4 million subscribers, has joined the business as a shareholder and partner, marking a major step in making account to account payments to go-to way the creator economy, streamers and side-hustlers pay and get paid. 99. In fact, no fees, when you use VibePay. By using the app our student members are able to get the deals they deserve. Yes, Zoom class action settlement payment emails are real. VibePay | 2,077 followers on LinkedIn. Top 15 similar sites to VibePay. I Would 100% Recommend All FiveM Server Owners Or People In General To Purchase Off Vibes Games & Vibe Games Only , Had A Little Issue Was Resolved In No Time !! Date of experience: April 01, 2023. Fast, direct-to-bank paymentsToday, founder and CEO Luke Massie joins Fintech Insider News, to discuss all things VibePay, as well as the day’s hottest and most pressing issues in the…vibePay Welcome to our comprehensive review of vibePay. In accordance with Google Safe Browsing and Symantec vibepay. VibePay, a UK-based payments platform, announced this week the launch of its new VibePay Business dashboard. Vibecozy has a rating of 1. We are working hard to outline how consumers can make the best of a better. 5% or $3. #3. VibePay | 2,106 followers on LinkedIn. Vikram ‘Vikkstar’ Singh Barn, a member of KSI’s Sidemen and YouTuber with nearly 7. Get started in 2 mins. 1,000 members of the Vibe Community have. Better, and easier to use than ever. 16 stars from 19 reviews, indicating that most customers are generally dissatisfied with their purchases. Again and again. MS. Building a simpler, smarter way for businesses and individuals to pay and GetPaid | Building a simpler, smarter way for businesses and individuals to pay and GetPaid VibePay is a new payment and data platform built offering instant A2A payments to people and businesses helping them avoid traditional payment. If you're not following us on Twitter, Instagram and Facebook then you are very much. . 2,129 followers. It’s designed for Gen Zers who earn money through social channels or platforms like Depop. No sort codes, no account numbers, no… VibePay. The traditional wedding of two popular movie producers Chinneylove and Kewve was a beautiful ceremony. Get the app. Drop #001. 1 VibePay (“VibePay”) is a social payments app that enables registered users (“Users”) to communicate directly, in real-time via an in-built chat messaging programme. VibePay | 2,067 followers on LinkedIn. Free website reputation checker tool lets you scan a website with multiple website reputation/blocklist services to check if the website is safe and legit or malicious. You check out their privacy policy here which help to keep your data safe. In 2021 VibePay took legal action against Klarna’s plans to launch its Vibe rewards programme here in the UK, which eventually resulted in the buy now pay later giant dropping the brand name. As a woman I used Adult Friend Finder for a year and a half. co. Payments. VibePay is a simple and fast way to make money from home. Our Verdict: Bank Mobile Vibe is highly recommended company, but beware of poor customer service. No live chat function. Acces to the app: only to sites that pay: surprisingly, Y Combinator led all firms in rounds led or co-led — with 208 — following its big Demo Day extravaganza. VibePay has designed a user experience that enables its users to bypass this context switching. Refreshed Onboarding Experience We’ve renewed the user experience for newbies, meaning the vibes are even better when you set sail on the. Massie is a member of the Forbes 30 under 30 class of 2018. Download VibePay - Get Paid and enjoy it on your iPhone, iPad and iPod touch. Nick Drinckwaard. Growing fintech VibePay has announced that Vikram “Vikkstar” Barn, Sidemen member and YouTuber with 7. 00 and the site claimed the coupon didn't apply. arrow_forward. It is in this context that we made up our minds to go through the customer reviews. VibePay. - ANY BANK Easily request and receive money from any UK bank. As always super fast delivery and good product. In 2013, with help from Sir Richard Branson, he launched his first company, VibeTickets, an online, no-fee ticket marketplace. ru is legit and reliable. The team have been busy building. Our Verdict: Bank Mobile Vibe is highly recommended company, but beware of poor customer service. Keep up the good work. Overall Rating 3. Will Clarke posted images on LinkedInOur team have been working round the clock, as we embark on the run-up to VibePay’s biggest leap yet. This is the same as the other essays. It’s safe, secure, and convenient and you can start earning immediately. 