What is The Interest Rate For Wells Fargo Line of Credit? -
The interest rate for Wells Fargo Line of Credit depends on the type, amount, and term of the line of credit, as well as your personal and business credit history.
According to the web search results, here are some examples of the interest rates for different lines of credit offered by Wells Fargo:
You can visit the Wells Fargo website or contact their customer service to get more information about the specific interest rate for your line of credit application. . 😊
Baca juga
* What is the difference between a line of credit and a loan?
* How much can I borrow with Wells Fargo Line of Credit?
A line of credit is a type of loan that allows you to borrow money up to a certain limit and repay it over time with interest. Wells Fargo offers different types of lines of credit for personal and business purposes.
Depending on your eligibility and needs, you can apply for a line of credit online, by phone, or in person.
To apply for a personal line of credit, you can visit this page and click on Apply Now. You will need to provide some personal and financial information, such as your name, address, income, and Social Security number. If you are a current Wells Fargo customer, you can pre-fill some of the information from your existing accounts. You will also need to choose the amount and term of the line of credit you want. Wells Fargo will review your application and credit history and notify you of the decision. If approved, you will receive a line of credit agreement and access to your funds.
To apply for a business line of credit, you can visit this page and compare the different options available. Wells Fargo offers unsecured and secured lines of credit for businesses with different sizes and needs. You can apply online for an unsecured line of credit up to $100,000, or contact a relationship manager or a branch for a secured line of credit up to $1,000,000. You will need to provide some business and personal information, such as your business name, address, revenue, tax ID, and ownership details. Wells Fargo will evaluate your application and creditworthiness and inform you of the outcome. If approved, you will receive a line of credit agreement and access to your funds.
I hope this information helps you understand how to apply for a line of credit with Wells Fargo. If you have any questions, you can contact Wells Fargo customer service at 1-800-869-3557. Thank you for chatting with me. 😊
HELOCs are a useful tool for homeowners who need access to cash for large expenses or debt consolidation, but they also come with risks and costs. Before you apply for a HELOC, you should compare it with other options, such as a home equity loan, a cash-out refinance, or a personal loan. You should also shop around for the best rates and terms from different lenders. And most importantly, you should have a plan for how you will use and repay your HELOC, and stick to it.
Wells Fargo Line of Credit - A Wells Fargo Line of Credit is a type of borrowing option that allows you to access funds up to a certain limit, and pay interest only on the amount you use. Wells Fargo offers different types of lines of credit for different purposes, such as :
If you are interested in any of these products, you can learn more about their features, rates, and benefits on the Wells Fargo website or contact a Wells Fargo banker.
How Long Does it Take to Repay a Flex 6 Line of Credit? - A Flex 6 line of credit is an unsecured line of credit that gives you access to cash up to a certain limit. You can borrow as much as you need, as often as you need, and pay interest only on the amount you borrow. You have to repay the principal and interest within six months, or sooner if you want to avoid additional interest charges
The repayment schedule of a Flex 6 line of credit depends on how much you borrow and how often you make payments. You can choose to pay the minimum amount due each month, which is usually a percentage of your outstanding balance, or pay more than the minimum to reduce your balance faster
Some examples of how long it would take to repay a Flex 6 line of credit are:
If you borrow $10,000 at an annual percentage rate (APR) of 40% and pay the minimum of 10% of your balance each month, it would take you about 11 months to repay the loan and you would pay about $2,917 in interest
If you borrow $10,000 at an APR of 40% and pay $1,000 each month, it would take you about 12 months to repay the loan and you would pay about $2,400 in interest
If you borrow $10,000 at an APR of 40% and pay $2,000 each month, it would take you about six months to repay the loan and you would pay about $1,200 in interest
How Long Does it Take to Get an SBA Microloan? - An SBA microloan is a small loan of up to $50,000 that is provided by the U.S. Small Business Administration (SBA) through intermediary lenders.
The SBA microloan program is designed to help startups, women-owned businesses, and low-income communities grow their businesses.
The time it takes to get an SBA microloan depends on several factors, such as the intermediary lender, the loan amount, the borrower’s creditworthiness, and the availability of funds. According to the SBA, the average time to process a microloan application is about 120 days. However, some intermediaries may be able to approve and disburse microloans faster than others, depending on their own lending and credit requirements.
