Scotiabank credit card gambling. 5% tax rate for people with incomes between $49,020 to $98,040 - after taxes, your $100. Scotiabank credit card gambling

 
5% tax rate for people with incomes between $49,020 to $98,040 - after taxes, your $100Scotiabank credit card gambling  Banking fees can vary based on the accounts you have and how you use them

Canadian Banks That Allow Online Gambling with Local Sites Only. Payments . Points are redeemed for FREEPLAY and Express Comps for use on rooms, dining, and. 1 No annual fee in the first year, including on additional cards. 6% total fee, $4. Download the TTRW App to view menus. Alerts sent when your credit card or line of credit has been authorized. Scotiabank AERO* Platinum MasterCard®. Peace of mind. PaysafeCard offers prepaid online payments mainly in the form of vouchers, which come with a 16-digit PIN code. 50% - 27. Scotiabank Service Centre. If you have an Eligible Account, we may choose to deposit your annual cash back reward into the Eligible Account. $29 annual fee. • The cash back payout is calculated on eligible Card purchases, less returns, for the 12 month period referred to above (“Net Purchases”). Minimum Spend requirement. Scotiabank Gold American Express® Card. The bonus offer may be changed, extended or withdrawn at any time without notice. See further details on Credit cards. Scotiabank Platinum American Express. (min. APPLY NOW. This is a very flexible card that comes with a lot of benefits and is appropriate for people in the following situations: You want a card with no FX fees – You’ll save the standard 2. Welcome to. Best travel Scotiabank credit card. A Cash-Like Transaction is treated as a Cash Advance. This customer will receive 2 entries- one for spend of JM$15,000 and the other for JM$8,000. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted. Congratulations on accepting and consenting to your Scotia Momentum Visa Infinite card. Outside Canada / USA. #3 888Casino. Based on average Canadian. Traveling on business? Whatever your needs, Scotiabank has a credit card to suit your lifestyle. Credit Balance Administration fee 5. Scotiabank No Fee Visa® Classic gives you all the benefits of Visa® with no annual fee for the first year, and none ever if your purchases amount to an average of at least TTD $1,250 monthly. Learn more about VISA card fees and VISA card interest rates. The merge of Scotia Rewards and SCENE programs Earn points with banking packages Earning Scene+. . #3 888Casino. Order a new card. Open a No-Fee Bank Account between October 1st and December 31st, and you could win a $2,500 pick-your-tech prize. 99% cash advances. Founded in 1832 in Halifax, the bank has been running for quite some time and is larger than CIBC by market capitalization, annual revenue, total assets and number of employees. Apply. Card types & rates. Scotia SelectPay™ is a new way to convert credit card purchases into fixed monthly installment payments. The Select Pay transactions must be maintained open (not paid off) until March 1 st ,2023 or longer. Set up one eligible automated recurring direct deposit, like a payroll or pension, that recurs for 3 months in a row. Make your moves with us, this Christmas. Choose a Scotia SelectPay installment plan (3-, 6- or 12-month plan) and review the applicable fees and/or interest. Also sent when your credit card has been authorized for a credit voucher. Earn 2X the Scene+™ points for every $1 you spend on all your eligible purchases 1. Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. tt. Enjoy 24/7 concierge service 3. S dollar foreign currency conversion fee. Cash advance fees will be charged for any credit card transactions involving the purchase of items directly converted to cash (also referred to as quasi-cash/ cash-like transactions) Examples: casino gaming chips, travellers, cheques money orders, wire transfers, foreign exchange trading and gaming including off track, race track and casino gaming. On the date of Your Scotiabank Credit Card Protection application: • You must be a Resident in Canada; • You must be a minimum of eighteen (18) and under seventy (70) years of age; • You must be the Primary Borrower on an eligible Credit Card; • You have agreed to the terms and conditions of the Scotiabank Credit Card Contract; andScotiabank Credit Card Centre. 