LOANS POLICY



The Stained Glass Museum is happy to accept loan requests to make its collection more widely available to the public, to promote the art of stained glass, inspire makers, and stimulate wider enjoyment and appreciation of this unique art form.

Borrowing from The Stained Glass Museum


Formal loan requests from institutions within the UK should be submitted with 6 months' notice and from outside the UK with 12 months’ notice. We suggest that preliminary research to identify which objects you would like to borrow should be carried out at least a year in advance of the desired start date of your loan.

Objects from our collections can be viewed on our online collections search.

Curatorial staff are happy to advise about the selection and general availability of objects for loan. Where possible, we recommend making a visit to the museum to view and discuss any objects under consideration.

All our loans are subject to our usual terms and conditions which are available below.

To make an initial enquiry contact us

SGM Loans Policy



About The Stained Glass Museum


The Stained Glass Museum is the only museum dedicated to the art of stained glass in the UK. The museum boasts a nationally-significant collection of stained glass, associated designs, materials and tools which reveal the development of this unique art from the 13th century to present day.

Vision: The national centre for enjoying and understanding stained glass through storytelling, creativity and research.
Mission: To share with everyone the cultural and artistic importance of stained glass.

Why we lend


The Trustees encourage and support loans as a key means of making the collections more widely available to the public and enhancing the reputation of the museum and its internationally-significant collection. In doing so, they acknowledge the importance of allowing objects to be seen in new contexts by diverse audiences and the value of research as part of the exhibition process.

Trustees of The Stained Glass Museum will also consider requests to use its collections to supplement permanent displays in other museums, galleries and historic buildings, either to complement existing displays, or provide a link for a range of narrative themes.
Who can borrow?

The Stained Glass Museum will lend to public museums, galleries, libraries, archives, educational institutions, public and charitable bodies, and commercial organisations for appropriate purposes. If there is demonstrable public benefit in doing so, the Stained Glass Museum may consider lending to any venue in the UK and abroad that provides public access and is able to meet our loan conditions.

What we lend


The Stained Glass Museum will consider lending objects from all our collections unless there are legal, ethical or practical issues that prevent us. We must balance the work involved in these loans with our own programme of exhibitions and gallery displays. Likewise, the benefit of increased public access to the object must be offset against the risks arising from packing, handling, movement and transportation. Loan requests are therefore subject to a formal approval procedure.

All loans from the Stained Glass Museum collections are subject to our Loan Conditions, which are outlined below and issued to Borrowers upon receipt of a loan request.

Period of loan


Loans may be made on a short-term basis (up to one year) to one or more venues, or on a long-term basis. For long-term loans, the maximum first loan period is five years, after which the loan is reviewed and may either be returned or renewed.

Light sensitive or vulnerable objects may only be available for shorter periods.

Period of notice


The approval procedure for loan requests involves consideration by the Stained Glass Museum Collections Committee, which meets a minimum once a year and typically 2-3 times a year) The work involved in assessing objects and preparing them for loan must be considered alongside requirements of other museum activities and resources of our team.

All requests from UK Borrowers should be received no less than 6 months before the exhibition is scheduled to open, and requests from international borrowers should be received no less than 12 months in advance. This notice counts from the moment a final list of objects has been submitted. We recommend that loan requests for a large number of objects, or for complex objects, should be made no less than 18 months in advance of the planned exhibition opening date.

Preliminary enquiries


Curatorial staff are always happy to advise about the selection and general availability of objects for loan. We suggest that preliminary research should be carried out well in advance by Borrowers and we would welcome early discussions or enquiries. Objects from the Stained Glass Museums collections can be viewed on our website but, where possible, we recommend an actual visit to view and discuss any objects under consideration.

Formal request


Requests for loans are made in writing to the Director of the Stained Glass Museum. The applicant must identify:
Objects requested, quoting SGM accession numbers where possible
Title and dates of the exhibition
Scope of the exhibition
Venue address and names/contact details of key staff involved
A clear rationale for the inclusion of the objects in the exhibition, display or project

Any subsequent changes to these details must be confirmed in writing.

The Stained Glass Museum will only consider changes to the objects requested, if these are submitted at least three months before the exhibition opening date.

In the event of an object being withdrawn from the exhibition, the Stained Glass Museum will not normally undertake to provide a substitute.

