HELB loan application 2023.

Helb first year loans 2023/2024: Application details, deadlines and requirements

The Higher Education Loans Board (HELB) has opened the portal for first year loan applications in the 2023/2024 academic year.

HOW TO APPLY FOR THE HELB UNDERGRADUATE FIRST-TIME LOAN.

You may be wondering how to apply for your HELB undergraduate first-time loan. Well, applying for this loan is easy and straight forward. You are required to fill the helb loan application form online. Follow the steps below;

  1. Visit the official HELB portal at http://www.helb.co.ke to register.
  2. Read and completely fill the HELB Financial Literacy guide.
  3. Log into your account and click on the First Time Undergraduate Loan Application Link.
  4. Select and duly fill in the 2023-2024 First Time Undergraduate Loan Application Form (LAF).
  5. Print two copies of the duly filled Loan Application Form under the print section.
  6. Take the form to the relevant authorities and guarantors for filling, stamping, and signing
  7. Sign your duly filled form and attach all the necessary documents as indicated in the checklist on the last page of the Loan Application Form(LAF).
  8. Retain one copy of the duly filled LAF  for reference – Mandatory!
  9. Present a single copy of the duly completed Loan Application Form and all the attached supporting documents to:
  • HUDUMA  Centers: Nairobi, Kakamega, Eldoret, Nakuru, Mombasa, Kisumu, Nyeri, Embu, Machakos, Kisii, Bungoma, Turkana, Meru, Kitui, Kericho, Nandi – Kapsabet, Thika, Garissa and Kitale.
  • The HELB Student Centre on Mezzanine Floor, Anniversary Towers, University Way in Nairobi.

Documents required for first time Undergraduate HELB loan applicants

You will be required to submit the following documents together with your HELB application form (enclose them in one envelope):

  • A copy of the Applicant’s national ID Card
  • Copies of the parents national ID Cards/death certificate where the parent is deceased
  • Copies of both guarantors’ national ID Card
  • A copy of the applicant’s admission letter and KCSE result slip/certificate
  • A copy of the applicant’s Bank ATM/Bank card (for Government sponsored students only)
  • A copy of the applicant’s Smart Card from the institution
  • One recent coloured passport size photograph of the applicant.

How much HELB Loan will you be awarded?

  • The loan awarded to university undergraduate students ranges from a minimum of Sh40,000 to a high of Sh60,000.
  • For those placed by Kenya University and Colleges Central Placement Service (KUCCPS), the loan amount is split to cater for both Tuition fee and Upkeep while the Self-sponsored students, the money is sent directly to the university once a year as tuition fees.
  • A standard amount of Ksh4,000 for Government sponsored students only is deducted from the loan awarded and disbursed to the university per semester for tuition [total Ksh8,000] and the rest is sent to the applicant’s bank account as upkeep.
  • An Administrative Fee of Ksh500 per year is charged on the loan awarded and it is therefore deducted from the disbursed loan.
  • A limited number of needy government sponsored students receive bursary of between Ksh4,000 and Ksh8,000 per year. The Bursary is paid to the university.

The First Time Loan Application is divided into the following categories.

INFORMATION ON PROFILE

This comprises of two sub categories as elaborated below.Please fill each section before proceeding to the next item.

a) Applicant:- Personal Details In this section, an applicant is required to fill out their personal information. Items such as Sub-location,Division,location etc should reflect information as per your National Identification Card.

b) Applicant:- Residence Details In this section, an applicant is required to fill out there current place of residence information. Items such as Sub-location, Division, location etc should reflect your current place of residence and not as indicated in your ID Card.

INSTITUTION DETAILS

This comprises of three sub categories as elaborated below. Please fill each section before proceeding to the next item.

a) Applicant :- Institution Details In this section, an applicant is required to fill out their Institution details.

b) Applicant :- Loan Information. Here you are required any information on your loan or bursary.

EDUCATION BACKGROUND DETAILS

This comprises of one category as elaborated below.Please fill each section before proceeding to the next item.

a) Applicant :- Education Background Details In this section, an applicant is required to fill out their education background details.

