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The Spokesman-Review Newspaper
Spokane, Washington  Est. May 19, 1883

Robert Montanez, 39, left, inserts his debit card, equipped with an EMV chip, into an EMV reader while making a purchase at a Home Depot store in Burbank, Calif., on Sept. 23, 2015.

Mel Melcon / Mel Melcon/Los Angeles Times

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