DELTA BRAC HOUSING FINANCE CORPORATION LTD.

Transcription

1 DELTA BRAC HOUSING FINANCE CORPORATION LTD. INDIVIDUAL LOAN APPLICATION FORM Customer ID: Customer Name:

2 Delta Brac Housing Finance Corporation Limited (DBH) is a public limited company and a financial institution licensed by Bangladesh Bank. The Company is promoted and sponsored by: BRAC, Delta Life Insurance Company Limited and Green Delta Insurance Company Limited. Head Office: Uttara Branch Dhanmondi Branch Chittagong Branch Motijheel Branch Sylhet Branch

3 BROCHURE FOR HOME LOANS DBH provides Home Loan To purchase apartments or completed houses To extend or renovate existing houses To construct own houses To purchase housing plots in approved projects To purchase chamber/office for professionals What is the maximum amount of loan I can borrow? DBH provides Housing Loan up to maximum 70% of the total purchase price of the apartment, and up to 80% of the construction/extension cost of a house. How will DBH decide the loan amount I am eligible for? Subject to the maximum loan limit as mentioned above, your repayment capacity as assessed by DBH will determine the loan amount you can borrow. Repayment Capacity is determined by the factors such as your income, age, qualifications, number of dependants, spouse s income, assets, liabilities, stability and continuity of occupation, and savings history. While providing Housing Loan, DBH wants to ensure that you can comfortably and regularly repay the loan amount you borrow. When can I make an application for Home Loan? You can apply for Home Loan at DBH any time after you have decided to buy/construct/extend a House/Flat/Housing Plot, even if the property has not been selected or the construction has not been started. How do I make an application? Please complete the prescribed Application Form and submit it along with supporting documents. On receipt of the completed application form along with the processing fees, DBH will process your application, make such enquiries as it deems necessary and convey its decision to you at the earliest. What are the Fees payable and when are these payable? You have to pay Processing Fee at the time of loan application. This fee is in respect of cost incidental to the processing of the loan application. If the loan is not sanctioned for any reason except concealment or misrepresentation of facts, then the processing fees is refunded. But if the loan is sanctioned as requested, but you decide not to avail the loan, then processing fees will not be refunded. Upon successful sanction of the loan application, Documentation Fee is payable in respect of cost related to vetting of title of ownership of the property to be financed, preparing the legal documents, stamp duties, etc. Please contact any of the DBH offices for the Processing Fee and Documentation Fee currently applicable to avail the Home Loan. Please note that, payment of all fees must be made through A/C Payee cheques in favor of Delta Brac Housing Finance Corporation Ltd. Loan related fees are subject to 15% VAT. What is the maximum duration of the loan? You can take the loan for maximum 25 years, but it will normally not exceed your retirement age or 65 years of age. Who can be co-applicants? Joint owners of the property proposed to be mortgaged against loan from DBH will have to be co-applicants. However, your spouse needs to be the co-applicant to the loan, even if he/she is not the co-owner of the property. How do I repay the loan? You will repay DBH Home Loan on a regular monthly basis, through Equated Monthly Installments (EMI). EMI comprises of both interest and principal amount of the loan, and you will commence the payment of EMI from the month following the month in which you draw down the entire amount of loan. If you decide to draw down the loan in installments, then you will pay interest on the partly drawn loan amount, until the entire loan amount is drawn. This interest is called Pre-EMI (P-EMI) interest. Pre-EMI interest is payable every month from the date of each disbursement (i.e. cheque delivery date) up to the date of commencement of EMI. Pre-EMI interest is calculated at the same rate at which EMI is calculated. What is the rate of the interest that will be charged on my loan and what is the size of the EMI? Please contact at any of the DBH offices for the Interest Rates currently applicable for DBH Home Loan. Interest on DBH Home Loan is calculated using Reducing Balance Method on the diminishing balance of Principal Loan Amount. Is the rate of the interest fixed for the entire duration of the loan? We offer both adjustable and fixed rate home loan schemes. under Adjustable Rate Home Loan (ARHL) scheme, depending on the change in money market conditions DBH reserves the right to vary the rate of interest both upward and downward prospectively from time to time. In case of Fixed Rate Home Loan (FRHL) scheme, the rate of interest remains same throughout the loan tenure.

