Merck sharp and dohme login - Approximate number of employees. $12.2B. 2021 research & development investment. $3B. total giving in 2020. We are one company, but we operate under two different corporate brand names. We are known as Merck & Co., Inc., Rahway, New Jersey, USA in the United States, Canada & Puerto Rico. We are known as MSD everywhere else.

 
The four phases of clinical trials. Clinical trials require four phases, in addition to government review and approval, to ensure the treatment being studied is safe and effective. Each phase answers a different set of questions. See our infographic on how we take a research study from trial to treatment. Phase 1. . Atandt stores in my area

Click Here to browse the CURewards without signing in or registering. Login above for best experience!Mar 31, 2021 · Health Care. Whistleblower says FDA minimized safety risks at Merck vaccine plant The facility in Durham, N.C., is set to help produce Johnson & Johnson’s Covid-19 vaccine. Email: [email protected]. Phone: (215) 996-3700. Fax: (215) 996-3710. Outside Calling Region: (800) 86-MSDCU [800-866-7328] Monday-Friday: 9:00 a.m. - 5:00 p.m. Saturday: 9:00 a.m. - 12:00 p.m. We have changed our menu options, please listen carefully to the automated options when connecting with our courteous call center representatives who will ... Merck Sharp & Dohme (Australia) Pty Ltd. Level 1, 26 Talavera Road Macquarie Park, NSW 2113 AUSTRALIA AU- NON-00744 Last updated July 2023 ...Approximate number of employees. $12.2B. 2021 research & development investment. $3B. total giving in 2020. We are one company, but we operate under two different corporate brand names. We are known as Merck & Co., Inc., Rahway, New Jersey, USA in the United States, Canada & Puerto Rico. We are known as MSD everywhere else. IRA Service Center. MSDFCU encourages members to save for the future, including retirement. Individual Retirement Accounts (IRAs) are a great way to plan for future retirement as well as other long term goals. MSDFCU offers several IRA options visit our IRA Center to learn about, open or service and existing IRA. Visit IRA Center.Mobile Deposit is a FREE, secure, and safe service accessed through your mobile devices, such as a smartphone or tablet. Mobile Deposit lets you conveniently deposit checks and view your deposit history — without driving to a branch or mailing a check. It's simple, whether it's an unexpected gift, a refund, or a routine deposit, you can ...For any general enquiries relating to MSD in the United Kingdom, please contact us at: Mail:Merck Sharp & Dohme (UK) Limited120 Moorgate LondonEC2M 6UR Switchboard:0208 1548000 Email:[email protected] If our telephone lines are busy, please email us here to report an adverse event or product quality complaint. For other enquiries, please e-mail customer services. See below contact ...You Have Questions, We Have Answers. If you can't find the answer you need in the below sections, contact our member call center at 215-996-3700 and speak to someone who can help. Or visit our other Help Center pages; Videos and How-To.You Have Questions, We Have Answers. If you can't find the answer you need in the below sections, contact our member call center at 215-996-3700 and speak to someone who can help. Or visit our other Help Center pages; Videos and How-To.Login to the free online solution. To get started, call 215-996-3700 or stop in any branch to receive your activation code. Login to ClickSWITCH and in a few simple clicks, you’ll activate this secure online solution. Switch your direct deposits and automatic payments. Use your old account to automatically find and move all recurring transactionsOpen online, stop into any branch or call (215) 996-3700 with questions. Open an Account. Need a hand moving an account? Use our Switch Kit. Merck Sharp & Dohme FCU has made moving your accounts fast and convenient with our Online Switch Kit. Simply complete the forms, print them, and send them to the institutions with whom you would like to ...Please enter username and password, each no more than 64 characters in length. Please login using your username and password. Please note: Password is cAsE SeNsitiVeOur work in numbers. ~19.2K. people employed in research and development. $13.5B. invested in R&D in 2022.Contact us: 877.VAX.MERCK (877.829.6372) More contact optionsThe merger brought together Merck's extensive chemical research and manufacturing facilities