{"id":485,"date":"2024-05-14T14:09:14","date_gmt":"2024-05-14T14:09:14","guid":{"rendered":"http:\/\/hope-cu.local\/?page_id=485"},"modified":"2024-08-26T00:01:54","modified_gmt":"2024-08-26T04:01:54","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/www.hopecu.org\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\n<section class=\"wp-block-group hope-page-wrapper has-hope-color-7-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:4rem\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading hope-product-heading\">What does Hope Federal Credit Union do with your personal information?<\/h2>\n\n\n\n<div style=\"height:4rem\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns hope-product-content-layout is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column hope-product-content-side is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h2 class=\"wp-block-heading hope-product-heading\">Why?<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column hope-product-content-main is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-group hope-product-content\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns hope-product-content-layout is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column hope-product-content-side is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h2 class=\"wp-block-heading hope-product-heading\">What?<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column hope-product-content-main is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-group hope-product-content\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>The types of personal information we collect and share depend on the product or service you have with us. This information can include: \u2013 Social Security number and account balances \u2013 account transactions and credit history \u2013 overdraft history and payment history When you are no longer our customer, we continue to share your information as described in this notice.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns hope-product-content-layout is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column hope-product-content-side is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h2 class=\"wp-block-heading hope-product-heading\">How?<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column hope-product-content-main is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-group hope-product-content\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>All financial companies need to share members\u2019 personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members\u2019 personal information; the reasons Hope Federal Credit Union chooses to share; and whether you can limit this sharing.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns hope-product-content-layout is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column hope-product-content-side is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><\/div>\n\n\n\n<div class=\"wp-block-column hope-product-content-main is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-group hope-product-content\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-hope-color-1-color has-text-color has-link-color wp-elements-e9de1435caa1019cbf55201cecf58da4\"><a href=\"\/wp-content\/uploads\/2024\/07\/Hope-Credit-Union-Privacy-Notice-2014.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download a PDF of the Privacy Policy.<\/a><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns hope-product-content-layout is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column hope-product-content-side is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><\/div>\n\n\n\n<div class=\"wp-block-column hope-product-content-main is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-group hope-product-content\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"privacy-policy\" id=\"privacy-policy-block_7fd5b4236d06fae551a16f183300f01d\">\n    <table class=\"rate-table\">\n        <tr>\n            <th>Reasons we can share your personal information<\/th>\n            <th>Does Hope Federal Credit Union share?<\/th>\n            <th>Can you limit this sharing?<\/th>\n        <\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our everyday business purposes \u2013<\/strong><\/span> such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus<\/p>\n<\/td>\n                <td>Yes<\/td>\n                <td>No<\/td>\n            <\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our marketing purposes \u2013<\/strong><\/span> to offer our products and services to you<\/p>\n<\/td>\n                <td>Yes<\/td>\n                <td>No<\/td>\n            <\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For joint marketing with other financial companies<\/strong><\/span><\/p>\n<\/td>\n                <td>Yes<\/td>\n                <td>No<\/td>\n            <\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our affiliates\u2019 everyday business purposes \u2013<\/strong> <\/span>information about your transactions and experiences<\/p>\n<\/td>\n                <td>No<\/td>\n                <td>We Don&#8217;t Share<\/td>\n            <\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our affiliates\u2019 everyday business purposes \u2013<\/strong><\/span> information about your creditworthiness<\/p>\n<\/td>\n                <td>No<\/td>\n                <td>We Don&#8217;t Share<\/td>\n            <\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our affiliates to market to you<\/strong><\/span><\/p>\n<\/td>\n                <td>No<\/td>\n                <td>We Don&#8217;t Share<\/td>\n            <\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our nonaffiliates to market to you<\/strong><\/span><\/p>\n<\/td>\n                <td>No<\/td>\n                <td>We Don&#8217;t Share<\/td>\n            <\/tr>\n            <\/table>\n    <table class=\"rate-table mb-rate-table\">\n        <tr>\n            <th>Reasons we can share your personal information<\/th>\n        <\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our everyday business purposes \u2013<\/strong><\/span> such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus<\/p>\n<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Does Hope Federal Credit Union share?