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Join a Challenger Being a traditional bank just isn’t our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what’s possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you’re not afraid of taking on big challenges and redefining the future, you belong with us. You’ll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together. We are a big (and growing!) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank™, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform ( eqbank.ca ) one of the top banks in Canada on the Forbes World's Best Banks list since 2021. The Work The Senior Underwriter is responsible for conducting expert credit reviews across the entire suite of Insurance Lending products which includes Immediate Financing Arrangements (IFA), CSV Max, and CSV Flex applications. The incumbent will be responsible for adjudicating complex corporate and personal credit applications while maintaining excellent service levels. The Core Responsibilities! Assess the credit worthiness of both commercial (corporate) and individual borrowers, while adhering to the Bank’s lending guidelines and policies. Provide recommendations and approvals within designated limits, including those of peers when necessary. Ensure that approved deals close as scheduled and as efficiently as possible, by following up on outstanding conditions/documents and ensuring compliance with established guidelines Demonstrate a comprehensive understanding of the nuances of Whole Life Insurance policies, including their structure, functionality, as well as the impact of future policy changes on the credit portfolio. Deliver exceptional, customer-centric service to both internal and external stakeholders; participate in sales meetings, as required. Mentor team members on credit adjudication and compliance practices. Actively engage in team efforts and support colleagues. Maintain a high level of professionalism in all interactions. Support other areas within the Growth Business unit as required. Let's Talk About You! Post-secondary education in business or finance. In-depth knowledge of commercial underwriting and financial statements analysis. Proficient underwriting skills, with a minimum of 2-4 years of commercial lending experience. Insurance lending experience preferred. Exposure to and knowledge of whole life insurance products is highly preferred. Strong analytical and problem-solving skills, with the ability to assess credit applications holistically. What we offer [For full-time permanent roles] 💰 Competitive discretionary bonus ✨ Market leading RRSP match program 🩺 Medical, dental, vision, life, and disability benefits 📝 Employee Share Purchase Plan 👶🏽 Maternity/Parental top-up while you care for your little one 🏝 Generous vacation policy and personal days 🖥 Virtual events to connect with your fellow colleagues 🎓 Annual professional development allowance and a comprehensive Career Development program 💛 A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well. We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position. We can’t wait to get to know you!

Leader Automotive Group dba KIA of Lincolnwood is searched for an experienced F&I Manager with a proven track record of success. KIA of Lincolnwood is a high volume store and this could be a career opportunity for the right candidate. Leader Automotive Group is a wholly owned subsidiary of AutoCanada, a publicly traded company. Leader Automotive is AutoCanada’s first footprint into the U.S. market and we currently have 10 dealerships consisting of 23 different franchises and approximately 700 employees. We have a strong presence in the Chicagoland area with 8 dealerships and 2 more located in central Illinois. We are searching for talented individuals as we begin a new and exciting legacy into the U.S. market. Benefits Health, Dental & Vision Insurance BCBS Health & Wellness Discounts/Programs Life Insurance 401(k) Paid time off / Vacation Growth / Advancement Opportunities Employee Vehicle Purchase Policy Above Average Industry Pay Publicly traded organization / stability Employee referral bonuses Unique/Competitive Pay Plan Paid Training Responsibilities Oversee all customer loan origination/approval Present products to customer while maintaining high CSI Complete all transaction and purchase contract materials Maintain accurate product information Present all products to every customer 100% of the time Provide recommendations and assistance to customers in order to arrange the financing of their purchases. Present customers with additional product offerings to enhance their vehicle and ownership experience. Ensure sales are structured to produce the highest profitability. Maintains proficiency and certifications as required for the position. Accurately desks deals, submits deals to lenders for approval, makes credit decisions, and effectively closes deals. Ensure every deal is fully aligned with local, state and federal guidelines. Prepares paperwork, contracts and delivers deals. Accurately audit team deals Post-Sale and deeply analyze for improvements. Guarantee the expeditious funding of all contracts. Qualifications Finance experience in an Automobile Dealership CDK experience preferred Menu presentation and selling skills Dealer Track experience a plus Must be able to work a flexible schedule Excellent interpersonal/communication skills Strong attention to detail and desire for continuous improve College degree preferred or equivalent experience Knowledge of dealership finance and insurance procedures Proficient at structuring deals for maximum profitability Well-versed in title laws and registration process Professional personal appearance and extraordinary verbal/written communication skills Expertise in negotiation and presentation skills Valid driver’s license We are an equal opportunity employer and prohibit discrimination/harassment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Due to the rapid expansion of our company, we are looking to hire new associates to our customer service team. Our company works with 45,000 union workers in California who require personal customer care. As a result of the increased demand of our client base, we are looking for highly motivated workers to counsel and serve working families. However, our service team is selective. We are looking for qualified candidates who have experience in customer service or sales, and are also flexible, adaptable and trainable. This is a full time position. WHO WE MARKET TO : We specialize in life insurance to protect different areas for the family with average income and health. We have too many requests for insurance through our niche market but not enough agents to help fill these requests. HOW WE GET PAID: Yes, this is commissions only! The commission schedule is designed to help you make money ASAP! You could be paid within a week of writing your first policy. Our average sale nationwide is for $1,000 in annual premium with 2 bonus structure associates are earning $600 just for one sale. TRAINING WE PROVIDE : We have made it so you can sell a policy in quickly. We provide you with all the training you will need on our carriers, products, sales scripts. Our job is to help you make money! Want to grow an agency? We can help you achieve that within months! NOT LICENSED? No Problem. We have many resources available to you to help get you started. Minimum requirements for consideration: Great Work Ethic Positive Attitude Outgoing Personality Ambitious Benefits Includes Health Insurance reimbursement Life insurance Bonuses Retirement Plan Weekly pay

