Jean Beers VP / Personal Banker. Downtown Kittanning 222 Market Street Kittanning, PA 16201. Office: 724-548-9237 Fax: 724-543-1006. Email: [email protected]. Visit My Site ». Read More About Me. With over 34 years’ experience in banking, Jean Beers, will assist you through the lending process from beginning to end.NexTier Bank spent this past weekend updating online and mobile banking. All former Mars customers will now have to use their new NexTier Bank debit card for any transactions, according to a news release from NexTier. “Joining together with Mars Bank provides us the opportunity to expand into Mercer County,” NexTier’s president and chief … Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient’s account in a matter of minutes 1, and all you need is the recipient’s email address or U.S. mobile phone number. Learn More. A NexTier Bank Personal Banker will follow up to answer your questions. Our goal is to provide the highest level of service at competitive rates. Our Personal Bankers are only a phone call away if you need help. Contact us at 724-538-2227. We have implemented enhanced security to your NexTier Online Banking Account. SecureNow is a new multi-factor authentication feature added to Online Banking.NexTier Bank, Butler, Pennsylvania. 2,222 likes · 93 talking about this · 33 were here. At NexTier Bank, we believe Communities thrive when supported by a strong, hometown bank.NEXTIER BANK, NEXTIER BANK, NATIONAL ASSOCIATION Full Service Brick and Mortar Office 222 Market St Kittanning, PA 16201. Write a Review. NEXTIER BANK, HIGHLANDS-WEST BRANCH Full Service Brick and Mortar Office 316 First Avenue Suite 101 Kittanning, PA 16201 | next page > NEXTIER BANK. Established: 01/01/1897: …This feature is available on the Mobile Banking app for iPad, iPhone and Android devices. Data connection required. Wireless carrier fees may apply. Discover benefits and features of Bank of America's Online Banking and Mobile Banking app. The features offered provide convenient and secure banking from a computer, tablet or smartphone. Construction Loans. Financing options to build or expand your existing space. If you are considering a financing option to grow your business, NexTier Bank’s construction loans may be the clear choice. Whether you are looking to build a new facility or expand your existing space, our experts make it easy to apply. Learn More. Deposit to Open. $1,500. $25,000. Balance Requirement. Maintain a minimum daily balance of $1,500 or monthly average balance of $5,000 to avoid a $10 monthly service charge. Maintain a monthly average balance of $25,000 to avoid a $25 monthly service charge. Monthly Service Charge.NexTier Bank has 2 banking offices in Pittsburgh, Pennsylvania. There are no other branches of NexTier Bank in neighbourhood locations within a radius of 10 miles. For more results, you can use our search tool or click "Pennsylvania" from the top menu for a list of all branches. Locations of NexTier Bank offices in Pittsburgh are shown on the map below. …Welcome to NexTier Bank, a dynamic combination of three longstanding hometown banks – Farmers National Bank of Kittanning, Merchants National Bank of Kittanning and NexTier …NexTier Bank Freeport branch is one of the 27 offices of the bank and has been serving the financial needs of their customers in Freeport, Armstrong county, Pennsylvania for over 10 years. Freeport office is located at 236 Fifth Street, Freeport. You can also contact the bank by calling the branch phone number at 800-262-1088Loan Payment Calculator. This calculator will calculate a loan's monthly payment amount – at various compounding intervals – based on the principal amount borrowed, the length of the loan and the annual …Jan 30, 2024 · NexTier Mobile is available to all NexTier Bank Online Banking customers. Accessing the NexTier Mobile app is easy! Simply use the same username and password you have established for NexTier Online Banking. If you haven’t signed up for NexTier Online Banking, visit www.thebank.com to enroll. The NexTier Mobile app is free, but web ... We have implemented enhanced security to your NexTier Online Banking Account. SecureNow is a new multi-factor authentication feature added to Online Banking.NexTier Connects Checking. Free NexTier Visa ® Debit Card. Free eStatements. Free Online Banking with Bill Pay. Free Mobile Banking. Free Telephone Banking. Free ATM withdrawals on the Freedom ATM Alliance Network. $100.00 minimum deposit to open. Minimum daily balance of $400 or a monthly average balance of $600 to avoid a $4 …Nextier Bank NA operates as a bank. The Bank offers consumer loans, credit cards, insurance, weath management, and merchant services. Nextier Bank NA operates in the