<\/th>\n            <\/tr>\n            <tr>\n                <td>Yes<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Can you limit this sharing?<\/th>\n            <\/tr>\n            <tr>\n                <td>No<\/td>\n            <\/tr>\n            <tr style=\"height: 2rem; background: none;\"><\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our marketing purposes \u2013<\/strong><\/span> to offer our products and services to you<\/p>\n<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Does Hope Federal Credit Union share?<\/th>\n            <\/tr>\n            <tr>\n                <td>Yes<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Can you limit this sharing?<\/th>\n            <\/tr>\n            <tr>\n                <td>No<\/td>\n            <\/tr>\n            <tr style=\"height: 2rem; background: none;\"><\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For joint marketing with other financial companies<\/strong><\/span><\/p>\n<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Does Hope Federal Credit Union share?<\/th>\n            <\/tr>\n            <tr>\n                <td>Yes<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Can you limit this sharing?<\/th>\n            <\/tr>\n            <tr>\n                <td>No<\/td>\n            <\/tr>\n            <tr style=\"height: 2rem; background: none;\"><\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our affiliates\u2019 everyday business purposes \u2013<\/strong> <\/span>information about your transactions and experiences<\/p>\n<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Does Hope Federal Credit Union share?<\/th>\n            <\/tr>\n            <tr>\n                <td>No<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Can you limit this sharing?<\/th>\n            <\/tr>\n            <tr>\n                <td>We Don&#8217;t Share<\/td>\n            <\/tr>\n            <tr style=\"height: 2rem; background: none;\"><\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our affiliates\u2019 everyday business purposes \u2013<\/strong><\/span> information about your creditworthiness<\/p>\n<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Does Hope Federal Credit Union share?<\/th>\n            <\/tr>\n            <tr>\n                <td>No<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Can you limit this sharing?<\/th>\n            <\/tr>\n            <tr>\n                <td>We Don&#8217;t Share<\/td>\n            <\/tr>\n            <tr style=\"height: 2rem; background: none;\"><\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our affiliates to market to you<\/strong><\/span><\/p>\n<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Does Hope Federal Credit Union share?<\/th>\n            <\/tr>\n            <tr>\n                <td>No<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Can you limit this sharing?<\/th>\n            <\/tr>\n            <tr>\n                <td>We Don&#8217;t Share<\/td>\n            <\/tr>\n            <tr style=\"height: 2rem; background: none;\"><\/tr>\n                    <tr>\n                <td><p><span style=\"color: #00746b;\"><strong>For our nonaffiliates to market to you<\/strong><\/span><\/p>\n<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Does Hope Federal Credit Union share?<\/th>\n            <\/tr>\n            <tr>\n                <td>No<\/td>\n            <\/tr>\n            <tr>\n                <th class=\"rate-clsp-heading\">Can you limit this sharing?<\/th>\n            <\/tr>\n            <tr>\n                <td>We Don&#8217;t Share<\/td>\n            <\/tr>\n            <tr style=\"height: 2rem; background: none;\"><\/tr>\n            <\/table>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">HOPE Online Privacy Policy Addendum<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>HOPE has provided additional guidelines regarding online privacy.\u00a0<a href=\"https:\/\/www.hopecu.org\/wp-content\/uploads\/2024\/07\/HOPE-Online-Privacy-Policy-Addendum-Effective-3-1-24-HOPPA-01.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><span style=\"text-decoration: underline;\">Download the document<\/span><\/strong><\/a>\u00a0for more information.<\/p>\n\n\n\n<div style=\"height:2rem\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>What does Hope Federal Credit Union do with your personal information? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-485","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.3 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Privacy Policy - Hope CU<\/title>\n<meta name=\"description\" content=\"Review our Privacy Policy at Hope Credit Union. Learn more today!