The Risk Strategies Select New Business Specialist will serve as the trusted advisor for producers and clients providing a comprehensive insurance solution for the small business sector. The role will build strong relationships, generate leads and transition prospects into clients. This role is hybrid with 1-3 days working from one of our California locations. Your Impact: Ability to consult and develop new business, with emphasis on understanding of client exposures and coverage needs; Stellar Client engagement skills Demonstrate track record of transitioning prospects into clients in addition to initiating new revenue by making coverage recommendations and rounding accounts; Persistence with a focus on driving revenue through solution-driven consultation Well-established peer and producer network to generate leads Relationship mentality to engage producers for their identifiable prospects A commitment to maintain organized records for all aspects of the new business process; Self-starter dedication to utilizing research tools for prospect research and building professional contact networks; Deep understanding of the marketplace, coverage complexities and strong relationships with industry partners Act as a mentor to current and incoming staff Successful Candidate Will Have: Minimum of 5+ years of successful, documented business development experience; Broad industry knowledge including program business with continued education and development; Industry specific designations preferred- CISR, ARM or similar Flexible, and able to work effectively under pressure, handling multiple tasks with interruptions and changing priorities Bringing prospects to closure while maximizing client retention through superior customer service Ability to work in a fast-paced environment managing multiple competing priorities & demands Risk Strategies is the 9th largest privately held U.S. brokerage firm offering comprehensive risk management advice, insurance and reinsurance placement for property & casualty, employee benefits, private client services, as well as consulting services and financial & wealth solutions. With more than 30 specialty practices, Risk Strategies serves commercial companies, nonprofits, public entities, and individuals, and has access to all major insurance markets. Risk Strategies has over 200 offices and more than 5,400 employees as part of the Accession Risk Management Group family of companies. Industry recognition includes being certified a Great Place to Work in 2023 and on the Inc. 5000 list as one of America's fastest growing private companies. Risk Strategies is committed to being good stewards for our company, culture, and communities by having a strong focus on Environmental, Social, and Governance issues. At Risk Strategies Company, base pay is one part of our total compensation package, which also includes a comprehensive suite of benefits, including medical, dental, vision, disability, life, and retirement savings, The total compensation for a position may also include other elements dependent on the position offered. The expected base pay range for this position is between $65,000.00 - $80,000.00. The actual base pay offered may vary depending on multiple individualized factors, including geographical location, education, job-related knowledge, skills, and experience. ​ Risk Strategies is an equal opportunity workplace and is committed to ensuring equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about working at Risk Strategies by visiting our careers page: www.risk-strategies.com/careers . Personal information submitted by California applicants in response to a job posting is subject to Risk Strategies' California Job Applicant Privacy Notice .

Location(s) Gloster, Mississippi Details Kemper is one of the nation’s leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper’s products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises. Role: Life Insurance Sales Agent Employment Type: Full Time Work Arrangement: Field Role Career and Opportunity: Kemper is a diversified insurance holding company. We are firmly committed to servicing the insurance needs of modest-income families. Our strength lies within our dedication to frequent personal visits with our customers in their homes for premium collection and other service needs. You’ll start with a paid license preparation/training period! As an Insurance Sales Agent, you will begin with an already existing book of business and have the exciting opportunity to grow the business through your work and dedication. Are you passionate about serving the under-served? This career could be for you! Our Agents gain personal satisfaction and prestige in the community by performing meaningful work to help our clients protect the ones they love and the things they own. With a pay for performance compensation model, Agents have a chance to write their own paycheck with increasing income opportunity as skills and knowledge grow. Superior performance is recognized through awards, prizes, and trips. Benefits: Kemper offers competitive benefits including Group Life Insurance, Major Medical & Dental, Short-term & Long-term disability, 401(k) with company match, Paid Vacation, Employee Stock Purchase Program. Responsibilities: Agents are set up for success by being assigned a territory (called an agency) with an established book of in-force business. Day to day activities: Conducting sales presentations, recommending products, closing sales, and using our Customer Care Sales Model Continuously prospecting for sales opportunities Collecting premiums from policyholders, based on a pre-arranged schedule Responding promptly to policyholder service requests such as beneficiary changes, claims, loans, etc. Appropriately keeping records, accounting for money collected, and processing paperwork Our agents are expected to: Increase the agency size Build strong working relationships with customers Devote whatever time is necessary to fulfill the responsibilities of the position Commit to ongoing development of knowledge and skills Minimum qualifications: Customer service experience The ability to visit customers and prospects door-to-door Must be at least 18 years of age Valid driver’s license with 100k/300k auto insurance coverage Dependable vehicle as daily travel is required Ability to pass a background check, motor vehicle report check and drug screening Authorized to work in the United States Preparation: Licensing –We provide assistance and guidance to those who are preparing to sit for licensing exams. Basic Training – New agents complete a basic development program that includes self-study, classroom time, role-play, and extensive fieldwork. On-the-job training allows new agents to earn a paycheck while learning their profession Opportunity is knocking. Don’t let it pass you by! Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee. Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it.