State of Pennsylvania. Company ... Construction Loans. Financing options to build or expand your existing space. If you are considering a financing option to grow your business, NexTier Bank’s construction loans may be the clear choice. Whether you are looking to build a new facility or expand your existing space, our experts make it easy to apply. Whether you’re looking for a traditional personal checking account or one with extra perks; NexTier Bank has you covered.Loan Payment Calculator. This calculator will calculate a loan's monthly payment amount – at various compounding intervals – based on the principal amount borrowed, the length of the loan and the annual …NexTier Bank, N.A. does not endorse or guarantee the products, information or recommendations provided by linked sites. NexTier Bank is not liable for any failure of products, services or information provided through third party sites. Third party linked sites may have privacy policies that differ from NexTier Bank; and linked sites may or may ...NexTier Bank has 2 banking offices in Pittsburgh, Pennsylvania. There are no other branches of NexTier Bank in neighbourhood locations within a radius of 10 miles. For more results, you can use our search tool or click "Pennsylvania" from the top menu for a list of all branches. Locations of NexTier Bank offices in Pittsburgh are shown on the map below. …NexTier Bank, N.A. does not endorse or guarantee the products, information or recommendations provided by linked sites. NexTier Bank is not liable for any failure of products, services or information provided through third party sites. Third party linked sites may have privacy policies that differ from NexTier Bank; and linked sites may or may ...AVP Pittsburgh Regional Manager at NexTier Bank Kittanning, Pennsylvania, United States. 153 followers 154 connections See your mutual connections. View mutual connections with Jennifer ...At NexTier, our success is driven by our people. Here, you can propel your career to new heights in an employee-centric culture where we value your trust and individual initiative. Whether you’re an entry-level applicant or an experienced energy-industry professional, you’ll find the cutting-edge technology and training to help you create ...NexTier Bank offers online banking, cash manager, and digital solutions for personal banking needs. Find a branch near you, contact us, or chat with an advisor online.Heather Potts. Office:724-538-2222. Fax:800-290-9926. NMLS #612664. Email: [email protected]. Cranberry Office 20249 Route 19 Cranberry Township, PA 16066. Business Hours: Monday through Friday 8:00 a.m. 5:00 p.m. ET. Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.ACH Services. NexTier automatic payments save business customers time and money. Think of all the possibilities, such as managing the billing and collection of routine payments without paper and the elimination of check preparation, storage and retrieval costs. Automatic payment gives you the ability to maintain greater control over your funds.222 Market St. Kittanning, Pennsylvania 16201. Get mobile directions from current location: or enter a starting address: NEXTIER BANK, NATIONAL ASSOCIATION Headquarters Phone Number: (724) 543-1125. If you are not looking for their corporate location, but a NEXTIER BANK, NATIONAL ASSOCIATION branch location close to you or …Select eStatements for Delivery Method. You must click on the link to read the electronic statements terms and conditions. It’s that easy. You’ll now receive eStatements on the next business day following your statement cycle. Please note: If you are not currently an online banking user, you will need to enroll in order to sign up for ...Bank conveniently and securely with NexTier Business Mobile. Now you can manage your business finances anytime, anywhere - from your mobile device. Manage Your Accounts: • Check business account balances. • View recent transactions, including check images. • Transfer money between accounts.Merchant Service Solutions By Clover. Clover helps simplify your business card processing and enables you to accept payments from anywhere. Clover offers solutions that are all-in-one and tailored to meet your unique needs. Switch to the flexible Clover business management platform to help make your day a breeze. Do more with Clover.Who is NexTier Bank. NexTier Bank is a locally owned and operated community bank. NexTier Bank provides personal and business banking services along with insurance and wealth management options through their sister companies NexTier Wealth Management and NexTier Insurance Group. NexTier is located in Pennsylvania.Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! Nextier Bank Branch Location at State Road 68 And Byrnes Street, Chicora, PA 16025 - Hours of Operation, Phone Number, Address, Directions and Reviews. Home Equity Loans – Up to 100% of Your Home's Value. Let the equity of your home work for you. Competitive interest rates. The full loan amount upfront. Security of a fixed interest rate. Convenience of fixed monthly payments. A predictable payoff schedule. NexTier Bank has 2 banking offices in Pittsburgh, Pennsylvania. There are no other branches of NexTier Bank in neighbourhood locations within a radius of 10 miles. For more results, you can use our search tool or click "Pennsylvania" from the top menu for a list of all branches. Locations of NexTier Bank offices in Pittsburgh are shown on the map below. … Nextier Bank. Opens at 8:30 AM (724) 449-3900. Website. More. Directions Advertisement. 101 Northtown Sq Richland Twp, PA 15044 Opens at 8:30 AM. Hours. Mon 8:30 ... Learn 10 simple steps you can take to protect yourself and your organization from a cyber security threat. 1. Create different user names and passwords for each application. If a company is breached and your information is exposed, criminals tend to use those credentials to attempt to gain access to other websites. 2.Construction Loans. Financing options to build or expand your existing space. If you are considering a financing option to grow your business, NexTier Bank’s construction loans may be the clear choice. Whether you are looking to build a new facility or expand your existing space, our experts make it easy to apply.Business Security Tips Our top priority at NexTier Bank is to keep your personal and financial information secure. Our fraud and business experts have curated this content for you to use as a resource to keep your organization’s information secure from fraud. FTC Resources The Federal Trade Commission (FTC) provides numerous resources …Review: There are times where I will use my bounce protection and have not one issue paying the $36.00 fee. However the last two times I have had issues with being charged is one, Nextier Bank changed a policy and posted it on the door of the bank saying deposits made after 4:30pm would be credited the next business day. Treasury Management. Sweep Accounts. With a NexTier Sweep Account, excess funds will automatically “sweep” to an interest bearing account of your choosing and remain there until they are needed to cover checks presented against your account. Maintain a minimum daily balance of $1,000 or an average monthly balance of $2,000 to avoid a $7 monthly service charge. Overdraft Privilege limit of $1,500. 1 Interest rate and annual percentage yield may change. Interest begins to accrue on the business day we receive your deposit. Interest is calculated on the Daily ledger balance.For Nextier Bank, National Association's securitized auto loans, the charge-offs amount to $5,696,000 and the recoveries amount to $984,000. For general car loans, the charge-offs amount to $2,558,000 and the recoveries amount to $1,009,000. This results in a net charge-offs of automobile loans debited to the allowance for loan and lease losses of …No monthly service charge. Interest Bearing Account 1 – When qualifications are met, earn 0.65% APY on balances up to $35,000 and 0.65% to 0.25% APY on balances above …Vice President Regional Manager. Jan 2013 - Present10 years 8 months. Butler Region. * Oversee Operational and Sales Management of 5 bank branches with a combined deposit volume of 150 million ...No monthly service charge. Interest Bearing Account 1 – When qualifications are met, earn 0.65% APY on balances up to $35,000 and 0.65% to 0.25% APY on balances above …“NexTier Bank is enthusiastic about the opportunity to extend our banking franchise into the Buffalo and Rochester, New York markets,” said Clem Rosenberger, NexTier Bank’s president and CEO.At NexTier Bank, our customers have always been our priority. We’ve created this online experience with both our... Feb 8, 2021. Saving & Budgeting. How to Balance a Checkbook. Balancing your checkbook helps you catch fraudulent activity faster, budget automatic transactions, and avoid bouncing...NexTier Bank Cranberry Township branch is one of the 27 offices of the bank and has been serving the financial needs of their customers in Cranberry Township, Butler county, Pennsylvania since 1991. Cranberry Township office is located at 20249 Route 19, Cranberry Township. You can also contact the bank by calling the branch phone number …Learn how to access your accounts, find information, and connect with NexTier Bank on the new and improved online customer experience at www.nextierbank.com. The website …NexTier Bank Cranberry Township branch is one of the 27 offices of the bank and has