VP, Operations

Primary Purpose:

The Vice President, Operations (VP, Operation) is a member of the Senior Leadership Team who provides leadership, oversight and coordination of retail banking operations, insurance, financial planning, and facilities for Northern Savings Credit Union.  This leader translates business strategies into goals, objectives, and processes to affect sound and prudent operations of the Credit Union all in an effort to ensure exemplary member service.

This business unit leader is responsible for sales and services including, member support, needs assessment, escalation of issues, overseeing the provision of exemplary member service, providing for engagement of employees, managing the operations to be efficient and effective.  This position is responsible for the ongoing maintenance of the buildings, efficiency, and good working conditions of the facilities.

The VP, Operations is to conduct their duties while demonstrating positive leadership within the Credit Union and externally in the community. They are to inspire the employees to achieve their maximum potential and produce results in the best interest of the credit union while respecting the members.

Core Occupational Skills:

  • Sales skills
  • Recognizes basic financial terminology
  • General understanding of industry conditions
  • General knowledge of competitors products and services
  • General knowledge of the features and benefits of credit union products
  • Human Resource management (Employee Engagement)
  • Understands Compensation and benefits
  • Recruitment
  • Performance management, conflict resolution
  • Compliance and labour standards, human rights legislation
  • Human resource policy and procedure development, implementation, interpretation
  • Planning/forecasting/budgeting
  • Credit Union product knowledge
  • Knowledge of Credit Union philosophies and principles
  • Working knowledge of Credit Union technology and operations
  • Understanding of Credit Union Act and regulations; policies and procedures

 Education & Experience:

  • University degree is required
  • Four to six years of related management experience
  • Or an equivalent combination of education and experience.
  • Extensive financial services experience is required.
  • Expert knowledge of products and services and their regulatory requirements is required.
  • Experience evaluating and drafting policy and procedures is preferred.
  • Extensive experience in evaluating all aspects of credit decisions, at a corporate level is required.
  • Extensive sales and service experience is required.
  • Extensive lending experience is preferred.

Travel is a requirement of this position.

Please send your cover letter and resume to info@northsave.com.

We thank all applicants for their interest. Please note that we will only contact individuals for an interview.

Manager, Financial Services

At Conexus, it’s not what we do, it’s how we do it.

It’s not just something we say at Conexus. It’s a promise delivered by our 900 employees each day. We are passionate about our members’ financial health, and our employees reflect that passion. At Conexus it’s about more than conducting a banking transaction, it’s about creating a personalized experience for each member. We do this by keeping it simple and lending an ear to each member’s individual needs throughout Saskatchewan.

The bigger picture

We’re looking for a dynamic leader who loves to coach and help others succeed to come on board as a Manager, Financial Services (MFS2) for the Bethune, Holdfast, Lumsden and Southey branches.

How you’ll be spending your time

  • Leading your team to ensure our members receive financial solutions to meet their needs and improve their financial well-being
  • Coaching and supporting your team to achieve individual and company goals
  • Empowering your team to build meaningful, supportive relationships with their members
  • Collaborating with leadership peers to achieve objectives and targets

The way people describe you

  • A motivator who supports individuals, teams, projects, and initiatives within their department and the organization
  • A collaborator who continuously seeks, identifies, and shares ideas for improvement to increase efficiency
  • A strategic thinker with strong technical knowledge in Conexus products and services.
  • A strong facilitator who demonstrates an ability to communicate effectively and build relationships with others.

The experience you bring

  • Experience in consumer lending and investments
  • Formal or informal leadership exposure is an asset

So, what do you think – does this sound like you? Do you think you’re the right fit? If you do, and you have the qualifications outlined above, then we encourage you to apply now. If you have questions about this position, please contact Shaulen Lang at shaulen.lang@conexus.ca. But act fast, the opportunity closes on March 21, 2022.

Supervisor, Contact Centre

Create your future with SASCU. We invite you to be part of a team where you can feel good about the work you do and the positive impact you will have in the communities we serve in the Shuswap. We believe in fostering a work environment that is the perfect blend of friendliness, support, and professionalism (not to mention fun)! Add in a comprehensive total rewards program which includes a competitive base salary and variable pay program, plus health and retirement benefits and much more!

