An overdraft offers you instant credit that is added to your bank account. Avo Auto makes it easy for car dealers to create the online virtual showroom now essential to boosting vehicle sales. 60% Complete. We’re upgrading to MiGoals! Find pricing guides for your discontinued Nedbank Savvy Plus, Savvy Bundle and Pay-as-you-use bank account here. A personal loan that keeps on giving. The account has a monthly account fee of R220. • Savvy Bundle Simply look for your product on the list to Youth the left and click to view a summary of. 6 Face-to-face card delivery is free on Platinum, Savvy and Professional Bundle credit cards. You agree that to the following: 2. Rates and fees. Savvy Bundle R220 per month. You can apply at any of these stores for a loan to cover the goods you need. Nedbank Ltd Reg No 1951/000009/06. At Nedbank, we offer you lifestyle banking that suits your needs and preferences. Monthly. Call our Nedbank Contact Centre tollfree on 0800 555 111 (24/7). Close Search. You need to maintain an investment with a R300,000 average monthly balance. Close Search. Did you know that if you take out a personal loan and open a Nedbank Savvy Plus or Savvy Bundle Account, you can get R200 a month cash back for the duration of your loan? For an affordable loan tailored to your circumstances and value-added extras like cash back, choose the bank that’s best for your money. Stay on top of your credit card rates and fees. Savvy Bundle clients will automatically be moved to a MiGoals Premium account in 2024. It makes sense to use the Amex card if you want to maximise your Greenbacks haul. 1. Savvy Plus R115 per month. Get total banking flexibility for a fixed monthly fee, including a platinum credit and cheque card, unlimited transactions, and other great. If you have R50,000 available, for example, try to use only R25,000. Private ONE fees 2023. Free for Savvy and Professional Bundle credit cards. Nedbank’s Savvy Bundle is probably the simplest of the retail banks, carrying a flat R192. You need to know the number of times you can access a lounge. Open your Nedbank Savvy Bundle account for a fixed fee of R169 pm. Savvy Plus and Optimum = MiGoals Plus Account. Free transfers, and payments on online banking and money app. loadingSavvy Bundle Account Application. 53 interest) R30. What is a Nedbank Savvy account, and how can I open one? The Savvy Bundle is a great way to save money. Name of account Savvy Bundle Savvy Plus ACCOUNTS ADD-ONS Optional value-add Optional value-add Optional value-add Greenbacks Rewards Credit card Overdraft Included Included Included KEY. Nedbank is committed to making its fee structures simple, transparent and easy to understand. This was more than 2 weeks ago. It has an overdraft facility, a platinum credit card, greenback rewards and more! The Nedbank Savvy Bundle gives you the most out of banking for a fixed monthly fee. Sandton, Johannesburg. But if you like, simply look out for the detail we'll send on ways to switch your account this year already. MiGoals Premium Account. To become a main-banked client, you must do the following: • Maintain your existing or open a new Nedbank Savvy Plus or Savvy Bundle Account and:In this first part of a two-part series, we comparing the various account offerings of South Africa’s leading banks. Top. But if you like, simply look out for the detail we'll send on ways to switch your account this year already. Zero charges on card swipes. The Nedbank Savvy Plus bank account is a gold cheque account with an R115. Get the credit card that gives you more rewards and benefits with a Nedbank Platinum Credit Card. You need to know the number of times you can access a lounge. Get Greenbacks Rewards, a Platinum Credit Card, overdraft and so much more. 2. For individuals with a yearly income of more than R1. co. You must have or will need to first open any of our qualifying bank accounts. $ 173. • Nedbank Greenbacks Rewards membership. Everyday banking Youth Seniors Savings and investments CONTENTS Savvy Bundle AccountEveryday banking / Savvy Bundle Account Out-of-bundle pay-as-you-use fees Choose a cheaper channel, save on bank fees Nedbank Online Banking /Money app SMS Banking(5) (*120*001#) ATM /Card Branch Cash withdrawals Participating retailer’s point-of-sale device(2. Register now. If it costs more than R300,000 (the maximum limit of a personal loan) you’ll need vehicle finance. 