goblin shark behavioral adaptations. Please see the back of your Card for its issuing bank. Each time you change your Plan, the Plan change and associated fees take effect immediately unless otherwise stated. An Hinglish word (Hindi/English). Fee is determined and assessed by operator of Netspend Reload Network location and varies depending on location and amount of cash withdrawn. Necessary cookies are absolutely essential for the website to function properly. 40 0 obj <>stream We do it differently because we both have accounts and only one transfers the difference to the other. You load your entire paycheck to your Card through Direct Deposit. This website uses cookies to improve your experience while you navigate through the website. Although there are free POS systems, it is essential to mention that they arent entirely free and that they come with certain restrictions. 7. Sometimes on Family Guy when there about to take someones heart out they say, calimar or maybe its spelled different. The only easyish way I have figured out to to transfer money from it is through FB messenger. POS PIN Purchase $0.00 There is no charge for each completed PIN-based purchase. Fee is determined and assessed by MoneyGram. Select the transaction and click on Stop this transfer/payment. WHAT THIS MEANS FOR YOU:When you open a Card Account, we will ask for yourname, address, date of birth, and your government ID number. Your funds on deposit are FDIC insured up to $250,000 through your issuing bank, subject to aggregation of all funds held on deposit. What grade do you start looking at colleges? Why is my internet redirecting to gslbeacon.ligit.com and how do I STOP THIS. Fee to send money is determined and assessed by Western Union. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. This is a third-party fee and is subject to change. Posterior Thigh _____ 4. Per Purchase Signature Purchase Transaction Fee Pay-As-You- GoPlan $1.00 Monthly Plan $0 Per transaction. To qualify for the Reduced Monthly Plan you must receive $500 in payroll or government benefit direct deposits in 1 calendar month. He is on the spectrum, so getting information from him can be frustrating. Reviewed by Ryan Cockerham, CISI Capital Markets and Corporate Finance. . See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. ACH/Preauthorized Payment Transaction Decline Fee: $1.00 per declined ACH transaction. Per transfer of funds via ACH from your bank account at another financial institution to your Card Account. 39 0 obj <>>>/Lang(en-US)/Metadata 24 0 R/OpenAction 65 0 R/Outlines 34 0 R/PageLayout/SinglePage/Pages 36 0 R/Type/Catalog/ViewerPreferences<>>> endobj 41 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageC]/Properties<>/XObject<>>>/Rotate 0/Tabs/W/Thumb 18 0 R/TrimBox[ 0 0 612 792]/Type/Page>> endobj 42 0 obj <>stream 2 E`!UQZDmzY\G;b ;U:hc. Login to CIMB Clicks. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. Standard text message or data rates may apply. w/ payroll/benefits direct deposits of $500 in 1 calendar month. During checkout, select "CREDIT" on the keypad to make a Signature Purchase. The Netspend Prepaid Mastercard may be used everywhere Debit Mastercard is accepted. How Much Does Netspend Charge Per Transaction? (FEES) - Best on Reviews The Pay-As-You-Go Plan (PAYGO) is automatically effective at the time of Card activation, unless the Cardholder chooses the optional Monthly Plan. POS stands to mean Point of Sale. Jimmy aaja, jimmy aaja. Venmo is useful, but you need to have a trusted person on the other end that you are transferring your money too. PDF FEE SCHEDULE AND TRANSACTION LIMITS - University of Arkansas Human Both are very straightforward to use, convenient, and ideal for smaller businesses. How do I cancel my CIMB Clicks subscription? Per withdrawal. Calculate the pH of a solution of 0.157 M pyridine.? For general information about prepaid accounts, visit www.cfpb.gov/prepaid. Credit card transaction fees can be hard to understand, but Square doesnt have any hidden fees that could increase their rates. All rights reserved. Your credit card issuer may also charge extra for transactions in a foreign currency. endstream endobj Upon qualifying, discounted fee takes effect on enrolled Cardholders next Plan Fee assessment date. Besides Square, Clover is one of the preferred service providers among merchants, but which one is better? Tips. Depending on the type of business youre running, these systems can really help you grow your enterprise. How It Works | Western Union NetSpend Prepaid MasterCard 6vz]3ct0OW27 QNIf( #!WU?XHCot8*fW{)>[@SKD F+Hg?.