What Time Does Wells Fargo Close?

Does Wells Fargo deposit on Saturday?

When is my money available? – If you deposit on a business day before 9 pm PT, your money will generally be available the next day. If you deposit after 9 pm PT or on a weekend or holiday, we’ll process the deposit on the next business day and your money will generally be available the day after that. For example, a mobile deposit made: Before 9 pm PT

• On Monday is generally available Tuesday
• On Friday is generally available Saturday

After 9 pm PT

• On Monday is generally available Wednesday
• On Friday is generally available Tuesday

Weekends

On Saturday or Sunday is generally available Tuesday

Some checks can take longer to process, so we may need to hold some or all of the deposit for a little longer. We’ll let you know if we need to hold a deposit and include details about when to expect your money. Status in Account Activity You can view the status of your deposit in the Account Activity for the appropriate account.

• You will know that your deposit amount is available when the amount appears in your available balance,
• Hold notifications When a hold is applied on any portion of your deposit, you will receive a notification that provides details on the amount held and when it will be available.
• A deposit is held when funds are posted to your account but are not immediately available to cover debits or withdrawals.

Common reasons include:

• Large deposit amount
• Frequent overdrafts
• Deposited check returned unpaid
• Indications a deposited check may not be paid

Do I need to notify Wells Fargo of international travel?

Before you go – Some credit card issuers may ask you to notify them about your travel plans, such as when and where you’re traveling – whether domestic or international, as well as the cards you’re taking with you. This can prevent your credit card company from viewing your charges as suspicious and declining them because they’re made in another country.

Can I withdraw $50 from Wells Fargo ATM?

What denominations are available for withdrawal at the ATM? – Most Wells Fargo ATMs dispense both 20s and 50s. There are a select number of ATMs that may offer additional denominations such as 1s, 5s and 100s.

Does Wells Fargo work internationally?

Other locations – Amsterdam (Netherlands), Calgary (Canada), Christchurch (New Zealand), Colombia, Dublin (Ireland), Dusseldorf (Germany), Frankfurt (Germany), Hanoi (Vietnam), Melbourne (Australia), Mississauga (Canada), Montreal (Canada), Mumbai (India), Paris (France), Santiago (Chile), Sao Paulo (Brazil), Stockholm (Sweden), Sydney (Australia), Vancouver (Canada) Virtual presence only; no physical office location.

The transactions described herein involve potential costs and risks. Please review roles, responsibilities, and risks, The information contained herein has been prepared solely for informational purposes and is intended for use solely by the intended recipient and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or to participate in any trading strategy or to enter into any transaction.

Unless otherwise specified, all rankings and league table positions in this document relate to the U.S. market only. Recipients must not reproduce, redistribute or pass on this document, directly or indirectly, to any other person, in whole or in part, for any purpose.

The information is intended only to provide a summary and general overview. It is not intended to be comprehensive nor does it constitute legal advice. Recipients should seek legal or other professional advice before acting or relying on any of the content. Wells Fargo & Company provides financial services in Asia, Canada, and Latin America through its duly authorized and regulated subsidiaries.

In Europe, banking services are provided through Wells Fargo Bank International (WFBI), directly regulated by the Central Bank of Ireland, and Wells Fargo Bank, N.A. London Branch, authorized by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Serving businesses and financial institutions in China. LRC-0522

Can I use my Wells Fargo in another country?

Wells Fargo Foreign Transaction Fees FAQs – Can I use my Wells Fargo card internationally? Yes. Wells Fargo cards can be used internationally anywhere the card network is accepted. Read our detailed article to learn more about the foreign transaction fees with Wells Fargo cards.

How do I avoid international ATM fees? You can’t always avoid international ATM fees with Wells Fargo. Instead, picking a card from a specialist provider like Wise or Revolut, which offers some no-fee international withdrawals, may be a better bet. How to let Wells Fargo know you are traveling? While you may not need to confirm to Wells Fargo that you’re planning to travel, you may need to turn on international usage for your card – which you can do in your online banking service.

