| S.No. | Nature of Credit Facilities | |||||||
|---|---|---|---|---|---|---|---|---|
| Priority | Non Priority | Priority | Non Priority | |||||
| 1 | CC (Stock, Book Debts) | KCCB-1 B | 8.25% | 8.25% | KCCB-1 | 8.40% | 8.65% | |
| Inland Bill Purchase / Bill Disc | KCCB-2 B | 8.35% | 8.35% | KCCB-2 | 8.65% | 8.90% | ||
| Secured Loan (MSMEs) | KCCB-3 B | 8.50% | 8.50% | KCCB-3 | 8.90% | 9.15% | ||
| Machinery Loan | KCCB-4 B | 8.80% | 8.80% | KCCB-4 | 9.35% | 9.60% | ||
| Working Capiral Demand Loan | KCCB-5 B | 8.95% | 8.95% | KCCB-5 | 9.85% | 10.10% | ||
| Working Capital Term Loan | KCCB-6 B | 9.10% | 9.10% | KCCB-6 | 10.65% | 10.90% | ||
| KCCB-7 B | 9.25% | 9.25% | KCCB-7 | 11.15% | 11.40% | |||
| KKCCB-8 B | 9.50% | 9.50% | KCCB-8 | 11.65% | 11.90% | |||
| 2 | Secured OD (excluding Real Estate activity) | |||||||
| Priority – SOD | Non Priority – SOD/SL | Priority – SOD | Non Priority – SOD/SL | |||||
| KCCB-1 B | 8.45% | 8.70% | KCCB-1 | 8.60% | 8.85% | |||
| KCCB-2 B | 8.55% | 8.80% | KCCB-2 | 8.85% | 9.10% | |||
| KCCB-3 B | 8.70% | 8.95% | KCCB-3 | 9.10% | 9.35% | |||
| KCCB-4 B | 9.00% | 9.25% | KCCB-4 | 9.55% | 9.80% | |||
| KCCB-5 B | 9.15% | 9.40% | KCCB-5 | 10.05% | 10.30% | |||
| KCCB-6 B | 9.30% | 9.55% | KCCB-6 | 10.85% | 11.10% | |||
| KCCB-7 B | 9.45% | 9.70% | KCCB-7 | 11.35% | 11.60% | |||
| KCCB-8 B | 9.70% | 9.95% | KCCB-8 | 11.85% | 12.10% | |||
| SOD ROI will be 0.25% higher than the above stipulated ROI, if applicant 1) does not create our charge on Current Assets by affixing RS.300/- Stamp Duty 2) does not agrees to submit Stock and Book Debts statements on a yearly basis and 3) not obtain insurance as per regular practice. |
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| 3 | Vyapar Mitra (Small Business OD & Small Business Term Loan) — SBOD / SBTL/ Saral SBOD/ Saral SBTL |
For Exposure Up to 100 lakhs | 8.15% | |||||
| For Exposure above 100.00 lakhs and upto RS 300.00 lakhs | 8.45% | |||||||
| All Exposure above Rs 300.00 lakhs | As per ICR | |||||||
| — (*) Means, SBOD / SBTL max upto Rs. 300.00 lakhs but Borrower exposure exceeds Rs. 300.00 lakhs. Saral SBOD/Saral SBTL max upto Rs 50.00 lakhs but Borrower exposure exceeds Rs 50.00 lakhs | ||||||||
| — It is permitted to obtain hypothecation agreement by affixing only Rs.300/- Stamp Duty, instead of 0.25% of loan amount. All other scheme related guidelines remains unchanged. | ||||||||
| Above ROI shall be applicable to New Borrowers as well existing effective from 01/07/2025. | ||||||||
| 4 | Pre-shipment and / or Post-shipment Export Finance | |||||||
| Priority Sector (With LC / Without LC) | 8.15% | |||||||
| Non-Priority Sector (With LC) | 8.40% | |||||||
| Non-Priority Sector (Without LC – other than Diamond / Jwellery Sector) | 8.65% | |||||||
| Non-Priority Sector (Without LC – Diamond / Jwellery Sector) | 9.65% | |||||||
| 5 | Real Estate / Builder Advances | |||||||
| With Collateral and DSRA | 12.50% | |||||||
| Without Collateral but with DSRA | 13.00% | |||||||
| 6 | Doctor Mitra Yojana | Upto 1 Crore | Above Rs. 1 Crore | |||||
| 8.50% / 8.75% | 8.75% / 9.00% | |||||||
| ROI shall be 8.50% for advances upto Rs.1 crore & 8.75% for advances above Rs.1 crore, if following criterias are fulfilled; else 8.75% ROI advances upto Rs.1 crore and 9.00% ROI for advances above Rs.1 crore: (i) Immovable property to the extent of total advances sanctioned is mortgaged in favour of Bank. (ii) Promoters’ contribution is more than 25%. (iii) Application belonging to doctors having good practice and track record will be eligible to get such benefit. Average DSCR should not be less than 1.50. (iv) Doctor must obtain various services like Saving Bank accounts of staff of the hospital, Demat account, Lockers, Car Loan, Home Loan, Current Account of Hospital etc. from our Bank only. (v) In case of take over of such account, Bank will charge pre payment penalty of 2%. (vi) Fulfillment of above mentioned conditions will be evaluated on regular intervals. |