As Supervisor of the Contact Centre, you will supervise and lead the day-to-day activities of the Contact Centre Specialists to achieve objectives, ensure operational efficiency, and that SASCU’s Member Experience is consistently delivered through all SASCU contact channels. Additionally, you will provide coaching to staff to execute SASCU’s sales and advice strategy and achieve member and employee engagement targets. You will actively interact with members via electronic and digital channels.

 

What you’ll do:

  • Lead and develop the Contact Centre Specialists to actively identify opportunities to recommend products and services to meet member needs and make quality referrals to sales team as appropriate.
  • Work with the Manager, Contact Centre to develop a proactive strategy to continually add value during member interactions and have a positive impact on the community.
  • Take ownership of member concerns and resolve or support Contact Centre staff in correcting complex and/or difficult member service situations.
  • In conjunction with the Manager, Contact Centre, develop a team environment between the Contact Centre and all business lines.
  • Ensures adherence to service standards through ongoing observation, communications, and training.
  • Lead reports through the annual performance management process using goal setting, interim reviews, feedback and year-end reviews to improve results.
  • Works with the Manager, Contact Centre to collect and analyze Contact Centre statistics to proactively improve service delivery.

What you’ll bring:

  • At least two years of post-secondary education.
  • Four to six years progressive financial industry experience in a sales and service capacity, including experience within a call or contact centre, and one year of experience in a leadership role.
  • Demonstrated ability to provide effective leadership to staff through on-going coaching and feedback.
  • Solid experience in credit union products and services, consumer lending, and investments.

You’re perfect for this role if you:

  • Have excellent communication and interpersonal skills.
  • Are able to provide exceptional member service.
  • Display aptitude and comfort using technology and learning new systems and programs.
  • Are committed to continuous learning and self-development.

 

This is a full-time Monday to Friday position. Flexibility is expected and may include working Saturdays as needed. It is an excellent opportunity for a community-minded individual to further their career within a successful and growing organization. If this sounds like you, let us know! To apply, please email a cover letter and résumé to us at hr@sascu.com.

 

A bit about SASCU:

SASCU Financial Group offers a broad range of personal and business financial services through SASCU Credit Union and its three lines of business: SASCU Insurance, SASCU Wealth, and Commercial banking. SASCU Credit Union branches are in Sicamous and Sorrento, plus two in Salmon Arm. Established in 1946, SASCU has more than 19,000 members, 150 staff, and over $1 billion in assets. Learn more at www.sascu.com

We thank all candidates for their interest, however, only those selected for an interview will be contacted. The successful candidate will be required to meet fidelity bonding requirements, including completion of references, a criminal record check, and credit check. Employment offers will be conditional on the candidate providing satisfactory proof of COVID-19 vaccination, subject only to valid legal or medical exceptions, and complying with all pandemic/epidemic control measures affecting the workplace.

Vice President Retail Relationships

Are you a talented, results-driven leader looking to mentor a team committed to delivering an exceptional member experience? Do you have a natural passion for rural Saskatchewan and all that makes it unique? Are you a strategic, big picture thinker who can align strategies with multiple stakeholders in order to achieve corporate goals?

___________________________________________________________________________________________________________________________

Prairie Centre Credit Union, Saskatchewan’s largest rural-based credit union, currently has a permanent full-time opportunity for the position of Vice President Retail Relationships. Reporting to the Chief Operating Officer, the Vice President Retail Relationships is a key member of the senior leadership team whose passion will be to exceed expected results while fostering an environment of employee engagement. The successful candidate will oversee the team responsible for promoting and maintaining exceptional member relationships, to foster corporate growth in both loans and deposits.  He or she will be a self-motivated, dynamic leader and will play an integral role in supporting effective retail operations that result in an outstanding member experience.

