Based on 25 salaries posted anonymously by TymeBank Brand Ambassador employees in Remote. Learn about TymeBank culture, salaries, benefits, work-life balance, management, job security, and more. Menu. Agents will be based near SASSA Offices for easy access by. View Lerato-Lee mphuthi’s profile on LinkedIn, the world’s largest professional community. I was employed june 2018 they terminated my contract because my store wasn't that busy but funny enough i was reaching my target of 10 customers a day (i loved my job as a brand ambassador at san ridge square) but they didn't give me an opportunity to explore . TymeBank. reaching daily daily targets and working under little supervision. If you’re interested in applying for a job at TymeBank , you can follow these steps: Visit the. Learn about TymeBank culture, salaries, benefits, work-life balance,. Johannesburg, 03 February 2022: TymeBank, one of the world’s fastest growing digital banks, has officially launched its first credit card in. I pride myself with my ability to write statements and reports for different cases, interviewing suspects and victims. they put my account on hold and said it would take 5 to 7 working days to investigate till today nobody has contacted me. This estimate is based upon 1 TymeBank Ambassador salary report (s) provided by employees or estimated based upon statistical methods. Gauteng, South Africa. Interview. Based on 25 salaries posted anonymously by TymeBank Ambassador employees in Johannesburg. Use the app or internet banking platform to retrieve a TymeBank proof of account letter or statement. Which means they are often paying 10-20% per. See all Ambassador salaries to learn how this stacks up in the market. About I'm a hard working person, always willing to learn anything new, I am a fast learner and a team player. Free initial Visa debit card; Free balance enquiries; ways-to-bank Talk to an ambassador. Keraan said the bank is seeing a disproportionately high level of activity from female customers and seemed to draw a lot of women with low. If the person you sent money to does not redeem the money within 7 days, the money will be reversed into your account at midnight on the 7th day (one week) after the transaction. Join to view profile TymeBank. Tyme Bank consultants will be required on all kiosks nationwide. TymeBank in Moses Lake, WA Expand search. Open the TymeBank App: Start by tapping on the TymeBank app icon on your phone. They may also serve on international committees or participate in organizations like the United Nations. Cheslyn Jacobs, Head of Sales & Service. Tyme is now looking to replicate part of that strategy in the Philippines, where it can. am very good people , good team player, am a good listener, self motivated and I always try to come up with solutions <br>what I learnt in my past experience is you always learn, love what you do and always do your best<br>And in 5 years I see my self been more than a employee, I want to grow with the company <br> | Learn more about Teelo M's work. The bank expects to reach six million customers before the end of this month. Insane target and less salary. The estimated base pay is ZAR 4,265 per month. When this happens, it's usually because the owner only shared it with a small group of people, changed who can see it or it's been deleted. After 15h00, the funds will be received the following evening. Your purchase is divided up into three simple payments: 50% upfront, another 25% after 30 days and the last 25% after 60 days. Internet Banking,our SmartApp,USSD by dialling *120*543# or *130*543# (free of charge),WhatsApp on 0860 999 119,Any TymeBank Kiosk in a Pick n Pay or Boxer store,Any ATM (R2 fee applies), or. TymeBank introduced Tyme Ambassadors, 70% of whom are women. 3,8 was a Xtra Savings promoter I helped in educating people about the Xtra Savings card and showed them how to register it I was able to gain alot of experience on how to interact with customers how to problem solve and gain confidence. 00 across all your GoalSave Accounts, R 200 000. ZAR 26. Rowan Moonsamy posted images on LinkedIn. Actively listen to conversations before jumping in to see how you can impress and contribute to the conversation. . . Rather than giving them a time frame, you may want to share your career goals. Do you have an idea about Old mutual rewards? It's not a policy though. Closing Date: September 29th, 2023. Share your interview experience Interview experience Based on. You will get a TymeCode, which you are supposed to show to your cashier. Redefine Holding, in partnership with Tymebank, is offering Tymebank Ambassador opportunities across various locations in South Africa. They are a digital bank that is physically present. Personal Banking. I am an experienced and dedicated forensic investigator. also see : Nedbank Learnership Programme. Jane