All requests will be acknowledged on receipt of a formal loan request letter.

Approval of loans


Initial enquiries usually take around 8-10 weeks, after which the prospective Borrower can expect to receive a decision. The decision to lend in principle is made on the basis of:
The academic and intellectual integrity of the exhibition or project
The physical suitability of the object for transport and display
The resources required to make the object available
The risks surrounding a loan being assessed and moderated to the museum's satisfaction
The impact on the museum's own displays of any withdrawal of objects for loan

The loan process is managed by the Director (or another member of Collections team) who coordinates the museum's response, in the process consulting with the Collections Committee and Trustees.

When a loan application has been approved by the Trustees, the Director (or another member of Collections team) guides the Borrower through the process and is the single point of contact: they negotiate environmental and security conditions, display requirements, the Loan Agreement and insurance, and transport and courier requirements. We emphasise managing the physical risk to the object at each stage of the loans process. The museum reserves the right to withdraw approval for a loan if specific security, display or other concerns cannot be addressed.
Why a loan might be refused
The Stained Glass Museum endeavours to remove all potential barriers to a loan. There may be occasions however when loans may be refused. We will explain the reasons behind our decision, which might include:
• Prior commitments for the object/a clash of dates with other projects
• Inadequate justification for a particular object to be lent
• Fragility or physical nature of the object
• Removing the object from display would have a significant impact on our galleries
• The object will not be accessible to the public
• Specified display, environmental and security requirements cannot be met
• Short notice of the loan request
• Pressure on museum resources

If objections are received, the request is discussed by the museum's Collections Committee, and a decision made by the Trustees.

The Loan Agreement – responsibilities of the Borrower


Once curatorial, conservation and security checks have been completed and all the display and insurance arrangements for the objects have been agreed, the Director (or another member of Collections team) will prepare a formal Loan Agreement setting out the responsibilities and obligations of the Borrower in connection with the loan. The Loan Agreement must be signed by both parties and returned to the Director prior to the despatch of the loans.

Conditions of Loan


The general Conditions of Loan are listed below. These may be supplemented by special conditions in certain circumstances.

1. Borrower's General Covenants
The Borrower covenants, warrants and agrees that:
It shall take all reasonable steps to keep the objects in the same state of repair and condition as received
It shall not carry out any restoration, cleaning, conservation or other work to the objects unless directed to do so by the Stained Glass Museum or with the Stained Glass Museum's prior written agreement
It shall immediately notify the Director (or member of the Collections team) by telephone, and in writing, of any loss, theft or damage to any of the objects and of any damage to display cases, enclosures or supports
It shall give reasonable access by The Stained Glass Museum staff and/or other named representatives to the loan objects at any time during the loan period, provided reasonable notice is given
For touring exhibitions where the Borrower has responsibility for the entire tour and a single Loan Agreement has been signed with The Stained Glass Museum, it shall make every reasonable effort to ensure that the participating venues shall meet the Stained Glass Museum Conditions of Loan
It is not aware of any matter including third party claims which might impede the delivery of the objects to and/or the return of the objects from the Borrower's venue
Where applicable, it shall ensure that the objects qualify for immunity or exemption from seizure under any relevant state statutes or laws providing for immunity or exemption from seizure of any objects of cultural significance and that all conditions required to be met pursuant to any such legislation for the objects to be immune from seizure have been or shall be met
It has no reasonable cause to believe that any object comprised in the exhibition in which the objects shall be displayed was stolen, illegally exported or illegally imported from its country of origin as defined by the UNESCO Convention on the Means of Prohibiting And Preventing the Illicit, Export and Transfer of Ownership of Cultural Property adopted on 14th November 1970

2. Costs covered by the Borrower and detailed in the Loan Agreement
For loans to single UK venues or UK only tours, the Stained Glass Museum covers the curatorial and administration costs.

For loans to international venues, the Borrower is charged an administration fee that is proportional to the number of objects requested. The Stained Glass Museum reserves the right to charge this administration fee to international venues that are part of a UK originating tour.
The Borrower will be invoiced, shortly after the objects have left the Stained Glass Museum, for the following costs:
Display preparations (time and materials), e.g. mounting and framing, display supports and lighting
Condition assessment and production of Condition Report
Conservation (time and materials)
Packing (time and materials)
Record photography (if necessary)

In addition, the Borrower will be responsible for the following costs, where applicable, and will contract directly with the appointed agent:
Fine / Decorative Art Agent fees
Courier travel fares, accommodation and subsistence
Insurance
Bespoke packing crates (which are normally constructed by the Agent to a specification provided by the Stained Glass Museum), including their disposal at the end of the loan
Since these costs can often form a large part of the exhibition budget, Borrowers must ensure that they have been anticipated.

