Website: Website http://ke.equitybankgroup.com/

Senior Officer – Finserve Contact Centre

Role summary
A Senior Officer will act as a liaison between the clients and Finserve. As a Contact Center officer, you will provide service information, answer questions, and resolve any emerging problems that our customers might face with accuracy and efficiency. Additionally, Senior officers are responsible for making outbound sales calls and information gathering surveys.
Specific responsibilities:

Handle inbound customer complaints and ensure that queries and issues are answered and resolved promptly through all dedicated channels (Talk, Email, API, Web Forms, Messaging, & social media)
Track and maintain customer interactions, comments, and complaints.
Highlight customer issues that require escalation.
Demonstrate a passion for service and always deliver remarkable omni-channel support.
Embody positivity and a solution-oriented approach towards customers.
Achieve customer experience KPIs – SLAs, CSAT, FCR, TAT etc.
Strong communication and writing/typing skills.
Respond to incoming calls from customers and answer customers’ questions and inquiries.
Troubleshoot and provide alternative solutions to clients.
Purpose to offer first call resolution to customers via all channels.
Make outbound calls to clients to promote various services/products.
Cross-sell and upsell the mobile money products/services to existing and potential clients.
Maintain strict confidentiality of client information and records without exception.
Attends all staff meetings and training as directed by supervisor.
Follow up with callers to ensure that they are satisfied with the resolutions to their issues.
Oversee and manage a team of officers under them in the department.
Other duties as may be assigned.

Qualifications
Desired Knowledge, Skills and Attributes:

Be enthusiastic, friendly, honest, passionate, calm, approachable and humble always.
Being an optimistic team player who displays a sense of belonging and ownership.
Excellent interpersonal communication (both oral and written) skills and good knowledge of our national languages.
Empathy and good judgment: in a position to shape conversations through engagement and respond with understanding and positivity.
Dynamic: willing to respond and handle issues as they arise and should be able to deal with problems appropriately.
Strong negotiation, excellent conflict management, and problem-solving skills: able to convey sensitive issues and respond to customers concerns in a way that resolves the issue at hand to the customers’ satisfaction.
Proficiency in MS Office
Ability to multi-task, prioritize, and manage time effectively.
Understanding of data privacy and confidentiality
Reporting and analytical skills

Team work:

Participate in training.
Develop and maintain strong relationship with staff within the department and other Support teams
Support and ensure delivery of best-in-class customer esperience to new and existing Finserve’s customers

Qualifications and Experience

Bachelor’s Degree in Social sciences/ Business/ Arts/Communication or any other related field from a recognized university or College.
Previous experience in a Contact Centre environment.
Flexible to work day and night shift hours (24/7).
Knowledge of sales and telemarketing is an added advantage.
Prior experience in Customer Service is an added advantage
Is tech savvy and up to date on social and digital trends.
Instinctive recognition of up & cross sell opportunities

Apply via :

equitybank.taleo.net

October 29, 2024
Food & Agriculture Livestock Expert Food & Agriculture Relationship Manager Food and Agriculture Agronomist

Qualifications
Key duties & responsibilities for the new staff.

Conducting visits to assess and report on Livestock performance for clients and regions financed by the bank for production.
Advise the bank on potential areas and timings for Financing Livestock farmers and traders based on forecasted weather and rainfall patterns.
Advise the bank on Emerging trends and opportunities in livestock production systems.
Monitor Livestock performance and trigger compensation by underwriters.
Liaison with key stakeholders in the industry.
Any other assignment as directed by the team leader.

Desired academic & professional qualifications.

Bachelor’s Degree with a major In livestock production ,nutrition or breeding.
Minimum of 2 years practice as a Vet and registered by Kenya Veterinary Board.
Strong proficiency in MS Office and general computer use,

Skills/ experience required.

Self-motivated
Strong interpersonal skills
Desire to succeed
Demonstrated ability to analyse and solve problems
Demonstrated ability to work with minimum supervision.
Commitment to working with Agriculture based segment of the population.
Ability to conduct thorough analysis of livestock status/performance, offer relevant advisory service and develop a farm status / performance report.

go to method of application »

Use the link(s) below to apply on company website.