4 When can I draw down the loan? You can draw down the loan after satisfactory work-in-progress, completion of all legal documentation and after full investment of your own contribution. Your own contribution is the total cost/price less DBH home loan. In how many installments can the loan be drawn? You can draw down the loan in full or in suitable installments taking into account the requirement of funds and progress of construction, as assessed by DBH. You are advised (in your own interest) to enter into agreement with the developer whereby payment is dependent upon the progress of work and not on a time-based schedule. In case you are buying ready apartments or completed house, you can draw down the loan in one go, subject to fulfilling the conditions of approval. What security will I have to provide for the loan? Security for the loan is the first mortgage to DBH of the property to be financed and/or interim/alternate/ additional security acceptable to DBH as collateral. Can I repay my loan ahead of schedule? You can repay the outstanding loan ahead of schedule, either in part or full. Please contact any of our offices for the details terms and conditions for early payment. Does the property have to be insured? Please ensure that the property is duly and properly insured for fire and other appropriate hazards, as required by DBH, during the term of the loan and to produce evidence thereof to DBH, each year and/or whenever called upon to do so. In what form can I make payment to DBH? All kinds of payments for fees, charges, pre-emi interest, and EMIs should be made by MICR Cheque, marked A/C Payee Only drawn on an online bank, by electronic fund transfer, by pay order, or by demand draft drawn in favour of Delta Brac Housing Finance Corporation Limited. Are these rules subject to change? Yes. These rules may be reviewed periodically. Will DBH assist me in selecting my home? Yes. DBH can assist you in selection of your property in Dhaka and Chittagong cities through Property Counseling Services, which is now provided free of cost. Can Non-Resident Bangladeshis (NRB) avail loan from DBH? Yes, Non-resident Bangladeshis or Bangladeshis with foreign passports can avail loan from DBH, subject to rules and regulations of Bangladesh Bank and Bangladesh Government. Special Instructions Please read the BROCHURE carefully. The Application Form is to obtain relevant details to help us process your application. Any other information that you feel is necessary could be provided in details in a separate paper. Please write or type in BLOCK LETTERS Fill ( ) where applicable Marital Status Single Married Other e.g indicating married status All details must be filled in; if Not Applicable please write N.A. Applicants should ensure that the application is complete in every respect and all the required documents are submitted with the application. DBH reserves the right to reject any application at any stage without assigning any reason. Please keep photocopies of all documents that are submitted to DBH (including the application form) for your personal record. A Complete Form With Necessary Documents Will Help Us to Process Your Application Faster Please ensure that the title of the property is clean, marketable and free from any encumbrance. The property you will provide as security of DBH home loan should not be mortgaged in any Bank/Financial institution, and should not be subject to any litigation.

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7 Personal and Employment Details Full Name Father s Name Mother s Name Particulars Applicant Co-Applicant Spouse Name, if Applicable DELTA BRAC HOUSING FINANCE CORPORATION LTD. INDIVIDUAL LOAN APPLICATION FORM Tick ( ) against the appropriate box. Please write or type in BLOCK LETTERS Permanent Address Present Residential Address Is the Residence Rented Own Employer s Relationship with Applicant: Telephone (Residence) Date of Birth and Gender / / Yrs: M F / / Yrs: M F Place of Birth Marital Status Single Married Other: Single Married Other: No. of Dependants/Children Children: Other: Children: Other: National ID Number Academic Qualification Occupation Employed Self employed Unemployed Employed Self employed Unemployed Designation Office Name Office Address Telephone (Office) Mobile No. of Years in Present Occupation/Job Yrs. Retirement Age: Yrs. Yrs. Retirement Age: Yrs. Employee No. Tax Identification Number (TIN) Monthly Income (Prime source) Monthly Salary (Gross) Business Income (Monthly) Rental Income Tk. Tk. Monthly Salary (Gross) Business Income (Monthly) Other Income Tk. Source: Tk. Source: Total Income Tk. Tk. Expenses Rent: Tk. Others: Tk. Rent: Tk. Others: Tk. How much you can pay as EMI Tk :