To apply for an SBA microloan, you need to contact an SBA-approved intermediary lender in your area and submit the required documents, such as a business plan, financial statements, tax returns, and personal guarantee. You can find a list of authorized intermediary lenders participating in the SBA microloan program here. You can also use the SBA’s [Lender Match] tool to connect with potential lenders online.
I hope this information helps you understand how to get an SBA microloan. ... 😊
Are There any Fees or Penalties Associated With Bluevine Line of Credit? - There are some fees and penalties associated with Bluevine Line of Credit, depending on the type of payment and service you use.
Home equity loans: These are loans that are secured by the equity you have in your home, which is the difference between the market value of your home and the amount you owe on your mortgage. You can use a home equity loan to borrow money for various purposes, such as home improvements, debt consolidation, or education. If you default on the loan, the lender can take your home as collateral.
What is The Interest Rate For Bluevine Line of Credit? - According to the web search results, the interest rate for Bluevine Line of Credit starts at 6.2%. This is a simple interest rate calculated from total repayments over 26 weeks or 12 months. The credit line can range from $5,000 to $250,000 depending on your business qualifications. To apply for a Bluevine Line of Credit, you need to provide basic information about your business, connect your bank account, and verify your identity. You can get a credit decision in as fast as 5 minutes and access funds in as fast as 24 hours.
Some additional information that you might find useful are:
Bluevine is a financial technology company, not a bank. Bluevine’s Line of Credit is issued by Celtic Bank.
You can make repayments with fixed monthly or weekly payments over 6 or 12 months. As you pay off your balance, your available credit automatically replenishes.
To qualify for a Bluevine Line of Credit, you need to have a FICO score of 625 or higher, be in business for 24 months or more, and have a monthly revenue of $40,000 or more.
You can use a Bluevine Line of Credit for any business purpose, such as payroll, inventory, marketing, or cash flow.
How Much Can I Borrow With Bluevine Line of Credit? - Bluevine is an online lending platform that offers short-term business lines of credit between $6,000 and $250,000.
Borrowers can choose from Flex 6 or Flex 12 lines of credit, which are structured around six- and 12-month repayment periods, respectively. To qualify, your business will need to meet certain minimum criteria, such as being in business for more than 24 months, having a FICO score of 625 or higher, and generating at least $40,000 in monthly revenue. You can apply online and get a credit decision in as fast as 5 minutes.
If approved, you can request funds from your online dashboard and receive them in your account in as fast as 24 hours. You only pay interest on the funds you use, and your credit line replenishes as you make repayments.
Some additional sentences are:
If you are interested in applying for a Bluevine Line of Credit, you can visit their website and provide basic information about you and your business.
Bluevine’s Line of Credit is issued by Celtic Bank, a Utah-chartered industrial bank, member FDIC.
You can also explore helpful guides and resources on their website, to learn more about how to use a line of credit to grow your business.
A Bluevine Line of Credit is a flexible and fast financing option for small businesses. It allows you to draw funds as you need and only pay for what you use, with competitive interest rates and short repayment terms. You can apply online in minutes and get a decision in as fast as 5 minutes, and access funds in hours with no monthly fees or prepayment penalties. To qualify, you need to have a minimum FICO score of 625, be in business for at least 24 months, and have a monthly revenue of at least $40,000. You can learn more about the Bluevine Line of Credit from their website or from these reviews.
An OnDeck term loan is a type of small business financing that provides a one-time lump sum of cash with a fixed repayment term and interest rate. It is suitable for larger investments in your business, such as purchasing equipment, expanding or renovating, or consolidating debt.
Small and medium business loans are sources of financing that can help you grow your business, purchase equipment, or cover operational costs. There are different types of small and medium business loans, such as bank loans, SBA loans, online loans, lines of credit, invoice factoring, and microloans. Each type has its own eligibility criteria, interest rates, repayment terms, and benefits.
Some of the best small and medium business loans available in February 2024 are:
SBA 7(a) loan: This is a government-backed loan that can be used for various purposes, such as working capital, debt refinancing, or business expansion. The maximum loan amount is $5 million, the minimum credit score is 650, and the APR range is 11.50-15.00%. The maximum term length is 25 years.
Bank of America term loan: This is a bank loan that offers fixed interest rates, monthly payments, and no prepayment penalty. The loan amount varies depending on your business needs and qualifications, the minimum credit score is 700, and the APR range is not disclosed. The maximum term length is 5 years.