Responsibilities:

  • Build value-based relationships with internal stakeholders to include direct reports, management, and staff
  • Create an environment which inspires the relationship team and collaborate to develop creative and innovative approaches to achieving results
  • Empower and encourage direct reports to think outside the box to maximize the overall member service experience
  • Ensure exceptional member relationships and product and service delivery
  • Develop and oversee business development, growth, and community engagement strategies
  • Achieve growth targets as set out by the corporate strategy
  • Develop, coach, motivate, and mentor the Senior Relationship Managers within PCCU
  • Assist managers in the development of annual business plan and budgets
  • Promote the credit union and participate in member and community events
  • Flexible and/or extended work hours may be required at times, with regular travel to branch locations

Qualifications:

  • Relevant undergraduate degree, or an equivalent combination of education and work experience
  • Associate or Fellow of the Credit Union designation would be an asset
  • Minimum of 5 years’ experience in a leadership position with the demonstrated ability to achieve sales/growth targets
  • Proven supervision at a senior level with emphasis on sales management, coaching, accountability, and performance management
  • Exceptionally strong organizational, communication, and interpersonal skills

 

Prairie Centre Credit Union provides employees with the opportunity for personal and professional growth within an environment that promotes continuous learning. We offer a competitive compensation package, excellent employee benefits including relocation assistance, and a matched superannuation plan.

For additional information on this opportunity, please contact Adam Johb, Chief Operating Officer, at 306-882-5642. To apply, please submit an electronic copy of your cover letter and resume on or before March 11, 2022 to: careers@pccu.ca.

We thank all applicants for their interest; however, only those candidates being considered for an interview will be contacted.

Branch Manager

At Conexus, it’s not what we do, it’s how we do it.

Are you ready to make a move and work for a company who puts the financial well-being of its members first? It’s not just something we say at Conexus. It’s a promise delivered by our 900 employees each day. We are passionate about our members’ financial health, and our employees reflect that passion. At Conexus it’s about more than conducting a banking transaction, it’s about providing members with insightful content, tools, advice and products that help them look at their financial choices in new ways. We do this by keeping it simple and lending an ear to each member’s individual needs throughout Saskatchewan.

Our employees are authentic, bold, creative, and responsible. They are the reason we consistently deliver outstanding member experiences. They’re more than just individuals who come to work each day, each employee is a vital part of Conexus.

The bigger picture

We’re looking for a dynamic and business-minded leader to come on board as our Branch Manager. Your strong entrepreneurial spirit and ability to think strategically will play an essential role in leading your branch to provide and oversee the delivery of services to meet our members’ needs.

How you’ll be spending your time

  • Recruiting, developing, coaching, and empowering your branch leaders to ensure the team delivers on our purpose of improving the financial well-being of our members and communities.
  • Providing your team with the knowledge and skills to meet members’ needs and positively impact their financial well-being.
  • Overseeing the delivery of holistic financial services advice in support of our member-driven purpose.
  • Ensuring your branch delivers financial service solutions and alternatives that comply with both industry and operational policies and legislation.
  • Showcasing creativity and flexibility with your team and peers, keeping both the member and employee experience at the forefront.
  • Collaborating with internal partners to achieve desired goals and outcomes.

The way people describe you

You are a natural born leader and visionary, with the ability to motivate, empower, and inspire others. Your critical thinking skills allow you to make logical and informed decisions, uncovering and addressing all emerging risks and opportunities. You think outside the box and are open to experimenting with different business ideas, while being able to strategically execute our purpose.  In addition, you are a skilled communicator, dedicated to personal growth and development.

The experience you bring

  •  Broad experience within the financial service industry
  •  Understands and knows how to find and provide needs-based solutions
  •  A proven track record of developing people and teams
  •  Exposure to agile and flexible work environments

What you get in return

Our team works tirelessly to ensure the financial success of each of our members. We think such dedication deserves recognition. That’s why we’re proud to offer some of the most competitive job perks of any employer around. Come, join our crew, and find out just how sweet the rewards can be:

  • Competitive compensation and benefits package
  • Industry leading work-life balance and rewards
  • Formal and informal employee development
  • Meaningful work that makes a real difference in our members’ lives

So, what do you think – does this sound like you? Do you think you’re the right fit for Conexus? If you do, and you have the qualifications outlined above, then we encourage you to apply now. If you have questions about this position, please contact Steph Reimer at steph.reimer@conexus.ca. But act fast, the opportunity closes on March 3, 2022.

Salary range: $80,000 – $115,000

Branch Manager – Paradise Hill, SK

We are seeking a full-time Branch Manager to inspire our team and customers in Paradise Hill, Saskatchewan.

 

The job

This position requires a leader with a commitment for coaching and developing their team to support our customers (members) in the achievement of their financial wellness. You must have meaningful insight into the team, the members, and the community. This enables you to anticipate needs, support their requests, connect them with products and services, and influence the future of our Credit Union.