8 Loan Applied For Term: Yrs. Purpose: Construction Flat Extension Renovation Plot Others Property Cost And Finance Details Estimated Funds Required Total Purchase Price or Sources of Funds Required Amount Already Spent Tk. Estimated Construction Cost Tk. Source: Registration Cost Tk. Loan Requested from DBH Tk. Other Cost, if any (Please Specify) Tk. Sources of Balance Amount Savings from Bank Disposal of Investment Tk. Tk. Personal Borrowings Loan from Provident Fund/Employer Others (Please specity) Tk. Total Funds Required Total Planned Funds Tk. Note: 1. Total Planned Funds should at least equal Total Funds Required 2. Detailed funds planning is important to process your loan For Office Use Only Affix Photo of Applicant with Signature Affix Photo of Co-Applicant with Signature Source: BSP: DSPD: DSPL: Telecode: Date of Receipt: File Number: Application Fees Tk. Initial Applicant s Signature Co-Applicant s Signature Date: Date:

9 DELTA BRAC HOUSING FINANCE CORPORATION LTD. FINANCIAL DETAILS Details of Savings and Assets (Please provide details) Particulars Applicant Co-Applicant Savings in Bank Immovable Property: Land/Building/Flat (Please specify) Fixed Deposits Tk. Tk. Sanchay Patra Tk. Tk. Life Insurance Policy Tk. Tk. Wage E. Bond Tk. Tk. Share Investment Tk. Tk. Details of Borrowings and Liabilities (Please give details on all your present outstanding and proposed loans) Sources of Loan Employer Bank Providend Fund Car Loan Others Outstanding Amount (TK.) Applicant Monthly Installment (TK.) Balance Term (Months) Outstanding Amount (TK.) Co-Applicant Monthly Installment (TK.) Balance Term (Months) Bank Account Details Name of the Account Holder Name of Bank Branch Type of Account Account No. Property Details (To be purchased/constructed/extended or improved) For Flat / Plot Purchase For Own Construction / Extension, Developer s Name... Project Name... Built-up Area (Sft.)... Flat No.... Floor... Side... Address: Please mention complete address of the property Property type: Lease Hold Pvt. Land Land Size... Katha: Value of Land Tk.... Area Per Floor... Sft. Number of Floors... No. of Unit / S... Which Floors... Address: Please mention complete address of the property Post Code: Lease Hold Pvt. Land Present Stage of Construction: (% Complete in) % Expected Possession By: / / (D/M/Yr.)

10 Expected date of first disbursement:... Do you propose to rent the dwelling unit? Yes No If yes, monthly rent expected TK. Is the Legal Title to the property clear? Yes No Will DBH be able to obtain first mortgage on the property? Yes No General Information (Applicable to all the clients of this loan application) Have you and your spouse applied earlier to DBH for a loan? Yes No If Yes, Loan A/C No:... Have you and your spouse given guarantee to any borrower Yes No If Yes, Loan A/C No:... Is you or any of your immediate family members are director of any Bank/FI. Yes No if yes, please mention. How did you get to know DBH? Please select the mode of repayment convenient to you: Electronic Fund Transfer (EFTN) Bank... Branch... Account No.... Post Dated Cheques (PDC) from Bank... Branch... Account No.... Newspaper TV Builder Friends Relatives Mail Billboard Visit by DBH Personnel Others (Please specify) References (Name & address of two referees) (DBH may make such inquiries from referees as it deems necessary) Immediate Relative (Employed Person) Non Relative (Employed Person) Name Designation Office Name Office Address Phone Off: Res: Off: Res: Mobile: Mobile: Declaration: I/we declare that all the particulars and information given in the application form are true, correct and complete and that they shall form the basis of any loan DBH may decide to grant me/us. I/we confirm that I/we have read the brochure and understood the contents. I/we fully understand that processing fees will be realized by DBH after receiving of my loan application and documentation fees will be realized before disbursement of the loan. I/we further confirm that I/we have had no insolvency proceedings against me/us nor I/we been adjudicated insolvent. I/we am/are aware that Equated Monthly Installment (EMI) comprising principal and interest is calculated on the basis of monthly rests. I/we agree that DBH may take up such references and make such inquiries in respect of this application as if may deem necessary. I/we undertake to inform DBH regarding any change in my/our occupation/employment and to provide any further information that you may require. I/we further agree that my/our loan shall be governed by rules of DBH which may be in force from time to time. I/we fully understand that processing fees will be realized by DBH after receiving of my loan application and documentation fees will be realized before disbursement of the loan. Applicant s Signature Co-applicant s Signature Date: Date:

