCREASE OF EUR 200 MILLION

Vienna, 07 September 2015 - VTB Bank (Austria) AG ("VTBA") has successfully increased its Common Equity Tier 1 capital ("CET 1") by way of a capital...

Newssquare WOLF THEISS VERTRITT 18 NACHRANGGLÄUBIGER DER HETA ASSET RESOLUTION AG ERFOLGREICH VOR DEM VERFASSUNGSGERICHTSHOF

Wien, 28. Juli 2015 – Der Verfassungsgerichtshof hat den im letzten Jahr gesetzlich angeordneten Schuldenschnitt betreffend nachrangige...

Newssquare WOLF THEISS ADVISES UNIQA ON THE SUCCESSFUL PLACEMENT OF EUR 500 MILLION SUBORDINATED NOTES (TIER 2)

Vienna, 21 July 2015 * UNIQA Insurance Group AG (UNIQA) has successfully placed Subordinated Notes (Tier 2) in an aggregate principal amount of EUR...

Newssquare WOLF THEISS SOFIA ADVISED ARCO CAPITAL CORPORATION LTD. ON THE FINANCING OF BUSINESS PARK SOFIA, IS THE PREMIER OFFICE PARK IN SOUTHEASTERN EUROPE

Sofia, 9 July 2015, UniCredit Bank Austria AG and UniCredit Bulbank AD have jointly participated in the refinancing of the largest office park in...

Newssquare SEVERAL BILLION FORINTS MAY BE REFUNDED TO HUNGARIAN FIRMS

In its recent decision concerning Hungary, the European Court of Justice ruled that any national regulation and practice precluding the payment of...

Newssquare WOLF THEISS ADVISES VOLKSBANK REAL ESTATE SERVICES ON SALE OF SEVERAL OFFICE BUILDINGS IN BUDAPEST

Vienna, Budapest – 27 April 2015 – Volksbank Real Estate has sold several office buildings in Budapest to Convergen Central Europe Kft. International...

Newssquare WOLF THEISS ADVISES UNICREDIT BANK AUSTRIA ON THE ACQUISITION OF 45% OF THE SHARES IN UNICREDIT TIRIAC BANK, ROMANIA

Vienna/Bucharest, 5 June 2015 – Wolf Theiss advised UniCredit Bank Austria AG ("UCBA") in acquiring a 45 per cent shareholding interest in UniCredit...

Newssquare WOLF THEISS ADVISES LONGTERM CEO OF DEUTSCHE BANK AUSTRIA AG ON HIS BUY-IN AT SEMPER CONSTANTIA PRIVATBANK

Dr. Bernhard Ramsauer has acquired shares of Semper Constantia Privatbank during a management buy-in and has been appointed new chairman of the board....

Newssquare WOLF THEISS AND COOLEY ADVISE VIVO CAPITAL AND ORBIMED ON INVESTMENT IN NABRIVA THERAPEUTICS

Nabriva Therapeutics AG announced the successful completion of a USD 120 million Series B financing, led by US based investors Vivo Capital and...

Newssquare WOLF THEISS ADVISES PRIVATE EQUITY FUND ADVENT ON THE ACQUISITION OF HYPO ALPE ADRIA`S SEE NETWORK

One Austrian banking holding, six SEE banks and three leasing companies in the region with total assets of EUR 8.4 billion: The SEE network of...

Client Alerts / Newsletters

Newssquare Further Pieces of MiFID II Puzzle Fall into Place

TECHNICAL STANDARDS BECOME EFFECTIVE

 

As 3 July 2017 gets closer, and January 2018 is also approaching rapidly, the regulators and the in-scope...

Newssquare MiFID II – Wag Ministerialentwurf – Massive Änderungen

Der Ministerialentwurf (ME) zur Umsetzung des Market in Financial Instruments Directive 2014/65/EU (MiFID II) Paketes in Österreich ist am 31.3.2017...

Newssquare The National Bank of Ukraine Continues Easing Exchange Control Regulations

The end of winter brought a number of measures promoted by the National Bank of Ukraine (the "NBU") and aimed at easing and deregulating exchange...

Newssquare IMPROVING THE POSITION OF SECURED CREDITORS UNDER REGISTERED PLEDGES IN BULGARIA

Almost two decades after being adopted following the model of the World Bank and UNCITRAL for non-possessory registered pledges, the Special Pledges...

