Maximise Interest Savings With CIMB Bank Balance Transfer!
Maximise interest savings withCIMB Bank Balance Transfer!Transfer your outstanding balances from your otherbank credit cards to your CIMB Bank credit card!PlanTenureFinance ChargeRate (p.a.)Minimum TransferAmountPlan A6 months5.99%RM1,000Plan B12 months7.99%RM1,000Notes: Minimum credit card balance to be transferred from other banksor card issuers to CIMB Bank per application per bank is RM1,000and total maximum balance transfer amount is subject to 80% ofthe total available credit limit. P lan A & B are applicable to all principal CIMB Bank Creditcardholders. After the expiry of the tenure specified in Plan A & B above,finance charges at the rate specified in the Cardholder Terms &Conditions shall apply. No bonus points/cash rebate will be awarded for balance transfertransactions under the CIMB Bank Balance Transfer Programme. CIMB Bank shall at its sole discretion approve the balance transferfor the amount applied for or such other lower amount or rejectthe application in its entirety. For full terms and conditions, please read the CIMB Bank BalanceTransfer Terms & Conditions.Complete the Balance Transfer application form and drop offyour application at your nearest CIMB Bank branch nationwide.BALANCE TRANSFEREvery littlesavings count.MOVING FORWARD WITH YOUTerms and Conditions apply.Connect with us onCIMBMalaysiaCIMBMalaysiaCIMB AssistsFor more information, log on to www.cimb.com.my,call 603 6204 7788 or visit any of our CIMB Bankbranches nationwide.CIMB BANK BERHAD 197201001799 (13491-P)
SMSA 0Applicable to allprincipal CIMB BankCredit cardholders063Branch CodeEmployee No.BALANCE TRANSFER APPLICATION FORMPERS ONAL D E TAILSName :CIMB Bank Credit Card No. :IC No. :Please ( ) Your Plan : c 5.99% (6 Months)c 7.99% (12 Months)Tel No. :Please transfer my outstanding balance according to the Plan I have chosen and as per the information stated below:No.BankCard No.Amount To Be Transferred (RM)1.2.3.TotalDECLARATION & AG R EEM ENTThis transfer is based solely on my/our instruction and has no implication on my/our relationship with my card issuer. I/We declarethat the information provided in this application form is true and accurate. I/We acknowledge and agree that CIMB Bank reservesthe right to approve or reject my/our application and determine the amount allowed to be transferred at its absolute discretion.I/We confirm having read, understood and retained a copy of the CIMB Bank Balance Transfer Terms and Conditions and agreeto be bound by them. I/We hereby confirm that a copy of relevant Product Disclosure Sheet was provided to me/us and the keycontract terms affecting my/our obligations have been adequately explained to me/us. I/We have read and understand the Termsand Conditions for the Balance Transfer applied for and will discuss further with the Bank staff if there are terms and conditions thatI/We do not understand before signing this form.Principal Applicant’s SignatureDate:V2022.0063.1.0
CIMB Bank Balance TransferTerms and Conditions as of 21 October 2022Balance Transfer Programme1.Outstanding Balance with the other financial institution in anyway the Bank deems fit.6.a) CIMB Bank Balance Transfer Programme (the “Programme”)is offered only to the principal Cardholders of CIMB BankBerhad [197201001799 (13491-P)] (the “Bank”) subject tothese terms and conditions and read together with theprevailing Cardholder Terms and Conditions.b) Words used in these terms and conditions, if not specificallydefined, shall have the same meaning as defined in theCardholder Terms and Conditions. Supplementary cards,Business Cards and CIMB Bank Islamic Cards, are not eligiblefor this Programme.2. The Programme allows the Bank’s principal cardholders(“Cardholders”) to use a portion of their available credit limitunder their CIMB Bank credit card