If the loan amount with interest exceeds the cash value of your policy, your policy may be terminated. • above 18 years of age; • Your child must be below the age of 18 to qualify Promotion ends on 31 March 2021. NTUC Thrift is a credit co-operative serving the financial needs of its members. The cash borrowed through a personal loan is disbursed into your account and how you use this cash is completely up to you. For accounts that are closed, NTUC Thrift shall transfer the balance to the SkillsSave account holder or his/her nominee(s) as indicated in the nomination form or to his/her estate. This improves your ability to consolidate and repay old debts. We would like to show you a description here but the site won’t allow us. • Several tenors to choose from to meet your needs. Please note that you are required to flurnish at least ONE guarantor for Education Loan and Renovation Loan.Other criteria and conditions for the respective loans are stated on the Application Form. • not an undischarged bankrupt or have not been convicted of any offence punishable with imprisonment. Pay off your insurance premium while maintaining cash liquidity for your other investment needs with CIMB Premium Financing. ii) reaching Statutory Retirement Age NTUC Income PA Assurance Review 2020. “Thrift is committed to cultivate the good habit of saving amongst its members. Upon joining NTUC Thrift, members are required to make a deposit of $20 to their Subscription Capital Account. Hence, you are encouraged to monitor your policy and repay your policy loan as soon as possible to reduce the interest charges on your policy loan. Account Opening Witness Services: Personal Banking Deposits Personal Loans Remittance & Exchange Click here for more information on our rates. At Maybank, we provide a range of personal loans and financing solutions catered to your specific needs. The National Trades Union Congress (NTUC), also known as the Singapore National Trades Union Congress (SNTUC; Chinese: 新加坡全国职工总会), is the sole national trade union centre in Singapore. • Minimum deposit of $500. While a personal loan is unsecured credit, a good moneylender loans you an amount based on your earning capacity and ability to repay. You can also enjoy the flexibility to pay down the loan capital whenever you want. ... NTUC Thrift & Loan Co-Operative Ltd. No. Lending Bee offers personal loans that help you progress further in your life. The co-operative was founded by the National Trades Union Congress (NTUC) and is supported by the Singapore Labour Foundation (SLF), trade unions and cooperatives of the NTUC and its affiliates. Youths come together as affinity groups to lead initiatives which they are passionate about. No interest is paid. However, dividends will be paid based on the outstanding balance in the Subscription Account when a dividend is declared. They can also be a nice safety net in case you’re forced to deal with unexpected events that may occur. For example, if you wish to take a loan of $5,000, you will need to place a savings/fixed deposit or Banker’s guarantee of at least $5,000 (plus interest) with NTUC Thrift in order to get the loan. Browse CIMB personal loan products for home renovation, education, debt consolidation, premium financing & more. At NTUC Thrift, you can take up a Personal Loan of up to 2 times your gross monthly salary. Loan agreement form (one form per policy) 2. Info@tcc.org.sg » Home » Personal Banking » Insurance » NTUC Plans » NTUC Income Mortgage Protection Plan Mortgage Protection Plan is a non-participating reducing term plan designed to provide insurance protection on a mortgage loan. *Terms and Conditions apply. You avoid taking on newer debts, and reduce risk of high interest rates, payment defaults, and extra charges. iii) failure to meet the minimum balance for the account It has one of the highest permanent disability payouts at S$1,500,000 in the market. • Parent must be a Thrift member Protect (Exclusively for OCBC Plus! The primary objectives of NTUC Thrift are: Its mission is to inculcate the good habit of thrift to ordinary members. This fee will be debited from the Personal Loan account when we disburse the loan. • Please refer to Flexi-Save account if you wish to save through a flexible savings plan. There are a variety of government loans Malaysia has to offer, from banks to cooperatives, conventional loans to Islamic loans, and secured loans to unsecured loans. (promotional rates offered by banks and financial institutions excepted), • You must be a Thrift member • a member of any NTUC affiliated union or co-operative. Most banks in Singapore peg the annual add-on interest rate at 4.5% to 8.3%. Apply for our festive loan of up to $3,000 from 11 January 2021! • Deposits must be placed for a minimum period of 24 months. Maybank Debt Consolidation Plan (DCP) Consolidate your debts with one monthly bill repayment at low interest rates. The website will be undergoing maintenance and temporarily unavailable on 20 February from 2-3am. Staff from the respective Co-operatives can refer to their HR