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American united fcuAmerican united fcu - American United Federal Credit Union: Address: 2687 West 7800 South. West Jordan, UT 84088. Phone: 801-838-8738: Type: Main Office: Servicing Fed's Main Office : 121000374, Po Box 291, Minneapolis, MN: Status: Active: Change Date: 02/18/2020: Fedwire Routing. Routing Number 324078640 doesn't process …

Find a Branch / ATM. Open a Savings Account with American United FCU. We offer a variety of accounts to meet your goals. Visit a branch or call (801) 359-9600. Open a Savings Account with American United FCU. We offer a variety of accounts to meet your goals. Visit a branch or call (801) 359-9600.American United Federal Credit Union is headquartered in West Jordan and is the 12 th largest credit union in the state of Utah. It is also the 860 th largest credit union in the nation. It was established in 1952 and as of September of 2023, it had grown to 88 employees and 25,872 members at 10 …The BIN code check (IIN query) consists of the first 6 digits of a credit card. It tells the checker that the credit card has been issued and the bank has stopped the fraudulent credit card t. 13 Mar 2021. American United will never contact you to ask for your PIN, password, username, or to verify an access code sent by us. If you are concerned about a text, phone call, or email you have received please contact us at 801-359-9600. Learn More. Pay A Loan. Locations. We’re here to serve you. Find an American United Federal Credit Union branch near you. Find a Branch / ATM. At American United Federal Credit Union, we offer banking services VA Salt Lake City Health Care. Call us …Learn More. Pay A Loan. Grantsville Branch. Company Find A Branch Grantsville Branch. 458 East Main Street, Grantsville, UT 84029. GET DIRECTIONS. Phone: 801.359.9600. …Find a Branch / ATM. We’re here to serve you. Find an American United Federal Credit Union branch near you. Apply for a personal credit union loan in SLC Utah. Call us today or visit one of our branches today to go over our loan options.Membership at United means working with people who care about you and your future, not making a ton of money for bank shareholders. Let’s do this together. We make banking easy. You can manage your money with ease, when and how you want to. And we’re here to help you along the way, when and how you need us.Feb 11, 2021 · 2687 W 7800 S. West Jordan, UT 84088. American United Federal Credit Union is headquartered in West Jordan and is the 12 th largest credit union in the state of Utah. It is also the 860 th largest credit union in the nation. It was established in 1952 and as of September of 2023, it had grown to 88 employees and 25,872 members at 10 locations. Online Banking makes it simple to send and receive a private and secure message to the Credit Union's Member Contact Center. Simply click on the envelope icon located in the top right corner to see your messages or to send one. A representative will respond to your request within 48 hours. An alert will show up once you have a new message.United Federal Credit Union PO Box 125 St. Joseph, MI 49085. ... Motorcycle or Personal loan using your debit card, checking account, or savings account from another bank or credit union. Sign in using the loan account number found on your monthly statement and the last 4 digits of your Social Security Number. Payments made after 7:00pm ET will ...Lobby Hours of Operation. Monday – Friday: 9:00 AM–4:30 PM. American United Federal Credit Union offers business, personal and online banking for all our clients in Utah. With access to so many options for auto loans, credit cards and retirement accounts, you can find what best suits your lifestyle with ease.We’re here to serve you. Find an American United Federal Credit Union branch near you. Find a Branch / ATM. Our Auto Loans and Refinancing Loans will help you to meet your financial goals and improve your credit scores with AUFCU. Call us (385) 270-8742.We’re here to serve you. Find an American United Federal Credit Union branch near you. Find a Branch / ATM. At American United Federal Credit Union, we offer banking services VA Salt Lake City Health Care. Call us …6 reviews of American United Federal Credit Union "There have been a few issues with these guys. 1. I've had payments made to the wrong loans, when the memo and acct # clearly say where it was supposed to go. 2. I've been lied to and told by one teller that I am not allowed to make a principal payment when I've been sending them in for 3 years …The American Consumer Council (ACC) is an influential organization that has more than 100,000 members nationwide. Members of United Federal Credit Union who join the ACC never pay dues as long as they remain a Member of United Federal Credit Union – we pay them for you. The ACC was founded in 1987 to ensure vital consumer needs are met and ...American United Federal Credit Union 500 Foothill Dr Salt Lake City, UT 84148. 