Emerald card handr block loan advance

Emerald card handr block loan advance


Emerald card handr block loan advance style=

H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. How to qualify for the H&R Block Christmas Loan 2019. The H&R Block Emerald Advance ® offers consumers the ability to repeatedly borrow and repay money, with one of the key benefits being that they pay only the interest charges on the amount borrowed. The maximum credit limit for individual applicants is determined by the bank after the ... Oct 26, 2016 · SIOUX FALLS, S.D., Oct. 26, 2016 (GLOBE NEWSWIRE) -- Meta Financial Group, Inc.’s (NASDAQ:CASH) bank subsidiary, MetaBank ®, has entered into an agreement with certain H&R Block entities to ... Jan 3, 2023 · We understand the impact any delay of your refund may have on your finances, and that’s why we offer the Refund Advance loan109. With this interest-free loan on your tax refund, you can apply and if approved, get up to $3,500 within minutes of filing your taxes with H&R Block. There’s even a way you can apply using digital drop off – we ... Jan 24, 2022 · H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. The H&R Block Emerald Advance is a year-round line of credit. With it, you can borrow and repay between $300 and $1000 as many times as you need, depending on bank approval. For 2015, the line of credit will be available starting November 23, 2015. If you're approved, the money will be put onto an H&R Block Emerald Prepaid MasterCard. Jan 3, 2023 · The H&R Block Emerald Refund Advance offers tax refund advance loans. You must have at least $1,000 in expected refunds to qualify. Loan amounts range from $250 to $3,500. In most situations, you can expect your money to be available on your H&R Block Emerald Prepaid Mastercard on the same day. Then you have the option of transferring these ... We understand the impact any delay of your refund may have on your finances, and that’s why we offer the Refund Advance loan109. With this interest-free loan on your tax refund, you can apply and if approved, get up to $3,500 within minutes of filing your taxes with H&R Block. There’s even a way you can apply using digital drop off – we ...H&R Block Emerald Advance® You could get a line of credit up to $1,000. ^ Emerald Advance℠ is no longer available in tax offices for this season. Make tax appointment Here’s how Emerald Advance℠ works. Application period open from Nov. 15, 2022 through Jan. 7, 2023. H&R Block / HRB Digital review: Emerald advance 47. L. lizk606 of Harlan, US. Nov 24, 2008 2:36 pm EST. Review updated: Nov 22, 2022. Resolved. Featured review. THIS BLOWS! i always have done my taxes at h&r block! and since they started the emerald advance it has really helped out during the holidays! now they so a credit check! thanks to the ...H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. H&R Block’s Emerald advance loan is being offered in amounts of $500, $750, $1,250, and $3,500. Some taxpayers depend on their tax refunds to manage the bills, credit card payments, and unexpected expenses. The Emerald Refund Advance, a no-interest loan with no finance charges or other hidden fees, was introduced to help them.With a Refund Advance loan offered at H&R Block (NYSE:HRB), approved clients can access up to $3500 with 0% interest the same day they file their tax return. “Too many Americans are struggling to make ends meet,” said Les Whiting, H&R Block’s chief financial services officer. “We are here to help them get money quickly when they file ...Mar 31, 2019 · The interest rate is 14.5%. There is a Late and other charges”””” of 125.13. (husband will have to call to see what that’s for) This was supposed to be a five year contract. We have made ... H&R Block Emerald Card stimulus payment information. Emerald Card clients can receive stimulus updates by logging into MyBlock or by calling 1-866-353-1266 and entering the last four digits of their Emerald Card account. MyBlock will only reflect a status once the payment has been issued.Jan 3, 2023 · H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. May 21, 2021 · H&R Block Emerald Card stimulus payment information. Emerald Card clients can receive stimulus updates by logging into MyBlock or by calling 1-866-353-1266 and entering the last four digits of their Emerald Card account. MyBlock will only reflect a status once the payment has been issued. Wow. I did the emerald advance Jan 5th 2022 and Got approved same day few minutes later for $1,250. It went onto the card asap. My refund didn't come in until Feb 24th 2022. I was only taxed the $200 it cost to file my taxes and $35fee for refund advance transfer. I wasn't charged excess in interest. I wonder how my situation differs from yours? Trying to sign you in. Cancel. Terms of use Privacy & cookies... Privacy & cookies... “” Auto loans for project car? i want to start my project car. i have a bank account with bank of america. debit and credit. i was wondering if i can