with Sharp & Dohme's pharmaceutical development, marketing expertise and international presence. Sharp & Dohme's West Point, Pennsylvania facilities were included in the merger.28 Mar 2023 No recent reports of development identified for phase-I development in Sepsis in USA (IV, Infusion) 12 Jul 2022 Merck Sharp & Dohme completes a phase III trial in Pneumonia in Philippines, Brazil, France, Mexico, Romania, Russia and Ukraine (IV) (EudraCT2018-003202-82) (NCT03583333) 29 Sep 2021 Pharmacodynamics data from a ...MSD Animal Health. MSD Animal Health is a research-driven company that develops, manufactures and markets a broad range of veterinary medicines and services. We offer one of the industry’s most innovative portfolios, spanning products for the prevention, treatment and control of disease in all major farm and companion animal species.Merck Sharp & Dohme (New Zealand) Limited. Level 3, 123 Carlton Gore Road, Newmarket, Auckland. NZ-NON-00224 Last Updated February 2023 ...MERCK SHARP & DOHME CORP. v. ALBRECHT . ET AL. CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT . No. 17–290. Argued January 7, 2019—Decided May 20, 2019 . Petitioner Merck Sharp & Dohme Corp. manufactures Fosamax, a drug that treats and prevents osteoporosis in postmenopausal women. Home equity loans are subject to a $150 non-refundable application fee. Loan to Value (LTV) maximum is 90%. Estimated monthly payment per $1,000 borrowed at 5.24% APR is $18.98 for 5 years and at 5.49% APR is $14.37 or 7 years and at 5.74% APR is $10.97 for 10 years and at 6.49% APR is $8.71 for 15 years. Rate 0.50% higher for 81%-90% LTV. Sign In. Registered users enter your username and password. If you would like to register, click Register Now link below. Payments made after 6:30pm EST or on bank holidays and weekends will be processed on the next business day. For loan payoff information please contact the Member Services Team at (215) 996-3700.Approximate number of employees. $12.2B. 2021 research & development investment. $3B. total giving in 2020. We are one company, but we operate under two different corporate brand names. We are known as Merck & Co., Inc., Rahway, New Jersey, USA in the United States, Canada & Puerto Rico. We are known as MSD everywhere else. The Merck Access Program may be able to help answer questions related to insurance coverage and financial assistance options for certain Merck products including questions about: Insurance coverage for patients. Co-pay assistance for eligible patients. Referral to the Merck Patient Assistance Program for eligibility determination (provided ... 北米(アメリカ合衆国とカナダ)における名称: メルク (Merck & Co.、メルク・アンド・カンパニー) その他の国や地域における名称: MSD (Merck Sharp & Dohme) 「米国メルク」と呼んで峻別する場合もある; ドイツを拠点とする化学・医薬メーカー‎Merck Sharp & Dohme FCU brings Mobile Banking to your mobile device. Now you can get easy access to online banking. Benefits include\: __ Balances - view your account balances and transaction histories. Transfers - transfer money between your accounts. Payments - pay your bills and view recent… Health Care. Whistleblower says FDA minimized safety risks at Merck vaccine plant The facility in Durham, N.C., is set to help produce Johnson & Johnson’s Covid-19 vaccine.Vehicle Loans. Up to 100% financing. Competitive rates and terms. Apply by completing the forms and mailing them to. MSDFCU Business Services. 335 West Butler Avenue. Chalfont, PA 18914. View Forms. Or contact Business Services at (215) 996-3725.We take great care in our hiring process to select diverse people who will support us on our mission to discover, develop innovative products and services that save and improve lives around the world. Here are some tips to help you navigate through our hiring process and make an informed career decision. Nov 9, 2020 · There was a net sales revenue drop of 30.45% reported in Merck Sharp & Dohme Sdn Bhd’s latest financial highlights for 2021. There was a total negative growth of 30.25% in Merck Sharp & Dohme Sdn Bhd’s total assets over the same period. The net profit margin of Merck Sharp & Dohme Sdn Bhd increased by 11.7% in 2021. Headquarters. MSD Ireland is one of the country’s leading healthcare companies, having been first established here over 50 years ago. We are committed to ‘Inventing for Life’ in all that we do, collaborating to discover new medicines that treat the world’s most significant health challenges and benefit patients globally. For us, diversity and ...MSD Animal Health. MSD