Our Take. Liberty Federal Credit Union Personal Loans are for borrowers who want to borrow small amounts. Those who qualify can borrow $300 to $20,000 through Liberty Federal based on their income ...Homeownership Opportunities Program. Offers $8,000 in assistance to qualifying low- to middle-income buyers. Must be a first-time homebuyer. Requires a five-year retention agreement. Assistance is limited. Contact us about the Home Ownership Opportunities program today at (812) 469-9928 or 1-800-800-9271. Lost/Stolen ATM/Debit Card1-800-449-7728. Locations and Departments. Visit our Hours & Locations page to find the branch closest to you, find an ATM, or view holiday hours. Mortgage Department. Meet our Mortgage Team and find the mortgage expert who is right for you. 1st Liberty Federal Credit Union, at 310 West Main, Cut Bank Montana, is more than just a financial institution; 1st Liberty is a community-driven organization committed to …Liberty FCU Pre approval 1 yr Post BK · Discharged CH7 12/22. They soft pulled, not sure yet which bureau. · Their disclosure statement indicated ...Headquartered in Evansville, Indiana, Liberty FCU offers a wide footprint of branch locations throughout southern Indiana, western Kentucky, and the Greater ...Background. Liberty County Teachers Federal Credit Union headquarters is in Liberty, Texas has been serving members since 1960, with 1 branch from Main Office. The Main Office is located at 3712 North Main Street, Liberty, Texas 77575. Contact Liberty County Teachers at (936) 336-7236. Access Liberty County Teachers Federal Login, hours, … Contact Liberty First Credit Union Lincoln. Phone Number: (402) 465-1000. Toll-Free: (855) 501-4600. Report Phone Problem. Address: Liberty First Credit Union Lincoln East Branch 8400 Lexington Avenue Lincoln, NE 68505. Website: 1st Liberty Federal Credit Union was chartered on Jan. 1, 1955. Headquartered in Great Falls, MT, it has assets in the amount of $163,227,060. Its 19,758 members are served from 7 locations. Deposits in 1st Liberty Federal Credit Union are insured by NCUA. 3 1st Liberty Federal Credit Union Branch locations in Great Falls, MT. Find a Location near you. View hours, phone numbers, reviews, routing numbers, and other info. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration is a U.S. Government Agency. Equal Housing Lender. NMLS# 518136. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.To get a free annual credit report, visit AnnualCreditReport.com, the centralized website for obtaining consumer credit reports from the three nationwide credit reporting agencies,... Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration is a U.S. Government Agency. Equal Housing Lender. NMLS# 518136. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Once you’ve signed up and logged in to the First Federal Online Banking portal, you’ll be able to: View real-time account balances. Make real-time transfers between accounts. Pay Bills Online. Set up Account Alerts. View check copies. Make real-time payments on First Federal loans. View Credit Card Activity. 121 1st Ave SE P: (406) 434-2848 ... National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act. Routing & Transit #: 292977349 Lost/Stolen Debit Card: 1-800-824-0585 Option 5 ...1st Liberty Details. Credit Union 1st Liberty Federal Credit Union. Charter Number 10375. Year Chartered1955. Address6200 3rd Avenue North. City, State, ZipGreat Falls, MT 59405. Peer Group5 - $100,000,000 to less than $500,000,000. Field of Membership TypeMultiple Common Bond – Primarily Military. Routing Number (ABA …Civil liberties are fundamental individual rights that are protected by the government, and they include freedom of speech, religion, and assembly. In America, these liberties have...It’s free, easy to use, and available now within online banking and Liberty FCU Mobile. Log on today to get started! For assistance with Money Management, you may contact our eServices department using our Live Chat option in online or mobile banking, or call us at (800) 800-9271, option 2. Liberty Federal Credit Union -.121 1st Ave SE P: (406) 434-2848 ... National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act. Routing & Transit #: 292977349 Lost/Stolen Debit Card: 1-800-824-0585 Option 5 ... All of our Personal Checking accounts come with free online banking and bill pay*, free e-statements, free mobile and telephone banking, a free MasterCard® Check Card and unlimited check writing. Kasasa Cash ®. Level One & Two. Kasasa Tunes ®. Lifestyle Free. 50Plus Lifestyle. Free Initial MasterCard® Debit Card. Learn More. 15 reviews of Liberty Federal Credit Union "I recently attempted to obtain a home loan through ETFCU and had a very poor experience that resulted in me going elsewhere. Kevin Herdes was the loan agent I was in contact with. After submitting a credit check form, I hadn't received any news back in almost a week so I attempted to call several times and …C/O 