arkansasbeauty-connect-verification | Stripe Developers | Page 1

wraith elmBOT Feb 9, 2024, 6:05 PM

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Hello! We'll be with you shortly. Below are links to other discussions we've had with you in the past week in case you want to review that information. If your question is related to one of these previous discussions, please provide a comprehensive summary of the current state and what you need help with now. We help many users simultaneously, so a summary allows us to resolve your issue as soon as possible.

arkansasbeauty_89186, 1 hour ago, 8 messages
arkansasbeauty_89186-account-support, 17 hours ago, 4 messages
ArkansasBeauty-branding-update, 2 days ago, 14 messages
arkansasbeauty_89186, 6 days ago, 25 messages

sullen ravine Feb 9, 2024, 6:06 PM

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@lofty zenith please try to keep your question to the open thread already to avoid duplicating work. I closed the previous one for now but for next time

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I don't really understand what you are asking again unfortunately. I don't get what "reset" means

lofty zenith Feb 9, 2024, 6:12 PM

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I dont know another word for it. I just want to know how to be able to re-submit without the "one round of verification" being a factor as your associate Toby mentioned in the earlier thread.

sullen ravine Feb 9, 2024, 6:13 PM

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I'm raelly sorry I don't know what this could mean

lofty zenith Feb 9, 2024, 6:14 PM

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Ok. No problem. I will speak to Toby tomorrow morning.

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Thank you.

wraith elmBOT Feb 9, 2024, 6:15 PM

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sullen ravine Feb 9, 2024, 6:15 PM

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tomorrow is Saturday and Toby won't be here. I work on the same team as them

lofty zenith Feb 9, 2024, 6:15 PM

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Sorry, I meant Monday

sullen ravine Feb 9, 2024, 6:27 PM

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Up to you, but Toby might not be here on Monday, it doesn't really make sense to wait for them.

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@vernal grail took over so if you want to try to them you're welcome to explain your ask again in a different way!

vernal grail Feb 9, 2024, 6:27 PM

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👋

lofty zenith Feb 9, 2024, 6:41 PM

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Ok

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Basically, I am creating a user form for users who would need a Connect account to be paid via direct bank. I'm currently in test mode and trying to make sure that the values submitted are correct. As I have supplied all the "Required" information, I still see the account fall under "Restricted". I'm trying to find out why that might be the case. One of the reasons that was given to me as to why that might still be the case is that once a test account is submitted and doesnt pass initally, any subsequent submissions will still result in a verification failure. I want to now resubmit again, now that I have the correct info passing through without the verification failure being a factor (basically to be submitted as if its an initial one).

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I hope that makes sense

vernal grail Feb 9, 2024, 6:49 PM

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I do not think that is possible. You cannot reset the information submission so that Stripe views it as the initial submission

lofty zenith Feb 9, 2024, 6:50 PM

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So how do I get around that issue? I want to submit to test if what I have is now passing.

vernal grail Feb 9, 2024, 6:50 PM

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Create a new acount

lofty zenith Feb 9, 2024, 6:51 PM

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A new account in the sense of the form?

vernal grail Feb 9, 2024, 6:56 PM

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Perhaps I have a misperception of what is going on here

You submitted information for a Connect Account
It still fails verification
You want to pass a more thorough data payload to see if that would immediately pass verification

lofty zenith Feb 9, 2024, 6:59 PM

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I have submitted new forms with different user info and it shows new account numbers respectively. Here is maybe a clearer question; when a user submits info for the connect account (in test mode), and submits all the fields labled "required" , but doesnt submit the banking info with that inital request, is that what causes the failure? Because when I then check the account, under missing details it states the banking info and then asks for a TIN number which the user would then have to supply their whole SSN (where as initally the user only needed to supply the last 4).

vernal grail Feb 9, 2024, 7:03 PM

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If the individual fails verification with ssn_last_4, then the full SSN is required and their identity needs to be verified in order to enable card payments
https://stripe.com/docs/connect/custom/onboarding#US--additional-information-on-the-individual