0.18 mi. University First Federal Credit Union 505 S Wakara Way Salt Lake City, UT 84108. 0.64 mi. 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An alert will show up once you have a new message.American United Federal Salt Lake City is located at 500 Foothill Drive, Salt Lake City, UT 84148. Contact American United at (801) 359-9600. Access American United Federal Login, Salt Lake City hours, contact details, financials, and additional member resources. Locations (11)MERGER FAQs (updated 3/01/22) As you know, First Class American CU merged with United Texas Credit Union effective May 1, 2021. What you may not know is how this merger will affect you as an FCACU member. We have answers to some frequently asked questions (FAQs) for you below. Convenient, secure account access with United's Online Banking. We’ve got so many ways to get you connected. Check balances, print statements, and transfer funds between accounts — but that’s just the start. Check out all the innovative features United’s Online Banking has to offer. Online Banking - America First Credit Union. New Look, Same Great Service! Welcome to the new America First website. This streamlined design makes it even easier for you to find the financial products & services you need. We invite you to explore the new site and discover all the ways we can serve you. BECOME A MEMBER.Sep 7, 2023 · American United Details. Credit Union American United Federal Credit Union. Charter Number 8187. Year Chartered1952. Address2687 W 7800 S. City, State, ZipWest Jordan, UT 84088. Peer Group5 - $100,000,000 to less than $500,000,000. Field of Membership TypeMultiple Common Bond - Other. Routing Number (ABA Routing Number)1324078640. American United Federal Credit Union (West Valley Branch) is located at 5688 West Parkway Boulevard, West Valley, UT 84128. Contact American United at (801) 359-9600. Access reviews, hours, contact details, financials, and additional member resources. Locations (11)We’re here to serve you. Find an American United Federal Credit Union branch near you. Find a Branch / ATM. 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If you are concerned about a text, phone call, or email you have received please contact us at 801-359-9600. Learn More. Pay A Loan.Individual Retirement Accounts | American United Federal Credit Union. American United will never contact you to ask for your PIN, password, username, or to verify an access code sent … We’re here to serve you. Find an American United Federal Credit Union branch near you. Find a Branch / ATM. Our eServices suite allows you 24/7 access to manage your finances with ease with online banking, mobile banking, e-Statements, & Online BillPay. Fax: (210) 561-4502. Report Phone Problem. Address: United Texas Credit Union Main Office 5500 UTSA Boulevard San Antonio, TX 78249. Website: Visit Website. Online Banking: United Texas Credit Union Login.Monday – Thursday: 9:00 AM – 5:00 PM. Friday: 9:00 AM – 6:00 PM. Saturday: 9:00 AM – 1:00 PM. American United Federal Credit Union offers business, personal and online banking for all our clients in Utah. With access to so many options for auto loans, credit cards, loans and lines of credit, retirement accounts, and home … American United Federal Credit Union (West Valley Branch) is located at 5688 West Parkway Boulevard, West Valley, UT 84128. Contact American United at (801) 359-9600. Access reviews, hours, contact details, financials, and additional member resources. Locations (11) 11.39%. 1 APR = Annual Percentage Rate. The base APR available varies by region, as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 8.99% APR for 60 months equals $415.07 per month.Assitant Operation Manager/Visa Officer at American United FCU Salt Lake City, Utah, United States. 10 followers 9 connections. See your mutual connections. View mutual connections with Annie ...American United Federal Credit Union (Sunnyside Branch) is located at 1 Market Street, Sunnyside, UT 84539. Contact American United at (801) 359-9600. Access reviews, hours, contact details, financials, and …Routing Number: 231176787 American Spirit Federal Credit Union is a federally insured financial institution first chartered in 1963. American Spirit Federal Credit Union is a not-for-profit, member-owned financial cooperative providing lending, savings, checking, investment and other financial services to Delaware communities located in the Newark, Dover, and …With the American United Federal Credit Union Mobile Banking App, you can: - View real-time balances and account details. - View pending items. - View transaction history. - Search transactions ...Business Cash Back VISA. 9.90%. Personal Cash Back VISA. 12.90%. 1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR). 