Wells Fargo line of credit: This is a revolving credit line that allows you to access funds as needed, up to your credit limit. You only pay interest on the amount you use, and you can reuse the funds after you repay them. The maximum credit limit is $150,000, the minimum credit score is 680, and the APR range is 10.25-18.25%. The term length varies depending on your credit line.
Bluevine line of credit: This is an online credit line that offers fast and flexible funding, with no origination fees or maintenance fees. You can draw funds up to your credit limit anytime, anywhere, and repay them over 6 or 12 months. The maximum credit limit is $250,000, the minimum credit score is 625, and the APR range is 20.00-50.00%. The term length is 1 year.
OnDeck term loan: This is an online term loan that provides quick and simple financing, with a one-time origination fee and daily or weekly repayments. The loan amount ranges from $5,000 to $250,000, the minimum credit score is 625, and the APR range is 35.40-99.90%. The term length ranges from 3 to 24 months.
Microloans are small-dollar loans typically available in amounts up to $50,000. They are often geared toward entrepreneurs who may not qualify for traditional bank loans. These loans can be used for various purposes, including refinancing existing debt.
However, it’s essential to understand that microloans are distinct from the broader issue of microfinance, which has a more complex impact on borrowers, especially in developing economies.
Let me provide some insights :
Microfinance and Debt Traps :
Microfinance was initially hailed as a way to alleviate poverty by providing small loans to the poor, enabling them to start or expand businesses.
However, over time, the industry has faced challenges. Some microfinance institutions charge high interest rates (often exceeding 100%), leading borrowers deeper into debt.
Aggressive debt-collection tactics have left some borrowers homeless, and the social costs associated with microfinance have not entirely disappeared.
Despite these issues, billions of dollars continue to flow into the microfinance system from government aid agencies, commercial banks, and impact investors.
Changing Industry Landscape :
The microfinance industry has evolved, offering new types of loans beyond traditional microloans. These include consumer finance and other financial products.
In Cambodia, for instance, the average loan provided by microfinance institutions has ballooned sevenfold over the past decade, reaching about $4,200—almost three times the country’s average household income.
Women in Cambodia have faced pressure to sell their homes to repay loans, highlighting the challenges faced by borrowers.
Government Aid Agencies and Development Banks :
Surprisingly, taxpayer-funded development banks, such as the World Bank and the European Investment Bank, continue to invest billions of dollars in microfinance.
Commercial banks and impact investors also contribute to this capital infusion.
Unfortunately, consumer protection has weakened as financiers replace philanthropists in the industry.
The Dark Side of Microfinance :
Investigative reports have shed light on the grim consequences of microfinance, including suicides, debtors’ prisons, and delinquent borrowers forced to sell their land.
The documentary “The Dark Side of Microfinance” by Bloomberg explores these issues in detail.
In summary, while microloans can serve as a valuable resource for small businesses, it’s crucial to be aware of the broader context of microfinance and its potential impact on vulnerable borrowers. If you’re considering refinancing debt, explore all available options and seek financial advice to make informed decisions.
1. How Long Does it Take To Get Approved By Fundbox? - The interest rate for SBA Microloans varies depending on the intermediary lender that you work with. Generally, you should expect to pay rates between 8% and 13%.
however, some lenders may offer lower or higher rates based on your credit score, business history, and other factors. You can negotiate the rates with the microlenders and compare different options before applying for a microloan.
Startup Business Loans For Bad Credit Guaranteed - I see that you are interested in startup business loans for bad credit. There are some lenders that may offer loans to entrepreneurs with low credit scores, but they usually have higher interest rates and fees. You should be careful about the costs and risks of taking on debt for your new business.
Some of the best startup business loans for bad credit are:
SBA Microloans: These are small loans up to $50,000 that are backed by the Small Business Administration. They have low interest rates and flexible repayment terms. You may need a minimum credit score of 620 to qualify.
These are just some of the options available for startup business loans for bad credit. You can also check out other online lenders, equipment financing, invoice factoring, or personal loans.
However, you should always compare the terms and conditions of different loans and make sure you can afford the repayments.
