PAYPAL 401(K) SAVINGS PLAN 2021 - PAYPAL BENEFITS
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PayPal 401(k) Savings Plan 2021
Welcome PayPal U.S. employees
PayPal encourages you to invest in yourself and your future by participating in the PayPal
401(k) Savings Plan (the “Plan”).
When retirement seems far away, you might not know how to plan for it. But now could be the
right time.
Our retirement plan service provider, Schwab Retirement Plan Services, provides access to
tools and resources to help you make informed choices about your future financial needs,
investment alternatives, and the benefits of long-term saving. The Plan allows you to make
pre-tax, Roth 401(k), and/or after-tax contributions and invest them according to your personal
level of risk tolerance and timeline to retirement. In addition, PayPal provides a matching
contribution* to help you work toward your retirement savings goals.
This guide will assist you as you explore:
• What to consider as you build your retirement savings.
• How to review your current financial objectives to help work toward your savings goals.
• How to choose investments from those available in the Plan.
• How to take action.
Additionally, whether you are joining the Plan for the first time, currently participating in the
Plan, or approaching retirement age and looking for guidance on your options, Participant
Services Representatives are available to assist you every step of the way. PayPal considers
this Plan a very important benefit. We sincerely hope you will take this opportunity to save and
invest in your financial future.
*Employer contributions are paid on a pre-tax basis and may be taxable at withdrawal.
Plan Highlights 2
Three steps to enrollment:
Table of Contents Step 1: Decide how much to save. 4
Step 2: Decide how to invest. 5
Step 3: Get started today. Enroll. 6Start early. It’s important.
The Power of Compounding
Although it is never too late to start saving for retirement, starting early is one of the best ways to help build savings. The
sooner you start making contributions to the Plan, the more you may benefit from potential compounding of investment
earnings over time.
Jennifer and Brian both saved the same amount over 30 years. However, she started at age 25; he started at age 35.
Jennifer’s savings earned 10 additional years’ worth of compound interest by the time they both started withdrawals at age
65. Jennifer benefited from starting early. When will YOU start saving?
Time in the market is more important than timing the market.
Assumptions for both individuals:
$1,000,000 Jennifer $50,000 Annual salary
$908,983 $0 Starting balance
4% Matching contributions†
$900,000
4% Employee contributions‡
2% Annual salary increase
$800,000 6.5% Annual return
Totals represent hypothetical balances at age 65.
$700,000
Hypothetical earnings
$600,000
$746,711 Brian Employer match†
$484,239
$500,000 Employee contributions‡
$400,000
†
Your company may have a maximum match as well as other
restrictions. Employer contributions are paid on a pre-tax basis
$321,967 and may be taxable at withdrawal.
$300,000 ‡
This example is based on pre-tax contributions; if you make
Roth 401(k) contributions, the benefits of pre-tax contributions
are not applicable.
$200,000
$81,136 Hypothetical examples are for illustrative purposes only and
$81,136 are not intended to represent the past or future performance of
$100,000 any specific investment. Investing involves risk, including loss of
$81,136 $81,136 principal. The balances shown represent the amount contributed
and the earnings compounded daily. The examples assume a
$0 hypothetical average rate of return of 6.5%, reinvestment of any
Contributions start at Contributions start at dividends and any capital gains, and no current taxes paid on
age 25; stop at age 55. age 35; stop at age 65. earnings in a retirement plan account. Schwab Retirement Plan
Withdrawals start at Withdrawals start at Services, Inc. does not provide tax or legal advice.
age 65. age 65.
THE TIME TO BEGIN IS NOW.
The earlier you start, the longer your money has the
opportunity to work for you. 1Access your Plan account three ways:
• Single Sign On from the Bridge > Scroll down to
Take Action > Benefits Tasks > Enroll in 401(k)
Plan Highlights Savings Plan
• workplace.schwab.com
• 800-724-7526
Eligibility and Enrollment Company Contributions
PayPal employees are immediately eligible to participate To help you save more for the future, PayPal will make a Safe
in the Plan. Employees must be at least 18 years old Harbor Match of 100% of your earned compensation you
to participate. contribute, up to 4%. After-tax contributions are not eligible
for the company match.