🌟 NEW!Check facialsraleigh. Are the courses suitable for beginners?3. VibePay is bank agnostic, which means that you can keep all of your money in one place, regardless of who. VibePay is bank agnostic, so you can view all of your bank accounts and transactions in one handy place. A legitimate charity will welcome your donation whenever you choose to make it. According to Tranco this site has a low rank. We have based this rating on the data we were able to collect about the site on the Internet such as the country in which the website is hosted, if an SSL certificate is used and reviews found on other websites. A couple of weeks ago we had the pleasure of working with Boohoo. Date of experience: November 10, 2023. e. It's safe and completely eliminates things like card holder not present fraud. Its the only key site I trust. VibePay | 2,129 من المتابعين على LinkedIn. VibePay | 2,203 followers on LinkedIn. Career & Education. VibePay helps you move your money at your request, to whoever you chose. Frustratingly, however, not all banks support open banking, yet. VibePay | 2,075 followers on LinkedIn. Building a simpler, smarter way for businesses and individuals to pay and GetPaid | Building a simpler, smarter way for businesses and individuals to pay and GetPaid VibePay is a new payment and data platform built offering instant A2A payments to people and businesses helping them avoid traditional payment. Fraud platform VibePay is used by scammers to extract money from your account and pay it into bogus bank accounts. 4 percent of fraud reports submitted to the BBB Scam Tracker in 2018, and about 24 percent of students reported a loss when exposed to a scam, compared with only about 28. 2 boasts a shiny new user interface, across the whole app. VibePay is the social way to plan and pay, making it easier for friends to split the cost of concert tickets, presents, holidays, dinners, etc. ago. account for free How do I pay somone? Pick a contact, set an amount, add an optional comment and pick your payment bank. VibePay was just an idea once… 💡 It’s already a powerful tool that supports instant, fee-free bank to bank payments, with a vibrant and supportive community at its. No sort codes, no account numbers, no…Read reviews, compare customer ratings, see screenshots and learn more about VibePay - Get Paid. When you ask for your money back, they ask you to send pics and then reply saying that the items are correct and they won't give you your money back. There’s plenty to get excited about! We are nearing ever closer to the launch of VibePay+, our first subscription plan for users who need to supercharge their side-hustles and change the game in their channels. Supercharge your side hustles ⚡️. Verity. On the official Zoom Settlement website, this situation is explained as follows: “If you received an email from noreply@epiqpay. The vendor accused me of being a "competitor" by requesting refund for a bad key, and G2A is okay with that kind of customer insult. VibePay | 在领英上有 2,181 位关注者。Building a simpler, smarter way for businesses and individuals to pay and GetPaid | Building a simpler, smarter way for businesses and individuals to pay and GetPaid VibePay is a new payment and data platform built offering instant A2A payments to people and businesses helping them avoid traditional payment. Luke Massie, CEO of VibePay, writes for Payment Expert on the potential long term ramifications of the ruling in the case between Apple and Epic Games and what it could mean for the marketplace. Building a simpler, smarter way for businesses and individuals to pay and GetPaid | Building a simpler, smarter way for businesses and individuals to pay and GetPaid VibePay is a new payment and data platform built offering instant A2A payments to people and businesses helping them avoid traditional payment. The app shares data with third parties and doesn’t offer encryption. We’re in the final stages of polishing plus this week, ahead of its release. S. You can trust that you are getting the real product ordered and not some knockoff. There are multiple ways you can get a code: MAIL: Look out for the mailed envelope. It is cheaper and says it offers full replays. How does All About Vibe work?2. Accepted at participating merchants nationwide. Second Century Ventures came in next with 13, followed by Gaingels and gener8tor Oklahoma City Investment Accelerator. This happens every time, it's how #OpenBanking works. VibePay is on a mission to make easy, instant, account to account payments – without the need for cards or wallets – the default way to pay and get paid amongst friends, with businesses and at checkout. ng previously reported that a mother-in-law had taught her oyinbo daughter-in-law how to front-carry her child. Employees' input is sought and valued, and the work is usually highly. We. No waiting for funds. co. 0. Luke Massie/VibePay. Com Coupon Code: Vibepay. As always super fast delivery and good product. Questions are answered quickly. The fintech – which launched last October – has also integrated with a host of new banks, including Starling, Capital One and Tesco. This helps you keep track of your spending, so that you can. Online services fees. In 2021, popular video conferencing platform Zoom reached a settlement in a class action lawsuit over alleged privacy and security issues. B&H Always the best. Got friends or a business you buy from, already on VibePay? You can now find and pay them in seconds in the app, no links required. Colleagues are approachable, intelligent, and friendly. So yeah, it's probably just "bad value for your money" and "takes forever to arrive". 