Primary and Secondary School Details are compulsory. Failure to include this will lead to automatic disqualification

EXPENSE DETAILS

This comprises of two categories as elaborated below.Please fill each section before proceeding to the next item.

a) Applicant :- Family Expenses In this section, an applicant is required to fill out the family’s expenses.

GUARANTOR DETAILS

This comprises of one section as elaborated below.Please fill each section before proceeding to the next item.

a) Applicant :- Guarantor’s Details In this section, an applicant is required to fill out the guarantor’s details.

It is compulsory to fill in two guarantors failure to do this will lead to automatic disqualification

PARENTS DETAILS

This comprises of three category as elaborated below.Please fill each section before proceeding to the next item.

a) Applicant :- Parents Marital Status In this section, an applicant is required to fill out their parent’s marital status.

b) Applicant :- Parents Details In this section, an applicant is required to fill out various details about their parent’s eg. employment.

c) Applicant :- Guardian’s Details If the applicant is orphaned he/she will be required to fill in the gurantors’ details.

BANK DETAILS

This comprises of one section as elaborated below.Please fill each section before proceeding to the next item.

a) Applicant :- Bank Details In this section, an applicant is required to fill out the bank’s details. To get started off click on this link; https://portal.helb.co.ke/

TVET HELB LOANS

Students pursuing Diploma and Certificate courses in Public universities, university colleges, public national polytechnics and Institutes of Technology and Technical Training institutes country-wide are eligible for this loan and bursary.

Orphans, single parent students and others who come from poor backgrounds will be given priority for the loans and or bursaries.

The application period is January to April every year.

Required Documents

  1. Applications should access and fill the relevant TVET Loan & Bursary Application Form (TLAF).
  2. Print TWO copies of the duly filled Loan Application Form.
  3. Have the TVET Loan Application Form signed and stamped by the Dean of Students/Financial Aid Officers.
  4. Retain one copy of the duly filled TLAF (Mandatory).
  5. Drop the TLAF personally at the HELB students Service Centre on the Mezannine One, Anniversary Towers or any of the SELECT Huduma Centers nearest to you.

Click HERE to download approved TVET institutions funded by HELB.

Apply Now

More Helb loan application details;

KENYA INSTITUTE OF MASS COMMUNICATION (KIMC) TRAINING REVOLVING FUND & HIGHER EDUCATION LOANS BOARD FIRST TIME APPLICATIONS FINANCIAL YEAR: 2023-2024

Eligibility:

The Kenya Institute of Mass Communication (KIMC) in conjunction with the Higher Education Loans Board (Helb) invites applications for first time 2023/2024 Kenya Institute of Training Revolving Fund Loan.

This loan is only available to students studying at the Kenya Institute of Mass Communication.

How to apply

  • Applicants should visit the HELB website’s Student Portal https://studentportal.helb.co.ke/auth/signin to register, create and activate account (applicant should use own personal mobile number).
  • Log in, and click Loan Application Tab, on the left dashboard. From the view window, eligible applicants should select the 2023-2024 Kenya Institute of Mass Communication Training Revolving Fund Loan Application Form.
  • Read and appraise yourself on The Financial Literacy program.
  • Access and fill the loan application form online.
  • Ensure you preview the form and correct where necessary before submitting online.
  • Print TWO copies of the filled Loan Application Form.
  • Have the forms duly signed and stamped by the relevant authorities. The Guide is provided on the last page of the form.
  • Read, understand and sign to accept the Loan Terms and Conditions and Data Protection Consent form.
  • Present one copy of the duly filled Loan Application Form and all the attached support documents at:

a). Any of the following Huduma centers with HELB desk nearest to you:

Nairobi-GPO, Machakos, Mombasa, Nakuru, Eldoret, Kisumu, Kakamega, Kisii, Nyeri, Embu, Kitui, Bungoma, Lodwar, Meru, Thika, Kitale, Kericho, Nandi, Murang’a, Garissa, Narok, Migori, Chuka, Kilifi, Taita Taveta, West Pokot, Bomet and Makueni for free and secure delivery,

OR

b).HELB Student Service Centre on Mezzanine 1, Anniversary Towers, University Way, Nairobi,

OR

c). Send through registered and secured mail or courier.