NOW IS THE BEST TIME TO JOIN FULL-TIME REMOTE COMPLETELY WORK FROM HOME ALL BENEFITS REPRESENTATIVES START AT ENTRY LEVEL AND MOVE UP! Suggested schedule of success to get you paid EACH WEEK! GLOBE LIFE: AO is looking for an entry level insurance benefits agent who is searching for an opportunity to help our members protect their families. AIL is one of the nation's significant providers of supplemental life and health insurance to labor unions, credit unions, and associations. We cover more than 2 million policy holders and represent more than $130 million in annual insurance product sales. AIL's growth is sustained through high customer satisfaction, innovative lead programs, customer referrals, and a competitive compensation program. JOB BENEFITS: Full training provided 100% work from home Competitive compensation Paid weekly along with earned bonuses Career advancement opportunities Company benefits Value a healthy work-life balance RESPONSIBILITIES: Respond to client requests for coverage while representing their best interests. Create and explain individualized policies via our "Needs Analysis" system. Train others to learn our programs. Work and learn from management teams to stay up to date on new products, services, and policies. QUALIFICATIONS: No skills needed! We will help shape you into an incredible entry level benefits agent!

The Ed Napleton Automotive Group is looking for our next Automotive Finance & Insurance Manager . This is an exciting opportunity in a growing, fast-paced industry. Located at Valley Hyundai/Genesis, the Automotive Finance and Insurance Manager makes credit decisions, submits deals to our lenders for approval and helps bridge disconnects in the sales process. With your background in automotive sales or finance, you’ll find the right finance and insurance products for every customer, no matter what their situation. Take advantage of this rare opportunity to join one of the country’s largest and most successful automotive dealership groups and Apply Today! The Ed Napleton Automotive Group is affiliated with over 25 brands of new vehicles and 50+ dealerships throughout seven states. Our strength comes from the more than 3,500 employees nationwide. We are currently one of the largest automotive groups in the country, providing incredible growth opportunity. What We Offer: Potential Pay plan ranges between $150,000-$300,000 per year . This includes incentive-based pay, so your skills and effort drive your income. Family Owned and Operated – 90+ years in business! Medical, Dental, Vision Insurance, 401k For additional benefit information please go to: NapletonCorpFlorida.MyBenefitsLibrary.com Paid Vacation and Sick Time Paid Training Discounts on products, services, and vehicles Job Responsibilities: Welcome customers to the store and transition them from Sales to Finance during their vehicle purchase process Work directly with our employees and customers to develop relationships Determine customer financing needs and payment options based on a consultative interview process Present a fully transparent pricing menu to customers detailing their financing options and products Process finance transactions and ensure 100% compliance with all state and federal laws and regulations Follow up with customers to ensure satisfaction Build rapport with customers to create a base of referrals Set and achieve targeted sales goals Gain superior product knowledge to effectively help customers Ensure that all administrative processes are handled in a timely fashion and in compliance with company policy Provide an exceptional customer experience to drive loyalty Other duties as assigned by management Job Requirements: High school diploma or equivalent Proven ability to provide an exceptional customer experience Ability to set and achieve targeted goals Highly detail-oriented and organized Prior Automotive Sales or F & I experience preferred Demonstrated communication, consultative, interpersonal, and organizational skills Experience and desire to work with technology Valid in-state driver’s license and an acceptable, safe driving record Willingness to undergo a background check and drug screen in accordance with local laws/ regulations. 18+ years of age or older to comply with the company driving policy We are an equal opportunity employer and prohibit discrimination/harassment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws

Company: Marsh McLennan Agency Description: Award-winning, inclusive, Top Workplace culture doesn’t happen overnight. It’s a result of hard work by extraordinary people. More than 15,000 of the industry’s brightest talent drive our efforts to deliver purposeful work and meaningful impact every day. Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement, and private client insurance solutions to organizations and individuals seeking limitless possibilities. With over 300 offices across North America, we combine the personalized service model of a local consultant with the global resources of the world’s leading professional services firm, Marsh McLennan (NYSE: MMC). We are looking for a Business Insurance Placement Specialist to market property/casualty insurance risks. A day in the life. Responsible for marketing the new business and renewal accounts Develop and maintain professional relationship with underwriters and brokers Understand the regulatory, legislative and legal issues surrounding critical business insurance situations, including understanding of marketplace and market conditions. Analyze the needs of clients’ risks to determine proper amounts and type of insurance coverage appropriate to treat those exposures. Evaluate insurance coverage available in the marketplace to recommend options to producers and account managers on existing accounts and new business. Negotiate with underwriters and brokers to achieve the most desirable combination of cost and coverage. Provide technical assistance to producers and account managers regarding policy forms and endorsements, rating plans, and risk retentions options. Review and evaluate losses, safety inspections and recommendations offered by insurance carriers. Utilize Agency Management System to track quotes in process and coverage bound and/or declined by carriers/brokers. Prepare proposal from the quotes received from the insurance company to be used by producers. Our future colleague: Current Florida 2-20 License or ability to obtain Minimum of 2 years commercial lines insurance experience, preferably in marketing capacity with established carrier relationships Working knowledge of Sagitta Agency Management System, or willingness to learn Possess good skills of persuasion and sales ability Valuable benefits. We value and respect the impact our colleagues make every day both inside and outside our organization. We’ve built a culture that promotes colleague well-being through robust benefit programs and resources, encourages professional and personal development, and celebrates opportunities to pursue the projects and causes that give colleagues fulfilment outside of work. Some benefits included in this role are: Generous time off, including personal and volunteering Health Insurance 401k Professional development opportunities Hybrid work Six week paid parental leave for the birth or adoption of a child Charitable contribution match programs Stock purchase opportunities To learn more about a career at MMA, check us out online: http://marshmma.com/careers or flip through our recruiting brochure: https://bit.ly/3Qpcjmw Follow us on social media to meet our colleagues and see what makes us tick: https://www.instagram.com/lifeatmma/ https://www.facebook.com/LifeatMMA https://www.linkedin.com/company/marsh-mclennan-agency/ Who you are is who we are. We embrace a culture that celebrates and promotes the many backgrounds, heritages and perspectives of our colleagues and clients. We are always seeking those with ethics, talent, and ambition who are interested in joining our client-focused teams. Marsh McLennan and its affiliates are EOE Minority/Female/Disability/Vet/Sexual Orientation/Gender Identity employers. #MMABI #MMABOU