Your Contributions In 2021, the sum of your pre-tax, Roth 401(k), after-tax,
You may make pre-tax, Roth 401(k), and/or after-tax and company contributions cannot exceed the lesser of
contributions, up to 50% of your earned compensation per $58,000 or 50% of your earned compensation.
pay period.
• Federal law limits the amount you can contribute every Vesting
year; the 2021 limit is $19,500. Vesting is your ownership of your Plan account. You are
• If you will be age 50 years or older by December 31, 2021, always 100% vested in your own contributions, any
you may make an additional catch-up contribution to the earnings on your own contributions, the Safe Harbor
Plan. The catch-up limit is $6,500. Match contribution and any earnings, and any rollovers
you make to your Plan account.
• If you decide to make Roth 401(k) contributions, they
will be deducted from your paycheck after taxes. Your
contributions and any earnings may grow tax-free, Rollovers
and you will not pay taxes on the money when it’s If you have assets in a qualified retirement plan with a
withdrawn—provided that any distribution from the Plan previous employer, there may be several options available
account occurs at least 5 years following the year you to help you manage an additional retirement account. For
make your first Roth 401(k) contribution, and you have more information about rollovers, call Participant Services
reached age 59½, have become disabled, or have died, at 800-724-7526, from 4 a.m. to 8 p.m. PT, Monday
subject to applicable law. through Friday.
• In addition to pre-tax and Roth 401(k) contributions, you
may also contribute on an after-tax basis, past the $19,500
annual limit. After-tax contributions and any associated Withdrawals
earnings can be withdrawn at any time. Taxes may apply. The Plan is designed primarily to help you save for
The Plan performs annual testing to ensure compliance retirement; the Internal Revenue Service (IRS) places
with the Internal Revenue Service. To remain in compliance, restrictions on when money may be withdrawn from your
PayPal may potentially limit after-tax contributions; Plan account. The IRS does, however, recognize certain
notifications will be sent if an adjustment is required. events may present a need for you to access your savings.
• You may elect two separate 401(k) deferrals—one for your Under the following circumstances, you may withdraw
regular compensation and one for your bonus earnings. money from your Plan account.
These deferrals can be made on a pre-tax basis, Roth
Retirement
401(k) basis, after-tax basis, or a combination. Unless you
change it, the deferral rate you designated for your regular You can withdraw money from your Plan account when
earnings also applies to your bonus earnings. you reach the normal retirement age of 65.
You can change your contribution rate at any time. Access Loans
your Plan account three ways: You may borrow from your Plan account. Loan repayments
are made through salary deductions each pay period.
• Single Sign On from the Bridge > Scroll down to Take
Action > Benefits Tasks > Enroll in 401(k) Savings Plan • The minimum loan amount is $1,000.
• workplace.schwab.com • The maximum loan amount is $50,000 or 50% of your
• 800-724-7526 balance, whichever is less.
2• The interest rate for the loan is the Prime Rate at the If your Plan account balance is between $1,000 and
time the loan is taken. $5,000, Schwab Retirement Plan Services will contact you
• One outstanding loan is allowed at any time. and provide you with information on the options available
to you. If you do not respond, the balance will be rolled
• The maximum term for a general loan is 5 years, and
over to a Charles Schwab Trust Bank Automatic Rollover
10 years for a residential loan.
IRA, and the funds will be deposited in an FDIC-insured
In-Service money market deposit account.§
You can withdraw money from your Plan account while you If your vested Plan account balance, including rollovers, is
are still employed by PayPal if you are at least age 59½. greater than $5,000, your balance will remain in the Plan
These withdrawals are allowed under certain circumstances. until you request a distribution.
Hardship Withdrawals Disability
A “financial hardship” is defined as a heavy and immediate If you terminate your employment with PayPal because
financial need that cannot be satisfied by other resources you become permanently disabled, you are allowed to
available to you, including taking a loan from your Plan withdraw your money.
account. You may be eligible to withdraw a portion of your
Plan account balance if you experience a financial hardship. Death
Qualified reasons for a hardship withdrawal include to: In the event of your death, your Plan account balance will
be paid to your beneficiary as you have designated on
• Prevent eviction from, or foreclosure of, your your Plan account with Schwab Retirement Plan Services.
primary residence. If there is no beneficiary on file with Schwab Retirement
• Purchase a primary residence. Plan Services, your Plan account balance will be paid per
• Pay for post-secondary education for you or an the terms specified in the Plan Document.
immediate family member.