\7ewmqG\MC^B%MVt&t*&m@jKy Unfortunately withdrawing at an atm is the easiest way to transfer money out of a skylight account (at least in my experience). 5% for all other accepted check types, including hand-signed payroll and government checks, with a minimum fee of $5. Contact Netspend by calling 18663877363, by mail at P.O. Contact Netspend by calling 1-866-387-7363, by mail at P.O. Certain products and services may be licensed under U.S. Patent Nos. I tried this three times with no success and as it turns out I have 3 POS signature decline fees. The Pay-As-You-Go Plan ("PAYGO") is automatically effective at the time of Card activation, unless the Cardholder chooses the optional Monthly Plan. I use this to transfer funds to my account to pay bills and such. $5.00/mo. Go to Pay & Transfer > Scheduled Transactions as shown below. Foreign Transaction Surcharge applies. This cookie is set by GDPR Cookie Consent plugin. If you choose Debit at checkout and use your PIN, banks sometimes charge an extra fee. 186NETSPEND (18663877363). Me molesta que mis padres no ______ (cuidar) su alimentacin.. 3. Some retailers are charging their customers when they pay with a credit card, which is the so-called credit card convenience fee. Deltoid muscle _____ 2. iyOv]SI./ There are several types of them, but generally, they all strive to provide fast and efficient service for retailers looking to improve or expand a business. 0 The Netspend Visa Prepaid Card is issued by Pathward, National Association and Republic Bank & Trust Company, pursuant to a license from Visa U.S.A. Inc. When you Direct Deposit at least $500 of your salary or government benefits into your WU Netspend Card Account during one month, you can enjoy a $5 monthly transaction fee. Pos Signature. Summary of fees: We charge 8 other types of fees. iyOv]SI./ Upon qualifying, an eligible Cardholder who is on the Pay-As-You-Go Plan may call 186NETSPEND/18663877363 or visit www.netspend.com to change to the Reduced Monthly Plan; a Cardholder already enrolled in the Monthly Plan will automatically be changed to the Reduced Monthly Plan. $5.00/mo. Fee applies if there are funds in the Card Account and the Card Account has had no activity, i.e., no purchases; no cash withdrawals; no load transactions; and no Balance Inquiry Fee, for ninety (90) days. However, this is not legal in all states. Fee may be assessed by reload location If you dont have enough funds on your bank account, not only will your transaction be declined, but your bank will most likely charge you a decline fee. Read Customer Service Reviews of www.netspend.com - Trustpilot Analytical cookies are used to understand how visitors interact with the website. THANKS! Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. The Kb of pyridine, C5H5N, is 1.5 x 10-9. Netspend Terms and Conditions | Ingo Money App endstream endobj 73 0 obj <>stream This is a third-party fee and is subject to change. An alternative method that I've used in the past is using two seperate paypal accounts to transfer funds. Canceling a pending transaction usually requires contacting the merchant who made the charge. Netspend Prepaid Mastercard review 2023 | finder.com Point of sale transactions are usually performed at a store or business when you use your debit card to make a purchase. For more information on fee plans for a new Card Account, visit the, To see the fees associated with a current Card Account, log in to the Online Account Center. This is an abbreviation for point of sale system. However, even a cash register could be considered a point of sale, although it usually refers to specially-designed machines for processing payments. Per transaction. Netspend is a registered agent of Pathward, N.A., and Republic Bank & Trust Company. To see the fees associated with a current Card Account, log in to the Online Account Center. Use of the Card Account is subject to activation, ID verification, and funds availability. I I had no money left to pay for my son's formula. endstream endobj 43 0 obj <>stream Pos charge of $1.95 every time I swipe my card! Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. Card usage is subject to card activation and identity verification.[1]. bLV`D0f"XUn 38 0 obj <> endobj Register your card for FDIC insurance eligibility and other protections. But he'll get his money every 2 weeks on payday, instead the next day on his card. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. hbbd```b``V@$d:&gHV^0 "Yf`5,&`S``C +DHqx9d $nbe`a;^F,+ : Enter your secure pin number and press OK. CIMB CLICKS ONLINE BANKING Yes. HVK8@Q(szoh'~ipT_q0,9|_vfOt#^pq]hk} s~v0~qtZ0l?3&]+i!dL\[f^^ /mnoxUvBxn. Add or Replace a Card PDF Details of All Fees To Get Started - Moneytree Inc Stop Payment Fee: . View Prepaid Account Agreements and Fee Schedules. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. POS Decline Fees (Signature or PIN), and Fee for declined ACH debit) are at NO FEE. Even went to bank and they couldn't figure it out. If you have exceeded your limits or failed to meet any other requirements of NetSpend, Ingo or NetSpend may decline the credit of . Not all banks charge POS service fees. An alternative method that I've used in the past is using two seperate paypal accounts to transfer funds. KM*l$I UBBSpC}FC4{ {)g%:c79dmgSXMqF8+;sx>3 9V e9Q2O=1H9rTf_oK$x stW>|`Yt20|&{>ZpW!jtu|4@gH[^hD4g[}xiV)=buB`3Un9nK;D'`eqyM69^yV(!v]R y[(E_* Express your answer in terms of x. For the card on file payments, manually processed, you will be charged 3.5% and 15 cents. 3 Answers C5H5N in water > C5H5NH+ & OH- Kb = [C5H5NH+] [OH-] / [C5H5N] 1.5e-9 = [x] 1. This is a third-party fee and is subject to change. Save almost 50% on the Monthly Plan when you upgrade to Premier and get the Reduced Monthly Plan[3]. The pay-as-you-go plan has no monthly fees, whereas the monthly plan charges $9.95 a month. PDF BusyKid Spend Card Monthly Fee Per Purchase ATM Cash Reload Fee hb```b``g`e`0 ,@Qfs78J=Fg,Wiv%b)50n`ccX sO P@5A;xtaY@(` S@] P5 This cookie is set by GDPR Cookie Consent plugin. 6,000,608 and 6,189,787. This cookie is set by GDPR Cookie Consent plugin. POS signature or PIN decline $0.50 This fee is charged for each signature or PIN-based purchase that is not accepted/declined after you have exceeded 4 Per transfer from your debit card at another financial institution to your Card Account. We both also bank at the same regular bank. s"X"FEBr6YCEb IS<5(Rs{C4`lih@1+CGAA0 Ukc("/uDYDT9ObEF$TS 'v{o[)1-S.UyB?YC~!jr56P;7B4#UDS27 v2QeS(;E_Zc@.ihWM g$K There is no fee per purchase. The pay . Up to the greater of 2.75% of the withdrawal amount or $4.00. Call the card company or go online and talk with a rep about your issues. For each additional Card requested that is not a replacement Card. endstream endobj 40 0 obj <>>>/Lang(en-US)/Metadata 24 0 R/OpenAction 41 0 R/Outlines 36 0 R/PageLayout/SinglePage/Pages 37 0 R/Type/Catalog/ViewerPreferences<>>> endobj 41 0 obj <> endobj 42 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageC]/Properties<>/XObject<>>>/Rotate 0/Tabs/W/Thumb 20 0 R/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 43 0 obj <>stream Skylight One, how do you transfer funds : r/Dominos - reddit Per transfer via Customer Service Agent. Get paid up to 2 days faster by direct deposit when your payroll or benefits are put into your card account Pay bills online Get a savings account to earn interest on your balance up to $1,000 As you may expect, there are also fees to pay to use the Netspend card service. Netspend is a prominent provider of no fee prepaid debit cards, with over 10 million subscribers, and their Netspend Visa Prepaid Card is a feasible alternative to checking or savings accounts. All rights reserved worldwide. A POS transaction is any purchase you have made with your visa debit card, and you have to enter your PIN on a keypad. Square accepts chip cards, and its standard processing cost is applied to them. "Understanding the Overdraft 'Opt-in' Choice." pos signature decline fee netspendmt hood meadows black diamond. 