Report Wire

Tag: ICICI Bank

  • ICICI Bank hikes FD charges as much as 30 bps, provides 7.10% on tenors of three to 10 years

    The main non-public sector lender ICICI Bank has hiked its rates of interest on mounted deposits of lower than ₹2 Cr. As per the official web site of the financial institution, the brand new charges are efficient as of November 16, 2022. Following the adjustment, the financial institution elevated rates of interest by as much as 30 bps on a wide range of tenors and is now offering rates of interest on FDs maturing in 7 days to 10 years starting from 3.00% to six.50% for most people and three.75% to six.50% for senior residents.

    ICICI Bank FD Rates

    The financial institution will proceed to present a 3.00% rate of interest on FDs maturing within the subsequent 7 to 29 days, and a 3.50% rate of interest on these maturing within the subsequent 30 to 45 days, in line with ICICI Bank. On FDs maturing in 46 days to 60 days and in 61 days to 90 days, respectively, ICICI Bank will proceed to supply rates of interest of three.75% and 4.25%. Deposits that mature in 91 days to 184 days and in 185 days to 289 days will proceed to earn curiosity at a fee of 4.50% and 5.25%, respectively. On FDs maturing in 290 days to lower than 1 12 months, the financial institution will proceed to supply an rate of interest of 5.50% and on these maturing in 1 12 months to fifteen months, ICICI Bank will proceed to supply an rate of interest of 6.10%.

    ICICI Bank has hiked rate of interest by 30 bps from 6.10% to six.40% on FDs maturing in 15 months to 18 months and the financial institution has additionally hiked rate of interest by 25 bps from 6.15% to six.40% on these maturing in 18 months to 2 years. Deposits maturing in 2 years 1 day to three years will now fetch an rate of interest of 6.50% which is 30 bps greater from 6.20% earlier and people maturing in 3 years 1 day to five years will now fetch an rate of interest of 6.60% which was earlier 6.35%, a hike of 25 bps. ICICI Bank has hiked rate of interest by 25 bps from 6.25% to six.50% on FDs that mature in 5 years 1 day to 10 years and by 25 bps from 6.35% to six.60% on these maturing in 5 Years (80C FD).

    View Full Image

    ICICI Bank FD Rates (icicibank.com)

    The validity interval for the “ICICI Bank Golden Years FD” particular mounted deposit programme is in place with impact from October 29, 2022, to April 7, 2023. Tenure choices for the ICICI Bank Golden Years FD vary from 5 years and 1 day to 10 years. ICICI Bank provides senior residents a further fee of 0.50% on fixed-deposits (FDs) maturing in 7 days to lower than 5 years, however below the ICICI Bank Golden Years FD, resident senior citizen clients will obtain a further rate of interest on an FD of 0.10% over and above the prevailing extra fee of 0.50% per 12 months. For recurring deposits (RDs) with phrases between six months and ten years, ICICI Bank will now present commonplace rates of interest between 4.50 per cent and 6.60 per cent, with senior residents incomes between 5 p.c and seven.10 p.c.

    Catch all of the Business News, Market News, Breaking News Events and Latest News Updates on Live Mint.
    Download The Mint News App to get Daily Market Updates.

    More
    Less

  • E-rupee launch a landmark second within the historical past of forex: RBI Guv Shaktikanta Das

    RBI Governor Shaktikanta Das, Digital Rupee Launch: The Reserve Bank of India (RBI) Governor Shaktikanta Das on Wednesday mentioned that e-rupee launch was a landmark second within the historical past of forex within the nation and it’ll remodel the way in which enterprise is finished and the way in which transactions are performed.

    Speaking at FICCI’s Banking Conference – FIBAC 2022, Das mentioned that the RBI needs to iron out all facets of Central Bank Digital Currency (CBDC) earlier than launch. He added that the central financial institution hopes to launch digitised Kisan Credit Card loans in a full fledged method by CY 2023.

    He famous that there isn’t any goal date for full fedged launch of the digital rupee.

    In his handle to the Indian bankers, Das mentioned that the value stability, sustained development and monetary stability needn’t be mutually unique. he additionally famous that the transparency isn’t compromised in any method by not releasing letter to be written by RBI to authorities for lacking inflation goal.

