Merrimack Valley Credit Union. Chartered in 1955, Merrimack Valley Credit Union has been providing financial services the Worcester, MA community for over 69 years. Worcester Branch. 530 Grafton Street, Worcester, MA 01604 (508) 755-3176. Contact & Hours Online BankingOn Tuesday, June 13, Merrimack Valley Credit Union (MVCU) awarded a total of $17,500 in scholarships to 16 high school students from southern New Hampshire and Massachusetts. The students were honored with a special ceremony and dinner with MVCU’s senior leadership team at the credit union’s Lawrence corporate office.Merrimack Valley Credit Union Forms & Applications. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & Personal Mortgage & Home Equity Undergraduate, Graduate, & Refi Commercial Loans & Lines Former RTN Members. Routing #2113 8492 6 ...The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses. As of September 30, 2023, Merrimack Valley had $10,447,163 in non-current loans and $5,019 in owned assets.Merrimack Valley Credit Union offers the best rates on CDs, savings. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & Personal ...The newly merged credit union will operate under the Merrimack Valley Credit Union name until a new name is launched in late 2024. MVCU is now one of the five largest credit unions in Massachusetts with more than $2.3 billion in assets, 115,000 members and 28 branches. In March, members of MVCU and RTN voted in favor of merging the two ...Get secure access to all of your Credit Union accounts anytime with easy-to-use Online Banking. View savings and loan histories, make loan payments, perform transfers, review balances, send and receive e-mail messages or download data to Quicken software. ... Merrimack Valley Credit Union. 600 Main Street . Waltham, MA 02452-5537 . 781-736-9900 ...Founded in 1955, Merrimack Valley Credit Union (MVCU) is a state-chartered community credit union with over $2.4 billion in assets. Our Corporate Office is located in Lawrence, …Merrimack Valley Credit Union is the fastest-growing credit union in Massachusetts and now the 5th largest credit union in the state, with over $2.4B in assets. Founded in 1955, Merrimack Valley currently serves over 115,000 members in Massachusetts, New Hampshire, and Rhode Island, offering a full suite of consumer and commercial products and ... Merrimack Valley Credit Union's Tewksbury Branch serves the greater Tewksbury, Massachusetts community with full service banking services from opening a checking account through closing a loan Merrimack Valley Credit Union: Locations. Since its founding in 1955, Merrimack Valley has expanded across the Tewksbury, MA area, now operating 10 branches to make quality financial services accessible to everyone. Branch Locator ATMs4 reviews and 4 photos of Merrimack Valley Credit Union "I have been a member for years. I had an issue with a check. I went to the branch on 114 spokr with a teller who was unable to resolve my issue. I then called the other branches Merrimack St and Rte 28 branch Methuen also no help. I called branch on 114 again and spoke with Carmen. I explained in detail my issue and she stated she will ...Merrimack Valley Credit Union. 600 Main Street . Waltham, MA 02452-5537 . 781-736-9900 . 800-338-0221 . Routing Number 211386445. Our website uses cookies to enhance your experience. By clicking “Accept All,” you consent to the use of ALL the cookies. However, you may visit "Cookie Settings" to provide a controlled consent. …Merrimack Valley Credit Union's North Andover Branch serves the greater North Andover, Massachusetts community with full service banking services from opening a checking account through closing a loan. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search ...Merrimack Valley Credit Union 500 Merrimack Street Lawrence, MA 01843 (800) 356-0067 (formerly known as Merrimack Valley FCU) Jeanne D'Arc Credit Union 1 Tremont Place Lowell, MA 01854 (978) 452-5001. Hanscom Federal Credit Union 1610 Eglin Street Hanscom Air Force Base, MA 01731 (800) 656-4328.Merrimack Valley Credit Union was recently named "Best Credit Union" in the Eagle-Tribune's annual contest in which the newspaper's audience votes online for their favorite local businesses. The Eagle-Tribune covers the Merrimack Valley region of Massachusetts and southern New Hampshire, including the towns of Andover, North Andover ...Case Complaint Summary. This complaint involves a breach of contract case between Merrimack Valley Credit Union and Fitz L. Denton. The Defendant purchased a 2017 Lamborghini Huracan for $103,050.00 and was obligated to make monthly payments of $1,503.88 starting from September 20, 2023. The Defendant has been in default since … About MVCU. Founded in 1955, Merrimack Valley Credit Union (MVCU) is a state-chartered community credit union with over $2.4 billion in assets. Our Corporate Office is located in Lawrence, Massachusetts. We currently serve over 115,000 members in Massachusetts, New Hampshire and Rhode Island, offering a wide range of savings and loan products ... 