accounts to pay off theoutstanding balance of their other bank’s credit card accounts(the “Outstanding Balance”) and repay the Bank the sum utilizedwithin the relevant period specified in the balance transfer plansselected by the Cardholders (“Tenure”).3.4.a) Cardholders can select balance transfer plans not exceedingtheir available credit limit, which are specified in the applicationforms or through telephone communication with the Bank.b) The Cardholder’s consent obtained via phone call will bedeemed conclusive proof of the Cardholder’s instructionto accept the Approved Balance upon these terms andconditions.c) The minimum Outstanding Balance to be transferred tothe Cardholders’ credit card account with CIMB Bank perapplication and per bank is Ringgit Malaysia One Thousand(RM1,000.00), and the maximum Outstanding Balance is 80%of Cardholders’ available credit limit.Notification5.b) The Bank shall not be liable for any interest on any overduepayment or any other finance charges or other chargesincurred by the Cardholder due to any failure or delay inpaying the Approved Balance to the other financial institution.Account7.a) A notification (Short Messaging Services (SMS) or any othermeans of notification which the Bank may select) will be sentto let the Cardholder know whether his application has beenapproved or declined.b) If the application has been approved, the Bank will pay theApproved Balance towards settlement of the Cardholder’sa) An additional account number will be assigned to theCardholder for the purpose of operating and administeringthe Approved Balance, and the Cardholder will receive aseparate statement with details of his Approved Balance.b) Even though the additional account number is assigned tothe Cardholder, the Approved Balance refinanced by the Bankis still deemed to be an amount incurred by the Cardholderunder his CIMB Bank credit card account(s) and shall betreated as part of the Cardholder’s credit card(s) outstandingamount.a) Applications for this Programme are subject to the Bank’sprior approval and these terms and conditions. The Bank mayapprove or reject any applications and decide on the amountof the Outstanding Balance allowed to be transferred (the“Approved Balance”) at its absolute discretion.b) Cardholders who are in breach of or who have breached theterms and conditions of their credit card accounts with otherfinancial institutions, or who have otherwise not conductedsuch other credit card accounts properly, shall not beapproved for this Programme.a) The Cardholder must continue to keep up his payments tothe other financial institution for monies owing to the otherfinancial institution in accordance with the terms of paymentof the other financial institution until the Bank has notifiedthe Cardholder that the Approved Balance has been paidto the other financial institution towards settlement of theCardholder’s Outstanding Balance with the other financialinstitution.8.a) The Cardholder must make the monthly minimum paymentof 5% of the outstanding amount or RM50.00, whichever ishigher.b) If the minimum payment is not paid by the due date eachmonth, a late payment charge of 1% on the total outstandingbalance as at statement date (subject to a minimum ofRM10.00 and a maximum of RM100.00) will be charged onthe next day after the due date for each month. Such latepayment charges are considered liquidated damages (not apenalty) and are payable before and after any court order orjudgment.9. After the expiry of the relevant period specified in the balancetransfer plans selected by the Cardholder where a preferentialrate of finance charges is chargeable, the Bank shall imposefinance charges on the Approved Balance of the Cardholder’scredit card at the rates stated in and in accordance with theseterms and conditions and the Cardholder Terms and Conditions.Finance charges of 1.5% per month or 18% per annum calculatedon a daily basis will be charged on any Approved Balance whichhas not been paid in full within the Tenure.No Bonus Points or Cash Rebates10. No bonus points or cash rebates will be granted in connectionwith this Programme.