Rambarly Last Updated: Oct 17, 2022 Less than a minute TVET College To all parents, students or guardians interested in how to become a tymebank. Because there is a TymeBank kiosk in most Pick n Pay and Boxer stores and you can deposit and withdraw money at every Pick n Pay and Boxer till point, you can bank where you shop. Bryanston, Gauteng, South Africa Shop Assistant The chill zone Apr 2018 - Sep 2018 6 months. Staff Writer. About a week. 0 Average Hard. Rowan Moonsamy posted images on LinkedIn. The money we save by not having branches. If you are looking to make quick bucks switching people to Tymebank for their SRD grant, then sign up to become one of our ambassadors. King William’s Town, Eastern Cape, South Africa Examinations assistant Department of Basic Education 2023 - 2023 less than a year. Connect Faith Mokone Unemployed Pretoria. Salary: Market Related. Ambassadors Ambassadors. Once signed-up customers can automatically become Smart Shopper members – Pick n Pay’s rewards programme. | Learn more about Virginia Mokgadi's work. Each one has a unique explanation. also see : Nedbank. Shared on 11 April 2022 - Brand Ambassador - Pietermaritzburg, KwaZulu-Natal. If you are interested in working for TymeBank, please email your CV with a cover letter to [email protected] who you know in common. TymeBank has no branches and its core banking system is hosted securely in the Cloud. Long hours. TymeBank’s majority shareholder is African Rainbow Capital, a fully black-owned and controlled investment company, making TymeBank the first majority black-owned retail bank in South Africa. I am a very creative individual with good self-esteem and think logically which helps me to interact with other people positively. The bank offers an example of a purchase valued at R4 000. To become an ambassador, you first need a good education. Reuben registered with Tshepo 1 Million in 2018. This job requires opening new. Tymebank’s products and services. Joined Jun 15, 2011 Messages 41,851. Find out what works well at TymeBank from the people who know best. Ambassador (promoter) (Former Employee) - Durban, KwaZulu-Natal - 16 October 2019. View mutual connections with Nokuzola Sign in. 3,661 Bank Ambassador jobs available on Indeed. I am a very self-motivated person with strong ability to learn and accept changes. It charges a fee of R65 for any late payment, and says the “purchase will then become an incidental credit agreement”. Does TymeBank have a WhatsApp number? WhatsApp on 0860 999 119, Any TymeBank Kiosk in a Pick n Pay or Boxer store, Any ATM (R2 fee applies), or. How to grow money with TymeBank? The longer you save, the higher the rate. The ability to speak in front of an audience will come in handy if you become an ambassador. Report this post During their contract, the TymeBank agents/ambassadors will be based outside Sassa offices, where they will assist grantees open new TymeBank accounts. Click Here to Apply. Compare pay for popular roles and read about the team’s work-life balance. See all Ambassador salaries to learn how this stacks up in the market. Ambassador salaries at TymeBank can range from R 4,193-R 4,538. TymeBank Job Details. TymeBank [6] is the first bank in South Africa to put its core-banking platform in the cloud. Amar Ambassadors. Ambassador at TymeBank Pretoria, Gauteng, South Africa. Working as an Ambassador at TymeBank: Employee Reviews about Pay & Benefits | Indeed. You don’t have to send any proof of anything, you can just type out your physical. Margot Gutteridge 084 296 2689 margot. All content is posted anonymously by employees working at TymeBank. For context on the scale of TymeBank’s customer base, Nedbank’s interim results (also to the end of June) reported that it had “more than 7 million” retail customers. Experience Ambassador TymeBank Mar 2021 - Present 2 years 2 months. Unlimited free debit card swipes. The more we know about you (and can verify), the more access we. If you were looking for Tymebank loans, how about you switch a bank were you always receive you salary and enjoy this benefits. It is majority owned by ARC Financial Services Holdings (Pty) Ltd, a company within Patrice Motsepe's Ubuntu-Botho Investments stable. Job Title: TymeBank Ambassadors. Tshwane North college. Homepage; Accounts EveryDay Personal Account MoreTyme Credit Card TymeBank TFG Money Bank Account;. TymeBank cannot reverse, refund or correct payments that were made to an incorrect cellphone number or to the wrong person. Skilled in Analytical Skills, Communication, Strategy, Training, and Research. You can bank with TymeBank at over 14 000 till points across the Pick n Pay and Boxer network and at over 700 kiosks, many of which are staffed by dedicated TymeBank Ambassadors who are ready to lend a helping hand. Average salary for TymeBank Ambassador in South Africa: ZAR 4,369. 