get an auto loan for about $5000 to start ...H&R Block Emerald Card stimulus payment information. Emerald Card clients can receive stimulus updates by logging into MyBlock or by calling 1-866-353-1266 and entering the last four digits of their Emerald Card account. MyBlock will only reflect a status once the payment has been issued.Oct 26, 2016 · SIOUX FALLS, S.D., Oct. 26, 2016 (GLOBE NEWSWIRE) -- Meta Financial Group, Inc.’s (NASDAQ:CASH) bank subsidiary, MetaBank ®, has entered into an agreement with certain H&R Block entities to ... H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply.Nov 28, 2010 · The fees you will have to pay include: $45 annual fee for the first year, applied on the day the Emerald Advance is opened, and $30 a year after that. 36% Annual Percentage Rate (APR) – Finance charge assessed on the amount drawn from your Emerald Advance. 36% APR applies during promotional period and for unsecured lines of credit. Jan 3, 2023 · We understand the impact any delay of your refund may have on your finances, and that’s why we offer the Refund Advance loan109. With this interest-free loan on your tax refund, you can apply and if approved, get up to $3,500 within minutes of filing your taxes with H&R Block. There’s even a way you can apply using digital drop off – we ... How to qualify for the H&R Block Christmas Loan 2019. The H&R Block Emerald Advance ® offers consumers the ability to repeatedly borrow and repay money, with one of the key benefits being that they pay only the interest charges on the amount borrowed. The maximum credit limit for individual applicants is determined by the bank after the ... Trying to sign you in. Cancel. Terms of use Privacy & cookies... Privacy & cookies... Learn about the H&R Block prepaid debit card and Emerald Advance today! H and R block Skip to ... it is not your tax refund. Loans are offered in amounts of $250 ...H&R Block Emerald Card Direct Deposit. There are many benefits of using H&R Block’s online products, including receiving your tax refund as a direct deposit on your H&R Block Emerald Prepaid Mastercard®. By taking advantage of H&R Block Emerald Card direct deposits, you’ll have a convenient and secure way to access your refund.H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. Emerald Advance is here to help. If approved, the H&R Block Emerald Advance ® line of credit provides you with the ability to repeatedly borrow and repay up to $1000. So whether you need a little extra cushion between paychecks, or help with unexpected car repairs, Emerald Advance line of credit has you covered year-round.Emerald Savings account features. With your H&R Block Emerald Prepaid Mastercard®. 110, make deposits and withdrawals from your Emerald Savings account. You can transfer funds between your Emerald Card® and Emerald Savings account by logging in at Emerald Card Online, or at an ATM. 117.H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. Nov 24, 2008 · H&R Block / HRB Digital review: Emerald advance 47. L. lizk606 of Harlan, US. Nov 24, 2008 2:36 pm EST. Review updated: Nov 22, 2022. Resolved. Featured review. THIS BLOWS! i always have done my taxes at h&r block! and since they started the emerald advance it has really helped out during the holidays! now they so a credit check! thanks to the ... May 21, 2021 · H&R Block Emerald Card stimulus payment information. Emerald Card clients can receive stimulus updates by logging into MyBlock or by calling 1-866-353-1266 and entering the last four digits of their Emerald Card account. MyBlock will only reflect a status once the payment has been issued. Get better with money. Get Spruce. Spruce is a mobile banking app to help you make the most of your tax refund, get paychecks up to two days early, 1 and earn cash back rewards at select retailers. No monthly fees. No sign-up fees. No minimum balance. No credit check to apply. Get started today See all features.Apr 14, 2021 · When to apply for Emerald Advance line of credit? Between Nov. 16, 2020 and Jan. 9, 2021 apply for an Emerald Advance line of credit — from a safe distance — in person. To apply, you can use a current pay statement and a driver’s license. If approved, you’ll get money loaded on an Emerald Card ®. Is the annual fee waived for Emerald ... Jan 3, 2023 · We understand the impact any delay of your refund may have on your finances, and that’s why we offer the Refund Advance loan109. With this interest-free loan on your tax refund, you can apply and if approved, get up to $3,500 within minutes of filing your taxes with H&R Block. There’s even a way you can apply using digital drop off – we ... May 3, 2022 · One of the main benefits of the Emerald card is the possibility of accessing tax refund advance loans. These types of loans are offered by financial institutions to customers who anticipate receiving a tax refund. H&R Block offers tax refund advance loans of up to $3,500. Unlike other similar companies, the loans come with 0% APR. .