Apply via :

October 29, 2024
Regional Customer Service Manager

Job Purpose
The Regional Customer Service Manager will support the business to achieve its customer service goals and objectives by working closely with branches assigned to him/her. The Manager will also monitor and evaluate service and is responsible for ensuring that regular soft skills trainings are carried out across the branch network. Works closely with the branch leadership to identify gaps in service standards and have the gaps closed. Work together with the branch leadership, support in areas of service such as Customer Satisfaction ratings, complaint resolution, compliance and brand image.
Job Responsibilities/ Accountabilities:

Review Service Levels at various workstations in the branch and advise on improvements.
Work with branches in the region to address and resolve complaints raised through various channels.
Work with the branch team to resolve complaints raised by customers through various channels.
Work with the branches to identify root cause of service issues.
Resolving root cause issues affecting service.
Identify service challenges/issues for escalation to relevant parties and follow up to closure.
Prepare branch thematic training content as directed from time to time.
Prepare training of trainer material for training topics assigned.
Carry out regular training in the branch; thematic skills training and any other relevant training should the need arise.
Follow up with the branches to ensure regular training on products and institutional knowledge is carried out..
Periodic region-wise training of Customer Service champions to deliver and maintain service at the expected levels.
Work with the branch team to maintain the brand and image of the Bank in the branches.
Train branch staff on professionalism especially customer handling as well as maintain the bank’s corporate image. This will involve observation, and engagement.
Analyze Customer Service reports to identify gaps in service, develop and work with branch management to implement solutions to cover the gaps.
Carry out CSAT exercises to measure level of service in the branches.
Attend BCC meetings in branches visited to give and receive feedback and get a feel of the credit process at branch.
Engage customers within the branch during branch visit and also call on customers at their premises to get a feel of service.
Review customer satisfaction rating (minimum 95%) and work with the branch to improve the customer satisfaction levels.
Review branch Customer Service reports and work with the branches on issues of concern. From the review, engage staff and branch management on issues outstanding/unresolved in a bid to close them.
Review TAT and customer experience at all service points in a branch.
Spearhead peer review in the respective region. Support branches to ensure that they comply with set Bank standards in Customer Service.
Follow up with the branches on E-Learning uptake.
Work with the branch teams to ensure closure of issues raised during Compliance appraisal and audit.
Mentor, coach and develop customer service officers/supervisors/managers and nurture an environment where they can excel.

Essential Knowledge

Excellent understanding of the bank’s products, policies and procedures.
Excellent knowledge of CBK prudential guideline covering consumer protection
Expert knowledge; exhibits an exceptional degree of professionalism, integrity, creativity, teamwork and good relations with both external and internal customers. Exhibits resourcefulness.

Key Critical Competencies

Excellent customer awareness & focus
Excellent training skills (with TOT skills)
Strong analytical skills and problem-solving skills.
Excellent planning skills
High personal standards, goal oriented and with personal initiative
Excellent interpersonal skills
Strong communication and presentation skills
Strong coaching skills

Qualifications

University degree or equivalent with minimum 5 years’ experience in the bank, 3 of which must have been as a Customer Service Supervisor at branch.
Working knowledge of Microsoft Excel, Word and Power Point.
Appreciation of adult learning principles and learning styles

Apply via :

equitybank.taleo.net

October 29, 2024
Relationship Manager, Client Coverage-Diaspora

Job Objective
Equity Investment Bank is a leading provider of brokerage, asset and wealth management products and services. It offers a range of retail & institutional investment banking products and services through the branches spread across Kenya and in the Diaspora. We are currently looking to fill the role of Relationship Manager, Client Coverage Diaspora.
The Relationship Manager, Client Coverage/Sales will define and execute strategic client plans that will ensure the development of strong business relationships and the delivery of profitable and integrated Bank products and services, with the purpose of ensuring client profitability, increased revenue, risk optimization and enhanced customer experience.
Key Roles and Responsibilities

Execution of strategic client and desk plans.
Continuously research and analyze the clients’ business context, operations, and financial performance.
Regularly communicate investment opportunities to existing client base.
Develop critical relationships with clients, regularly define and communicate commercial opportunities for existing clients.
Oversee the execution of client investment activities in line with developed strategic client plans.
Coordinate relevant programs for each client/channel aimed at driving growth and customer satisfaction.
Develop in-depth knowledge of the client’s investment strategy and business.
Support the Sector Head in the overall management and coordination of the client relationship and client/sector strategy.
Drive and own annual budgets, monitor actual performance against budget, drive product cross-sell and client profitability.