For more information about your withdrawal options,
• Pay for uninsured medical expenses. call 800-724-7526 to speak with a Participant Services
• Repair damage to your primary residence. Representative.
• Cover funeral expenses for an immediate
family member. §
FDIC Coverage: Rollover funds in the Charles Schwab Trust Bank
• Cover certain expenses and losses incurred as a result Automatic Rollover IRA are deposited in a Federal Deposit Insurance
Corporation (FDIC) insured money market deposit account at Charles
of a federally declared disaster.
Schwab Trust Bank. You may also hold deposits at one or more banks
that are affiliated with Charles Schwab Trust Bank (Charles Schwab
Hardship withdrawals are subject to ordinary income tax and Bank and Charles Schwab Premier Bank, collectively the “Affiliated
may be subject to a 10% federal penalty. Residents of certain Banks”). Funds deposited at Affiliated Banks are eligible for FDIC
states may also be subject to state penalties. Safe Harbor insurance, in aggregate, up to $250,000 per Affiliated Bank, based on
Match dollars are not eligible for hardship withdrawals. account ownership category, such as individual retirement accounts
or self-directed employee benefit plans (e.g. Schwab Personal Choice
Retirement Account®). You are responsible for monitoring the total
Termination amount of deposits you hold with the Affiliated Banks. Because the
You may receive all of your balance of your Plan account deposit insurance rules are complex, you may want to use the FDIC’s
online tool Electronic Deposit Insurance Estimator (www.fdic.gov/edie)
upon termination of employment. Please note: If your Plan
to estimate your total coverage.
account balance upon termination, or at any point thereafter,
is $1,000 or less, including rollovers, you will be contacted The above highlights section is only a brief overview of the Plan’s
features and does not constitute a legally binding document. A more
and provided with information on the options available
detailed Summary Plan Description is available online. Log in to your
to you. If you do not respond, your Plan account will be Plan account. On the main account page, select and expand the
distributed to you as a single-sum cash distribution unless For Your Plan box and then select Summary Plan Description.
you select another distribution option within 90 days of Please review it carefully for additional information about the specific
termination. Taxes and penalties may apply. provisions of the Plan. If you have further questions, call 800-724-7526
to speak with a Participant Services Representative.
3Three steps to enrollment:
Step 1 - Decide how much to save.
Savings Advantages
Since Social Security may not provide enough income during your retirement years and inflation could reduce the
spending power of your savings, it is important to develop a sound retirement plan. Saving through an employer-
sponsored retirement plan is an important step in saving for retirement.
First—Consider the Tax Advantages
Pre-tax contributions: The amount you put into the Plan is deducted from your paycheck before it is taxed. The net
impact on your take-home pay will be less than the amount you are contributing to the Plan, subject to applicable law.
Tax-deferred earnings: In addition to the advantage of having your pre-tax contributions go into the Plan before taxes on
your pay are calculated, your money may grow tax-deferred. This means any current tax due on any earnings stays in the
Plan and contributes to the compounding in your Plan account. Of course, at retirement the withdrawals you make from
your Plan account will be considered income and can be subject to regular income taxes, depending on your tax bracket
at that time, subject to applicable law. You may be in a lower tax bracket during retirement, and your tax burden may be
less than it is today.
Tax-free earnings: You also have an opportunity to have your money grow tax-free with the Roth 401(k). This means
you pay taxes at the time of the contribution. Assuming you meet the withdrawal qualifications, both your Roth 401(k)
contributions and any associated investment earnings are distributed from the Plan tax-free, subject to applicable law.
If you make after-tax contributions, withdrawals of the actual contribution are not taxed, but any associated earnings
will be. Some of the factors to consider include your current tax rate, anticipated tax rate at retirement, and how long
you anticipate the money will stay in your Plan account before you begin taking distributions.
Plus, There Is the Company Contribution
When you ask the question, “How much should I save for retirement?” invariably you will hear the answer, “As much
as you can!” That may be true, but if you’re looking for a number, consider this: You can contribute from 1% to 50% of
your eligible compensation to the Plan, up to $19,500. If you are 50 years of age or older in 2021 and make the additional
catch-up contribution of $6,500, you can contribute a total of $26,000 in 2021. So, save as much as you can, and
remember, PayPal makes a 4% matching contribution as well. Matching contributions apply to pre-tax and Roth 401(k)
contributions only; after-tax contributions are not matched.
