![Bitcoin was the very first cryptocurrency and one of the most popular ones as well. It’s understandable if it piques your curiosity. Nevertheless, it’s important that new investors like you learn more about Bitcoin before you buy digital coins with your hard-earned cash. In this article, you’ll find out what Bitcoin is and how it […]. Espnbets](/img/512x512/1015044210240.webp)
You’ve been scrolling through Pinterest during quarantine and now you’re dying to have your own garden, but you don’t have a yard. If you only have a small area to have plants or vegetables, that doesn’t mean you can’t enjoy your Pinterest-worthy garden. Here’s how you can make the most of your urban, space-saving, garden […]Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...About HopeSouth Federal Credit Union. HopeSouth Federal Credit Union is located at 807 W Greenwood St in Abbeville, South Carolina 29620. HopeSouth Federal Credit Union can be contacted via phone at 864-366-9602 for pricing, hours and directions.Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...Families and individuals benefit from HOPE South Florida’s continuum of care that builds steady progress through rapid re-housing, meals, showers, case management, …Deciding between purchasing or leasing a car is usually a difficult choice to make. On one hand, it may be intimidating to part with a large sum of money upfront if you choose to buy it off the lot. However, 100% financing is usually an option that helps lessen the financial burden. Additionally, you do […]Owning a home is a fantastic achievement, but it also comes with its fair share of responsibilities. Don’t worry, though! We’re here to guide you with some practical tips to keep your house in tip-top condition, stay on top of repairs, and make savvy financial choices to protect your investment. Create a Budget and Emergency […]The Abbeville Chamber of Commerce celebrated the new branch with a ribbon-cutting on Friday, July 15th for our new Drive-Up Branch. The drive-up branch is located on HWY 72, just down the street from HopeSouth and across from South Side Baptist Church. This site has an ATM and Night Deposit for your convenience! The Night …Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ... 807 W Greenwood Street Abbeville, SC 29620. Branch Details. The interactive map showcases all HopeSouth branches located in and around the Abbeville, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of HopeSouth Federal locations in Abbeville, South Carolina, with ... Dec 21, 2021 · HopeSouth is here for you! At HopeSouth, we have a team of lenders ready to speak with you about your auto lending options. We want to get you pre-approved so that you can walk onto any car lot with confidence. We’ll discuss the best rate and lowest payment we have for you, in addition to a flexible term that works with your budget. Credit Unions: Improving Financial Situations Nationwide Did you know, a recent survey reported that 44% of the 2,500 responders said that being a member of a credit union has had a “very positive” impact on their financial situation? Compare this to the only 29% who said being a part of a big bank has had […]May 19, 2021 · ESSENTIAL FUNCTIONS Greet and welcome members to the credit union in a courteous, professional, and timely manner, providing prompt, accurate, and efficient service on all savings products and services (CDs, IRAs, money market accounts, etc.). Respond to inquiries regarding savings products received in person, by telephone, or electronically. Open new membership accounts. Set up savings […] Sep 12, 2023 · According to the Pew Research Center in a study they conducted last year in 2022, 57% of American adults have utilized PayPal, 38% Venmo, and about 26% have utilized CashApp. So in total, roughly 76% of Americans say “they have used at least one of these three payment sites or apps,” (Pew Research Center). To safeguard funds stored in ... About HopeSouth Federal Credit Union. HopeSouth Federal Credit Union is located at 807 W Greenwood St in Abbeville, South Carolina 29620. HopeSouth Federal Credit Union can be contacted via phone at 864-366-9602 for pricing, hours and directions.Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...Apr 15, 2024 · On the Rise Performers Part I: Heart of Georgia Classic. Macon, Georgia – The inaugural Heart of Georgia Classic powered by Hypesouth Media & On the Radar Hoops is officially in the books and we have a lot to unpack. This upstart event was a first for the Middle Georgia area and it did not disappoint. Here’s a look at part one of our three ... Macon, Georgia — We conclude Hypesouth’s 2023 Camp Series with an in-depth look at the Up Next Developmental Expo, our middle school event focusing on up and coming sixth, seventh, and eighth graders. Team Hype went undefeated on the day and included five camp standouts and the top overall sixth grader. (5) Quentin Jackson, …Telephone Banking: 1-855-314-1049. Lost or Stolen Cards: VISA Debit – 1-800-472-3272 VISA Credit – 1-800-325-3678. Debit Card Self Service: 1-855-942-4246. Debit Card …Houses. Cars. Gas. Why is everything so much more expensive than it was a year ago? If you think you’re spending more on things like gas and food than you were at this time last year, you’re right. That’s because we seem to be reopening to a more expensive economy than the one that existed […] FISERV SOLUTIONS, LLC BRANCH. 