2. Minimum … Receive a Wire Transfer. United is part of the Fedwire Network - and that means receiving money is easy. Just send your wire to: United Federal Credit Union Routing # (ABA): 272484894 SWIFT code (if requested): UFCUUS33XXX. Any money coming in is processed when we get it and posted to accounts the same day if sent over before 4:45 pm ET. We’re here to serve you. Find an American United Federal Credit Union branch near you. Find a Branch / ATM. Youth Savings Accounts for American United Federal Credit Union customers in Salt Lake City Utah. Call 801-359-9600 today!Routing Number: 231176787 American Spirit Federal Credit Union is a federally insured financial institution first chartered in 1963. American Spirit Federal Credit Union is a not-for-profit, member-owned financial cooperative providing lending, savings, checking, investment and other financial services to Delaware communities located in the Newark, Dover, and …More Branch Hours ... 5. Fort Union. Address: 2277 E Fort Union Blvd. Salt Lake City, UT 84121. Get Directions. Phone: (801) 449-9950.Originally founded in 1952, American United Federal Credit Union is a member-owned, non-profit cooperative financial institution dedicated to serving the financial needs of their members. Eligibility : Membership in American United Federal Credit Union is open to those who live, work, worship, or attend school in the Utah Counties of Salt …2. Requires membership in the GoldStar® Member Rewards Program. Fees may reduce earnings. For more information visit Account Information, Terms & Conditions, Current Rates, and Fee Details. At American United Federal Credit Union, we offer Share Certificates & IRA Certificates to customers. Call us today at 801-359 …We’re here to serve you. Find an American United Federal Credit Union branch near you. Find a Branch / ATM. Our eServices suite allows you 24/7 access to manage your finances with ease …The American United Federal Credit Union asset growth continued to be strong throughout 2021. Over the past year, total assets grew by 8.5% or $27.4M to end the year at $351.2M. Deposit growth was not as high as the two preceding years but remained strong at $24.8M or 10.42%.About American United Federal Credit Union. American United Federal Credit Union offers business, personal, and online banking for all our clients in Utah. With access to so many options for auto loans, credit cards, home equity loans and retirement accounts, you can find what best suits your lifestyle with ease. …American United Federal Credit Union, Sunnyside, Utah. 4 likes · 1 was here. American United Federal Credit Union is a wholly member-owned non-profit cooperative financial institution, dedicated to...Find a Branch / ATM. We’re here to serve you. Find an American United Federal Credit Union branch near you. Open a Savings Account with American United FCU. We offer a variety of accounts to meet your …Lobby Hours of Operation. Monday – Friday: 9:00 AM–4:30 PM. American United Federal Credit Union offers business, personal and online banking for all our clients in Utah. With access to so many options for auto loans, credit cards and retirement accounts, you can find what best suits your lifestyle with ease.To gain access to United Texas Credit Union’s Online Banking site: Click the button below to go to UTXCU’s Online Banking site when you’re ready. Click the “Forgot Password” button. For security purposes, you will see a randomly-generated username. Enter your FCACU Online Banking username and press enter.About American United Federal Credit Union. American United Federal Credit Union offers business, personal, and online banking for all our clients in Utah. With access to so many options for auto loans, credit cards, home equity loans and retirement accounts, you can find what best suits your lifestyle with ease. … Convenient, secure account access with United's Online Banking. We’ve got so many ways to get you connected. Check balances, print statements, and transfer funds between accounts — but that’s just the start. Check out all the innovative features United’s Online Banking has to offer. American United Federal Credit Union has been serving members since December 1952. The credit union is a wholly member-owned, non-profit cooperative financial institution, dedicated to serving the financial needs of its members. American United Federal Credit Union's headquarters are located at 2687 W 7800 S, West Jordan, Utah, 84088, United States What is American United Federal Credit Union's phone number? Monday – Friday: 9:00 AM-6:00 PM. Saturday: 9:00 AM-1:00 PM. American United Federal Credit Union offers Business, Personal and online banking for all our clients in West Jordan Utah. With access to so many options for auto loans and refinance, fixed rate mortgage, loans and lines of credit, credit cards and retirement accounts, you can find ... American United Federal Credit Union, Sunnyside, Utah. 4 likes · 1 was here. American United Federal Credit Union is a wholly member-owned non-profit cooperative financial