11 DELTA BRAC HOUSING FINANCE CORPORATION LTD. Please tick ( ) the items you are submitting along with the Housing Loan Application A. Employed (PvKzwiRxwe) B. Self Employed (e emvqx/avz Kg ms vbkvix) 1. Employment certificate/contract paper wb qvm ev Pzw³cÎ 2. Pay slip for last 3 months (Showing all deduction) wzb gv mi ezb w øc (KZ bmn) 3. Bio-Data (income-earner) Rxeb e ËvšÍ / CV 4. Bank Statement for the last 12 months e vs Ki wnmve weeiyx (wemz 12 gv mi Rb ) 5. Business Card (if any) wfwrwus KvW ev Ab vb 6. If you have rental income, please provide copy of ownership documents, approved plan, location sketch and agreement (if any) evox fvov Pzw³ cî, Aby gvw`z bkkv Ges gvwjkvbv `wjj ev Ab vb 7. If you have any ongoing loan facility, please provide sanction letter and loan payment statement FY Aby gv`b cî Ges FY wnmve weeibx 8. Copy of E-TIN Certificate B-wUb mvwu wd K Ui Kwc 9. Copy of National ID Card/Passport/Birth Certificate RvZxq cwipqcî/cvm cv U i Kwc/Rb wbeüb mb` cî 10. Photograph for both applicant & co-applicant -2 copies each) Av e`bkvix I mn-av e`bkvixi Qwe cö Z Ki 2 Kwc 11. Loan Processing Fees FY cöwμqvkib wd 1. Copy of Trade Licence UªW jvb mý Gi Kwc 2. Copy of memorandum & Article of Association (if applicable). 3. Statement of business details such as products/clients etc e emv weeiyx 4. Income tax assessment orders/returns for 3 years AvqKi `vwljv/wiuvy (3 eq ii) 5. Profit & Loss Account for last 3 years for the business MZ 3 erm ii jvf jvkmv bi weeiyx 6. Bank Statement of self and business for last 12 months wemz 12 gv mi e vsk wnmve weeiyx 7. Your Bio Data Rxeb e ËvšÍ / CV 8. Business Card (if any) wfwrwus KvW ev Ab vb 9. Copy of National ID Card /Passport/Birth Certificate RvZxq cwipqcî /cvm cv U i Kwc/Rb wbeüb mb` cî 10. Copy of E-TIN Certificate B-wUb mvwu wd K Ui Kwc 11. If you have Rental income, please provide copy of ownership documents, approved plan, location sketch and agreement (if any) evox fvov Pzw³ cî, Aby gvw`z bkkv Ges gvwjkvbv `wjj 12. If you have any ongoing loan facility, Please provide sanction letter and loan payment statement FY Aby gv`b cî Ges FY wnmve weeibx 13. Photograph (for both applicant & co-applicant - 2 copies each) Av e`bkvix I mn-av e`bkvixi Qwe cö Z Ki 2 Kwc 14. Loan Processing Fees FY cöwμqvkib wd Title Documents for own construction (wbr evox ˆZix/ea bi ÿ Î m úwk Z gvwjkvbv msμvší `wjj cî) C. The Private Land (Own Construction) D. For Government Plots (Own Construction) 1. Ownership/Lease deed (Original) Ñ g~j gvwjkvbv/wjr `wjj 1. Ownership deed/lease deed of land 2. Baya deed for 21 years (original/certified/photocopy) Ñ wemz 21 erm ii evqv `wjj 2. Ñ g~j gvwjkvbv/wjr `wjj Baya deed for 21 years (original/certified/photocopy) 3. C.S., R.S., S.A. and City Jorip Khatian/Parcha Ñ wemz 21 erm ii evqv `wjj 4. Recent Survey Report (i.e. Math parcha duly attested) 3. Mutation Certificate Ñ bvgrvix cpv 5. Mutation Parcha based on Recent Survey Report 4. Up to date land Tax Receipt Ñ nvj m bi LvRbvi iwk` 6. Up to date No Encumbrance Certificate for 13 years Ñ `vqgyw³ mb`cî 7. Up to date Land Tax Receipt - nvj m bi LvRbv iwk` 8. Approved plan and approval letter by Rajuk/Authority. 9. Detailed estimate of the cost of construction prepared by a qualified Engr/Architect at current market rates - Kvb ^xk Z cö KŠkjx/ cwz KZ K ez gvb evrvi ` i wbgv Y e qi wek` weeiy 5. Permission from the lessor to mortgage (if required) Ñ eü Ki AbygwZ 6. Approved plan and approval letter by Rajuk/Authority Ñ ivrdk/kz cÿ Aby gvw`z cøvb 7. Detailed estimate of the cost of construction prepared by a qualified Engr/Architect at current market rates Ñ wbgv Y e qi wek` weeiy