Animal Health is a research-driven company that develops, manufactures and markets a broad range of veterinary medicines and services. We offer one of the industry’s most innovative portfolios, spanning products for the prevention, treatment and control of disease in all major farm and companion animal species.myMSD - Contact Us. For Technical Enquiries such as assistance with registration, please contact the helpdesk on 1800 034 048 Monday to Friday, 9:00am-8:00pm (AEST). For Medical Information or to report product complaints (including adverse events), please contact our Medical Information Department on 1800 818 553 (AU) or 0800 500 673 (NZ), Monday to Friday, 8:30am – 4:30pm (AEST).Shredding Event-Chalfont. Chalfont | Dates: 21 – 21 Oct, 2023. Our free shredding event will be held at our Chalfont Branch on Saturday, October 21st. Shred your unneeded documents, such as old tax documents, bills, or anything containing account information. Read More.Merck Sharp & Dohme Ges.m.b.H THE ICON VIENNA Turm A, 20. Stock Wiedner Gürtel 9-13 1100 Wien +43-1-26-0440. Belgium Visit Belgium MSD.com. Vorstlaan 25 Boulevard du ...At MSD, we're following the science to tackle some of the world's greatest health threats. Get a glimpse of how we work to improve lives. Merck Sharp & Dohme Ges.m.b.H THE ICON VIENNA Turm A, 20. Stock Wiedner Gürtel 9-13 1100 Wien +43-1-26-0440. Belgium Visit Belgium MSD.com. Vorstlaan 25 Boulevard du ... You Have Questions, We Have Answers. If you can't find the answer you need in the below sections, contact our member call center at 215-996-3700 and speak to someone who can help. Or visit our other Help Center pages; Videos and How-To. Oct 18, 2011 · Pharmaceuticals giant Merck has maintained a low-profile, despite a series of major law suits. ... It merged with Powers-Weightman-Rosengarten in 1927 and Sharp and Dohme in 1953. It has acquired ... 2024 University Recruiting - Oncology Product Portfolio Intern. Those seeking a career in medical affairs, outcomes research, and health policy are strongly encouraged to apply. Candidates should have experience and/or interest in medical affairs, outcomes research,...Merck, or under obligation of assignment to Merck, at the time of the invention, the Board determined that the 35 U.S.C. § 103(c)(1) (pre-AIA) exception applied to claims 1, 2, 17, 19, and 2–123. Id. Merck did not assert a prior-reduction-to-practice argument for claims 3 and 4. Id. Case: 21-2121 Document: 49 Page: 5 Filed: 09/29/2022Business Address: MSD Sharp & Dohme 3rd Floor, Bdg. 39 Next to City Hospital Dubai Health Care City PO 2096 Phone: +97144269100 Fax: +971 44 269 205/206 Web: https://www.merck.comShipping time. Available samples are shipped as soon as the appropriate authorization has been received. Eligible, validated MDs, DOs, and other licensed practitioners (depending on state-level requirements) can expect to receive samples within 3–5 business days of Merck receiving the signed and dated Sample Request Form. We use the power of leading-edge science to save and improve lives around the world. We’re following the science to tackle some of the world’s greatest health threats. But don’t take it from us – see what our people and patients say.Shipping time. Available samples are shipped as soon as the appropriate authorization has been received. Eligible, validated MDs, DOs, and other licensed practitioners (depending on state-level requirements) can expect to receive samples within 3–5 business days of Merck receiving the signed and dated Sample Request Form. Shredding Event-Chalfont. Chalfont | Dates: 21 – 21 Oct, 2023. Our free shredding event will be held at our Chalfont Branch on Saturday, October 21st. Shred your unneeded documents, such as old tax documents, bills, or anything containing account information. Read More. At MSD Ireland, we're following the science to tackle some of the world's greatest health threats. See how we work to improve lives.To qualify for My Advantage, your household* must have the following accounts and services with MSDFCU: An aggregate of $35,000 in qualifying household end-of-month balances with MSDFCU (excluding First Mortgage, Credit Card, and Student Loan balances) Checking Account **. Direct Deposit **. With My Advantage, you’ll receive loan discounts ...Merck & Co. was confiscated following the First World War and set up as an independent company in the United States. Today, the US company, which operates as