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| 7 | Greenfield Advance | RATING CRITERIA & ROI (Applicable from 19/07/2023) | ||||||
| Credit Rating | Priority | Non Priority |
Clarification: 1) Highly qualified person means the person is having master degree or professionally Qualified. 2) if proprietor/ atleast 50% of Partner/ Directors having experience then no need to take experience of Guarantor, Otherwise consider expriance of Guarantor subject to guarantor is close relative. |
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| KCCB-1 | 8.75% | 9.00% | ||||||
| KCCB-2 | 9.00% | 9.25% | ||||||
| KCCB-3 | 9.25% | 9.50% | ||||||
| KCCB-4 | 9.95% | 10.20% | ||||||
| KCCB-5 | 10.45% | 10.70% | ||||||
| KCCB-6 | 11.00% | 11.25% | ||||||
| KCCB-7 | 11.50% | 11.75% | ||||||
| KCCB-8 | 11.75% | 12.00% | ||||||
| *ROI to Newly Incorporated Units for setting up new business will be governed by Credit Rating of associate concern if the associate concern is in the same line of Industry. *Advance of exposure up to Rs. 100.00 Lakhs(Greenfield Advance) has option to select ROI as per Greenfield Credit Rating Model or security coverage ratio (in subsequent years, Credit Rating Model will be applicable as per their existing selection.) *Criteria for rating based on security coverage is as under: a.Security Coverage including cash collateral at or above 125%= KCCB 1GB @ 8.75% b.Security Coverage including cash collateral below 125% and above 100%=KCCB 2GB @ 9.00% c. Security Coverage including cash collateral at or below 100%= KCCB 3GB @ 9.50% * For Advance of exposure above Rs. 100.00 Lakhs(Greenfield Advance) applicable ROI as per Greenfield Credit Rating Model of associate concern with linked with security coverage ratio of greenfield unit as under: a.Security Coverage 100% or more @ ROI of associate b.Security Coverage 75% to 100% @ ROI of associate + 0.25% c. Security Coverage less than 75.00% @ ROI of associate + 0.50% * If borrower has delibrately hidden some facts by submitting fake documents or Diversion of Funds or Serious irregularity are observed which effects interest of the bank, the borrower’s account will be treated “KCCB-8” with retrospective effect. *Advance Granted to Builder Finance, LC, Bill Discounting, CC(Pledge), Export Fianance, TL & OD Under Doctor Mitra, Vyapar Mitra Yojna, LAP and all other individual Loans are outside the Purview of Internal Credit Rating. |
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| 8 | Secured OD & Secured Loan (excluding Real Estate activity) for Non MSME Units for other than business purpose – Non Priority | Upto Rs. 1 Crore | Above Rs. 1 Crore | |||||
| Rating | < Rs. 1 Crore | Rating | > Rs. 1 Crore | |||||
| KCCB-1 B | 10.50% | KCCB-1 | 9.90% | |||||
| KCCB-2 B | 10.60% | KCCB-2 | 10.15% | |||||
| KCCB-3 B | 10.75% | KCCB-3 | 10.40% | |||||
| KCCB-4 B | 11.05% | KCCB-4 | 10.85% | |||||
| KCCB-5 B | 11.20% | KCCB-5 | 11.35% | |||||
| KCCB-6 B | 11.35% | KCCB-6 | 12.15% | |||||
| KCCB-7 B | 11.50% | KCCB-7 | 12.65% | |||||
| KCCB-8 B | 11.75% | KCCB-8 | 13.15% | |||||
| Since given for non business activity, no charge over Current Assets applicable and therefore, 0.25% higher ROI shall not be applicable. Hence, above stipulated ROI shall be applicable. | ||||||||
| 9 | Secured Loan (Individuals) Both EMI & Non EMI | CIBIL Score | Upto Rs. 1 Crore | Above Rs.1Crore Upto 5 Crore | ||||
| FOIR 65% or less | FOIR > 65% | FOIR 65% or less | FOIR > 65% | |||||
| 750 & Above | 9.00% | 9.25% | 9.50% | 9.75% | ||||
| 700 to 749 | 9.25% | 9.50% | 9.75% | 10.00% | ||||
| 650 to 699, 0 / -1 / 1 to 5 | 9.50% | 9.75% | 10.00% | 10.25% | ||||