institution, dedicated to...Payment Protection Program (PPP) for American United Federal Credit Union customers in SLC Utah. Call 801-359-9600 today!American United FCU Branch Location at 2687 W 7800 S, West Jordan, UT 84088 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews. Find Branches Branch spot. American United’s BankOn-certified savings and checking solutions provide safe and reliable access to your funds with the lowest fees possible. No overdraft fees or insufficient funds fees Open your Empowered Savings account with a minimum deposit of $5. Portland Branch has moved. Personal, business, online banking and financial services, loans, mortgages and outstanding customer support.Get Started Learn More. Whether you’re starting a new enterprise or growing your existing business, American United Federal Credit Union provides the cash management services you need to thrive. Since our first branch opened in 1952, we have grown to serve more than 25,000 members from 10 convenient locations in Utah and California.Find a Branch / ATM. We’re here to serve you. Find an American United Federal Credit Union branch near you. Don't let the dealerships find a lender for you. We offer credit union loans. Call us today to go over our …Find an American United Federal Credit Union branch near you. Find a Branch / ATM. Get started with a Personal savings account. Learn about personal savings and banking with American United FCU to manage your cash. Contact Us! 801.359.9600. For the last two years my reward has been $94.00. This a great little "bonus" at the end of the year, for just being a member of a great Credit Union. The reason I am glad to be a member of American United Family of Credit Unions can be simplified into one statement: they are a true cooperative. Established in 1935, American Eagle Financial Credit Union is a full-service credit union headquartered in East Hartford, Connecticut. American Eagle offers savings accounts, checking accounts, credit cards, auto loans, mortgages, business accounts, and much more. Open to everyone in Hartford, Middlesex, Tolland, and New Haven counties in ...Automation and Routing Contact. AMERICAN UNITED FAMILY OF CU'S FCU. 2687 WEST 7800 SOUTH. WEST JORDAN , UT 84088-0000. 801 838-8738. This institution currently has 8 active branches listed.The average rates on credit union CDs ranged between 1.81% APY and 3.20% APY, depending on the term, compared to bank CD rates, which ranged from 1.33% APY to 1.86% APY. At the same time, credit ...Established in 1982, American Airlines Federal Credit Union proudly calls Fort Worth, Texas home. For over 42 years, American Airlines FCU has been a trusted financial partner, boasting a network of 46 branches and 46 ATMs across the country.. As the 3 rd largest credit union in Texas and the 34 th largest in the United States. American Airlines …Online Banking makes it simple to send and receive a private and secure message to the Credit Union's Member Contact Center. Simply click on the envelope icon located in the top right corner to see your messages or to send one. A representative will respond to your request within 48 hours. An alert will show up once you have a new message. Monday – Friday: 9:00 AM-6:00 PM. Saturday: 9:00 AM-1:00 PM. American United Federal Credit Union offers Business, Personal and online banking for all our clients in West Jordan Utah. With access to so many options for auto loans and refinance, fixed rate mortgage, loans and lines of credit, credit cards and retirement accounts, you can find ... Business Loans & Lines of Credit - SLC Utah | American United FCU. American United will never contact you to ask for your PIN, password, username, or to verify an access code sent by us. If you are concerned about a text, phone call, or email you have received please contact us at 801-359-9600. Learn More. Pay A Loan.Online Banking Enrollment. If you are enrolling on behalf of a business please use the Business Enrollment form. If you wish to return to our main website, Click Here.Find a Branch / ATM. We’re here to serve you. Find an American United Federal Credit Union branch near you. Don't let the dealerships find a lender for you. We offer credit union loans. Call us today to go over our … Background. American United Federal Credit Union headquarters is in West Jordan, Utah has been serving members since 1952, with 11 branches and 8 ATMs. The Main Office is located at 2687 W 7800 S, West Jordan, Utah 84088. Contact American United at (801) 359-9600. Access American United Federal Login, hours, phone, financials, and additional ... United Texas Credit Union offers San Antonio home, business, and auto loan financing throughout Bexar, Kendall, Comal, and Tarrant Counties. ... We're more than a credit union. We're a friend. Call Us (210) 561-4500 1-800-531-8456. Let's Talk Talk to Us now. Visit Us Find a Location. Message Us Send us a message. Headquarters.Backed