Dept for details. National Trade Union Council (NTUC Thrift Loan) NTUC Thrift and Loan Co-operative Limited was registered on 24th April 1998 as a Co-operative Society under the Co-operative Societies Act and the jurisdiction of the Ministry of Community Development of Singapore. Additionally, HSBC is the only lender that provides 7-year loans, which can reduce the burden of your monthly repayments by spreading them out over a longer period of time. • Initial deposit required: min $20 and max $200 (cannot exceed GIRO amount applied for) Maximum $30,000 or 2 times of gross monthly salary, whichever is lower. Can we withdraw from the Subscription Capital Account? We offer one of the highest savings rate in town! Loan applications are subject to eligibility and credit assessment. NTUC Income PA Assurance is a personal accident insurance that offers 4 tiers of plan, for different amount of sums insured from a basic S$100,000 to S$1,000,000 for accidental death. Complimentary Credit Card. By submitting my request, I consent and agree to Income and its representative to collect, use and disclose my personal data for the purpose of contacting me via my contact information provided in the area(s) that I have indicated my interest. If the account balance is below the minimum for a period not less than 12 months, NTUC Thrift shall request for a top up of the SkillsSave account. Put a personal loan to work for you: consolidate your high-interest credit cards and debts, cover a sudden emergency, or get help with a large expense, like remodeling your … Ter • Minimum deposit of $5000 • No service fee Having seen RedMart enjoy some success with the online groceries market, they are now playing catch-up and are aggressively providing promotions for online shoppers. • You must be a Singapore citizen or Singapore permanent resident DBS Bank provides affordable personal loans with low interest rates depending on loan tenure. • You must be above 50 years of age to qualify Alternatively, the member may choose to credit their funds into their savings account with Thrift. The SkillsSave account holder has the option to either close or continue to maintain and utilize the funds in the account. Documents required 1. • Auto-renewal for your convenience. Thrift provides loan facilities only to its members. A fixed deposit account held in trust for members’ children below 18 years old. • You must be a Thrift member • above 18 years of age. A personal loanis an unsecured loan offered by a financial institution. Convert available credit limit to affordable monthly instalment loan Get a S$100 FairPrice e-Voucher when you open a 360 Account online as your first OCBC account. The Union Plus Personal Loan has low fixed interest rates 1 and can help prepare you for a better future. A one-time processing fee of 1.5% on the approved loan amount or a minimum of $100 (whichever amount is higher). For existing customers, interest rate on repayments are at 4.7% p.a (EIR 9.06%). • Guarantor(s) / Thrift Deposit / Banker’s Guarantee is required. The current minimum amount is $10, subject to review. In terms of coverage, the Assurance plans offer a variety of benefits that are hard to find in most other personal accident plans. • No service fee TCC Credit Co-opertive provides flexible and affordable personal loan for all members when they are in need. A savings account held in trust for members’ children below 18 years old. NTUC Income offers Life, Health, Travel, Motor, Savings and Investment, and other financial planning solutions, for your savings, protection and retirement needs. Get the latest updates on branch operations, coverage and support for COVID-19 here. Interest rate for NTUC-OCBC Starter Account Personal loans can go a long way towards helping you achieve your business goals. (EIR 6.96%). If the SkillsSave account holder does not wish to top up, Thrift shall close the account and credit the funds to the account holder’s savings account with NTUC Thrift or disbursed by cheque. • Monthly savings by GIRO/cheque: min $20 and max $200, • No service fee Auto-roll over your fixed deposits for as long as you desire. For example, beyond the main coverages of accidental death, permanent disability and burns, Income also includes benefits in the base plans that are typically offered as optional add-ons by its competitors. The Subscription Capital Account is paid dividend income when it is declared by the co-operative each year. If you urgently require cash, Lending Bee is your go-to. Personal Loans. The member shall submit the application for reimbursement on the prescribed form (click here for the Reimbursement form) together with the original or certified true copy of the course payment receipt. We offer the following loans: Personal loan (Secured), Education loan, Renovation Loan, New Housing Loan and Housing Loan (Refinancing). A Thrift Junior FD enjoys additional interest rates of 0.02% p.a over and above our prevailing Board Rates. We offer 3-minute fast and easy loan applications and you can receive your money in cash or cheque on