As your Good Neighbor Bank, our mission is to make our communities better places to live, work, and raise a family. We appreciate your patience and understanding throughout the past year. We will continue to do our best to keep our neighbors safe and healthy. If you have any questions or concerns, please contact us at 1-802-757-2361. Shoe Store in Wells River, Vermont: Date: 29 August 2010, 07:41:44: Source: originally posted to Flickr as Wells River, Vermont: Author: Doug Kerr: Permission (Reusing this file) This image, which was originally posted to Flickr, was uploaded to Commons using Flickr upload bot on 2 September 2010, 04:45 by Pauk. On that date, it …Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office 3088 US Route 5 East Thetford, VT 05043 Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office 3088 US Route 5 East Thetford, VT 05043 Get rewards like earning a high rate on your balance, refunds on you ATM withdrawal fees, and more with a rewards checking account from Wells River Savings. Automated Tellerphone 888-275-9772 Customer Care 800-371-2361Wells River Savings Bank is happy to announce: ... Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office Wells River Savings Bank has great careers in Wells River, Newbury, Bradford, Fairlee and East Thetford, VT. Apply Today! Automated Tellerphone 888-275-9772 Customer Care 800-371-2361 OFFICE DETAILS. Wells River Savings Bank Newbury branch is one of the 6 offices of the bank and has been serving the financial needs of their customers in Newbury, Orange county, Vermont for over 16 years. Newbury office is located at 4976 Main Street South, Newbury. You can also contact the bank by calling the branch phone number at 802-866-5617. Wells Fargo Bank, N.A. Member FDIC. QSR-0423-03296. LRC-0423. Manage your bank accounts using mobile banking or online banking. With the Wells Fargo Mobile® app or Wells Fargo Online® Banking, access your checking, savings and other accounts, pay bills online, monitor spending & more.15 results ... From Business: Operational for more than 150 years, Wells River Savings Bank offers a range of personal and business banking products and services for ...Important: Swift Codes or BICs of Wells River Savings Bank are used ONLY for International Wire Transfers. If you are doing only domestic payments then you only need routing number of Wells River Savings Bank instead of swift codes. Some International wires require an IBAN number, but bank accounts in USA do not have an IBAN.Wells Fargo analyst Brian Fitzgerald maintained a Buy rating on Take-Two (TTWO – Research Report) today and set a price target of $132.00.... Wells Fargo analyst Brian Fitzge...Wells River Savings Bank provides banking services. The Bank offers savings, cards, loans, and online banking services. Wells River Savings Bank serves clients in the United states.Wells River Savings Bank was established on Jan. 1, 1892. Headquartered in Wells River, VT, it has assets in the amount of $168,932,000. Its customers are served from 6 locations. Deposits in Wells River Savings Bank are insured by FDIC.Wells Fargo vs U.S. Bank: Fees. Both Wells Fargo and U.S. Bank accounts have relatively high service fees, but they can easily be waived by … Call Center 9 Main Street N. Bradford, VT 05033. Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051 Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office 3088 US Route 5 East Thetford, VT 05043This question is about the Wells Fargo Cash Wise Visa® card @hectormolina • 11/04/22 This answer was first published on 02/18/20 and it was last updated on 11/04/22.For the most cu...Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT …Wells River Savings Bank. December 11, 2018 ·. The online and mobile banking update is complete. The Customer Care Center will be available until 7pm for any …Vice President, Human Resources at Wells River Savings Bank. Mike Simpson is a Vice President, Human Resources at Wells River Savings Bank based in Bradford, Vermont. Previously, Mike was a Director, Human R esources at Cottage Hospital and also held positions at Lallemand, Grafton County, NVRH, Vermont Expos. Read More. View …Irrigation schemes play a crucial role in ensuring sustainable agriculture and efficient water management. The first and most fundamental component of an irrigation scheme is the s...Homes for Sale, Property Search in Wells River/Woodsville areas. We offer Buyer/Brokerage and Seller/Brokerage. We are located close to several major ski ...Wells River Savings Bank Bradford branch is one of the 6 offices of the bank and has been serving the financial needs of their customers in Bradford, Orange county, Vermont since 1988. Bradford