Qualifications
Competencies

Focused attention and efforts on understanding the Diaspora customers, the various segments and proactively addressing different customer/client needs.
Self-confident and actively curious, seeking a deeper, broader, and more objective understanding, upon which to base commercial acumen, strategic decisions, and actions.
Initiative-taking in identifying business opportunities or barriers to business performance and addressing them.
Understanding the line-of-sight between strategy and organizational implementation.
Ability to forge relationships with assigned clients by delivering solutions suited to their strategy.
Financial acumen.

Qualifications

First degree in Business related degree eg in Finance, Economics, Accounting, or other relevant degree.
Minimum of 3 years’ experience in the client service environment.

Apply via :

equitybank.taleo.net

October 29, 2024
Relationship Officer-Personal Banking

Job Purpose:
Reporting to the Branch Credit Manager, Relationship Officer shall be based at the Branch. He/she will be responsible for overseeing the growth of a High-Quality Asset Portfolio within the Sector. He is responsible of customer acquisition, facilitation of loan application and appraisal, presentation of the loan requests to the Branch Credit Committee and forwarding the loan request to Head office Credit Risk for approval.

The holder of the role will on a weekly basis hold discussions with the Branch Credit Manager/Branch Manager and share progress report on their performance.
Overall review of the targets vis-a-vis the actuals on a monthly on Growth and Quality.

Key Duties and Responsibilities:

Mobilizing deposits and growth of the loan book to grow the Bank’s portfolio.
Manage the portfolio quality of the various customers under their portfolio.
Growing customer numbers/base
Ensure the Sector’s policies and procedures are adhered to.
Identifying customer potential and credit worthiness and preparing credit proposals in compliance with the Bank’s credit and lending policy
Growth of the loan book by marketing to new and existing customers.
Relationship management of both customers and institutions.
Customer and Institutional appraisal.
Quality Customer Service.
Financial Literacy.
Supporting the various branch operations

Qualifications
Desired Knowledge, Skills, and Ability:

Strong communication, presentation, and negotiation skills
Good analytical skills and ability to think outside the box
Team player with excellent interpersonal skills
Excellent planning skills
High personal standards and goal oriented

Requirements:

University degree preferably in a business field
KCSE- C+ and above, C+ in English and C+ Mathematics
Age – 24- 32 years old
Computer literacy especially in office packages

Apply via :

equitybank.taleo.net

October 29, 2024
Digital Operations Analyst

Job Purpose:
Reporting to Group Head of Digital Operations, the Performance Analyst has the responsibility of providing focus in business direction through planning and driving financial performance, business management, performance management and elaborate MI processes of the Operations business.
The role holder is also the principle point of contact with other business functions on performance related matters and projects.
The role requires the role holder to have regular contact with the Digital Operations teams on performance drivers. Tracking to proactively monitoring, analyzing and review progress against targets and making recommendations to the Group Head of Digital Operations and the wider team members. The role holder is therefore expected to have a broad knowledge of the Bank Products and financial planning, and a believer in budget and performance discipline.
Main Purpose of the Role:

Provide comprehensive analytics and information service for Operations Management at Head Office. Buildup, maintain, and improve efficient service level related operations and processing to quality objectives.
Selection of goals Consolidation of measurement information relevant to the organization’s progress against these goals, and Interventions made by managers in light of this information with a view to improving future performance against these goals (scorecards).
Study of market dynamics and their impact on the Digitization, giving appropriate recommendations.
Research and develop new performance monitoring and analytical techniques.

Time Split on Key Focus Areas.
Driving Business Direction

Performance analyst
Prepare and analyze data to support the Digital operations teams
Prepare reports and tables to support decisions
Coordinates and compiles the Digital Operations financial plans/budgets (KPI/commitments) including analytical support of the budget drivers and processes of the plans for the specific Operations businesses in liaison with the Head of Department
Challenges Digital Operations functional budgets thereby ensuring that they are realistic and stretching and makes recommendations on Digital Operations functional targets to the Group Head of Digital Operations.
Manages the budgets and financial performance including Income, Cost and Balance Sheet streams highlighting material variances and reporting regularly to the Group Head of Digital Operations with recommendations for timely strategic actions.