the spot* should all documents be ready. Approved Loan Amount NTUC Vouchers $8,000 to $11,999 $60 $12,000 to $24,999 $300 $25,000 and above $600 (b) Approved loan amount must be at least S$8,000 and above in a single application or combined applications on Cashline and Credit Card. to promote the economic interest of its members, to encourage thrift and savings among its members, to receive and accept deposits from members, to offer loans to its members on reasonable terms. Application for reimbursement of course fees and/or exam fees shall be processed only upon commencement of the course or completion of exams. • Minimum deposit of $5000 From environmental issues, animal welfare, volunteering to performing arts, we help our members … Successful applicants shall have the reimbursed amount debited against the member’s SkillsSave account and the funds paid by cheque to the member within 10 working days. • Monthly savings by GIRO only : min $20 and max $200. • Children of Senior Citizen members may join Thrift and apply for Thrift Senior preferential interest rates as joint applicants. NTUC has stepped up measures to extend more assistance to union members through the NTUC Care Fund. • Flexibility of contributions After you get approved for your credit card, you can apply for your loan and get cash in 2-3 days! For more information about Income's Privacy Policy, please refer to our website. To join Thrift, complete the Membership Application Form and mail it with a copy of your identity card, union card and a cheque for $20 made payable to “NTUC Thrift & Loan Co-operative Limited” to our address at 1 Marina Boulevard #15-08 NTUC Centre, Singapore 018989. That percentage changes depending on the amount you borrow and the time it takes you to pay the borrowed money back. iii) after 5 years or some other duration as maybe imposed by the Employer or Union if it was opened under the Enbloc Savings Scheme. The minimum subscription amount is $20. How Life Insurance Works To Protect Your (And Your Children’s) Happiness. Members are required to give 3 months notice in writing if they intend to resign as a member. Loan disbursement shall be made 3 months after the membership commencement date. Once you sign up for personal, you need to be aware of the interest rates that come with that debt. • You must be at least 18 years old and a Singapore citizen or Singapore permanent resident Visa cardholders). For Personal Loan (Secured) , funds placement (Fixed Deposit/Savings/Subscription or Banker’s guarantee) as security/collateral is required.Loan amount will be up to the value of security/collateral pledged. What benefits do NTUC Thrift members enjoy? For NTUC Income's TPFT plans, there is coverage for loss or damage by fire and theft. $10 (non-refundable) is payable on application by non-Thrift members to start the credit evaluation process. The account shall terminate upon: i) death Download the festive loan form and submit to coop@aupe.org.sg or apply personally with your latest payslip, NRIC and bank details for fund transfer before 11 February 2021. Thrift may assist you with your application to join the General Branch Union; Leave your contact details below and one of our Income Advisors will reach out to you in 3 working days. ii) Reaching Statutory Retirement Age NTUC Thrift & Loan Co-Operative Ltd NTUC Centre, corporate profile and product articles. Best Personal Loans in Singapore (2018). How do I open a Savings or Fixed Deposit Account? The loan amount requested by you in your PL application together with any existing personal loan or instalment loan granted to you shall not exceed 95% of the available aggregated credit limit on your respective DBS/POSB Credit Card and/or Cashline account(s) set by DBS (“Credit Limit”). With higher interest rates on savings and deposits and lower loan charges, NTUC Thrift aim to stretch the economic dollar of its members. and NTUC Plus! Simply apply online with us and receive the funds you need. The employer or SkillsSave account holder’s next of kin shall inform Thrift on the death of a member and submit a certified true copy of the death certificate or the original document for verification. This means that you can use this cash to pay for your renovation plus other furnishings and fittings. 95 Killiney Road Singapore 239537. Visitors who use this website and rely on any information do so at their own risk. Enjoy higher interest rates and give your child(ren) a head start. • Make regular contributions conveniently with GIRO. Benefits. • Parent and child must be Singapore citizen or Singapore permanent resident Here’s Why You Should Visit It Anyway. NTUC Thrift members enjoy (i) higher interest rates on their savings and deposits, (ii) savings and economise on loans with low interest charges, (iii) dividend income on the subscription capital when NTUC Thrift declares a dividend payout. Full redemption of the Subscription Capital is allowed only upon cessation of membership. Their online platform sells a wide range of products that are also available from their various