I think that is what you are running into here

lofty zenith Feb 9, 2024, 7:05 PM

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But its not the SSN that fails initially, as I supplied 0000 (the dummy last 4, per docs). Is it that if the verification fails in any way (meaning an item like banking info not supplied with that initial request), that the whole thing fails and then requires the full SSN?

vernal grail Feb 9, 2024, 7:07 PM

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When you say "asks for a TIN number" what is the form you are referring to here?

lofty zenith Feb 9, 2024, 7:09 PM

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Is that what you are referring to?

vernal grail Feb 9, 2024, 7:22 PM

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I'm trying to understand what forms you keep referring to. Whether they are something you are building or whether it's something Stripe hosted

lofty zenith Feb 9, 2024, 7:24 PM

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The form being submitted is the Custom Stripe connect account form. The custom form I made includes the required fields needed for a Stripe connect account.const account = await stripe.accounts.create({
type: 'custom',
country: 'US',
email,
business_profile: {
mcc: '5947',
url: 'https://www.somesite.com',

  },
  business_type: 'individual',
  company: {
    name: fullName,

  },
  individual: {
    email,
    first_name: fullName.split(' ')[0],
    last_name: fullName.split(' ')[1] || '',
    dob: {
      day: parseInt(day, 10),
      month: parseInt(month, 10),
      year: parseInt(year, 10),
    },
    ssn_last_4: ssn.slice(-4),
    phone: formattedPhone,
    address: {
      line1,
      city,
      postal_code,
      state,
      country
    }
  },
  capabilities: {
    card_payments: { requested: true },
    transfers: { requested: true },
  },
});

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That is all the data supplied

vernal grail Feb 9, 2024, 7:34 PM

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Okay, and you have reviewed this doc on the required information: https://stripe.com/docs/connect/custom/onboarding#US--additional-information-on-the-individual

lofty zenith Feb 9, 2024, 7:36 PM

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Yes

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As I asked previously, I supplied 0000 (the dummy last 4, per docs). Is it that if the verification fails in any way (meaning an item like banking info not supplied with that initial request), that the whole thing fails and then requires the full SSN? I'm just trying to make sure that I am fully aware of the results of what might occur if an initial submission fails.

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And to know if that was the reason that now the user needs to supply the full SSN

wraith elmBOT Feb 9, 2024, 7:44 PM

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eternal dagger Feb 9, 2024, 7:48 PM

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👋 taking over and catching up

lofty zenith Feb 9, 2024, 7:49 PM

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Hello

eternal dagger Feb 9, 2024, 7:49 PM

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there seems to be a lot of context in the thread 🙂 Can you give me a few sentence summary on the issue while I catch up on the above?

lofty zenith Feb 9, 2024, 7:49 PM

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yes, please take your time

eternal dagger Feb 9, 2024, 7:49 PM

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I see you're creating custom connected accounts and are trying to prefill Social Security number

lofty zenith Feb 9, 2024, 7:50 PM

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Trying to have the user Create a Connect account, they are given a form to which they can supply the required information needed to create one.

eternal dagger Feb 9, 2024, 7:56 PM

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okay, and what issue are you running into?

lofty zenith Feb 9, 2024, 7:57 PM

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Well basically I need clarification so I can test this method correctly

eternal dagger Feb 9, 2024, 7:58 PM

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which part exactly? when is a full social required?

lofty zenith Feb 9, 2024, 7:58 PM

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when a user submits info for the connect account (in test mode), and submits all the fields labled "required" , but doesnt submit the banking info with that inital request, is that what causes the failure? Because when I then check the account, under missing details it states the banking info and then asks for a TIN number which the user would then have to supply their whole SSN (where as initally the user only needed to supply the last 4).

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Is that full SSN needed because that inital request failed the initial verification since the banking info wasn't supplied?