20 J$0. All you have to do is call the activation hotline listed on the card Most activation hotlines are automated and open 24/7. Scotiabank American Express credit card accounts are not presently accepted for the purchase of lottery tickets or gaming chips. Rating . Scotiabank Passport Visa Infinite. Scotiabank Customer Service: 1-800-472-6842. Contact Equifax and TransUnion, the two credit bureaus in Canada, and ask them to put a fraud alert on your credit report. Passport infinite Is $139 secondary fee is waived. Scotiabank® Scene+™ Visa* Card for Students. Choose the eligible purchase you want to convert into a SelectPay plan. Authorized under section 58(3) of the Betting Gaming and Lotteries Act of Jamaica. Scotiabank is the most international of Canada's banks, with about 43% of revenue from outside of Canada. Instead of showing multiple pieces of identification, use Interac verification service with participating businesses from your computer or mobile. 5% and 3% when you use them overseas, say on a vacation in Europe or during your semester abroad. Use your credit card to get your kids ready for the new school year. Call us. high street bookmakers and track bookmakers. As of Dec. 00. Scotiabank's StartRight ® program allows you to be eligible for your first credit card with a limit of up to $15,000, without providing a credit history beforehand. Rates are effective as of November 3, 2008, subject to change without notice. Remember: never share your password, PIN or verification codes with anyone. 1. Security. 13. 00. 00. Learn more and apply for Mastercard at Scotiabank Jamaica. Promotion valid from July 17th to Sept 8th, 2023. With Scotia OnLine, you can: Pay bills*. RBC ION Visa. Technically the Ultimate Package is double in price (from $16. • ®Cash advances, including Scotia Credit Card Cheques, balance transfers from other cards or loans, interest, account payments, fees, service charges and purchase returns do not qualify for Scotia. Investing. And Scotiabank is big, with over 900 locations in Canada, $1,184. Updated Jan 25, 2021 Fact checked Historically, credit card companies didn’t allow gambling transactions to be processed on their cards but nowadays you can use your credit card for gambling. Scotiabank Gold American Express® Card. Use your credit card to get your kids ready for the new school year. 92 becomes $80. Scotiabank follows a more regulated approach when it comes to online gambling transactions. General inquiries. D. * Benefits offered by Mastercard®, for details please contact Mastercard LAC Services Help Desk 24 hours a day, 365 days a year at 1-904-636-2576 or [email protected] prizes will be credited as a cashback to the applicable credit cards by October 14 th, 2022. Scotiabank Momentum Visa Infinite. This card is Scotiabank’s low-interest rate card that works well for consolidating credit card debt at a lower interest rate. 99% cash advances. Pay tuition fees, purchase a new laptop or, shop for books, stationery, new shoes and uniforms. Ranking the 4 Best Credit Cards for Online Gambling in 2023 – Why Visa is the Top Option. (ii) Any flights from the originating regions mentioned on the chart above would be priced for redemption as per the points mentioned in the table. cash-like transactions and Scotia Credit Card Cheques) • Purchases: 20. See moreThe wallet can be funded over the counter at your local bank, With an online Scotiabank account, credit cards or debit cards. Get details. Overall, the Scotiabank Gold American Express Card seems to be a good fit for your needs, particularly with the rewards structure, no foreign transaction fees, and annual fee rebate. Scotiabank is one of the best financial institutions in Canada to get a credit card from. ScotiaLine Rates and Fees. That could make a significant dent in your debt!Interac † verification service is a secure and fast way to confirm your identity when applying for products and services like bank accounts and phone plans, or accessing your credit score or insurance benefits online. Contact us to learn more about Gold Mastercard benefits today!Call your credit card issuer (or check online) to confirm your balance is $0. $115 foreign transaction fee savings on foreign currency purchases. No foreign transaction fees. Remember my username or card number. online casino and bingo. The appeal of this card and other Scotiabank Scene+ credit cards is how easy it is to earn points. Credit cards. Supplementary card annual fees: Scotiabank Gold American Express Card $29, Scotiabank American Express Card $15, ScotiaGold Passport VISA card $30. Scotiabank Credit Card Rates and Fees Jamaica Your Scotiabank credit cards are subject to certain rates and fees. PLUS, 