Credit Limit17. Cardholders may contact the following:-11. The Approved Balance forms part of the total available credit limitfor all of the Cardholder’s Bank credit card account(s), includinghis Supplementary credit card account(s). The available credit limitof the Cardholder’s credit card account(s) will be reduced by theequivalent to the Approved Balance.Right to Amend, Malaysia Law and Cardholder Terms andConditions12. The Bank may vary (whether by adding to, deleting from orotherwise amending) (“Amendment”) any of these terms andconditions by giving the Cardholder at least twenty-one (21)calendar days’ notice before the Amendment is effective. Noticeof the Amendment may be given in the same way as notice ofamendments is given under the Cardholder Terms and Conditions.13. These terms and conditions shall be governed by and interpretedin accordance with the laws of Malaysia.14. These terms and conditions are in addition to and withoutprejudice to the terms and conditions stated in the CardholderTerms and Conditions. In the event of a conflict between theseterms and conditions and the Cardholder Terms and Conditions,these terms and conditions shall prevail in relation to thisProgramme.15. The Bank will not be liable if it is unable to carry out any of its dutiesunder these terms and conditions or relating to the Programmedue to any act of God, war, riot, strike, lockout, industrial action,fire, flood, drought, storm, technical or system failures or anyevent beyond the reasonable control of the Bank.16. For any assistance, Cardholders may contact the Bank at:Customer Resolution UnitAddress:Tel:Email:CIMB Bank BerhadCustomer Resolution Unit (CRU),P.O. Box 10338, GPO Kuala Lumpur,50710 Wilayah Persekutuan. 603 6204 7788cru@cimb.com(i). for redressAgensi Kaunseling dan Pengurusan Kredit (AKPK)Address :Tel:Website :Tingkat 5 dan 6,Menara Bumiputra Commerce,Jalan Raja Laut,50350 Kuala Lumpur. 603 2616 7766www.akpk.org.my(ii). for complaintBank Negara Malaysia LINK or TELELINKAddress :Tel:Fax:Email:Block D, Bank Negara Malaysia,Jalan Dato’ Onn,50480 Kuala Lumpur.1-300-88-5465 603 2174 1515bnmtelelink@bnm.gov.my
Maksimumkan penjimatan faedahdengan Pemindahan Baki CIMB Bank!Pindahkan baki daripada kad kredit bank lain andake kad kredit CIMB Bank!PelanTempohKadar CajKewangan (setahun)Pemindahan BakiMinimumPelan A6 bulan5.99%RM1,000Pelan B12 bulan7.99%RM1,000Nota: Pindahan minimum untuk permohonan pemindahan bakitertunggak dari bank atau pengeluar kad kredit lain ialah RM1,000untuk setiap permohonan untuk setiap institusi kewangan danamaun maksimum pemindahan baki adalah sehingga 80% daripadajumlah had kad kredit yang tersedia. Tawaran Pelan A & B sah untuk semua pemegang kad utamaCIMB Bank. Selepas tamat tempoh yang dinyatakan dalam Pelan A & B di atas,caj kewangan akan dikenakan seperti pada kadar yang dinyatakandalam Terma-terma & Syarat-syarat Pemegang Kad. Tiada mata bonus/rebat tunai akan diberikan bagi transaksipemindahan baki di bawah Program Pemindahan Baki CIMB Bank. CIMB Bank pada budi bicara mutlaknya meluluskan pemindahanbaki untuk jumlah yang dipohon atau apa-apa amaun lain yanglebih rendah atau menolak permohonan itu keseluruhannya. Untuk terma dan syarat yang lengkap, sila baca Terma-terma &Syarat-syarat Pemindahan Baki CIMB Bank.Lengkapkan borang permohonan Pemindahan Baki dan hantarpermohonan anda ke mana-mana cawangan CIMB Bank diseluruh negara yang berdekatan.PEMINDAHAN BAKISetiap penjimatanamat bermakna.MELANGKAH KE HADAPAN BERSAMATertakluk kepada terma dan syarat.Berhubunglah dengan kami diCIMBMalaysiaCIMBMalaysiaCIMB AssistsUntuk maklumat lanjut, layari www.cimb.com.my,hubungi 603 6204 7788 atau kunjungi mana-mana cawanganCIMB Bank di seluruh negara.CIMB BANK BERHAD 197201001799 (13491-P)