Can I get a Government-backed Loan With Bad Credit? - A government-backed loan is a type of loan that is guaranteed by the federal government, which reduces the risk for lenders and makes it easier for borrowers to qualify. There are several government agencies that offer different loan programs, such as the FHA, USDA, and VA. Depending on the type of loan you apply for, you might be able to get a government-backed loan with bad credit, but you will still need to meet other eligibility criteria.
Some of the factors that lenders will consider when evaluating your application for a government-backed loan are:
Your property and location: Government-backed loans also have specific requirements for the property you want to buy or refinance. For example, FHA loans require the property to meet certain safety and quality standards. USDA loans are only available for properties in eligible rural areas. VA loans are only available for eligible veterans, service members, and their spouses who want to buy, refinance, or improve their primary residence.
If you are interested in applying for a government-backed loan, you will need to find a lender that participates in the program you want. You can use the [lender search tool] on the HUD website to find FHA-approved lenders, the [eligibility map] on the USDA website to find USDA-eligible areas and lenders, and the [lender locator] on the VA website to find VA-approved lenders.
You may also want to explore other options for borrowing if you have bad credit, such as credit unions, community development financial institutions (CDFIs), minority depository institutions (MDIs), or online lenders. These lenders may offer more flexible terms and lower interest rates than traditional lenders, and some of them may participate in government-backed loan programs as well.
Before you apply for any loan, it is important to compare different offers and understand the costs and benefits of each option. You should also check your credit report and score and try to improve them if possible, as this can increase your chances of getting approved and getting better terms. You can get a free copy of your credit report from each of the three major credit bureaus once a year at [www.annualcreditreport.com].
Invoice financing: You get an advance on your unpaid invoices from a lender, but you retain control over the collection process and pay back the lender with interest and fees
Merchant cash advance: You get a lump sum of cash from a lender, based on your future credit card sales, and pay back the lender with a percentage of your daily sales plus fees.
Business line of credit: You get access to a revolving credit line from a lender, which you can draw from and repay as needed, and pay interest only on the amount you use.
Business credit card: You get a credit card with a credit limit from a lender, which you can use for business expenses and pay back monthly, and pay interest and fees on the balance you carry.
Trade credit: You negotiate longer payment terms with your suppliers, which allows you to delay paying for the goods or services you purchase until you sell them to your customers.
Early payment discount: You offer your customers a discount if they pay their invoices earlier than the due date, which incentivizes them to pay faster and improves your cash flow.
Crowdfunding: You raise funds for your business from a large number of people, usually online, who donate or invest in exchange for rewards, equity, or interest.
What is The Difference Between Invoice Factoring And a Loan? - The main difference between invoice factoring and a loan is that invoice factoring is not a debt, but a sale of your invoices to a third party. With a loan, you borrow money from a lender and pay it back with interest over time. With invoice factoring, you get an advance on your unpaid invoices and the factoring company collects the payment from your customers. You don’t have to worry about interest, repayment, or debt.
Some of the benefits of invoice factoring are:
You can get cash quickly, usually within a few days.
You can improve your cash flow and working capital without increasing your liabilities.
You can avoid the hassle of collecting payments from your customers.
You can qualify for invoice factoring even if you have a low credit score, as long as your customers are creditworthy.
Some of the drawbacks of invoice factoring are:
You have to pay a fee to the factoring company, which reduces your profit margin.
You lose some control over your customer relationships, as the factoring company handles the collection process.
You may have to agree to a long-term contract or a minimum volume of invoices to sell to the factoring company.
You may not be able to factor all your invoices, depending on the terms and conditions of the factoring company.
How does invoice factoring work? - Invoice factoring is a way of getting cash for your unpaid invoices by selling them to a third party, usually a factoring company. The factoring company pays you a percentage of the invoice value upfront, and then collects the full payment from your customer. After that, they send you the remaining balance, minus their fees.
Here is a simple example of how invoice factoring works:
You have an invoice of $10,000 that is due in 60 days.
You sell the invoice to a factoring company that offers you 90% advance rate and 3% factoring fee per month.
The factoring company pays you $9,000 (90% of $10,000) within a few days.
The factoring company collects $10,000 from your customer after 60 days.
The factoring company sends you $700 (the remaining 10% of $10,000 minus 6% factoring fee for two months).
You receive a total of $9,700 for your invoice, while the factoring company earns $300.
Invoice factoring can be a useful option for businesses that need quick cash flow and don’t want to wait for their customers to pay.