Does the Wells Fargo debit card have foreign transaction fees? Yes. There’s a 3% foreign transaction fee when you spend with a Wells Fargo debit card in a currency other than USD. How do I know if I have to pay foreign transaction fees? Check your card or account terms and conditions to spot any foreign transaction fees that will apply to your account.

1. Wells Fargo Debit Cards
2. Wells Fargo Credit Cards

Can I deposit $2000 cash?

Law Lets I.R.S. Seize Accounts on Suspicion, No Crime Required (Published 2014) Carole Hinders at her modest, cash-only Mexican restaurant in Arnolds Park, Iowa. Last year tax agents seized her funds. Credit. Angela Jimenez for The New York Times ARNOLDS PARK, Iowa — For almost 40 years, Carole Hinders has dished out Mexican specialties at her modest cash-only restaurant.

For just as long, she deposited the earnings at a small bank branch a block away — until last year, when two tax agents knocked on her door and informed her that they had seized her checking account, almost $33,000. The Internal Revenue Service agents did not accuse Ms. Hinders of money laundering or cheating on her taxes — in fact, she has not been charged with any crime.

Instead, the money was seized solely because she had deposited less than $10,000 at a time, which they viewed as an attempt to avoid triggering a required government report. “How can this happen?” Ms. Hinders said in a recent interview. “Who takes your money before they prove that you’ve done anything wrong with it?” The federal government does.

Using a law designed to catch drug traffickers, racketeers and terrorists by tracking their cash, the government has gone after run-of-the-mill business owners and wage earners without so much as an allegation that they have committed serious crimes. The government can take the money without ever filing a criminal complaint, and the owners are left to prove they are innocent.

Many give up. “They’re going after people who are really not criminals,” said David Smith, a former federal prosecutor who is now a forfeiture expert and lawyer in Virginia. “They’re middle-class citizens who have never had any trouble with the law.” On Thursday, in response to questions from The New York Times, the I.R.S.

Announced that it would curtail the practice, focusing instead on cases where the money is believed to have been acquired illegally or seizure is deemed justified by “exceptional circumstances.” Richard Weber, the chief of Criminal Investigation at the I.R.S., said in a written, “This policy update will ensure that C.I.

continues to focus our limited investigative resources on identifying and investigating violations within our jurisdiction that closely align with C.I.’s mission and key priorities.” He added that making deposits under $10,000 to evade reporting requirements, called structuring, is still a crime whether the money is from legal or illegal sources.

The new policy will not apply to past seizures. The I.R.S. is one of several federal agencies that pursue such cases and then refer them to the Justice Department. The Justice Department does not track the total number of cases pursued, the amount of money seized or how many of the cases were related to other crimes, said Peter Carr, a spokesman.

The I.R.S. seized almost $33,000 from Ms. Hinders. Credit. Angela Jimenez for The New York Times But the, a Washington-based public interest law firm that is seeking to reform civil forfeiture practices, analyzed structuring data from the I.R.S., which made 639 seizures in 2012, up from 114 in 2005.

1. Only one in five was prosecuted as a criminal structuring case.
2. The practice has swept up dairy farmers in Maryland, an Army sergeant in Virginia saving for his children’s college education and Ms.
3. Hinders, 67, who has borrowed money, strained her credit cards and taken out a second mortgage to keep her restaurant going.

Their money was seized under an increasingly controversial area of law known as civil asset forfeiture, which allows law enforcement agents to take property they suspect of being tied to crime even if no criminal charges are filed. Law enforcement agencies get to keep a share of whatever is forfeited.

• Critics say this incentive has led to the creation of a law enforcement dragnet, with more than 100 multiagency task forces combing through bank reports, looking for accounts to seize.
• Under the Bank Secrecy Act, banks and other financial institutions must report cash deposits greater than $10,000.
• But since many criminals are aware of that requirement, banks also are supposed to report any suspicious transactions, including deposit patterns below $10,000.

Last year, banks filed more than 700,000 suspicious activity reports. Owners who are caught up in structuring cases often cannot afford to fight. The median amount seized by the I.R.S. was $34,000, according to the Institute for Justice analysis, while legal costs can easily mount to $20,000 or more.

