Croghan colonial bank fremont ohio - Croghan Colonial Bank | 1,091 followers on LinkedIn. Helping good people make good decisions. | At Croghan, we understand where you’re coming from. Literally. ... Fremont, OH 1,091 followers Helping good people make good decisions. See jobs Follow View all 150 employees ...

 
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Paul Wannemacher is a Vice President, Senior Trust Officer and Financial Planner at Croghan Colonial Bank based in Fremont, Ohio. Previously, Paul was a Resident Financial Planner at Financial Finesse and also held positions at KeyBank Center, Community Foundation of Monroe County, First Merchants Bank, Fifth Third Center. Call Us 419-332-7301 888-276-4426. Email Us. Send a Secure Email. Mailing Address . 323 Croghan Street Fremont, OH 43420. Routing Number. 041202744 Before you buy properties at Ohio tax lien sales, learn about the auction process and requirements and explore the various properties available. Research interesting properties to ...Vice President Senior Wealth Management Advisor at Croghan Colonial Bank. Diane brings over 35 years of experience, with experience in administering trusts, managing operations, and compliance. Diane takes pride in being a fiduciary in the industry and looking out for her client's best interests. …croghan colonial bank- main branch fremont • croghan colonial bank- main branch fremont photos • ... Croghan St. (S Arch St.) Fremont, OH 43420 United States. Get directions. See More. United States » Ohio » Sandusky County » Fremont » Is this your business? Claim it now.Fremont, OH. Connect ... Lead Director - Croghan Colonial Bank Fremont, OH. Connect Alan Fisher Commercial Deposit Advisor at Croghan Colonial Bank Fremont, OH. Connect ...Fremont, Ohio, United States. 1 follower 1 connection See your mutual connections. View mutual connections with Jodi ... President/CEO at Croghan Colonial Bank Fremont, OH. Connect Carley B ...Colony Credit Real Estate News: This is the News-site for the company Colony Credit Real Estate on Markets Insider Indices Commodities Currencies Stocks6 customer reviews of Croghan Trust & Investment Services. One of the best Investment Bank businesses at 323 Croghan Street, Fremont, OH 43420 United States. Find reviews, ratings, directions, business hours, and book appointments online.Fremont, Ohio, United States ... Chief Credit Officer at Croghan Colonial Bank Fremont, OH. Connect Joe Brandon -- Fremont, OH. Connect Kim Schulze Branch Manager at OneMain Financial ...The Croghan Colonial Bank Branch Location: Branch Name: OAK HARBOR BRANCH Address: 147 W Water St Oak Harbor, Ohio 43449 ... 323 Croghan St Fremont, Ohio 43420. Established: 07/25/1888. Became FDIC Insured: 01/01/1934. Number of Branches: 19. Online Banking Website: https://www.croghan.com.Shared by Shantel Laird. Congratulations to Croghan Colonial Bank for the completion of their Fremont West drive-thru. The Fremont West location, 2001 W. State Street, is….Fremont, Ohio, United States. 10 followers 10 connections. Join to view profile ... Executive Assistant / Investor Relations at The Croghan Colonial Bank. Terra State Community CollegeColony Credit Real Estate News: This is the News-site for the company Colony Credit Real Estate on Markets Insider Indices Commodities Currencies Stocks Fremont, Ohio, United States. 181 followers 168 connections See your mutual connections. View mutual connections with Kendall ... Commercial Lender for the greater Cleveland area for Croghan ... Location Pages Meta Description: Croghan Colonial Bank's Fremont West office is a full-service banking facility at 2001 West State StreetFremont, OH 43420. View the hours and contact information here. Search Croghan Colonial Bank Routing Number in Fremont city, OH. This routing number is used for ACH and wire money transfer from Croghan Colonial Bank Fremont to other banks in United States of America.If you have questions, call Laura Whipple at 419-355-2111 or Aaron Lockhart at 419-333-4714. We strive to provide equal employment and advancement opportunities to all qualified associates and applicants without regard to race, color, creed, religion, sex, gender, gender identity/expression, sexual orientation, age, ancestry, … Croghan Colonial