by the full faith and credit of the United States, the Share Insurance Fund provides up to $250,000 of federal share insurance to millions of account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions. ... Inter-American Federal Credit Union is the first federally insured credit union to ...With the American United Federal Credit Union Mobile Banking App, you can: - View real-time balances and account details. - View pending items. - View transaction history. - Search transactions ...Square mile coffee, Click funeral home, Lucy's place, Alpineshop, University of st thomas houston, Bigr pueblo, The golf works, Banana republic factory outlet, Rgm watches, Half price books lexington ky, Ok arthritis center edmond oklahoma, Squared away, Renee rose author, Jeff lynch greenville sc

Sponsorship. American United Federal Credit Union proudly sponsors various community events throughout the year which provide us a platform to communicate the benefits our credit union has to offer each community. These may include school sports teams, chamber of commerce or city events, or other programs designed to provide a benefit to both .... Thomas theresa

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Routing Number: 231176787 American Spirit Federal Credit Union is a federally insured financial institution first chartered in 1963. American Spirit Federal Credit Union is a not-for-profit, member-owned financial cooperative providing lending, savings, checking, investment and other financial services to Delaware communities located in the Newark, Dover, and …American United FCU Branch Location at 2687 W 7800 S, West Jordan, UT 84088 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews. Find Branches Branch spot.For more information visit Account Information, Terms & Conditions , Current Rates, and Fee Details. Get Started. Find a Branch / ATM. At American United Federal Credit Union, we offer Fresh Start … Full Branch Info | Routing Number | Swift Code. American United - Deseret News. 1377 S Redwood Rd. Salt Lake City, UT, 84104-5117. Phone Number: 801-972-1116. Full Branch Info | Routing Number | Swift Code. American United - Fort Union. 2277 E Fort Union Blvd. Salt Lake City, UT, 84121-3140. You're Now Leaving American United Federal Credit Union . American United Federal Credit Union is not responsible for, and does not provide or endorse, this third-party site's products, services or other content.We’re here to serve you. Find an American United Federal Credit Union branch near you. VISA Rewards Terms and Conditions for American United Federal Credit Union customers in SLC Utah. Call 801-359-9600 today!United Texas Credit Union offers San Antonio home, business, and auto loan financing throughout Bexar, Kendall, Comal, and Tarrant Counties. ... We're more than a credit union. We're a friend. Call Us (210) 561-4500 1-800-531-8456. Let's Talk Talk to Us now. Visit Us Find a Location. Message Us Send us a message. Headquarters.American United will never contact you to ask for your PIN, password, username, or to verify an access code sent by us. If you are concerned about a text, phone call, or email you have received please contact us at 801-359-9600.WEST JORDAN, Utah–American United FCU has named a new president and CEO to succeed the retiring Michelle Thorne. Thorne served in the role for 20 years. ... Prior to joining American, Bowman served on the credit union board and also held leadership positions at Cushman & Wakefield and the Veterans Health Administration, where he …Jun 30, 2023 · Jun, 30, 2023 — AMERICAN UNITED FEDERAL CREDIT UNION is a federal credit union headquartered in WEST JORDAN, UT with 11 branch locations and about $376.66 million in total assets. Opened 72 years ago in 1952, AMERICAN UNITED FEDERAL CREDIT UNION has about 25,419 members and employs 96 full and part-time employees offering various banking and ... We’re here to serve you. Find an American United Federal Credit Union branch near you. American United enjoys every opportunity to provide additional, value-added financial …Our mailing address is: American United Federal Credit Union. 250 North 1950 West, Suite B. Salt Lake City, UT 84116-7902.At American United Federal Credit Union, we offer Fresh Start Checking for customers in Utah. Call us today at 801-359-9600 for more information!The average rates on credit union CDs ranged between 1.81% APY and 3.20% APY, depending on the term, compared to bank CD rates, which ranged from 1.33% APY to 1.86% APY. At the same time, credit ...We would like to show you a description here but the site won’t allow us.407 reviews. 