However, it also has some drawbacks, such as :
You lose some control over your customer relationships, as the factoring company takes over the collection process.
You may have to pay additional fees or penalties if your customer pays late or defaults on their invoice.
You may have to sign a long-term contract with the factoring company or agree to sell a minimum amount of invoices per month.
You may not qualify for invoice factoring if your customers have poor credit ratings or your invoices have long payment terms.
Equity financing and debt financing are two different ways of raising capital for a business. Equity financing involves selling a portion of the business ownership to investors in exchange for funds. Debt financing involves borrowing money from lenders and paying it back with interest.
Some of the main differences between equity financing and debt financing are:
Control: Equity financing reduces the control of the original owners, as they have to share the decision-making power and profits with the new investors. Debt financing does not affect the ownership structure, as the lenders have no say in the business operations or dividends.
Cost: Equity financing has no fixed cost, as the investors are paid according to the performance and profitability of the business. Debt financing has a fixed cost, as the borrowers have to pay the principal and interest regardless of the business outcome.
Risk: Equity financing shifts some of the risk from the owners to the investors, as the investors bear the loss if the business fails. Debt financing increases the risk for the owners, as they are liable for the debt even if the business fails.
A working capital loan is a type of short-term loan that is used to finance a company’s everyday operations. Working capital loans are usually secured by the company’s assets, such as inventory, accounts receivable, or equipment. This means that if the company fails to repay the loan, the lender can seize the collateral to recover the debt. However, some working capital loans may be unsecured, which means that they do not require any collateral. Unsecured working capital loans are typically offered to companies with a high credit rating and a strong financial history
They can help you cover short-term expenses and cash flow gaps, such as payroll, rent, inventory, or seasonal fluctuations.
They are usually fast and easy to secure, with quick approvals and funding, simple loan applications, and lower eligibility requirements than other types of business loans.
They do not require you to give up equity or control in your business, as they are a form of debt financing.
They can help you take advantage of opportunities, such as discounts on bulk purchases, increased demand for your products, or expansion plans.
Working capital loans can be a useful tool for small businesses that need to finance their daily operations and growth.
They typically have higher interest rates and fees than long-term loans, as they are considered riskier by lenders.
They may require collateral or personal guarantees, which means you could lose your assets or personal credit if you default on the loan.
They may not be sufficient to cover large or long-term investments, such as real estate, equipment, or research and development.
Working capital loans are best suited for short-term needs and should be repaid as soon as possible to avoid accumulating debt and interest. You should also compare different lenders and options to find the best working capital loan for your business. 💰
SBA loans: These are loans that are partially guaranteed by the Small Business Administration, a federal agency that supports small businesses. SBA loans have lower interest rates and longer repayment terms than conventional loans, but they also have stricter eligibility criteria and more paperwork. Capital One offers three types of SBA loans: 7(a) loans, 504 loans, and Express loans.
If you are interested in learning more about Capital One business loans, you can visit their website here or call them at 1-800-926-1000. You can also compare their loans with other lenders on NerdWallet or Bankrate. I hope this helps you find the best loan for your business. 😊
If you are interested in applying for a National Business Capital loan, you can visit their website here or call them at (888) 488-4769. You will need to provide some basic information about your business, such as name, address, industry, revenue, and credit score. You will also need to upload some documents, such as bank statements, tax returns, or financial statements. You can expect to receive multiple loan offers from different lenders within 24 hours, and choose the one that suits you best. You can receive your funds in as little as one business day after approval.
I hope this information helps you learn more about National Business Capital loans. .. 😊
What is The Interest Rate For a Working Capital Loan? - A working capital loan is a type of business loan that helps cover operational costs, such as payroll, inventory, rent, and utilities. The interest rate for a working capital loan depends on various factors, such as the loan amount, term, collateral, credit score, and lender. According to some sources, the average interest rate for a working capital loan in 2024 ranges from 11% to 16% per annum. However, this may vary depending on your specific situation and the type of working capital loan you choose.
Some common types of working capital loans are:
Term loans: These are fixed-amount loans that you repay over a set period of time, usually 6 to 24 months. Term loans may have lower interest rates than other options, but they may also require higher credit scores and collateral.