1st Liberty FCU P.O. Box 5002 Great Falls, MT 59406-5002 or ... National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act. Routing & Transit #: 292977349 ...Offers $8,000 in assistance to qualifying low- to middle-income buyers. Must be a first-time homebuyer. Requires a five-year retention agreement. Assistance is limited. Contact us about the Home Ownership Opportunities program today at (812) 469-9928 or 1-800-800-9271. Learn More Apply Today. To become a member, you must make a deposit of $25.00 to a primary share and maintain that balance going forward. This entitles you to one share of the credit union and allows you the opportunity to take part in membership meetings, vote for your Volunteer Board of Directors and other important credit union business. Earn dividends monthly. Offers $8,000 in assistance to qualifying low- to middle-income buyers. Must be a first-time homebuyer. Requires a five-year retention agreement. Assistance is limited. Contact us about the Home Ownership Opportunities program today at (812) 469-9928 or 1-800-800-9271. Learn More Apply Today.121 1st Ave SE P: (406) 434-2848 ... National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act. Routing & Transit #: 292977349 Lost/Stolen Debit Card: 1-800-824-0585 Option 5 ...Aug 2, 2023 · About this app. arrow_forward. 1st Liberty FCU Mobile Banking allows you to check balances, view transaction history, transfer funds, deposit checks, and pay loans on the go! Features: - Check Balances. - View Transaction History. - Transfer Funds. - Pay Loans. - Secure Messaging for support. iPhone. iPad. 1st Liberty FCU Mobile Banking allows you to check balances, view transaction history, transfer funds, deposit checks, and pay loans on the go! Features: - Check Balances. - View Transaction History. - Transfer Funds. - Pay Loans. - Secure Messaging for support. 1st Liberty Federal Credit Union Branch Location at 505 10th Ave S, Great Falls, MT 59405 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews. Full-Service Office. (812) 481-8620. (877) 926-9101. 4316 N Newton St Jasper, IN 47546. Schedule an Appointment. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration is a U.S. Government Agency. Equal Housing Lender. NMLS# 518136. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Whether you are buying your first home, looking to upgrade, refinancing to a lower payment or planning some home improvements, 1st Liberty has a home loan for you. Our mortgage loan experts are dedicated to helping …Offers $8,000 in assistance to qualifying low- to middle-income buyers. Must be a first-time homebuyer. Requires a five-year retention agreement. Assistance is limited. Contact us about the Home Ownership Opportunities program today at (812) 469-9928 or 1-800-800-9271. Learn More Apply Today.Effective July 1st, 2023, Fort Bragg Federal Credit Union will officially become Fort Liberty Federal Credit Union. This renaming decision reflects the credit union’s ongoing commitment to deliver on its mission to provide exceptional financial services to our 40,000 military and civilian members. While it represents an important and symbolic ...2 reviews of 1st Liberty Federal Credit Union "Dear Reader, I now bequeath you with the gift of my experience of having lived in various communities on or near the Hi-Line between Cut Bank and Havre between 2012 and present: 1st Liberty Federal Credit Union is the best you're going to get. Be glad they exist. Please give them your patronage.1ST LIBERTY FEDERAL CREDIT UNION. Dec, 31, 2023 — 1ST LIBERTY FEDERAL CREDIT UNION is a federal credit union headquartered in GREAT FALLS, MT with 7 branch locations and about $211.72 million in total assets. Opened 69 years ago in 1955, 1ST LIBERTY FEDERAL CREDIT UNION has about 15,477 members and …With you every step of the way. To schedule your no-cost, no-obligation appointment, please contact Liberty Wealth Services at. (812) 469-9909 or you may submit an appointment request online.With so few reviews, your opinion of 1st Liberty Federal Credit Union could be huge. Start your review today. Overall rating. 2 reviews. 5 stars. 4 stars. 3 stars. 2 stars. 1 star. Filter by rating. Search reviews. Search reviews. Lindy A. Houston, TX. 33. 99. 228. 7/17/2013. First to Review. Best bank in town! Friendly, fast and always a ...ENT Credit Union is a leading financial institution in Colorado, offering a wide range of banking services to its members. Whether you’re looking for a loan, a credit card, or simp...Supervisory Committee. 1st Liberty is served by a Supervisory Committee that is responsible for conducting audits, resolving member disputes, and reviewing the credit union’s financials. Members can report perceived Credit Union rule or policy violations, unethical behavior, and complaints not resolved by management directly to the ...Get more information for 1st Liberty Federal Credit Union in Great Falls, MT. See reviews, map, get the address, and find directions. Search MapQuest. Hotels. Food. Shopping. Coffee. Grocery. Gas. 1st Liberty Federal Credit Union. Opens at 9:00 AM. 2 reviews (406) 761-8300. Website. More. DirectionsYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration is a U.S. Government Agency. Equal Housing Lender. NMLS# 518136. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration is a U.S. Government Agency. Equal Housing Lender. NMLS# 518136. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. 1st Liberty Federal Credit Union Cut Bank. 310 W Main St, Cut Bank, Montana 59427 (406) 873-221315 reviews of Liberty Federal Credit Union "I recently attempted to obtain a home loan through ETFCU and had a very poor experience that resulted in me going elsewhere. Kevin Herdes was the loan agent I was in contact with. After submitting a credit check form, I hadn't received any news back in almost a week so I attempted to call several times and …1st Liberty Federal Credit Union was chartered on Jan. 1, 1955. Headquartered in Great Falls, MT, it has assets in the amount of $163,227,060. Its 19,758 members are served from 7 locations. Deposits in 1st Liberty Federal Credit Union are insured by NCUA.1st Liberty Federal Credit Union Branch Location at 505 10th Ave S, Great Falls, MT 59405 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews.Background. Liberty First Credit Union headquarters is in Lincoln, Nebraska has been serving members since 1935, with 6 branches and 5 ATMs. The Main Office is located at 501 North 46th Street, Lincoln, Nebraska 68503. Contact Liberty First at (402) 465-1000. Access Liberty First Credit Union Login, hours, phone, financials, and additional ...1st Liberty Federal Credit Union. 310 W Main St Cut Bank MT 59427. (406) 873-2213. Claim this business. (406) 873-2213.Contact Liberty First Credit Union Lincoln. Phone Number: (402) 465-1000. Toll-Free: (855) 501-4600. Report Phone Problem. Address: Liberty First Credit Union Lincoln East Branch 8400 Lexington Avenue Lincoln, NE 68505. Website: 3 1st Liberty Federal Credit Union Branch locations in Great Falls, MT. Find a Location near you. View hours, phone numbers, reviews, routing numbers, and other info. About this app. arrow_forward. 1st Liberty FCU Mobile Banking allows you to check balances, view transaction history, transfer funds, deposit checks, and pay loans on the go! Features: - Check Balances. - View Transaction History. - Transfer Funds. - Pay Loans. - Secure Messaging for support.6200 3rd Avenue North Great Falls, MT 59405. Open Today: 9:00 am - 5:00 pm. Branch Details. The interactive map showcases all 1st Liberty branches located in and around the Great Falls, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of 1st Liberty Federal locations ...Your tax return could make that new home down payment possible! You can also receive up to a $500 gift card with a Liberty FCU mortgage. Mortgage Loan Products. Whether you are buying your first home, looking to upgrade, refinancing to a lower payment or planning some home improvements, 1st Liberty has a home loan for you. Our mortgage loan experts are dedicated to helping you find the loan to fit your needs. Great Rates. Competitive Closing Costs. 1st Liberty Federal Credit Union is a member owned financial cooperative dedicated to providing exceptional service and products through it's professional, knowledgeable staff. We strive to exceed member expectations, create overall value and promote thrift in an e Read More. 1st Liberty Federal Credit Union's Social Media.Mortgage Loan Products. Whether you are buying your first home, looking to upgrade, refinancing to a lower payment or planning some home improvements, 1st Liberty has a home loan for you. Our mortgage loan …Credit Union: 1st Liberty: Branch: Cut Bank Branch: Address: 310 W Main St , Cut Bank, MT 59427-2831: County: Glacier: Branch Type: Branch Office: Contact Number: 406-873-2213: ... ACH Routing Numbers are used for direct deposit of payroll, dividends, annuities, monthly payments and collections, federal and state tax payments etc.Find your nearest 1st Liberty Federal Credit Union branch or ATM using our interactive search tools. 1st Liberty has 7 branches across Montana, offering a wide range of …Aug 2, 2023 · About this app. arrow_forward. 1st Liberty FCU Mobile Banking allows you to check balances, view transaction history, transfer funds, deposit checks, and pay loans on the go! Features: - Check Balances. - View Transaction History. - Transfer Funds. - Pay Loans. - Secure Messaging for support. The Russian Federation is one country. Although the Union of Socialist Soviet Republics (USSR) consisted of multiple countries, with Russia being the most dominant, this no longer ...Fax: (910) 960-0356. Report Phone Problem. Address: Fort Liberty Federal Credit Union Hefner Branch 4172 Hefner Drive Fort Liberty, NC 28310. Website: Visit Website. Online Banking: Fort Liberty Federal Login.1st Liberty Federal Credit Union, at 310 West Main, Cut Bank Montana, is more than just a financial institution; 1st Liberty is a community-driven organization committed to …1ST LIBERTY FEDERAL CREDIT UNION: Address: (Main Office) 6200 3rd Ave N GREAT FALLS, MT 59405-1528: Phone: (406) 761-8300: Fax: (406) 761-8305: Website: …You can browse through all 9 jobs First Liberty Federal Credit Union has to offer. slide 1 of 3. Full-time. FTTeller. Great Falls, MT. $16.00 - $16.50 an hour. Easily apply. 