Merck Sharp and Dohme (MSD) outside the U.S. and Canada, has about 68,000 employees (December 2021) in 120 countries. It is one of the top 5 pharmaceutical companies worldwide, larger than ... Merck & Co. was confiscated following the First World War and set up as an independent company in the United States. Today, the US company, which operates as Merck Sharp and Dohme (MSD) outside the U.S. and Canada, has about 68,000 employees (December 2021) in 120 countries. It is one of the top 5 pharmaceutical companies worldwide, larger than ...Mar 31, 2021 · Health Care. Whistleblower says FDA minimized safety risks at Merck vaccine plant The facility in Durham, N.C., is set to help produce Johnson & Johnson’s Covid-19 vaccine. Aug 16, 2023 · Merck Sharp & Dohme FCU is a full-service financial institution that has been serving its members since 1950. We offer a full range of products and services to meet your individual financial needs. 16.75% APR*. Rewards Benefit. You earn 1 point per $1 spent. Points are redeemable for cash back, travel, merchandise and gift cards. Each month you will earn. 1.5 points per $1 spent up to. $1,500 in purchases, and you. will earn 2 points per $1 spent on purchases above $1,500. Cash Advances. MSD Animal Health. MSD Animal Health is a research-driven company that develops, manufactures and markets a broad range of veterinary medicines and services. We offer one of the industry’s most innovative portfolios, spanning products for the prevention, treatment and control of disease in all major farm and companion animal species. McCoy Cream Pitcher Vintage Advertising Collectible Promotional Diprolene Merck Sharp Dohme Pink & Blue Bands Stripes Creamer Rx Promo Item. (185) $25.00. c1890s Sharp & Dohme Baltimore, MD. Amber Cork Top Blown Glass Poison Bottle, Halloween Decor, Window Decor, Mini Miniature Bottle #2. (7.7k)Points are redeemable for CASH BACK, travel services, and merchandise. Points can be aggregated together simply by contacting our card services department and requesting the points be linked into one CURewards account. Apply For a CURewards Card. Open online, stop into any branch or call (215) 996-3700. CURewards Login.MSD Animal Health. MSD Animal Health is a research-driven company that develops, manufactures and markets a broad range of veterinary medicines and services. We offer one of the industry’s most innovative portfolios, spanning products for the prevention, treatment and control of disease in all major farm and companion animal species. Shipping time. Available samples are shipped as soon as the appropriate authorization has been received. Eligible, validated MDs, DOs, and other licensed practitioners (depending on state-level requirements) can expect to receive samples within 3–5 business days of Merck receiving the signed and dated Sample Request Form.BillMatrix - Merck Sharp & Dohme FCU’s Online Loan Payment System. Make Your MSDFCU Loan Payments Online Anytime, Anywhere. The last thing you want to have to worry about when paying your loan with funds from another financial institution is if you mailed your check out on time or having to travel to a branch to make a payment.We use the power of leading-edge science to save and improve lives around the world. We’re following the science to tackle some of the world’s greatest health threats. But don’t take it from us – see what our people and patients say. 16.75% APR*. Rewards Benefit. You earn 1 point per $1 spent. Points are redeemable for cash back, travel, merchandise and gift cards. Each month you will earn. 1.5 points per $1 spent up to. $1,500 in purchases, and you. will earn 2 points per $1 spent on purchases above $1,500. Cash Advances. IMPORTANT: Interest on federal student loans will resume on Sept. 1, 2023, and payments will be due starting in October 2023. Visit studentaid.gov for details. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender.Communication Office: WeWork Enam Sambhava, 7th, 8th and 9th floor, C-20, G Block, Bandra Kurla Complex, Bandra East, Mumbai – 400051. Tel: +91 22 67898888 I Fax: +91 22 67898889. Toll free number: 18001032642. For Media & Communications: [email protected] us: 877.VAX.MERCK (877.829.6372) More contact options MERCK SHARP & DOHME ASIA PACIFIC SERVICES PTE LTD 9 BATTERY ROAD, #17-01, MYP CENTRE, Singapore 049910. MERCK SHARP & DOHME ASIA PACIFIC SERVICES PTE LTD is a non-listed entity in the private market with no IPO filing. As of 1 March 2020, the company is not involved in any litigation based on the public records of the Supreme Court of Singapore.Merck Sharp & Dohme Ges.m.b.H THE ICON VIENNA Turm A, 20. Stock Wiedner Gürtel 9-13 1100 Wien +43-1-26-0440. Belgium Visit Belgium MSD.com. Vorstlaan 25 Boulevard du ...We're excited to announce Merck Sharp & Dohme FCU is gearing up for a major digital banking upgrade in April of 2023! This upgrade is a big step toward improving your online banking and mobile experience now and in the future. Visit https://msdfcu.org/upgrade for the latest information and videos about this new system. MSD's U.S. headquarters, worldwide office, adverse event, investors, media, supplies and animal health contact information. We use the power of leading-edge science to save and improve lives around the world. We’re following the science to tackle some of the world’s greatest health threats. But don’t take it from us – see what our people and patients say. There was a net sales revenue drop of 30.45% reported in Merck Sharp & Dohme Sdn Bhd’s latest financial highlights for 2021. There was a total negative growth of 30.25% in Merck Sharp & Dohme Sdn Bhd’s total assets over the same period. The net profit margin of Merck Sharp & Dohme Sdn Bhd increased by 11.7% in 2021. Headquarters.Aug 16, 2023 · Merck Sharp & Dohme FCU is a full-service financial institution that has been serving its members since 1950. We offer a full range of products and services to meet your individual financial needs. Please enter username and password, each no more than 64 characters in length. Please login using your username and password. Please note: Password is cAsE SeNsitiVeAug 16, 2023 · Merck Sharp & Dohme FCU is a full-service financial institution that has been serving its members since 1950. We offer a full range of products and services to meet your individual financial needs. MSD Ireland is one of the country’s leading healthcare companies, having been first established here over 50 years ago. We are committed to ‘Inventing for Life’ in all that we do, collaborating to discover new medicines that treat the world’s most significant health challenges and benefit patients globally. For us, diversity and ... Under a Consent Order, Merck publishes a yearly Information Bulletin for the community. Merck will continue to monitor offsite residential wells to ensure that the current remediation continues to control and remediate the groundwater contamination. In September, 1998, EPA gave Merck permission to discontinue the in-situ vapor extraction system.Aug 29, 2023 · Merck Announces Phase 3 KEYNOTE-756 Trial Met Primary Endpoint of Pathological Complete Response (pCR) Rate in Patients With High-Risk, Early-Stage ER+/HER2- Breast Cancer. July 27, 2023. Email: [email protected]. Phone: (215) 996-3700. Fax: (215) 996-3710. Outside Calling Region: (800) 86-MSDCU [800-866-7328] Monday-Friday: 9:00 a.m. - 5:00 p.m. Saturday: 9:00 a.m. - 12:00 p.m. We have changed our menu options, please listen carefully to the automated options when connecting with our courteous call center representatives who will ... Shredding Event-Chalfont. Chalfont | Dates: 21 – 21 Oct, 2023. Our free shredding event will be held at our Chalfont Branch on Saturday, October 21st. Shred your unneeded documents, such as old tax documents, bills, or anything containing account information. Read More. To be eligible for our private education line of credit, you must be enrolled in a degree-granting program at an approved school ‡ and be a member of Merck Sharp & Dohme Federal Credit Union. You may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded.You Have Questions, We Have Answers. If you can't find the answer you need in the below sections, contact our member call center at 215-996-3700 and speak to someone who can help. Or visit our other Help Center pages; Videos and How-To.Medicine for the people, driven by research. Merck stands at the forefront of research to help prevent and treat diseases that threaten people’s health, by conducting clinical trials. If you’re interested in learning more about clinical trials, explore our website resources and consider browsing our enrolling clinical trials.To be eligible for our private education line of credit, you must be enrolled in a degree-granting program at an approved school ‡ and be a member of Merck Sharp & Dohme Federal Credit Union. You may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded.