been serving the financial needs of their customers in Cranberry Township, Butler county, Pennsylvania since 1991. Cranberry Township office is located at 20249 Route 19, Cranberry Township. You can also contact the bank by calling the branch phone number …No monthly service charge. Interest Bearing Account 1 – When qualifications are met, earn 0.65% APY on balances up to $35,000 and 0.65% to 0.25% APY on balances above …Thu 8:30 AM - 6:00 PM. Fri 8:30 AM - 6:00 PM. Sat 8:30 AM - 12:00 PM. (724) 543-1125. https://www.nextierbank.com. A history of excellence, a partnership with our communities, a legacy of success. With over 350 years of combined experience, NexTier offers a new vision of community banking. We bring a relentless desire to provide world class ...Heather Potts. Office:724-538-2222. Fax:800-290-9926. NMLS #612664. Email: [email protected]. Cranberry Office 20249 Route 19 Cranberry Township, PA 16066. Business Hours: Monday through Friday 8:00 a.m. 5:00 p.m. ET. Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.222 Market St. Kittanning, Pennsylvania 16201. Get mobile directions from current location: or enter a starting address: NEXTIER BANK, NATIONAL ASSOCIATION Headquarters Phone Number: (724) 543-1125. If you are not looking for their corporate location, but a NEXTIER BANK, NATIONAL ASSOCIATION branch location close to you or … Menu. Personal . I Want To . Report Fraud; Login to Online Banking; Find a Location; Contact NexTier Bank; Explore Community Commitment; Telephone Banking: 844.639.8437 OR 724.543.2350 NexTier Bank Clearview Mall branch is one of the 27 offices of the bank and has been serving the financial needs of their customers in Butler, Butler county, Pennsylvania since 1986. Clearview Mall office is located at 196 Clearview Circle, Butler. You can also contact the bank by calling the branch phone number at 800-262-1088. Nextier Bank 316 First Avenue Suite 101 West Kittanning, PA 16201. 0.73 mi. Nearby Atms. MONEY ACCESS SERVICE 222MARKET STREET Kittanning, PA 16201. 0.00 mi. This feature is available on the Mobile Banking app for iPad, iPhone and Android devices. Data connection required. Wireless carrier fees may apply. Discover benefits and features of Bank of America's Online Banking and Mobile Banking app. The features offered provide convenient and secure banking from a computer, tablet or smartphone.Learn how to access your accounts, find information, and connect with NexTier Bank on the new and improved online customer experience at www.nextierbank.com. The website … Senior Vice President / Director of Treasury Services. Lara Wozniak is the Senior Vice President / Director of Treasury Services at NexTier Bank. Before joining NexTier in 2001, Lara worked for a regional bank outside of Washington D.C. Lara graduated from The Pennsylvania State University with a Bachelor’s Degree in Business and has earned ... Home Equity Lines of Credit – Up to 100% of Your Home’s Value. Turn your home’s equity into a flexible, convenient credit line when you need it. Competitive interest rates. Flexibility: apply once and access your credit line anytime. Select monthly payments that fit your budget.Jean Beers VP / Personal Banker. Downtown Kittanning 222 Market Street Kittanning, PA 16201. Office: 724-548-9237 Fax: 724-543-1006. Email: [email protected]. Visit My Site ». Read More About Me. With over 34 years’ experience in banking, Jean Beers, will assist you through the lending process from beginning to end. Senior Vice President / Director of Treasury Services. Lara Wozniak is the Senior Vice President / Director of Treasury Services at NexTier Bank. Before joining NexTier in 2001, Lara worked for a regional bank outside of Washington D.C. Lara graduated from The Pennsylvania State University with a Bachelor’s Degree in Business and has earned ... For Nextier Bank, National Association's securitized auto loans, the charge-offs amount to $5,696,000 and the recoveries amount to $984,000. For general car loans, the charge-offs amount to $2,558,000 and the recoveries amount to $1,009,000. This results in a net charge-offs of automobile loans debited to the allowance for loan and lease losses of … NexTier Connects Checking. Free NexTier Visa ® Debit Card. Free eStatements. Free Online Banking with Bill Pay. Free Mobile Banking. Free Telephone Banking. Free ATM withdrawals on the Freedom ATM Alliance Network. $100.00 minimum deposit to open. Minimum daily balance of $400 or a monthly average balance of $600 to avoid a $4 monthly service ... NexTier Bank, N.A. does not endorse or guarantee the products, information or recommendations provided by linked sites. NexTier Bank is not liable for any failure of products, services or information provided through third party sites. Third party linked sites may have privacy policies that differ from NexTier Bank; and linked sites may or may … NexTier Mobile App. Download NexTier Mobile from the App Store or Google Play Store to access your accounts on-the-go. NexTier Bank's digital solutions give you the freedom to bank where ever you are, with online or mobile banking options. NexTier Bank. 1,600 followers. 