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Will that inital verification fail because banking info wasnt supplied?

eternal dagger Feb 9, 2024, 8:00 PM

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I think the difference here is that you're setting SSN on the individual hash while the onboarding flow is asking for TIN/SSN for your business (which needs to be provided separately I think)

lofty zenith Feb 9, 2024, 8:02 PM

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But the Connect Account is for the user not our business. In addition they are not a business so they wont have a TIN.

eternal dagger Feb 9, 2024, 8:04 PM

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right right, it can be the SSN but the reason it's being asked twice is because onboarding flow only requires last 4 in case of individual info vs full SSN for company info

lofty zenith Feb 9, 2024, 8:05 PM

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My question: If the initial verification of that user fails, they then have to supply the full SSN correct?

eternal dagger Feb 9, 2024, 8:07 PM

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that's not something our team on discord would be able to confirm 100% as we don't know account related stuff in detail.

But yeah, according to the docs
https://stripe.com/docs/connect/required-verification-information#:~:text=If the individual,collect this information.

If the individual fails verification with ssn_last_4, then the full SSN is required and their identity needs to be verified in order to enable card payments. Use the individual.id_number argument to collect this information.

lofty zenith Feb 9, 2024, 8:07 PM

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Second question: When submitting the initial request that has all the "Required" fields supplied, but does not initially add banking info, does this cause that initial verification to fail?

eternal dagger Feb 9, 2024, 8:08 PM

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It shouldn't cause verification to fail no, the requirement should be pending

lofty zenith Feb 9, 2024, 8:09 PM

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Then I dont understand why when the form is submitted with all the required info it falls under "Restricted", and shows these items needed:

eternal dagger Feb 9, 2024, 8:10 PM

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Ah, could you try creating an account link with collection_opations set to eventually_due and future_requirements set to include?
https://stripe.com/docs/api/account_links/create#create_account_link-collection_options

lofty zenith Feb 9, 2024, 8:11 PM

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Let me review this, one moment

lofty zenith Feb 9, 2024, 8:38 PM

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Sorry to clarify, you are suggesting to set the banking to eventually_due?

eternal dagger Feb 9, 2024, 8:40 PM

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no, I mean setting collection_options should include collecting banking details as part of the onboarding flow afaik

lofty zenith Feb 9, 2024, 8:41 PM

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Am I correct to supply 0000 for the SSN in the initiall request?

eternal dagger Feb 9, 2024, 8:41 PM

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Yes

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oh I believe you can prefill the bank account information too @lofty zenith

try setting external_account: 'tok_visa_debit_us_transferSuccess' when creating the connected account
https://stripe.com/docs/connect/testing#test-debit-card-numbers

lofty zenith Feb 9, 2024, 8:56 PM

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I will try

wraith elmBOT Feb 9, 2024, 8:56 PM

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arkansasbeauty-connect-verification

eternal dagger Feb 9, 2024, 9:01 PM

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👍

lofty zenith Feb 9, 2024, 9:05 PM

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hanzo, can you please take a look at the account I just made:acct_1Oi1FC3lifMW640A

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I just don't understand why right away its under restricted when as you said before the banking details are not needed immediately and in fact would need a septerate api call anyway.

eternal dagger Feb 9, 2024, 9:09 PM

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I think this is due to no external account being on the file.

As I mentioned above, try setting

external_account: 'tok_visa_debit_us_transferSuccess'
when you make the account creation call.

That should allow you to create a test custom account with all requirements fulfilled

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I just tried it myself and it works

lofty zenith Feb 9, 2024, 9:12 PM

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Like this?const account = await stripe.accounts.create({
type: 'custom',
country: 'US',
email,
business_profile: {
mcc: '5947',
url: 'https://www.somesite.com',
},
business_type: 'individual',
company: {
name: fullName,
},
individual: {
email,
first_name: fullName.split(' ')[0],
last_name: fullName.split(' ')[1] || '',
dob: {
day: parseInt(day, 10),
month: parseInt(month, 10),
year: parseInt(year, 10),
},
ssn_last_4: ssn.slice(-4),
phone: formattedPhone,
address: {
line1,
city,
postal_code,
state,
country
}
},
capabilities: {
card_payments: { requested: true },
transfers: { requested: true },
},
external_account: 'tok_visa_debit_us_transferSuccess',
});

eternal dagger Feb 9, 2024, 9:12 PM

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yes

lofty zenith Feb 9, 2024, 9:12 PM

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Let me give that a try, one moment

