Terms & Conditions (Local Account - Business)
These terms and conditions of service (hereinafter, the "Terms and Conditions") govern your contractual relationship as a legal entity (hereinafter, the "User" or the "Users", interchangeably) with GARPA S.A., Tax ID (CUIT) No. 30-71658957-5, with registered office at Suipacha 1111, 4th floor, Autonomous City of Buenos Aires, Argentine Republic (hereinafter, "Garpa", and together with the User, the "Parties"), arising from the use of the virtual payment account service offered by Garpa through the application (hereinafter, the "Application"). Whoever accepts these Terms and Conditions on behalf of the User represents that they have sufficient and current authority to represent and bind the User under these Terms and Conditions. By accepting the Terms and Conditions, you consent to be bound by the clauses described in this document, together with the Privacy Policy and any other policies incorporated herein by reference. ANY PERSON USING THE APPLICATION AGREES TO COMPLY WITH THESE TERMS AND CONDITIONS, WHICH ARE MANDATORY AND BINDING. You may request the opening of a virtual account (hereinafter, the "Virtual Account") through which you may: i. make payments or money transfers to Users’ Virtual Accounts or other bank accounts or virtual wallets; ii. receive payments or money transfers from your own bank accounts or virtual wallets, from other Users’ Virtual Accounts, or from third-party bank accounts; iii. monitor transactions through the Virtual Account statement; iv. use any services that GARPA may add in the future (hereinafter, the "Virtual Account Services").
1. ELIGIBILITY TO USE THE VIRTUAL ACCOUNT SERVICES
The Virtual Account Services are available to legal entities duly incorporated and registered in the Argentine Republic, with a valid Tax ID (CUIT), whose business activity is compatible with the relevant transactions. The person completing the registration must have sufficient and current authority to represent the User and bind it to comply with these Terms and Conditions. Any lack or insufficiency of the claimed authority shall render the signatory personally liable under Article 376 of the Argentine Civil and Commercial Code, without prejudice to any other applicable actions.
2. REGISTRATION TO USE YOUR VIRTUAL ACCOUNT
2.1. To access or use your Virtual Account Services, you must register and acknowledge and accept these Terms and Conditions. To register, you must complete all fields of the registration form (hereinafter, the "Registration") using valid data and accurate, precise, and truthful personal information, and must also validate any information required by Garpa. The information provided during Registration will be stored in a personal database controlled by Garpa. For further information, please refer to the Privacy Policy. The aforementioned registration form and the entire identification process shall be carried out in accordance with the requirements of Communication "A" 7328 issued by the Central Bank of the Argentine Republic.
2.2. Garpa is an obliged entity under Law 25,246 on the Prevention of Money Laundering and Terrorist Financing and, as such, has an Anti-Money Laundering and Counter-Terrorist Financing policy (hereinafter, "AML/CFT"). Under this policy, Garpa shall be entitled to collect and request certain information and/or documentation—which must be kept up to date—in order to comply with the identification, verification, due diligence, and monitoring processes applicable to each transaction, which may vary depending on your business activity. For such purpose, as a legal entity, the User must provide and keep up to date, as a sworn statement, the following documentation and information, among others: (i) articles of incorporation or bylaws and any amendments thereto; (ii) evidence of registration with the relevant registry and Tax ID (CUIT); (iii) the current instrument appointing officers and allocating positions; (iv) instruments evidencing the claimed authority; (v) information and identity documents of its representatives, signatories, and Authorized Users; (vi) a list of ultimate beneficial owners; and (vii) a statement regarding whether its representatives, members of its management and supervisory bodies, and ultimate beneficial owners qualify as Politically Exposed Persons. In view of the foregoing, Garpa reserves the right to reject your registration request or to cancel or suspend your Virtual Account, temporarily or permanently, if it detects discrepancies or inconsistencies in the information provided, unusual or suspicious activity in connection with AML/CFT or fraud, or if you fail to provide or timely update the information and/or documentation required by Garpa, without such decision giving rise to any right to compensation or damages.
2.3. You may access your Virtual Account by entering your telephone number and the personal password you have selected, and in certain cases you may be required to enter an additional verification code.
2.4. The password is confidential and non-transferable and, therefore, you assume the consequences and/or risks of its disclosure to third parties, releasing Garpa from any liability arising or that may arise therefrom. You shall at all times be responsible for safeguarding your Virtual Account and agree to maintain the confidentiality of your security credentials.