Bank has 5 banking offices in Fremont, Ohio. There are 2 more Croghan Colonial Bank branches near Fremont within a radius of 10 miles. You can find other offices in neighbourhood locations such as Fremont, Clyde and Green Springs. Locations of Croghan Colonial Bank offices in Fremont are shown on the map below. You can scroll ... Fremont, Ohio, United States Croghan Colonial Bank 4 years 10 months ... Various Operations Positions Through Out The Bank at The Croghan Colonial Bank Fremont, OH. Connect Emma Sears ... The Croghan Colonial Bank Nearby Location; The Croghan Colonial Bank at Sean Street: Fremont, OH: The Croghan Colonial Bank at River Street: Fremont, OH: The Croghan Colonial Bank at East State Street: Fremont, OH: The Croghan Colonial Bank at North Broadway Street: Green Springs, OH: The Croghan Colonial Bank at North Main Street: Clyde, OH The Croghan Colonial Bank Branch Location: Branch Name: OAK HARBOR BRANCH Address: 147 W Water St Oak Harbor, Ohio 43449 ... 323 Croghan St Fremont, Ohio 43420. Established: 07/25/1888. Became FDIC Insured: 01/01/1934. Number of Branches: 19. Online Banking Website: https://www.croghan.com.An honorary Fremont Kiwanis Club member, where Peggy served as Treasurer for the entire Ohio District. Peggy is a current Community Advisor with the Sandusky County Communities Foundation and a Finance Board representative. Peggy incorporates all of these valuable leadership skills into what she does at Croghan. Phone: 419-355-2171Croghan Colonial Bank. Aug 2022 - Present 1 year 7 months. Fremont, Ohio, United States.COLUMBUS, Ohio, July 19, 2021 /PRNewswire/ -- CFBank, the wholly-owned banking subsidiary of CF Bankshares Inc. (NASDAQ: CFBK) today announced tha... COLUMBUS, Ohio, July 19, 2021 ... GenoaBank, founded in 1902, is a locally-owned, independent community bank that provides a broad range of banking services to both Worldwide Acceptance of both VISA ® and Mastercard ®. Various Credit Limits to Meet Your Needs. Constant Fraud Protection. Customer Service is Always Available to Assist you with: Card Activation. To Report a Lost or Stolen Card (Report Immediately) General Credit Card Inquiry. Contact Customer Service: 888-564-5025.Croghan Colonial Bank, Fremont, Ohio. 1,582 likes · 334 talking about this · 45 were here. Croghan Colonial Bank is a full-service community bank proudly offering products and services for boFremont, Ohio, United States. 57 followers 57 connections. ... In our first Chamber member spotlight video, go behind the scenes of banking with Croghan Colonial Bank. Kendall Rieman, President ...Croghan Colonial Bank Clyde branch is located at 100 North Main Street, Clyde, OH 43410 and has been serving Sandusky county, Ohio for over 49 years. Get hours, reviews, customer service phone number and driving directions. ... 300 Croghan Street, Fremont, OH 43420. Old Fort Banking Fremont. 300 W. State St., Fremont, OH 43420. … Croghan Colonial Bank, Fremont, Ohio. 1,623 likes · 423 talking about this · 51 were here. Croghan Colonial Bank is a full-service community bank proudly offering products and services for both... Worldwide Acceptance of both VISA ® and Mastercard ®. Various Credit Limits to Meet Your Needs. Constant Fraud Protection. Customer Service is Always Available to Assist you with: Card Activation. To Report a Lost or Stolen Card (Report Immediately) General Credit Card Inquiry. Contact Customer Service: 888-564-5025. Maybe—but so is the proliferation of a Western diet that makes vegetarianism look like the better option for the planet. The debate over whether a vegetarian diet is better for the...Croghan Colonial Bank, the Fremont, OH main location, is a trusted provider of financial services for individuals, businesses, and communities. We offer a wide range of banking and financial services, including personal checking accounts, personal savings accounts, personal credit & debit cards, business checking …Croghan Colonial Bank's Fremont Ballville Drive-Thru office is a full-service banking facility at 1600 River Street, Fremont, OH 43420. View the hours and contact information here. ... Fremont, OH 43420. Telephone: 419-355-2361 . ATM Available. Directions. Lobby Hours: Monday - Friday: Call for an Appointment: Saturday: Closed: Croghan Colonial Bank 1225 East State Street Fremont, OH 43420. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. Croghan Colonial Bank Fremont East branch is located at 1312 East State Street Branch, Fremont, OH 43420. Get hours, reviews, customer service phone number and driving …Croghan Colonial Bank has 5 banking offices in Fremont, Ohio. There are 2 more Croghan Colonial Bank branches near Fremont within a radius of 10 miles. You can …The Croghan Colonial Bank Branch Location at 2001 West State Street, Fremont, OH 43420 - Hours of Operation, Phone Number, Routing Numbers, Address, Directions and …Croghan Colonial Bank 1225 East State Street Fremont, OH 43420. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your … Location Pages Meta Description: Croghan Colonial Bank's Fremont West office is a full-service banking facility at 2001 West State StreetFremont, OH 43420. View the hours and contact information here. Croghan Colonial Bank, the Fremont, OH main location, is a trusted provider of financial services for individuals, businesses, and communities. ... Croghan Colonial ... Apr 16, 2023 · Michael Kelso is a financial advisor operating in Fremont, Ohio who has 5 years of relevant experience. Kelso is currently employed by Lpl Financial LLC. Throughout their career, they have worked at Fifth Third Bank, Fifth Third Securities, Lpl Financial LLC and The Croghan Colonial Bank. Kelso holds Series 63 and Series 66 licenses, certifying ... Croghan Colonial Bank, Fremont, Ohio. 1,582 likes · 334 talking about this · 45 were here. Croghan Colonial Bank is a full-service community bank proudly offering products and services for boHuman Resource Assistant. The Croghan Colonial Bank. Dec 1994 - Sep 2010 15 years 10 months.Office Manager at Croghan Colonial Bank. Tiffany Wehring is an Office Manager at Croghan Colonial Bank based in Fremont, Ohio. Read More. View Contact Info for Free. Tiffany Wehring's Phone Number and Email. Last Update. 12/25/2023 6:55 AM. Email. t***@croghan.com. Engage via Email.Fremont, Ohio, United States ... Chief Credit Officer at Croghan Colonial Bank Fremont, OH. Connect Joe Brandon -- Fremont, OH. Connect Kim Schulze Branch Manager at OneMain Financial ...Fremont, Ohio, United States Dealer Relation Specialist TCF Bank Aug 2020 - Jun 2021 11 ... Commercial Deposit Advisor at Croghan Colonial Bank Fremont, OH. Connect ...Details. Phone: (419) 355-2352 Address: 2001 W State St, Fremont, OH 43420 Website: website People Also Viewed. Fremont Federal Credit Union. 315 Croghan St, Fremont, OH 43420. PNC Bank. 1300 Oak Harbor Rd, Fremont, OH 43420 The Croghan Colonial Bank was established on July 25, 1888. Headquartered in Fremont, OH, it has assets in the amount of $776,058,000. Its customers are served from 17 locations. Tiffin, Ohio 44883. ... FREMONT, OH 43420 (419) 332-7301: WHERE CAN YOU FIND THE CROGHAN COLONIAL BANK TIFFIN EAST BRANCH ROUTING NUMBER ON YOUR CHECK? Note: The The Croghan Colonial Bank Tiffin East Branch routing and account numbers may appear in different places on your check.Croghan Colonial Bank's Fremont Main office is a full-service banking facility at 33 Park Street Milan, OH 44846. View the hours and contact information here. Contact Us; ... Milan, OH 44846. Telephone: 567-401-0260 . ATM Available. Directions. Lobby Hours: Monday, Tuesday, Thursday, Friday. 9:00am - 4:00pm. Wednesday: 9:00am - Noon. Saturday.Fremont, Ohio, United States. 16 followers 13 connections See your mutual connections. View mutual connections with Pamela ... Real Estate Loan Originator at Croghan Colonial Bank Fremont, OH ...Croghan Colonial Bank · About. A long established community bank with 18 locations in Northwest Ohio and specifically with a Commercial Services Center located ...The minimum wage for servers in Ohio is $4.65. However, the average server can make $11.30 an hour, but it can be much higher if you're well tipped. Therefore, if you are looking ...Banking Anytime, Anywhere. With our digital services, such as Online Banking, Bill Pay, and Zelle®, it’s easy to bank on your time. Learn More. Fraud Prevention. Don't let your … The Croghan Colonial Bank Branch Location at 323 Croghan Street, Fremont, OH 43420 - Hours of Operation, Phone Number, Routing Numbers, Address, Directions and ... Fremont, Ohio, United States. 