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The largest 5-digit number divisible exactly by 99 is 99990.
100089
100089
3 and 9. 93 has a digit sum of 12, initially, which is divisible by 3, but not by 9. So 93 is divisible by 3, but not by 9. 99 has a digit sum of 18, initially, which is divisible by 3 and 9. So 99 is divisible by both 3 and 9.