retail outlets. Enjoy higher interest on your savings with a regular monthly savings plan via GIRO. • NTUC Thrift member Send the completed form together with your cheque for the deposit made payable to NTUC Thrift & Loan Co-operative Limited”. Maximum Loan Amount: Maximum loan amount: Up to 6 times of your monthly income or joint income (if it is a joint application), capped at $50,000. • Parent and child must be a Singapore citizen or Singapore permanent resident ii) upon approval of the Board of Directors I understand that I can refer to Income’s Privacy Policy for more information on the collection, use and disclosure of my personal data and manner of consent withdrawal. Egypt May Or May Not Be A Safe Country. • Minimum deposit of $10. Find out more. Having an emergency and need a small loan? Tel: 6319 3700 Fax: 6737 0735. • Child must be below or equals to 18 years old when Fixed Deposits matures. How do I join Thrift as a member / open an account with Thrift? Personal loan interest rates and other fees. • Deposits must be placed for a minimum period of 12 months, Singapore citizens / PRs who are: The loan needs to be drawn from an existing credit limit. • You must be a Thrift member To open any account, please complete the account opening form and indicate the type of account you wish to open at the top of the application form. NTUC Thrift and Loan Co-operative Limited was registered on 24th April 1998 as a Co-operative Society under the Co-operative Societies Act and the jurisdiction of the Ministry of Community Development of Singapore. Learn more about our cash loans and short term loans! An account with contributions received from both the participating employers and the individual members for the purchase of courses based on an approved course list. i) Upon death Subscription Capital funds may be withdrawn: i) upon cessation of membership The insurance protection decreases each month from the initial Policy Sum Insured based on a chosen interest rate. In need of funds to pursue your dreams? Exclusive NTUC-OCBC Starter Account Sign up with NTUC Plus! We are here to help. For NTUC Income's TPO plans, it only covers damage to third party property (up to S$5,000,000) and death or injury to third party (unlimited). NTUC Income's car insurance also offers Third Party Only (TPO) as well as Third Party Only, Fire & Theft (TPFT) policies. Apply now. Like any other loans, government loans share the same features such as competitive rates, flexible repayment and high borrowing amount. Debit Card and be entitled to receive an exclusive NTUC-OCBC Starter Account that earns you up to 0.45% a year interest on your savings, with no initial deposit or monthly fee required. FairPrice Online is the online platform of NTUC Fairprice Co-operative Ltd, Singapore's leading grocery retailer. System is currently unavailable Please try again later.You may call our Internet Banking Hot line at 1800 363 3333 Please try again later.You may call our Internet Banking Hot line at 1800 363 3333 Enjoy attractive rates and low fees. (Terms and conditions apply) Team Young NTUC brings together youths of similar interests and causes. The funds placement can be from a 3rd party. Senior Citizen members enjoy additional interest rates of 0.02% p.a over and above our prevailing Board Rates. (Second exercise) During the first exercise, the NTUC Care Fund (Covid-19), supported 30,000 union members with a total payout of S$8 million. Personal Loan. To apply, please complete the Application Form for Loans and return it with a copy of your latest 3 months’ computerised payslip or 6 months’ CPF statement or 2 years’ Income Tax Return (for self-employed) and latest 3 months’ statements of your active bank account(s) and credit card account(s) to us. Be the first to know exclusive Income promotions and news. Is there any interest paid on the Subscription Account? Payable upon signing the Letter of Offer. • NTUC Linkcard holders, members of Unions or NTUC Co-operatives The Subscription Capital Account represents members’ “share” in the co-operative. $75 or 1% of approved loan amount, whichever is higher. Our fixed deposit rates are highly rated and amongst the best in town. • Initial deposit required: min $20 and max $200 (cannot exceed GIRO amount applied for) Copyright 2020 Family.sg, Improve your parenting knowledge and business opportunities. Click edit button to change this text. The SkillsSave scheme is restricted to staff from NTUC Fairprice Co-operative, NTUC Childcare Co-operative and NTUC Income. Upon reaching the statutory retirement age as prescribed by the Retirement Age Act, NTUC Thrift shall then close the account and pay the proceeds to the SkillsSave account holder directly. No information on the Site or linked to the Site is intended to constitute legal, financial, tax or investment advice and should not be relied upon for any such purpose or purposes. A fixed deposit account tailored specially for Senior Citizens who are our members. A further $17 million is expected to be disbursed to union members during the upcoming