SMSA 0Layak untuk semuapemegang kad kreditutama CIMB Bank063Kod CawanganNo. PekerjaBORANG PERMOHONAN PEMINDAHAN BAKIMAK LUMAT PE RIBA D INama:No. Kad Kredit CIMB Bank:Sila ( ) Pelan Anda : c 5.99% (6 Bulan)c 7.99% (12 Bulan)No. KP :No. Tel :Sila pindahkan baki tertunggak saya mengikut Pelan yang telah dipilih di atas dan seperti maklumat yang dinyatakan di bawah:No.BankNo. KadAmaun untuk Dipindahkan (RM)1.2.3.JumlahPENGA KUAN & PE R J A NJ I A NPemindahan ini adalah berdasarkan semata-mata kepada arahan saya/kami dan tidak mempunyai implikasi hubungan saya/kami denganpengeluar kad saya. Saya/Kami mengaku bahawa maklumat yang diberikan dalam borang ini adalah benar dan tepat. Saya/Kami mengakuidan bersetuju bahawa CIMB Bank berhak untuk meluluskan atau menolak permohonan saya/kami dan menentukan jumlah yangdibenarkan untuk dipindahkan mengikut budi bicara mutlaknya. Saya/Kami mengesahkan telah membaca, memahami dan menyimpansalinan Terma dan Syarat Pemindahan Baki CIMB Bank dan bersetuju untuk terikat dengannya. Saya/Kami mengesahkan bahawa satusalinan Lembaran Penerangan Produk yang berkaitan telah diberikan kepada saya/kami dan syarat kontrak utama yang mempengaruhikewajipan saya/kami telah dijelaskan dengan secukupnya kepada saya/kami. Saya/Kami mengesahkan bahawa telah membaca danmemahami Terma dan Syarat Pemindahan Baki di dalam permohonan ini dan akan berbincang lebih lanjut dengan kakitangan Banksekiranya ada terma dan syarat yang saya/kami tidak fahami sebelum menandatangani permohonan ini.Tandatangan Pemohon Kad UtamaTarikh:V2022.0063.1.0
Pemindahan Baki CIMB BankTerma-Terma dan Syarat-Syarat setakat 21 Oktober 2022Program Pemindahan Baki1.a) Program Pemindahan Baki CIMB Bank (“Program”) hanyaditawarkan kepada Pemegang Kad utama CIMB Bank Berhad[197201001799 (13491-P)] (“Bank”) tertakluk kepada termadan syarat ini dan dibaca bersama dengan Terma dan SyaratPemegang Kad semasa.a) Pemegang Kad mesti kekal meneruskan pembayarannya kepadainstitusi kewangan lain untuk wang yang terhutang kepadainstitusi kewangan lain menurut terma-terma pembayaraninstitusi kewangan lain sehingga Bank memaklumkan kepadaPemegang Kad bahawa Baki Diluluskan telah dibayar kepadainstitusi kewangan lain untuk penyelesaian Baki TertunggakPemegang Kad dengan institusi kewangan lain.b) Perkataan-perkataan yang digunakan dalam terma dan syaratini, jika tidak ditakrifkan dengan khusus, hendaklah mempunyaierti yang sama seperti yang ditakrifkan dalam Terma danSyarat Pemegang Kad. Kad tambahan, Kad Perniagaan dan KadIslamic CIMB Bank adalah tidak layak untuk Program ini.b) Bank tidak akan bertanggungjawab ke atas sebarang faedahke atas pembayaran tertunggak atau sebarang caj kewanganlain atau caj-caj lain yang ditanggung oleh Pemegang Kaddisebabkan sebarang kegagalan atau kelewatan dalammembayar Baki Diluluskan kepada institusi kewangan lain.2. Program ini membenarkan pemegang kad utama Bank(“Pemegang Kad”) menggunakan sebahagian daripada had kredittersedia mereka di bawah akaun kad kredit CIMB Bank merekauntuk membayar baki tertunggak akaun kad kredit dengan banklain mereka (“Baki Tertunggak”) dan membayar balik kepadaBank jumlah yang digunakan dalam tempoh berkenaan yangditentukan dalam pelan-pelan pemindaan baki pilihan PemegangKad (“Tempoh”).3.a) Permohonan untuk Progam ini adalah tertakluk kepadakelulusan terdahulu Bank dan terma dan syarat ini. Bankboleh meluluskan atau menolak sebarang permohonan danmenentukan jumlah Baki Tertunggak yang dibenarkan untukdipindahkan (“Baki Diluluskan”) pada budi bicara mutlaknya.b) Pemegang Kad yang memungkiri atau telah memungkiri termadan syarat akaun kad kredit mereka dengan institusi-institusikewangan