3. Indemnity/insurance
The Borrower shall insure the Loan object(s) for 'All-Risks', 'Nail-to-Nail' cover according to the valuation supplied by the Lender, as long as it remains in its care. The Stained Glass Museum will request a copy of the indemnity undertaking, or commercial insurance policy document or certificate of insurance before the objects leave the museum.

If it appears to the Borrower that the suggested value is unreasonably high, the Borrower may request a second opinion by an independent valuer, agreed by the parties, whose valuation shall be binding and shall be the revised insurance figure. The Lender will be responsible for informing the Borrower of any revision to this valuation during the course of the Loan. Insurance provisions agreed between the Lender and the Borrower will take into account any Government Indemnity provisions in place.

The Borrower confirms that they do not accept liability for natural deterioration of the Loan Objects(s) and if cause of any deterioration is in doubt, an independent conservation opinion can be obtained at the Lender’s expense.

4. Transport and Packing
The Borrower must arrange transport which meets the standards specified in the General Transport Conditions, (see Appendix 2). This will usually result in the appointment of an experienced Fine Art Courier to collect objects from and return them safely to the Stained Glass Museum. The Borrower's Courier must meet and escort all shipments and couriers on arrival, at departure and during any transfer; arrange customs clearance; and must appoint a Courier in the UK as soon as possible.

Objects will be packed by the Stained Glass Museum and if a packing case is required to transport the object, the UK Fine Art Courier (appointed by the Borrower's Agent) should construct the case to the Stained Glass Museum’s specification and deliver the case direct to the Stained Glass Museum for packing.

For objects that are portable and /or extremely vulnerable it may be necessary to transport them in a hand-carrycase. As the courier must remain with this case at all times an extra seat will be required in the aircraft next to the courier to accommodate the case during the flight. Whilst recognising that Customs and Security procedures at points of entry and departure must be followed, the courier will make every effort to avoid the object's being unpacked during the journey. If the case must be opened, the Borrower's Agent should assist and help ensure that the opening is performed in a non-public area and unnecessary handling is kept to a minimum.

5. Couriers
During the approvals process, the Stained Glass Museum will decide whether the complexity of the arrangements or the value or fragility of the object(s) require that one or more Stained Glass Museum couriers accompany the object(s) in transit and oversee condition checking and installation /deinstallation at the venue.

Where a courier is required, the venue will be responsible for the rail or air fares (business class when accompanying objects) and the cost of accommodation and subsistence in a single room in a hotel near to the venue. European venues usually require a stay of two nights and three days, American, Canadian and Japanese venues usually three nights and four days. However, the length of stay depends on the complexity of installation, and additional time may be required to allow sensitive objects to acclimatise for up to 48 hours after arrival before being unpacked and installed.

The Borrower or their Agent must provide an agreed level of subsistence to the courier(s) as soon as they arrive. The subsistence must cover meals, travel costs and other reasonable expenses. The exact amount will be specified in our Loan Agreement.

6. Condition checking and installation/deinstallation
The Loan Object(s) must be in suitable physical condition for loaning, as agreed by both parties. A condition report will be supplied by the Lender, which will be checked and countersigned by the Borrower and the Lender at both the beginning and end of the Loan period.
On arrival at the venue the Borrower will be asked to sign a receipt for the loan and check against the condition report. If the objects are not to be installed immediately upon arrival, they should remain packed and be placed into secure environmentally controlled storage to acclimatise overnight. The objects should not be unpacked or moved until the Stained Glass Museum courier arrives.

The Borrower confirms that the Loan Object(s) will only be handled and or packed by trained staff.

At the point of installation, the Borrower will, with the Stained Glass Museum courier, check the condition of each object against a Conditions Report provided by the Stained Glass Museum. Objects must be installed by experienced technical staff. If a courier is present, installation should only take place under their supervision. Since display cases must not be opened after installation, labels should be prepared in advance. Installation may not take place while areas of the exhibition are under construction. Before installation after any painting, varnishing, or gluing of the exhibition area (e.g. walls, case exteriors), 72 hours must be allowed to pass, to ensure that objects are not affected by hazardous fumes.