 

A typical day includes ensuring the Branch is ready to open, reviewing appointments and opportunities with the team, engaging with members virtually or in-person, providing guidance on policy and procedure, and meeting with a team member one-on-one. At the end of the day, you’ll support the closing procedures. This role is always balancing. It takes daily grace to manage operational processes and people.

 

Each month you will be reviewing accomplishments and outcomes with a look forward to the goals for the next milestone and in support of campaigns. You know Synergy’s purpose and priorities then plan in alignment with them. You share those plans and work collaboratively with the team to achieve these goals.

 

Ideally, you have a distinct set of skills – in particular, a true professional worthy of the trust and the confidence of everyone you have contact with, when it comes to money, careers, and when life happens. As a trusted leader, you clearly articulate the vision to guide your team and community towards growth.

 

A Branch Manager is deeply enmeshed in our communities. You actively engage in events and volunteerism and boast high team participation in the same. You will be promoting our Profit Share and Synergy Shares programs, as well as coordinating community donations.

 

Ideally you possess:

  • Related post-secondary education preferred
  • Several years experience in progressively more senior financial services positions
  • Previous leadership experience is preferred
  • Experience with financial products and services
  • A willingness to obtain a Mutual Fund Accreditation, if required.
  • Strong working knowledge of MS Office and banking tools.

 

If you don’t identify perfectly with the list above, but are interested, we encourage you to apply. Tell us about what you feel is transferrable or relevant about your experience when you email us your cover letter and resume.

 

Who we are

We are a people-inspired Credit Union with ambitious goals. We endeavour to deliver amazing financial experiences, earn our customers’ (members’) trust, grow our relationships, and build sustainable communities. We have purpose beyond banking.

 

We exist to help our members achieve their financial goals by understanding our members’ need and delivering relevant services in modern, convenient, and secure ways. We empower our members by sharing our knowledge so they can make informed choices, thru each stage of life and life event.

 

As an employer, our culture, environment, and strategy puts people first. We’re proud to have created a great place to work, learn, and grow a career. You can expect us to provide a safe, healthy, and flexible workplace. This includes, but is not limited to:

  • Flexibility,
  • Profit Sharing,
  • Competitive compensation,
  • Above average benefits,
  • Virtual fitness platform,
  • Virtual health care, and last but not least,
  • Training, development, mentoring.

 

This is a branch-based position, meaning the majority of work is required to be performed on-site. While the position is located in Paradise Hill, we will consider applicants from nearby or neighbouring communities. Occasional travel is required to attend meetings, events, or training.

 

Synergy is way beyond banking. People come first. Join us. We’re ready when you are.

 

More details:

Hours: 37.5 hours weekly, Full-Time

Salary: $84 000 to $105 000 per annum

 

To apply:

  • Submit your cover letter and resume before the end of day on February 27th to: careers@synergycu.ca.
  • Please quote Competition# 221901 in the subject line.

 

We thank all applicants in advance for their interest. Only those under consideration will be contacted.  The successful applicant will be required to undergo a bonding process that includes a criminal record check and credit check.

 

Synergy aspires to have a workforce that is representative of the diversity of our country

and encourages applications from everyone.

 

Find out more about us!  https://www.youtube.com/user/SynergyCreditUnion

 

www.synergycu.ca

 

 

 

Manager, Credit Adjudication

Join the Cornerstone Crew!

Manager, Credit Adjudication (Any Branch – Cornerstone Credit Union)

Be Part of Something . . . . .

Cornerstone Credit Union is seeking a highly motivated, risk conscious individual to provide guidance and strong leadership to the Credit Adjudication team!

As the Manager, Credit Adjudication you will be responsible for the management of the credit adjudication function of the credit union. You will monitor lending activities, provide approval for complex files and be responsible to coordinate credit related audit activities. Ensuring quality controls, risk mitigation practices and policies and procedures are in in place and adhered to are critical to your success in this role.

You will manage the development of modeling tools and analytical systems; research, identify and monitor emerging trends with respect to growth, profitability and member behaviors, and analyze and report on information that supports recommendations and decisions.

As a Manager, Credit Adjudication you will provide leadership and direction to your team and build a culture of empowerment and accountability allowing your team to do their very best work.

What We Are Looking For . . . . .