We are a family run business that started in 1973. We pride ourselves in making each employee's experience special and worthwhile. At McCluskey Chevrolet, you'll have the opportunity to drive your career to new heights or simply enjoy your work experience at your own pace. We have a supportive, team-oriented environment. We are an INDEPENDENT AGENCY servicing customers nationwide. RESPONSIBILITIES: As a Customer Service Agent your main responsibility will be to grow customer loyalty and keep agency retention at or above 95% Grow and maintain best in class customer relationships from the initial sale or call and throughout their experience at McCluskey Full Time - Monday to Friday - Possible Saturdays Gather and analyze key information to help clients find the most discounts and best coverage options Cross Sell existing clients to help find the right insurance solutions and to maximize all policy discounts Assist the personal lines renewal process to discuss existing and new policy opportunities Best in class support of all customers on incoming and out-going calls. Professionally handle II billing renewal and new business request promptly Answer phones, handle billing issues, renewals etc. WE’RE LOOKING FOR A SELF-STARTER WHO MEETS THE FOLLOWING QUALIFICATIONS: 2 years of successful personal lines sales experience P&C Insurance license for OH Proficiency to multi-task, follow-thru and follow-up Excellent communication/people skills Confidence and ability to take initiative Ability to work independently within a team HERE’S HOW WE TAKE CARE OF YOU (AND YOUR LOVED ONES): Medical, dental, and vision benefits Voluntary benefits available Paid time off Paid company holidays 401(k) with conditional employer match Growth potential Automotive discounts IF YOU ARE QUALIFIED, YOU WILL BE CONSIDERED FOR THIS POSITION: An Equal Employment Opportunity/Affirmative Action Employer M/F/D/V. Only qualified individuals (those who meet the fundamental qualifications) will be considered as applicants for this position. Applications will be accepted for a minimum of 3 business days from the date of the initial posting. McCluskey Chevrolet will not discriminate against persons because of their disability, including disabled veterans, and will make reasonable accommodations for known physical or mental limitations of qualified employees and applicants with disabilities. If you are interested in applying and require special assistance or accommodations due to a disability, please contact our Human Resources department. McCluskey Chevrolet participates in E-Verify. This employer will provide the Social Security Administration (SSA) and, if necessary, the Department of Homeland Security (DHS) with information from each new employee’s Form I-9 to confirm work authorization.

Due to the rapid expansion of our company, we are looking to hire new associates to our customer service team. Our company works with 45,000 union workers in California who require personal customer care. As a result of the increased demand of our client base, we are looking for highly motivated workers to counsel and serve working families. However, our service team is selective. We are looking for qualified candidates who have experience in customer service or sales, and are also flexible, adaptable and trainable. This is a full time position. WHO WE MARKET TO : We specialize in life insurance to protect different areas for the family with average income and health. We have too many requests for insurance through our niche market but not enough agents to help fill these requests. HOW WE GET PAID: Yes, this is commissions only! The commission schedule is designed to help you make money ASAP! You could be paid within a week of writing your first policy. Our average sale nationwide is for $1,000 in annual premium with 2 bonus structure associates are earning $600 just for one sale. TRAINING WE PROVIDE : We have made it so you can sell a policy in quickly. We provide you with all the training you will need on our carriers, products, sales scripts. Our job is to help you make money! Want to grow an agency? We can help you achieve that within months! NOT LICENSED? No Problem. We have many resources available to you to help get you started. Minimum requirements for consideration: Great Work Ethic Positive Attitude Outgoing Personality Ambitious Benefits Includes Health Insurance reimbursement Life insurance Bonuses Retirement Plan Weekly pay

NOW IS THE BEST TIME TO JOIN FULL-TIME REMOTE COMPLETELY WORK FROM HOME ALL BENEFITS REPRESENTATIVES START AT ENTRY LEVEL AND MOVE UP! Suggested schedule of success to get you paid EACH WEEK! GLOBE LIFE: AO is looking for an entry level insurance benefits agent who is searching for an opportunity to help our members protect their families. AIL is one of the nation's significant providers of supplemental life and health insurance to labor unions, credit unions, and associations. We cover more than 2 million policy holders and represent more than $130 million in annual insurance product sales. AIL's growth is sustained through high customer satisfaction, innovative lead programs, customer referrals, and a competitive compensation program. JOB BENEFITS: Full training provided 100% work from home Competitive compensation Paid weekly along with earned bonuses Career advancement opportunities Company benefits Value a healthy work-life balance RESPONSIBILITIES: Respond to client requests for coverage while representing their best interests. Create and explain individualized policies via our "Needs Analysis" system. Train others to learn our programs. Work and learn from management teams to stay up to date on new products, services, and policies. QUALIFICATIONS: No skills needed! We will help shape you into an incredible entry level benefits agent!