Emerald advance line of credit 2015. H and r block emerald line of credit qualifications? What is line of credit available balance on the emerald card from h and r block? Emerald advance and bad credit. Can i keep my emerald card for a line of credit to help my credit score? What factors to look for if i qualified for any line of credit increase? H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply.H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply.With a Refund Advance loan offered at H&R Block (NYSE:HRB), approved clients can access up to $3500 with 0% interest the same day they file their tax return. “Too many Americans are struggling to make ends meet,” said Les Whiting, H&R Block’s chief financial services officer. “We are here to help them get money quickly when they file ...H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply.H&R BLOCK EMERALD PREPAID MASTERCARD ® The H&R Block Emerald Prepaid Mastercard® is a tax refund-related deposit product issued by Pathward, N.A., Member FDIC. Emerald Financial Services, LLC, an H&R Block entity, is the program manager for Pathward. *This fee can be lower depending on how and where this Card is used. No overdraft/credit feature. Child Tax Credit amounts will be different for each family. Your amount changes based on the age of your children. The payment for children: Ages five and younger is up to $3,600 in total (up to $300 in advance monthly) Ages six to 17 is up to $3,000 in total (up to $250 in advance monthly) Your amount changes based on your income.Nov. – Jan. USE YOUR LINE OF CREDIT AND MAKE MONTHLY PAYMENTS. Draw available funds from your line of credit at www.hrblock.com/emeraldcard or downloadand log onto the MyBlock App. Each month, you’ll receive a monthly statement notifying you of your required minimum payment amount and due date.The H&R Block Emerald Advance is a year-round line of credit. With it, you can borrow and repay between $300 and $1000 as many times as you need, depending on bank approval. For 2015, the line of credit will be available starting November 23, 2015. If you're approved, the money will be put onto an H&R Block Emerald Prepaid MasterCard.H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply.H&R Block Emerald Card stimulus payment information. Emerald Card clients can receive stimulus updates by logging into MyBlock or by calling 1-866-353-1266 and entering the last four digits of their Emerald Card account. MyBlock will only reflect a status once the payment has been issued.Refund Transfer is a bank deposit product, not a loan. You can file your return and receive your refund without applying for a Refund Transfer. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. Fees apply. A qualifying expected tax refund and e-filing are required.Emerald Advance is here to help. If approved, the H&R Block Emerald Advance ® line of credit provides you with the ability to repeatedly borrow and repay up to $1000. So whether you need a little extra cushion between paychecks, or help with unexpected car repairs, Emerald Advance line of credit has you covered year-round.Feb 20, 2017 · Myth #3: You can’t use a prepaid debit card online. Sometimes cash won’t work – like when you’re shopping online or booking travel. Luckily, you may have the answer in your wallet if you have an H&R Block Emerald Prepaid MasterCard. The Emerald Card gives you the flexibility to shop on the Internet, and set your mind at ease, too. How much is the Emerald Advance 2020? If you’re looking to get it faster, H&R Block is offering a tax refund advance loan up to $3000. H&R Block’s Emerald advance loan is being offered in amounts of $500, $750, $1,250, and $3,000. Some taxpayers depend on their tax refunds to manage the bills, credit card payments, and unexpected expenses.Pathward powers financial inclusion for all and is committed to providing a path forward to people and businesses to reach the next stage of their financial journey. Focusing on banking as a service, corporate lending, and other financial services, Pathward brings the future of banking to all who want it by disrupting traditional banking norms. H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply.H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. Sep 16, 2017 · Benefits of Emerald Advance. You could have year-round access up to $1,000 Disclaimer number 126 . Scrolls to bottom of page., loaded on an H&R Block Emerald Prepaid MasterCard if approved. MAKING PAYMENTS IS EASY. Minimum monthly payment of $25 or 4% of the outstanding balance, if greater. Balance due in full by February 15, 2019. Pathward powers financial inclusion for all and is committed to providing a path forward to people and businesses to reach the next stage of their financial journey. Focusing on banking as a service, corporate lending, and other financial services, Pathward brings