Meanwhile, Freddie Mac, Wells Fargo, and Fannie Mae had the highest predictions, with forecasts of 6.8%, 6.95%, and 7%, respectively, by the end of 2022. Also keep in mind that a late payment may remain on your credit report for as many as seven years, which would adversely impact your credit score. Have the following information ready when you call: Make payments anytime at Wells Fargo Online. All rights reserved. They may be willing to delete your late payment data so that your creditworthiness doesnt suffer. That echoes comments CEO Charlie Scharf made in June, when he said Wells Fargo was in the process of changing, strategically, where mortgage fits in.. You can then visit the branch to make an in-person mortgage payment. The latest review End Automatic Payment was posted on Dec 6, 2022. Learn more about different types of insurance. The latest wave comes amid ongoing Federal Reserve rate hikes to tame persistent inflation, pushing mortgage rates toward their highest levels in two decades. All rights reserved. Let them know when they can expect payment. Given the fact that my single late payment does not adequately reflect my creditworthiness and intention to abide by my financial obligations, I would be grateful if you would make a goodwill adjustment. Is Wells Fargo Open 7 Days a Week? The official website for the company is www.wellsfargo.com . You can do your part to protect the environment with paperless billing. Here are some of the services it offers. HousingWire reported three weeks ago that the lender was shedding an undisclosed number of jobs on the heels of a third quarter in which originations were down 59% year-over-year. Lenders prefer to have people opt for automatic payments so that payments are made on time, all the time. New revelations from the nations second-largest mortgage lender will make the U.S. taxpayer want to take a good long pull on the nearest bottle of hand wash. Blank fields indicate the information isnt available to MortgageCalculator.Guru team. The firm is planning a longer-term retreat in the mortgage business, abandoning its longtime strategy to be the biggest in the industry, Bloomberg reported in August. Funds transferred between Wells Fargo accounts are available immediately as long as the transaction is made by 8 p.m. PST on a business day. After youve signed up for the banks online services, youll be able to pay your mortgage bill over the internet. Whether you need to get a new password or username, you can find out how to do so by going to, Theres no monthly or per transaction cost for using your accounts online. Information and views provided are general in nature and are not legal, tax, or investment advice. The division reported a 70% drop in fees for the first nine months of this year. Refinancings fell to 16% of the mix. However, you can use your Wells Fargo Debit, ATM, or Prepaid Card to check balances and withdraw cash at non-Wells Fargo ATMs that display the Plus logo. They will explain your options. Im aware of the importance of making timely payments and meeting my financial commitments. You might be asked to sign an authorization sheet and to submit a void check or savings account slip. Be sure your email includes the address where you want the kit mailed and your account number for the deposits. Yes. The length of time Online Statements are available to view and download varies depending on the product: up to 12 months for auto loans; up to 2 years for credit cards, home equity lines of credit, and personal loans and lines of credit; and up to 7 years for deposit accounts, home mortgage accounts, and trust and managed investment accounts. The length of time Online Statements are available to view and download varies depending on the product: up to 12 months for auto loans; up to 2 years for credit cards, home equity lines of credit, and personal loans and lines of credit; and up to 7 years for deposit accounts, home mortgage accounts, and trust and managed investment accounts. Our automated payment service is available 24 hours a day, 7 days a week. You can also withdraw funds directly from your home equity line of credit or transfer funds to your checking account. I appreciate your taking the time to read my letter. But you can sign up for automatic payments. Get the latest headlines delivered to your inbox every weekday. Wells Fargo Business Online comes with the ability to receive and view statements for most of your accounts online. They will explain your options. Yes, your Wells Fargo Business Online statement is the same as your paper statement and is considered an official document. Bank has been open about its intention to shrink its mortgage footprint. 