6. Report this profile Report Report. Jun 2023 - Present 6 months. It offers to share and term deposits, tax-free and ordinary savings accounts, residential and commercial mortgages, asset-based finance, investment loans, bridging loans, foreign exchange, and other services. co. Apply for a Bank In-Store Brand AmbassadorPartner Opportunity. Capabilities. TymeBank brand ambassador Port Shepstone. TymeBank is a new kind of bank that’s digitally smart. Cofounder of Fervia the movement. I interviewed at TymeBank. South Africa’s first fully digital bank has no branches, is being hosted securely. In March 2020, he was offered a permanent position as Senior Ambassador. After opening your account at a Pick ‘n Pay or Boxer store, the TymeBank ambassador will help you fill in your switch forms and provide you with your proof of account. gutteridge@mslgroup. This estimate is based upon 1 TymeBank Ambassador salary report (s) provided by employees or estimated based upon statistical methods. Activities and Societies: Electrical Engineering Mentor, Obz Square Residence Deputy Head Mentor,Member of the IT and Marketing Subcommittee at. Date posted: 29 August 2023. Tyme Bank is looking for In-Store Brand Ambassadors – R4 565. Our business is. Back Submit. Duration: 12 month fixed term contract. How long does TymeBank send money work? A: Immediately if they’re with TymeBank, otherwise 1-2 working days. Tyme Bank Customer Helpline and Help Centre for customer support and FAQs on TymeBank, South Africa. Download TymeBank’s App for android mobile users. Currently, transactions make up 43% of TymeBank’s revenue, so the more people who use it as their primary bank, the better. Then you can submit the SASSA switch documents to your local SASSA office. I worked with small companies but learned a lot of office work from them. If the person you sent money to does not redeem the money within 7 days, the money will be reversed into your account at midnight on the 7th day (one week) after the transaction. Build engagement. TymeBank cannot reverse, refund or correct payments that were made to an incorrect cellphone number or to the wrong person. View Molobane yvette Lebepe’s profile on LinkedIn, the world’s largest professional community. It offers banking services without charging customers monthly fees, many banking transactions are free and there are low. Ambassador at TymeBank Durban, KwaZulu-Natal, South Africa. In line with TymeBank’s quick digital systems, Retail Capital offers SME funding through an easy, three-step online application process. 2018 - 2019. With positions available in Western Cape, Eastern Cape, Free State, Gauteng, North. My experience in forensic investigating are in areas of fraud, pyramid schemes, scams and any other financial misconduct. Report this profile Report Report. Who we are. Join us in less than 5 minutes. i andries i have 1 year 6 months as an admin assistant at thuto bokamoso my experience as i was in the school telephone skills how to talk communicate with people typing documents using comouter programme such as micro office exell out lock i do scan document and email i also have the brand experiencing how to promote the brand get customer to your. See the complete profile on LinkedIn and discover Khwezi’s connections and jobs at similar companies. What are requirements to get a job at Tymebank. Back. I have worked as an administrator when I finished school which gave me a kick start in the work environment and then furthered my studies in Community Health Work, where I was a care giver at an Old Age Home and I also did health promotion in a Home Based Care. The Tymebank EveryDay Business account limits are as follows: R 100 000. What is needed to open a TymeBank account includes: Being 16 years old or older. In doing this, TymeBank continues to respond to its customers needs and hopes to become a front-runner within the highly-competitive financial services sector. TymeBank offers you three different kinds of bank profiles based on the type of relationship you have with us. In a statement on Tuesday, the bank said in addition to the debit card, TFG’s customer base - made up of more than 26 million people in South Africa - will have access to the bank’s financial products in store. Join to view profile TymeBank. The "Most Likely Range" represents. Then you can submit the SASSA switch documents to your local SASSA office. See the complete profile on LinkedIn and discover Inga’s connections and jobs at similar companies. Does TymeBank have a branch? TymeBank is a new kind of bank that’s digitally smart. See what employees say it's like to work at TymeBank. To apply for a TymeBank medical aid plan, you first need to have a TymeBank account. You can open an EveryDay account in under 5 minutes, either online, or at a TymeBank kiosk. The "Most Likely Range" represents