It is given that \(X = \begin{pmatrix} a & 9 \\ 3b & 2 \end{pmatrix}\), \(Y = \begin{pmatrix} 4 & -1 \\ -5 & -3 \end{pmatrix}\) and \(Z = \begin{pmatrix} 9 & 2c \\ 3 & d \end{pmatrix}\). Find
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