office is located at 223 Main Street, Bradford. You can also contact the bank by calling the branch phone number at 802-222-4210Wells River Savings Bank's annual revenue is $19.0M. Zippia's data science team found the following key financial metrics about Wells River Savings Bank after extensive research and analysis. Wells River Savings Bank has 70 employees, and the revenue per employee ratio is $271,428. Wells River Savings Bank peak revenue was … Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office 3088 US Route 5 East Thetford, VT 05043 A Wells Fargo Certificate of Deposit (CD) offers an alternative way to grow your savings. You choose the set period of time to earn a guaranteed fixed interest rate, regardless of market conditions. Investing in a CD can provide peace of mind whether you're saving for tomorrow, next year's projects, college tuition, or retirement. OFFICE DETAILS. Wells River Savings Bank Newbury branch is one of the 6 offices of the bank and has been serving the financial needs of their customers in Newbury, Orange county, Vermont for over 16 years. Newbury office is located at 4976 Main Street South, Newbury. You can also contact the bank by calling the branch phone number at 802-866-5617. Get directions, reviews and information for Wells River Savings Bank in Fairlee, Town of, VT. You can also find other Banks on MapQuestFinancial Advisor, Osaic Institutions, Inc. 47 Main St. North. Wells River, VT 05081. 802-757-7997. [email protected]. Check the background of this investment professional BrokerCheck by Finra. … Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office 3088 US Route 5 East Thetford, VT 05043 Wells River Savings Bank offers a wide array of mortgage products including secondary market mortgages and services to qualified borrowers. Each customer's... Automated Tellerphone 888-275-9772 Customer Care 800-371-2361 Call Center 9 Main Street N. Bradford, VT 05033. Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051 Bank wherever you are with the Wells River Savings Mobile Banking app. Available to all Wells River Savings personal online banking customers. Features include: -Check Account Balances and View Transactions -Schedule Transfers and Bill Payments …The adorable vaquita, the world's smallest porpoise and rarest marine mammal, has been pushed to virtual extinction by greed and fishing nets. Advertisement Jacques Cousteau, renow...Find out what works well at Wells River Savings Bank from the people who know best. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. Compare pay for popular roles and read about the team’s work-life balance. Uncover why Wells River Savings Bank is the best company for you.Developer's Description. By Wells River Savings Bank. Bank wherever you are with the Wells River Savings Mobile Banking app. Available to all Wells River Savings personal online banking customers ...Petro River Oil News: This is the News-site for the company Petro River Oil on Markets Insider Indices Commodities Currencies Stocks Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office 3088 US Route 5 East Thetford, VT 05043 Wells River Savings Bank offers a wide array of mortgage products including secondary market mortgages and services to qualified borrowers. Each customer's... Automated Tellerphone 888-275-9772 Customer Care 800-371-2361Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office 3088 US Route 5 East Thetford, VT 05043Wells River Savings Bank Bradford branch is located at 223 Main Street, Bradford, VT 05033 and has been serving Orange county, Vermont for over 35 years. Get …Bank Routing Number 211674788 belongs to Wells River Savings Bank. It routing both FedACH and Fedwire payments.Wells River Savings Bank Contact Information. Branch address, phone number, and hours of operation for Wells River Savings Bank at Main Street, Bradford VT. Name Wells River Savings Bank Address 223 Main Street Bradford, …As a community bank, Wells River Savings Bank remains well capitalized and well positioned to continue to serve our customers and community. We were chartered 131 years ago and expect to serve this community for generations to come. ... Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, …Savings Bank Wells River 34 Main St N 05081. Distance to the office - 74 yards. Branch hours. Monday: 10:00 am - 5:00 pm: Tuesday: 10:00 am - 5:00 pm: Wednesday: 10:00 am - 5:00 pm: Thursday: 10:00 am - 5:00 pm: Friday: 10:00 am - 5:00 pm: Savings Bank Woodsville 63 Central St 03785. Distance to the office - 764 yards. Branch hours.Zippia gives an in-depth look into the details of Wells River Savings Bank, including salaries, political affiliations, employee data, and more, in order to inform job seekers about Wells River Savings Bank. The employee data is based on information from people who have self-reported their past or current employments at Wells River …Important: Swift Codes or BICs of Wells River Savings Bank are used ONLY for International Wire Transfers. If you are doing only domestic payments then you only need routing number of Wells River Savings Bank instead of swift codes. Some International wires require an IBAN number, but bank accounts in USA do not have an IBAN.Wells Fargo Bank, N.A. Member FDIC. QSR-0423-03296. LRC-0423. Manage your bank accounts using mobile banking or online banking. With the Wells Fargo Mobile® app or Wells Fargo Online® Banking, access your checking, savings and other accounts, pay bills online, monitor spending & more.Routing number 211674788 is assigned to WELLS RIVER SAVINGS BANK located in WELLS RIVER, VT. ABA routing number 211674788 is used to facilitate ACH funds ...Get rewards like earning a high rate on your balance, refunds on you ATM withdrawal fees, and more with a rewards checking account from Wells River Savings. Automated Tellerphone 888-275-9772 Customer Care 800-371-2361The Brattleboro Savings and Loan Association, 4, 266,261, 1.36%. Wells River Savings Bank, 6, 202,215, 1.03%. Nbt Bank, National Association, 3, 182,948, 0.94%.In a report released yesterday, Elyse Greenspan from Wells Fargo maintained a Buy rating on BRP Group (BRP – Research Report), with a pric... In a report released yesterday, ...Frank Tilghman is the Chief Executive Officer at Wells River Savings Bank based in Bradford, Vermont. Previously, Frank was the Assistant Treasure r at Howard Bancorp and also held positions at Northern National Bank, FNB Lifetime, First National Bank of Omaha. Frank received a High School Diploma degree from Kent School and a Bachelor of Arts ...Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT …Whether it is a short term or longer-term loan or a line of credit, Wells River Savings Bank is committed to ensuring the business community thrives. Inquire or contact …Wells River Savings Bank Contact Information. Branch address, phone number, and hours of operation for Wells River Savings Bank at Main Street, Bradford VT. Name Wells River Savings Bank Address 223 Main Street Bradford, …A Wells Fargo Certificate of Deposit (CD) offers an alternative way to grow your savings. You choose the set period of time to earn a guaranteed fixed interest rate, regardless of market conditions. Investing in a CD can provide peace of mind whether you're saving for tomorrow, next year's projects, college tuition, or retirement.Discover all the ways you can redeem Wells Fargo Rewards® — travel, gift cards, and more. Get info on rewards. Send money to friends and family overseas Use our money transfer service to send funds to 13 countries. ... Manage spending and saving. Reduce debt. Build credit. Enjoy life.Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT …Wells River Savings Bank, WEST SIDE BRANCH Full Service Brick and Mortar Office 47 Main St N Wells River, VT 05081. Write a Review. Wells River Savings Bank Full Service Brick and Mortar Office 34 Main St N Wells River, VT 05081. Wells River Savings Bank. Established: 01/01/1892: Branches: 6: Total Assets: $226,042K: Deposits:Get the details of Gail Jackson's business profile including email address, phone number, work history and more. Call Center 9 Main Street N. Bradford, VT 05033. Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051 Post Mills Labor Day Parade This Year’s Theme: Home Town Heroes in remembrance of Mike Pomeroy & Brian Bolan, who were instrumental in the Labor Day...In our database are listed 1 routing number for Wells River Savings Bank in Vermont. In such cities as Wells River. Routing number City Zip Code Address Phone number; 211674788: Wells River: 05081: 34 Main St North (802) 757-3244: What Do You Need to Know About Routing Numbers?Discover all the ways you can redeem Wells Fargo Rewards® — travel, gift cards, and more. Get info on rewards. Send money to friends and family overseas Use our money transfer service to send funds to 13 countries. ... Manage spending and saving. Reduce debt. Build credit. Enjoy life.Snail mail: Woodsville Wells River 4th of July Committee PO Box 50 Woodsville, NH 03785. 2023 Parade & Storefront Winners: First Prize Commercial - Quality Roofing and Siding - South Ryegate, VT; Second Prize Commercial - Woodsville Guaranty Savings Bank - Woodsville, NH; Third Prize Commercial - Woodsville Business & Beautification ...Discover all the ways you can redeem Wells Fargo Rewards® — travel, gift cards, and more. Get info on rewards. Send money to friends and family overseas Use our money transfer service to send funds to 13 countries. ... Manage spending and saving. Reduce debt. Build credit. Enjoy life.Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office 3088 US Route 5 East Thetford, VT 05043Wells River Savings Bank Recommendations received Frank Tilghman “Mary Jo started our Internal Audit and Compliance department in 2003. She is thorough and conscientious, and has developed a ... Call Center 9 Main Street N. Bradford, VT 05033. Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051 West Side office is located at 47 Main Street North, Wells River. You can also contact the bank by calling the branch phone number at 802-757-3250. Wells River Savings Bank West Side branch operates as a full service brick and mortar office. For lobby hours, drive-up hours and online banking services please visit the official website of the ... Wells River Savings Bank 1 year 6 months Retired Wells River Savings Bank May 2023 - Present 2 months. Executive Vice President/Chief Banking Officer ...Wells River Savings Bank ... He knew Graham well, since Graham’s father used to work at Thomas’s Drug Store in Wells River. In Jim’s words, “He is bright, has a wonderful wife and baby daughter, has a college education, might make a great branch manager if we open an office in Bradford, ...Wells Fargo Business Platinum Credit Card is best for small business owners who wish to have a flexible rewards system. Credit Cards | Editorial Review Updated May 11, 2023 REVIEWE...If you are looking for a fun way to spend your holiday, look no further than European river cruises. Europe is full of lovely rivers and beautiful sights. There are river cruises t...Wells River Savings Bank 1 year 6 months Retired Wells River Savings Bank May 2023 - Present 2 months. Executive Vice President/Chief Banking Officer ... Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office 3088 US Route 5 East Thetford, VT 05043 A Wells Fargo Certificate of Deposit (CD) offers an alternative way to grow your savings. You choose the set period of time to earn a guaranteed fixed interest rate, regardless of market conditions. Investing in a CD can provide peace of mind whether you're saving for tomorrow, next year's projects, college tuition, or retirement. 47 Main Street North. Wells River, Vermont 05081, US. Get directions. Wells River Savings Bank | 86 followers on LinkedIn. Your good neighbor bank. Member FDIC | Our bank has an interesting ... Full Service Banking from Your Mobile Device. Deposit checks, set account alerts, transfer funds, pay bills, send and receive money between friends with Zelle® 14, access your account statements, manage your debit and credit cards, and even your mortgage and personal loans all from our mobile app. Schedule an appointment to speak with a banker ...Denise Longmoore works at Wells River Savings Bank, which is a Banking company with an estimated 52 employees. Denise is currently based in Wells R iver, Vermont. Found email listings include: @wrsb.com. Read More. Denise Longmoore Current Workplace . Wells River Savings Bank.Wells River Savings Bank ... He knew Graham well, since Graham’s father used to work at Thomas’s Drug Store in Wells River. In Jim’s words, “He is bright, has a wonderful wife and baby daughter, has a college education, might make a great branch manager if we open an office in Bradford, ...Important: Swift Codes or BICs of Wells River Savings Bank are used ONLY for International Wire Transfers. If you are doing only domestic payments then you only need routing number of Wells River Savings Bank instead of swift codes. Some International wires require an IBAN number, but bank accounts in USA do not have an IBAN.Wells River Savings Bank Branch Location at 3088 Route 5, East Thetford, VT 05043 - Hours of Operation, Phone Number, Routing Numbers, Address, Directions and Reviews. Find Branches Branch spot.Wells River Savings Bank Bradford branch is located at 223 Main Street, Bradford, VT 05033 and has been serving Orange county, Vermont for over 35 years. Get …Wells Fargo analyst Brian Fitzgerald maintained a Buy rating on Take-Two (TTWO – Research Report) today and set a price target of $132.00.... Wells Fargo analyst Brian Fitzge...Wells River Savings Bank Branch Location at 3088 Route 5, East Thetford, VT 05043 - Hours of Operation, Phone Number, Routing Numbers, Address, Directions and Reviews. Find Branches Branch spot.Please start a new application. An email has been sent with your Application Confirmation Code. If you do not receive your email, please contact us at 802-757-2361 or toll-free 800-371-2361. Wells River Savings Bank offers a wide array of mortgage products including secondary market mortgages and services to qualified borrowers.Wells River Savings Bank. May 24, 2021 ·. Branch Wars: Holidays. Wells River- Presidents Day. Newbury- Memorial Day. Customer Care Center- Easter. Bradford- 4th of July. Fairlee- Halloween. East Thetford- Thanksgiving.