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hopecu.org\/privacy-policy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Privacy Policy\" \/>\n<meta property=\"og:description\" content=\"Review our Privacy Policy at Hope Credit Union. Learn more today!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.hopecu.org\/privacy-policy\/\" \/>\n<meta property=\"og:site_name\" content=\"Hope CU\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/HopeCreditUnion\/\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-26T04:01:54+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@hopecreditunion\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.hopecu.org\/privacy-policy\/\",\"url\":\"https:\/\/www.hopecu.org\/privacy-policy\/\",\"name\":\"Privacy Policy - Hope CU\",\"isPartOf\":{\"@id\":\"https:\/\/www.hopecu.org\/#website\"},\"datePublished\":\"2024-05-14T14:09:14+00:00\",\"dateModified\":\"2024-08-26T04:01:54+00:00\",\"description\":\"Review our Privacy Policy at Hope Credit Union. Learn more today!\",\"breadcrumb\":{\"@id\":\"https:\/\/www.hopecu.org\/privacy-policy\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.hopecu.org\/privacy-policy\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.hopecu.org\/privacy-policy\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.hopecu.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Privacy Policy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.hopecu.org\/#website\",\"url\":\"https:\/\/www.hopecu.org\/\",\"name\":\"Hope CU\",\"description\":\"Brighter Futures Begin with HOPE.\",\"publisher\":{\"@id\":\"https:\/\/www.hopecu.org\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.hopecu.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.hopecu.org\/#organization\",\"name\":\"Hope CU\",\"url\":\"https:\/\/www.hopecu.org\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.hopecu.org\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.hopecu.org\/wp-content\/uploads\/2025\/01\/HOPE-30th-logo_credit-horizontal.png\",\"contentUrl\":\"https:\/\/www.hopecu.org\/wp-content\/uploads\/2025\/01\/HOPE-30th-logo_credit-horizontal.png\",\"width\":2265,\"height\":448,\"caption\":\"Hope CU\"},\"image\":{\"@id\":\"https:\/\/www.hopecu.org\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/HopeCreditUnion\/\",\"https:\/\/x.com\/hopecreditunion\",\"https:\/\/www.instagram.com\/hopecreditunion\",\"https:\/\/www.linkedin.com\/company\/hope-federal-credit-union\/\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Privacy Policy - Hope CU","description":"Review our Privacy Policy at Hope Credit Union. Learn more today!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.hopecu.org\/privacy-policy\/","og_locale":"en_US","og_type":"article","og_title":"Privacy Policy","og_description":"Review our Privacy Policy at Hope Credit Union. Learn more today!","og_url":"https:\/\/www.hopecu.org\/privacy-policy\/","og_site_name":"Hope CU","article_publisher":"https:\/\/www.facebook.com\/HopeCreditUnion\/","article_modified_time":"2024-08-26T04:01:54+00:00","twitter_card":"summary_large_image","twitter_site":"@hopecreditunion","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.hopecu.org\/privacy-policy\/","url":"https:\/\/www.hopecu.org\/privacy-policy\/","name":"Privacy Policy - Hope CU","isPartOf":{"@id":"https:\/\/www.hopecu.org\/#website"},"datePublished":"2024-05-14T14:09:14+00:00","dateModified":"2024-08-26T04:01:54+00:00","description":"Review our Privacy Policy at Hope Credit Union. Learn more today!","breadcrumb":{"@id":"https:\/\/www.hopecu.org\/privacy-policy\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.hopecu.org\/privacy-policy\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.hopecu.org\/privacy-policy\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.hopecu.org\/"},{"@type":"ListItem","position":2,"name":"Privacy Policy"}]},{"@type":"WebSite","@id":"https:\/\/www.hopecu.org\/#website","url":"https:\/\/www.hopecu.org\/","name":"Hope CU","description":"Brighter Futures Begin with HOPE.","publisher":{"@id":"https:\/\/www.hopecu.org\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.hopecu.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.hopecu.org\/#organization","name":"Hope CU","url":"https:\/\/www.hopecu.org\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.hopecu.org\/#\/schema\/logo\/image\/","url":"https:\/\/www.hopecu.org\/wp-content\/uploads\/2025\/01\/HOPE-30th-logo_credit-horizontal.png","contentUrl":"https:\/\/www.hopecu.org\/wp-content\/uploads\/2025\/01\/HOPE-30th-logo_credit-horizontal.png","width":2265,"height":448,"caption":"Hope CU"},"image":{"@id":"https:\/\/www.hopecu.org\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/HopeCreditUnion\/","https:\/\/x.com\/hopecreditunion","https:\/\/www.instagram.com\/hopecreditunion","https:\/\/www.linkedin.com\/company\/hope-federal-credit-union\/"]}]}},"_links":{"self":[{"href":"https:\/\/www.hopecu.org\/wp-json\/wp\/v2\/pages\/485","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hopecu.org\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hopecu.org\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hopecu.org\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hopecu.org\/wp-json\/wp\/v2\/comments?post=485"}],"version-history":[{"count":26,"href":"https:\/\/www.hopecu.org\/wp-json\/wp\/v2\/pages\/485\/revisions"}],"predecessor-version":[{"id":20227,"href":"https:\/\/www.hopecu.org\/wp-json\/wp\/v2\/pages\/485\/revisions\/20227"}],"wp:attachment":[{"href":"https:\/\/www.hopecu.org\/wp-json\/wp\/v2\/media?parent=485"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}