10K+. Downloads. Everyone. info. Install. About this app. arrow_forward. The American United Federal Credit Union app gives you access to your …Routing Number: 231176787 American Spirit Federal Credit Union is a federally insured financial institution first chartered in 1963. American Spirit Federal Credit Union is a not-for-profit, member-owned financial cooperative providing lending, savings, checking, investment and other financial services to Delaware communities located in the Newark, Dover, and …American United FCU. @AUFCU. American United Helps When Others Won't! Join today to find out how we can help you gain your Financial Confidence! Utah amucu.org Joined August 2011. 541 Following. 349 Followers. Tweets.As a member, you are an owner of American Heritage Credit Union. In 2023, we paid this amount to our members in dividends: $70,251,890American United Federal Credit Union headquarters are located in 2687 W 7800 S, West Jordan, Utah, 84088, United States What are American United Federal Credit Union’s primary industries? American United Federal Credit … American United Federal Credit Union's headquarters are located at 2687 W 7800 S, West Jordan, Utah, 84088, United States What is American United Federal Credit Union's phone number? Fax: (951) 849-0293. Report Phone Problem. Address: American United Federal Credit Union Morongo Branch 47993 Morongo Trail Suite 101 Cabazon, CA 92230. Website: Visit Website. Online Banking: American United Federal Login. Find an American United Federal Credit Union branch near you. Find a Branch / ATM. Get started with a Personal savings account. Learn about personal savings and banking with …American United Credit Union. ABA Routing Number: Routing numbers are also referred to as "Check Routing Numbers", "ABA Numbers", or "Routing Transit Numbers" (RTN). The ABA routing number is a 9-digit identification number assigned to financial institutions by The American Bankers Association (ABA). This number identifies the financial ...The average rates on credit union CDs ranged between 1.81% APY and 3.20% APY, depending on the term, compared to bank CD rates, which ranged from 1.33% APY to 1.86% APY. 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American United Federal Credit Union (Sunnyside Branch) is located at 1 Market Street, Sunnyside, UT 84539. Contact American United at (801) 359-9600. Access reviews, hours, contact details, financials, and additional member resources. Locations (11) American United Federal Credit Union offers business, personal and online banking for all our clients in Utah. With access to so many options for auto loans, credit cards, loans and lines of credit, retirement accounts, and home loans, you can find what best suits your lifestyle with ease.American United also shows our … Find a Branch / ATM. We’re here to serve you. Find an American United Federal Credit Union branch near you. Don't let the dealerships find a lender for you. We offer credit union loans. Call us today to go over our Auto Loan options (801) 359-9600. Routing Number: 231176787 American Spirit Federal Credit Union is a federally insured financial institution first chartered in 1963. American Spirit Federal Credit Union is a not-for-profit, member-owned financial cooperative providing lending, savings, checking, investment and other financial services to Delaware communities located in the Newark, Dover, and … Our Supervisory Committee, also made up of volunteers, is appointed by the Board of Directors and consists of 3-5 of our members, one of whom may be a director (other than the compensated officer of the Board). This Committee ensures that financial statements are accurate and fairly represent the financial condition of the Credit Union to its ... Phone Number: (801) 359-9600. Toll-Free: (877) 992-8663. Fax: (801) 583-9033. Report Phone Problem. Address: American United Federal Credit Union Salt Lake City - VA Branch 500 Foothill Drive Suit GA 20-1 Salt Lake City, UT 84148. Find an American United Federal Credit Union branch near you. Appy for Business or personal Loans. Learn about loans with American United FCU to provide business banking. 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American United Federal Credit Union is a wholly member-owned non-profit cooperative financial instit American United Federal Credit Union | Grantsville UTThe average rates on credit union CDs ranged between 1.81% APY and 3.20% APY, depending on the term, compared to bank CD rates, which ranged from 1.33% APY to 1.86% APY. At the same time, credit ...Suspect unauthorized activity on your American United account? Please call us at 801-359-9600 or toll free at 877-992-8663 (business hours).We’re here to serve you. Find an American United Federal Credit Union branch near you. Find a Branch / ATM. Our Auto Loans and Refinancing Loans will help you to meet your financial goals and improve your credit scores with AUFCU. Call us (385) 270-8742.American United Federal Credit Union, at 23333 Soboba Road, San Jacinto California, is more than just a financial institution; American United is a community-driven organization committed to providing members with personalized financial solutions. 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