Performance Management

Assists the Group Head of Digital Operations in aligning individual and team targets ensuring that the agreed individual and team targets adequately contributes to the achievement of overall business financial goals and objectives
Generating monthly scorecards for the Digital Operations business unit
Gather data and Evaluate/ Review to provide information to support action
Manages the performance monitoring and tracking process of individual, and cluster teams’ progress against set targets, reporting to Group Head of Digital Operations and all other stakeholders through periodic dashboards
Coordinates the compilation of monthly detailed Digital Operations performance pack and monthly performance dashboard providing explanations to team members on the basis of compilation for transparency and objectivity in performance measurement, necessary for team buy-in and motivation
Constructively challenges monthly results and forecasts for business areas and Finance Reporting. Assisting in identifying value adding initiatives to improve on performance
Works closely with the Group Head of Digital Operations, unit teams to drive and deliver performance across business
Guiding and influencing the wider team members involved in MI processes and compilation on effective and efficient methodologies of data collation and processing and analysis
Promote team work in delivering performance by designing performance measurement processes that recognizes performance both at individual and team levels

Technical Skills/Competencies

Analytical thinking and judgment.
Accuracy and attention to detail
IT Confidence, especially using Macros and Spreadsheets. High competency in Excel spreadsheets
High competency with the MS Office Suit – Word, Excel (advanced), PowerPoint
Change, financial and business management.
Information gathering.
A thorough understanding of the concept of the Balanced Scorecard.
Strength in advanced mail-merging techniques – due to the power of personalized communication (enhanced focus).
Managing relationships
Business aware & proactive
Strong business communication and Presentation skills
Effective planner and ability to prioritize workloads
Report Writing
Self-motivated

Knowledge and Expertise
The jobholder will require a wide range of knowledge to effectively perform the role including:

Strong analytical and diagnostic skills.
Good presentation and communication skills.
Strong business planning and financial management skills.
Ability to work to tight deadlines without compromising accuracy.
Appreciation of corporate business risk profile.
Strong team player with good interpersonal skills.
Good understanding of performance dynamics management processes and techniques.
Understanding of the domestic economic and industry trends

Qualifications

Experience in and/or understanding of Financial Services environment (e.g. Equity Bank Financial Reporting framework and/or experience of managing P&L and Balance Sheet performance.
Experience in and/or understanding of Banking Operations with good understanding of the bank products, pricing structures and relationship management.
Experience in financial and business analysis and management and general awareness of the Kenyan economic landscape and how this affects Bank business.
Graduate with university degree in Mathematics, Actuarial Science, Economics, Business (preferably finance or accounting), Engineering, Computer Science – minimum second class honors, upper division (candidates with first class honors degree is will have an added advantage).
Other relevant professional qualification is a plus.

Apply via :

equitybank.taleo.net

October 29, 2024
Corporate Business Analyst eCommerce Sales/Account Management Supervisor

Job Purpose

Overall responsibility for research and data analysis, presenting a range of data-driven solutions and presenting a range of data-driven solutions.
Primarily responsible for managing departmental data, performance analysis, preparing departmental presentations and lead role in budgeting and cost control.
Work with the relevant stakeholders on specific department assignments.
Generate economic/industry bulletin on emerging opportunities and risks/ current issues.

Job Objectives
Performance Analysis

Prepare departmental performance reports
Analyse departmental performance on a regular basis and provide insights
Actively participate in setting annual departmental performance targets and developing individual scorecard templates
Suggest improvement to performance management systems and follow through for implementation.
Take a lead role in cost management

Research

On a bi-weekly basis prepare and disseminate economic/industry analysis bulletin
Provide an analysis emerging local and global trends, quantify expected impact on the Corporate Banking portfolio and propose mitigation measures
In liaison with other Bank departments, design and initiate surveys on Corporate Banking offering; analyse the survey results and suggest improvements

Others

Maintenance of Corporate Banking data
Prepare periodic departmental presentations
Take a lead role in preparing departmental budget
Evaluate various processes and suggest improvements.
Perform liaison role between Corporate Banking and other departments

Additional Responsibilities

Perform any other tasks as may be directed by the direct report.