00 390. We’re upgrading to MiGoals! Find pricing guides for your discontinued Nedbank Savvy Plus, Savvy Bundle and Pay-as-you-use bank account here. Savvy Bundle = MiGoals Premium Account. Card Swiper is free for activated Greenbacks accounts on Optimum, Savvy Plus Gold, Savvy Bundle and Nedbank Professional Banking accounts – but for all other accounts it costs R24 per month. Card Swiper is free to customers with Optimum, Savvy Plus Gold, Savvy Bundle and Private Clients accounts, while other Nedbank customers pay a monthly fee of R25. 3. 26139 Nedbank Savvy Bundle Booklets A4_(20 NOV). This is important to avert inconveniences when traveling. These accounts will replace the following transactional accounts: Nedbank Pay-as-use Account (PAYU) = MiGoals Account. za. 50: Accounts targeted at higher-income customers have been excluded from this comparison as these have. Take care of emergencies or top up your monthly budget during those tight moments between paydays with up to R250,000, available whenever you need it. A chequebook on request. Nedgroup Private Wealth. Benefits include: A Nedbank platinum credit card (R0 monthly service fee). A Gold Credit card and overdraft on qualifying. The Nedbank Money App Lite NEDBANK SAVVY BUNDLE ACCOUNT Go to nedbank. The Nedbank Money App NEDBANK SAVVY BUNDLE ACCOUNT Download it from your app store. You can add more benefits when you need them such as an overdraft facility or the. 00 Per guest 210. Standard Bank Prestige Banking (Includes three cash deposits and R10 000. No 1951/000009/06. Close Search. These accounts will replace the following transactional accounts: Nedbank Pay-as-use Account (PAYU) = MiGoals Account. Qualifying investments: 32Day notice, Money Market, call, fixed or term investment. Visit our website to find out more about our lifestyle banking solutions. Did you know that if you take out MFC vehicle finance and open a Nedbank Savvy Plus or Savvy Bundle Account, you can get R200 a month cash back for the duration of your loan? For an affordable car loan tailored to your circumstances and value-added extras like cash back, choose the bank that’s best for your money. Nedbank overdraft. Accounts. Private One and Bundle Accounts. Nedbank/Amex - Rates (including VAT) Product Invoice (Partner Pays) Current Nedbank discount Non-Nedbank client rate Domestic Per passenger 210. Linked to this credit card account is the Nedbank Greenbacks Rewards Programme, offering you Greenbacks points on all eligible spend. Enter your monthly salary. Earn up to 9. - execute the Green economy strategic levers of agriculture,. Get total banking flexibility for a fixed monthly fee, including a platinum credit and cheque card, unlimited transactions, and other great benefits, including: an overdraft facility; Greenbacks membership; and. With the Nedbank Savvy Bundle account, you can expect the whole enchilada, a traditional account with all the bells and naturally all the whistles, access to credit, unlimited use and the convenience of a variety of channels to bank through. co. Call the MFC Contact Centered about 084 196 4473. Complete an online complaint form. Using other banks’ ATMs will costs you more. Nedbank offers personal loans from R2,000 up to R300,000. But if you like, simply look out for the detail we'll send on ways to switch your account this year already. . Monthly fee: R400 (2023). MiGoals Plus Account. Authorised financial services and registered credit provider (NCRCP16). Of note are the following new fees: On its two higher-end accounts (Savvy Bundle and Savvy Plus (i. Of the active accounts, only the Savvy Bundle account saw an increase to its monthly handling charge. Some cards have a set number of times one can access lounge services. Nedbank Savvy Bundle. 2. Did you know that if you take out MFC vehicle finance and open a. 00 Per guest 351. THE OFFER R1 000 cash to the first 100 participants who qualify during the promotional periods. Select your date of birth. 00 390. 5 Applicable to garage cards as well. Executive Head: Strategy & CSI. We are committed to making our fee structures simple, transparent and easy to understand. Savvy Bundle but no Bundle! I have a loan account with Nedbank and because I received good service and the Savvy Bundle account looked so appealing I decided to switch banks and applied online for this account. 00 monthly service fee. Among the Big Four, Nedbank’s Savvy Plus account is marginally cheaper than the others and is a contender with Capitec. The Platinum Bundle account has a fixed monthly service fee of N$395. mobi. 3. Standard Bank’s Prestige bundle will be 2% pricier from January, while Absa’s Premium Bundle and Nedbank’s Savvy Bundle are up 6% and 5%, respectively. With bundled transactions and more, the Nedbank Savvy Bundle Account offers good. For individuals with a yearly income of more than R1. Earn interest on a One account, or choose the Bundle with an optional overdraft facility or credit card. 2. If you are a Nedbank client, log in online or access the Money app on your phone and navigate to the Borrow section. 