lain, atau sebaliknya tidak mengendalikan akaunakaun kad kredit lain tersebut dengan cara yang betul, tidakakan diluluskan untuk Program ini.4.Kad dengan institusi kewangan lain mengikut sebarang carayang Bank anggap sesuai.a) Pemegang Kad boleh memilih pelan-pelan pemindahan bakiyang tidak melebihi had kredit tersedia mereka yang ditentukandalam borang permohonan atau melalui komunikasi telefondengan Bank.b) Persetujuan Pemegang Kad yang diperolehi melalui panggilantelefon akan dianggap sebagai bukti konklusif mengenai arahanPemegang Kad untuk menerima Baki Diluluskan menurutterma dan syarat ini.c) Baki Tertunggak minimum untuk dipindahkan ke akaun kadkredit Pemegang Kad dengan CIMB Bank setiap permohonandan setiap bank adalah Ringgit Malaysia Satu Ribu (RM1,000.00),dan Baki Tertunggak maksimum adalah 80% daripada had kadkredit tersedia anda.6.Akaun7.a) Satu nombor akaun tambahan akan diberikan kepadaPemegang Kad untuk tujuan mengendali dan mentadbirBaki Diluluskan dan Pemegang Kad akan menerima penyataberasingan dengan butir-butir Baki Diluluskan beliau.b) Walaupun nombor akaun tambahan diberikan kepadaPemegang Kad, Baki Diluluskan yang dibiayai semula olehBank masih akan dianggap sebagai jumlah yang ditanggungoleh Pemegang Kad di bawah akaun kad kredit CIMB Bankbeliau dan akan dianggap sebagai sebahagian daripada jumlahtertunggak kad kredit Pemegang Kad.8.a) Pemegang Kad mesti membuat bayaran minimum bulanan5% daripada jumlah tertunggak atau RM50.00, yang manalebih tinggi.b) Jika bayaran minimum tidak dibayar sebelum tarikh matangsetiap bulan, caj bayaran lewat 1% ke atas keseluruhan bakitertunggak setakat tarikh penyata (tertakluk kepada minimumRM10.00 dan maksimum RM100.00) akan dikenakan pada hariseterusnya selepas tarikh matang setiap bulan. Caj bayaranlewat tersebut dianggap sebagai ganti rugi jumlah tertentu(bukannya penalti) dan harus dibayar sebelum dan selepasapa-apa perintah atau penghakiman mahkamah.9. Selepas tamat tempoh berkenaan yang ditentukan dalam pelanpemindahan baki pilihan Pemegang Kad di mana caj kewanganpada kadar keutamaan dikenakan, Bank akan mengenakan cajkewangan ke atas Baki Diluluskan kad kredit Pemegang Kad padakadar yang dinyatakan dan menurut terma dan syarat ini dan Termadan Syarat Pemegang Kad. Caj kewangan 1.5% sebulan atau 18%setahun dikira atas dasar harian akan dikenakan ke atas manamana Baki Diluluskan yang belum dibayar dengan sepenuhnyadalam Tempoh.PemberitahuanTiada Mata Bonus atau Rebat Tunai5.a) Suatu pemberitahuan (Sistem Pesanan Ringkas (SMS) atausebarang cara pemberitahuan lain yang boleh dipilih oleh Bank)akan dihantar untuk membolehkan Pemegang Kad sedar samaada permohonan beliau telah diluluskan atau ditolak.10. Tiada mata bonus atau rebat tunai akan diberikan berhubungandengan Program ini.b) Jika permohonan telah diluluskan, Bank akan membayar BakiDiluluskan untuk menyelesaikan Baki Tertunggak Pemegang11. Baki Diluluskan menjadi sebahagian daripada jumlah keseluruhanhad kredit tersedia untuk semua akaun kad kredit Bank PemegangHad Kredit
Kad, termasuk akaun kad kredit Tambahannya. Had kredit tersediaakaun kad kredit Pemegang Kad akan dikurangkan bersamaandengan Baki Diluluskan.Hak untuk Meminda, Undang-undang Malaysia dan TermaTerma dan Syarat-Syarat Pemegang Kad12. Bank boleh mengubah (sama ada menambah, memotong atausebaliknya meminda) (“Pindaan”) mana-mana terma dan syaratini dengan memberikan kepada Pemegang Kad notis sekurangkurangnya dua puluh satu (21) hari kalendar sebelum Pindaanberkuat kuasa. Notis Pindaan boleh diberi dengan cara yangsama seperti notis pindaan diberikan di bawah Terma dan SyaratPemegang Kad.13. Terma dan syarat ini hendaklah ditadbir dan ditafsirkan menurutundang-undang Malaysia.14. Terma dan syarat ini adalah tambahan kepada dan tidak prejudiskepada terma dan syarat yang dinyatakan di Terma dan