12 Documents for Apartment /Land Project (to be given by the developer only once for one project) E. For Private Land F. For Government /Leased Land 1. Ownership deed (photocopy of land) g~j gvwjkvbv `wjj 2. Baya deed for 21 years (photocopy) wemz 21 erm ii evqv `wjj 3. Development agreement (joint venture) with the land owner. 4. Power of attorney (if any) Avg gv³vi bvgv `wjj 5. Mutation Parcha bvg Rvix cpv 6. Up to date Land Tax Receipt nvj m bi LvRbv iwk` 7. Survey reports duly attested (i.e City jorip parcha, RS parcha, SA parcha, CS parcha) (gnvbmi Rwic cp v, Avi Gm cp v, Gm G cp v, wm Gm cp v,) 8. Approved plan/layout plan and approval letter by Rajuk/ Authority 9. A Project Brochure 10. Memorandum & Article of Association of the Developer Company (once for a company) 11. Company profile (once for a company) Kv úvbx cwiwpwz 12. Work in progress report of the project cökí Kv Ri AMÖMwZi weeiyx 1. Ownership deed/lease deed (photocopy) g~j gvwjkvbv `wjj 2. Baya deed for 21 years (photocopy) wemz 21 erm ii evqv `wjj 3. Development agreement (joint venture) with the land owner 4. Power of Attorney (if any) & the letter of acceptance (Avg gv³vi bvgv `wjj Ges Dnvi MÖnYcÎ) 5. Mutation permission from the relevant Govt. office bvg LvwiR cî 6. Up to date Land Tax Receipt nvj m bi LvRbvi iwk` 7. Survey reports duly attested (i.e City Jorip parcha, RS parcha, SA parcha, CS parcha) (gnvbmi Rwic cp v, Avi Gm cp v, Gm G cp v, wm Gm cp v,) 8. Permission from the lessor to mortgage eü Ki AbygwZcÎ 9. Approved plan/layout plan and approval letter by Rajuk/ Authority 10. A project brochure including price details 11. Memorandum & Articles of Association of the Developer Company (once for a company) 12. Company profile (once for a company) Kv úvbx cwiwpwz G. Document From the Individuals (Flat/Plot Purchase) 1. Deed of agreement (original) evqbv `wjj 2. Registered sale deed/certified true copy with original receipt for Registration iwrwóªk Z g~j weμq `wjj 3. Original money receipts (iwk`) or acknowledgement receipt for payments made to seller/builder/developer UvKv cövwß ^xkvi cî 4. Letter from Developer/Builder as per DBH draft wwwegbp cö`ë bgybv Abyhvqx W fjcv ii wpwv (Signature of the Applicant)