0 I cannot figure out how he can transfer money from this card, to his bank account, other than withdrawing funds at a ATM and depositing at his bank.Could someone give me the secret pass code to figure out the easy way to get his done. PDF List of all fees associated with your Netspend Details of All Fees To Netspend is a SCAM! In case you notice a transaction that you havent made, you should contact your bank to check it. How the knowledge of educational psychology can help the teacher to provide quality education? Much more of a hassle than it is worth but it is an option. The decline fee may be charged to your account by your bank at the time the transaction is declined. You may also be charged a fee by the ATM operator. Fee may be either a flat fee or a percentage of the withdrawal amount. ;tG~{=~{=~:?;=:?Jg])RtJ+EW]l0l0l0l0+CW_d9ayEs1mYcW/w` EP( BofI Federal Bank, Member FDIC. You may also change your fee plan in your. Fee is assessed to transferors account when the transfer is processed. This is incorrect; there is an option in the net spend app to transfer money, you just have to set it up with your bank. _____ 1. Though they can vary, the fees generally include the following: $9.95 per month for unlimited purchase use. How do you summon no AI mobs in Minecraft? is pepperoni processed meat; pictures of yin yang tattoos. The page you are looking for does not exist. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. how to add trusted domain in office 365 admin; Per stop payment request on an ACH Debit/Preauthorized Payment Transaction. Just make sure you watch your cybersecurity. Following those two (2) NO FEE declines, any subsequent ATM Transaction Decline Fee in the same calendar month will have a fee of no greater than $0.30; any subsequent Purchase It usually depends on the bank and the terms of your account, but some even offer to sign up for overdraft protection. Card activation and identity verification required before you can use the Card Account. Seattle, Washington(WA), 98106. Although you can now find a hybrid and cloud-based point of sale system where everything is integrated into one device, in most cases, this system has two main compounds. PDF Enjoy the Benefits of the Skylight PayOptions Program I know for me I can go into my bank and give them the skylight card and they'll transfer directly from the card to my bank account, that's with Chase. This would be appropriate if you had processed a point of sale payment and later determined the amount to be incorrect. endstream endobj 44 0 obj <>stream You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Any such transactions that you make get posted to your account immediately. I guess I wasn't missing much then. Greater of 2.0% of total check amount or $5.00. Her articles appear in various online publications, including Sapling, PocketSense, Zacks, Livestrong, Modern Mom and SF Gate. However, you may visit "Cookie Settings" to provide a controlled consent. The cookies is used to store the user consent for the cookies in the category "Necessary". HOk@smD/M)]'Kd73z}+}(3?eW7?8(#%8 y(i[C y]P-bfHX[sx_{gTRQL92I'F>_f+>:`xD ! endstream endobj startxref Your email address will not be published. The Kb of pyridine, C5H5N, is 1.5 x 10-9. Is Forex trading on OctaFX legal in India? "I%b6UNN0t1cQRH|p|\.$GF:WVs8{2S#SnzpW8D5owbbS:esQQMc1&8\b/X!W['PD 4Zha8c3-x\?(|{qnp9s.~3GXR$%RUz`^p@2tU2Vt>05ML}B"F`. pPw/7p)N *7yu^6=OsWosWP/HWN`]_U$ZM1L*et`9Qh?@R$ix}gj?v~uw9"p Bx](lFd8- x&B You check your balance often with text alerts or the mobile app. At pending history, you can view and cancel your pending schedule payment. POS Signature Purchase $0.00 There is no charge to make a POS signature purchase when funds are available. Calculate the pH of a solution of 0.157 M pyridine. Thomas has a Bachelor of Science in marine biology from California State University, Long Beach and spent 10 years as a mortgage consultant. Such as in the song Jimmy by M.I.A look at aaja in the dictionary My indian boyfriend told me is meaning come to me, 6 Answers I have never had or heard of that particular brand, but have had several here in Canada, plus a number in the Caribbean and Asia, and there all the same, small cut hot dogs in a can, no need q now please.. Name the major nerves that serve the following body areas:? These cookies ensure basic functionalities and security features of the website, anonymously. Just a dad trying to help out. A POS decline fee occurs when you do not have the funds available in your account to pay for the transaction at hand. You may also change your fee plan in yourOnline Account