| Loan Upto Rs.100 lakhs – 0.25% concession in above case, if any of condition is complied :- 1) Margin available is equal to or more than 50% of Valuation or 2) Where applicant is Proprietor / Partner / Director in existing unit which is enjoying various credit facilities with us since last 2 years with satisfactory track record or 3) Individual is Professionally qualified (like Doctor / CA / CS / CWA / Architect etc..) No Concession based on above parameter for loan more than Rs.100 lakhs Conditions : 1) Against purchase of New property (Newly Constructed / Old Construction with residual life more than 20 years (To be certified by Paneled Valuer)). 2) Eligible Amount : 100% of Sale Deed amount or 60% of valuation of Property (Market Value). Valuation of property can be considered, on recent purchase, without any restriction. 3) Tenor : Maximum 7 years. |
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| 10 | CC (Pledge) | Priority | Non – Priority | |||||
| 8.75% | 9.75% | |||||||
| 11 | Foreign Bill Discounting under L/C for Cotton Bales / Yarns ( To the borrower who are not enjoying other FBWC limit and no additional security except, security as per scheme guideline) |
Other than Bangladesh | Bangladesh | |||||
| Sanction Limits | Prime Bank LC | 8.25% | 8.75% | |||||
| Non Prime Bank LC (Approved List) | 9.50% | 10.00% | ||||||
| Non Prime Bank LC (Other than approved list) | 10.75% | 11.25% | ||||||
| (Non Sanctioned limits) Restricted to our Bank | Other than Bangladesh | Bangladesh | ||||||
| Prime Bank LC | 8.75% | 9.25% | ||||||
| Non Prime Bank LC | 10.75% | 11.25% | ||||||
| Foreign Bill Discounting under L/C for Cotton Bales / Yarns on Bangladesh / Srilanka, ROI will be 0.50% more as compared to above matrix. CEO has been delegated powers for deciding ROI in range of 8.15% to 11.25% for Foreign LC Bills Discounting based on Country, Bank, Usance / Sight, Customer Standing etc | ||||||||
| 12 | Commercial Vehicle | Priority | Non – Priority | |||||
| 10.75% | 10.75% | |||||||
| 1) If existing borrower enjoying various credit facilities with us and has applied for commercial vehicle Loan for purchasing commercial vehicle for own business use then ROI as per Internal Credit Rating or applicable ROI, w.e. lower to be considered. 2) Associate Concerns of existing borrowers applied for Commercial Vehicle Loan for purchasing commercial vehicle for own business use then ROI as per Internal Credit Rating or applicable ROI, w.e. lower to be considered. |
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| 13 | CGTMSE (CC, TL for Machinery and Secured Loan for Construction) | Modules (Applicable from 01/05/2023) | ||||||
| Upto Rs. 1 Crore (Priority / Non Priority) |
As per ICR + 0.50% / 0.35% / 0.25% as applicable | |||||||
| Above Rs.1 Crore (Priority / Non Priority) |
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| Greenfield (Priority/ Non Priority) | ||||||||
| 14 | Lease Rental Discounting | |||||||
| ROI of 9.50% will be applicable when all of the following conditions are fulfilled; else 10.00%: (i) Lessee is reputed Corporate/ Institution/ Govt/ Semi Govt / PSUs/MNC/Established commercial organization/ Multinational companies/First class top Indian companies, etc. (ii) Min. Lease Agreement should be for 7 years. (iii) Min. Lock-in Period should be 3 years. (iv) Borrower should be sound entity with established other sources of revenue. (v) Ancillary benefits like SB a/cs, current a/cs, Retail Loan requirement of group & family to be maintained with us. (*Educational Institutions/ Trusts etc. will not be eligible for above mentioned ROI). |
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| 15 | LAP (Non Individual) | |||||||
| – Term Loan (both EMI & Non EMI) | ||||||||
| Margin: 50% or more | Term Loan (Margin 50% & Above) | |||||||