13 eivei kvlv e e vck Wëv eª vk nvdwrs dvbb vý K c v ikb wjwg UW A½xKvi bvgv cî welqt FYMÖnxZv e w³/cöwzôv bi gvwjkvbv m úwk Z Z_ ejx `vwlj cöms M g nv`q ZvwiL: ms hvrbx- ÔKÕ Avwg... cöwzôvb... Gi gvwjk/cwipvjk wczv... gvzv... ^vgx (weevwnz gwnjv `i ÿ Î)... vqx wvkvbv... e emvwqk wvkvbv... Avgvi wbr bv g/gvwjkvbvaxb cöwzôv bi bv g FY gäyix/bevqb/cybt ZdwmjxKi bi Rb Av e`b KiwQ D jøwlz cöwzôvb e ZxZ Avgvi wbr bv g/avgvi gvwjkvbvaxb/cwipvjk wn m e ^v_ mswkøó cöwzôv bi ZvwjKv GZ`ms M mshy³ Kijvg wb gœ ewy Z cöwzôvb/cöwzôvbmg~n e ZxZ Avgvi wbr bv g/avgvi gvwjkvbvaxb/ ^v_ mswkøó Kvb cöwzôv bi bvg cviqv M j wg_ v ey bvi `v q Avwg AvBbZt `Ûbxq ne mz Mvcb Kivi `v q KZ cÿ Avgvi weiæ h Kvb e e v MÖnY Ki Z cvi e Ges KZ c ÿi wm vší Avwg AvBbvbyMZfv e g b wb Z eva _vke bs cöwzôv bi bvg vqx wvkvbv e emvwqk wvkvbv ez gv b cöwzôvbwu Kvb FY myweav fvm Ki Q wk-bv? n uv e vsk/avw_ K kvlvi bvg cöwzôv bi bvg Dc i cwi ewkz Z _ Kvb cwiez b n j Avwg cwiez bi 2 mßv ni g a AewnZ Ki Z eva _vke Ab _v, KZ cÿ Avgvi weiæ AvBbvbyM e e v MÖnY Ki Z cvi eb cöz qbkvix e vsk Kg KZ vi ^vÿi t A½xKviKvixi ^vÿi t bvg I mxj gvni (ZvwiLmn) t bvg t FYMÖnxZv cöwzôv bi bvg t wet `ªt cö qvr b cöwzôv bi ZvwjKvi Rb AwZwi³ KvMR e envi Kiv h Z cv i

14 eivei kvlv e e vck Wëv eª vk nvdwrs dvbb vý K c v ikb wjwg UW A½xKvi bvgv cî welqt FYMÖnxZv e w³/cöwzôv bi gvwjkvbv m úwk Z Z_ ejx `vwlj cöms M g nv`q ZvwiL: ms hvrbx- ÔKÕ Avwg... cöwzôvb... Gi gvwjk/cwipvjk wczv... gvzv... ^vgx (weevwnz gwnjv `i ÿ Î)... vqx wvkvbv... e emvwqk wvkvbv... Avgvi wbr bv g/gvwjkvbvaxb cöwzôv bi bv g FY gäyix/bevqb/cybt ZdwmjxKi bi Rb Av e`b KiwQ D jøwlz cöwzôvb e ZxZ Avgvi wbr bv g/avgvi gvwjkvbvaxb/cwipvjk wn m e ^v_ mswkøó cöwzôv bi ZvwjKv GZ`ms M mshy³ Kijvg wb gœ ewy Z cöwzôvb/cöwzôvbmg~n e ZxZ Avgvi wbr bv g/avgvi gvwjkvbvaxb/ ^v_ mswkøó Kvb cöwzôv bi bvg cviqv M j wg_ v ey bvi `v q Avwg AvBbZt `Ûbxq ne mz Mvcb Kivi `v q KZ cÿ Avgvi weiæ h Kvb e e v MÖnY Ki Z cvi e Ges KZ c ÿi wm vší Avwg AvBbvbyMZfv e g b wb Z eva _vke bs cöwzôv bi bvg vqx wvkvbv e emvwqk wvkvbv ez gv b cöwzôvbwu Kvb FY myweav fvm Ki Q wk-bv? n uv e vsk/avw_ K kvlvi bvg cöwzôv bi bvg Dc i cwi ewkz Z _ Kvb cwiez b n j Avwg cwiez bi 2 mßv ni g a AewnZ Ki Z eva _vke Ab _v, KZ cÿ Avgvi weiæ AvBbvbyM e e v MÖnY Ki Z cvi eb cöz qbkvix e vsk Kg KZ vi ^vÿi t A½xKviKvixi ^vÿi t bvg I mxj gvni (ZvwiLmn) t bvg t FYMÖnxZv cöwzôv bi bvg t wet `ªt cö qvr b cöwzôv bi ZvwjKvi Rb AwZwi³ KvMR e envi Kiv h Z cv i

15 DELTA BRAC HOUSING FINANCE CORPORATION LTD. Loan A/C No. : Property Address: Contact detail other than client: Prominent objects near by the property: Location Sketch Butted and Bounded by: (eükx m úwëi PŠnÏx) N (DËi) ( ^vÿi) Signature of Owner/Borrower Date: W (cwðg) E (c~e ) S (`wÿy) N.B: Prominent objects refer to school, mosque, shop, hospitals etc very near to property, if possible indicate butted and bounded by (N,S,W,E)