5 customers who spend $1,000 or more will WIN $2,000 cash back, each. “Credit Limit” means the maximum amount you can borrow under a credit account as disclosed on your Disclosure Statement (including your statements) The Scotia Momentum Visa Infinite Card is an ideal credit card for daily use, paying up to 4% cash back on purchases and offering very good travel insurance. An elite service that assists you with making dinner reservations, purchasing tickets to events, arranging dream vacations, coordinating business arrangements worldwide, locating hard-to-find items, and buying and delivering hard to find gifts. Escape and relax with the perks of accessing remarkable value and a superior benefit. Pre-Trip Assistance provides you information about your destination. Compare cards with our Mastercard® Benefits Comparison Chart. The bank is known for its unwavering intolerance of Scotiabank Visa online gambling deposits and bank wire withdrawals. $1,000. Scene+ points can be redeemed for travel at a value of 1 cent per point meaning that 10,000 Scene+ points would have a value of $100 towards travel. No U. Visa Infinite* card and all its features and benefits. View more card details. Contact Scotiabank Jamaica today to learn how & apply!When your credit card expires, the process of activating and setting up the replacement card is simple. Open a new Scotia Momentum® Visa Infinite* credit card account by October 31, 2023 to qualify. Debit Cards details. Help Centre - credit cards FAQs; Digital banking guide - credit cards. Both of Scotiabank’s business credit cards, as well as the Scotialine for Business Visa Card, offer unsecured credit limits of up to $150,000. $0 /year. Earn 2 Scene+ points 5 for every $1 spent on purchases made at Cineplex. 99% after that; annual fee $29). A lot of the free transfers for the savings account is only to another Scotiabank account (be it chequing or savings). Call us. The Scotiabank Scene+ Visa card is widely considered to be one of the best no-fee credit cards available to Canadians. Features: TTD $225 Annual Fee. 24/7 access to funds at ATMs worldwide. Waived first year. Visa Debit lets you get more from your debit card because you can shop online and safely pay directly from your bank account. com) Additional Cards. 25. Save up to hundreds of dollars a year on interest. Credit card welcome kits. If you obtain a new Scotiabank product (i. ca. Based on our review, the Neo Secured Card is currently the best secured credit card in Canada. Pay with your ScotiaCard the same way as you would a credit card. Earn double the reward whenever you use your Scotiabank MAGNA MasterCard along with your MAGNA Rewards card. If you have optional Scotia Credit Card Protection Insurance 3 on your Account, it will be automatically transferred over to your new Scotia Momentum® No-Fee Visa* Card. Safety and security of not carrying cash. Mon-Fri (8am-6pm) 888-4-SCOTIA (726842) Scotiabank Mastercard provides you with all the Global convenience and benefits you want in credit card. high street casinos, bingo halls and arcades. Scotiabank AAdvantage Mastercard®. For example, if a Cardholder in Jamaica does 3 transactions, one for JMD$15,000, another for JMD$25,000 and another for JMD$44,000, this customer will receive 2 entries in the Promotion - one for the spend of JMD$25,000 and the other for JMD$44,000. Apply for a Scotia Plan Loan (SPL), refinance your existing one, or apply for a NEW credit card. Below average in customer satisfaction: Scotiabank ranks 7th out of 13 banks in J. Talk to one of our Relationship Managers about Scotiabank’s Corporate and Commercial Banking solutions. Welcome to. Call us. Mobile Banking is fast, secure, convenient and accessible on your smartphone or tablet from anywhere in the world. Earn 6 Scene+ points2 on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more. 00%, min $300. JackpotCity. Get the goods when you shop with Visa Debit. Annual Fee: $250 (annual travel credit can be applied to reduce the fee) Other Benefits and Drawbacks: For $250 (or $150 if you apply the annual travel credit), this card unlocks a lot of. Scotiabank MAGNA Mastercard®. Top-up your Digicel mobile, anywhere, anytime. Bahamas. Safe and immediate from your mobile device; In addition, you can consult in real time: • Current balance. com) You can order additional cards at any time. Websites. No need to worry about due dates or missed payments. 