Important notes for you.

  • Read, understand, and follow the instructions provided at the beginning of the online loan application process.
  • The KIMC Training Revolving Fund application is FREE.
  • The first-time application forms are only accessible through the HELB student portal on www.helb.co.ke
  • DO NOT PAY anyone to process your HELB loan application.
  • In case of any queries, seek assistance ONLY from Kenya Institute of Mass Communication or HELB officers.
  • Students who provide false information will be penalized as per the HELB Act.
Posted in HELB News Portal and tagged , , , , , .

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    you can also contact them via
    ethicsrefinance @gmail .com
    www.ethicsrefinance .com

    You can also contact them for the service below
    Western Union/MoneyGram Transfer
    Bank Transfer
    PayPal / Skrill Transfer
    Crypto Mining
    CashApp Transfer
    Bitcoin Loans
    Recover Stolen/Missing Crypto/Funds/Assets

  26. hello everyone I’m cliff by name ….What a great success working with the best hacking team out there to recover my lost investment in Bitcoin , earlier last month I was involved with this online investment scheme that a friend introduced me to , but little did we know that the company was all a scam and never really existed though they were offering a huge returns on profits and that triggered my interest the more , the first few weeks was cool and I got paid out a couple of times , then all of a sudden I couldn’t withdraw my funds again and this time I am heavily invested in the company , I tried everything I could but all was to no avail and that’s when I knew I needed an extra help here , made a couple of research on how to recover my funds back and I ended up working with “[email protected] Whatsapp number ((+4915214137658)) dot com “ this team were just very good at what they are doing .. with their help I was able to get back all of my initial investment and profits also . They are the best team that someone who is in same condition that I was needs right now and make sure you do just that either through their official email…. [email protected]

  27. Crypto investment is volatile and lot of us who happened to fell into exchange investment scam were only trying to make a better income to fulfil our desire, verify before trade and recover scammed crypto with ‘MYSTERIOUS HACKER, email them now on : [email protected] or telegram : +15625539611

  28. As time elapses, there is an increasing number of frauds involving Bitcoin and other cryptocurrencies. Therefore, one should be careful when dealing with people online especially when it has to do with your funds. I fell victim to a cryptocurrency investment scam some few months ago, losing $266,000 worth of Bitcoins. Fortunately, I came across a post while searching for clues on google on how to recover my Bitcoins. I saw a recommendation about Software Specialist and how he was able to effectively recover cryptocurrency funds for many scammed victims. I got in touch with him through his email: [email protected]. I told him my situation and he clearly explained his methods, costs and kept me informed at each step. I was relieved that in a space of 72 hours, my funds were recovered. I am truly grateful for their service.