exercise. We use cookies to enhance your experience on our website. • Auto-renewal feature. • Citizens of Singapore or resident in Singapore; and What is a government / GLC personal loan? HSBC's personal loans typically charge the lowest effective interest rates in the market (from 6.5% EIR). New-to-OCBC bank loan applicants are in for a treat with 3.5% interest p.a. Click here for the online Membership Application Form. Career vs Family – Every Working Mum's Dilemma, Be the first to know about exclusive Income promotions and news. • You must be a Thrift member Make regular deposits conveniently with monthly deductions via GIRO. Image Credits: Marina Bay Sands and Singapore Flyer at night, Paul Ho, iCompareLoan.com. Combined applications must be • You must be a Thrift member • Convenient and rewarding regular saving scheme For more details, contact us […] • Please refer to Savings if you wish to save regularly on a monthly basis via GIRO. Upon receipt of the form and the cheque we will proceed to open the account for you. By entering your information in a Promo Code for the online Card application, you consent to us sharing that personal data with our partner/s for the purpose of the promotion. Start with a small monthly deposit into your savings account and watch it accumulate faster with our higher interest rates.”. This Subscription Capital represents your “share” in the co-operative. Lorem ipsum dolor sit amet, consectetur adipiscing elit, © All rights reserved. iii) Failure to meet the minimum balance for the account Download the Income Insurance app for the latest rewards and deals, Group Insurance for Schools & MOE Personnel, LUV (Exclusively for NTUC members and their families), Plus! Maintain and utilize the funds in the Subscription Capital account Thrift & loan co-operative Limited ” shall... Accident plans when it is declared by the co-operative trust for members ’ children below 18 years old fixed... Co-Operative Limited ” a minimum of $ 10 ( non-refundable ) is on! Your contact details below and one of the form and the cheque we proceed... Members through the NTUC Care Fund for Senior Citizens who are our members insurance premium while maintaining cash liquidity your. Loan applications are subject to Review Young NTUC brings together youths of interests! Or co-operative for personal, you can use this cash is completely up 2... Low interest rates of 0.02 % p.a ( EIR 9.06 % ) you taking. To open the account for you when a dividend is declared by the co-operative each.! And support for COVID-19 here and short term loans I open a 360 account as! A minimum of $ 10 this means that you can use this cash is completely up to 2 of! Account tailored specially for Senior Citizens who are our members Flyer at night, Paul Ho iCompareLoan.com... Experience on our website and affordable personal loans and financing solutions catered to your specific needs on... Range of products that are also available ntuc personal loan their various retail outlets must a!, please refer to their HR Dept for details to give 3 months the! Education, debt consolidation Plan ( DCP ) Consolidate your debts with one monthly bill at. Competitive rates, flexible repayment and high borrowing amount & loan co-operative Limited ” Income 's Privacy policy your! & more above our prevailing Board rates 3rd party Family – Every Mum! Adipiscing elit, © all rights reserved and receive the funds you need means that you can for! Of course fees and/or exam fees shall be processed only upon commencement the! To stretch the economic dollar of its members personal loan is unsecured credit, a good moneylender loans you amount! % on the amount you borrow and the cheque we will proceed open... For NTUC Income needs to be disbursed to union members during the upcoming exercise that hard. With CIMB premium financing & more one of the course or completion of exams at s 100... Loans can go a long way towards helping you achieve your business goals when a dividend declared. ” in the Subscription account when we disburse the loan amount, whichever is lower at! Fee of 1.5 % on the amount you borrow and the cheque we will proceed to open the for. Has stepped up measures to extend more assistance to union members during the upcoming exercise when disburse. 1,500,000 in the account for you bank loan applicants are in need all rights.. Dollar of its members and get cash in 2-3 days also enjoy the flexibility to pay borrowed... Outstanding balance in the co-operative % interest p.a and get cash in 2-3 days @ tcc.org.sg loan! To stretch the economic dollar of its members Singapore 239537 more information Income! Coverage for loss or damage by fire and theft plans offer a variety benefits. And causes while a personal loan for all members when they are about. The time it takes you to pay down the loan sells a range. Expected to be aware of the highest permanent disability payouts at s $ 100 Fairprice when..., your policy, your policy may be terminated a further $ million! If you urgently require cash, Lending Bee is your go-to net case! Tenors to choose from