Go to workplace.schwab.com to access the Paycheck
Calculator located under the Calculators & Resources section.
This will help you run scenarios to see how different deferral
percentages will impact your take-home pay. You’ll see that with
Quick Tip! pre-tax contributions, the net impact on your take-home pay is
much less than the amount you contribute. There are also several
worksheets available that you can use to help determine how
much savings you may need when you retire. This will help you
move from “How much can I save?” to “How much do I need
to save?”
4Three steps to enrollment:
Step 2 - Decide how to invest.
The Plan offers investment strategies and choices for both “do-it-for-me” investors who want help managing their
investments and for “do-it-myself” investors who want to direct their investments, as shown below.
Do you want help making investment decisions for your Plan account?
Yes, I’m a do-it-for-me investor.
No, I’m a do-it-myself investor.
Get diversification with target Invest on your own in funds Establish a self-directed
Get personalized advice.1
date retirement funds. available in your Plan. brokerage account.
Your Plan offers you access to If you want the ease of a single PayPal has chosen an array of Schwab Personal Choice Retirement
third-party personalized advice. This investment option and if you can investments to give you a diverse Account® (PCRA)3 is a brokerage
benefit can play a key role in your approximate the year you want to range of choices. Log in to the account you manage yourself that
retirement savings goals. retire, you may be a good fit for participant website for tools and provides access to more investment
a target date fund. Investing in a resources to determine your risk choices than are otherwise
This advice:
target date fund enables you to profile and to research the available available in the Plan. To choose
• Calculates a target retirement direct your contributions into a funds in the Plan. Information is this investment strategy, you must
income goal. single fund, from the time you begin available for each fund in the Plan first enroll in the Plan and then
to save until you retire. Investment at workplace.schwab.com or by complete a PCRA application at
• Provides personalized
allocations in these professionally calling 800-724-7526. workplace.schwab.com under the
recommendations on how much
managed portfolios become more Manage Account tab.
to save for retirement, when you A note about risk: PayPal has
conservative as the target date
can plan to retire, and when made available different investments
nears. Simply choose the fund
to start taking Social Security in the hope of meeting the various
with the target year closest to your
benefits. savings and investment goals for
anticipated retirement year, and
all participants. As you make your
• Selects the investments for your also consider other factors that are
investment choices, keep in mind
account based on the investments important to you.
that there is risk involved. The funds
available within your Plan.
Available within your Plan are differ in growth potential and risk.
Information such as salary, account Schwab Managed Retirement Trust Pursuant to Department of Labor
balance, savings rate, estimated Funds™, ,2 professionally managed Regulation 2550.404c-1(b)(2)(i)(B)(1),
Social Security benefits, and other collective trust funds that invest this Retirement Plan is intended to
sources of income creates a more in a variety of asset classes and qualify as an ERISA 404(c) Plan that
holistic view of you, your retirement automatically rebalance to become relieves plan fiduciaries of liability
income goals, and your investment more conservative over time. for any investment losses that result
style. from investment directions made by
Note: The values of the target
Plan participants.
Advice is provided by Morningstar date collective trust funds will
Investment Management LLC, an fluctuate up to and after the
independent registered investment target date. There is no guarantee
adviser. the funds will provide adequate
income at or through retirement.
It’s easy to get started.
Log in to your account at Diversification and asset allocation
workplace.schwab.com to strategies do not ensure a profit
access the self-serve advice and cannot protect against losses
tool or schedule an appointment in a declining market. The Schwab
to chat one-on-one with an Managed Retirement Trust Funds
Advice Consultant, who can walk are subject to market volatility and
you through the process and risks associated with the underlying
explain Morningstar Investment investments. Risks include exposure
Management’s recommendations to international and emerging
to you. markets, small company and sector
equity securities, and fixed income
securities subject to changes in
inflation, market valuations, liquidity,
prepayments, and early redemption.
The Funds are built for investors who
expect to start gradual withdrawals
of Fund assets on the target date
to begin covering expenses in
retirement. The principal value of the
Funds is not guaranteed at any time.