Company: Marsh McLennan Agency Description: Our not-so-secret sauce. Award-winning, inclusive, Top Workplace culture doesn’t happen overnight. It’s a result of hard work by extraordinary people. More than 11,000 of the industry’s brightest talent drive our efforts to deliver purposeful work and meaningful impact every day. Learn more about what makes us different and how you can thrive as a Commercial Lines Senior A ccount Manager at McGriff , a division of Marsh McLennan Agency (MMA). MMA provides business insurance, employee health & benefits, retirement, and private client insurance solutions to organizations and individuals seeking limitless possibilities. With 200 offices across North America, we combine the personalized service model of a local consultant with the global resources of the world’s leading professional services firm, Marsh McLennan (NYSE: MMC). ESSENTIAL DUTIES AND RESPONSIBILITIES Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. Build and maintain key client and carrier relationships by phone, email, and in person. Assist assigned clients and staff with service questions related to administration, billing, claims issues, and problem solving, upon request. Continually seek cross-sell opportunities and suggest new lines of coverage. Work with Producer and/or Marketing Account Executive, if applicable, to monitor and manage the renewal process for assigned clients. Coordinate meeting with client and/or Producer to present the renewal and supporting documents to gain acceptance of the renewal or commitment to go to market for alternative options. Lead the marketing of accounts as requested by Producer and/or Marketing Account Executive, if applicable. Prepare marketing information or provide required information to a marketing person. As appropriate, present the options to the client. Complete the implementation process; prepare and deliver all applicable forms to client. Formulate a plan with Producer to conduct relationship management meetings and/or visits with assigned clients. Proficient in the client management system(s), specifically to update policies that are written or renewed, log activities to document client meetings, carrier follow-up, service issues, establish follow-up date and daily manage follow up in client management system(s). Also, understand how to use the system to acquire information to assist clients. Attend seminars, classes, and carrier meetings to keep abreast of new products available for clients and acquire expertise in legislative changes, as opportunities occur. Mentor team members. Other duties and responsibilities as requested by management. QUALIFICATIONS Required Qualifications: The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's degree or equivalent education and related training. Five years of relevant insurance industry experience. Appropriate insurance license(s). Strong client relation skills to build and maintain positive business relationships with clients and market contacts; including excellent communication skills and service orientation, cooperative nature, and tactfulness to resolve client and company problems. Ability to utilize leadership skills by providing direction, constructive feedback, development and training while additionally being able to motivate others to maximize productivity and team morale. Demonstrate proficiency in basic computer applications, such as Microsoft Office Suite. Ability to travel, occasionally overnight. Preferred Qualifications: Advanced degree. Certification in field of endeavor. Experience with Requests for Proposal. Valuable benefits. We value and respect the impact our colleagues make every day both inside and outside our organization. We’ve built a culture that promotes colleague well-being through robust benefit programs and resources, encourages professional and personal development, and celebrates opportunities to pursue the projects and causes that give colleagues fulfilment outside of work. Some benefits included in this role are: Generous time off, including personal and volunteering Tuition reimbursement and professional development opportunities Hybrid Work Charitable contribution match programs Stock purchase opportunities To learn more about McGriff, a division of Marsh McLennan Agency, check us out online: https://www.mcgriff.com/ For more information on careers, visit: http://marshmma.com/careers or flip through our recruiting brochure: https://bit.ly/3Qpcjmw Follow us on social media to meet our colleagues and see what makes us tick: https://www.linkedin.com/company/mcgriff https://www.linkedin.com/company/marsh-mclennan-agency https://www.instagram.com/lifeatmma/ https://www.facebook.com/LifeatMMA https://twitter.com/marsh_mma Who you are is who we are. We embrace a culture that celebrates and promotes the many backgrounds, heritages and perspectives of our colleagues and clients. We are always seeking those with ethics, talent, and ambition who are interested in joining our client-focused teams. Marsh McLennan and its affiliates are EOE Minority/Female/Disability/Vet/Sexual Orientation/Gender Identity employers. #MMAMCG