To make a payment or view balances, log in to your credit union online banking account to access the Student Lending Center. (University Accounting Service (UAS) is the servicer of your account.) Pay. . Beckley

merck sharp and dohme login

Please enter username and password, each no more than 64 characters in length. Please login using your username and password. Please note: Password is cAsE SeNsitiVeJul 13, 2023 · MSD Manual in Ukrainian. The MSD Manuals has launched a Ukrainian language site to support health care professionals who are caring for people in need. Emergency medical care information has been translated into Ukrainian, along with information about other medical issues provided in English. MERCK SHARP & DOHME CORP. EPA Registry Id: 110000341381. 2778 SOUTH EASTSIDE HIGHWAY. ELKTON, VA 22827-3628. The facility locations displayed. come from the FRS Spatial. Coordinates tables. They are the. best representative locations for.MERCK SHARP & DOHME FEDERAL CREDIT UNION Sign-On to your Online Banking Troubleshoobng Enroll Online Feedback Welcome YourSignOnlD If this is not your Sign-on 10. Password : Sign-On r your Password. Restartvour Sian-on. Foraotvour Password?Mar 31, 2023 · With our newly added Virtual Branch, our representatives can help you in more ways than one: Video – you’ll see us, but we won’t see you. Audio – Speak through your computer! Phone – Enter your phone number, and we’ll call you. Chat – for the texter in all of us! Apply for a loan or open additional accounts such as a Checking, Savings, or Certificate of Deposit. Continue an Application. Continue an application that you previously saved. If you have any questions, just call. 215.996.3700. We're here to help.Merck Sharp & Dohme Ges.m.b.H THE ICON VIENNA Turm A, 20. Stock Wiedner Gürtel 9-13 1100 Wien +43-1-26-0440. Belgium Visit Belgium MSD.com. Vorstlaan 25 Boulevard du ... Merck’s (NYSE: MRK) Q2 2023 results reflect sustained underlying growth. Our company announced Q2 worldwide sales of $15.0 billion, an increase of 3% from Q2 2022. “We continue to make great progress as we advance our broad and deep pipeline, raise the bar of innovation, and bring forward leading-edge science to save and improve lives […]IMPORTANT: Interest on federal student loans will resume on Sept. 1, 2023, and payments will be due starting in October 2023. Visit studentaid.gov for details. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender. Click Here to browse the CURewards without signing in or registering. Login above for best experience! Merck | 2,184,098 followers on LinkedIn. At Merck, known as MSD outside of the United States and Canada, we are unified around our purpose: We use the power of leading-edge science to save and ... Vehicle Loans. Up to 100% financing. Competitive rates and terms. Apply by completing the forms and mailing them to. MSDFCU Business Services. 335 West Butler Avenue. Chalfont, PA 18914. View Forms. Or contact Business Services at (215) 996-3725. 2024 University Recruiting - Oncology Product Portfolio Intern. Those seeking a career in medical affairs, outcomes research, and health policy are strongly encouraged to apply. Candidates should have experience and/or interest in medical affairs, outcomes research,...Click Here to browse the CURewards without signing in or registering. Login above for best experience!Aug 16, 2023 · Merck Sharp & Dohme FCU is a full-service financial institution that has been serving its members since 1950. We offer a full range of products and services to meet your individual financial needs. MSD Animal Health. MSD Animal Health is a research-driven company that develops, manufactures and markets a broad range of veterinary medicines and services. We offer one of the industry’s most innovative portfolios, spanning products for the prevention, treatment and control of disease in all major farm and companion animal species. MSD Czech Republic získala i letos certifikát Top Employer pro rok 2023. ZJISTIT VÍCE. Náš výzkum a vývoj léčiv se zakládá na inovacích. slide 3 of 4. Zajímáte se o MSD jako zaměstnavatele? Pak jste tady správně a čtěte dál. Pokud jste odborný pracovník ve zdravotnictví, informace pro vás najdete na speciálním portálu ...Jun 4, 2023 · 28 Mar 2023 No recent reports of development identified for phase-I development in Sepsis in USA (IV, Infusion) 12 Jul 2022 Merck Sharp & Dohme completes a phase III trial in Pneumonia in Philippines, Brazil, France, Mexico, Romania, Russia and Ukraine (IV) (EudraCT2018-003202-82) (NCT03583333) 29 Sep 2021 Pharmacodynamics data from a ... IMPORTANT: Interest on federal student loans will resume on Sept. 1, 2023, and payments will be due starting in October 2023. Visit studentaid.gov for details. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender. .

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