255 Fiserv Dr. BROOKFIELD, WI 53045-5815. Phone: (800) 872-7882. What is a Federal Credit Union? View all 2 branch locations for HOPESOUTH FEDERAL CREDIT UNION. Tipping does not only let you show your appreciation to a delivery person or server’s hard work. You’re likely also helping them settle their monthly bill or pay for their tuition fee. However, you might still be unsure when you should tip and how much you should tip in various situations. Below, you’ll learn more […]HopeSouth Credit Union is dedicated to helping you realize your financial goals, such as reducing your debt, saving for higher education, buying your first home, or planning for retirement. HopeSouth has served Abbeville County since 1972. We are passionate about educating and providing financial hope for our community.Auto & Home Insurance Program TruStage™ Life Insurance Plans Auto & Home Insurance Program Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get your free quote …BELLE | MODE is Atlanta's premier boutique selling medium to high-end clothing, shoes, jewelry, accessories and furniture. Please visit us at our Buckhead or Roswell locations.HopeSouth Credit Union is dedicated to helping you realize your financial goals, such as reducing your debt, saving for higher education, buying your first home, or planning for retirement. HopeSouth has served Abbeville County since 1972. We are passionate about educating and providing financial hope for our community.Map of HopeSouth Federal Credit Union Location. Find your nearest HopeSouth Federal Credit Union branch or ATM using our interactive search tools. HopeSouth has 1 branch …On the Rise Performers Part I: Heart of Georgia Classic. Macon, Georgia – The inaugural Heart of Georgia Classic powered by Hypesouth Media & On the Radar …How many times do we set a financial goal with the full intention to achieve it only to stop within a month? This time, we’re ending just as strong as we start. And our secret weapon is going to be a budget plan! We promise it’s not as stressful as it sounds, especially with HopeSouth […]Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or …Dec 21, 2021 · HopeSouth is here for you! At HopeSouth, we have a team of lenders ready to speak with you about your auto lending options. We want to get you pre-approved so that you can walk onto any car lot with confidence. We’ll discuss the best rate and lowest payment we have for you, in addition to a flexible term that works with your budget. HopeSouth Credit Union checking accounts, also referred to as Share Draft Accounts, provide convenient access to your funds through debit cards, physical checks, and ATMs. Contact the credit union at (864) 366-9602. Checking Accounts (Share Draft) - Manage your daily finances with convenient checking accounts. Families and individuals benefit from HOPE South Florida’s continuum of care that builds steady progress through rapid re-housing, meals, showers, case management, employment assistance and other services designed to transform lives. With the generous support of donors and volunteers, we make their road home a safer and shorter journey. HopeSouth Credit Union, Abbeville, South Carolina. 788 likes · 7 talking about this · 28 were here. Proudly serving the financial needs of those who live, work, worship, or attend school in Abbeville Read reviews, compare customer ratings, see screenshots, and learn more about HopeSouth Mobile. Download HopeSouth Mobile and enjoy it on your iPhone, iPad, … Features: • Check your account balances. • Review recent transactions. • Transfer funds between your accounts. • View and pay bills (you must be enrolled in bill pay within online banking) • Mobile Deposit. You need to be enrolled in Online Banking to use this app. To enroll, visit our website or any location. HOPESOUTH CREDIT UNION does not share with our non-affiliates so they can market to you. Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. HOPESOUTH CREDIT UNION does not jointly market. Questions? Call 864-366-9602 or go to www.HopeSouth.org.Read reviews, compare customer ratings, see screenshots, and learn more about HopeSouth Mobile. Download HopeSouth Mobile and enjoy it on your iPhone, iPad, …HOPESOUTH FEDERAL CREDIT UNION Abbeville, South Carolina 3 followers Follow View all 4 employees Report this company About us Headquarters ...At HopeSouth, we look beyond the credit score to help make decisions based on an individuals personal story and not just a number. D. Debt-to-Income Ratio Debt-to-income ratio refers to the percentage of income an individual uses to pay debt. Lenders use this percentage to decide whether a borrower can afford another loan.Student loans can be such a pain, but please don’t think of selling your plasma, hair, or skin to pay them off. Trust us; there’s a better way to do it! With a little bit of hard work and imagination, you can start your journey toward financial independence. The faster you address your debt, the […]Seeing your time win in person can be great, but you know that it can get pretty darn expensive. If you’ve ever been to a game, you know very well that cheap seats don’t really come cheap. Plus, if you want to take your entire family with you, it can easily cost an arm and […] Features: • Check your account balances. • Review recent transactions. • Transfer funds between your accounts. • View and pay bills (you must be enrolled in bill pay within online banking) • Mobile Deposit. You need to be enrolled in Online Banking to use this app. To enroll, visit our website or any location. Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ... Auto & Home Insurance Program TruStage™ Life Insurance Plans Auto & Home Insurance Program Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get your free quote today or call 1-855-483-2149. TruStage™ Auto and Home ... We're one week away from the deadline to apply for the HopeSouth Teacher Grant! Apply for a chance to get the classroom upgrade you've wanted.HopeSouth Credit Union checking accounts, also referred to as Share Draft Accounts, provide convenient access to your funds through debit cards, physical checks, and ATMs. Contact the credit union at (864) 366-9602. Checking Accounts (Share Draft) - Manage your daily finances with convenient checking accounts.HopeSouth Credit Union CEO Faye Crocker points out that her credit union’s service area in Abbeville County, SC, has some relatively inexpensive homes for sale. The problem often is the residents still need help to be able to afford them. “We’re a small credit union. It’s hard to be a mortgage lender as a $30 million,” Crocker explained.Feel the rush of excitement as you discover your dream car! With Score Your Perfect Payment at HopeSouth, finding your ideal vehicle is as easy as a swipe. Your dream wheels, your rules – it’s that simple! Picture this: You, behind the wheel of your dream car, cruising towards the sunset with a smile that says it […]Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...72% of Americans admit to being stressed about money. Of that 72%, 22% said they would classify their stress as “extreme.” Financial stress has been linked to migraines, insomnia, and even cardiovascular disease. Not only can financial stress take a toll on your health, it can also casue you to incur some hefty medical bills. […]Get your application in for the HopeSouth Teacher Grant before the deadline this Friday! We want to make sure this never happens to you. Use the basic savings account at HopeSouth to start your emergency savings. It may seem like an impossible task, but having the will power to stick to a strict budget and controlling your spending will save you hundreds, perhaps thousands of dollars (and a whole lot of stress) when life happens. Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...72% of Americans admit to being stressed about money. Of that 72%, 22% said they would classify their stress as “extreme.” Financial stress has been linked to migraines, insomnia, and even cardiovascular disease. Not only can financial stress take a toll on your health, it can also casue you to incur some hefty medical bills. […]“HopeSouth is guided by a simple, but powerful mission: providing financial help and hope to our members. For over 50 years, we have been the financial institution people have turned to for the best payment, rates, and checking accounts. We look forward to providing you with unparalleled service, too.” —Faye Crocker, CEO Who Can Join? […]Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ... Whether you’re buying your first home, or refinancing your current home loan for a lower rate or faster payoff, HopeSouth can help. We offer competitive interest rates and low closing costs without the fine print “junk fees.” Getting pre-approved is easy!, We can help provide financing for all types of home mortgage loans, including: Auto & Home Insurance Program TruStage™ Life Insurance Plans Auto & Home Insurance Program Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get your free quote today or call 1-855-483-2149. TruStage™ Auto and Home ... HopeSouth Credit Union, located in Abbeville, SC, has been providing financial hope and help to its members for over 50 years. With a friendly atmosphere and exceptional customer service, they empower individuals to achieve financial freedom by offering a range of accounts, loans, and financial wellness services.HopeSouth Mobile. HopeSouth FCU. 4.5star. 55 reviews. 