    Speaking on the convention, Das mentioned that with financial coverage actions and stances present process a regime shift within the superior nations, monetary circumstances have tightened throughout markets and accentuated monetary stability dangers. He famous that in an unsure surroundings, Indian financial system has been rising steadily drawing energy from its macroeconomic indicators and buffers. He mentioned that India in the present day presents an image of resilience and optimism for the world.

    On the inflation entrance, the RBI chief mentioned the central financial institution is intently monitoring inflation tendencies and the impression of earlier actions. He mentioned that the RBI is seeing appreciable enchancment in gross sales of white items in festive season.

    “In mine and the RBI’s view, price stability, sustained growth, and financial stability need not be mutually exclusive,” he mentioned.

    Das added that there’s numerous hypothesis concerning the MPC’s November 3 assembly. “We will prepare a report on and send it to the government,” he mentioned.

    The RBI governor mentioned that MPC’s decision is supposed for your complete financial system and markets and residents ought to know concerning the MPC’s determination. However, he added {that a} letter to the federal government is distributed beneath regulation.

    “I don’t have the privilege or authority or luxury to release it to the media before the addressee gets it… The contents of the letter will not be under the wraps forever. It will be released at some point… The first right of receiving the letter lies with the government,” he mentioned.

    Das defined that if the RBI had began strategy of tightening earlier, what would have been the counterfactual situation?

    “We did not want to upset process of recovery. We wanted economy to safely reach the shores and then bring down inflation,” he mentioned. “There has been a slippage in maintaining inflation target. But if we would have tightened earlier, the country would have paid a high cost for it.”

    -with PTI inputs

  • Top 10 banks that hiked FD curiosity charges in Oct

    1 min learn . Updated: 30 Oct 2022, 09:00 PM IST Livemint
    Premium
    Banks_hike_FD_interest_rates

    Banks have raised the rates of interest on their deposit merchandise because of the repo fee hike and virtually all the key banks have hiked rates of interest on fastened deposits in keeping with the affect of the repo fee

  • ICICI Bank hikes FD charges by as much as 50 bps, particular deposit scheme prolonged

    One of the main personal sector banks in India, ICICI Bank has hiked its rates of interest on fastened deposits of lower than ₹2 Cr. As per the financial institution’s official web site, the brand new charges are efficient as of October 29, 2022. Following the revision, the financial institution has hiked rates of interest by as much as 50 bps on deposits maturing in 46 days to 10 years. On deposits maturing in 7 days to 10 years, the financial institution is now providing an rate of interest starting from 3.00% to six.25% for most of the people and three.50% to six.95% for senior residents. Deposits maturing in 3 years 1 day to five years will fetch a most rate of interest of 6.35% to most of the people and 6.95% for senior residents on deposits maturing in 5 years 1 day to 10 years.

    ICICI Bank FD Rates

    On fastened deposits maturing in 7 days to 29 days the financial institution will proceed to supply an rate of interest of three.00% and on fastened deposits maturing in 30 days to 45 days, ICICI Bank will proceed to supply an rate of interest of three.50%. ICICI Bank has hiked rate of interest by 25 bps from 3.50% to three.75% on deposits maturing in 46 days to 60 days and the financial institution has hiked rate of interest by 25 bps from 3.75% to 4.00% on these maturing in 61 days to 90 days.

    Deposits maturing in 91 days to 184 days will now pay an rate of interest of 4.50% which was earlier 4.25% representing a hike of 25 bps and people maturing in 185 days to 289 days will now fetch an rate of interest of 5.25% which was earlier 5%, representing a hike of 25 bps. ICICI Bank has hiked rate of interest by 50 bps from 5% to five.50% on deposits maturing in 290 days to lower than 1 yr and the financial institution has hiked rate of interest by 30 bps from 5.80% to six.10% on these maturing in 1 yr to 18 months. On time period deposits maturing in 18 months to 2 years, the financial institution has hiked rate of interest by 35 bps from 5.80% to six.15% on deposits maturing in 18 months to 2 years.

    Deposits maturing in 2 years 1 day to three years will now fetch an rate of interest of 6.20% which was earlier 6%, representing a hike of 20 bps and people maturing in 3 years 1 day to five years will now fetch an rate of interest of 6.35% which was earlier 6.20%, displaying a hike of 15 bps. ICICI Bank has hiked rate of interest by 15 bps from 6.10% to six.25% on deposits maturing in 5 years 1 day to 10 years and the financial institution has hiked rate of interest by 15 bps from 6.20% to six.35% on tax financial savings deposits maturing in 5 years.