We are so excited you are interested in our Administrative Assistant – Finance and Insurance opportunity! Premier Truck Group is proud to be an essential business throughout the Coronavirus pandemic, allowing for the sustained employment of our employees while keeping health and safety a top priority. We continually re-evaluate and improve procedures on an on-going basis to ensure we are up to date with practices that support today’s changing environment. Winners Work Here! Premier Truck Group is proud of the diversity that comprises our winning team. We see the equality and inclusiveness amongst our team members as our ultimate tool in moving our organization and industry forward. Who is Premier Truck Group? Premier Truck Group is headquartered in Dallas, Texas, with nearly 40 locations throughout the US and Canada, making it the largest Freightliner dealer group in North America. We offer a premium selection of new Freightliner and Western Star commercial vehicles, a large selection of previously owned commercial trucks, and a full suite of parts, maintenance, and repair services. When you build your career here, you make a commitment to being the very best in the business. We are the pre-eminent group of Freightliner truck dealerships in the nation with serious plans for the future and we want you to be a part of it. Why Join Our Winning Team? When you join our team, you’re rewarded with the opportunity work for an organization that provides opportunities for career growth and advancement, tailored to individual performance, experience and interests, along with a fully comprehensive benefits package including: Employee Discounts Medical, Dental, and Vision Insurance Life Insurance Employee Assistant Programs Paid Holidays and Paid Time Off 401k Plan with Employer Match Training Work-Life Balance Here are some quick insights into this opportunity. We would love to discuss it with you in more detail! Administrative Assistant – Finance & Insurance Responsibilities: Log and process credit applications (including follow up information). Assist in financing of commercial vehicles, extended warranty contracts, and insurance products. Understand of all Finance and Insurance Products. Manage sales programs available and provide information within CRM. Communicate with the sales peers and management on regarding credit decisions and deal status. Manage the contract funding process with lenders. Assist in titling work per state guidelines Following up with customers daily Perform all other duties as assigned. Provide outstanding customer service. Administrative Assistant – Finance & Insurance Requirements: Strong customer service skills Strong administrative skills Self-motivation, customer driven, and success oriented An eager, outgoing personality Desire to work with people and Team player Prior administrative experience is preferred A valid driver’s license required Bilingual Preferred Ready to Join? Apply now to learn more about what Premier Truck Group has to offer! Premier Truck Group is an equal opportunity employer. IND-Admin

Due to the rapid expansion of our company, we are looking to hire new associates to our customer service team. Our company works with 45,000 union workers in California who require personal customer care. As a result of the increased demand of our client base, we are looking for highly motivated workers to counsel and serve working families. However, our service team is selective. We are looking for qualified candidates who have experience in customer service or sales, and are also flexible, adaptable and trainable. This is a full time position. WHO WE MARKET TO : We specialize in life insurance to protect different areas for the family with average income and health. We have too many requests for insurance through our niche market but not enough agents to help fill these requests. HOW WE GET PAID: Yes, this is commissions only! The commission schedule is designed to help you make money ASAP! You could be paid within a week of writing your first policy. Our average sale nationwide is for $1,000 in annual premium with 2 bonus structure associates are earning $600 just for one sale. TRAINING WE PROVIDE : We have made it so you can sell a policy in quickly. We provide you with all the training you will need on our carriers, products, sales scripts. Our job is to help you make money! Want to grow an agency? We can help you achieve that within months! NOT LICENSED? No Problem. We have many resources available to you to help get you started. Minimum requirements for consideration: Great Work Ethic Positive Attitude Outgoing Personality Ambitious Benefits Includes Health Insurance reimbursement Life insurance Bonuses Retirement Plan Weekly pay

Location(s) Baltimore, Maryland Details Kemper is one of the nation’s leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper’s products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises. Role: Life Insurance Sales Agent Employment Type: Full Time Work Arrangement: Field Role Career and Opportunity: Kemper is a diversified insurance holding company. We are firmly committed to servicing the insurance needs of modest-income families. Our strength lies within our dedication to frequent personal visits with our customers in their homes for premium collection and other service needs. You’ll start with a paid license preparation/training period! As an Insurance Sales Agent, you will begin with an already existing book of business and have the exciting opportunity to grow the business through your work and dedication. Are you passionate about serving the under-served? This career could be for you! Our Agents gain personal satisfaction and prestige in the community by performing meaningful work to help our clients protect the ones they love and the things they own. With a pay for performance compensation model, Agents have a chance to write their own paycheck with increasing income opportunity as skills and knowledge grow. Superior performance is recognized through awards, prizes, and trips. Benefits: Kemper offers competitive benefits including Group Life Insurance, Major Medical & Dental, Short-term & Long-term disability, 401(k) with company match, Paid Vacation, Employee Stock Purchase Program. Responsibilities: Agents are set up for success by being assigned a territory (called an agency) with an established book of in-force business. Day to day activities: Conducting sales presentations, recommending products, closing sales, and using our Customer Care Sales Model Continuously prospecting for sales opportunities Collecting premiums from policyholders, based on a pre-arranged schedule Responding promptly to policyholder service requests such as beneficiary changes, claims, loans, etc. Appropriately keeping records, accounting for money collected, and processing paperwork Our agents are expected to: Increase the agency size Build strong working relationships with customers Devote whatever time is necessary to fulfill the responsibilities of the position Commit to ongoing development of knowledge and skills Minimum qualifications: Customer service experience The ability to visit customers and prospects door-to-door Must be at least 18 years of age Valid driver’s license with 100k/300k auto insurance coverage Dependable vehicle as daily travel is required Ability to pass a background check, motor vehicle report check and drug screening Authorized to work in the United States Preparation: Licensing –We provide assistance and guidance to those who are preparing to sit for licensing exams. Basic Training – New agents complete a basic development program that includes self-study, classroom time, role-play, and extensive fieldwork. On-the-job training allows new agents to earn a paycheck while learning their profession The compensation for the role is fully commissioned based. Opportunity is knocking. Don’t let it pass you by! Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee. Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it.