2.5. Competitors are prohibited from accessing the Virtual Account Services unless previously authorized by Garpa. The Virtual Account Services may not be accessed for the purpose of monitoring their performance or functionality and publishing the information obtained or making it available to any competitor or third party not governed by these Terms and Conditions, or for any other competitive purpose.
2.6. The User may appoint one or more authorized users (the "Authorized Users") to operate the Virtual Account, up to the maximum number established by Garpa. The User is responsible for all transactions and instructions submitted by its representatives and Authorized Users, which shall be deemed to have been carried out by the User and shall be fully enforceable against and binding upon it. The appointment, removal, or modification of the authority of Authorized Users shall be processed through the channels made available by Garpa; any revocation of authority shall only become effective vis-à-vis Garpa once it has been processed. Access credentials are personal to and non-transferable by each Authorized User. The User agrees to immediately notify Garpa of any termination or modification of authority or of the list of Authorized Users.
3. GENERAL TERMS OF YOUR VIRTUAL ACCOUNT SERVICES
3.1. You may request that Garpa open a Virtual Account. If Garpa grants access, it will assign you a Uniform Virtual Key (Clave Virtual Uniforme) to identify your Virtual Account. You may check the balance and status of your Virtual Account by accessing the Application 24 (twenty-four) hours a day. You may fund your Virtual Account by means of: i. transfers made from your local bank accounts or those of another account holder; ii. transfers from any Virtual Account or from virtual accounts on other platforms (including transfers through a Uniform Virtual Key); iii. deposits of funds made at financial or non-financial institutions that provide collection services. If funds are received from accounts that are not held in your name, Garpa may require you to provide the information necessary to substantiate the source of the transferred funds.
3.2. To use your Virtual Account Services, you must submit a request to Garpa and provide instructions regarding the payment, collection, or transfer you wish to carry out through your Virtual Account (hereinafter, the "Request"), in accordance with the limits and restrictions established by Garpa and/or applicable regulations. You may submit a Request to carry out any of the following transactions: i. transfers to another Virtual Account ("P2P") and/or to third-party virtual or bank accounts (CVU or CBU); ii. payment for goods and services to merchants enrolled in your Virtual Account service (using the means of payment associated with it) by transferring money from Garpa to the merchant or at financial or non-financial institutions that provide collection services; iii. any other transaction that Garpa may implement in the future. Notwithstanding the foregoing, Garpa may eliminate or modify any of the aforementioned transactions. Furthermore, depending on the type of Request you wish to make, you grant an express mandate so that the necessary measures may be taken to execute the relevant transactions for your account and on your behalf, in accordance with the instructions given and the applicable terms and conditions. Garpa may establish a maximum amount for Requests. Such amount may vary depending on the chosen payment method, the type of Request, and/or at Garpa’s sole discretion, and may be modified at any time, with publication in the Application being sufficient notice.
3.3. Your funds shall be credited to and available in your Virtual Account immediately, subject to the processing times of the entities handling the transfers, and Garpa shall not be liable for delays or errors attributable to third parties that process such transfers. The amounts deposited shall be credited net of any fees and/or expenses agreed with Garpa, if any, and any applicable taxes and withholdings.
3.4. No Request shall be deemed completed, and Garpa shall assume no liability or obligation, until Garpa has accepted your Request and verified that sufficient funds are available in your Virtual Account. Garpa’s execution of your Request shall be deemed your acceptance. Garpa reserves the right not to process Requests that are incomplete or contain discrepancies between the information provided and the information actually entered with Garpa, or whenever Garpa deems it appropriate, without being required to justify its decision. You are solely responsible for your Requests and their consequences. Garpa shall not verify the cause or obligation giving rise to your Request or any other circumstances relating to your Request, nor shall it be liable for delays in its execution.
3.5. By completing a Request, you grant Garpa an irrevocable mandate to take all actions necessary to fulfill your Requests. The granting of the irrevocable mandate entails authorization for Garpa to arrange, in your name and for your account and on your behalf, the resources necessary to execute the relevant transactions and to dispose, in your name, of certain funds in your Virtual Account in accordance with your instructions, or to use other available means of payment to make the relevant payment, in accordance with applicable regulations, including but not limited to Communication "A" 7328, as amended.