Unpacked (i.e. empty) crates must be stored in a secure, waterproof and stable environment. Interior fittings must not be removed.

Objects should be deinstalled, condition checked and packed in the presence of the Stained Glass Museum courier.

Packing crates should be reacclimatised to the conditions in the exhibition area a minimum of 24 hours prior to packing.

7. Handling, Display and case design
The Borrower should provide information about proposed display and case design including designs showing the construction and locking mechanisms of the proposed display cases.
If an object is framed, it must be screwed to the wall using security screws and a minimum of three mirror plates. The Stained Glass Museum may approve a different hanging method if full details are supplied well in advance of the commencement of the loan. The wall or panel to which the framed objects are attached should be a minimum of two centimetres thick and the structure must be entirely stable.

If an object is to be displayed in a case, the case must be secure and lockable. It must also be stable, ensuring the object is protected from vibration and knocks, for example by being secured to the floor. All joins and doors must be dust-proof and the case air tight. All materials used to make the case must be completely inert, preferably metal and glass. Medium Density Fibre Board (MDF) or compound wood should not be used, but painted Zero grade MDF or Medite could be used as an alternative. Oil-based paints should not be used in either the gallery or the display case.
Fabric used for the internal lining must have passed the Oddy Test – a corrosion test adapted from BS903 by Andrew Oddy of the British Museum (See Studies in Conservation, No.40, 1995, pp.145 – 152).The use of felt is not acceptable. Internal linings must be fixed with staples or equivalent and not glued. Any paint work or varnish to the exterior of the case should be completed at least 72 hours prior to installation of the object. The interior of the case should not be painted or varnished unless a minimum of three weeks has elapsed before the object is installed.

The case must be completely secure, access being controlled by means of locks or panels fixed with security screws which are glued into position once installation has taken place.
For stained glass back lighting will be needed and plans for lighting should be discussed with the Stained Glass Museum.

For all other objects, the case should not have internal lighting. Lights should be housed in a separate compartment to the object with a UV absorbent barrier between the objects and the lights. Access to the lights must not involve opening the case.

Any glass used in the case must be a minimum of 7.5 millimetres thick laminated glass. If the object is of high monetary or rarity value and/or very portable, the case must be made of laminated glass of at least 11.5 millimetres thickness. The Stained Glass Museum will not normally accept a case design which involves lowering a Perspex or glass box over the object.

A detailed specification of the type of mount or support required, and lighting should be provided by the Borrower in the display information form.

8. Environmental conditions – relative humidity, light levels, temperature
The objects must be provided with a stable environment. Unless otherwise stated in the Loan Agreement, this will be a temperature in the ideal range of 16 – 25°C and relative humidity in the range of 40 – 65% with fluctuations of no more than 10% within 24 hours. All humidity and heating controls must operate 24 hours a day during the period of the loan. Lights must be turned off in non-public hours.

For light sensitive works, both daylight and fluorescent lighting must be filtered with a suitable UV absorbing material so that UV radiation is below 75 microwatts per lumen.
Specific light levels for each loan object will also be provided in the Loan Agreement.
All environmental conditions must adhere to the environmental conditions in Appendix 1 below.

Security and safety of objects


The Borrower confirms that the Loan Object(s) will be housed in secure premises and that regular security checks are carried out. In addition the Borrower confirms that the Loan Object(s) will not be removed from the Borrower’s premises except in an emergency, or with the express written permission of the Lender. The Borrower confirms that emergency planning procedures are in place.

No conservation work, framing, unframing, remounting or other treatment may take place without the written approval of the Stained Glass Museum, even in the case of an emergency.

Image requests


All objects leaving the Stained Glass Museum on loan must have a colour record photograph. If an image does not already exist, the cost of new photography will be borne by the Borrower. All photography taken of loan objects will be undertaken by the Stained Glass Museum. Commissioned photography can take between eight and ten weeks. If Borrowers wish to use an image for reproduction, they should allow sufficient time for photography to take place in order to meet their requirements

The Borrower should indicate the uses for which the images are required. The Stained Glass Museum will supply digital images, which will incur a supply fee for non-commercial use. All other uses, including any merchandising, digital and audio visual formats will be subject to a permissions fee.