Qualifications

Critical thinker – challenges the status quo
Analytical
Solution-oriented
Strong communication and interpersonal skills
Excellent Microsoft PowerPoint presentation skills
Excellent financial modelling skills
Excellent Microsoft Excel skills
Bachelor’s degree in Finance or Economics or a related field
Professional qualification in accounting such as CPA or its equivalent
Professional qualification in finance and investments such as CFA, CIFA or its equivalent

go to method of application »

Use the link(s) below to apply on company website.

Apply via :

October 29, 2024
Personal Assistant

Equity Bank is one of the region’s leading banks whose purpose is to transform the lives and livelihoods of the people of Africa socially and economically by availing them modern and inclusive financial services that maximize their opportunities. With a strong footprint in Kenya, Uganda, Tanzania, Rwanda, South Sudan and DRC Congo, Equity Bank is now home to over 12 million customers – the largest customer base in Africa. Currently the Bank is seeking additional talent to serve in the role outlined below.
Reporting to the respective Departmental Head, the Personal Assistant will assist to provide efficient, responsive and excellent administrative organizational and logistical service to the Department in order to provide a conducive environment to enable the department to meet its goals.
Key Accountabilities

Have daily Diary meetings with line manager to discuss upcoming engagements and invitations, booking of meetings appropriately as per LINE MANAGER’S availability and schedule Meetings between the LINE MANAGER and the direct reports.
Timely and appropriate booking of travel and accommodation for LINE MANAGER’s trips as well as coordinating and handle professional travel logistics for the team.
Liaise with relevant individuals, external organizations: to arrange meetings, prepare agendas and draft minutes of all meetings.
Plan, organize and manage own workload and that of the Department to ensure that all the reports are processed and submitted in a timely and accurate manner.
Ensure that all calls to the LINE MANAGER are effectively and efficiently handled.
Preparing e-mails, letters, memos for the LINE MANAGER’s validation, sorting and reviewing incoming mail for the department and distributing to the team.
Maintain a comprehensive filing system -Ensure that all documents in the LINE MANAGER’s office are well filed and confidentially maintained.
Ensure that all the visitors to the LINE MANAGER’s office are well handled and assisted.
Collect and open mail addressed to the supervisor.
Tabulate and retrieve official expenditures and claims.
Prepare PowerPoint presentations and reports as per the request.
Liaise with managers in Head Office and opcos, and / or with partners / vendors to ensure timely production of documents and reports as requested by the supervisor.
Attend functional meetings and document key information and decisions as and when required.
Analyze basic information in response to queries from the department.
Organize materials and logistics for external auditors.
Handle procurement for the department-stationery, office tools, ordering business cards.

Qualifications

Bachelor’s degree in business administration
Diploma in Secretarial Studies
Diploma in Management/Leadership/Communication
At least 5-year experience as a PA or Secretary in an administrative role in a senior or executive management role
Excellent written and oral communication skills.
Bi-Lingual (French Speaking) will be an added advantage
Excellent word processing and IT skills, including knowledge and proficiency to at least intermediate levels in a
range of office software, including Microsoft Word, Excel, PowerPoint, and Outlook
Honesty and reliability
Excellent organizational skills
Accuracy
The ability to work on your own initiative and to tight deadlines.
Flexibility and adaptability to juggle a range of different tasks needing to be undertaken simultaneously.
An understanding of confidentiality issues and the use of discretion

Apply via :

equitybank.taleo.net

October 29, 2024
Finserve Operations Service Delivery Officer Operations Officer Finserve

Job Purpose:
The Officer will foster customer loyalty through high-quality interactions at each step. The officer will be responsible for improving the service delivery to customers have with the Finserve suite of products i.e Equitel, Jenga PGW,Jenga API, Market place and any other product under Finserve with the goal of increasing customer satisfaction. The officer will be responsible for overseeing multiple different processes, all geared towards inspecting and coordinating all the points of contact between a customer and Finserve.
The role works closely with management and a cross-section of functions within Equity bank as well as other partners.
Job Responsibilities:
Service delivery