    View Full Image

    ICICI Bank FD Rates (icicibank.com)

    With impact from twenty ninth October 2022, ICICI Bank has additionally prolonged the validity interval from thirty first October 2022 to seventh April 2023 of its particular fastened deposit scheme “ICICI Bank Golden Years FD”. On ICICI Bank Golden Years FD, resident senior residents will get an extra rate of interest on an FD of 0.20% over and above the present extra fee of 0.50% each year. The scheme comes with a hard and fast tenor of 5 years 1 day, as much as 10 years and on this tenure ICICI Bank presents a regular rate of interest of 6.25% however senior residents will get an rate of interest of 6.95% which is 70 bps greater than the usual fee. The extra fee shall be provided on newly established deposits in addition to deposits renewed in the course of the scheme period, and the rate of interest is relevant on a single fastened deposit (FD) opened with ICICI Bank for an quantity lower than ₹2 crore.

    Catch all of the Business News, Market News, Breaking News Events and Latest News Updates on Live Mint.
    Download The Mint News App to get Daily Market Updates.

    More
    Less

  • ICICI Bank revises FD charges: Now stand up to six.50% on a tenor of 1 to three years

    The main non-public sector lender ICICI Bank has revised its rates of interest on fastened deposits of ₹2 Cr to ₹5 Cr. According to the financial institution’s official web site, the brand new charges are in impact as of at this time, October 28, 2022. Following the modification, the financial institution is now offering fastened deposits with maturities starting from 7 days to 10 years with rates of interest starting from 3.75% to six.25%. The highest rate of interest that ICICI Bank will at the moment pay on deposits with a maturity of 1 to a few years is 6.50%.

    ICICI Bank FD Rates

    The financial institution will give a 3.75% rate of interest on fastened deposits maturing within the subsequent 7 to 29 days, and a 4.75% rate of interest on deposits maturing within the subsequent 30 to 45 days, in accordance with ICICI Bank. On deposits that mature in 46 days to 60 days and in 61 days to 90 days, respectively, ICICI Bank can pay rates of interest of 5.00% and 5.25%.

    Deposits with maturities between 91 and 184 days will now earn curiosity at a charge of 5.50%, whereas deposits with maturities between 185 and 270 days will now earn curiosity at a charge of 5.75%. On fastened deposits maturing in 271 days to lower than 1 12 months, the financial institution will now pay an rate of interest of 6.00% and on these maturing in 1 12 months to three years, the financial institution is now promising an rate of interest of 6.50%. Fixed deposits maturing in 3 years 1 day to 10 years will now pay an rate of interest of 6.25%.

    View Full Image

    ICICI Bank FD Rates (icicibank.com)

    On fastened deposits of lower than ₹2 Cr, ICICI Bank final hiked rates of interest on October 18, 2022. On deposits maturing in 7 days to 10 years, the financial institution is now promising an rate of interest starting from 3.00% to six.10% to most people and three.50% to six.75% for senior residents. Senior residents must be conscious that the financial institution’s particular fastened deposit programme, the ICICI Bank Golden Years FD, will expire quickly.

    From October 31, 2022, ICICI Bank will not present older of us with its Golden Years FD. On ICICI Bank Golden Years FD, resident senior citizen clients will get a further rate of interest on an FD of 0.15% over and above the present further charge of 0.50% each year. The ICICI Bank Golden Years FD has a tenor of 5 years and a day and as much as 10 years. On this tenor, most people will get curiosity at a charge of 6.10%, whereas aged people will obtain curiosity at a charge of 6.75%, which is 65 foundation factors larger than the usual charge.

    Catch all of the Business News, Market News, Breaking News Events and Latest News Updates on Live Mint.
    Download The Mint News App to get Daily Market Updates.

    More
    Less

  • SBI vs HDFC Bank vs ICICI Bank vs Axis Bank: Latest FD rates of interest in contrast

    Banks have been constantly growing rates of interest on mounted deposits (FDs) since May 2022. The State Bank of India (SBI), HDFC Bank, ICICI Bank and Axis Bank have raised their FD rates of interest after the most recent RBI repo price hike. On September 30, the central financial institution introduced a hike within the repo price by 50 foundation factors (bps).  As a consequence, banks elevated their deposits rates of interest additional.