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I added it, acct_1Oi1Nu33qeYwbb1s but still it says restricted.

eternal dagger Feb 9, 2024, 9:15 PM

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What address are you passing to the line1 ?

lofty zenith Feb 9, 2024, 9:18 PM

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1540 Nettleship St
Fayetteville, AR 72701

eternal dagger Feb 9, 2024, 9:18 PM

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This is what I tested with

  type: 'custom',
      country: 'US',
      email: 'test@stripe.com',
      business_profile: {
        mcc: '5947',
        url: 'https://www.somesite.com/',
      },
      business_type: 'individual',
      company: {
        name: 'testing connect',
      },
      individual: {
        email: 'test@stripe.com',
        first_name: 'test stripe',
        last_name: 'stest stripe',
        dob: {
          day: '01',
          month: '01',
          year: '1901',
        },
        ssn_last_4: '0000',
        phone: '000-000-0000'
      },
      capabilities: {
        card_payments: { requested: true },
        transfers: { requested: true },
      },
      external_account: 'tok_visa_debit'
})

lofty zenith Feb 9, 2024, 9:19 PM

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Sorry line 1 would be 1540 Nettleship St

eternal dagger Feb 9, 2024, 9:19 PM

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When it asks for address verification, you need to provide address_full_match in the line1 field

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https://stripe.com/docs/connect/testing#test-verification-addresses

lofty zenith Feb 9, 2024, 9:21 PM

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can you try with the address I provided

eternal dagger Feb 9, 2024, 9:21 PM

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if you don't use the verification details we have mentioned in the above doc then the account would stay restricted

lofty zenith Feb 9, 2024, 9:22 PM

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I see

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one moment I will try

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Can you check this:acct_1Oi1YX4JGUNrBsBt

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In the form for Address Line 1 I entered: "address_full_match"

eternal dagger Feb 9, 2024, 9:27 PM

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did the onboarding flow ask you for company tax ID?

lofty zenith Feb 9, 2024, 9:30 PM

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The only thing required is this.

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But the user would have already supplied their last 4 SSN. Not sure why this would come up.

eternal dagger Feb 9, 2024, 9:33 PM

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Like I mentioned, the last 4 are for individual verification.
The information its asking you is for a company TIN (which is separate, and require a full SSN)
Even for individuals you need to set company's tax ID

lofty zenith Feb 9, 2024, 9:34 PM

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I thought the min a user would have to supply is last 4 digits of SSN, and would only need to supply full SSN if the verification initiallyy fails.

eternal dagger Feb 9, 2024, 9:34 PM

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No, that's only if individual verification fails

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I think there's some confusion between company TIN verification and individual SSN verification

lofty zenith Feb 9, 2024, 9:37 PM

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Is it requireing our company TIN?

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Apologies for my confusion here

eternal dagger Feb 9, 2024, 9:39 PM

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All good. Let me explain.

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When you create a connected account, it could be of any business type like company, individual etc
https://stripe.com/docs/api/accounts/create#create_account-business_type

For compliance reasons, Stripe would need to verify all of them to a degree. See: https://stripe.com/docs/connect/required-verification-information

Even for an individual business type, company tax ID is required as part of the onboarding flow.
But given individuals might not have a company TIN, Stripe expects them to provide their full SSN instead

lofty zenith Feb 9, 2024, 9:43 PM

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Is there any other way for a user to get paid without having to divulge their full SSN? ACH

eternal dagger Feb 9, 2024, 9:44 PM

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I don't believe so, no. As it is something Stripe needs for full verification.

I would suggest you reach out to our support about this. They will know if there's a workaround (unlikely). As they're experts on this, they can confirm it 100%
https://support.stripe.com/?contact=true

Stripe: Help & Support

Find help and support for Stripe. Our support site provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

lofty zenith Feb 9, 2024, 9:45 PM

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Ok, I will reach out.

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Thank you

#arkansasbeauty-connect-verification