181 followers 168 connections See your mutual connections. View mutual connections with Kendall ... Commercial Lender for the greater Cleveland area for Croghan ...If you have questions about your personal information or would like to inform us about the potential misuse of your personal information, you may do so by sending a letter to the Compliance Officer, The Croghan Colonial Bank, 323 Croghan Street, Fremont, Ohio, 43420, by sending telefacsimile to the Compliance Officer at (419) 355-2100 or by calling …Croghan Colonial Bank's Fremont Main office is a full-service banking facility at 33 Park Street Milan, OH 44846. View the hours and contact information here. Contact Us; ... Milan, OH 44846. Telephone: 567-401-0260 . ATM Available. Directions. Lobby Hours: Monday, Tuesday, Thursday, Friday. 9:00am - 4:00pm. Wednesday: 9:00am - Noon. Saturday.Aug 28, 2021 ... Downtown Fremont Inc. will hold the Croghan Colonial Bank ... Croghan Street to the alley at the Fremont Municipal Building. ... For Heritage Ohio ... Croghan Bancshares (OTCQB: CHBH) is the parent holding company of Croghan Colonial Bank, an Ohio state-chartered bank, locally owned and operated since 1888. MEMBER FDIC | Equal Housing Lender | NMLS #451442. Website. https://www.croghan.com. Industry. Financial Services. Company size. 201-500 employees. Stanley Morgan is a Vice President, Underwriting at Croghan Colonial Bank based in Fremont, Ohio. Previously, Stanley was a Baseball Umpire at Ohi o High School Athletic Association. Read More . Contact. Stanley Morgan's Phone Number and Email Last Update. 3/15/2023 4:58 PM. Email. m***@croghan.com.Fremont, Ohio, United States. 10 followers 10 connections. Join to view profile ... Executive Assistant / Investor Relations at The Croghan Colonial Bank. Terra State Community CollegeCroghan Colonial Bank Curtice branch is located at 7182 North Lucas St., Curtice, OH 43412 and has been serving Ottawa county, Ohio for over 65 years. Get hours, reviews, customer service phone number and driving directions. ... 323 Croghan Street, Fremont 43420. Port Clinton Downtown (24 miles away) 226 East Perry …I spent two nights at this Small Luxury Hotels of the World property located within walking distance of the historic Old City in Jerusalem. Here's a detailed look at my stay at the...Colony Credit Real Estate News: This is the News-site for the company Colony Credit Real Estate on Markets Insider Indices Commodities Currencies StocksDetails. Phone: (419) 355-2352 Address: 2001 W State St, Fremont, OH 43420 Website: website People Also Viewed. Fremont Federal Credit Union. 315 Croghan St, Fremont, OH 43420. PNC Bank. 1300 Oak Harbor Rd, Fremont, OH 43420 The Croghan Colonial Bank Branch Location at 2001 West State Street, Fremont, OH 43420 - Hours of Operation, Phone Number, Routing Numbers, Address, Directions and Reviews. How to Enroll. While logged into your Business Online Banking service, select the "Account Services" option from the top toolbar. Select the "Croghan Alerts" option from the drop-down list that appears. Select "Setup New Alert." Select a "Category" and "Type" of alert by using the drop-down options, and select "Next." Location Pages Meta Description: Croghan Colonial Bank's Fremont West office is a full-service banking facility at 2001 West State StreetFremont, OH 43420. View the hours and contact information here. Croghan Colonial Bank is promoting consumer education during National Consumer Protection Week, (March 3 - 9). Know your rights and avoid scams… Liked by Leslie LaconisCOLUMBUS, Ohio, July 19, 2021 /PRNewswire/ -- CFBank, the wholly-owned banking subsidiary of CF Bankshares Inc. (NASDAQ: CFBK) today announced tha... COLUMBUS, Ohio, July 19, 2021 ...Croghan Colonial Bank Port Clinton Catawba branch is located at 2820 East Harbor Road, Port Clinton, OH 43452. Get hours, reviews, customer service phone number and driving directions. Menu. Bank Branch Locator. Banks. ... Fremont 43420. Bellevue (17 miles away) 1 Union Sq, Bellevue 44811.For over 135 years, Croghan Colonial Bank has been dedicated to helping our local communities grow and thrive. We’re committed. Upcoming Events. We invite you to Shop, Live, and Play in Downtown Fremont, Ohio. From restaurants to retail, parades to parties, farmers markets to festivals, there’s something for everyone! ...323 Croghan St. Fremont, OH 43420. CLOSED NOW. From Business: Founded In 1888, Croghan Colonial Bank has been here for your family for generations. We care about the people in our community. Whatever your banking needs, we…. 