    Let’s check out the most recent FD rates of interest supplied by SBI, HDFC Bank, ICICI Bank and Axis Bank.

    SBI newest FD charges

    SBI has hiked mounted deposit rates of interest by as much as 20 bps. SBI is now providing an rate of interest starting from 3.00% to five.85% for most of the people and three.50% and 6.65% for senior residents on deposits maturing in 7 days to 10 years. The new charges are efficient from 15 October.

    HDFC Bank newest FD charges

    HDFC Bank has hiked rates of interest on mounted deposits for retail buyers by as much as 75 foundation factors. On deposits maturing in 7 days to 10 years, buyers will now get rates of interest starting from 3.00% to six.00% for most of the people and three.50% to six.75% for senior residents. As per the financial institution’s official web site, the brand new charges are efficient from 11 October.

    ICICI Bank newest FD charges

    ICICI Bank has hiked rates of interest on mounted deposits. On deposits maturing in 7 days to 10 years, buyers will now get rates of interest starting from 3% to six.20% for most of the people and three.50% to six.75% for senior residents. As per the financial institution’s official web site, the brand new charges are efficient from 18 October.

    Axis Bank newest FD charges

    Axis Bank is now providing rates of interest on mounted deposits maturing in 7 days to 10 years that vary from 3.50% to six.10% for most of the people and three.50% to six.85% for senior residents. The new charges are efficient from 14 October.

     

     

    Catch all of the Business News, Market News, Breaking News Events and Latest News Updates on Live Mint.
    Download The Mint News App to get Daily Market Updates.

    More
    Less

  • ICICI Bank revises rates of interest on these fastened deposits: Now stand up to six.50%

    The rates of interest on fastened deposits value greater than Rs. 2 Cr. however lower than Rs. 5 Cr. have been revised by the personal sector lender ICICI Bank. According to the financial institution’s official web site, the brand new charges are efficient as of fifteenth October 2022. Following the modification, ICICI Bank is now providing an rate of interest on deposits maturing in 7 days to 10 years that vary from 3.75% to six.25%. The most rate of interest on deposits maturing in 1 12 months to 389 days to 2 years and 1 day to three years will now be 6.50%.

    ICICI Bank FD Rates

    The financial institution will now give an rate of interest of three.75% for deposits maturing within the subsequent 7 to 29 days, and an rate of interest of 4.75% for deposits maturing within the subsequent 30 to 45 days, in response to ICICI Bank. Deposits maturing between 46 and 60 days any longer will earn curiosity at a charge of 5.00%, whereas deposits maturing between 61 and 90 days any longer will earn curiosity at a charge of 5.25%. On deposits maturing in 91 days to 184 days, ICICI Bank will now pay an rate of interest of 5.50%, and on deposits maturing in 185 days to 270 days, the financial institution will now pay an rate of interest of 5.75%.

    The financial institution will now give an rate of interest of 6% on deposits maturing in 271 days or lower than a 12 months, and 6.50% on deposits maturing in a 12 months and as much as 389 days, in response to ICICI Bank. The rate of interest on deposits maturing within the subsequent 390 days to 2 years can be 6.45%, and the rate of interest on deposits maturing within the subsequent 2 years, 1 day to three years, can be 6.50%. On deposits maturing within the subsequent three years, in the future, to 10 years, ICICI Bank will now pay curiosity at a charge of 6.25%.

    View Full Image

    ICICI Bank FD Rates (icicibank.com)

    The expiration date of ICICI Bank’s particular FD programme Golden Years FD was additionally prolonged on September 30, 2022, to October 31, 2022. Previously, this system’s validity date was October seventh, 2022. The financial institution launched the ICICI Bank Golden Years FD for aged of us with increased rate of interest incentives on May 20, 2020. Residents who’re senior residents are eligible for a further 0.10% in curiosity on an FD underneath the ICICI Bank Golden Years programme, which is along with the prevailing further charge of 0.50% per 12 months. This distinctive profit is barely out there for FDs with phrases of 5 years and 1 day to 10 years. ICICI Bank now provides an rate of interest of 6.00% on deposits maturing in 5 years, 1 day to 10 years, nevertheless, aged residents will obtain an rate of interest of 6.60%, which is 60 foundation factors increased than the usual charge. The particular rate of interest benefit is relevant to a single FD established with ICICI Bank for an quantity lower than ₹2 crore. The further charge can be out there on new deposits opened in addition to deposits renewed all through the scheme’s period.