There is nothing illegal about depositing less than $10,000cash unless it is done specifically to evade the reporting requirement. But often a mere bank statement is enough for investigators to obtain a seizure warrant. In one Long Island case, the police submitted almost a year’s worth of daily deposits by a business, ranging from $5,550 to $9,910.

The officer wrote in his warrant affidavit that based on his training and experience, the pattern “is consistent with structuring.” The government seized $447,000 from the business, a cash-intensive candy and cigarette distributor that has been run by one family for 27 years.

There are often legitimate business reasons for keeping deposits below $10,000, said Larry Salzman, a lawyer with the Institute for Justice who is representing Ms. Hinders and the Long Island family pro bono. For example, he said, a grocery store owner in Fraser, Mich., had an insurance policy that covered only up to $10,000 cash.

When he neared the limit, he would make a deposit. Ms. Hinders said that she did not know about the reporting requirement and that for decades, she thought she had been doing everyone a favor. “My mom had told me if you keep your deposits under $10,000, the bank avoids paperwork,” she said.

I didn’t actually think it had anything to do with the I.R.S.” In May 2012, the bank branch Ms. Hinders used was acquired by Northwest Banker. JoLynn Van Steenwyk, the fraud and security manager for Northwest, said she could not discuss individual clients, but explained that the bank did not have access to past account histories after it acquired Ms.

Hinders’s branch. Jeff Hirsch, an owner of Bi-County Distributors on Long Island. The government seized $447,000 from the business, a candy and cigarette distributor run by one family for 27 years. Credit. Bryan Thomas for The New York Times Banks are not permitted to advise customers that their deposit habits may be illegal or educate them about structuring unless they ask, in which case they are given a federal pamphlet, Ms.

Van Steenwyk said. “We’re not allowed to tell them anything,” she said. Still lawyers say it is not unusual for depositors to be advised by financial professionals, or even bank tellers, to keep their deposits below the reporting threshold. In the Long Island case, the company, Bi-County Distributors, had three bank accounts closed because of the paperwork burden of its frequent cash deposits, said Jeff Hirsch, the eldest of three brothers who own the company.

Their accountant then recommended staying below the limit, so for more than a decade the company had been using its excess cash to pay vendors. More than two years ago, the government seized $447,000, and the brothers have been unable to retrieve it. Mr.

Salzman, who has taken over legal representation of the brothers, has argued that prosecutors violated a strict timeline laid out in the Civil Asset Forfeiture Reform Act, passed in 2000 to curb abuses. The office of the federal attorney for the Eastern District of New York said the law’s timeline did not apply in this case.

Still, prosecutors asked the Hirsches’ first lawyer, Joseph Potashnik, to waive the CARFA timeline. The waiver he signed expired almost two years ago. The federal attorney’s office said that parties often voluntarily negotiated to avoid going to court, and that Mr.

• Potashnik had been engaged in talks until just a few months ago. But Mr.
• Potashnik said he had spent that time trying, to no avail, to show that the brothers were innocent.
• They even paid a forensic accounting firm $25,000 to check the books.
• I don’t think they’re really interested in anything,” Mr.
• Potashnik said of the prosecutors.

“They just want the money.” Bi-County has survived only because longtime vendors have extended credit — one is owed almost $300,000, Mr. Hirsch said. Twice, the government has made settlement offers that would require the brothers to give up an “excessive” portion of the money, according to a new court filing.

1. We’re just hanging on as a family here,” Mr.
2. Hirsch said.
3. We weren’t going to take a settlement, because I was not guilty.” Army Sgt.
4. Jeff Cortazzo of Arlington, Va., began saving for his daughters’ college costs during the financial crisis, when many banks were failing.
5. He stored cash first in his basement and then in a safe-deposit box.

All of the money came from paychecks, he said, but he worried that when he deposited it in a bank, he would be forced to pay taxes on the money again. So he asked the bank teller what to do. “She said: ‘Oh, that’s easy. You just have to deposit less than $10,000.'” The government seized $66,000; settling cost Sergeant Cortazzo $21,000.