📈 As a key player in our Senior. However, the management goes above-and beyond to make it an enjoyable. Any questions please let us know as we're always happy to help! paid without the fuss, or the fees. Finally, a new feature lets you Jumble monetary values. 🏆 VibePay Proudly Secures Spot in BusinessCloud's FinTech 50 for 2023 📈 VibePay, a pioneering force in financial technology, is honoured to announce its…Softonic review. What's coming: Find, follow and connect with your friends on VibePayVibePay’s Post VibePay 2,194 followers 1h Report this post We're on mission. com. The company's application offers direct-to-bank payments, instant account-to-account payments with customers, viewing transactions, and accessing financial data, enabling users to transact. Check the online reputation of a website to better detect potentially malicious and scam websites. Frequently asked questions What is VibePay? Why should I use VibePay? Is it safe to transfer money through VibePay? What’s the difference between VibePay and a normal. Help & Support @VibePay. Fast, direct-to-bank paymentsIn some Blue Vibe CBD Gummies reviews, it has been mentioned that Blue Vibe CBD Gummies deliver positive results within a matter of days. The music mogul, prolific producer, award-winning songwriter and rap artist gets his flowers. VibePay+ could save your business or side hustle a fortune in the money you lose to card processing. Verified account Protected Tweets @; Suggested usersAre you considering purchasing a Vibe Kayak but not sure if it’s a legitimate brand? Let’s dive into the details and determine if Vibe Kayaks is a legit company. com, it is because you were determined to be eligible for a payment in a class action settlement. Advertisement. VibePay is seeking a dynamic and experienced Social Media Manager to be the driving force behind our social media presence. Couldn’t quite believe it when people on Twitter were telling me last week that they had thier bank accounts linked to VibePay for three years now! What a…VibePay | 2,109 followers on LinkedIn. VibePay, a UK social payments fintech, has launched a business account offering. VibePay is built on Open Banking which gives you. 19 is here and brings with it some important improvements. Need advice? Report scams Check Scamadviser!Blue Vibe CBD Gummies is a product that can change your sex life for the better. Based on this, Justuseapp Legitimacy Score for Vibe Pay Is 46. by Polly Jean Harrison September 16, 2021. Do you agree with VibePay's TrustScore? Voice your opinion today and hear what 8 customers have already said. Check vibeadvisor. VibePay | 2,219 followers on LinkedIn. com with our free review tool and find out if facialsraleigh. 5m followers, has become a ‘part-owner’ of VibePay. VibePay | 2,111 followers on LinkedIn. The review of paintvibe. The marketing teams ability to create and distrbute high. If you change your mind, you can find archived channels by using the filter under "Channels" and move them back. VibePay Careers. We have also added functionality to archive channels that you are not interested in. Create a legit account up front, validate your identity to verify the account, and they'll have your back if you run into trouble. - CREATE PAYMENT LINKS Generate secure payment links and get paid any amount, anywhere. November 17, 2021. Enter direct payments and requests. For others, particularly those facing redundancy. Blue Vibe CBD Reviews [Scam OR Legit] OFFICIAL™ Price Ingredients Pros Cons & How Does Blue Vibe CBD Work? September 23, 2023 by Jacek Kaczmarek. He is. At Vibe, we endorse the recommendations made here by the Open Finance Association, and wanted to share them with you. To help you avoid. 115 pengikut di LinkedIn. VibePay is powered by Open Banking and enables secure direct-from-bank payments. Now once you open up the app for the first time, you will collect a 2000 welcome coin bonus. Is the site safe, legit and trustworthy? Worried about the security of VibePay? well they are regulated by the Financial Conduct Authority so have to follow a set of rules. We look at where the website is hosted, where the domain was. Now once you open up the app for the first time, you will collect a 2000 welcome coin bonus. Vibecozy has a rating of 1. By effectively communicating the benefits of a payment ecosystem built on Open Banking via engaging and relevant. Friends, family and colleagues of the love birds showed up to celebrate with them, mostly in coordinated outfits called aso-ebi. Niche has specific scholarships for high school students. Our Verdict: Bankmobile Vibe is highly recommended company, but beware of poor customer service. This is a common scam which can take many different forms. Get the app. VibePay is building a new payment and data ecosystem directly on Open Banking, which offers an alternative to the traditional card and wallet rails. To understand why