values that. Insane target and less salary. Closing date: 29 September 2023. The money we save. The following insights reflect TymeBank’s high-tech, high-touch model: TymeBank has 700 kiosks at Pick ’n Pay and Boxer stores across South Africa, staffed by ambassadors (service assistants. Customer Service: For customer inquiries, you can either phone the call centre at 0860 999 119 or visit their website’s help centre for more information. prompts, but if help is needed, TymeBank Ambassadors are on hand in most stores to assist customers through the digital process. Challenging and stressful. If you are interested in working for TymeBank, please email your CV with a cover letter to hr@tymedigital. If you are interested in. Learn about TymeBank culture, salaries, benefits, work-life balance, management, job security, and more. Strong community and social services professional with a N4-N6 Chemical engineering focused in Engineering from Flavius Mareka TVET College . We believe that every South African has the right to accessible and. Another way of doing a TymeBank balance check without app is via WhatsApp. Brand ambassadors are employed by Edge Field Marketing to represent our Clients’ brand to potential customers within selected retail stores. It's a reward. Yesterday, I spent R77 on Uber to get to another Kiosk, just to get there and the same thing happens and there is NEVER ANY Tymebank Ambassador around. Salary: Market Related. The bank currently processes an average of 23 million. Johannesburg, 6 December 2022. TymeBank Profile and History. Ambassador (Former Employee) - Woodlands, Gauteng - 20 April 2023. Tymebank Ambassador at edgefield marketing Johannesburg Metropolitan Area. TymeBank: South Africa’s first digital bank goes live. It's a reward. As Featured In: With more than 4. Fraud Analyst at TymeBank. TymeBank. Census Fieldworker StatsSa Feb 2022 - Apr 2022 3 months. Find out what works well at TymeBank from the people who know best. 2 million people. The operating model made it possible for the bank to aim at a customer base of a million people with only 250 staff members. currently I am working as a TymeBank brand ambassador it has been a wonderful experience by far being able to work for one of the best digital bank I have gained. Report this profile Report Report. Experts add insights directly into each article, started with the help of AI. 2021 - 2023. Experience Brand Ambassador TymeBank View prudence’s full profile See who you know in. Find a. TymeBank has issued a warning to its customers to caution them against letting strangers use their bank accounts – even if they are promised payment in return for the favour. Find the Voucher Section: Look for a section or option that says "Buy Voucher" or "1ForYou" or something similar. Actively promoting the Client’s brand to customers in order to. Compare pay for popular roles and read about the team’s work-life balance. One of the fastest-growing banks in the world, TymeBank has secured more than 6 million customers since start-up in 2019, and is taking on more than 180,000 new customers a month. In order to be considered for the brand ambassador job, you have to…. RCS. TymeBank is the first digital-only bank ever to launch in South Africa and its aim was to use banking technology for disruption. Through training given by the Sales and Marketing teams, a Brand Ambassador develops the tools necessary to help grow a market. TymeBank. Report this postDuring their contract, the TymeBank agents/ambassadors will be based outside Sassa offices, where they will assist grantees open new TymeBank accounts. This job requires opening new accounts for them. South Africa. Employers / Post Job. Name: Sinekhaya Manciya Age: 30 Area: Brakpan, Ekurhuleni Please refer to for details about the TymeBank terms and conditions. People earning as little as R3 000 a month can qualify, while other banks only start offering credit cards to people earning around R5 000. Build a following. See the complete profile on LinkedIn and discover Patricia’s connections and jobs at similar companies. Yes, that is correct. Apply to Ambassador, Call Center Representative, Front Desk Agent and more!Tymebank ambassador City of Johannesburg, Gauteng, South Africa. A position is available for agents to help SASSA grantees transition from their SASSA and Post bank cards to Tymebank cards. I Am Currently A Tymebank Ambassodor,In 2024 I Will Be Starting With BEd At UNISA. Select the country code, enter the recipient's phone number, and tap “Check phone number. 