As a result, the eldest of his three daughters had to delay college by a year. “Why didn’t the teller tell me that was illegal?” he said. “I would have just plopped the whole thing in the account and been done with it.” A version of this article appears in print on, Section A, Page 1 of the New York edition with the headline: Law Lets I.R.S.

Seize Accounts on Suspicion, No Crime Required, | | : Law Lets I.R.S. Seize Accounts on Suspicion, No Crime Required (Published 2014)

What is the limit for cash deposit?

Banks must report cash deposits totaling $10,000 or more When banks receive cash deposits of more than $10,000, they’re required to report it by electronically filing a Currency Transaction Report (CTR). This federal requirement is outlined in the Bank Secrecy Act (BSA).

Why Wells Fargo is closing international accounts?

Why is Wells Fargo restricting U.S. brokerage accounts? – There is no U.S. law that says American expat brokerage accounts must be frozen or shut down when moving abroad. The decision to freeze an expat account is an internal financial institution policy.

Rather than complying with new international regulations, many U.S.-based brokers (such as UBS, Wells Fargo, Merrill Lynch and Morgan Stanley) decide it is easier to close or freeze American expat brokerage accounts. This is likely the case currently going on with Wells Fargo and their international brokerage account restrictions that were announced in early 2021.

There are several reasons for these U.S. expat brokerage account restrictions and no single factor can be solely to blame. The primary rationale is likely a combination of increased U.S. regulation of financial institutions and a perceived compliance risk that U.S.

Banks have about operating in certain foreign countries. Laws such as the U.S. Foreign Account Tax Compliance Act (FATCA) have brought increased scrutiny to this area. Some larger financial institutions who offer commercial and investment banking services do not want to expose these core banking functions to undue regulatory oversight by servicing U.S.

expat retail clients. Wells Fargo may view these U.S. expat clients as a source of perceived compliance risk. Ultimately, they may have decided for their overall business practice to close these retail international brokerage accounts. Again, the good news is that compliant and efficient U.S.

What happens if you don’t tell your bank you are going abroad?

If you haven’t notified them that you’re travelling, they may assume that your card has been stolen and block it for your protection. This can be a major inconvenience, especially if you’re in a foreign country and don’t have access to your funds.

Can I withdraw $20000 from bank?

How Much Cash Can You Withdraw From a Bank in One Day? – The amount of cash you can withdraw from a bank in a single day will depend on the bank’s cash withdrawal policy. Your bank may allow you to withdraw $5,000, $10,000 or even $20,000 in cash per day.

• Or your daily cash withdrawal limits may be well below these amounts.
• It’s important to note that the federal government tracks large cash withdrawals and deposits.
• Banks are required to report any single transactions involving the withdrawal of $10,000 or more in cash or cash equivalents, such as cashier’s checks or money orders.

This rule applies to lump-sum withdrawals or deposits and related payments that occur within 24 hours. The IRS requires this reporting to detect potentially fraudulent activity. This shouldn’t discourage you from withdrawing $10,000 in cash to buy a car or pay for another large purchase if needed, but it’s worth noting that those transactions will come under the notice of the IRS.

Can I withdraw $1000 from Wells Fargo ATM?

What Is Wells Fargo’s ATM Limit? – Wells Fargo does not publish its ATM withdrawal limits. Limits vary by account and customer and depend on several factors. However, a common Wells Fargo ATM withdrawal limit is $300. Your checking account tier may impact your daily limit, with basic checking customers likely having a lower limit than premium checking customers.

What is Wells Fargo daily limit?

Average Daily ATM Withdrawal Limits – Daily ATM withdrawal limits range from around $250 to $1,000 or more, in rare circumstances). Simpler checking accounts tend to have lower limits than, say, a premium or elite checking account. Student accounts also have lower limits to help students better manage their money.

1. Eep in mind that these limits apply to checking accounts.
2. You can withdraw money with no limit from savings accounts,
3. However, federal law limits you to six savings account withdrawals (or transfers) per statement cycle.
4. The chart below lists the daily ATM withdrawal as well as the daily debit purchase limits for accounts at popular banks.