Newssquare January 2017, new rules in financial business activities

The law on financial business activities in FBiH (law) aims at protecting and improving the position of small and medium-sized enterprises acting as...

Newssquare MANDATORY RES-E QUOTA BENEFITING FROM THE GC SUPPORT SCHEME WAS APPROVED

In a shift in green energy policy in Romania, the mandatory RES-Electricity quota benefiting from the green certificate support scheme was approved...

Newssquare Public consultation on cross-borders distribution of Investment Funds

Since 1985, the EU has sought to mobilize capital in Europe and encourage investment in all Member States by promoting cross border distribution of...

Newssquare PSD2: EBA CONSULTS ON STRONG CUSTOMER AUTHENTICATION AND COMMON AND SECURE COMMUNICATION

On 12 August 2016 the European Banking Authority (EBA) published a Consultation Paper on draft regulatory technical standards on strong customer...

Newssquare BULGARIA: READING BETWEEN THE LINES OF THE BANKING SYSTEM ASSESSMENT

The Bulgarian National Bank (BNB) released the results of the banking system overview, which was initiated earlier this year. Pursuant to the report...

Newssquare DEVELOPMENTS IN CONSUMER CREDIT REGULATION IN THE CZECH REPUBLIC

On 27 July 2016, the President of the Czech Republic signed a new Consumer Credit Act (the "CCA") that brings substantial changes to the provision of...

Newssquare A PTK. FINANSZÍROZÁSI GYAKORLATOT ÉRINTŐ MÓDOSÍTÁSAI

Jelen Hírlevelünkben a Polgári Törvénykönyvről szóló 2013. évi V. törvény módosításával kapcsolatosan a finanszírozási gyakorlatot érintő jelentősebb...

Newssquare Law on debt discharge to enter into force on 13 May 2016

After controversial debates, Law no. 77/2016 on discharge of mortgage-backed debts through transfer of title over immovable property (the "Law on Debt...

Newssquare Regulatory Push to Unlock NPL Sales in Bulgaria

Following the recent regulatory improvements, a potential acceleration of the Non-Performing Loans (NPLs) transactions in Bulgaria is in the spotlight...

Newssquare NBU RELAXES CERTAIN RESTRICTIONS ON THE UKRAINIAN FX MARKET

On 24 March 2016 the National Bank of Ukraine (“NBU”) approved Resolution No. 192 ("Resolution 192"), which introduced changes to the NBU's recent...

Newssquare THE NBU CANCELLED PROHIBITION ON ASSIGNMENT OF FOREIGN CURRENCY LOANS BUT INTRODUCED ADDITIONAL REQUIREMENTS

Beginning from 11 January 2016, registration of the assignments of foreign currency loans received by Ukrainian borrowers is again allowed based on...

Newssquare NEGATIVZINSEN BEIM KREDITVERTRAG

DERZEITIGER DISKUSSIONSSTAND. Die Frage, wie Zinsen – berechnet aus einem Referenzzinssatz wie z.B. EURIBOR und Marge – in bestehenden...

Newssquare NEW AMENDMENTS TO THE MORTGAGE LAW

New Amendments to the Mortgage Law became effective on 16 July 2015. Below is a summary of the important changes that the new amendments have...

Newssquare РАЗКРИВАНЕ НА ДЕЙСТВИТЕЛНИТЕ СОБСТВЕНИЦИ НА ДРУЖЕСТВА В ЕС

На 20 Май 2015 г. Европейският парламент прие на второ четене четвъртата директива за преодоляване заплахата от изпиране на пари, а именно Директива...

Newssquare DISCLOSURE OF BENEFICIAL OWNERHIP OF COMPANIES IN THE EU - MEMBER STATE PUBLIC REGISTERS

On 20 May 2015 the European Parliament adopted on second reading the fourth directive addressing the threat of money laundering, i.e. the Directive of...

Newssquare Amendments to Ukrainian Laws Concerning Disclosure of Beneficial Owners

Ukrainian law concerning the requirement to disclose beneficial owners of Ukrainian companies has been amended. The general requirement to disclose...

Newssquare THE DISTRICT COURT OF MUNICH I DENIES RECOGNITION OF HAASANG AND OF THE MORATORIUM REFERRING TO LIABILITIES OF HETA ASSET RESOLUTION

As a follow-up to our Client Alert of 3rd March on the HETA situation, please find attached a new Client Alert in response to media reports over the...