1999 - 2022 Wells Fargo. We regularly review and adjust staffing levels to align with market conditions and the needs of our businesses, a representative for Wells Fargo said in a statement. Wells Fargo Online 1-800-956-4442 24 hours a day, 7 days a week. No more shuffling papers, storing files, or waiting for the mail. Box 560948 Charlotte, NC 28256. Go to the Wells Fargo Online Enrollment page to sign up for Wells Fargo Online. Important information ATM Access Codes are available for use at all Wells Fargo ATMs for Wells Fargo Debit and ATM Cards, and Wells Fargo EasyPay Cards using the Wells Fargo Mobile app. Follow the instructions stipulated in the email. Wells Fargo, the largest depository mortgage lender in America, cut hundreds of home lending jobs across the country on Thursday. To find the address of a Wells Fargo branch, use our Locator. But if you use Wells Fargo Online with Quicken or QuickBooks fees, there might be applicable costs. Its important to admit you were in error. NMLSR ID 399801, Mail your payment along with the payment coupon included in your most recent mortgage statement. Last 4 digits of Social Security number Phone numbers Home ()-Mobile ()-Work ()-Mailing address . Box 10335 Des Moines, IA 50306-0335 Online Customer Service Wells Fargo Customer Service P.O. LRC Thecorrespondent channel, which the company is reportedly shrinking, was responsible for $9.1 billion of the total production in the third quarter of 2022, declining 46% year-over-year. One reason Im making this request is that my intention is to apply for a [loan, credit card, etc], and Ive come to understand that the missed payment reflected on my credit report could jeopardize my objective. When you go this route and have a system in place, you will avoid late Wells Fargo Mortgage payments. Professionals rely on HW Media for breaking news, reporting, and industry data and rankings. Access and print online statements that are saved as PDFs. Get Mobile Banking, Bill Pay, and access to 13,000 ATMs. This coupon should be retrieved from your latest mortgage statement. If you dont have your statement handy, call, Mail your payment along with the payment coupon included in your most recent account statement. are registered trademarks of Newsmax Media, Inc. Newsmax TV, and Newsmax World are trademarks of Newsmax Media, Inc. To verify your current alerts subscription at any time, sign on to Wells Fargo Online or Wells Fargo Mobile app, select Manage Alerts, and choose an account for which you want to add or edit alerts. Loan purpose; Desired term; Loan amount; Preferred payment due date; Additional documents (requested as necessary) Once your application is reviewed, we may request additional information from you, such as: Recent pay stubs, W2s, or tax returns; Utility bills (to verify address) Wells Fargo Auto Home Mortgage. How much does it cost to receive my statements through Wells Fargo Business Online? Monthly mortgage or rent payment amount; Personal Loan information. 1. If you're making a payment from another financial institution, be sure to have the account number and routing number for the transferring account available. Purchased for you if you dont get insurance youre required to have or your policy lapses. The Wells Fargo mobile app lets you transfer funds between Wells Fargo accounts or between a Wells Fargo account and one at another financial institution. Youll need to enter information such as the following: After entering your email address, the system will request that you confirm the email address you entered. The length of time Online Statements are available to view and download varies depending on the product: up to 12 months for auto loans; up to 2 years for credit cards, home equity lines of credit, and personal loans and lines of credit; and up to 7 years for deposit accounts, home mortgage accounts, and trust and managed investment accounts. Wells Fargo Mortgage has north of 25 years of experience as an originator and servicer of residential mortgages. How to Pay Your Wells Fargo Mortgage Payment in Person. Lets you get a mortgage with a smaller down payment but adds a premium to your monthly payment. Copyright 2022 The Dallas Morning News. You could fail to stay on top of things such as the amount owing or the amount youre paying monthly. Yes, your Wells Fargo Bank money market accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). Although I missed the deadline, I have since then taken measures to ensure this does not happen again. Add your account to your profile. But due to [situation that led to the missed payment], I unintentionally missed the payment due date. Required fields are marked *. All You Need to Know, Pros and Cons of Wholesaling Real Estate. Wells Fargo, the third-largest U.S. mortgage lender by volume through the first three quarters of the year,originated$21.5 billion in Q3 2022, a 37% decline quarter-over-quarter. The banks automated payment system is available 24/7. The firm is not alone: Rival JPMorgan Chase & Co. cut hundreds of home-lending staff and reassigned hundreds more in June, with further reductions since. Email address . Insurance can offer financial protection against