3mo Edited. Open a new 9 Month Certificate of Deposit and get 5.35% APY when you bring over $5,000 in new money.*. For more details, call our Customer Care Center at ...NexTier Bank, N.A. does not endorse or guarantee the products, information or recommendations provided by linked sites. NexTier Bank is not liable for any failure of products, services or information provided through third party sites. Third party linked sites may have privacy policies that differ from NexTier Bank; and linked sites may or may … At NexTier Bank, we are committed to keeping our customers’ financial and personal information safe. Our Fraud Center was established in early 2023 as a way to keep our customers informed of current fraudulent scams, a source of information to help them recognize fraudulent activity, and to ensure resources are available if someone falls ... 1 When your NexTier Interest Plus account qualifications are met during a Monthly Qualification Cycle daily balances up to and including $35,000 in your NexTier Interest Plus account earn an interest rate of 0.50% resulting in an APY of 0.50%; and daily balances over $35,000 earn an interest rate of 0.25% on the portion of the daily balance over …Welcome to NexTier Bank, a dynamic combination of three longstanding hometown banks – Farmers National Bank of Kittanning, Merchants National Bank of Kittanning and NexTier …NexTier in Butler, Pennsylvania, has agreed to buy Mars Bancorp in Mars, Pennsylvania. NexTier said in a press release that it expects to complete the purchase in the first quarter of 2024. M&A News is reported by Paul Davis and reprinted with permission as an adaptation of the material from TheBankSlate.com. NexTier in Butler, Pennsylvania, to ... NexTier Bank Downtown Kittanning branch is one of the 27 offices of the bank and has been serving the financial needs of their customers in Kittanning, Armstrong county, Pennsylvania since 1897. Downtown Kittanning office is located at 222 Market Street, Kittanning. You can also contact the bank by calling the branch phone number at 800-262-1088 Online Banking Help Request. Thank you for visiting our website. If you need assistance to complete the following form, please contact us at: 1-800-262-1088. If you are submitting this form on behalf of another person, a member of our team will contact the customer at the phone number we have on file.NexTier Bank. Jan 2004 - Apr 202117 years 4 months. Responsible for daily core system processing. Maintain and update core banking system, teller system, as well as the new account system to ...NexTier Bank Butler, PA. Deposit Support Specialist (Hybrid) NexTier Bank Butler, PA 4 weeks ago Be among the first 25 applicants See who NexTier Bank has hired for this role ... At NexTier Bank, we are committed to keeping our customers’ financial and personal information safe. Our Fraud Center was established in early 2023 as a way to keep our customers informed of current fraudulent scams, a source of information to help them recognize fraudulent activity, and to ensure resources are available if someone falls ... 1 When your NexTier Interest Plus account qualifications are met during a Monthly Qualification Cycle daily balances up to and including $35,000 in your NexTier Interest Plus account earn an interest rate of 0.65% resulting in an APY of 0.65%; and daily balances over $35,000 earn an interest rate of 0.25% on the portion of the daily balance ... Determine whether Nextier Bank National Association grew or shrank during the last recession. This is useful in estimating the financial strength and credit risk of the company. Compare how recession-proof Nextier Bank National Association is relative to the industry overall. While a new recession may strike a particular industry, measuring …Chief Banking Officer. Jan 2022 - Present 2 years 1 month. Butler, Pennsylvania, United States.NexTier Connects Checking. Free NexTier Visa ® Debit Card. Free eStatements. Free Online Banking with Bill Pay. Free Mobile Banking. Free Telephone Banking. Free ATM withdrawals on the Freedom ATM Alliance Network. $100.00 minimum deposit to open. Minimum daily balance of $400 or a monthly average balance of $600 to avoid a $4 …NexTier Bank Butler, PA. Deposit Support Specialist (Hybrid) NexTier Bank Butler, PA 4 weeks ago Be among the first 25 applicants See who NexTier Bank has hired for this role ...NexTier Bank Hilltop Plaza branch is one of the 27 offices of the bank and has been serving the financial needs of their customers in Kittanning, Armstrong county, Pennsylvania since 1910. Hilltop Plaza office is located at 4 Hilltop Plaza, Kittanning. You can also contact the bank by calling the branch phone number at 800-262-1088.Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient’s account in a matter of minutes 1, and all you need is the recipient’s email address or U.S. mobile phone number. Learn More.