this matters, it’s crucial to remember how VibePay works, and what makes us different from other payment apps that you might’ve. No sort codes, no account numbers, no… As a result, only 0% of 102 complaints are resolved. You see these get banned by Microsoft and Steam on a regular basis. VibePay's ascent to the FinTech 50 shortlist is a testament to the transformative potential of its services in an ever-evolving financial world. This is important for those students who might not have regular work and have student loans to understand. Capital One class action settlement payment emails sent from EpiqPay are legitimate, according to the Capital One data breach class action settlement website. It’s how you know you’re in safe hands with us 🔐 2019-2020: Linked bank accounts. 4 million subscribers, has joined the business as a shareholder and partner. Building a simpler, smarter way for businesses and individuals to pay and GetPaid | Building a simpler, smarter way for businesses and individuals to pay and GetPaid VibePay is a new payment and data platform built offering instant A2A payments to people and businesses helping them avoid traditional payment. It is used in the department of Human resource and has automated applicant tracking and hiring process, which has made it quick and easy. VibePay | 2,130 followers on LinkedIn. 99 a month to maintain your account — but BankMobile will waive the fee each billing cycle where you have qualifying deposits of $300 or more. The first thing you should be reassured of is that, as ever, VibePay does not, and will not ever interfere with your money. This is a huge perk as many flexible positions you may find on the internet are scams. - CREATE PAYMENT LINKS Generate secure payment links and get paid any amount, anywhere. VibePay is used by scammers to extract money from your account and pay it into bogus bank accounts. Huh, here's what I see on aliexpress. A thank-you for a donation you don’t recall making. 5/5 - (31 votes) There are about 100 different cannabinoids found in the cannabis sativa plant (CBD). Of course anyone can say anything on the Internet, regardless of whether it's true or not. It’s like Facebook, it was made first to build an audience, then they worked out how to commercialise it. - CREATE PAYMENT LINKS Generate secure payment links and get paid any amount, anywhere. 1 14%. We also have terms and conditions, a privacy policy and obviously an amazing app. is is very likely not a scam but legit and reliable. The fake stamps are easier to print. 5m. com a relatively high score. 21. No fees. 211 følgere på LinkedIn. Our talented tech team who build and run our technology here at VibePay is growing, find out who's joined us below. If you’re interested in working here, check out our careers area. Higher than average APY. The work that we undertake in uncovering bugs etc in the meantime means that we’re able to make these big changes in an efficient way. No fees. Listen, people like weird things and some of it can’t be explained. VibePay were one of around 300 payment companies in receipt of this letter, which reinforced the need for stringent and robust controls to protect consumers, and their money. VibePay 2,141 followers 3d Report this post Elon Musk is endeavouring to transform the world’s town square. BankMobile offers no online customer service in real time, which is unusual for an online bank. Monthly service fees. Will Clarke Marketing Executive for VibePay. FlexJobs offers a number of filtering options so you can refine your search. Less than a year after VibePay CEO and founder Luke Massie defended his fintech’s brand against Klarna, now Massie is on the defensive once again, this time against $8bn Japanese conglomerate Rakuten. No live chat function. All rights reserved. VibePay is bank agnostic, which means that you can keep all of your money in one place, regardless of who. No fees. 53) Free Cash App. Back. Read 3 more reviews about B&H Photo-Video. If you're not following us on Twitter, Instagram and Facebook then you are very much. Level-up your e-wallet and rewards experience with VYBE! VYBE is your one-stop lifestyle app that makes your everyday digital banking more rewarding. No nonsense. Meanwhile, Legit. VibePay clearly does this as our app makes it easy for people and businesses to pay and get paid - a financial service. You can cast your vote…VibePay | 2. A2A payments built on open banking benefit from instant settlement, and low fees. Let's get into Tom's movie highlights . Thanks to Open Banking, we are able to do this quickly, with less hassle by not requiring sort codes and account numbers, and with better visibility. However, some forms may slip through the cracks. Get paid, see all your money & power your passion with VibePay! Share payment links and get paid directly into your bank account. 