11 days ago. Full-time.Liberty FCU offers four business checking accounts to meet the needs of any business. Liberty Federal Credit Union offers a variety of checking accounts to meet the specific needs of both large and small businesses and organizations. Each account type offers free online banking and bill pay. We began offering the business checking account types ... Freedom Teller Online Banking/Online Bill Pay. Check your balances. See your account history. Transfer funds between checking and savings and make loan payments. Pay your bills. View and print copies of cleared checks. View and print your monthly statements. Aug 30, 2023 ... The North side of Jasper was buzzing on the afternoon of Tuesday, August 29, 2023 as the Chamber of Commerce held a ribbon cutting ceremony ... Includes Discount of 0.50% APR for automatic loan payments from a Liberty First Credit Union account. Borrowers lose Discount if they fail to meet qualifications during the loan term. Rate is not available for loans already financed at LFCU. 48-month estimated monthly payment $23.02 per $1,000.00 borrowed, 60-month estimated monthly payment $19 ... Get more information for 1st Liberty Federal Credit Union in Grand Forks, ND. See reviews, map, get the address, and find directions. Search MapQuest. Hotels. Food. Shopping. Coffee. Grocery. Gas. 1st Liberty Federal Credit Union. Permanently closed. 1 reviews (701) 772-9519. Website. More. DirectionsAs the 9 th largest credit union in Montana 1st Liberty Federal Credit Union stewards over $215.04 Million in assets and proudly serves over 16,000 loyal members. With over …The 1st Liberty Federal Credit Union is located in Cut Bank with zip code of 59427. You will find the details for this branch with the hours of operation, phone numbers, address and driving directions. 1st Liberty Federal Credit Union Address. Cut Bank 310 W Main St Cut Bank, MT 59427 ...Nov 30, 2021 · All of the staff is very courteous and responsive. My loan officer was very knowledgeable, friendly, and helpful with my loan. She took care of me quickly and easily. Date of experience: December 09, 2023. Reply from Liberty First Credit Union. Dec 27, 2023. Set up Overdraft Protection Transfer from another deposit account you have at Liberty First Credit Union. In the event of an overdraft, available funds will be automatically transferred to your checking account. Transfer fee applies. This type of transaction falls under Regulation D of the Board of Governors of the Federal Reserve System and is ...Liberty FCU offers online banking, checking and savings accounts, credit cards, loans, and insurance services. Earn points and rewards with every purchase and enjoy low rates …Get more information for 1st Liberty Federal Credit Union in Great Falls, MT. See reviews, map, get the address, and find directions. Search MapQuest. Hotels. Food. Shopping. Coffee. Grocery. Gas. 1st Liberty Federal Credit Union. Open until 6:00 PM. 1 reviews (406) 761-8300. Website. More. DirectionsLiberty First Credit Union Arena Rent a Suite for an Upcoming Event! Apr. 28, 2024 @ 7:00 PM. Apr. 28, 2024 at 7:00PM. Liberty First Credit Union Arena Rent a Suite for an Upcoming Event! Banquet Hall NE Mystic Expo. Banquet Room May 4 - 5, 2024. May 4 - 5, 2024. Banquet Hall ...Be the first one to share your experience. 1st Liberty Federal Credit Union Branch Location at 6200 3rd Ave N, Great Falls, MT 59405 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews.1st Liberty Federal Credit Union is a member owned financial cooperative dedicated to providing exceptional service and products through its professional, knowledgeable staff. … In Montana 1st Liberty has a Community Charter which includes: Persons who live, regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered in Cascade, Pondera, Teton, Chouteau, or Glacier Counties in Montana. Persons participating in programs to alleviate poverty or distress which are ... For a list of commands, text "HELP" to 454545. If you need assistance in setting up Text Banking, call us at910-487-2232or toll-free at 866-793-5328. If you have Text Banking already activated at another financial institution, you may not be able to activate it with Fort Liberty Federal Credit Union. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration is a U.S. Government Agency. Equal Housing Lender. NMLS# 518136. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.