Center. However, its flat rate and an added fixed fee can be too pricey for small businesses with a small average ticket. PLEASE HELP!!! The monthly plan is usually $9.95 per month, but it can go as low as $5 per month if you have direct deposits of payroll or benefits exceeding $500 per month. So lets try to answer those questions and clear out all doubts. Completa las oraciones con la forma correcta del presente de subjuntivo de los verbos entre parntesis.? Can I use this word like this: The addressal by the C.E.O. List of all fees associated with your Netspend Details of All Fees To Per withdrawal. * This fee can be lower depending on how and where this card is used. Fee will be assessed when this service is requested with additional or replacement Card orders. Per foreign transaction. 0 2% for payroll and government checks with a pre-printed signature, with a minimum fee of $5. Box 2136, Austin, TX 78768-2136, or visit www.netspend.com to learn more about the terms and conditions of your prepaid account. where can i find red bird vienna sausage? Diaphragm _____ 3. No fee to receive money on your Card via Western Union Money Transfer. On the other hand, a hardware bundle typically includes: The monthly bank statement can help you track all your transactions, and go through them to check the use of your debit card. Work Plz. Square doesnt charge checks, recording cash, or gift certificate payments. }EsbcVWuGO{PA9bw Fee/Surcharge 3.5% of the transaction amount 3.5%3 Purchase Transaction Decline Signature or PIN; always check your balance first! WAT stands for wide-area telephone service, and this authorization fee is charged additionally. Per declined transaction. Signature Purchase Transaction Fee Pay-As-You-Go Plan $1.50 Monthly Plan $0 Reduced Monthly Plan $0 . The Netspend Prepaid Mastercard is a prepaid card that lets you spend money in style with MLB and WWE themed cards. Per transaction. www.fdic.gov/deposit/deposits/prepaid.html. Can You Pay the Mortgage With a Credit Card? Decline Fee $0 No Fee. The point of sale system is something that a modern business cant be run without. Find details and conditions for all fees and services below. See your Cardholder Agreement in your Account Center for details. The cookie is used to store the user consent for the cookies in the category "Analytics". You also have the option to opt-out of these cookies. For processing and mailing of a return of funds check at Card Account closure. pvi=zv\hagq N= '0#r#hC[f`gHq=67x-dPwF4 It is a machine or a terminal used for processing payments and transactions between a merchant and a customer. 39 0 obj <> endobj POS Decline Fees (Signature or PIN), and Fee for declined ACH debit) are at NO FEE. Es ridculo que t ______ (tener) un resfriado en verano. Currently, Square payment fee is 2.6% and 10 cents, for contactless swiped, and inserted cards, including debit ones. xc```b``x`tAb, /o$00,b\g0IIS0 R $( POS stands for "point of sale" and I would imagine that these strange messages are due in part to the iTunes store and your many attempts. Netspend does not charge for this service, but your wireless carrier may charge for messages or data. 66 0 obj <>stream Please go to Pay & Transfer > Scheduled Transactions > Pending History. Unfortunately Skylight One is a NetSpend rechargeable card, and does not support any direct transfers, leaving you with only the indirect option that youve already mentioned. *This fee can be lower depending on how and where this card is used. Required fields are marked *. Square doesn't charge checks, recording cash, or gift . Different types of these systems are particularly tailored for the needs of restaurant owners, for example, or cosmetic salons. Use of these trademarks and brand names do not represent endorsement by or association with this card program. IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT:To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. 5 Answers There is no word like addressal. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. But watch out for fees. When you go into a store and swipe your card to pay for the purchase, the last thing you want is for the transaction to be declined. Fee to add cash or check proceeds at a NetSpend Reload Network location. 