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The winner said she bought her recent winner at the Middletown BP station in Frederick County during her lunch break and scratched the ticket while still at the store.
She said she stowed the ticket in a safe place and returned to work, where she remained mum about her incoming windfall until she told her husband later in the evening.
The woman chose to receive her winnings in annuity, which comes to about $66,000 a year for the next 20 years.
"The prize money takes a load off when it comes to bills and living expenses," the winner said.