Evansville Teachers Federal Credit Union, doing business locally as Liberty Financial, has topped Investopedia’s list of the best credit unions in the country in one category.. And in addition .... Pay cash
3 1st Liberty Federal Credit Union Branch locations in Great Falls, MT. Find a Location near you. View hours, phone numbers, reviews, routing numbers, and other info. Our Take. Liberty Federal Credit Union Personal Loans are for borrowers who want to borrow small amounts. Those who qualify can borrow $300 to $20,000 through Liberty Federal based on their income ...With you every step of the way. To schedule your no-cost, no-obligation appointment, please contact Liberty Wealth Services at. (812) 469-9909 or you may submit an appointment request online.Liberty Federal Credit Union headquarters is in Evansville, Indiana (formerly known as Evansville Teachers Federal Credit Union) has been serving members since 1936, with 36 branches and 28 ATMs. The Main Office is located at 4401 Theater Drive, Evansville, Indiana 47715. Contact Liberty at (812) 477-9271. Access Liberty Federal Login, hours ...For a list of commands, text "HELP" to 454545. If you need assistance in setting up Text Banking, call us at910-487-2232or toll-free at 866-793-5328. If you have Text Banking already activated at another financial institution, you may not be able to activate it with Fort Liberty Federal Credit Union.Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The National Credit Union Administration is a U.S. Government Agency. Equal Housing Lender. NMLS# 518136. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Contact Liberty First Credit Union Lincoln. Phone Number: (402) 465-1000. Toll-Free: (855) 501-4600. Report Phone Problem. Address: Liberty First Credit Union Lincoln North Branch 5101 N 27th Street Lincoln, NE 68521. Website: 121 1st Ave SE P: (406) 434-2848 F: (406) 424-8840. ... National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act. Routing & Transit #: 292977349. Lost/Stolen Debit Card: 1-800-824-0585 Option 5 ...Your credit union membership could result in some nice savings. Get your free quote today or call 1-855-483-2149. TruStage™ is the marketing brand for the Auto & Home Insurance Program made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. Discounts are not available in all states and discounts ...121 1st Ave SE P: (406) 434-2848 ... National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act. Routing & Transit #: 292977349 Lost/Stolen Debit Card: 1-800-824-0585 Option 5 ...C/O 1st Liberty FCU P.O. Box 5002 Great Falls, MT 59406-5002 or ... National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act. Routing & Transit #: 292977349 ...121 1st Ave SE P: (406) 434-2848 ... National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act. Routing & Transit #: 292977349 Lost/Stolen Debit Card: 1-800-824-0585 Option 5 ... First Liberty Federal Credit Union. 401 Smelter Ave NE Great Falls, MT 59404-1927. 1; 2 > Location of This Business PO Box 5002, Great Falls, MT 59403-5002. BBB File Opened:9/24/2007. Liberty FCU can help you get the extra cash you need by letting you postpone up to two monthly loan payments* per year without hurting your credit! To participate, simply submit your skip-a-payment application. A $35 processing fee for each deferred loan payment will be added to your loan balance. Available for use twice per year–once in ...Our History. 1st Liberty Federal Credit Union was founded by Robert "Scotty" Scott and the co-founders: William Dawson, Joel Taylor, Morgan Moyer, Billie Brankovich, Ehud Markel, Kenneth Platt, and M.B. Holt. In June 1955 your credit union was chartered as Great Falls Air Force Base Federal Credit Union. The credit union started with only 54 ...With major instability in banking and unprecedented failures and buy-outs, it may feel like the only safe place to put your money is under your pillow. While even through buy-outs ...1st Liberty Details. Credit Union 1st Liberty Federal Credit Union. Charter Number 10375. Year Chartered1955. Address6200 3rd Avenue North. City, State, ZipGreat Falls, MT 59405. Peer Group5 - $100,000,000 to less than $500,000,000. Field of Membership TypeMultiple Common Bond – Primarily Military. Routing Number (ABA … iPhone. iPad. 1st Liberty FCU Mobile Banking allows you to check balances, view transaction history, transfer funds, deposit checks, and pay loans on the go! Features: - Check Balances. - View Transaction History. - Transfer Funds. - Pay Loans. - Secure Messaging for support. Mortgage Loan Products. Whether you are buying your first home, looking to upgrade, refinancing to a lower payment or planning some home improvements, 1st Liberty has a home loan for you. Our mortgage loan experts are dedicated to helping you find the loan to fit your needs. Great Rates. Competitive Closing Costs. Evansville Teachers Federal Credit Union, doing business locally as Liberty Financial, has topped Investopedia’s list of the best credit unions in the country in one category.. And in addition ....