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Nice looking bike! This would be a 1963 with build date of 12/3/62 Schwinn Jaguar Mark V with front springer, slim line tank and Bendix 2 speed kick back. GLWS
Yes he is saying a December '62 date indicates a bike sold in '63 because a part manufactured in December could not be assembled and sold in the same month. It would have been sold in the next year technically a '63.
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