1K+ Downloads. Everyone. info. Install. Share. Add to wishlist. About this app. arrow_forward. Access your accounts when and where you want …Buy now pay later, also known as BNPL, sounds pretty attractive. This is particularly true with the state of the current inflation rate in the economy. The idea that you, as a consumer, can figuratively have your cake and eat it too when it comes to holiday shopping sounds like a dream! Until you get […]Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...Bitcoin was the very first cryptocurrency and one of the most popular ones as well. It’s understandable if it piques your curiosity. Nevertheless, it’s important that new investors like you learn more about Bitcoin before you buy digital coins with your hard-earned cash. In this article, you’ll find out what Bitcoin is and how it […]Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ... Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Here’s how much you should have saved for retirement by your 30’s “Start saving for retirement while you’re young.” It’s easier said than done when you are just starting, especially if you have student loan payments taking a huge percentage of your paycheck. First, let’s determine how much you should have saved for retirement. …Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...Over the weekend, President Donald Trump signed a $2 trillion economic relief plan set to provide aid to millions of Americans impacted by the COVID-19 (Coronavirus) pandemic. The package includes stimulus payments for individuals, additional unemployment coverage, student loan relief, and more. But, what does that mean for …Dec 21, 2021 · HopeSouth is here for you! At HopeSouth, we have a team of lenders ready to speak with you about your auto lending options. We want to get you pre-approved so that you can walk onto any car lot with confidence. We’ll discuss the best rate and lowest payment we have for you, in addition to a flexible term that works with your budget. HopeSouth CU Online Banking Member Service - 864-366-9602 Hours of Operations: Mon-Wed 8am to 5pm (Eastern) Thurs and Fri 8 am to 5:30pmAt HopeSouth, we want you to start 2021 on the right foot. But between Christmas bills, credit card debt, and loan payments, the New Year can quickly feel more stressful than you’d like. Don’t let money get in the way of a fresh start. You can still skip a payment this January!* Simply fill out the form below to apply for your Skip-A-Pay […]hopesouth.orgThere are a few occupations that instantly make us think of skeezy men in cheap suits looking to prey on your good nature. You’ve got lawyers, you’ve got loan sharks, and then you’ve got car salesmen. Even with all the balloons, colorful flags, and waving tube men, stepping foot on a car lot can feel […]More often than not, that excitement fades quickly when you have to make your first auto loan payment. If you’re staring down a high auto loan payment, you might be wondering if there’s another way to keep loving your car without the financial headache. What if we told you HopeSouth Credit Union could significantly reduce […] HopeSouth CU Online Banking Member Service - 864-366-9602 Hours of Operations: Mon-Wed 8am to 5pm (Eastern) Thurs and Fri 8 am to 5:30pm. WWW.HOPESOUTH.ORG 864-366-9602 H.ORG HOPESOUTH YOUR CREDIT HISTORY Your credit history is important. It tells businesses how you pay your bills. Those businesses then decide if they want to give you a credit card, a job, an apartment, a loan or insurance. Find out what is in your report. Be sure the information is correct and fix anything that ...Sep 12, 2023 · Entering adulthood often comes with a myriad of responsibilities, and one of the most significant challenges faced by many young people today is managing student debt while striving for financial stability. However, with careful planning, discipline, and the right strategies, it is possible to eliminate student debt, save money, and lay the foundation for a […] Owning a home is a fantastic achievement, but it also comes with its fair share of responsibilities. Don’t worry, though! We’re here to guide you with some practical tips to keep your house in tip-top condition, stay on top of repairs, and make savvy financial choices to protect your investment. Create a Budget and Emergency […]Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...In today’s world, our minds have become all too familiar with instant gratification. We want it all, we want it now, and we want it in every color! So it’s no surprise that many are attracted to the convenience of the “buy now pay later” purchasing model. And with many major retailers offering easy-to-use installment […]Bitcoin was the very first cryptocurrency and one of the most popular ones as well. It’s understandable if it piques your curiosity. Nevertheless, it’s important that new investors like you learn more about Bitcoin before you buy digital coins with your hard-earned cash. In this article, you’ll find out what Bitcoin is and how it […]House of Hope-South Florida, Fort Lauderdale, Florida. 