1 open a qualifying Nedbank Savvy Plus or Savvy Bundle Account (“account”) before the first home loan instalment due date and ensure the Client’s use of the account complies with the requirements below for the duration of the Client’s home loan; 2. 3. Savvy Plus and Optimum = MiGoals Plus Account. I provide my express consent to Nedbank to process my personal information as defined in legislation, including fingerprints, biometric personal identification details, photographs and identity verification in terms of the Financial Intelligence Centre. You can qualify for a personalised interest rate and repayment terms of 6 to 72 months, depending on your credit score. 2. Savvy Bundle. The Nedbank Savvy Bundle and the Standard Bank Professional accounts are slightly more expensive, with total costs of R267 and R265. Bank by bank. Nedbank Savvy Bundle (Includes monthly platinum credit card service fee and ATM cash deposits up to R5 000) R200. We’ll need information like your name, address, banking details. If you cut the term to 6 months, you’ll pay R1,650 in interest. WhatsApp Messenger terms and conditions. Savvy Bundle clients will automatically be moved to a MiGoals Premium account in 2024. For Savvy Bundle clients banking needs: +27 800 555 782 or +27102174294 (International Dialing). 71 interest) R65. Gold Account. 4 The Spouse must ensure that a minimum of R5,000 for Savvy products and R30,000 for Private Clients products or more is deposited into the Transactional Account. Get total banking flexibility for a fixed monthly fee, including a platinum credit and cheque card, unlimited transactions, and other great benefits, including: • an overdraft facility conveniently linked to your bank account;March 9, 2016 ·. Managed responsibly,. 5 million digital shoppers, and the Avo Auto platform (launched less than a year ago) already attracts a million views per month. Stay on top of your credit card rates and fees. Private Wealth Bundle; Goal saving. Avo Auto makes it easy for car dealers to create the online virtual showroom now essential to boosting vehicle sales. Schedule payments online or on the Money app | Nedbank. MiGoals Plus Account. Authorised financial services and registered credit provider (NCRCP16). Savvy Bundle R220 per month. A major benefit of securing finance for a private sale through MFC is that we will then ensure that neither buyer nor seller is cheated or defrauded. Choose an account bundle. Private ONE fees 2022. Rebates from 55 years. 18 for access to Greenbacks (it’s free on the Savvy Bundle account), and Standard charges R22. These accounts will replace the following transactional accounts: Nedbank Pay-as-use Account (PAYU) = MiGoals Account. Savvy Plus and Optimum = MiGoals Plus Account. short description. Savvy Bundle; Private Pay As You Use; Private One Bundle; Private Bundle; 4. If you’re a Nedbank client, you can qualify for an overdraft of up to R250 000. Qualifying accounts. Ask your banker to introduce you to a wealth advisor for your longer-term financial plan. The Savvy Plus is Nedbank's gold cheque account with four free withdrawals, unlimited free cash deposits, all at Nedbank ATMs. Some cards have a set number of times one can access lounge services. You can look for products, services, articles, how-to guides, terms and conditions. You can qualify for a personalised interest rate and repayment terms of 6 to 72 months, depending on your credit score. 52. 2017. With zero data usage, bank conveniently anytime, anywhere on. Nedbank Savvy Bundle Account. Nedbank ID single sign-on gives you full digital access to Nedbank’s banking and lifestyle products and services on the Money app or Online Banking. Savvy Bundle clients will automatically be moved to a MiGoals Premium account in 2024. Read more . You can search on products, services, items, how-to guides, policies etc. Query Type. Accounts. Savvy Plus and Optimum = MiGoals Plus Account. za. Nedbank Savvy Bundle Account Schedule of fees Effective from 1 April 2018 The bank reserves the right at its discretion to vary any fee, cost or charge at any time and from. za. If you need cash, withdraw it at participating retailers like Checkers, Pick n Pay and Spar. 00 (up 5. Your dedicated banker is well equipped to understand your and your family’s needs. Savvy Bundle Account R240 