Newssquare HETA – Landgericht München I verneint Anerkennung des HaaSanG und des Moratoriums

Das Landgericht München I hat mit einem Urteil vom vergangenen Freitag, den 08.05.2015, für Aufsehen gesorgt, in dem es die Wirksamkeit (i) der...

Newssquare NEUES RECHT DER GESBR KANN MASSIVE AUSWIRKUNGEN AUF SYNDIKATSVERTRÄGE HABEN.

Seit Beginn des Jahres ist die "Gesellschaft bürgerlichen Rechts" neu geregelt, was auch zu massiven Auswirkungen bei Syndikatsverträgen, die in der...

Newssquare NEW DIRECTIVE ON NON-FINANCIAL REPORTING

Directive 2014/95/EU on disclosure of non-financial and diversity information by certain large undertakings and groups entered into force on 5...

Newssquare HETA ASSET RESOLUTION - TEMPORARY MORATORIUM IMPOSED BY FMA

On 1 March 2015, the Austrian Financial Market Authority has initiated the resolution of HETA ASSET RESOLUTION AG. In substance, the resolutoin...

Newssquare BULGARIA - SHAREHOLDER RIGHTS AND LOSS OF CORPORATE LICENCES

On 13 January 2015 the Bulgarian Supreme Administrative Court ("SAC") dismissed an appeal by the shareholders of Corporate Commercial Bank AD ("CCB")...

Newssquare An uncertain future for the assets of non-re-registered Bulgarian companies

On 31 January 2015 the term for filing for the liquidation of companies that were not re-registered with the Bulgarian Commercial Register (CR) before...

Newssquare AUSTRIAN ACT ON THE RECOVERY AND RESOLUTION OF BANKS ENTERED INTO FORCE

On 1 January 2015, the Austrian Act on the Recovery and Resolution of Banks entered into force. The BaSAG (Bundesgesetz über die Sanierung und...

Newssquare Amendments to UCITS and AIF regulations

Amendments to the Croatian Act on Open-Ended Investment Funds with a Public Offering (“UCITS”; “UCITS Act”) and Alternative Investments Funds Act...

Newssquare New Developments in the Enforcement Legislation - Slovenia

In this Alert, we present recent developments in the enforcement legislation: Amendment to the Enforcement Act (ZIZ-J) | Comparison of the sale of...

Newssquare Austrian Government Agrees on a Bill to Wipe Out Claims of Subordinated Creditors of HYPO ALPE-ADRIA-BANK INTERNATIONAL AG

Further to our client alert of last week , the attached client alert gives a first snapshot of the bill to restructure HYPO ALPE-ADRIA-BANK...

Newssquare Hypo Alpe Adria - Investors in Subordinated Bonds face Haircut

In the past months, the Austrian Government had come under considerable political pressure in connection with losses of HYPO ALPE ADRIA BANK...

Newssquare DRAFT ORDINANCE ON COVERED BONDS

The Romanian Ministry of Public Finance released for public debate, on the 22nd of January 2014, a draft ordinance regulating certain measures in the...

Wolf Theiss Guides

Newssquare Restructuring Loans and Enforcement of Security

The most important lessons learned since the collapse of Lehman Brothers are that no bank is too big to fail and that national banking systems are...

Newssquare LOAN PORTFOLIO TRANSACTIONS IN CEE&SEE

The chart assumes that the deal is structured as a straightforward sale of the loan portfolio by a domestic seller to a foreign buyer. Other possible...

Newssquare The Relevance of EMIR for Non-Financial Actors

doing OTC business in non-regulated markets with volumes of more than EUR 1-3 billion gross notional value ▪ Implications of Regulation 648/2012 on...

Newssquare Implementation of the Directive 2011/61/EU on Alternative Investment Fund Managers (“AIFMD”) in selected CEE/SEE countries

Implementation of the Directive 2011/61/EU on Alternative Investment Fund Managers (“AIFMD”) in selected CEE/SEE countries. AUSTRIA - BULGARIA -...

Newssquare Kapitalmarktfinanzierung für mittelständische Unternehmen über Unternehmensanleihen

Die Unternehmensanleihe mag nicht für alle mittelständischen Unternehmen das richtige Finanzierungsinstrument sein – es sind auch nicht alle...

Newssquare Public Debt Management in Central, Eastern & Southeastern Europe

Sovereign bond issues, derivatives and finance transactions with public bodies. In the aftermath of the Financial Crisis of 2009, the issuance of...

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