Review your investment selection at least annually or whenever you experience a life event (such as marriage, divorce,
or birth or adoption of a child) to help ensure you remain on track with your goals. Like all investments, there is always
5
some degree of risk. View the Plan’s investment options by logging into your account at workplace.schwab.com.Three steps to enrollment:
Step 3 - Get started today. Enroll.
Register and Enroll Get on-the-go access to your retirement savings account:
Online • Easily enroll in your Plan.
Access your Plan account using Single Sign On from the • Check your Plan account—see how much you’re
Bridge > Scroll down to Take Action > Benefits Tasks > saving and how your balance may be changing.
Enroll in 401(k) Savings Plan. • Monitor your personal performance.
• Make contribution elections.
Please use the Register Now link to establish your login
ID and password. Once you have successfully created • Set up investment instructions for future contributions.
your login credentials, you will be able to log in and follow • Securely access the full website without logging
the prompts to enroll. in again.
It only takes a few minutes to enroll in the Plan. During • Read the latest market news.
your enrollment process, you’ll be prompted to consider
Visit workplace.schwab.com/mobile today to
the option that best meets your needs.
download the Schwab Workplace Retirement App. Use
Easy Enrollment the Register Now link to establish your login ID and
password. Once you have successfully created your login
Automatically selects 4% pre-tax contribution that will credentials, log in and follow the prompts to enroll.
be invested in the age-appropriate Schwab Managed
Retirement Trust fund as determined by the Plan. This is a
convenient way to get started.
Don’t Forget to Complete Your
Self-Directed Beneficiary Designation Online
Select your preferred savings rate—any combination • It is important and only takes a minute to go online and
of pre-tax, Roth 401(k), or after-tax contributions—then designate the beneficiary(s) for your Plan account.
select from the Plan’s investments.
• You may also designate your beneficiary via phone by
speaking to a Participant Services Representative at
800-724-7526.
Web
workplace.schwab.com This lets Schwab Retirement Plan Services and PayPal
know who should receive your Plan account balance in
the event of your death.
Schwab Workplace Retirement App4
workplace.schwab.com/mobile
Go Paperless
If you prefer, you can also enroll by calling Participant You can do away with paper altogether. Sign up for
Services at 800-724-7526, between 4 a.m. and paperless delivery, and Schwab Retirement Plan Services
8 p.m. PT, Monday through Friday. will stop sending you statements, reports, and transaction
confirmations through the mail. Instead, whenever
On Your Mobile Device
there’s a new statement or other document ready to
The Schwab Workplace Retirement App is available view, Schwab Retirement Plan Services will send you an
for iPad®, iPhone®, and Android™. email notification.
To get started, log in to your Plan account and click on
Communication Preferences under the My Profile tab,
Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., and you’ll see your current delivery options listed. Click
registered in the U.S. and other countries. Edit Delivery Options to change them and provide your
Android is a trademark of Google LLC. Use of this trademark is subject preferred email address.
to Google Permissions.
6Investment Products: Not FDIC-Insured - No Bank Guarantee - May Lose Value
This information is not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is
necessary or appropriate, you should consult with a qualified tax advisor, CPA, financial planner or investment manager.
Access to electronic services may be limited or unavailable during periods of peak demand, market volatility, systems upgrades, maintenance, or for
other reasons.
1
At the direction of the Plan Sponsor or Plan Administrator, Participants may have access to an advice service that can provide Participants with a
retirement savings and investment strategy for their Plan account, furnished by Morningstar Investment Management LLC, an independent registered
investment adviser and subsidiary of Morningstar, Inc. Recommendations are formulated and provided by Morningstar Investment Management
through Morningstar® Retirement ManagerSM , an advice program which is intended for citizens or legal residents of the United States and its territories,
and can be accessed through workplace.schwab.com. Morningstar Investment Management will select investment options appropriate for the
Participant’s strategy from the investment options available under the Plan as selected by the Plan Sponsor, Plan Administrator or other Plan fiduciary.
Morningstar Investment Management is not affiliated with or an agent of Schwab Retirement Plan Services, Inc. (SRPS); Charles Schwab & Co., Inc.