monthly maintenance fee (2) You get: • a Nedbank platinum credit card (R0 monthly service fee) • a monthly overdraft facility fee included • Nedbank Greenbacks membership included • domestic airport lounge access • free card swipes • free cash withdrawals at participating retailers' point-of-sale devices (1)2. These accounts will replace the following transactional accounts: Nedbank Pay-as-use Account (PAYU) = MiGoals Account. • Nedbank Current • Ke Yona Bundle Account • Transactor • R35,00Go Banking Savings and investments • Savings Deposit • Dezign Save • Market TraderBusiness December 5, 2016 | 8:18 am Home » Business. The Greenbacks reward program allows account holders to earn points on specific purchases and receive additional discounts. Register now. Tailored interest rates. 00. 00 234. 2. But if you like, simply look out for the detail we'll send on ways to switch your account this year already. Private Wealth Bundle; Goal saving. As a Nedbank cardholder, you can link your cheque and credit cards to one of the 4 Nedbank affinity programmes: the Children’s Affinity, the Green Affinity, the Sport Affinity or the Arts Affinity. 3. 5 Applicable to garage cards as well. Free transfers, and payments on online banking and money app. But if you like, simply look out for the detail we'll send on ways to switch your account this year already. loadingNedbank's fees have increased on average by at least 4% a year, apart from 2014 when fees went unchanged. 60, respectively. Card Swiper is free for activated Greenbacks accounts on Optimum, Savvy Plus Gold, Savvy Bundle and Nedbank Professional Banking accounts – but for all other accounts, it costs R24 per month. It’s cheaper and safer to swipe your card instead of using cash. Nedbank Savvy Bundle. Private Clients banking packages. . The Greenbacks reward program allows account holders to earn points on specific purchases and receive additional discounts. Find all Nedbank terms and conditions relating to our banking products, services, special offers and more on this page. 3 The Main member and Spouse’s qualifying transactional accounts must be in good standing. MiGoals Plus Account. Garage debit card Free. For Savvy Bundle clients banking needs: +27 800 555. Credit card pricing guides. A no-frills transparent account with zero monthly fees and a free gold cheque card. 2. Base rate for Discovery credit cards is prime + an amount, I think it differs by account level, and your Vitality Money level will then subtract some basis points to get an interest rate. 2 Restrictions. Select Personal Loan and follow the steps as it asks for your information. 6 Personal card delivery is free for the new Nedbank Gold Credit Card, Platinum Credit Cards, as well as the Savvy and Private Client Bundle Credit Cards. Nedbank Platinum R60,00 R30,00 R35,00 R25,00 Private Client Pay-as-you-use R90,00 R30,00 Free R25,00 Nedbank Mastercard Gold* R34,00 R21,00 R30,00 Not applicable. If you have a low credit score, this interest rate may be a little higher. You can apply at any of these stores for a loan to cover the goods you need. R190. Card Swiper. 2. Find a Nedbank Branch or ATM near you. Card Swiper is free for activated Greenbacks accounts on Optimum, Savvy Plus Gold, Savvy Bundle and Nedbank Professional Banking accounts – but for all other accounts, it costs R24 per month. Find pricing guides for your discontinued Nedbank Savvy Plus, Savvy Bundle and Pay-as-you-use bank account here. Section One Section Two Section Three Section One Label 1. Close Search. Nedbank Money is the only banking app with which you can pay wherever you see a Masterpass, Pay@, SnapScan or Zapper QR code,. Every time you use your Greenbacks Amex Credit Card, whether you have a gold or platinum account, you earn 4 Greenbacks for every R10 spent. Enter your ID number. Nedbank Savvy Bundle. The Savvy Bundle features unlimited free cash withdrawals, deposits and debit orders. MiGoals Plus Account. “After doing away with withdrawal fees for cash at retailers, Nedbank’s Savvy Plus account is competitive at this level this year for clients. Enter an email address. R64 monthly service fee. 60% Complete Get Started. Did you know that if you take out a personal loan and open a Nedbank Savvy Plus or Savvy Bundle Account,. Call us. Get unlimited swipe, ATM, mobile and internet banking transactions for an affordable, fixed monthly fee with the Nedbank Gold Account all for N$151. For example, while other banks put limits on withdrawals (only a certain number of free withdrawals, or up to a certain limit), Nedbank Savvy Bundle clients have all of them for. Nedbank ID single sign-on gives you full digital access to Nedbank’s banking and lifestyle products and services on the Money app or Online Banking. Whether you need a personal banker, a dedicated service team, or a convenient contact centre, we are here to help you achieve your financial goals. 