    Catch all of the Business News, Market News, Breaking News Events and Latest News Updates on Live Mint.
    Download The Mint News App to get Daily Market Updates.

    More
    Less

  • Banks launch affords to draw prospects, increase credit score development amid fee cycle uptrend

    With the onset of the festive season, a number of public sector and personal sector lenders have rolled out new affords and reductions to draw prospects at a time when rates of interest are rising within the monetary system. These affords are aimed toward serving to banks to spice up their credit score development. Bank credit score grew at 16.4 per cent to Rs 126.3 lakh crore within the fortnight ended September 23, 2022.

    Banks similar to State Bank of India, HDFC Bank, ICICI Bank, Punjab National Banks are providing discounted rates of interest and have waived off processing charges on residence and automobile loans. Some lenders are additionally providing reductions and money backs on buying utilizing web banking, cellular banking, credit score and debit playing cards.

    This comes at a time when the equated month-to-month installments (EMIs) have been on an upward climb with the Reserve Bank of India (RBI) resorting to a sequence of fee hikes to rein in inflation. The repo fee, the speed at which the RBI lends cash to banks to satisfy their quick time period funding wants, has been hiked by 190 foundation factors since May this 12 months.

    The nation’s largest lender State Bank of India is providing concessions of as much as 0.25 per cent on residence loans, 0.15 per cent on prime up loans, and 0.30 per cent on loans in opposition to property. The financial institution mentioned the rate of interest for patrons of latest residence loans in addition to takeovers will now begin at 8.4 per cent and top-up loans for furnishings, renovation or residence makeover will start from 8.8 per cent. Besides, the lender has waived off processing charges on residence loans as much as January 31, 2023

    “As we enter the festive season after a long period of muted celebrations due to Covid restrictions, our offers this festive season are aimed to provide much-needed support for prospective home buyers as they embark on their journey for home ownership,” mentioned Alok Kumar Choudhary, managing director (retail banking and operations), SBI.

    SBI mentioned its asset below administration (AUM) within the residence mortgage phase has surpassed Rs 6 lakh crore.

    Mortgage lender HDFC Ltd is giving a festive provide on residence loans at 8.4 per cent. Its residence mortgage charges, earlier than this provide, have been between 8.6 per cent and 9 per cent, relying on the mortgage quantity and credit score rating of the borrower. Under the particular festive provide, the house financier is providing only one fee of 8.4 per cent to debtors with a credit score rating of 750 and above, regardless of the mortgage quantity.

    Last month, personal sector lender HDFC Bank introduced festive affords throughout accounts, loans, playing cards and equated month-to-month installments. The affords will likely be obtainable throughout on-line, offline, nationwide, regional and hyperlocal retailers protecting a variety of classes together with electronics, jewelry, journey, residence decor, apparels, grocery, private and enterprise loans and business autos.

    The financial institution is providing private loans as much as Rs 40 lakh in 10 seconds at an rate of interest ranging from 10.50 per cent. Customers also can avail collateral free enterprise mortgage with 50 per cent off on processing charge. It has waived off processing charge on gold loans by 50 per cent.

    ICICI Bank has additionally launched a festive bonanza whereby it’s providing a variety of affords for its prospects. The prospects can get reductions and cashbacks upto Rs 25,000 through the use of the financial institution’s credit score/ debit playing cards, web banking, shopper finance and cardless EMI.  Earlier this month, Punjab National Bank, in a tweet, mentioned it has absolutely waived off processing and documentation charges on automobile and residential loans.

    As a part of its festive provide, state-run Union Bank of India is offering residence loans beginning at 8.25 per cent and automobile loans at 8.4 per cent. It has additionally waived off processing charges on automobile and residential loans. The provide will likely be obtainable to prospects until November 11, 2022, as per the knowledge talked about on the financial institution’s web site. The lender can also be providing reductions to prospects for transactions executed on Bookmyshow, MakeMyTrip, Zomato, Swiggy and Goibibo.

  • ICICI Bank launches Smart Wire, a web-based resolution for inward remittances

    ICICI Bank has introduced the launch of a web-based resolution to assist its clients perform SWIFT based mostly inward remittances in a quicker and hassle-free method.