3.6. Any transfer from your Virtual Account to another Virtual Account or to a bank account is irrevocable. Garpa will confirm your Request by means of a confirmation message for each individual Request.
3.7. You may request that Garpa make adjustments in connection with charges posted to your Virtual Account under the following procedures:
Chargebacks:
Reversals of transactions that, even if previously authorized or paid, are deemed irregular by Garpa. Any chargebacks applied to your Virtual Account will be reflected in the statement, with a description of the relevant item.
Disputing transactions:
You may dispute transactions posted to your Virtual Account within 5 (five) days from the date of the transaction. Disputes may be submitted by email to the following address: help.ar@garpa.money or through any channels Garpa may make available in the future. Where applicable, Garpa will make the relevant adjustments to your Virtual Account.
3.8. You understand, accept, and represent that your Virtual Account must be used exclusively for transactions permitted under these Terms and Conditions and applicable law. In this regard, you expressly accept and acknowledge that you will not use your Virtual Account to carry out sales or transfers involving, by way of example and without limitation: i. gambling or betting; ii. trafficking in weapons, persons, or animals; iii. money laundering and/or terrorist financing; iv. pornography, prostitution, or pedophilia; and/or v. any activity that may be considered fraudulent, illegal, or suspected of being so. If Garpa considers that there is any suspicion or indication that you are using your Virtual Account Services for an activity prohibited by law or by these Terms and Conditions, it may request information regarding the transactions carried out and also reserves the right to reject, cancel, or suspend any transfer or activity already submitted or yet to be submitted through the Virtual Account and/or temporarily block your access to and use of your Virtual Account and/or the use or availability of its functionalities and/or permanently cancel your Virtual Account, rejecting the opening of another Virtual Account for such period as it may determine, including permanently. In such case, you shall be liable for any loss or damage you may have caused to Garpa, its controlling companies, controlled companies, affiliates or subsidiaries, officers, employees, directors, agents, and/or employees, and Garpa reserves the right to bring any judicial or extrajudicial actions it deems appropriate for such purpose. You shall be solely and unlimitedly liable for any harm that your conduct may cause to Garpa, other Users, and/or third parties. You understand and accept that all payment, transfer, and collection transactions carried out through your Virtual Account will be recorded in detail and made available for consultation. The transaction details generated by the system through which your Virtual Account operates shall constitute sufficient evidence of the transactions you have executed, and you may not challenge the suitability or truthfulness of such evidence.
3.9. By accepting these Terms and Conditions, you acknowledge that you may issue instructions to Garpa through the Application. Garpa shall deem any instruction issued by you through the Application to be valid and irrevocable.
3.10. Sworn Statement of Ultimate Beneficial Owners, PEP Status, and Source of Funds. The User declares under oath the identity of its ultimate beneficial owners and of the individuals who exercise control over it, in accordance with the regulations of the Financial Information Unit, and states whether or not its representatives, members of its management and supervisory bodies, and ultimate beneficial owners qualify as Politically Exposed Persons under the "List of Politically Exposed Persons" approved by the Financial Information Unit. The User agrees to report any change in its ownership, control structure, ultimate beneficial owners, or the PEP status of the persons identified above within 30 (thirty) days of such change by submitting a new sworn statement. The User represents, as a sworn statement, that the funds used for transactions carried out through your Virtual Account were obtained from lawful and declared activities and will likewise be used for a lawful purpose.
4. RETURN OF FUNDS TO USERS
4.1. You may at any time request the transfer of funds from your Virtual Account to any bank account identified by a Uniform Banking Key ("CBU") and/or any account identified by a Uniform Virtual Key ("CVU").
4.2. Furthermore, if Garpa ceases operations, the process for returning funds to Users shall apply.
4.3. Funds corresponding to transfers requested by Users or to the return of funds if Garpa ceases operations shall be credited immediately, subject to the processing times required by the parties involved in the selected means of payment (such as banking institutions).