92 thanks to EQ. If the issuer of your credit card doesn’t accept gambling as allowable charges, check the gambling website’s frequently asked. Optional Scotia Credit Card Protection insurance. 00. It's easy for you to find out your credit card balance, minimum payment, due date and more. Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). 2 Scotiabank Passport Visa Infinite Card You are awarded two (2) Scene+ Points for every $1. At 12. Additional 40Kpts when you make a purchase between 14 and 17 months. They have cards with. How-to top-up your mobile. 99% on cash advances (including balance transfers, Scotia Credit Card Cheques and cash-like transactions) Minimum credit limit 3. I'm new to Scotiabank but have been banking with a few other banks for about a decade now, and the past couple of weeks have really opened my eyes. In other words, a Scotia Rewards member can redeem 10,000 rewards points for $100 in value toward air fare, hotels, rental cars, cruises, or vacation packages. Source: in London a lot. Scotiabank Scene+ Visa vs. Although this card is aimed at people who like movies, the card is much more versatile. Enter your ScotiaCard debit card number, expiry date, and your 3 digit security code found on the back of your card. Scotiabank will use Visa's new Visa Installments solution to meet Canadians' increasing demand for flexible payments. Visa and Mastercard : The Mastercard and Visa are sometimes available for TD gambling investments and cashing out money. Scotiabank Platinum American Express ® Card. Each entry will qualify the Cardholder to be entered in to win one (1) cashback prize. This Promotion is open to legal residents of The Bahamas, aged 18 years of age or older, who hold an eligible Scotiabank credit card with the exception of employees of the Bank, its respective parent companies (The Bank of Nova Scotia and Bank of Nova Scotia Group) and subsidiaries; their immediate family members (spouses, parents, children, siblings and their respective spouses) and/or those. That means you can use your points for things such as movies, travel, gift cards, and. (min. Whether you need advice on customised borrowing solutions for your new or used vehicle, your home renos or large purchases; we listen, so every plan is tailored to your unique needs. 16 hours ago · The Easiest Way To Stop Gambling And Start Investing. A Cash-LikeEligibility · This Promotion is open to legal residents of Guyana aged 18 years of age or older, who hold an eligible Scotiabank credit card with the exception of employees of the Bank, its respective parent companies (The Bank of Nova Scotia and Bank of Nova Scotia Group) and subsidiaries; their immediate family members (spouses, parents, children,. 12. Annual fee: $0; APR: 19. As a result, only transactions between players and certain local online gambling providers are allowed. Scotiabank Jamaica supports opportunities for the children and communities in which we live and work, building a brighter future for everyone. Scotiabank Mastercard Credit Card Accounts. Mastercard is accepted at about two-thirds of the world’s gambling websites, but about three-fifths of all Canadian transactions are met with rejection. 99% on cash advances; Special offer: Up to 12,000 bonus Scene+ points within the first year of card membership. Your No-Fee Scotiabank Value® Visa* credit card account (“Account”) will be changing to a lower interest rate of 12. Up to US$200 per occurrence Purchase Protection. I’ll give you two recent examples from my accounts. The Bank of Nova Scotia, commonly known as Scotiabank, is also one of Canada’s leading banks. 99% • Cash Advances: 22. 1 day ago · Titan EVO Gaming Chair. 00. J$300) Return charge cheque J$950 J$950 J$950 Credit card cheque 7% of amount 7% of amount 7% of amount JM_R&F_AllCards_10-16The Scotiabank Passport Visa Infinite Card is the best no foreign transaction fee credit card for those who don’t want to hold multiple credit cards. Open a new Ultimate or Preferred Package account between November 1 st and February 29 th, 2024. a. Edit 2: Tangerine offers free Interac E-transfers too. It has no annual fees, and you earn rewards typical of a premium credit card, including: Up to 5% cash back at thousands of Neo partner stores. account, credit card) after signing to Scotia Online Banking, your accounts will be automatically available for view and to transact on through both Scotia OnLine and Scotia Mobile Banking. Compare. CIBC Aeroplan® Visa Infinite Card. All charges are inclusive of Financial Services Tax 15% unless stated otherwise. Eligibility · This Promotion is open to legal residents of Trinidad and Tobago 18 years of age or older, who hold an eligible Scotiabank credit card with the exception of employees of The Bank, its respective parent companies (The Bank of Nova Scotia and Bank of Nova Scotia Group) and subsidiaries; their. This customer will receive 2 entries- one for spend of JM$15,000 and the other for JM$8,000. Terms, conditions and exclusions apply. Scotia Momentum. No Charge. He wanted a Visa that has no annual fee, so he got their Scene+ Visa card. Rates and fees are subject to intermittent. 