Location(s) Bruce, Mississippi Details Kemper is one of the nation’s leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper’s products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises. Role: Life Insurance Sales Agent Employment Type: Full-Time Work Arrangement: Field Role Career and Opportunity: Kemper is a diversified insurance holding company. We are firmly committed to servicing the insurance needs of modest-income families. Our strength lies within our dedication to frequent personal visits with our customers in their homes for premium collection and other service needs. You’ll start with a paid license preparation/training period! As an Insurance Sales Agent, you will begin with an already existing book of business and have the exciting opportunity to grow the business through your work and dedication. Are you passionate about serving the underserved? This career could be for you! Our Agents gain personal satisfaction and prestige in the community by performing meaningful work to help our clients protect the ones they love and the things they own. With a pay-for-performance compensation model, Agents have a chance to write their own paycheck with increasing income opportunities as skills and knowledge grow. Superior performance is recognized through awards, prizes, and trips. Benefits: Kemper offers competitive benefits, including Group Life Insurance, Major Medical & Dental, Short-term & Long-term disability, 401(k) with company match, Paid Vacation, and Employee Stock Purchase Program. Responsibilities: Agents are set up for success by being assigned a territory (called an agency) with an established book of in-force business. Day-to-day activities: Conducting sales presentations, recommending products, closing sales, and using our Customer Care Sales Model Continuously prospecting for sales opportunities Collecting premiums from policyholders based on a pre-arranged schedule Responding promptly to policyholder service requests such as beneficiary changes, claims, loans, etc. Appropriately keeping records, accounting for money collected, and processing paperwork. Our agents are expected to: Increase the agency size Build strong working relationships with customers Devote whatever time is necessary to fulfill the responsibilities of the position Commit to ongoing development of knowledge and skills Minimum qualifications: Customer service experience The ability to visit customers and prospects door-to-door Must be at least 18 years of age Valid driver’s license with 100k/300k auto insurance coverage Dependable vehicle as daily travel is required Ability to pass a background check, motor vehicle report check, and drug screening Authorized to work in the United States Preparation: Licensing –We provide assistance and guidance to those who are preparing to sit for licensing exams. Basic Training – New agents complete a basic development program that includes self-study, classroom time, role-play, and extensive fieldwork. On-the-job training allows new agents to earn a paycheck while learning their profession. Opportunity is knocking. Don’t let it pass you by! Kemper is proud to be an equal-opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status, or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee. Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it.

Ability to sell through multiple insurance carriers Access to sell to our millions of AAA members for preferred lead generation Company paid incentive trips for top performers Sales focused with a dedicated Customer Service & Policy Retention teams Opportunity to build your book and make renewal income What we can offer you : A competitive base salary, plus unlimited monthly commission opportunity 3+ weeks of Paid Time Off – rollover and buyout options available 8 Paid Holidays 401(k) plan with employer match up to 7% (Traditional and Roth available) Medical, Dental, Vision and Prescription coverage FREE AAA membership (inclusive of product & service discounts) FREE Life Insurance The primary duties of the Insurance Sales Agents are: Identify customer needs and recommend appropriate insurance products. Offering an array of personal lines, small commercial and life insurance products Establish strong customer and community relationships to help develop additional leads and referrals Maintain partnerships with insurance company representatives and underwriters Minimum Qualifications: This is an in-office position. Candidates must reside within a commutable distance from Southington, CT 2+ years of experience in a sales environment meeting set metrics Experience in networking and prospecting to generate your own leads Ability to obtain a Property and Casualty License and Life License within 60 days of hire Ability to learn new computer programs & multi-task ACA is an equal opportunity employer and complies with all applicable federal, state, and local employment practices laws. At ACA, we are committed to cultivating a welcoming and inclusive workplace of team members with diverse backgrounds and experiences to enable us to meet our goals and support our values while serving our Members and customers. We strive to attract and retain candidates with a passion for their work and we encourage all qualified individuals to apply. It is ACA’s policy to employ the best qualified individuals available for all positions. Hiring decisions are based upon ACA’s operating needs, and applicant qualifications including, but not limited to, experience, skills, ability, availability, cooperation, and job performance. Job Category: Insurance