fires, theft, floods, and more. These free online calculators will help you: You can make mortgage loan payments anytime you want from Wells Fargo Online. Receiving a notification for an upcoming bill payment can make all the difference. In June, JPMorgan Chase & Co., the largest U.S. bank by assets, had also started laying off employees in its mortgage business. By signing up you agree to our privacy policy, Stand with us in our mission to discover and uncover the story of North Texas. Learn the specific estate planning documents you need to protect yourself and your loved ones. Specifically, Ive [explain what has changed that will prevent any additional late payments]. Guarantee that there will be no repeat of the delinquent behavior going forward. Open a Wells Fargo checking account online in minutes. Use the Wells Fargo Mobile app to request an ATM Access Code to access your accounts without your debit card at any Wells Fargo ATM. For online orders of cashiers checks to be delivered to an address in the U.S., there will be an $8 delivery charge in addition to the $10 Wells Fargo fee. Should you desire to make a payment from a different financial institution, keep the account number and routing number for the transferring account handy as you will need this information. Auto Payments. Tags: Wells FargoYourWellsFargoMortgage.com. You need to have access to your accounts through Wells Fargo Business Online. Many of Wells Fargo's fees can be avoided by maintaining a designated balance, setting up deposits or linking to other Wells Fargo accounts. Plan for your future today. Site by, How smart home technology increases property value in a challenging market, Top CEOs On Finding Wins In 2022-23 Housing Rough Patch, The shakeup continues for reverse mortgage lenders, Housing industry jobs disappearing amid fears of a prolonged recession, U.S. Bank inherited a wholesale lending business. Nonbank lenders, which swelled to dominate the mortgage business since the financial crisis, have also been slashing their ranks. If we don't have your correct mailing address, we may also call you or leave a message. ATM access is not available in Texas. Wells Fargo does not operate ATMs or branches outside of the United States. Their usage doesnt imply any kind of a companys partnership or endorsement. Offer dates subject to change. Order a cashiers check online or in-person at any Wells Fargo banking location.. Wells Fargo Fee. Banking. Help from a representative is available from Monday to Friday, from 6 am 10 pm Central Time or on Saturday, from 8 am 2 pm Central Time. When those produce results, the people like them, we get the kudos for it. Corporate Offices Wells Fargo 420 Montgomery Street San Francisco, CA 94104. Its very different today running a mortgage business inside the bank than it was 15 years ago, and I think appropriately so, he said. The bank did not immediately respond to a Reuters request for comment on the report. to find a branch near you. Go to any Wells Fargo branch to find a branch near you. Checking account, savings account, debit or ATM card fraud: Personal accounts 1-800-869-3557. Mail the payment to the address included on your statement or call. While you are waiting for your kit, you may mail your deposits to Wells Fargo, PO Box 77200 Minneapolis, MN 55480. Youll be able to avoid late payments by doing so. Another option is to purposefully schedule a period of the month when you can commit to making bill payments. But like most banks, Wells Fargo takes a breather on Sundays and holidays. Monthly mortgage or rent payment amount; Personal Loan information. What follows is a look at 3 proven strategies you can use to have late mortgage payment information scrubbed from your credit report. credit cards including account services, Wells Fargo Online, lost cards, billing statements, payment options, and more. With our automatic mortgage payment options, you can schedule recurring withdrawals timed to match your paycheck cycle. Keep reading to learn about Wells Fargo's weekly and holiday schedules. Case in point: you could see your credit score take a hit if you dont make payments on schedule. Not enrolled for Wells Fargo Online? All youll need to do is sign up as per the following steps: If you want to make a mortgage loan payment over the phone, dial 1-800-357-6675. The company declined to state how many jobs were shed on Thursday. Mike Santomassimo, the COO, told investors in October that the home lending business will remain challenging in the near term, and that executives were focused on managing costs. Visit anytime you have a question or concern about your account. It comes with a $15 monthly service fee, but you can avoid this by maintaining a $10,000 minimum balance, having at least $1,000 in direct deposits each month or linking a Wells Fargo home mortgage. 