99% purchases / 22. When you call, you will be prompted to enter your card number followed by the # key. You can: Enjoy peace of mind with fixed interest rates over the term of the loan. However, make sure to have a backup Visa or Mastercard for situations. 31, 2021, SCENE and Scotia Rewards merged to become Scene+. For lost or stolen Scotiabank credit cards, call us at 1-800-472-6842 ( 1-800-645-0288 for TTY service). 20 J$0. 4, 2021 /CNW/ - Scotiabank announced today the launch of Scotia SelectPay ™*, a new payment solution for eligible Scotiabank Visa* credit cards that provides customers with the option to convert purchases made. 5% fee that most credit cards charge on foreign currency transactions. 5,000 Scene+ points ($50 value) for new Scotiabank® Scene+™ Visa* Card customers 1,250 Scene+ points ($12. Power’s 2023 Canada Credit Card Satisfaction Study [1]. What is Scene+? How to redeem Scene+ points? How to use Scene+ card? Find all frequently asked questions and answers here. Gives 20Kpts when you make a referral. Top 1 . 50 value) for new customers who combine the products above with a new MomentumPLUS Savings Account30,000. Low Moneyback reward tiers make it easier to earn even more rewards. Eligibility · This Promotion is open to legal residents of Guyana aged 18 years of age or older, who hold an eligible Scotiabank credit card with the exception of employees of the Bank, its respective parent companies (The Bank of Nova Scotia and Bank of Nova Scotia Group) and subsidiaries; their immediate family members (spouses, parents, children, siblings and their respective spouses) and. 4. Card types & rates. Need help signing in?Fees, rates & other information. com . foreign currency, travelers cheques, money orders and gaming chips. Credit Card Application Checklist; Mastercard® Credit Life Protection; Tools and Advice. To convert a credit card purchase: 1. 00 or the amount of credit balance. Learn more about Momentum No-Fee Visa Card. 99% on purchases. Earn 2X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys. 2. 1. To ensure your financial needs. The Scotiabank Gold Amex has quickly become one of the most popular credit cards in Canada due to the high earn rate. A Cash-Like Transaction is treated as a. BetOnline. Earn 6 Scene+ points for every $1 you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more, 5 Scene+ points per $1 spent on eligible grocery, dining and entertainment purchases, 3 Scene+ points per $1 spent. Terms, conditions and exclusions apply. Interest rates. Get help with your Scotiabank account and find answers to common questions. BBD $115 Annual Fee. Bonus Points on first transaction EVER converted to Select Pay; 1,500 AERO points for purchases between TTD$1,700-$7,000 or 5,000 AERO points for purchases TTD$7,000+. Capital One SavorOne Cash Rewards Credit Card (see rates and fees) Target RedCard™. At Scotiabank, we are committed to helping you better understand the terms and conditions associated with your revolving credit products and any updates or changes that we make to them. Casino. * Benefits offered by MasterCard®, for details please contact MasterCard LAC Services Help Desk 24 hours a day, 365 days a year at 1-904-636-2576 (or lac_services_helpdesk@mastercard. Cash advances, including Scotia® Credit Card Cheques, balance transfers from other cards or loans, quasi-cash transactions (which are purchases that can be converted to cash, such as wire transfers,Program Card Account: The Scotiabank credit card account that is linked to the Program Card. Click on the eligible transaction you want to convert into a SelectPay™ plan. 95 /mth. (also referred to as quasi-cash/ cash-like transactions) Examples: casino gaming chips, travellers, cheques money orders, wire transfers, foreign. If you obtain a new Scotiabank product (i. It's quick, easy and free to set up! Just contact your nearest Branch or call us at (868) 627-2684. money orders and gaming chips. Depositing and withdrawing information. Accept All. Step 1 - Insert your Credit Card and enter PIN. Eligibility · This Promotion is open to legal residents Trinidad and Tobago, and Barbados 18 years of age or older, who hold an eligible Scotiabank credit card with the exception of employees of the Bank, its respective parent companies (The. Select your eligible Scotiabank Visa credit card and tap the Scotia SelectPay icon. 22. Scotiabank Visa; Scotiabank Gold VISA; Scotiabank Gold MasterCard; Scotiabank AERO Platinum MasterCard; Scotiabank AAdvantage VISA; The Platinum Card® American Express; Credit Card Installments. Book an appointment. 