| Margin: Less than 50% | ||||||||
| Term Loan (Margin 40% to 50%) | ||||||||
| LAP Drop Down OD | Drop Down OD (Margin 50% & Above) | |||||||
| Margin: 50% or more | Drop Down OD (Margin 40% to 50%) | |||||||
| Margin: Less than 50% | ||||||||
| 16 | Renewable Energy (Solar Based Generation for Captive Consumption) | |||||||
| 17 | Take Over of Priority Sector Advances Under MSME Takeover Scheme | ABS/ CA Certified Balance sheet. In case of Non Auditable account, self certified B/s with IT Return |
ROI as per Repo Linked Scheme (Repo Rate 6.25% + Spread in each category) |
Regular Rate |
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| KCCB-1 | 5.50% | 3.50% | 9.00% | 8.40% | ||||
| KCCB-2 | 5.50% | 3.75% | 9.25% | 8.65% | ||||
| KCCB-3 | 5.50% | 4.00% | 9.50% | 8.90% | ||||
| KCCB-4 | 5.50% | 4.25% | 9.75% | 9.35% | ||||
| KCCB-5 | 5.50% | 4.50% | 10.00% | 9.85% | ||||
| The scheme will also be applicable to all cluster based advance accounts except Agro Based Advances Accounts considering full Internal Credit Rating instead of Cluster Rating, All other scheme related parameters remain unchanged. | ||||||||
| In case of takeover at existing level and/or with enhancement upto 50%, Existing ROI with Other Bank/FI Less 1.00% (Subject to Minimum 8.90%) or Rating as per Internal Credit Rating Scheme of the Bank, which ever is lower. | ||||||||
| In case of take over proposals with enhancement of limits beyond 50%, ROI shall be upto 1.00% lower than their existing ROI or ROI as per Internal Credit Rating, which ever is higher. | ||||||||
| In case of Multiple Banking Arrangement or Consortium Banking Arrangement, ROI shall be as per internal credit rating scheme,subject to ROI shall not be ROI of other Banks'(In case of Multiple Bank Arrangement) or consortium leader Bankers’ (In case of consortium arrangement). | ||||||||
| Customer opting for Repo Rate linked Interest Rate shall not have option to convert in Regular Rate Scheme. | ||||||||
| Takeover proposals shall be considered only for KCCB-5 and above rated borrowers(i.e. KCCB-1 to KCCB-5). | ||||||||
| As per MSME Takeover, no processing fees shall be charged in first year on takeover portion. The bank will charge processing fees on increase portion,as per Processing Fees Module. | ||||||||
| Waiver of PF is applicable in MSME Takeover Scheme only. If in case, where borrower agrees to pay full Processing Fees, We may sanction takeover in normal way without considering above conditions. | ||||||||
| *Change in Repo Rate from 6.25% to 5.50% will be effective from 01.07.2025. Revised Reduction in Repo Rate shall be applicable to all existing Repo Linked Advances w.e.f 01.07.2025 as well as to New Borrowers. | ||||||||
| 18 | KAL Saral Cash Credit and Machinery (Maximum Limit of borrower : Rs.25.00 Lakhs) |
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| Collateral By way of Undertaking | Rate based on ICR (minimum @ 9.00%) | |||||||
| No Collateral | Rate based on ICR+1.00% p.a (Minimum @ 10.00%) | |||||||
| S.No. | Nature of Credit Facilities | |||||||
|---|---|---|---|---|---|---|---|---|
| 1 | Home Loan (Repo linked) | |||||||
| Applicable to New Sanction w.e.f. 01/07/2025 | ||||||||
| * Repo Rate @5.50% + Respective Spread in each category .No further concession in ROI is permitted. | ||||||||
| **All existing borrowers may be benefited with reduced rates by paying conversion charge of 0.50% on o/s + undisb portion of HL + GST. Min of Rs.2500 and Max of Rs.25000 + GST this will be applicable for conversion of both Repo to Repo & Non-Repo to Repo). | ||||||||
| * Change in Repo Rate from 6.25% to 5.50% w.e.f 01.07.2025 to all existing Repo Linked Advances as well as to New Borrowers. | ||||||||
| 2 | Home Loan Top Up Term Loan Overdraft (Repo Linked Scheme) | |||||||
| Term Loan | Existing HL Rate + 0.30% (same for Repo scheme) | |||||||