2022 Thomson/Reuters. Get statements and more for any eligible business account, including checking, savings, and credit and debit cards. Seleccione el enlace si desea ver otro contenido en espaol. Other restrictions may apply. Enrolled, but don't see your account? To make a payment by phone, call us at 1-800-357-6675. 2006-2022 HW Media, LLC. Automatic loan payments each month is an option you may sign up for. Active duty military service Wells Fargo Auto Attn: Correspondence Support 6200 Park Avenue, First Floor Des Moines, IA 50321-1270. NMLSR ID 399801, Online Banking with Wells Fargo Business Online, verify, add, or change your email address. Sign on to Wells Fargo Online and access Contact Us through the Security & Support tab. Seleccione el enlace si desea ver otro contenido en espaol. If you prefer, you can pay online, pay by mail, or pay in person at a Wells Fargo branch. This coupon should be retrieved from your latest mortgage statement. was resolved on Jan 23, 2021. Since the middle of 2020, when the firm became the first major bank to resume layoffs following a pause at the onset of the COVID-19 pandemic, hes brought the workforce down by 13% and ceded the title of the U.S. bank with the biggest workforce to JPMorgan. Receive breaking news and original analysis - sent right to your inbox. You can then visit the branch to make an in-person mortgage payment. Become a business insider. Youll want to go with the most ideal option for you. Wont fix it back. Learn the specific estate planning documents you need to protect yourself and your loved ones. The Wells Fargo cross-selling scandal is a controversy brought about by the creation of millions of fraudulent savings and checking accounts on behalf of Wells Fargo clients without their consent. The lender may, if you do not wish to sign on for automatic payments, recommend another way for you to potentially get your late payment erased from your credit report. Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on LinkedIn (Opens in new window), Click to email a link to a friend (Opens in new window), Click to share on SMS (Opens in new window). Is your new address outside of U.S. borders? Moving the Housing Market Forward. You will need to have the following information available when you call: When mailing in your payment, ensure that the payment coupon is included inside the envelope. The financial services provider can be reached via phone at (866) 249-3302 , via email at investorrelations@wellsfargo.com , or via fax at 302-636-5454 . Before turning to the ways to pay your Wells Fargo Mortgage bill, its a good idea to determine how much your monthly payment will be on your home loan. Find an ATM or banking location near you. Newsmax, Moneynews, Newsmax Health, and Independent. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Mail the payment to the address included on your statement or call 1-800-357-6675 to find out where to send the payment. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. Home Mortgage Wells Fargo Home Mortgage P.O. Where does it fit in?, Your email address will not be published. This article will focus on how to manage your online mortgage payments and what to do if you run into any difficulties. All rights reserved. When gathering the data, we do everything possible to present the information in a precise and accurate way. After you start the enrollment process, you will have 21 days to complete it. Several other rounds of cuts have taken place since the beginning of the year as origination volume has plummeted. News of the fraud became widely known in late 2016 after various regulatory bodies, including the Consumer Financial Protection Bureau (CFPB), fined the company a combined . It is April 2019. The latest complaint Refi of home mortgage. Payment requests to persons not already enrolled with Zelle must be sent to an email address. Help from a representative is available from Monday to Friday, from 6 am 10 pm Central Time or on Saturday, from 8 am 2 pm Central Time. * You may also find our Travel Tips and Debit Card Questions pages helpful for information about traveling with your debit card. if the address is the same as the borrowers . Wells Fargo's vision is to satisfy our customers' financial needs and help them succeed financially. Branch Locator: Wells Fargo has an average consumer rating of 3 stars from 1595 reviews. Wells Fargo & Co. has cut hundreds of jobs in its mortgage business across the country, Bloomberg News reported Thursday, citing people familiar with the bank's plans. Box 10335 Des Moines, IA 50306-0335, Online Customer Service Wells Fargo Customer Service P.O. The next option at your disposal is to write a letter, known as a goodwill letter, to Wells Fargo Mortgage. This will ensure that your bill is automatically paid each month from the account you choose. Note, that none of the information presented on our website was approved or reviewed by a mortgage issuer. All company and product names are trademarks or registered trademarks of their respective