2 . You may also be charged a fee by the ATM operator. The Terminal will display your current account balance. Pathward, N.A., and Mastercard are not affiliated in any way with this program and do not endorse or sponsor this program. pos signature decline fee netspend - recoveryishereny.com Greater of 5.0% of total check amount or $5.00. OTC Withdrawal Fee at a Netspend Reload Network Location Up to the greater of 2.75% of the withdrawal amount or $4.00 . It is a machine or a terminal used for processing payments and transactions between a merchant and a customer. www.netspend.com. Decline Fee - Domestic or International $1.00 Per declined transaction. Card Delivery Fee - 1-2 Business Day Delivery $25.00 Charged in addition to Additional Card Fee or Netspend, . So what the heck is going on? It does not store any personal data. PDF Signature Purchase Transaction Fee PIN Purchase Transaction Fee - Netspend A POS charge can also be an additional fee that your bank charges when you use your debit card. What is a "POS Signature Purchase" Payoneer Community Consumer Financial Protection Bureau. Per load. 1 The fees for ATM and POS transactions do not include any fees that may be separately charged . Payback Rewards is an optional program. The decline fee may be charged to your account by your bank at the time the transaction is declined. This is a third-party fee and is subject to change. You can avoid ATM fees if you select "DEBIT" and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores. What Do You Mean by POS? refunds the amount of the USPS. Netspend and Skylight are federally registered U.S. service marks of Netspend Corporation. Subsequent deposits are not required to keep the Reduced Monthly Plan option available. What I started doing, working at Domino's with this Skylight thing going on, I started to venmo a trusted person and have them venmo me back that exact amount. pos signature decline fee netspend - icpartners.it PDF Netspend All-Access Account by MetaBank Deposit Account Agreement FEE All other trademarks and service marks belong to their owners. [6]You love earning cash back rewards[7]from select retailers. He can also choose to receive his money straight to his bank account instead of the card. Per check load. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. What does mean by this transaction ? hSO0W#^I#Jm-]SmF~1 He has to make that option known to his GM and he/she can change it. Questions such as what is POS fee and how many of them are there are essential, but they shouldnt stop you from improving your business. Fee for processing returned or rejected inbound Bank Transfers (see Move Money to and from your Card Account above). Can my bank cancel a pending transaction? No overdraft/credit feature. Charged in addition to any applicable Purchase Transaction Fee or OTC Withdrawal Fee. HlV]53ndb5Xds'@#%kUz\KX+i{>//vVR7k=}'n:r9~|gEKn.3v8Q/k.[]>,}/O? No Fee: $9.95 per month: $5.00 per month: Signature Purchase Transaction Fee*** $1.50 each: Included in Plan : . What is a POS debit transaction fee? - ProfoundQa HVK8@Q(szoh'~ipT_q0,9|_vfOt#^pq]hk} s~v0~qtZ0l?3&]+i!dL\[f^^ /mnoxUvBxn. Per inquiry. Decline Fee Domestic $0 You may be charged a fee by the ATM operator. $1.00 BALANCE INQUIRIES (PER INQUIRY) . Per inquiry. The Reduced Monthly Plan is an available Plan option for Card Accounts that receive at least $500 in Direct Deposit(s) of payroll checks or government benefits in any one (1) calendar month. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. Not only is it embarrassing, but you run the risk of your bank charging you fees. Name the major nerves that serve the following body areas? It doesnt require you to use a merchant account or to pay any monthly costs. Consumer Financial Protection Bureau. A POS decline fee occurs when you do not have the funds available in your account to pay for the transaction at hand. Press J to jump to the feed. Card Delivery Fee - 7-10 Business Day Delivery $0 No fee. Direct Deposit Fee $0.00 Balance Inquiry Fee - OAC, Mobile App, Email, or Text Message $0.00 Standard text message or data rates may apply. Coupon valid for 365 days . The fees listed below are associated with all Plan Fee options. In accordance with applicable law, we provide a repository of all Netspend-managed Prepaid Account Agreements offered to the general public at the link below.