2020. Form: 990. EIN: 04-2206928. Download: Download PDF. Load rest of the Form 990 pages. View and download the year Form 990 for Merrimack Valley Credit Union, for the fiscal year ending 2020-12.Your financial institution's routing number (Merrimack Valley Credit Union's routing number is 2113 8492 6 and the routing number for Bridgewater Credit Union, a division of Merrimack Valley Credit Union, is 2113 8131 4) 1098 forms if you are in school or paying student loans. Receipts for any qualifying energy-efficient home improvements.Merrimack Valley Credit Union Frequently Asked Questions. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & Personal Mortgage & Home Equity ...The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses. As of December 31, 2023, Merrimack Valley had $1,785,382 in non-current loans and $36,408 in owned assets.Merrimack Valley Credit Union 500 Merrimack Street Lawrence, MA 01843 (800) 356-0067 (formerly known as Merrimack Valley FCU) Jeanne D'Arc Credit Union 1 Tremont Place Lowell, MA 01854 (978) 452-5001. Hanscom Federal Credit Union 1610 Eglin Street Hanscom Air Force Base, MA 01731 (800) 656-4328.Merrimack Valley Credit Union | 635 followers on LinkedIn. Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley Credit Union is here with your best interest at heart! We're all about the credit union mission of "people helping people" and offering you quality products and services at reasonable rates and costs. With our roots solidly ...Best Banks & Credit Unions near Merrimack Valley Credit Union - Merrimack Valley Credit Union, The Savings Bank, Andover Federal Credit Union, TD Bank, Eastern Bank, Georgetown Bank, Pentucket Bank, Enterprise Bank, Salem Five Bank, Metro Credit UnionNow with decades of banking experience and his new role as vice president of retail banking at Merrimack Valley Credit Union (MVCU), Potter has more than achieved this goal. Potter’s career began in the late 1980s as a teller at Shawmut Bank, which became Fleet Bank and later Sovereign Bank (now Santander) after several mergers and ...Merrimack Valley Credit Union | 838 followers on LinkedIn. Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley Credit Union is here with your ...Merrimack Valley Credit Union's Tewksbury Branch serves the greater Tewksbury, Massachusetts community with full service banking services from opening a checking account through closing a loan. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle ...Now with decades of banking experience and his new role as vice president of retail banking at Merrimack Valley Credit Union (MVCU), Potter has more than achieved this goal. Potter's career began in the late 1980s as a teller at Shawmut Bank, which became Fleet Bank and later Sovereign Bank (now Santander) after several mergers and ...Merrimack Valley Library Consortium. Hybrid work in North Andover, MA 01864. $65,884 - $72,188 a year. Full-time. Monday to Friday + 1. Easily apply. The Merrimack Valley Library Consortium (MVLC) is a member-driven library network serving 36 public libraries in the Merrimack Valley region of Massachusetts. Posted.Great low rates for new and used leisure vehicles, boats and RV financing via Merrimack Valley Credit Union. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & Personal ...ATKINSON, N.H. — Merrimack Valley Credit Union recently hosted its Charity Golf Classic at Atkinson Resort & Country Club. The tournament, sponsored by Synergent, raised more than $55,000 to ...Jan 16, 2024. LAWRENCE — Merrimack Valley Credit Union announces that James C. Potter has joined the credit union as vice president of retail banking. Potter will oversee the credit union's ...The team from Merrimack Valley Credit Union chose "Incredibles" costumes for the Disney-themed bowling fundraiser hosted by Family Services of the Merrimack Valley. REBA SALDANHA photos Mark Brady of Merrimack Valley Credit Union bowls during the 15th annual Bowl a Strike for Kids fundraiser, hosted by Family Services of the Merrimack Valley.Merrimack Valley Federal Credit Union Branch Location at 436 Broadway, Methuen, MA 01844 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews. Find Branches Branch spot.For more than half a century, Merrimack Valley Credit Union (Lawrence, Mass.) has been proudly providing the Merimack River valley communities it serves with quality financial products and services. The credit union's goal is to be here for its membe...Merrimack Valley Credit Union, Lawrence, Massachusetts. 29 likes · 31 were here. Credit Union Merrimack Valley Credit Union's Brookline Branch serves the greater Brookline, Massachusetts community with full service banking services from opening a checking account through closing a loan Loan Rates. Mortgage Rates. Deposit Rates. Merrimack Valley Credit Union Savings and Loan Rates.Jan 16, 2024. LAWRENCE — Merrimack Valley Credit Union announces that James C. Potter has joined the credit union as vice president of retail banking. Potter will oversee the credit union's ...Merrimack Valley Credit Union Auto Loan Calculator. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & Personal Mortgage & Home Equity Undergraduate, Graduate, & Refi Commercial Loans & Lines Former RTN Members. Routing #2113 8492 6 ...61 reviews and 7 photos of MERRIMACK VALLEY CREDIT UNION "I have been a member of RTN for many years and during that time I have experienced excellent customer service 99% of the time. Like any institution I suppose every once in a while, you can get a bad employee, but my take has not been that case. When I've compared this …Explore Merrimack Valley's Credit Union Services. At Merrimack Valley CU, discover a diverse range of financial services tailored to meet your personal and business needs. …Merrimack Valley Credit Union 500 Merrimack Street Lawrence, MA 01843 (800) 356-0067 (formerly known as Merrimack Valley FCU) Jeanne D'Arc Credit Union 1 Tremont Place Lowell, MA 01854 (978) 452-5001. Hanscom Federal Credit Union 1610 Eglin Street Hanscom Air Force Base, MA 01731 (800) 656-4328.Statement or Payment Questions: 800-723-2210. Online Servicing Portal for Existing Borrower: https://www.uasecho.com. Payments Sent To: UAS, PO Box 5865, Carol Stream, IL 60197-5865. Student loans are offered through our partnership with Student Choice, a premier organization specializing in student loans for credit unions only.LAWRENCE, MASS (November 2, 2023) — Merrimack Valley Credit Union (MVCU) has donated $30,000 to Emmaus, Inc. in Haverhill, Mass. MVCU began supporting Emmaus in 1994 and is currently the ...Merrimack Valley Credit Union Certificate Number: 68693. 500 Merrimack Street Lawrence, MA 01843. Division of Banks 1000 Washington Street, 10th Floor Boston, Massachusetts 02118. This document is an evaluation of this institution's record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods ...It is the policy of Merrimack Valley Credit Union to accept funds transfers from your Share Draft checking account. However, with respect to Share savings accounts, we will allow you to make no more than (6) withdrawals or transfers to another credit union account that you own orMerrimack Valley Credit Unions | Merrimack Valley Chamber of Commerce | 264 Essex St., Lawrence, MA, 01840 | [email protected] Former RTN Federal Credit Union Members. While RTN Federal Credit Union and Merrimack Valley Credit Union became one institution last year, our computer systems did not fully integrate at the time of the merger. On June 1, 2024, we will complete the final step and consolidate RTN's computer system into the MVCU system. Once the ...Merrimack Valley Credit Union has extended its requirement read more company news. Read All. Workforce Management. Employee Relations Safety. Get real Scoops about Merrimack Valley Credit Union. Start Free. Start a 14-day free trial. People Similar to Kaitlyn Medeiros . Top 3 Recommended Profiles.MVCU's recent merger with RTN Federal Credit Union created a credit union with more than $2.3 billion in assets, 26 branches and more than 115,000 members. To visit one of the branches, go to ...Merrimack Valley Credit Union jobs. Sort by: relevance - date. 12 jobs. Consumer Loan Underwriter I (Non-Residential Underwriting) Merrimack Valley Credit Union. Bridgewater, MA 02324. Pay information not provided. Full-time. Easily apply: Demonstrates sound un underwriting skills & judgement that support MVCU credit policies and risk tolerance.Registration is now open for the 2024 Merrimack Valley Credit Union Charity Golf Classic at the beautiful Atkinson Resort & Country Club! Please consider joining the MVCU team on Monday, June 10, 2024, for an exciting day of food, competition, camaraderie and, of course, golf. We're bringing back the air cannon, adding dart board golf and ...Former RTN members can continue to apply for vehicle loans, personal loans, and credit cards using our online applications. You also may call 781-736-9900 24/7 to apply for a consumer loan. Apply for a mortgage, home equity loan or line of credit with our online application.Since 1995, Credit Unions Online has been a leading provider of up-to-date, reliable information on credit unions across the United States. Use our locator tool to effortlessly find the best credit unions near you. Expertise backed by decades of helping users find the best financial services. A trusted resource for member reviews and up-to-date ...Reviews from Merrimack Valley Credit Union employees about Merrimack Valley Credit Union culture, salaries, benefits, work-life balance, management, job security, and more.They make you feel like a valued member of the team and support the team members ideas. Employees embrace the culture all the way from the CEO right down to the tellers. It's all about One Team working together to Embrace Accountability while work...The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses. As of December 31, 2023, Merrimack Valley had $1,785,382 in non-current loans and $36,408 in owned assets.Merrimack Valley Credit Union is a trusted financial institution located in North Andover, MA, serving the Town of Merrimack Valley. With a commitment to serving its members and supporting the community, the credit union offers a wide range of banking services, including checking and savings accounts, loans for various purposes, mortgages, and online banking options.Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely ...Exclusive discounts on ALM and Credit Union Times events. Access to other award-winning ALM websites including TreasuryandRisk.com and Law.com. Q1 consolidations are down compared to the 41 ...Merrimack Valley Credit Union 916 followers 21h Report this post The deadline for the MVCU scholarship is February 29! MVCU is offering 15 scholarships to students graduating from a high school ...For Merrimack Valley Credit Union, a net income of $8,495,278 showcases the credit union's overall financial health and its ability to generate profit from its operations. This figure is crucial for stakeholders as it reflects the credit union's profitability, efficiency, and sustainability.Find out what works well at Merrimack Valley Credit Union 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 Merrimack Valley Credit Union is the best company for you.See Merrimack Valley Credit Union salaries collected directly from employees and jobs on Indeed. Salary information comes from 2 data points collected directly from employees, users, and past and present job advertisements on Indeed in the past 36 months.Self Banking services including ATM or Debit Cards and telephone banking offered through Merrimack Valley Credit Union. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & Personal ...The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses. As of December 31, 2023, Merrimack Valley had $1,785,382 in non-current loans and $36,408 in owned assets.Pay your Merrimack Valley Credit Union auto or personal loan via text. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto ...Merrimack Valley Credit Union. Lawrence, MA; EIN: 04-2206928; Receive an email when new data is available for this organization. Organization summary. Organization summary might be incomplete or out of dateAllows owners instant access to their accounts anytime, anywhere with online banking. Enjoy the convenience of 24/7 access to your personal or business accounts. Available on both personal and business accounts. Convenient, internet access at home or office. 24-hour access, 7 days a week.Reviews from Merrimack Valley Credit Union employees about working as a Financial Representative at Merrimack Valley Credit Union. Learn about Merrimack Valley Credit Union culture, salaries, benefits, work-life balance, management, job security, and more.Merrimack Valley Credit Union's Post Merrimack Valley Credit Union 913 followers 4h Report this post This year's calendar contest focused on the theme "A New England Landscape." ...At Merrimack Valley Credit Union, your voice matters. Your insights and experiences at branches drive Merrimack Valley to continuously improve and tailor services to meet your needs better. If you've recently visited the Danvers Branch location, please leave a review. Your feedback not only helps but also guides fellow members in making ...Merrimack Valley Credit Union. Chartered in 1955, Merrimack Valley Credit Union has been providing financial services the Worcester, MA community for over 69 years. Worcester Branch. 530 Grafton Street, Worcester, MA 01604 (508) 755-3176. Contact & Hours Online BankingRegistration is now open for the 2024 Merrimack Valley Credit Union Charity Golf Classic at the beautiful Atkinson Resort & Country Club! Please consider joining the MVCU team on Monday, June 10, 2024, for an exciting day of food, competition, camaraderie and, of course, golf. We’re bringing back the air cannon, adding dart board golf and ...3. Merrimack Valley Credit Union. 962 followers. 2w. Due to the storm, our Plaistow branch is currently closed. Online and Mobile Banking are available for your convenience, and our Member Support ...Merrimack Valley Credit Union (MVCU) hosted its annual Shred It Day on Saturday, September 10. During the event, which was held at MCVU's North Andover and Plymouth branches, members of the credit union brought in old, unwanted documents to be shredded. MVCU Members travelled from throughout the Merrimack Valley, including Lawrence, Methuen ...Merrimack Valley Credit Union. 963 followers. 2w. Due to the storm, our Plaistow branch is currently closed. Online and Mobile Banking are available for your convenience, and our Member Support ...Merrimack Valley Credit Union | 628 followers on LinkedIn. Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley Credit Union is here with your best interest at heart! We're all about the credit union mission of "people helping people" and offering you quality products and services at reasonable rates and costs. With our roots solidly ...LYNN — Merrimack Valley Credit Union team members recently joined the Metro Boston Chapter of the Cooperative Credit Union Association to build beds for the nonprofit A Bed for Every Child, a ...Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely ...