| Overdraft | Existing HL Rate + 0.30% (same for Repo scheme) | |||||||
| Top Up scheme should be in line with Home Loan Scheme. | ||||||||
| ** All existing borrowers may be benefited with reduced rates by paying conversion charge of 0.50% on o/s + undisb portion of HL – Top up + GST. Min of Rs.2500 and Max of Rs.25000 + GST ( this will be applicable for conversion of both Repo to Repo & Non-Repo to Repo). | ||||||||
| *Change in Repo Rate from 6.25% to 5.50% w.e.f 01.07.2025 to all existing Repo Linked Advances as well as to New Borrowers. | ||||||||
| 3 | Car Loan (Repo Linked) | |||||||
| * Repo Rate + Respective Spread in each category * Loyalty Customers will continue to get concession of 0.20% in above mentioned Car Loan ROI. * Further concession of 0.25% is to be considered for borrower who opt repayment period upto 3 years, We are targeting high income individuals under this segment and therefore no EMI/NMI deviation will be permitted. * Further concession of 0.25% to be consiered for existing borrowers or their promoters with satisfactory repayment in past 12 months. * Hence, total benefit up to 0.70% can passed on to the customers. * Existing borrower are not permitted to switch over from regular scheme to REPO Scheme * In case of Car Loans to Non Individuals, (i.e. Car Loans in the name of Partnership Firm, Company etc.) Average CIBIL Score of all partners/directors should be considered for arriving ROI. * Repayment Tenor is revised to 5 years (60 months) from 15.01.2025. *Change in Repo Rate from 6.25% to 5.50% w.e.f 01.07.2025 to all existing Repo Linked Advances as well as to New Borrowers. |
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| 4 | Car Loan (New Fixed Rate product) | |||||||
| CIBIL Score | Up to 15 lakhs | 15 lakhs to 30 lakhs | More than Rs 30 lakhs | |||||
| 700 and Above, 0, -1, 1 to 5 | 8.55% | 9.00% | 9.50% | |||||
| * Fixed Rate Car loan is not available to the borrower who is having the CIBIL Score less than 700. * Existing Repo linked Car Loan is continued to be offered. * No concession related to EMI/NMI, CIBIL and others is permitted for Fixed Rate Car Loan. * All other existing guidelines related to Car Loan except mentioned above remains unchanged for Fixed Rate Car Loan. * Borrower having CIR score above 700, 0 to 5 and -1 have option to choose Repo linked Car Loan. * Processing Fees for Car Loan to be charged as per Circular No. HO/ Advance/ 64/2024-25 dated 20/11/2024. * Branch to open Car Loan (Fixed Rate) under product code 303F. * Repayment Tenor is revised to 5 years (60 months) from 15.01.2025. *Revision in ROI shall be applicable only to New Borrower, Sanctioned on or after 01.07.2025. |
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| 5 | Education Loan (Repo linked) | |||||||
| * Repo Rate + Respective Spread in each category * Loyalty Customers will get concession of 0.10% in above mentioned Education Loan ROI. * For deciding TOP 100 university for the purpose of ROI, it has been clarified that branches to take lower rank of www.timeshighereducation.com or www.webometrics.com. *Priority sector lending amount change as per circular Ref No: KCCB / HO / MIS / 03 / 2025-26. *Change in Repo Rate from 6.25% to 5.50% w.e.f 01.07.2025 to all existing Repo Linked Advances as well as to New Borrowers. |
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| 6 | Education Loan (New Fixed Rate Product) | |||||||
| * Customers will not any further concession in above mentioned Education Loan ROI. * All other existing guidelines related to Education Loan except mentioned as above remains unchanged. * Processing Fees for Education Loan to be charged as per Bank’s existing Guidelines, at present NIL. * Branch to open Education Loan (Fixed Rate) under product code 336F. *Priority sector lending amount change as per circular Ref No: KCCB/HO/MIS/03/2025-26 *Revision in ROI shall be applicable only to New Borrower, Sanctioned on or after 01.07.2025. |