Rates may differ from what is listed depending on the specific type of account you have. If you have a different account or bank or are unsure about your limits, you can always call your bank or refer to your account documents.

Bank	Daily ATM Withdrawal Limit	Daily Debit Purchase Limit
Bank of America	$1,000	$5,000
Capital One	$5,000	$5,000
Chase	$3,000	$400-$3,000
PNC	$500-$2,000	$2,000 with PIN, $5,000 non-PIN
Santander	$1,000-$2,500	$5,000-$11,500
U.S. Bank	$500	$10,000
Wells Fargo	$300	$600-$10,000

It’s important to note that when you open an account with the above banks, these listed limits may not apply. Banks like Bank of America and Chase set limits after you open an account based on your financial history. Chase can’t even give you an estimate should you call without an account, as SmartAsset did.

Can I get euros at Wells Fargo?

Order foreign currency in person Find a branch location near you to order foreign currency cash, for delivery in 2-7 business days. Our branches no longer have foreign currency cash on-hand available for over-the-counter same-day purchase.

Is it cheaper to withdraw money abroad?

Strictly speaking, it’s not possible to get cash abroad without fees. However, there are specialist travel cards available which charge no additional ATM withdraw fees, meaning getting cash abroad is as cheap is it gets.

Can I use my credit card in Europe?

Using Credit Cards in Europe By Rick Steves Despite some differences between European and US cards, there’s little to worry about: US credit cards (Visa and MasterCard) generally work fine in Europe. I’ve been inconvenienced a few times by self-service payment machines that wouldn’t accept my card, but it’s never caused me serious trouble.

European cards use chip-and-PIN technology: Europeans insert their chip cards into a payment machine slot, then enter a PIN. Most chip cards issued in the US instead have a signature option. Although US cards no longer require a signature for verification, don’t be surprised if a European card reader generates a receipt for you to sign.

Some card readers will accept your card as is, but others may prompt you to enter your PIN — so it’s important to know the code for each of your cards, including your credit card. At self-service machines (transit-ticket kiosks, parking, etc.), results are mixed, as US cards may not work in some unattended transactions.

1. Your US cards should work in many kiosks, including those in the London Underground, but may not in others, such as the Paris Métro (though it’s always worth a try, as the situation is constantly changing).
2. Drivers beware: Drivers in particular need to be aware of potential problems using a credit card to fill up at an unattended gas station, enter a parking garage, or exit a toll road.

Be prepared to move on to the next gas station if necessary (don’t let your tank get too low, especially if driving at night or on Sundays). When approaching a toll plaza, err on the easier (if slower) side by using the “cash” lane.

Will my Wells Fargo ATM card work in Europe?

Foreign currency cash withdrawal fees – Your ATM card has several foreign currency withdrawal fees, Usually it is a combination of a Flat Rate and/or a percentage of the total sum taken out. Again, it really depends on your bank. You’ve got to ask them so you will not be surprised.

Using a Wells Fargo debit card in Europe, will cost you $5 fee for each ATM cash withdrawals made outside the United States. If you use your Wells Fargo debit card to purchase things in Europe, you will pay an International Purchase Transaction fee which is 3% of the transaction amount for each purchase made with your debit card in a foreign currency that has been converted into a U.S.

dollar amount by a network. With a Wells Fargo debit card, for each $100 international withdrawal you pay $5 in fees, while for each $1000 international withdrawal you still pay $5 in fees. Using a Bank of America debit card in Europe will cost you $5 fee for ATM cash withdrawals made outside the United States plus an International Transaction fee of 3% of the withdrawal amount.

If you use your Bank of America debit card to purchase goods in Europe it will cost you 3% of the purchase amount. With a Bank of America debit card, for each $100 international withdrawal you pay $8 in fees, while for each $1000 international withdrawal you pay $35 in fees. You can avoid the $5 fee if you use an ATM from one of Bank of America’s partner bank in Europe,

Using a Chase debit card in Europe costs you $5 for each ATM cash withdrawal plus 1% of the amount withdrawn. These fees do not apply to Chase’s premium banking accounts like Chase Sapphire Banking which wave any ATM fees including foreign ATM machines.