1. We have based this rating on the data we were able to collect about the site on the Internet such as the country in which the website is hosted, if an SSL certificate is used and reviews found on other websites. Get paid by anyone. Do not buy from them - HUGE SCAM -They sell one thing and you get a… They sell one thing and you get a completely different one. It’s how you know you’re in safe hands with us 🔐 2019-2020: Linked bank accounts. Emails about an upcoming settlement payment from the Zoom class action lawsuit are legitimate. How much is it? £9. VibePay | 2151 obserwujących na LinkedIn. Get paid, see all your money & power your passion with VibePay! Share payment links and get paid directly into your bank account. Service is also as always super. The global voice-based payments market size was valued at USD 5. Your barber, your childminder, your favourite streamer all deserve better. 99, whichever is higher. 📊 Easy Money Tracking: VibePay is bank agnostic, meaning that whoever you bank with, all of your money sits neatly in one place. Y. Luke Massie/VibePay. What is open banking? Open banking is enabling a world of innovative apps and services tailored to users’ financial data. Verified account Protected Tweets @; Suggested users Verified accountThe best creators are entering new spaces. Users are reminded that this will nullify any protections offered by eBay. It’s safe, secure, and convenient and you can start earning immediately. Typically, it takes 1 – 2 business days for the receiving bank to credit the money to your account. Mar 13. Apr 9, 2022. Market research is a huge industry ($44. 🛡️ Safer Payments: VibePay powers safe and secure transactions. VibePay is a handy mobile app that allows you to make and accept payments easily with no fees, and without having to give out your bank details. Do you agree with VibePay's TrustScore? Voice your opinion today and hear what 8 customers have already said. No nonsense. This happens every time, it's how #OpenBanking works. This is important for those students who might not have regular work and have student loans to understand. VibePay | 2,149 من المتابعين على LinkedIn. The ideal candidate is a creative marketer with a deep understanding of social media platforms, trends, and best practices. Vibecozy ranks 86th among General Apparel sites. Brand Overview. While using the online payment system, you should have the following items handy: Traffic ticket number. vibecapfund. Our products are competitively priced and sourced directly from the publishers and authorized distributors. That's why we have an easy, everything included monthly charge. Since launching in September 2019, VibePay now boasts 10,000+ users. We’ve thought long and hard about what makes lives easier for senders and receivers, and we believe we’ve found a. Building a simpler, smarter way for businesses and individuals to pay and GetPaid | Building a simpler, smarter way for businesses and individuals to pay and GetPaid VibePay is a new payment and data platform built offering instant A2A payments to people and businesses helping them avoid traditional payment. In introducing both peer-to-peer and broadcast messaging, VibePay has made significant progress towards realising our super-app ambitions. - ANY BANK Easily request and receive money from any UK bank. VibePay’s Post VibePay 2,158 followers 3mo Report this post VibePay+ is live! ⚡️ 💬💸 App Store:. That’s why we also believe in a community-led focus on getting paid, without fees, fuss or delay. Explore these sites like VibePay and find what you've been searching for!. 2 9%. From messaging and customer insights to product discoverability, we’re building the social. Sadly, a lot of people do fall for these get-rich-quick scams. The owner of the website is using a service to hide their identity on WHOIS. Icon Shop. Vibepay. Affordable monthly payments. G2A doesn't provide warranty for fake sales and won't issue a refund. As the Social Media Manager, you will be responsible for crafting and executing social media. I’m writing to you having spent a morning testing VibePay+ alongside the rest of our team. Click “Refresh” button for SSL Information at the Safety Information section. To ensure this, we document. If you are refused your money back, you can complain to the Ombudsman. Channels to contact All About Vibe. As X enters the payments space, we ask, would you. It’s designed for Gen Zers who earn money through social channels or platforms like Depop. VibePay is bank agnostic, which means that you can keep all of your money in one place, regardless of who. VibePay | 2,071 followers on LinkedIn. VibePay is bank agnostic, which means that you can keep all of your money in one place, regardless of who. app! In this detailed analysis, we delve into various crucial aspects of the website that demand your attention, such as website safety, trustworthiness, child safety measures, traffic rank, similar websites, server location, WHOIS data, and more. VibePay offers a very creative working environment with a lot of freedom to pursue ideas. No nonsense. Building a simpler, smarter way for businesses and individuals to pay and GetPaid | Building a simpler, smarter way for businesses and individuals to pay and GetPaid