5. FEES, EXPENSES, AND TAXES
5.1. You acknowledge and accept that Garpa may apply charges or collect compensation, fees, expenses, and/or taxes (including, but not limited to, withholdings in respect of the tax on bank debits and credits) for one or more Requests submitted by you, as well as for Registration and enrollment in your Virtual Account Services. The applicable rates are available in the fee schedule published in the Application and/or on Garpa’s website (or on such page as Garpa may indicate from time to time), which Garpa may review or update at its sole discretion. Changes to the fee schedule shall become effective on the date established in each revision and shall apply prospectively from that date, without affecting transactions already carried out. The rates include both those payable to Garpa and those payable to third parties involved in providing the Services. By accepting these Terms and Conditions, you accept the rates then in effect, as made available to you at the time of each transaction. Garpa may temporarily waive any charge and/or fee, without this constituting a waiver of its right to collect it in the future.
5.2. You expressly authorize Garpa to debit from your Virtual Account and/or offset any outstanding charges, fees, expenses, and taxes against any future inflow of funds into your Virtual Account or against any other amount belonging to you that is held by Garpa and/or its related companies. Likewise, Garpa may seek payment, through the applicable judicial channels, of debts arising from your use of your Virtual Account Services, even after the relationship arising from these Terms and Conditions has ended.
5.3. You are solely responsible for any taxes that may apply to the Services provided, as well as for any ancillary obligations and formal duties imposed by the competent national, provincial, or municipal authorities. Garpa and its related companies shall not be responsible for any taxes that you are required to pay to such authorities as a result of using the Services.
6. LIABILITY
6.1. Garpa only makes available to you a balance transfer service to carry out any of the transactions described in Section 3.3 for your account and on your behalf and pursuant to an express mandate, in accordance with the terms set forth in these Terms and Conditions. Transfers shall be carried out in accordance with the rules governing mandates set forth in Article 1319 et seq. of the Argentine Civil and Commercial Code.
6.2. Garpa shall not be liable for or guarantee the performance of any obligations you may have assumed toward third parties in connection with payments to be made or received through your Virtual Account. You acknowledge and accept that, when conducting transactions with other Users or third parties, you do so of your own free will, freely giving your consent and at your own risk and responsibility.
6.3. Garpa shall keep the funds in your Virtual Account available in demand bank accounts held in its name with financial institutions in the Argentine Republic and in accordance with applicable regulations. Garpa shall under no circumstances be liable for events affecting the availability of the funds and/or for the insolvency of such institutions. Consequently, Garpa shall not be liable for events or circumstances that restrict or prevent the free availability of your funds. Nor shall it be liable for force majeure or any other cause preventing performance of the Terms and Conditions that is not attributable to Garpa.
6.4. In all the circumstances described above, Garpa shall not be liable for: i. any direct or indirect expenses, damages, or losses arising from access to or misuse of your Virtual Account Services; ii. any discrepancies between the amount sent and the amount received and any consequences that you or a third party may suffer; iii. any expenses, damages, or losses caused by your improper or negligent use; iv. any expenses, damages, or losses caused by unauthorized third parties accessing your Virtual Account.
6.5. Notwithstanding the foregoing, you understand that under no circumstances shall Garpa be liable for lost profits, non-pecuniary damages, and/or loss of opportunity that you may suffer as a result of transactions carried out or not carried out through your Virtual Account.
6.6. In view of the foregoing, you warrant that you shall at all times indemnify and hold harmless Garpa, its affiliates and subsidiaries, contractors, employees, directors, and shareholders against any claim brought by another User or any third party unrelated to your Virtual Account, and shall be liable for all legal actions, whether administrative or judicial, or private settlements, including any expenses and costs incurred by Garpa in its defense, including but not limited to fees, taxes, charges, reasonable attorneys’ fees, expert fees and fees of other professionals involved, amounts payable for loss and damage, fines, bonds, and any other payment that Garpa is or has been required to make as a result.
7. USE OF YOUR VIRTUAL ACCOUNT SERVICES
7.1. Garpa shall not be liable if you do not have a means of communication or technology compatible with the use of your Virtual Account Services.
7.2. By using your Virtual Account Services, you agree: i. not to use your Virtual Account Services for unlawful or illegal purposes, for purposes contrary to these Terms and Conditions, good faith, or public policy, or in a manner harmful to the rights and interests of third parties; ii. not to attempt to damage your Virtual Account Services in any way or access restricted resources in the Application; iii. not to use your Virtual Account Services with an incompatible or unauthorized device; iv. not to introduce or disseminate computer viruses or any other physical or logical systems that may cause damage to the Application.