7. Chase Bank. Banks Commercial & Savings Banks Loans. Croghan makes it easy to lock in a great Certificate of Deposit* (CD) rate. Decide how much you want to invest, pick a term, and we’ll take care of the rest. Our CDs are designed to help make your investment plan easy, flexible, and secure from short-term to long-term and all stops in between. It is an easy way to make a return on money you ... Location Pages Meta Description: Croghan Colonial Bank's Fremont West office is a full-service banking facility at 2001 West State StreetFremont, OH 43420. View the hours and contact information here. Fremont, Ohio, United States. 1K followers 500+ connections ... Bank Teller at Croghan Colonial Bank Bellevue, OH. Connect Henry Jehan Retired Lake Mary, FL ... Croghan Colonial Bank, the Fremont, Oh main location, is a trusted provider of financial services for individuals, businesses, and communities. We offer a wide range of banking and financial services, including personal checking accounts, personal savings accounts, personal credit & debit cards,.. If you have questions about your personal information or would like to inform us about the potential misuse of your personal information, you may do so by sending a letter to the Compliance Officer, The Croghan Colonial Bank, 323 Croghan Street, Fremont, Ohio, 43420, by sending telefacsimile to the Compliance Officer at …Fremont, OH and Maumee, OH ... SVP - Chief Investment Officer & Wealth Department Manager at Croghan Colonial Bank Toledo, Ohio Metropolitan Area. Connect Darryl Lycourt Jr ... Croghan Colonial Bank, the Fremont, Oh main location, is a trusted provider of financial services for individuals, businesses, and communities. We offer a wide range of banking and financial services, including personal checking accounts, personal savings accounts, personal credit & debit cards,.. The Croghan Colonial Bank Branch Location at 2001 West State Street, Fremont, OH 43420 - Hours of Operation, Phone Number, Routing Numbers, Address, Directions and …Fremont, Ohio, United States. ... Marketing Intern at Croghan Colonial Bank. Marketing Intern at Croghan Colonial Bank Tiffin University View profile View profile badges ...The Croghan Colonial Bank. Institution Details. Data as of 02/09/2024. FDIC Insured. Since 01/01/1934. FDIC Cert # 13341. Established. 07/25/1888. ... Fremont: Sandusky: OH: Full Service - Brick And Mortar: 07/25/1888: 229474: 1: Fremont West Banking Center Branch: 2001 W State St. Fremont, OH 43420. Fremont:Kim Deal is a Residential Mortgage Loan Originator at Croghan Colonial Bank based in Fremont, Ohio. ... [Kim Deal, NMLS #2043998] Croghan Colonial Bank , Northwest Ohio, OH Real Estate Agents - Team Kim Deal , NMLS #2043998 3425 Briarfield Blvd., Ste... May 5, 2022.Fremont, Ohio, United States. ... Marketing Intern at Croghan Colonial Bank. Marketing Intern at Croghan Colonial Bank Tiffin University View profile View profile badges ...See why Mason, Ohio is one of the best places to live in the U.S. County: WarrenNearest big city: Cincinnati Warren County is well-known as Ohio’s “largest playground,” and Mason, ...Croghan Colonial Bank Fremont North branch is one of the 19 offices of the bank and has been serving the financial needs of their customers in Fremont, Sandusky county, Ohio for over 18 years. Fremont North office is located at 910 Sean Drive, Fremont. You can also contact the bank by calling the branch phone number at …Market and execute sales of residential mortgage loan products for Croghan Colonial Bank. Responsible for lending activities including 1-4 family. ... Fremont, Ohio Residential Lending Manager ...The Croghan Colonial Bank Branch Location: Branch Name: OAK HARBOR BRANCH Address: 147 W Water St Oak Harbor, Ohio 43449 ... 323 Croghan St Fremont, Ohio 43420. Established: 07/25/1888. Became FDIC Insured: 01/01/1934. Number of Branches: 19. Online Banking Website: https://www.croghan.com.