1. With a Chase debit card, for each $100 international withdrawal you pay $6 in fees, while for each $1000 international withdrawal you pay $15 in fees.
2. The bottom line is that you have to know what your bank will charge you,
3. So call your bank and ask.
4. However, just like home the US where you get charged extra by getting cash from ATM machines in shopping malls and some grocery stores, in Europe also you have to be careful where you get your cash from.

The safest place to withdraw money in Europe, in terms of not being charged extra, is an ATM machine of a local bank.

Does Wells Fargo convert dollars to euros?

In addition to any applicable fees, Wells Fargo makes money when we convert one currency to another currency for you. The exchange rate used when Wells Fargo converts one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return.

1. The applicable exchange rate does not include, and is separate from, any applicable fees.
2. The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere.
3. Different customers may receive different rates for transactions that are the same or similar, and the applicable exchange rate may be different for foreign currency cash, drafts, checks, or wire transfers.

Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. Wells Fargo is your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.

What is the phone number for Wells Fargo International?

Foreign Currency Cash – For businesses with employees that travel outside the United States or for companies that deal regularly with customers who pay for goods and services with foreign currency, Wells Fargo offers a variety of foreign currency cash services. To learn more about Wells Fargo’s foreign currency cash solutions visit https://www.wellsfargo.com/foreign-exchange/ or contact your local Wells Fargo branch and speak with a representative.

In addition to any applicable fees, Wells Fargo makes money when we convert one currency to another currency for you. The exchange rate used when Wells Fargo converts one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return.

The applicable exchange rate does not include, and is separate from, any applicable fees. The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar, and the applicable exchange rate may be different for foreign currency cash, drafts, checks, or wire transfers.

Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. Wells Fargo is your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.

Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange rate without prior notice to you. For additional information related to Wires and foreign currency wires, please see the Online Access Agreement or applicable service documentation.

Enrollment in Wells Fargo Online ® Wires is subject to eligibility requirements, and terms and conditions apply. Applicable outgoing or incoming wire transfer service fees apply, unless waived by the terms of your account. Your mobile carrier’s message and data rates may apply.

Does Wells Fargo have international customers?

Businesses – We serve middle-market and large corporations with a full range of international financial services through offices across the U.S. and throughout the world.

What number is 1800 956 4442?

Wells Fargo Corporate & Investment Banking (CIB) and Wells Fargo Securities (WFS) are the trade names used for the corporate banking, capital markets, and investment banking services of Wells Fargo & Company and its subsidiaries, including but not limited to Wells Fargo Securities, LLC, member of NYSE, FINRA, NFA, and SIPC, Wells Fargo Prime Services, LLC, member of FINRA, NFA and SIPC, and Wells Fargo Bank, N.A., member NFA and swap dealer registered with the CFTC and security-based swap dealer registered with the SEC, member FDIC.

• Wells Fargo Securities, LLC and Wells Fargo Prime Services, LLC, are distinct entities from affiliated banks and thrifts.
• Commercial Banking products and services are provided by Wells Fargo Bank, N.A.
• Wells Fargo Bank, N.A.
• Is a bank affiliate of Wells Fargo & Company.
• Wells Fargo Bank, N.A.
• Is not liable or responsible for obligations of its affiliates.

Additional fees can include, but are not limited to, a fee for bank-initiated transactions, amendment fees, statement fees, and fees assessed by other financial institutions (“beneficiary and intermediary banks”). In addition to the wire transfer fee, Wells Fargo makes money when converting U.S.

1. Dollars to a foreign currency.
2. Wells Fargo’s retail foreign exchange rates differ from other banks, foreign currency providers, and rates found elsewhere online.
3. 10 minimum wire amount and maximum limits may apply.
4. Online wires sent internationally from personal accounts are not available 24 hours a day, 7 days a week.

Contact Online Customer Service for details at 1-800-956-4442, Wells Fargo Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured. Investment and Insurance Products are:

Not Insured by the FDIC or Any Federal Government Agency Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

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