Implement standards/procedures for ensuring optimal customer experience
Conduct surveys to gather information on customer opinion of rendered services
Drive and manage customer satisfaction scores and overall customer service delivery within the department
Support and assist in deployment of products by conducting relevant tests
Assessing and ensuring the quality of service delivered through the department
Continuously review the quality standards and processes to ensure efficiency and alignment with best practises
Communicate metrics results and other relevant information to management and recommend areas for improvement
Utilize customer relationship management (CRM) tools in coordinating and monitoring service delivery to customers.
Be part of team productivity and ensure to operate within the set policies and procedures
Join regular Cx team meetings, identify and share best practice.
Participate in training
Develop and maintain strong relationship with staff within the department and other Support teams
Respond to incoming emails,incidents and phone enquiries in a prompt manner
Undestand the customer, the market and industry
Support and ensure delivery of best-in-class service delivery to new and existing Finserve customers.
Carry out Detailed journey-mapping and understanding Client pain points and expectations with a view of proposing solution.
Attend customer trouble shooting sessions to review the customer journey and issue resolution process with a view of improving the interaction with the customer.
Submit comprehensive, accurate and timely reports

Qualifications
Key Critical Competencies

Genuine customer focus
Strong leadership capabilities
Good planning and organizational skills
Strong analytical and negotiation skills
Excellent communication skills.
Critical thinker with great problem solving skills.
Naturally inquisitive & insightful. A business builder
The ability to work calmly under pressure, with minimum supervision
High tolerance for work in a rapidly evolving work environment (adaptability)
Strong team player with excellent interpersonal skills.

Requirements:

University degree from a well-recognized university
Minimum 2 years’ experience in a relevant field.
Proven ability to analyse complex business issues and identify, design, and implement effective practical recommendation.

go to method of application »

Use the link(s) below to apply on company website.

Apply via :

October 29, 2024
Head of Risk – Re-advertisement

Description
Reporting to the Board of Equity Bank Kenya Ltd (EBKL) with matrix reporting to the Group Chief Risk Officer (GCRO), the Head of Risk for Kenya will develop and lead the Enterprise Risk Function in providing an on-going risk perspective to the Board and management on strategy and operations to enable the business to achieve its strategic objectives.
Key Responsibilities

Maintain the EBKL Enterprise Risk Management Framework and ensure its effective implementation
Develop the EBKL Enterprise Risk Function to ensure it is capable of supporting First Line of Defence risk taking activities through effective Second Line challenge
Recommend appropriate risk appetite aligned with strategic objectives and ensure the Board approved Risk appetite is integrated into Country’s overall strategic agenda
As Secretary to the Board Risk Committee support the committee to execute its risk management responsibilities by providing an on-going risk perspective on strategy and operations, in addition to coordinating the Country Risk Management Committee as chair/alternate chair
Provide leadership and develop adequate risk infrastructure to support Country strategy and operational activities.
Implement risk data aggregation capability to support seamless risk analysis and report
Initiate a relevant stress test and scenario program, review the results and assess their implications for the country.
Ensure that effective management response plans are in place to respond to extreme but plausible scenarios.
Oversee timely and accurate risk escalation and reporting to The Board, the Equity Group and to the Regulator
Maintain robust proactive communication protocol and process with the Regulators
Communicate with the Company stakeholder and board members about Country ‘s Business Risk Profile
Develop enterprise risk management for the Country, supported by policies and standards appropriate for the boundaries of risks for the Country.
Implement control testing and assurance program for the Country over the design and effectiveness of Country risk frameworks, risk policies, and standards
Implement risk scanning program to support assessment of Horizon and Forward-looking risks.
Drive transformation of the Risk Function to new ways of working to deliver robust risk management rhythm and risk culture in an agile environment.
Team leadership. The role holder will be supported by a team of Risk Subject matter experts and other Risk Officers at Group and EBKL to deliver the mandate.

Qualification and Experience

Undergraduate degree in business related field
Postgraduate /Master’s degree qualifications are an added advantage
Professional qualifications in Risk from a recognized professional body
Relevant business/function experience of over ten years (Banking experience preferred)
Experience in building/supporting risk management programs and working with boards, senior management and regulators

Competencies

Financial services, Banking and Technology industry experience
In-depth understanding Global risk frameworks and their application.
Ability to work in a matrix organization, leveraging resources across the organization to complete deliverables.
The sound judgement and courage necessary to perform a control role and maintain effective working relationships
Strong analytical, problem solving and modelling skills
A proactive, tenacious and results oriented leader with great initiative
Excellent commercial orientation and business acumen
Excellent verbal and written communication and presentation skills
Enthusiastic with a high level of accountability and integrity

Apply via :

equitybank.taleo.net

October 29, 2024