6. The Nedbank Money App NEDBANK SAVVY BUNDLE ACCOUNT Download it from your app store. Instant credit. Savvy Plus and Optimum = MiGoals Plus Account. Accounts. 00 234. The MiGoals product suite includes the following transactional accounts: MiGoals Account. Get a transactional account for complete banking flexibility at a fixed monthly fee. For Savvy Bundle clients banking needs: +27 800 555 782 or +27102174294 (International Dialing) [email protected] Pricing Brochure. This account offers you a professional-banking experience that takes you further with access to offshore investment opportunities and more. Accounts. With zero data usage, bank conveniently anytime, anywhere on. Savvy Plus and Optimum = MiGoals Plus Account. Easy in-store access. The Nedbank Savvy Bundle Account is the top of the range Savvy account from Nedbank. 1. We’re upgrading to MiGoals! Find pricing guides for your discontinued Nedbank Savvy Plus, Savvy Bundle and Pay-as-you-use bank account here. 08 per month. Of note are the following new fees: On its two higher-end accounts (Savvy Bundle and Savvy Plus (i. If you need cash, withdraw it at participating retailers like Checkers, Pick n Pay and Spar. A monthly overdraft facility fee included. Rates and fees. 2: Get total banking flexibility for a fixed monthly fee, including a Platinum credit and cheque card. Accounts. 3 This includes banking at self-service terminals as well as with Nedbank Internet Banking, SMS Banking, Telephone Banking: Self-service, Telephone Banking: Agent-assisted and Cellphone Banking WAP. Nedbank ID single sign-on gives you full digital access to Nedbank’s banking and lifestyle products and services on the Money app or Online Banking. Fees (including VAT at 15%) Monthly fees R24,90 R10,60 R24,90 R11 Page 1 of 5 . Nedbank ID single sign-on gives you full digital access to Nedbank’s banking and lifestyle products and services on the Money app or Online Banking. Savvy Plus Gold: R115: R115: Savvy Bundle Platinum: R220: R220: Professional Bundle: R360: R360:. Private Pay-as-you-use. Savvy Bundle clients will automatically be moved to a MiGoals Premium account in 2024. Nedbank Savvy Bundle Account. Did you know that if you take out a personal loan and open a Nedbank Savvy Plus or Savvy Bundle Account, you can get R200 a month cash back forNedbank’s Savvy Platinum bundle is available for R220 per month. Did you know that if you take out MFC vehicle finance and open a Nedbank Savvy Plus or Savvy Bundle Account, you can get R200 a month cash back for the duration of your loan? For an affordable car loan tailored to your circumstances and value-added extras like cash back, choose the bank that’s best for your money. It offers you the flexibility you need with all the added benefits. Me Account; or. The Nedbank Savvy Bundle Account is the top of the range Savvy account from Nedbank. 6 Face-to-face card delivery is free on Platinum, Savvy and Professional Bundle credit cards. Call the MFC Contact Centre 24/7 on 084 196 4473. Use the Money app, Online Banking or our other self-service channels to benefit from free services. We will open a transactional (current or savings) account for you, with the type of account and styling to be indicated by you. Easy access to interest earned. Competition in this category has also increased, with the difference between the costliest and the cheapest package amounting to a difference of less than 10% of total costs. 4. To launch its Savvy Bundle offering, Nedbank has taken the creative concept of its latest advertising up a notch with messaging that resonates with consumers in a fun and quirky manner. 00. Savvy Bundle clients will automatically be moved to a MiGoals Premium account in 2024. If you’re a Nedbank client, you can qualify for an overdraft of up to R250 000. Savvy Bundle. 1. See rates and fees. 5 an Unlocked. You can qualify for a personalised interest rate and repayment terms of 6 to 72 months, depending on your credit score. Nedbank. With Card Swiper, you earn Greenbacks whenever you use your cheque or credit card to pay in-store or online, and you get 25c back per litre of fuel at BP. See available offers on the Nedbank Money. Get total banking flexibility for a fixed monthly fee, including a platinum credit and cheque card, unlimited transactions, and other great benefits, including: • an overdraft facility conveniently linked to your bank account; The Nedbank Savvy Bundle Account is a cheque account that requires a minimum income of R3,000. 