(CS&Co.), a federally registered investment advisor; or their affiliates. Neither SRPS, CS&Co., nor their affiliates supervise, make recommendations
with respect to, or take responsibility for monitoring the advice services provided to the Participants by Morningstar Investment Management. Advice
Consultants are registered representatives of CS&Co., not employees of Morningstar Investment Management, who may facilitate Participant access
to Morningstar Retirement Manager, but do not provide investment advice or recommendations regarding the Morningstar Investment Management
service. The term “personalized advice” refers to personal participant data such as age, salary, and Plan account balance, which will form the basis
by which Morningstar Investment Management will establish the Participant’s savings and investment recommendations. Diversification and asset
allocation strategies do not ensure a profit and cannot protect against losses in a declining market. There is no guarantee a Participant’s savings
and investment strategy will provide adequate income at or through their retirement. Projections and other information regarding the
likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, and are not
guarantees of future results. Results may vary with each use and over time. The advice service includes non-discretionary investment advice,
which is available at no additional cost, beyond the expenses imposed by the underlying investments and the standard fees paid to SRPS, CS&Co.
and their affiliates for recordkeeping and related services. For a complete list of investment options available under the Plan, as well as information
pertaining to fees and expenses applicable to the Plan account, log in to workplace.schwab.com to find the most recent annual Fee and Investment
Notice and any subsequent Change Notices under “History & Statements.” More information about fees and compensation that SRPS, CS&Co.
and their affiliates receive is detailed in the Charles Schwab & Co., Inc. Advice Services with Morningstar Investment Management, LLC Disclosure
Brochure (Form ADV Part 2A). Participants should carefully consider information contained in the materials furnished at their employer’s direction
regarding the services provided by SRPS and its affiliates and Morningstar Investment Management, including information regarding compensation,
affiliations and potential conflicts. The Morningstar name and logo are registered marks of Morningstar, Inc.
2
The Schwab Managed Retirement Trust Funds™, Schwab Indexed Retirement Trust Funds® and Schwab Institutional Trust Funds® (each a “Fund”,
collectively the “Funds” or “Collective Trusts Funds (CTFs)”) are collective trust funds maintained by Charles Schwab Trust Bank (CSTB), as trustee.
They are available for investment only by eligible retirement plans and entities. Charles Schwab Trust Bank’s Collective Trust Funds are not insured
by FDIC or any other type of deposit insurance; are not deposits or other obligations of, and are not guaranteed by CSTB or any of its affiliates; and
involve investment risks, including possible loss of principal invested. The Funds are not mutual funds and are exempt from registration and regulation
under the Investment Company Act of 1940 (the “1940 Act”), and their units are not registered under the Securities Act of 1933, or applicable
securities laws of any state or other jurisdiction. Unit holders of the Funds are not entitled to the protections of the 1940 Act. The decision to invest
in the Funds should be carefully considered. The Funds’ unit values will fluctuate and may be worth more or less when redeemed, so unit holders
may lose money. The Funds are not sold by prospectus and are not available for investment by the public. The Funds’ prices are not quoted in
newspapers.
3
Schwab Personal Choice Retirement Account® (PCRA) is offered through Charles Schwab & Co., Inc. (Member SIPC, www.sipc.org), a registered
broker-dealer, as part of the Plan, with Plan recordkeeping services provided by Schwab Retirement Plan Services, Inc.
4
Requires a wireless signal or mobile connection. System availability and response times are subject to market conditions and your mobile connection
limitations. Functionality may vary by operating system and/or device.
The Charles Schwab Corporation provides services to retirement and other benefit plans and participants through its separate but affiliated companies
and subsidiaries: Charles Schwab Trust Bank; Charles Schwab Bank, SSB; Charles Schwab & Co., Inc.; and Schwab Retirement Plan Services, Inc.
Trust, custody, and deposit products and services are available through Charles Schwab Trust Bank and Charles Schwab Bank, SSB, Members of
FDIC. Brokerage products and services are offered by Charles Schwab & Co., Inc. (Member SIPC, www.sipc.org).
Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans and has provided this
communication to you as part of the recordkeeping services it provides to the Plan.
©2020 Schwab Retirement Plan Services, Inc. All rights reserved.
CC4681755 (1220-03L8) GDE105067PAY-06 (12/20) 00252334
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