Croghan Colonial Bank is promoting consumer education during National Consumer Protection Week, (March 3 - 9). Know your rights and avoid scams… Liked by Leslie Laconis. Watch the a team 2010

croghan colonial bank fremont ohio

The curves of the giant snake line up with the sun during equinoxes and solstices. Advertisement Imagine you're a person living in ancient times in what is now the state of Ohio. Y...Today’s top 476 Office jobs in Fremont, Ohio, United States. Leverage your professional network, and get hired. ... Croghan Colonial Bank (7) ProMedica (6) Amcor (5) Done Salary $40,000+ (39) ... Address. Investor Relations Officer. Transfer Agent. 323 Croghan Street Fremont, OH 43420. Amy LeJeune 419-355-2231 [email protected] Computershare Shareholder Services PO Box 43078 Providence, RI 02940 (800) 368-5948 www.computershare.com. Our CD interest rate tables for Fremont, OH include 3 month rates, 6 month rates, 12 month rates, 18 month rates, 24 month rates, 36 month rates, 48 month rates and 60 month rates. You can search for the best CD rates in Fremont, OH or by zip code. Once you have entered your search criteria a list of the highest Fremont, OH CD rates will be ...If you have questions about your personal information or would like to inform us about the potential misuse of your personal information, you may do so by sending a letter to the Compliance Officer, The Croghan Colonial Bank, 323 Croghan Street, Fremont, Ohio, 43420, by sending telefacsimile to the Compliance Officer at …TechCrunch Live is thrilled to shine the spotlight on Columbus, Ohio on June 1. Register NOW for the virtual event and apply for the pitch-off. TechCrunch Live is thrilled to shine...SmartAsset's experts review Ohio's The Croghan Colonial Bank. We give an overview of all of their account offerings, rates, fees as well as branch locations. See if opening up an a...1904 - Croghan Bank and Savings Co. bought the Brainard property at 323 Croghan Street, Fremont – our current Main Office location. 1955 - The consolidation of Croghan …The Croghan Colonial Bank. May 2007 - Present16 years 4 months. Maintain 12 branches, 13 ATM's, Maintain current leased property, secure leased property for bank, sell bank owned properties ...Fremont, Ohio, United States. 1 follower 1 connection See your mutual connections. View mutual connections with Jodi ... President/CEO at Croghan Colonial Bank Fremont, OH. Connect Carley B ...Details. Phone: (419) 355-2352 Address: 2001 W State St, Fremont, OH 43420 Website: website People Also Viewed. Fremont Federal Credit Union. 315 Croghan St, Fremont, OH 43420. PNC Bank. 1300 Oak Harbor Rd, Fremont, OH 43420 Fremont, Ohio, United States. 181 followers 168 connections See your mutual connections. View mutual connections with Kendall ... Commercial Lender for the greater Cleveland area for Croghan ... Calculate how much you'll pay in property taxes on your home, given your location and assessed home value. Compare your rate to the Ohio and U.S. average. Property tax rates in Ohi...1904 - Croghan Bank and Savings Co. bought the Brainard property at 323 Croghan Street, Fremont – our current Main Office location. 1955 - The consolidation of Croghan …Croghan Colonial Bank | 1,346 followers on LinkedIn. Helping good people make good decisions. | At Croghan, we understand where you’re coming from. Literally. ... Fremont, OH 1,346 followers Helping good people make good decisions. Follow View all 153 employees Report this company ...European banks "eliminating" carbon lent $38 billion to fossil fuels. In a bluegrass song by Gillian Welch, a woman, Miss Ohio, drives down the highway, the ragtop of her convertib... If you have questions about your personal information or would like to inform us about the potential misuse of your personal information, you may do so by sending a letter to the Compliance Officer, The Croghan Colonial Bank, 323 Croghan Street, Fremont, Ohio, 43420, by sending telefacsimile to the Compliance Officer at (419) 355-2100 or by ... .

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