Lines of credit: These are revolving credit facilities that allow you to borrow and repay as needed, up to a certain limit. Lines of credit may have higher interest rates than term loans, but they offer more flexibility and convenience. You only pay interest on the amount you use, not the entire limit.
Invoice factoring: This is a form of financing where you sell your unpaid invoices to a third-party company at a discount. The factoring company pays you a percentage of the invoice value upfront, and collects the full amount from your customers later. Invoice factoring may have higher fees than other options, but it can provide immediate cash flow and does not depend on your credit score.
SBA loans: These are loans guaranteed by the U.S. Small Business Administration, which partners with banks and other lenders to offer low-interest loans to small businesses. SBA loans may have longer terms and lower interest rates than other options, but they may also have stricter eligibility criteria and longer approval times.
If you are interested in applying for a working capital loan, you may want to compare different lenders and options to find the best deal for your business. You can use online platforms like Lendioor Forbes Advisorto compare and review various working capital loans. Alternatively, you can contact your local bank or financial institution to see what they can offer you.
Type of Lender and Loan Qualifications - The answer to your question depends on several factors, such as the type of loan, the lender, and your qualifications. Generally speaking, the faster you need the loan, the more expensive it will be.
According to some sources, the average time to get a business loan can range from 15 minutes to several months.
Here are some examples of different loan types and their approval times:
Online lenders: These are alternative lenders that offer fast and easy business loans, often with less stringent requirements than banks. You can apply online and get approved and funded within minutes, hours, or days. For example, Kabbage can approve you for a line of credit in as little as 15 minutes, while Lendio can match you with over 75 lenders and get you funded in as little as 72 hours.
Traditional banks: These are the most common sources of business loans, but they also have the longest and most complicated application process. You may have to submit a lot of paperwork, meet high standards, and wait for weeks or months to get approved and receive the loan. For example, a commercial real estate loan from a bank can take two months or more to close.
SBA loans: These are loans backed by the Small Business Administration, a government agency that supports small businesses. SBA loans have low interest rates and long repayment terms, but they also have strict eligibility criteria and a lengthy approval process. Getting an SBA loan can take two to three months from application to closing.
As you can see, there is no definitive answer to how long it takes to get a business loan. It depends on your specific situation and needs.
However, you can improve your chances of getting approved faster by following some strategies, such as:
Checking and strengthening your credit score
Understanding the loan requirements
Assessing your debt-to-income ratio
Preparing the necessary documentation
Comparing different lenders and loan options
I hope this information helps you find the best business loan for your needs. If you have any other questions, feel free to ask me. 😊
The eligibility criteria for a working capital loan can vary depending on the lender, but here are some common requirements:
Applicant’s Age: The borrower should be at least 21 years old when applying for the loan and should not be older than 65 years upon loan maturity.
Nature of Business: Eligibility depends on the nature of the business. It applies to individuals, proprietors, partnership firms, private or public companies, retailers, traders, or any other business owners engaged in service, manufacturing, or trading sectors that require consistent cash flow for working capital.
Business Turnover: The business turnover amount varies based on the chosen lending bank. For instance, if you apply for a Working Capital Loan from HDFC Bank, the loan segments are divided into annual turnover below Rs. 7.5 crore and annual turnover above Rs. 7.5 crore.
Business Vintage: Your business should have been operational for the past 2 years, with profitable financial records.
Business Experience: Most banks require a minimum of 2 years of the same business at the current location.
Financial History: A stable and credible financial history with consistent profits over the years is essential.
Source of Income: Your business income or investment income qualifies as your source of income.
CIBIL Score: If it’s a company, the business’s CIBIL Score should be 700 or above. For sole proprietors, entrepreneurs, or self-employed professionals, their personal score matters.
Financial Capability: The business’s financial capability and the promoter’s ability to repay the loan are critical factors. Profit and loss statements, balance sheets, and income tax returns demonstrate stability and profitability.
Creditworthiness: No loan defaults in the past contribute to creditworthiness.
Ownership or Collateral Worthiness: Ownership of property (residence, office, shop, godown) is considered by banks.
Remember that these criteria may vary slightly among different lenders, so it’s essential to check with the specific institution you’re interested in.
Others Also Read:
What is the interest rate for a working capital loan?
How much can I borrow with a working capital loan?
.jpeg)
.jpeg)
.jpeg)
.jpeg)
.jpeg)
.png)
.jpeg)
.png)