SyaratPemegang Kad. Sekiranya terdapat percanggahan di antara termadan syarat ini dan Terma dan Syarat Pemegang Kad, terma dansyarat ini akan mengatasi yang lain berhubung dengan Program ini.15. Bank tidak akan bertanggungjawab jika ia tidak dapat melaksanakanmana-mana kewajipannya di bawah terma dan syarat ini atau yangberkaitan dengan Program disebabkan apa-apa bencana alam,peperangan, rusuhan, mogok, sekat masuk, tindakan perindustrian,kebakaran, banjir, kemarau, ribut, kegagalan teknikal atau sistematau sebarang peristiwa di luar kawalan munasabah Bank.16. Untuk sebarang bantuan, Pemegang Kad boleh hubungi Bank di:Unit Resolusi PelangganAlamat:Tel:Emel:CIMB Bank BerhadUnit Resolusi Pelanggan (CRU),Peti Surat 10338,Pejabat Pos Besar Kuala Lumpur,50710 Wilayah Persekutuan. 603 6204 7788cru@cimb.com17. Pemegang Kad boleh hubungi yang berikut:(i)untuk bantuanAgensi Kaunseling dan Pengurusan Kredit (AKPK)Alamat: Tingkat 5 dan 6, Menara Bumiputra Commerce,Jalan Raja Laut,50350 Kuala Lumpur.Tel: 603 2616 7766Laman web : www.akpk.org.my(ii) untuk aduanBank Negara Malaysia LINK atau TELELINKAlamat:Tel:Faks:Emel:Block D, Bank Negara Malaysia,Jalan Dato’ Onn,50480 Kuala Lumpur.1-300-88-5465 603 2174 1515bnmtelelink@bnm.gov.my
CIMB Bank Balance Transfer Terms and Conditions as of 9 March 2021 Balance Transfer Programme 1. a) CIMB Bank Balance Transfer Programme (the " Programme") is offered only to the principal Cardholders of CIMB Bank Berhad [197201001799 (13491-P)] (the "Bank") subject to these terms and conditions and read together with the
CIMB 0% Easy Pay Cash Back Campaign Terms and Conditions 1. CIMB 0% Easy Pay Cash Back Campaign ("Campaign") is jointly organized by CIMB Bank Berhad [Registration No: 197201001799 (13491-P)] ("CIMB Bank") and CIMB Islamic Bank Berhad [Registration No: 200401032872 (671380-H) ("CIMB Islamic").CIMB Bank and/or CIMB Islamic shall
CIMB BANK CIMB NIAGA CIMB INVESTMENT BANK CIMB THAI BANK CIMB ISLAMIC CIMB BANK PLC CIMB VIETNAM CIMB Bank* is the Group’s commercial bank in Malaysia with 259 branches across the country. It has subsidiaries in Thailand, Cambodia and Vietnam, as well as branches in Singapore, Philippines
CIMB - CIMB Investment Bank Berhad. CIMB Group - CIMB Group Sdn. Bhd. CIMB-Principal or the Manager - CIMB-Principal Asset Management Berhad. CIMB-Principal Fund CIS - - Any unit trust funds that may be offered by CIMB-Principal. Refers to collecti
70 ibraheem hammood mhana cimb 1500 71 imad mahmood ali cimb 50 72 imtithal ismael jaloot cimb 1000 73 intidhar jabir idan al-tharwani cimb 1500 74 iqbal khalaf erabee alhraishawi cimb 1500 . 103 muwafaq fadhil jaddoa al-dhaydan cimb 1500 104 nabe
I agree and consent that CIMB Bank Berhad (collectively “CIMB”) may collect, use, disclose and process my personal information provided by me to CIMB, for one or more of the purposes stated in CIMB’s Personal Data Protection Terms and Conditions, including the following purposes: a
(b) 1 copy of latest Bank Statement/Payslip/EA Form/Income Tax Return Form. IMPORTANT NOTES: 1. Please read the general terms and conditions of CIMB (“CIMB’s General Terms and Conditions”). 2. The application herein is subject to the approval of CIMB and CIMB reserves the right
CGS-CIMB’s General Terms and Conditions and Risk Disclosure Statement - Islamic Broking (“CGS-CIMB’s General Terms and Conditions”). 2. The application herein is subject to the approval of CGS-CIMB and CGS-CIMB reserves the right
measured by ASTM test method C 173 or C 231. Dimensions – Unless otherwise specified, the minimum length of each barrier section will be 10 feet. It is common for DOTs to ask for lengths of 20 feet or even 30 feet. ASTM C 825 Design Steel Reinforcement – Unless designated by the purchaser, reinforcement shall be designed by the producer and be sufficient to permit handling, delivery .