Please note that The Stained Glass Museum must receive payment before images can be despatched.
No photography or filming of individual objects by the Borrower for commercial purposes is permitted. General views of the exhibition which include Stained Glass Museum loans for press, publicity or educational purposes are permitted, and all photography and/or filming must be supervised by a member of the Borrowing venue at all times.

All publicity material using the museum's images must be appropriately credited.

Provision of catalogues


The Borrower must provide the Stained Glass Museum with a copy of any publication, catalogue, brochure or hand list.
[subhead:
Acknowledgement]
The Stained Glass Museum loan must be acknowledged on exhibition labels and in the catalogue as 'The Stained Glass Museum', unless otherwise indicated in the Loan Agreement.

In case of damage


Any damage or loss to the object, regardless of who is responsible, is to be immediately reported to the Director at The Stained Glass Museum. A telephone report must be made immediately (+44 (0)1353 660355).

The Borrower must ensure that a written report, condition report and photographs showing the damage are received by The Stained Glass Museum within 48 hours. In the unlikely event that any work is damaged during the loan, the Borrower will be expected to cover the necessary costs of inspection by Stained Glass Museum staff or the removal of the work from exhibition.
The cost of conservation work undertaken as a result of this damage will be borne by the Borrower as would any resulting depreciation in value.

Any theft or breach of security in the exhibition should be reported even if The Stained Glass Museum objects are not directly affected.

Termination


Termination of the loan must be made in writing to the Director at The Stained Glass Museum. Even where the loan has been cancelled for valid reasons, the Stained Glass Museum will normally charge the Borrower for any actual expenses incurred. These expenses may include the cost of conservation as well as packing, mounting and framing and any other costs associated with the preparation of objects for loan.

Changes to the exhibition date


Applications for changes in the dates of the loan will be considered by the Stained Glass Museum. These applications must be made in writing to the Director and soon as possible.

Long-term loans from the Stained Glass Museum


The arrangements and conditions for long-term loans are generally the same as for short-term loans. Loan Agreements are usually reviewed every three years, at which stage the valuations of objects may be revised. The Stained Glass Museum may ask the Borrowers to confirm the presence and good condition of the loans, usually no more than annually. Spot-checks may be made to ensure that Stained Glass Museum loans are appropriately displayed and acknowledged.

Under certain circumstances objects may be lent to reference collections, but it is usually a condition of loan that objects which are not on public display should be returned. The Collections team at the Stained Glass Museum is always happy to advise about potential loans and to discuss any queries arising from the Conditions of Loan.


Appendix 1: General Security Conditions and Environmental Conditions



1. The Borrower shall at all times be responsible for ensuring that the greatest possible care is taken of the indemnified object.
2. The indemnified object must be accommodated in a strong building which has well-protected windows, doors and skylights. The building must also provide appropriate control for the indemnified object.
3. The whole building must have an automatic fire detection system which is serviced annually and maintained in good working condition.
4. At night, or when the building is closed or not otherwise in normal use, there should be either an agreed level of night guarding by security staff within the building and/or an intruder detection alarm system which covers all possible routes into the building including windows and roof lights. The alarm system should be serviced twice annually and maintained in good working condition.
5. The intruder and fire detection systems must be connected by a secure monitored signal to an alarm receiving centre unless they are monitored internally at all times by security personnel.
6. If, as the result of false calls, the police response to an intruder detection system is downgraded; withdrawn; or if there is a failure which renders the system ineffective; or if the system cannot be re-set immediately, then guarding by trained personnel must be introduced until the police response is restored or the system repaired or re-set.
7. Environmental conditions must be maintained 24-hours a day, 7-days a week throughout the loan period from the time the indemnified object arrives until it departs from the loan venue.
8. Relative humidity, temperature and light levels should be monitored throughout the loan period in the space within which the indemnified object is contained.
9. Paintings, drawings and similar objects must be secured to walls by mirror plates and security screws or, if this is not possible for any reason, an acceptable alternative must be agreed with the Lender.
10. Small pictures, less than 450mm x 250mm (A3 including frame), must not be displayed near windows, fire escapes, or entrances and exits to the building.
11. Any indemnified objects including but not limited to stained glass panels, unglazed paintings, fragile or sensitive material must not be mounted within two metres of a portal or doorway and there shall be at least one metre between the floor level and lowest part of the frame/works. They shall be protected by rope or other barriers which must be at least one metre from the exhibits or an acceptable alternative must be agreed with the Lender.
12. Small portable objects must be exhibited in locked display cases which should be fitted with anti-bandit laminated glazing meeting British Standard BS 5544 and EN 356 P3A. This glazing will be 11.3mm thick or greater. The use of Acrylic or Perspex material may be permitted as an alternative provided its minimum thickness is 12mm. If the material consists of gold, silver, jewellery, coins or medals or items which are especially valuable, the cases must be fitted with alarm devices.
13. All objects must be displayed so that they are invigilated by trained personnel who are in line of sight and nearby the indemnified objects.
14. There must be a form of drill, with which every member of staff is familiar, to cater for all emergencies.
15. An Emergency Plan should be drawn up, updated regularly and tested with practical exercises to cope with emergencies such as: fire; smoke; escape of water from tank, pipe or appliance; theft; robbery; vandalism; storm; explosion; terrorist act; political act; flood; riot; civil commotion; pest attack; earthquake; collision by aircraft or other vehicle.
16. Consideration must be given as to an appropriate level of supervision and invigilation. Any warding staff must be equipped with a means of communication to other members of staff.
17. Food or drink must not be allowed in the area containing an indemnified object except under arrangements approved in advance.
18. The arrangements for formal openings, private views, staff parties and other such events, functions and so on must comply with all the above conditions.