NexTier Bank. 1,695 followers. 1d. A Free Business Account from NexTier Bank can help keep your business finances simple and on track! No minimum balance requirement ☑️ Free NexTier Visa .... Sicasino
NexTier Bank, N.A. does not endorse or guarantee the products, information or recommendations provided by linked sites. NexTier Bank is not liable for any failure of products, services or information provided through third party sites. Third party linked sites may have privacy policies that differ from NexTier Bank; and linked sites may or may ...Get free cryptocurrency (up to $100) value in our partnership with Coinbase. Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! Nextier Bank Branch Location at 100 Moraine Point Plaza, Butler, PA 16001 - Hours of Operation, Phone Number ...A NexTier Bank Personal Banker will follow up to answer your questions. Our goal is to provide the highest level of service at competitive rates. Our Personal Bankers are only a phone call away if you need help. Contact us at 724-538-2227.Business Security Tips Our top priority at NexTier Bank is to keep your personal and financial information secure. Our fraud and business experts have curated this content for you to use as a resource to keep your organization’s information secure from fraud. FTC Resources The Federal Trade Commission (FTC) provides numerous resources … In addition to conforming properties, NexTier Bank will also consider the following financing options: Home Renovations. Condo / Co-Ops. Non-working Farm. Home with Acreage and/or Out Buildings. Oil / Gas Lease. Modular / Double-wide on Permanent Foundation. Loans to Purchase Land. Business Security Tips Our top priority at NexTier Bank is to keep your personal and financial information secure. Our fraud and business experts have curated this content for you to use as a resource to keep your organization’s information secure from fraud. FTC Resources The Federal Trade Commission (FTC) provides numerous resources …Applying online is as easy as 1-2-3. Click Apply Now and complete the application. When you have completed the application, click submit and your information will be reviewed for approval. A NexTier Bank Personal Banker will follow up to answer your questions. Select a Loan Officer to Apply Now.Learn 10 simple steps you can take to protect yourself and your organization from a cyber security threat. 1. Create different user names and passwords for each application. If a company is breached and your information is exposed, criminals tend to use those credentials to attempt to gain access to other websites. 2.Select eStatements for Delivery Method. You must click on the link to read the electronic statements terms and conditions. It’s that easy. You’ll now receive eStatements on the next business day following your statement cycle. Please note: If you are not currently an online banking user, you will need to enroll in order to sign up for ... NexTier Bank’s Perfect Fit Checking Account is designed to make banking simple and affordable. Access your money on-the-go, anytime you need with our Digital Solutions. NexTier Bank, Butler, Pennsylvania. 2,218 likes · 113 talking about this · 50 were here. At NexTier Bank, we believe Communities thrive when supported by a strong, hometown bank.NexTier Bank. 1,644 followers. 1w. Mars Bank Customers: This week, your new NexTier Bank Visa® Debit Cards will be arriving in the mail. Be sure to check all envelopes and activate your card when ...Jean Beers VP / Personal Banker. Downtown Kittanning 222 Market Street Kittanning, PA 16201. Office: 724-548-9237 Fax: 724-543-1006. Email: [email protected]. Visit My Site ». Read More About Me. With over 34 years’ experience in banking, Jean Beers, will assist you through the lending process from beginning to end.Consumer Loans. Personal Loans – secured and unsecured. Personal Lines of Credit – secured and unsecured. Loans secured by savings, certificate of deposits, stocks, bonds, mutual funds, or cash value life insurance. Auto Loans – Up to 100% financing on new vehicles, with terms up to 72 months. Used vehicles to 90% financing, with terms of ....