9 out of 5, based on over 20 reviews left anonymously by employees. TymeBank hopes this move will help it attract more customers from the middle- and upper-middle-income. Werner Knoblich, Chief Revenue Officer at Mambu, added: “TymeBank in South Africa has proven to be incredibly successful in serving a customer base with similar levels of financial exclusion as the Philippines. If the person you sent money to does not redeem the money within 7 days, the money will be reversed into your account at midnight on the 7th day (one week) after the transaction. My Main Goal Is To Obtain A Teaching Degree,Work In South Africa For A Few Years Then Go Abroad To Become An International Teacher. 2,9. Poor. [9] TymeBank's use of technology and the strategic relationship with Pick n Pay and Boxer stores eliminates the need. This initiative aims to assist SASSA Grantees in transitioning to Tymebank's efficient and cost-effective banking services. This involves assisting individuals in opening new accounts and ensuring a smooth transition. Strong finance professional graduated from Monyentla Work Readiness Program. View Nakisani Muntshi’s profile on LinkedIn, the world’s largest professional community. In 2015, the Commonwealth Bank of Australia (CBA) acquired 100% of Tyme and renamed the business TymeDigital by. The concept of the company is stagnant, insane target and less salary. RegisterWelcome to Tyme Bank Vacancies information page. Inga has 1 job listed on their profile. On the plus side, Adidas offers anybody to make some extra money by becoming their affiliate. He got the job, as a TymeBank ambassador. Oldest First Easiest Most Difficult Interviews at TymeBank Experience Positive 100% Getting an Interview Staffing Agency 100% Difficulty 2. Ambassador at TymeBank Durban, KwaZulu-Natal, South Africa. Only pay for the banking you use. Easy. See reviews by: Popularity | Rating | Date | All. Interview questions at TymeBank. Any high school graduate at least 20 years of age is eligible to become a Foreign Service Officer. Rebecca Cronje, 0722578255 or rebecca@aprio. Bachelor of Science in Engineering - BScEngElectrical and Computer Engineering. 4 followers 4 connections. 100 % paperless Process. Attach Documents: You may be asked to attach your resume, cover letter, and any relevant certificates or documents. Molobane yvette has 2 jobs listed on their profile. Shape the next generation of banking with us We want the best, to work with the best. Contents. 20 Reviews -- Jobs 25 Salaries 2 Interviews 6 Benefits -- 11 Diversity + Add a Review Employee Review See All Reviews ( 20) 5. Yes, funds have cleared. Its new product aims to tap into the market not. Simply visit any of the nearest Pick n Pay or Boxer stores with your TymeBank card or TymeCode to deposit at till points. Keraan's presentation to analysts showed that over 50% of TymeBank's customers are older than 35. Get TymeCode. - Attending induction training programmes and attaining CPD points as. TymeBank has launched a Visa credit card in partnership with RCS. Skilled in Microsoft Excel, Customer Service, Microsoft Word, Microsoft Office, and Customer-focused Service. 00 daily transaction limit, R 1 400 000. | Learn more about thabang bonoko's work experience. Temu Ambassadors. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. 00 monthly transaction limit and a maximum account balance for both your Tymebank EveryDay Business account and all your GoalSave accounts of R 700 000. The app features services such as MoreTyme, which offers. To qualify for a TymeBank CreditCard, applicants must be 18 years or older, employed and earn R3,000 or more per month. Unlock new privileges and see hidden discussions. whatever comes. Le-ann Botha posted images on LinkedIn. Ensure Sassa processes these updates by the 15th of the month to receive your next grant payment directly into your TymeBank account. ”. Enjoy new features like MoreTyme that allows you to pay. 200 followers 200 connections. Cape Town, Western Cape, South Africa Covid 19 Marshall PRASA Jul 2020 - Mar 2021 9 months. Awful and disrespectful manager. Picture: TymeBank. This is the TymeBank company profile. Duties include: Prospecting clients for leads and new business sustainability through the application of sales techniques in a fast paced sales environment. Tyme, headquartered in Singapore, will primarily use the funding to expand TymeBank in South Africa, where it already operates, but also plans to apply for a digital bank license from the Central. The money we save by not having branches means you pay a lot less for banking, like no monthly fees and only pay for what you use. Easy to open onlineLow feesNo branches but plenty of kiosksPersonal and business accountsGet paid earlyFree Visa cardRewardsUp to 8% savings accountA digital bank that shook up South Africa and brought an easy-to-use bank account to many of its inhabitants. TymeBank has successfully put a field force of over 1 500 ambassadors in place at its kiosks inside Pick n Pay and Boxer stores to assist customers to on-board with ease and to impart product knowledge to customers. TymeBank is all about 3 key things. You