8. USE AND WARRANTY OF YOUR VIRTUAL ACCOUNT
8.1. Garpa does not guarantee the availability or uninterrupted operation of your Virtual Account. Consequently, Garpa shall under no circumstances be liable for any loss or damage arising from: i. the unavailability of or inability to access your Virtual Account; ii. interruptions in the operation of your Virtual Account or computer failures, disconnections, delays, or blockages caused by deficiencies or overloads in data centers, communication systems, the Internet, or other electronic systems occurring in the course of their operation; or iii. other damage that may be caused by third parties through unauthorized access beyond Garpa’s control.
8.2. Likewise, Garpa does not guarantee that your Virtual Account will be free of viruses or other elements introduced by third parties unrelated to Garpa that may alter your physical or logical systems or the electronic documents and files stored on your systems. Accordingly, Garpa shall under no circumstances be liable for any loss or damage of any kind that may arise from the presence of viruses or other elements that may alter your physical or logical systems or electronic documents.
8.3. Garpa agrees to adopt various protective measures to safeguard your Virtual Account against cyberattacks by third parties. However, Garpa does not guarantee that unauthorized third parties will be unable to learn the conditions, characteristics, and circumstances under which you access your Virtual Account. Consequently, Garpa shall under no circumstances be liable for any loss or damage arising from such unauthorized access.
8.4. By accepting these Terms and Conditions, you represent that you shall indemnify and hold harmless Garpa, its controlled and controlling companies, directors, partners, employees, contractors, attorneys, and agents against any claim arising from: i. the breach of any provision contained in these Terms and Conditions or of any law or regulation applicable thereto; II. the breach or violation of third-party rights, including, merely by way of example, other Users or third parties unrelated to Garpa; III. any breach of the permitted use of your Virtual Account.
9. INTELLECTUAL AND INDUSTRIAL PROPERTY RIGHTS
9.1. You acknowledge and accept that all intellectual and industrial property rights in the content and/or any other elements included in the Application, such as text, information, graphics, images, logos, trademarks, software, databases, designs, APIs, functional architecture, and any other material, belong to Garpa and its controlled and controlling companies.
9.2. Garpa authorizes you, during the term of the Service, to use, view, print, download, and store the content and/or elements included in the Application solely for your personal, private, and non-commercial use. You must refrain from decompiling, reverse engineering, modifying, disclosing, or supplying any such elements. Any use or exploitation other than that described in this Section shall be subject to Garpa’s prior express authorization.
9.3. You agree to refrain from any act that could cause damage to, harm the reputation of, or diminish the value of Garpa’s intellectual and industrial property rights.
9.4. The Application may contain links to third-party websites or applications. In such cases, Garpa has no control over those sites and shall therefore not be liable for their content and/or services or for any loss or damage caused by their use, whether directly or indirectly. The presence of links to other applications or websites does not imply any partnership or relationship with, or approval or endorsement by Garpa of, such sites and/or their content.
10. PERSONAL DATA PROTECTION
10.1. The personal data you provide during Registration shall be included in a personal database controlled by Garpa, whose address appears in the heading of this document.
10.2. Garpa represents that Users’ personal data shall be used solely for the purpose of providing your Virtual Account Services described in Section Three, as established in the Privacy Policy. Accordingly, Garpa may use any User’s personal data, subject to the User’s express consent to the use of such data. Data processing shall be carried out within the scope of the User’s consent. Once the User’s consent has been obtained, Garpa may use the information provided by Users and collected by Garpa for the purposes set forth in Garpa’s Privacy Policies. With respect to the use of third-party account data for transfers, such as name, Tax ID (CUIT), and CVU, such data may be disclosed and/or shared with affiliates, subsidiaries, or related companies and/or with third parties with which Garpa has a contractual relationship, such as payment management intermediaries and companies or banks related thereto, among others.