the future of banking to all who want it by disrupting traditional banking norms. Nov 23, 2015 · Emerald Advance is a tax refund-related credit product and Emerald Card is a tax refund-related deposit product. OBTP# B13696 ©2015 HRB Tax Group, Inc. About H&R Block H&R Block, Inc. (NYSE: HRB) is the world's largest consumer tax services provider. More than 680 million tax returns have been prepared worldwide by and through H&R Block since ... Nov 23, 2015 · Emerald Advance is a tax refund-related credit product and Emerald Card is a tax refund-related deposit product. OBTP# B13696 ©2015 HRB Tax Group, Inc. About H&R Block H&R Block, Inc. (NYSE: HRB) is the world's largest consumer tax services provider. More than 680 million tax returns have been prepared worldwide by and through H&R Block since ... H&R Block’s Emerald advance loan is being offered in amounts of $500, $750, $1,250, and $3,500. Some taxpayers depend on their tax refunds to manage the bills, credit card payments, and unexpected expenses. The Emerald Refund Advance, a no-interest loan with no finance charges or other hidden fees, was introduced to help them.Nov 30, 2021 · H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. Nov. – Jan. USE YOUR LINE OF CREDIT AND MAKE MONTHLY PAYMENTS. Draw available funds from your line of credit at www.hrblock.com/emeraldcard or downloadand log onto the MyBlock App. Each month, you’ll receive a monthly statement notifying you of your required minimum payment amount and due date.Jun 30, 2023 · June 30, 2023. H&R Block. After several months on hold due to a legal challenge, the U.S. Supreme Court has struck down the Biden-Harris Student Loan Forgiveness Plan. The decision sets off a series of financial considerations for millions of Americans who hold student loan debt. One big task for many will be to get ready for student loan ... Jan 26, 2022 · H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. Get quick access to short term credit year round with an H&R Block Emerald Advance® Line of Credit. hrblock.com. Emerald Advance® — Line of Credit — H&R Block® ...H&R Block’s Emerald advance loan is being offered in amounts of $500, $750, $1,250, and $3,500. Some taxpayers depend on their tax refunds to manage the bills, credit card payments, and unexpected expenses. The Emerald Refund Advance, a no-interest loan with no finance charges or other hidden fees, was introduced to help them.H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply.H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply.Get quick access to short term credit year round with an H&R Block Emerald Advance® Line of Credit. hrblock.com. Emerald Advance® — Line of Credit — H&R Block® ...See full list on americantaxservice.org Feb 7, 2022 · H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. Feb 20, 2017 · Myth #3: You can’t use a prepaid debit card online. Sometimes cash won’t work – like when you’re shopping online or booking travel. Luckily, you may have the answer in your wallet if you have an H&R Block Emerald Prepaid MasterCard. The Emerald Card gives you the flexibility to shop on the Internet, and set your mind at ease, too. The H&R Block Prepaid Emerald Mastercard is designed for consumers who want the convenience of paying with plastic but don’t want (or don’t qualify) for a regular credit card. Prepaid cards only allow you to spend money already in your account. So you can avoid interest payments, bounced checks, or overdraft fees. H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. May 21, 2021 · H&R Block Emerald Card stimulus payment information. Emerald Card clients can receive stimulus updates by logging into MyBlock or by calling 1-866-353-1266 and entering the last four digits of their Emerald Card account. MyBlock will only reflect a status once the payment has been issued. KANSAS CITY, MO-- (Marketwired - November 23, 2015) - The H&R Block Emerald Advance® (1), a year-round line of credit, is now available for qualified applicants who apply at participating H&R ...H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance SM, is subject to underwriting approval with available credit limits between $350-$1000. Fees apply. The H&R Block Prepaid Emerald Mastercard is designed for consumers who want the convenience of paying with plastic but don’t want (or don’t qualify) for a regular credit card. Prepaid cards only allow you to spend money already in your account. So you can avoid interest payments, bounced checks, or overdraft fees. (e) Card and Card Account Fees. List of all fees for H&R Block Emerald Prepaid Mastercard® All fees Amount Details Add money Fees of up to $4.95 may apply when reloading your Card Account at Cash reload $4.95 authorized retail reload providers. These fees may vary based on location and are assessed by the reload

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