00. Nedbank Savvy Bundle account fees for 2023. Nedbank. Nedbank ID single sign-on gives you full digital access to Nedbank’s banking and lifestyle products and services on the Money app or Online Banking. e. Nedbank Money is the only banking app with which you can pay wherever you see a Masterpass, Pay@, SnapScan or Zapper QR code,. Every time you transact, you will also support vital community development programmes. NEDBANK SAVVY BUNDLE ACCOUNT. How to qualify for a. A big advantage is that you can get an accurate. 40 monthly. Nedbank Personal Overdraft for Savvy Bundle account. Savvy Bundle Account R240 monthly maintenance fee (2) You get: • a Nedbank platinum credit card (R0 monthly service fee) • a monthly overdraft facility fee includedNedbank offers clients even more value in 2015 01 December 2014 Johannesburg, 25 November 2014 - Following on from no fee increases in. Find pricing guides for your discontinued Nedbank Savvy Plus, Savvy Bundle and Pay-as-you-use bank account here. ‘Platinum’ and ‘Gold’), Nedbank has introduced a R4 per transaction fuel purchase fee. 60% Complete. it was approved and that time I was banking with Capitec Bank,and one of Nedbank called me. Your feedback matters. MiGoals Plus Account. za. Did you know that if you take out MFC vehicle finance and open a Nedbank Savvy Plus or Savvy Bundle Account,. No 1951/000009/06. Based on an interest rate of 18%, your monthly repayment will be just over R1,350. Did you know that if you take out a personal loan and open a Nedbank Savvy Plus or Savvy Bundle Account, you can get R200 a month cash back for Nedbank’s Savvy Platinum bundle is available for R220 per month. The MiGoals product suite includes the following transactional accounts: MiGoals Account. It charges an interest rate of prime minus 9. Reasonable mileage ranges from 15,000 to 20,000km per year. A transactional account with a Zero monthly maintenance fee and a host of value-adds. Gold Account. That’s $1,560 in total. 2 You pay no initiation fee for Savvy and Professional Bundle credit cards. Save $1560 on this feature-packed bundle. Savvy Bundle Account R240 monthly maintenance fee (2) You get: • a Nedbank platinum credit card (R0 monthly service fee) • a monthly overdraft facility fee included • Nedbank Greenbacks membership included • domestic airport lounge access • free card swipes • free cash withdrawals at participating retailers' point-of-sale devices (1)Nedbank ID single sign-on gives you full digital access to Nedbank’s banking and lifestyle products and services on the Money app or Online Banking. Nedbank ID single sign-on gives you full digital access to Nedbank’s banking and lifestyle products and services on the Money app or Online Banking. Did you know that if you take out a personal loan and open a Nedbank Savvy Plus or Savvy Bundle Account, you can get R200 a month cash back for the duration of your loan? For an affordable loan tailored to your circumstances and value-added extras like cash back, choose the bank that’s best for your money. 60% Complete. 50) that allows clients to perform a host of transactions. Swipe at Nu Metro for all the action, suspense and romance. 50. The MiGoals product suite includes the following transactional accounts: MiGoals Account. 00When your nedbank savvy bundle account is finished, send it to recipients securely and gather eSignatures with pdfFiller. A secure and convenient way to manage your money, apply for accounts and loans, and even buy gift and prepaid vouchers. Account holders can enroll in the Greenbacks rewards program for a monthly fee of R25. Private One and Bundle Accounts. Find pricing guides for your discontinued Nedbank Savvy Plus, Savvy Bundle and Pay-as-you-use bank account here. Platinum Invest. The remaining banks all have charges between R100 and R110 per month. Domestic airport lounge access. See available offers on the Nedbank Money app or Online Banking. 60% Complete. 2 switch the Client’s salary to be paid into the account, alternatively, ensure. 2 You pay no initiation fee for Savvy and Professional Bundle credit cards. Easy access to interest earned. 50% off VIP and Xtreme Nu Metro cinemasPrivate Bundle. (Non-residents are welcome to apply at an additional monthly fee. Being stranded without your car is a major problem on top of the loan obligation. This is a crucial step. Monthly fee: R400 (2023). Editorial credit: Vytautas.