VibePay is a new payment and data platform built offering instant A2A payments to people and businesses helping them avoid traditional payment rails which come with high fees and delays. We have already discussed the claims made by the manufacturer of Blue Vibe CBD Gummies and they are that the supplement is 100% natural, offers multiple benefits, does. Monthly service fees. com of 67%. it is legit and reliable. That’s like leaving your house doors open! It can expose your data, leaving you vulnerable to all sorts of online threats. Players can find everything they want and need in the casino. As a business with a top-tier social media strategy, it’s no wonder that VibePay has taken the next step to team up with one of the biggest creators in the UK. 19 is here and brings with it some important improvements. They will be offering paid services in future and potentially look at ad revenue in future to sustain the business model. New members that join the platform will get a 50£ sign-up bonus. VibePay | 2,110 followers on LinkedIn. That means no transactions will be made from the account without the user’s consent. Should merit serious attention from the police. Link all your bank accounts in seconds & get on top of exactly what’s going on with your money. No sort codes, no account numbers, no online wallets - get paid into your bank account. We also have terms and conditions, a privacy policy and obviously an amazing app. Building a simpler, smarter way for businesses and individuals to pay and GetPaid | Building a simpler, smarter way for businesses and individuals to pay and GetPaid VibePay is a new payment and data platform built offering instant A2A payments to people and businesses helping them avoid traditional payment. Building a simpler, smarter way for businesses and individuals to pay and GetPaid | Building a simpler, smarter way for businesses and individuals to pay and GetPaid VibePay is a new payment and data platform built offering instant A2A payments to people and businesses helping them avoid traditional payment. Building a simpler, smarter way for businesses and individuals to pay and GetPaid | Building a simpler, smarter way for businesses and individuals to pay and GetPaid VibePay is a new payment and data platform built offering instant A2A payments to people and businesses helping them avoid traditional payment rails which come with high fees and delays. With VibePay, payments are just part of an experience that seamlessly connects customers with the businesses they love. Need advice? Report scams Check Scamadviser! Generate secure payment links and get paid any amount, anywhere. Luke Massie talks about Open Banking, how VibePay is doing and what’s coming next for VibePay's payment and data ecosystem. com. 99. According to VibePay, the dashboard will enable small-medium businesses to activate. I. Overview. Your earnings will likely be a few cents a day, and payouts are generally made once you earn a. Ex29_E-T42SjFiUZc4Efwig3GFcJ2H_L4krx7JVFJus. Say it where you pay (and get paid). November 17, 2021. Why do schools refund money? Schools refund money to students who have funds leftover from financial aid awards, loans, or grants. 1. No nonsense. Switching between them is a piece of cake 🍰VibePay. - CREATE PAYMENT LINKS Generate secure payment links and get paid any amount, anywhere. About this app. Channels already make getting paid more chatty, and by adding read receipts, alongside recently introduced reactions, we’re confident that we’re transforming your money talk into a friendlier and more familiar experience. Staying safe and avoiding scams with VibePay 👏. Com Today Best Deals & Sales. 1. Building a simpler, smarter way for businesses and individuals to pay and GetPaid | Building a simpler, smarter way for businesses and individuals to pay and GetPaid VibePay is a new payment and data platform built offering instant A2A payments to people and businesses helping them avoid traditional payment. Com Coupon Code: Vibepay. That's why we have an easy, everything included monthly charge. Undergraduate, Graduate, and Community College students are also awarded $500. 99/month. Headquarters Regions Europe, Middle East, and Africa (EMEA) Founded Date Jan 1, 2017. Employees' input is sought and valued, and the work is usually highly collaborative. After looking at nflhdrDOTcom, I decided to pay for this one since it's only $50 for the year and I wanted to be able to replay games if I can't watch live. VibePay, a UK social payments fintech, has launched a business account offering. Making a payment through the P2P transfer app is designed to be simple; users will simply need to link their bank account or use the money they have on the VibePay app. Global cashless payments will rise by 80% between 2020 and 2025, nearly tripling by the end of 2030, predicts a PWC analysis. 50%, which is higher than the national average interest rate on savings accounts. Service is also as always super. Keep up the good work. 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