The ideal candidate will have a post-secondary education in finance, commerce or business, plus 5 to 7 years job-related experience, or an equivalent combination of education and experience.

Comprehensive knowledge of credit adjudication, credit risk mitigation, and pricing methodologies is essential. Proven leadership skills including the ability to coach is required and exceptional communication skills and excellent interpersonal skills is necessary in this position.

A commitment to continuous learning and development is an important part of being on our team.

What You Will Receive . . . . .

Our employees enjoy a competitive compensation and benefit package that includes matched pension contributions and wellness and employment perks that contribute to a healthy work-life balance:

On top of earning a bi-weekly paycheque, you will also be eligible to receive additional pay for outstanding individual performance through our incentive pay program!

Formal & informal development opportunities offering challenge and growth.

The opportunity to be an integral member of a team of professionals in a supportive and collaborative environment motivated to do the best for their team and their members.

We Say We Care, and We Mean It . . . . .

Cornerstone Credit Union has been one of Saskatchewan’s top Employers for 5 consecutive years. We serve 35,000 members, employ 280 people and manage assets over $2 billion. In keeping with Cornerstone Credit Union’s distributed leadership model, this position could be located in any of Cornerstone Credit Union’s locations, working remotely maybe an option, considering the organization’s need and the successful candidate’s wishes. Wouldn’t you want to be a part of that!

Check out our website at www.cornerstonecu.com.

For more information, or to apply now, you must go to the website below. Please DO NOT email your resume to us as we only accept applications through our website.

https://cornerstonecu.prevueaps.com/jobs/194971-37571.html

Manager of Lending Services

Manager of Lending Services
Permanent Full Time
Accent Credit Union

The Lending Services Team at Accent Credit Union serves our members both in branch and from a distance.  The ever-growing lending portfolio includes consumer, agriculture, and commercial files.  We pride ourselves in providing a member experience that is second to none, leading to satisfied, loyal members.  We are competitive in the market, and trust-worthy.  In a world of change, we embrace it, and strive to offer convenience, and simplicity for our members in the form of the latest technology, enhancing our ability to offer a fully electronic lending experience.

Your current experience in a leadership, or senior lender role has prepared you for this employment opportunity.  You are committed to life-long learning, and you have a desire to learn and grow with your team.  Not only do you encourage staff development, but you are a champion of this important leadership competency, preparing your team members for their own career growth.  You are able to adapt to each of your subordinate’s needs, and you will modify your approach and their learning plans to ensure their success.  Afterall, as your team grows, the credit union will too!

You have an in-depth understanding of lending practices and procedures.  The ideal candidate will have many years of service in the credit union system or financial services industry, and a minimum of seven to ten years of job related experience.  You have an appetite for risk, and know when to take the risk, and when to shy away from it.  You will be responsible to mitigate risk of default.  When required you will initiate action to collect on delinquent loans, as necessary.  Working closely with the Manager of Lending Administration, you will ensure all loans are in compliance with sound business practice, legislation, regulations, and policies and procedures.

Building relationships is important. In fact, it is essential to our business!  Another key part of the Manager role is to foster new relationships and grow new business.  You are not afraid to pick up the phone and call a potential member.  You enjoy the rush of that first contact, and have no problem popping into a business for the first time to meet the owner and take those first steps in fostering a relationship.  When the time is right, you’ll ask for the business!

This exciting opportunity is available in our Quill Lake Branch.  You will be required to travel to our other branches, on a regular basis.  You will be part of an amazing team, working together to meet the member’s and organization’s goals!

Education & Qualifications

·       University Degree or Professional Designation ·       Working knowledge of computer systems
·       Seven – Ten Years of job-related experience ·       Credit Union experience considered an asset
·       Bondable ·       Commitment to continuous self-development

 Accent Credit Union has branches in Quill Lake, Kelvington and Jansen.  We are a financially strong organization with assets of over $270 million, and we continue to grow!  We are dedicated to our members, and our communities.  We respect our people and their contribution to our success.  We encourage employee involvement and participation.  We reward our people for their teamwork and for achieving objectives.  Compensation is competitive and will be based upon qualifications and experience.  Accent Credit Union offers a full range of benefits, an employee incentive program, including a wellness program.