    The Smart Wire facility permits each NRIs and resident clients to undertake inward remittance transactions in a web-based and paperless method. ICICI Bank is the primary financial institution within the nation to introduce this quicker on-line resolution to obtain inward wire remittances.

    The industry-first facility allows the beneficiary to provoke the wire switch request, submit on-line declaration / paperwork, block the change charges upfront and monitor the standing of the transaction. Through this facility, correct data associated to the beneficiary, goal of the inward remittance and declaration, the place required, are captured upfront and shared with the remitter immediately. This facilitates seamless processing of the remittance and saves time of the beneficiary who can use this facility for varied functions of remittances together with household upkeep and financial savings, private present / monetary assist, NRE/ NRO repatriation, wage, enterprise and administration consultancy.

    Sriram H. Iyer, Head – International Banking Group, ICICI Bank stated, “We, at ICICI Bank, are dedicated to supply enhanced comfort to our clients by means of modern services on the quickest potential velocity, with the best degree of safety. With the launch of ‘Smart Wire’ facility, which is an industry-first initiative, we’re providing our NRI and resident clients a novel mixture of velocity and an enriched expertise of executing a cross-border transaction. We imagine this new facility will assist our clients to conveniently perform fast and hassle-free cash transfers.”

    The key options of the ‘Smart Wire’ facility are:

    · Online submission of particulars: The beneficiary can generate pre-filled wire switch request kind on-line

    · Digital declarations: For seamless processing of the transaction, the ability allows beneficiary to submit required particulars/declarations on-line whereas initiating wire transaction

    · Block change charges: The beneficiary can block change fee for the anticipated inward wire switch. The deal reserving facility is on the market for USD, EUR, GBP, AED, CAD, SGD and AUD

    · Online monitoring: The beneficiary also can monitor the transactions on-line by logging in web banking portal anytime and anyplace

    · Email request to remitter: Once the beneficiary initiates the remittance request, the remitter will get full particulars of the wire switch instantly by way of system generated e-mail

    Customers can avail the ‘Smart Wire’ facility by logging into web banking platform.

    Catch all of the Business News, Market News, Breaking News Events and Latest News Updates on Live Mint.
    Download The Mint News App to get Daily Market Updates.

    More
    Less

    Subscribe to Mint Newsletters

    * Enter a sound e-mail

    * Thank you for subscribing to our publication.

  • ICICI Bank particular fastened deposit scheme for senior residents will shut right this moment

    The ICICI Bank particular fastened deposit scheme for senior residents will shut for funding right this moment, October 7, 2022. Senior residents who need to benefit from the extra 10 foundation factors (bps) rate of interest over and above the present charges provided to them can achieve this by opening an FD below the scheme right this moment. ICICI Bank’s particular FD scheme, often known as Golden years FD, is supposed for resident senior citizen prospects.

    “Resident Senior Citizen prospects will get an extra rate of interest on an FD of 0.10% for a restricted time over and above the present extra price of 0.50% each year The extra price might be accessible on recent deposits opened in addition to deposits renewed through the scheme interval. Scheme Period : Valid as much as Oct 07th, 2022,” ICICI Bank said on its web site.

    With impact from September 30, ICICI Bank provides a 6% price to most people on FDs beneath ₹2 crore maturing from 5 years 1 day to 10 years. To senior residents, the financial institution provides 6.60% on the identical tenure.

    Earlier, the State Bank of India (SBI), non-public sector lender HDFC Bank prolonged its particular FD scheme for senior residents until March 31, 2023. 

    Senior Citizen Care FD has been accessible for senior residents since May 18, 2020, with the next rate of interest profit. Due to the COVID-19 pandemic and the low-interest price regime, the scheme has been repeatedly prolonged.

    Meanwhile, ICICI Bank provides rates of interest ranging between 3% to six.10% to most people on tenures from 7 days to five years. The price is between 3.50% to six.6% on these tenures for senior residents.

    Catch all of the Business News, Market News, Breaking News Events and Latest News Updates on Live Mint.
    Download The Mint News App to get Daily Market Updates.

    More
    Less

    Subscribe to Mint Newsletters

    * Enter a sound e-mail

    * Thank you for subscribing to our publication.

    Topics