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| 7 | KAL Two Wheeler Loan | |||||||
| 750 & above | 9.25% | 9.00% | ||||||
| 700 to 749 | 9.50% | 9.25% | ||||||
| 650 to 699, 0 to -5, -1 | 10.25% | 10.00% | ||||||
| < 650 | 10.75% | 10.50% | ||||||
| Existing Customers/Borrowers of the Bank who have Premium/ Privilege SB / CA a/c with our Bank since last -2- years ORenjoy any credit facility satisfactorily (other than FDOD facility) with our Bank for more than -2- years. OR Close Relatives/Employees of category (i), where Applicant is willing to give debit mandate for deduction of EMI from his/her salary account with our Bank or through NACH from their salary accounts with other Bank. OR Salaried Employees of various Org (Central Govt., State Govt., Central/State Govt. Boards, Public Sector Undertakings, Universities, Colleges, Schools, Reputed Companies, Large Dairy units, etc.), where the employer has agreed to deduct EMI from concerned employee’s salary and remit directly to our Bank. *Repayment tenor of loan must not exceeds 5 years (60 months). |
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| 8 | KAL Two Wheeler Loan (New Fixed Rate Product) | |||||||
| Existing Customers/Borrowers of the Bank who have Premium/ Privilege SB / Current a/c with our Bank(Since last two years-Waived) OR enjoy any credit facility satisfactorily (other than FDOD facility) with our Bank. OR Close Relatives/Employees of category (i), where Applicant is willing to give debit mandate for deduction of EMI from his/her salary account with our Bank or through NACH from their salary accounts with other Bank. OR Salaried Employees of various Organizations (Central Govt., State Govt., Central/State Govt. Boards, Public Sector Undertakings, Universities, Colleges, Schools, Reputed Companies, Large Dairy units, etc.), where the employer has agreed to deduct EMI from concerned employee’s salary and remit directly to our Bank. * Fixed Rate two wheeler loan is not available to the borrower who is having the CIBIL Score less than 700. *Repayment tenor of loan must not exceeds 5 years (60 months). *Revision in ROI shall be applicable only to New Borrower, Sanctioned on or after 01.07.2025. |
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| 9 | Share Pledge (under Regular Scheme) | |||||||
| 10 | OD / TL against Govt Securities | |||||||
| Exposure upto Rs.100.00 lakh against insurance policy in own name & CIC More than equal to 700/0 to 5 and -1 | ||||||||
| Other than above | ||||||||
| Against Govt Bonds (in Demat forms only) | ||||||||
| 11 | LAP (Individual) – Term Loan (both EMI & Non EMI) – Drop Down OD |
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| Term Loan (EMI / Non EMI) | Drop Down OD | TL (EMI / Non EMI) | Drop Down OD | |||||
| 800 & Above | 9.50% | 10.00% | 9.75% | 10.25% | ||||
| 750 to 799 | 9.75% | 10.25% | 10.00% | 10.50% | ||||
| 700 to 749 | 10.00% | 10.50% | 10.25% | 10.75% | ||||
| 650 to 699 / 0 to -1 | 10.75% | 11.25% | 11.00% | 11.50% | ||||
| Less than 650 | Not to be Entertained | Not to be Entertained | ||||||
| * No Proposals with FOIR above 65% can be considered and only in exceptional cases, the same may be considered with proper justification with applicable margin of minimum 50% instead of 40%. | ||||||||
| 12 | Unsecured Loan | |||||||
| 13 | Unsecured OD | |||||||
| 14 | Micro Finance (Minimum/ Maximum/ Average) | |||||||
| 15 | KAL Unsecured Education loan | |||||||
| 16 | KAL Unsecured Loan for Purchase of House/Flat | |||||||
| 17 | Kalupur Bank Saral Loan Yojna (KBSLY) | |||||||
| 18 | KAL Agri Overdraft (Individual Farmers) (Maximum Limit upto Rs.50.00 Lakhs) | |||||||