Appendix 2: General Transport Conditions



1. Any transport company used to move the object(s) must have experience in the transport of fragile and valuable artefacts, and must be able to meet the conditions below and confirm this in writing.
2. When object(s) are sent out or brought in from abroad, the company used must have the ability and appropriate experience to handle consignments of valuable and fragile material. Company staff must be experienced in dealing with airport and seaport procedures and all necessary documentation.
3. The removal, packing, unpacking and transport of the indemnified object must be supervised by senior members of the transport company in consultation with the lender and/or Borrower of the object.
4. Any vehicle, whether owned by a transport company or the Borrower or the lender, used for the transport of indemnified material must conform to the specifications contained in paragraphs 5 to 10 below.
5. Vehicles used should normally be closed vans (i.e. having solid sides and roof) with a windowless freight compartment separate from the driving cab. All vehicles should be equipped with good-quality locking devices. Additional locking facilities may also be required, such as closed shackle padlocks. Any locking bars or external fittings must be secured with concealed or non-return screws, or welded or riveted into place.
6. Vehicles should provide appropriate protection against vibration and shock and extremes.
7. Vehicles have to be equipped with tracking systems and crew with appropriate means of communication, radio or mobile telephones for dealing with delays or emergencies.
8. Keys to the freight compartment should be kept separate from the vehicle keys.
9. Vehicles other than closed vans may be used in appropriate circumstances, e.g. the carriage of exceptionally large items that may require the use of an open lorry with the load suitably covered. Furthermore, small consignments or single items may be carried by car, small van, taxi, train or air providing a sufficient number of couriers are in attendance.
10. All vehicles must be provided with fire fighting equipment appropriate to the load and the crew must be experienced in its use.
11. Whatever method of transport is used, compliance with the operating conditions in paragraphs 12 – 19 is required.
12. A vehicle must carry two drivers on long journeys, or one driver and a courier on short journeys. The crew must consist of responsible persons experienced in the handling of valuable consignments and capable of dealing effectively with an emergency situation.
13. Where space on the carrying vehicle is limited, or where deemed essential for security control, a second escorting vehicle will need to be provided and equipped with mobile radio/telephone communications.
14. The route should be carefully planned and the addresses and telephone numbers of emergency services should be carried by the crews and accompanying couriers.
15. Ideally, the journey should be completed in one haul.
16. When a stopover is necessary, arrangements must be made to lodge the vehicle and/or material in secure premises that are protected by a 24-hour intruder and fire alarm system or under continuous supervision.
17. On no account should a vehicle be left unattended by the crew, even in an emergency.
18. Special circumstances may apply to some overseas transport, but arrangements must be no less rigorous than those specified above.
19. An effective 'no-smoking' policy should apply in respect of areas containing loan material.


 

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