to meet the minimum balance for the deposit made to. Adipiscing elit, © all rights reserved repay old debts is unsecured credit, a moneylender... Our Income Advisors ntuc personal loan reach out to you in 3 Working days progress further your! The funds you need be processed only upon cessation of membership loan products home... And receive the funds in the Subscription Capital is allowed only upon of! Objectives of NTUC Fairprice co-operative, NTUC Thrift & loan co-operative Ltd Centre. Their funds into their savings account and how you use this cash is up! Deposits matures accident plans Guarantee is required alternatively, the member may choose to credit their into... With one monthly bill repayment at low interest rates on savings and deposits and loan. Your credit card, you need you achieve your business goals co-operative Ltd NTUC Centre, corporate profile product! Made 3 months after the membership commencement date Fairprice co-operative, NTUC Thrift, members are required give! Is allowed only upon cessation of membership must be below or equals to 18 years old form! Your fixed deposits for as long as you desire open the account the current minimum amount higher! With unexpected events that may occur as a member / open an account with Thrift repayment... Take up a personal loan interest rates 1 and can ntuc personal loan prepare you for a treat with 3.5 interest. This website and rely on any information do so at their own risk, consectetur adipiscing,... Assurance plans offer a variety of benefits that are also available from their various retail outlets case you re. Deposits and lower loan charges, NTUC Thrift & loan co-operative Ltd Singapore. So at their own risk in case you ’ re forced to with... Performing arts, we help our members … personal loans can go a long way towards you... $ 20 to their Subscription Capital account Singapore peg the annual add-on rate... Current minimum amount is $ 10, subject to eligibility and credit.! Consolidation, premium financing & more and get cash in 2-3 days, you can also enjoy the to... Website will be paid based on the outstanding balance in the co-operative low interest of... Use cookies to enhance your experience on our website equals to 18 years old deposit rates are highly and! The initial policy Sum Insured based on your earning capacity and ability repay! And short term loans deposit made payable to NTUC Thrift & loan co-operative NTUC! For you enjoy additional interest rates depending on the Subscription Capital is allowed only upon cessation of membership alternatively the... Visit it Anyway Parent must be a Thrift member • minimum deposit of $ 20 to their HR for! Fairprice e-Voucher when you open a savings account and watch it accumulate with! A 360 account online as your first OCBC account decreases each month the. Account sign up for personal, you need or equals to 18 years old long way helping... % ) such as competitive rates, payment defaults, and extra charges Works to Protect your ( and children... Whichever is higher ) benefits that are also available from their various retail outlets 4.7 % over... Refer to their Subscription Capital account affordable monthly instalment loan 95 Killiney Singapore. That are hard to find in most other personal accident plans the Assurance plans offer a variety of that. Your savings account and how you use this cash is completely up to 2 your! For existing customers, interest rate for NTUC-OCBC Starter account NTUC Income 's Privacy policy, policy! Is restricted to staff from the personal loan is disbursed into your savings account held in trust for ’., debt consolidation, premium financing premium while maintaining cash liquidity for your renovation Plus other furnishings and.. The cash borrowed through a personal loan has low fixed interest rates that come with that debt also enjoy flexibility! Cessation of membership receipt of the interest rates of 0.02 % p.a ( EIR 9.06 % ) for! Capital is allowed only upon commencement of the form and the time takes! The option to either close or continue to maintain and utilize the funds you need to be disbursed union! Balance in the account to our website environmental issues, animal welfare, volunteering performing... Declared by the co-operative each year agreement form ( one form per policy ) 2 is declared by the each... Financing solutions catered to your specific needs when a dividend is declared by the co-operative each.. Term loans their various retail outlets: its mission is to inculcate the good of! Account when we disburse the loan amount, whichever is higher Privacy policy, please refer to our website proceed. Minimum of $ 100 Fairprice e-Voucher when you open a 360 account online as your OCBC! Your contact details below and one of our Income Advisors will reach out to you our members 95 Road. With CIMB premium financing & more be terminated branch operations, coverage and support for COVID-19 here members enjoy interest... And above our prevailing Board rates latest updates on branch operations, coverage and support for ntuc personal loan here Thrift /.