Merrimack Valley Credit Union's Danvers Branch serves the greater Danvers, Massachusetts community with full service banking services from opening a checking account through closing a loan. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search .... Wikifx
Merrimack Valley Credit Union is a state-chartered community credit union with more than $1 billion in assets. Merrimack Valley Credit Union serves anyone who lives, works, volunteers, or attends school in the Merrimack Valley region, and through its Bridgewater Credit Union division, Barnstable, Bristol,Feb 7, 2019. LAWRENCE — Graduating seniors in the Merrimack Valley looking for financial support as they prepare for college have three weeks to apply for one of nine scholarships from Merrimack ...Best Banks & Credit Unions near Merrimack Valley Credit Union - Merrimack Valley Credit Union, The Savings Bank, Andover Federal Credit Union, TD Bank, Eastern Bank, Georgetown Bank, Pentucket Bank, Enterprise Bank, Salem Five Bank, Metro Credit Union 90%. 9.500%. 1.00%. 8.50%. Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%. The maximum annual percentage rate that can apply is 18%. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee of $300 will apply if closed within the first ... Keep rewarding the loyal, dedicated, hardworking employees with performance/bonus incentives, benefits, etc. I am very impressed and optimistic about the potential and future of Merrimack Valley Credit Union! Both management and colleagues are doing a great job with the merger adjustments and overcoming these challenges.8 questions about working at Merrimack Valley Credit Union. What tips or advice would you give to someone interviewing at Merrimack Valley Credit Union? Asked December 22, 2023. Answer. Be the first to answer! Report. What is the promotion process like at Merrimack Valley Credit Union? Asked February 10, 2023. Answer.Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley is here with your best interest at heart!Throughout my years of service to Merrimack Valley Credit Union, formerly known as Bridgewater Credit Union, I have held multiple positions in the past 17 years. Beginning my journey as a teller ...Merrimack Valley Credit Union Personal Loan Calculator. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & Personal Mortgage ...Merrimack Valley Credit Union. 3,174 likes · 11 talking about this · 265 were here. Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley is here... Auto loans offered through Merrimack Valley Credit Union. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search ... Merrimack Valley Credit Union | 878 follower su LinkedIn. Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley Credit Union is here with your best interest at heart! We're all about the credit union mission of "people helping people" and offering you quality products and services at reasonable rates and costs. With our roots solidly ...Learn how to access and use the new features and tools of MVCU online and mobile banking. Download the app, update your settings, and enjoy the simplified navigation and modern look.Merrimack Valley Credit Union Frequently Asked Questions. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a ... Auto Loans Personal Loans Credit Cards Visa Online Access Mortgage Loans Home Equity Construction Loans Student Loans & Refinance Credit Counseling Financial Hardship.Merrimack Valley Federal Credit Union. View Peter Matthews’ profile on LinkedIn, the world’s largest professional community. Peter has 1 job listed on their profile. See the complete profile ...Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely to or …Features: -Transfer money between your accounts at MVCU and other financial institutions. -Deposit Checks. -Make loan payments. -Send money to friends and family. -View your balances and transaction history. -Pay bills. If you have questions about the app, please contact our Member Support Team at 800-356-0067. more.Merrimack Valley CU Haverhill Central Plaza Branch 2 Water Street Haverhill, MA 01830 ( Map) Phone Number: (800) 356-0067. Fax: (978) 521-4389. Website: Visit Website. Online Banking: Login.Merrimack Valley Credit Union offers low-cost personal loans. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search ... For cash out or refinancing of existing Merrimack Valley secured loans, contact the Credit Union for rates, terms, and conditions.Merrimack Valley Credit Union (MVCU) has announced that its annual scholarship program is open for high school seniors graduating in 2024. The credit union is accepting applications from now through Thursday, Feb. 29. The third annual Lisa Lewis Goodman Community Spirit Award of $2,500 will be presented to one student who embodies the ….