It’s a great time to join AAA The Auto Club Group! JOIN THE TEAM COMMITTED TO DRIVING YOUR CAREER FORWARD Job Type: Full time Exempt/Non Exempt: Salary Job Description: Why Choose a Career with the AAA The Auto Club Group (ACG) · Established brand that has been around for over 100 years. Our members know and trust us! · Field Agents receive 100% backing from one of America’s most trusted brands to include paid training · LEADS o Local branch offices present a unique dynamic for selling § Opportunity to generate new prospects through walk-in traffic in local AAA branches from Travel/Car Care/Life o Access to AAA Membership data base of 14+ million members o Attend AAA-The Auto Club Group Branded Events and generate new prospects § Registration and giveaways covered by AAA-The Auto Club Group Excellent opportunities to build a career path: Pursue corporate leadership roles in the Distribution channel or elsewhere in the organization, such as: · Field Sales Leadership · Learning & Development · Underwriting · Claims · Pricing & Product Development · Marketing A DAY IN THE LIFE of a Insurance Sales Producer The Auto Club Group is seeking Insurance Sales Producers who can generate new sales, retain existing members and grow ACG’s overall book of business through our multiple product offerings. You will be challenged to drive new business with competitive products and help retain The Auto Club Groups 14+ million members. · Prospect AAA leads and close Insurance sales · Sell various types of personal lines of insurance such as Auto, Home and Life while developing synergy with other AAA businesses to succeed as a team · Manage the entire sales process to ensure proper product and service delivery · Interact with policyholders to explain coverage, suggest additions or changes, and review portfolio in detail. · Dedication to delivering a superior customer service experience while developing new business relationships and maintaining current AAA relationships What it’s like to work for The Auto Club Group: · Serve our members by making their satisfaction our highest priority · Do what’s right by sustaining an open, honest and ethical work environment · Lead in everything we do by offering best-in-class products, benefits and services · ACG values our employees by seeking the best talent, rewarding high performance and holding ourselves accountable HOW WE REWARD OUR EMPLOYEES Average earnings $57,000- $85,000 Base annual salary $42,000 (plus commission and bonus opportunities) ACG offers excellent and comprehensive benefits packages: · Medical, dental and vision benefits · 401k Match · Paid parental leave and adoption assistance · Paid Time Off (PTO), company paid holidays, CEO days, and floating holidays · Paid volunteer day annually · Tuition assistance program, professional certification reimbursement program and other professional development opportunities · AAA Membership · Discounts, perks, and rewards and much more WE ARE LOOKING FOR CANDIDATES WHO Required Qualifications: · Current Property & Casualty Insurance license · Current Life Insurance Sales license · Valid driver’s license – with satisfactory MVR · Must qualify, obtain, and maintain all applicable state licenses and appointments required for selling and/or servicing Auto Club Group Membership products · Obtain Health and Accident licenses and appointments where applicable as deemed necessary and within a time frame established by the Business Unit · Availability to work Monday-Friday 8:30am – 6:00 pm, with rotating Saturdays from 10:00 am- 4:00 pm Education/License · High School diploma or equivalent Work Experience · 1+ year(s) of sales or customer service experience Successful candidates will possess: · Strong sales skills with a history of effectively developing, tracking, following up on and closing leads · Advanced consultative selling techniques utilizing thorough product knowledge · Strong phone sales and prospecting skills · Excellent verbal and written communication skills combined with strong customer focus · Ambition, motivation and drive · Knowledge of desktop systems including, but not limited to, Microsoft Office software applications · Excellent listening skills and ability to understand customer needs Work Environment Employees will service ACG members in-person and are based on site in an ACG branch facility. Who We Are Become a part of something bigger. The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America. By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance. And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other. We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger. To learn more about AAA The Auto Club Group visit www.aaa.com Important Note: ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level. The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements. The Auto Club Group, and all its affiliated companies, is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status. Regular and reliable attendance is essential for the function of this job. AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.

Empowered to live. Inspired to work. Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally. How we support you: Hybrid model – up to 50% work from home Flexible schedules including ample flexibility in the summer months Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match) Benefits: medical, dental, vision, HSA/FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off Learning and development programs Mentorship programs Cross-functional committee opportunities (i.e. Inclusion Council, emerging professional groups, etc.) Professional membership/certification reimbursement and more! Casual/seasonal & intern team members are not eligible for benefits except for state-mandated programs. To learn more about Compeer Financial visit www.compeer.com/careers . This position offers a hybrid work option up to 50% remote and is based out of the Baldwin, WI office location. The contributions you will make: This position assists in supporting the servicing, processing and sales support for insurance products. A typical day: Data Entry Enters information accurately into the AIP (Approved Insurance Provider) systems (applications, endorsements, acreage reports and production reports) prior to each deadline. Provides pre-keyed source documents to sales team prior to client approval Provides resulting documents for review and distribution to client. Indexes documents as they come into OnBase, claims inbox. Enters data into Salesforce as necessary. Enters claims into Approved Insurance Provider system. Client Service Assists clients and sales team with gathering and completion of required documents for insurance coverage including, but not limited to applications, acreage reports, production reports, etc. Assists the Crop Insurance Sales Team with questions regarding policies via phone, email and jabber. Reviews documents submitted from agents for accuracy and quality control ensuring they are Risk Management Agency (RMA), Approved Insurance Provider (AIP) and Compeer compliant. Ensures the client file is up-to date and accurate. Assists Crop Insurance Sales Team with Compeer crop insurance internal processes, procedures, and projects. Uses Service Now to facilitate Crop Insurance Sales Team questions. Office Support Prepares and delivers documents (applications, acreage reports, production reports) for crop insurance sales team to grow the business and use in client meetings. Prints and highlights insurance documents to assist sales team with client mailings. Assists other departments as needed to meet the needs of the organization. Scans completed crop insurance documents into document management system. Product and System Knowledge and Expertise Maintains a comprehensive understanding of crop insurance products available through Compeer Financial and all related FCS eligibility regulations. Remains current on product details and program changes. Maintains expertise to ensure RMA guidelines and Compeer best practices are being met on all product lines. Assists with mentoring interns. The skills and experience we prefer you have: High School Diploma or equivalent required; Associate’s Degree in business administration, finance, economics, agriculture or other related field, preferred; or an equivalent combination of education and experience to perform the essential functions of the job. Must have a valid crop insurance license or obtain one within three months from the time of hire. Minimum of 1 year of experience in insurance or Ag related field. Proficient in a minimum of 2 AIP systems. Basic agricultural knowledge. General knowledge of crop insurance programs and information Strong listening, written and verbal communication skills, with ability to communicate at all levels of the organization. High degree of accuracy, attention to detail, organizational and time management skills. Strong computer skills, including MS Office applications and customer relationship management (CRM) programs. Ability to work independently and collaboratively with other teams to achieve goals and represent the business. Strong client service skills. Ability to meet strict non-negotiable deadlines. Valid driver’s license. #IND200 How we will take care of you: Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits. Base Pay $41,300 - $58,700 USD Compeer Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time.