Qualified applicants are invited to submit their resume and cover letter in confidence by February 28, 2022, to:
Guy Martin, Chief Executive Officer | Quill Lake Branch – Box 520, 78 Main St., Quill Lake, SK, S0A 3E0
hr@accentcu.ca
We appreciate the interest of all applicants; however, only those selected for interviews will be contacted.

Supervisor Member Advisor

SUPERVISOR MEMBER ADVISOR
 

Permanent Full-Time

Closes February 8

North Battleford Advice Centre

* Varied shifts that include evenings, Saturdays and Sundays

Annual Wage: $57,454 – $71,817

Would you like to earn above average pay helping members meet their financial goals, maintain a strong work life balance, a flexible schedule and have the security of a career – path supported by your organization? We offer that and so much more.

THE COMPANY – Our Purpose is to redefine banking by helping Canadians simplify their lives and reach their financial goals by reinvesting profits into our members, communities and our people. Now that Responsible Banking!

Click the link below to see what Innovation Credit Union is about! Trust us, you are going to want to learn more about who we are!

Innovation Credit Union – About Us (innovationcu.ca)

THE POSITION: This position would appeal to anyone who strives to go above and beyond in providing world class financial services by building trust to help simplify our members lives. How does one do this? Glad you asked!

A Supervisor of Member Advisors does the following:

  • Coach and mentor  staff to exceed member experience standards, while developing a strong team environment
  • Lead team in the adoption of the Omni-Channel Delivery System
  • Oversee  sales plan, ensuring targets and service standards are met
  • Oversee effective portfolio management
  • Manage all Member Advisors scheduling
  • Ensure all Member Advisor activities are originated within legislation, policy, practices and organizational values
  • Ability to manage employees in the Advice Centre and Virtually
  • Perform the duties of a Member Advisor

 

The ideal candidate has a solid understanding of the duties and functions of Member Advisor roles (digital and front-line) to aid in identifying areas to provide top end solutions to the organization. A natural desire to want to teach and share knowledge is associated with someone in this role. An investigative mindset is at play to be able to resource solutions to issues that are arising with a proactive approach for resolving for the future. Inherently, this person seeks to find efficiencies, to produce sales and thrives in change situations. This individual loves technology, uses our alternate/omni channels personally, and aspires to be an impactful leader.

Why Should You Apply?

  • Minimum of one year of related post-secondary education and 4 – 6 years’ of financial services experience or an equivalent combination of education and experience
  • Diploma or degree in a related discipline (Business Administration, Commerce, Technology Management, Marketing, etc.) would be an asset
  • Proven success in leading teams
  • Completion of sales and/or supervisory training would be considered an asset
  • Strong computer and technology skills (Microsoft Office 365 programs, Skype, Omni solutions etc)
  • Demonstrated commitment to continuous education and personal development

Interested?

CLICK the Apply Today button 🙂

 

Assistant Branch Manager

Bulkley Valley Credit Union, serving over 14,500 members from Hazelton to Burns Lake, prides itself on employing empowered staff committed to delivering high quality personalized service.

This is an exciting opportunity for the right candidate to meet their career goals while balancing their lifestyle with the many amenities our community has to offer as can be seen at http://www.visitburnslake.ca.

If you want to join a dynamic management group dedicated to cooperative values and member service, this is the right career move for you. You will report to the Community Branch Manager and as a member of the management team you will deliver exceptional high quality service to our members and confidently, professionally and efficiently manage the day to day operation of the Lakes District Branch. You will be responsible for providing expertise and guidance to the branch team as they deliver transactional, deposit, investment and personal lending services to members. Leadership qualities prevail in this position with coaching and mentorship a primary and ongoing focus for employees in the frontline positions.

The successful candidate will have a business degree or diploma and a minimum of five years of experience in the financial industry or an equivalent combination of education and experience.

To learn more about Bulkley Valley Credit Union, please visit our website at www.bvcu.com. We welcome applications from all interested applicants looking to further their career in a dynamic, supportive and team oriented environment.

Qualified applicants can apply through our webpage at https://can61.dayforcehcm.com/CandidatePortal/en-US/bulkleyvalley by Friday, February 4th, 2022 or directly to:

Nathan Way, Community Branch Manager

nway@bvcu.com.

Bulkley Valley Credit Union

PO Box 1029 Burns Lake BC V0J 1E0

Bulkley Valley Credit Union encourages all qualified persons to apply. However, only those who are being considered for an interview will be contacted.

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