owners. Wells Fargo Home Mortgage P.O. How big do you want to be? To dispute a Wells Fargo charge, log in to your Wells Fargo account online and search for the transaction to dispute, or call Wells Fargo customer service at 1 (800) 390-0533.Alternatively, the address to dispute a charge by mail is: Wells Fargo Card Services PO Box 51193 Los Angeles, CA 90051-5493 Higher inflation and rapidly rising mortgage rates have started to weigh on the housing market as buying homes becomes costlier, hitting what was until last year a booming industry. Reach out to your lender by phone right away, and acknowledge that your payment was submitted past the deadline. You will save time since auto-pay is convenient. You can get this by using an app, by getting your mortgage company to send an alert or reminder by email, or even by using Google calendar. The latest reductions in the banks mortgage unit add to thousands already made by Wells Fargo this year. Wells Fargo is one of the biggest banks in the U.S., with $1.9 trillion in assets. If youre already enrolled in card alerts, we will do our best to transfer your alert subscriptions to your new card number. Bloomberg first reported the news of the layoff, which is just the latest round of cuts for a lender thats been open about its retreat from the upper echelon of the mortgage rankings. Welcome to Wells Fargo Home Mortgage. Wells Fargo & Co. cut hundreds more mortgage employees Thursday, the latest in a series of reductions across the industry after higher interest rates brought the pandemic-era home-lending boom to a halt. The latest reductions in the lender's mortgage unit add to thousands already made by Wells Fargo this year, the Bloomberg report said. When you do get approved for a Wells Fargo home loan, youll want to avoid any late payments. Co-borrower First name Last name . Street (line 2) City State . Beneficiary Bank Address: 1 Home Campus Des Moines IA 50328 Special Information for Beneficiary: Apply funds to: XXX loan XXXXXXXXXX Wells Fargo Home Mortgage Attn: Payoffs, MAC F2302-045 1 Home Campus Des Moines IA 50328; Deadline (drop-off only): 5:30 pm Central Time; Theres no monthly or per transaction cost for using your accounts online. Scharf, whos battled a series of controversies related to alleged minority borrowing discrimination and unethical hiring practices, citedlending standardsfor conforming loans set byFannie MaeandFreddie Macas one of the reasons for reducing its mortgage footprint. Wells Fargo Checking Account Fees Wells Fargo checking monthly maintenance fees are $10 for Everyday Checking, $5 for Clear Access Banking, $15 for Preferred Checking and $30 for Portfolio Checking. |, 30 Year Fixed Mortgage Rates Payment Calculator, Alternative Ways to Pay Wells Fargo Mortgage Bills, What to Do if I Made a Late Wells Fargo Mortgage Payment, How to Avoid Late Wells Fargo Mortgage Payments, Cardinal Financial Mortgage Payment Options, Commercial Real Estate Bridge Loan. With auto-pay, you can automate the entire process of paying bills. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. Enroll now, Enrolled, but don't see your account? To receive email notifications when your business documents are ready, make sure to. If you need assistance from a representative, we're available Monday Friday, from 7 am 10 pm Central Time and Saturday from 8 am 2 pm Central Time. The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. Personal. Naveg a una pgina que no est disponible en espaol en este momento. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO Score available, and enrolled in Wells Fargo Online . As has been mentioned, you can steer clear of such problems by checking into your account regularly. Its shutting it down, How boutique lender Revolution Mortgage plans its expansion, ATTOMs Rick Sharga on a data-driven housing industry, Best practices to speed up the appraisal process, Former mortgage broker sentenced to 5+ years for $8M loan fraud scheme, Preparing for 2023: What an Unprecedented Year in Mortgage has Taught Us, Social media strategies brokerage leaders can implement today to drive profitability, Modernizing origination to stay competitive in todays housing market, Digital Closings Are Easier Than You Think: Busting 5 Common Lender Misconceptions, How to gain more customers in a shrinking market. Simply enroll to set up a username and password to access your accounts online. Save my name, email, and website in this browser for the next time I comment. If you need assistance from a representative, we're available Monday - Friday, from 6 am - 10 pm Central Time or Saturday, from 8 am - 2 pm Central Time. Once youre satisfied that everything is correct, submit the payment. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. Otherwise, you will have to start all over again. Stephanie at president office has Been awful to work with. The length of time the specific product statements are available online can be found in Wells Fargo Online in Statements & documents. The banks automated payment system is available 24/7. You could, if youre not monitoring the inflows and outflows of money in your bank account, overdraw your account. For customers who select the Wells Fargo Business Card Rewards cash back program: To earn the one-time $300 cash back bonus, a total of at least $3,000 in qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, SUPERCHECKS TM and welcome check WELLS FARGO MORTGAGE BILL PAYMENT OPTIONS, Update: Wells Fargo Mortgage Payment - 2020.12.23, You can make mortgage loan payments anytime you want from, Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). American. Availability may be affected by your mobile carrier's coverage area. Wells Fargo has resolved 623 complaints. Selecione Cancele para permanecer en esta pgina o Contine para ver nuestra pgina principal en espaol. Information and views provided are general in nature and are not legal, tax, or investment advice. If you want to make a mortgage loan payment over the phone, dial. Wells Fargos mortgage banking noninterest income came in at $324 million in the third quarter, an increase from $287 million in the previous quarter, but a decrease from $1.2 billion in the same period of 2021. Protects you from loss caused by damage related to heavy rain, coastal storms, melting snow, and more. But if you use. Ask us about linking your home equity line of credit to your Wells Fargo ATM card so you can make payments by transferring funds from your checking account. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO Score available, and enrolled in Wells Fargo Online .Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but To make a payment by phone, call us at 1-866-820-9199. The reductions took place across the country, according to people familiar with the plans, who asked not to be identified discussing private information. 1. Youre not allowed to pay your mortgage bill with a credit card. This will help you to know when it might be a good idea to made additional payments to reduce the principal quicker. If you don't have your statement handy, Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. Wells Fargo is not affiliated with nor does it maintain control over any other company offering products, services, or policies. Wells Fargo, the third-largest U.S. mortgage lender by volume through the first three quarters of the year, originated $21.5 billion in Q3 2022, a 37% decline quarter-over-quarter. 2019 - 2021 MortgageCalculator.Guru. Wells Fargos operations include personal, small business and commercial services. Box 560948 Charlotte, NC 28256, Branch Locator: https://www.wellsfargo.com/locator/, Make an Appointment: https://appointments.wellsfargo.com/maa/appointment/topic, Instagram https://www.instagram.com/wellsfargo/, Facebook https://www.facebook.com/FifthThirdBank, LinkedIn https://www.linkedin.com/company/wellsfargo/, Pinterest https://www.pinterest.ca/wellsfargo/, YouTube https://www.youtube.com/user/wellsfargo. Selecione Cancele para permanecer en esta pgina o Contine para ver nuestra pgina principal en espaol. Youll need to key in your username and password to finalize the sign-up process. The address where your payment is processed varies from state to state please mail to the address on your statement. 1999 - 2022 Wells Fargo. to speak with a bank representative. Our automated payment service is available 24 hours a day, 7 days a week. Online Statements requireAdobe Acrobat PDF reader. General Banking 1-800-869-3557 24 hours a day, 7 days a week, Wells Fargo Online 1-800-956-4442 24 hours a day, 7 days a week, Corporate Offices Wells Fargo 420 Montgomery Street San Francisco, CA 94104, Home Mortgage Wells Fargo Home Mortgage P.O. No more will you have to take the time to sit down, write up a check, write your address and the address of the mortgage lender on the envelope, put on a stamp, and put the envelope in the mail. You can visit any Wells Fargo branch to make payments to your home equity account or to set up recurring payments. Your email address will not be published. It has an expansive loan product portfolio as well as online processes that make it easier to apply for a mortgage loan. We basically process the applications according to guidelines that the GSEs tell us we should, Scharf said. Additional Information. A last will ensures your property is passed according to your wishes when you pass away. Scharf also argued in June that depository banks are held to higher standards than nonbank mortgage lenders. 1999 - 2022 Wells Fargo. In addition to checking and savings, there are also debit and prepaid cards, as well as credit cards. The address where your payment is processed varies from state to state please mail to the address on your statement. This credit card program is issued and administered by Wells Fargo, N.A. 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