10.3. Users may exercise their rights to access, rectify, delete, and update their personal information, as well as object to its processing, all in accordance with applicable regulations. In this regard, Garpa agrees to ensure compliance with applicable personal data protection laws, including, by way of example and without limitation, Law 25,326 and Decree 1558/2001 of the Argentine Republic, with respect to Users and/or any third party, and to guarantee the rights granted under the aforementioned regulations. 10.4. THE PUBLIC INFORMATION ACCESS AGENCY, in its capacity as the Enforcement Authority of Law No. 25,326, is empowered to receive complaints and claims filed by persons whose rights are affected by non-compliance with applicable personal data protection rules. 10.5. Where the User is a legal entity, the processing of data shall encompass both data relating to the User itself—to whom Law No. 25,326 recognizes the status of data subject, to the extent applicable—and the personal data of the individuals associated with it (representatives, signatories, Authorized Users, and ultimate beneficial owners), all in accordance with the Privacy Policy. The User represents that it has a sufficient legal basis to provide Garpa with the personal data of such individuals and agrees to inform them of the intended processing.
11. NOTICES
11.1. Garpa may send you notices through general messages in the Application and notifications and/or communications sent to the email address provided to Garpa, with the option to opt out through each such channel. You acknowledge and represent that you must notify Garpa of any change to your email address.
11.2. Pursuant to Article 75 of the Argentine Civil and Commercial Code, the User designates as its electronic address the email address provided at the time of registration or any replacement address subsequently provided through the Application. Any communications, notices, and demands sent by Garpa to such electronic address shall be deemed valid, effective, and duly served. The User agrees to keep such address up to date.
11.3. If you have a complaint arising from these Terms and Conditions and/or your Virtual Account Services, you must contact Garpa at the following email address: help.ar@garpa.money.
11.4. The User agrees to provide any information and documentation requested by Garpa within 5 (five) business days of the request. Failure to provide it within such period shall entitle Garpa to suspend or block the Virtual Account until the request has been satisfied.
12. ASSIGNMENT
12.1. You may not assign your rights and obligations arising from these Terms and Conditions without Garpa’s prior express written consent.
12.2. Garpa, in turn, may assign these Terms and Conditions, without obtaining your prior consent, to any entity within its corporate group anywhere in the world, as well as to any person or entity that succeeds it in carrying on its business under any title.
13. AMENDMENTS
13.1. Garpa may at any time modify the functionalities of your Virtual Account, as well as these Terms and Conditions and/or the specific conditions required to use your Virtual Account Services. Any amendment to these Terms and Conditions shall be displayed in the Application or communicated to you in accordance with applicable laws and regulations. By continuing to access or use the Services after any amendment to these Terms and Conditions, you express your consent to and acceptance of such amendment.
14. PREPAID CARD
Garpa may offer Users a prepaid card, the applicable contractual terms of which are available in the Terms and Conditions for the Prepaid Card – Legal Entities.
15. GOVERNING LAW AND JURISDICTION
These Terms and Conditions, as well as the relationship between the Parties, shall be governed by and construed in accordance with the laws in force in the Argentine Republic. In the event of any dispute, the Parties agree to submit to the jurisdiction of the Ordinary Commercial Courts of the Autonomous City of Buenos Aires, waiving any other venue or jurisdiction.
If any provision of these Terms and Conditions is declared null, invalid, or unenforceable by a competent authority, such nullity shall not affect the validity of the remaining provisions, which shall remain in full force and effect. The affected provision shall be construed and, where applicable, replaced so as to reflect the Parties’ original intent to the greatest extent possible.
16. GARPA AS A PAYMENT SERVICE PROVIDER
Garpa provides payment services and is not authorized by the Central Bank of the Argentine Republic to operate as a financial institution. Garpa does not provide the User with any banking or foreign exchange services. Peso balances deposited in Virtual Accounts do not constitute deposits with a financial institution and are not covered by any of the guarantees that may apply to such deposits under the laws and regulations governing deposits with financial institutions.
17. CLOSING YOUR VIRTUAL ACCOUNT
You may request the closure of your Virtual Account at any time through the Application, but doing so shall not suspend the performance of any Requests already authorized at the time notice of termination and closure is given. To complete the closure, you must withdraw all available funds from your Virtual Account. You will be charged any applicable fees and charges. Garpa is authorized to terminate or suspend the provision of the Services, in whole or in part, at any time and without cause, by giving you prior notice within the periods and in the manner established by applicable regulations.
Notwithstanding the foregoing, Garpa may suspend or close the Virtual Account if the User becomes unable to pay its debts as they fall due, files for reorganization proceedings, is declared bankrupt, or becomes subject to any other insolvency proceeding, without this giving rise to any right to compensation or damages in its favor.
Last Update: September 7, 2026