can also open an account (if you don’t have one) and switch your grant at a TFG store near you. Open navigation menu. Weeks after launching a credit card, TymeBank is now into medical insurance. Our tribe of problem solvers, engineers, and designers are locked in with one goal: unlocking the world’s financial potential. Get introduced. Join to connect TymeBank. All your card transactions are password or PIN-protected to keep them safe. Our mission. Connect Ntombizodwa Ndweni City of Johannesburg. We're a bank that's digitally smart. TymeBank is a free finance app by Tyme Bank Ltd. TymeBank is South Africa’s first digital bank. TymeBank doesn't support international transfers. Back Submit. The Org spoke with TymeBank CEO Tauriq Keraan to find out the underlying drivers for the company’s success in becoming one of the world's fastest growing digital banks. Excellent. Through this methodology, it is rapidly expanding. On TymeBank's international expansion, ARC said the bank's fellow subsidiary company, Tyme Global, plans to finally launch GOtyme in the Philippines in October 2022. Once signed-up customers can automatically become Smart Shopper members – Pick n Pay’s rewards programme. Close suggestions Search Search. One. 23 May 2023. Brand Ambassador: Pension Funds at Iemas Financial Services Pretoria. They charge a once-off initiation fee of R160 and a monthly service fee of R40. Connect Explore collaborative articles We’re unlocking community knowledge in a new way. Lerato-Lee has 1 job listed on their profile. 1. There’s not a specific bachelor’s degree required, but you want to study something that’s relevant: Political science, history and international relations are three. by calling our Customer Service Centre on 0860 999 119. Unlock the future of banking and stay informed at tymebank. This rating has improved by 3% over the last 12 months. TymeX. Based on 1 salaries posted anonymously by TymeBank Ambassador employees in South Africa. | Learn more about Nompumelelo. Fill out the required information, including your personal details, educational background, and work experience. Our products, services and tools are designed to be easy to use and easy to find. Reviews from TymeBank employees about working as a Brand Ambassador at TymeBank. You will be required to: Represent the Bank brand in a professional manner, and to provide accurate company information to customers and prospective customers. The "Most Likely Range" represents values. You can take a Free K53 Online Learners Test by. See the complete profile on LinkedIn and discover Thomokazi’s connections and jobs at similar companies. TymeBank signed up a record 228 000 new customers in October and 200 100 in November. What documents do I need to open an account?. The first interview at TymeBank for Brand Ambassador. adidasoutdoor. Ambassador TymeBank View Nametso’s full profile See who you know in common Get introduced Contact Nametso directly Join to view full profile Explore collaborative articles We’re unlocking community knowledge in a new way. I have achieved most in my tertiary studies, and I have received various certificates for my performance. TymeBank’s business customers stand to benefit from the launch of a new offering, TymePOS, a mobile point-of-sale app that turns an NFC-enabled cellphone into a tap-and-go payment device. Name: Sinekhaya Manciya Age: 30 Area:. The mission of a U. Harambee is a 100% free opportunity for young South Africans. Experts add insights directly into each article, started with the help of AI. Post Views: 2,530. Contact Patricia directly. Talk to a TymeBank ambassador Check and add cash to your GoalSaves What it costs. How To Submit TymeBank Vacancies Application Form 2024. Get introduced. TymeBank is South Africa's first digital bank. South Africa’s fastest growing digital bank, TymeBank, which is set to reach the 6-million customer mark this month, is pleased to announce that its acquisition of Retail Capital is now complete after it was granted all the necessary regulatory approvals. Win prizes and earn reputation. I also gained a lot of experience through out the position of being an Assistant and also through volunteer work. Start of main content. co. It went on to become a stand-alone business in June 2012. See the complete profile on LinkedIn and discover Lerato-Lee’s connections and jobs at similar companies. The agents will be located near SASSA offices, within walking distance. za & phone: +27-xxx-xxx-7336's profile as Tymebank Ambassador at TymeBank, located in Johannesburg Metropolitan Area. You’ll also find a TymeBank ambassador at many of our kiosks, willing to help. 4,0. Stay out from the comfort zone be active and professional. Now his “Symphony of Dance” is touring to 60 cities. Customer Service Ambassador at TymeBank 3d Report this post Good day. interests abroad.