Forms. For your convenience, links to common forms are provided below. Simply click on desired document, complete, and submit to the bank. If you need help or have questions at any point, do not hesitate to contact us directly at (800)371-2361or (802)757-2361.. Email address for business
Wells River Savings Bank | 86 followers on LinkedIn. Your good neighbor bank. Member FDIC | Our bank has an interesting heritage.Relief wells are used to prevent and stop dangerous oil flows. Learn about relief wells and how relief wells are drilled. Advertisement Ever wonder how old-timey oil wells you see ...Take a taxi from Lyndonville to Wells River Savings Bank; Take the bus from Wells River Savings Bank to DHMC Heater Rd. River Route; $62 - $78. 1 alternative option. Drive • 1h 17m. Drive from Lyndonville to Lebanon 71.4 miles; $12 - $19. Quickest way to get there Cheapest option Distance between.Wells Fargo Business Platinum Credit Card is best for small business owners who wish to have a flexible rewards system. Credit Cards | Editorial Review Updated May 11, 2023 REVIEWE... Wells River Savings Bank offers a wide array of mortgage products including secondary market mortgages and services to qualified borrowers. Each customer's... Automated Tellerphone 888-275-9772 Customer Care 800-371-2361 Best for balance transfers The Wells Fargo Reflect Card comes with one of the longest introductory APR offers we’ve seen. The introductory period can be a great way to finance a la...The communities of the Ravi Basin have a different vision for the future of the river. Much progress may be accomplished through water treatment and …Wells River Savings Bank. October 19, 2021 ·. 17. 3 shares. Like. Wells River Savings Bank, Wells River, Vermont. 1,358 likes · 88 talking about this · 43 were here. We believe in our motto: It’s Good To Know Your... The 211674788 ABA Check Routing Number is on the bottom left hand side of any check issued by WELLS RIVER SAVINGS BANK. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank. 4 For each statement cycle that one of the following requirements of average daily balances are met, you'll avoid the $25 monthly service fee: $25,000 or more in linked bank deposit accounts (checking, savings, CDs, FDIC-insured IRAs) or $50,000 or more in any combination of qualifying linked banking, brokerage (available through BOK Financial …Important: Swift Codes or BICs of Wells River Savings Bank are used ONLY for International Wire Transfers. If you are doing only domestic payments then you only need routing number of Wells River Savings Bank instead of swift codes. Some International wires require an IBAN number, but bank accounts in USA do not have an IBAN.The Brattleboro Savings & Loan Association; Union Bank; Vermont Federal Credit Union; Wells River Savings Bank. View EBP Page. arrow_forward. infographic with ...The Brattleboro Savings & Loan Association; Union Bank; Vermont Federal Credit Union; Wells River Savings Bank. View EBP Page. arrow_forward. infographic with ...Wells Fargo has officially announced the newest offering in its portfolio of consumer credit cards, the Wells Fargo Autograph Card. Increased Offer! Hilton No Annual Fee 70K + Free...Denise Longmoore works at Wells River Savings Bank, which is a Banking company with an estimated 52 employees. Denise is currently based in Wells R iver, Vermont. Found email listings include: @wrsb.com. Read More. Denise Longmoore Current Workplace . Wells River Savings Bank.Oct 14, 2012 ... ... Wells River Savings Bank both of Wells River. For many years, Lorraine worked as a sales clerk at the former Thomas Pharmacy in Wells River. Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office 3088 US Route 5 East Thetford, VT 05043 Wells River Office 47 Main Street N. Wells River, VT 05081. Newbury Office 4976 Main Street S. Newbury, VT 05051. Bradford Office 223 Main Street Bradford, VT 05033. Fairlee Office 540 US Route 5N Fairlee, VT 05045. East Thetford Office 3088 US Route 5 East Thetford, VT 05043 Find company research, competitor information, contact details & financial data for WELLS RIVER SAVINGS BANK of Fairlee, VT. Get the latest business insights from Dun & Bradstreet.Wells Fargo has officially announced the newest offering in its portfolio of consumer credit cards, the Wells Fargo Autograph Card. Increased Offer! Hilton No Annual Fee 70K + Free....