166 likes. House of Hope is a non-profit substance abuse treatment facility. For over 50 years we have providedThe Abbeville Chamber of Commerce celebrated the new branch with a ribbon-cutting on Friday, July 15th for our new Drive-Up Branch. The drive-up branch is located on HWY 72, just down the street from HopeSouth and across from South Side Baptist Church. This site has an ATM and Night Deposit for your convenience! The Night …Choosing a credit card from a financial institution that you know and trust can be very important when it comes to service. Count on HopeSouth for a low, fixed rate and no annual fees. Be sure to look for our balance …HopeSouth provides essential banking services for a specific geographic community, enhancing financial accessibility for local residents and businesses. With over 4,000 members, HopeSouth Federal Credit Union offers a wide range of accounts, including Regular Savings (4,000+), Share Draft (2,000+), Money Market (50+), and Share …Summer is the perfect time to unwind, have fun, and make lasting memories with friends and family. While extravagant vacations and expensive outings might seem tempting, there are plenty of affordable summer activities that you can enjoy without breaking the bank! To help you enjoy the season without sacrificing your wallet, we’re …We have hope and help waiting for you at HopeSouth. When you become a member, we make it our mission to help you take steps toward financial freedom and sustainability. “I …
Click the links below to see our latest Annual Reports. We’re thankful for the grit and determination of current and former HopeSouth board and team members who pushed the mission forward. We are also appreciative of you — the members who have trusted us with your finances since 1972. Below are our most recent annual […] . Mentorify
Why you should avoid store credit cards this holiday season A recent report from LendingTree® said that 44% of consumers planned on opening a store credit card this season. However, that same report said that 56% of those who have had store credit cards in the past have regretted getting them. Sure, those sign-up bonuses […]Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ...The words “credit score” often come with a headache, especially when you’re trying to figure out how to improve yours. That’s why we’re laying out three of the best ways to rebuild or improve your credit score and set yourself up for success. While rebuilding your credit takes time, these steps will help you on […]HOPESOUTH APPAREL, INC. was registered on Jul 16 2012 as a domestic profit corporation type with the address 2594 Winslow Drive, Atlanta, GA, 30305. The company id for this entity is 12057905. There are 3 director records in this entity. The agent name for this entity is: Kotze, Anton. The entity's status is Activenow.HopeSouth Credit Union, Abbeville, South Carolina. 792 likes · 1 talking about this · 26 were here. Proudly serving the financial needs of those who live, work, worship, or attend school in AbbevilleMore often than not, that excitement fades quickly when you have to make your first auto loan payment. If you’re staring down a high auto loan payment, you might be wondering if there’s another way to keep loving your car without the financial headache. What if we told you HopeSouth Credit Union could significantly reduce […] Features: • Check your account balances. • Review recent transactions. • Transfer funds between your accounts. • View and pay bills (you must be enrolled in bill pay within online banking) • Mobile Deposit. You need to be enrolled in Online Banking to use this app. To enroll, visit our website or any location. About HopeSouth Federal Credit Union. HopeSouth Federal Credit Union is located at 807 W Greenwood St in Abbeville, South Carolina 29620. HopeSouth Federal Credit Union can be contacted via phone at 864-366-9602 for pricing, hours and directions.HopeSouth Credit Union checking accounts, also referred to as Share Draft Accounts, provide convenient access to your funds through debit cards, physical checks, and ATMs. Contact the credit union at (864) 366-9602. Checking Accounts (Share Draft) - Manage your daily finances with convenient checking accounts.Look out — there’s a new scam in town! “Smishing” is a scam format that has recently encountered a boost in scammer popularity, and it’s surprisingly sneaky. Keep reading to learn more about smishing and how to keep your information safe! What is Smishing? Smishing is similar to phishing, but the scam is accomplished through SMS […]Hopesouth Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Hopesouth Credit Union, you are subject to the ....