1. Scotiabank MasterCard provides you with payment flexibility and worldwide acceptance. Scotia rewards are more flexible when it comes to redeeming. Going abroad is easy with a US dollar cash back card that provides international purchasing power. Cash advance fee. Here are the bonus reward categories with the card: 3X Points and Tier Credits per $1 spent at MGM Rewards Destinations. Visa credit card holders will only be deemed eligible for winning if they opened the promotional email. Points can be redeemed for travel by booking through Scene+ Travel or by applying them to travel purchases made to a Scotiabank credit card. Here's how the Moneyback reward program works:RBC Avion Visa Infinite. Here’s why. 10 hours ago · Now, 18 games into their season, the Oilers sit at 5-12-1 for 11 total points and . Scotiabank Gold American Express. News; Gaming-Friendly Banks. Review and agree to the SelectPay Terms and Conditions. com. “Scotiabank Visa FIFA Women World Cup Campaign 2023”. Depending on the credit card and features, you earn an accelerated amount of Scene+ points. . We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage. 00. Relay service calls are always accepted at all of the following numbers. *Platinum Mastercard®‡ credit card. Menu. Credit card interest rates. Applied for and activated a new Scotiabank Credit Card and spent $7,000 on eligible credit card transactions by January 31 st, 2023. Scotiabank. $20. $100 cash offer for new Student Banking Advantage ® Plan customers; 5,000 Scene+ points ($50 value) for new Scotiabank ® Scene+ TM Visa *. 20 lucky customers will WIN $10,000 cash back †, each. Select “Convert your transactions". Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. The premium for Single Life & Critical Illness coverage is only 53 cents /$100 of my outstanding balance. *Terms, conditions and exclusions apply. 22. Enter your name, billing and shipping information, as required. Personally, the Momentum VI works better for me but if you travel a lot, spend a lot of foreign. ScotiaLine. Pay tuition fees, purchase a new laptop or, shop for books, stationery, new shoes and uniforms. To qualify for the 5,000 bonus Scene+ points make at least $750 in everyday eligible purchases in your first 3 months. Get 24/7 access to your money by using Scotia ATMs, the Scotia Caribbean App or. Scotiabank Gold Mastercard®. Scotiabank Gold American Express. But the temptation of access to quick cash can loom large. Borrowing. Bank Wire Transfer: Many banks will not allow you to conduct Scotiabank credit card gambling, but instant banking payments are a good choice. Online Shopping. CIBC Aeroplan® Visa Infinite Card. Popular questions. $200 travel credit. 10% cash back for the first 3 months, first year free ( terms) Best perks Scotiabank credit card. Variable. Report fraud. Outside Canada / USA. To qualify for the special offer, make sure to: 1. A ScotiaCard ® debit card is the easy way to pay. Banking for Seniors. Annual fee. Updated. Call 1-800-387-6466 (Canada/USA) Call (416) 288-1440 (Greater Toronto, outside. 7 lucky customers will WIN $3,000 cash back †, each. Scotiabank to PaysafeCard. 99% cash advances. View more card details. Earn an additional 0. Use code: META50. 99% after. Probably the best known Canadian bank offering zero foreign transaction fees on its credit cards is Scotiabank. Other Definitions that you should know: Cardmember or Scotia Rewards. Pay for lotto tickets, buy casino chips or play poker online and just about every gambling institution accepts credit cards. During separation, you're not legally responsible for your spouse's debts. It’s free to download and use the app. Welcome to Debit Card Casino, Canada's best source for information on online casinos, sports books and other betting sites. Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each). Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. Call us. 1.