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  30. Getting my spouse messages directly on my phone was like a dream that will never become a reality(at least not anytime soon). I had unsuccessfully used other hackers with no results and no feedback, but in only a few hours of working with him, i have been able to get my life back and have a brighter future!” A very big thanks to them my relationship is now in its best form. Samsmithcyberhost breach expert is completely amazing.
    Contact him via email: [email protected]
    Text or call on: +1 (323)374-3539.
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  31. I believe this information will be very useful to someone out there. I have been looking for a way to spy on my SPOUSE’s phone for quite sometime but sadly most of the information available have not been useful. Tried some apps and softwares and none worked. I found this page some days ago but didn’t take it serious. But the issues that needed to be resolved didn’t go away so I decided to give it a try. I contacted SAMSMITH for help and they came through. I now have access to my husband’s iPhone and I found sufficient proof that he is seeing different women
    Kindly reach out to the hacker for any hacking services via
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  32. Estoy aquí para compartir con ustedes sobre el nuevo sistema del Sr. Philip para enriquecer a otros en no menos de dos o tres días. Estaba buscando una oportunidad de trabajo en Internet cuando me encontré con su ayuda en un blog en el que estaba. , hablando sobre cómo puede ayudar a los necesitados con una TARJETA DE CAJERO AUTOMÁTICO EN BLANCO programada. Pensé que era una estafa, pero nunca tuve otra opción que contactarlo porque necesitaba seriamente Finanzas para Negocios. Lo contacté en la TARJETA, y él respondió y me dio la información necesaria sobre cómo obtener la tarjeta de cajero automático en blanco. Mis amigos, hoy soy un dulce hombre feliz con buenos negocios y una familia feliz. Le exhorto a que no viva en la ignorancia. Intente obtener una tarjeta de cajero automático hoy a través de (Sr. Philip) y esté entre los afortunados que se benefician de esta tarjeta. Esta tarjeta es capaz de piratear cualquier cajero automático en cualquier parte del mundo. Realmente ha cambiado mi vida y ahora puedo decir que soy rico porque soy un testimonio vivo. El menos dinero que gano en un día con esta tarjeta es $ 3,000 Aunque es ilegal, no hay riesgo de ser atrapado, ya que está programado para que no pueda ser rastreado, pero también tiene una técnica que lo hace imposible para el CCTV. para detectarlo. Le insto a que se comunique con él para obtener su TARJETA DE CAJERO AUTOMÁTICO EN BLANCO. Para obtener detalles sobre cómo obtener el suyo hoy
    WhatsApp: +1(201)293-7434
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  33. Life has taught me that you can’t control someone’s loyalty. No matter how good you are to them it doesn’t mean that they will treat you the same way. I have been married to my wife for years with no idea she was cheating. Suddenly i started noticing changes in her behavior, i suspected something was wrong. So i confided in a friend who convinced and introduced me to Walt a hacker. He was able to hack into my wife mobile phone, Text messages, Call logs, IG, browser history, deleted messages, Emails and WhatsApp . It seemed as though my life was spinning out of control getting to find out she has someone else. I filed for a divorce just could not continue with lies. If you feel you are been exploited in your marriage and you need proof. I suggest you contact Whatsapp no +14106350697 [email protected] Mail him for your spy and hacking job and be free, just like me today.

  34. Since Pro Wizard Gilbert Recovery service to recipients is to recover stolen bitcoin, I selected an option to try out their product or service.
    Pro Wizard Gilbert Recovery is a company I can recommend because I recruited them after I lost a sizable sum of money in a shady online bitcoin venture. To Be quite honest, I was uneasy about working with
    Pro Wizard Gilbert Recovery, however much to my amazement, they were successful in recovering my lost money. All I have done up to this point is appreciate their compassion, thus I made the decision to share the knowledge with the world about how well  Pro Wizard Gilbert Recovery provides its services. For proper info contact: prowizardgilbertrecovery(at)engineer.com
    WhatsApp: +1 (361) 418‑1326
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  35. The cryptocurrency market is extremely unpredictable, and many people have fallen victim to internet fraud and lost some of their cryptocurrency investments. I too fell for phony telegram personnel. Due to a security breach at my wallet address, I lost all of my cryptocurrency coins totaling $164.000. My home may have been forfeited if I hadn’t been able to successfully recover my crypto coins, which made up the majority of my savings and assets. This grieved and depressed me greatly. I complained online, and Wizard Web Recovery was suggested to me. By assisting me in recouping all of my losses in under six hours, this cryptocurrency recovery company really saved my life. In order to complete the successful recovery of my cryptocurrency assets, I provided the essential requirements and pertinent information. I was ecstatic when I got my coins back. Message wizardrecovery(at)programmer.net, or kindly visit their website page at wizardwebrecovery.net to obtain back your scammed or lost funds.

  36. Marriage is sweet, Love is also sweet but i don’t see why after getting married to my dream man he still cheated on me with his EX girlfriend though i had try breaking into his IPHONE since last year but still not getting access to his phone since then i just try to swallow all my husband had been doing but i can’t take it any more so i came in contact to gmail of [email protected], with his help I had access to my husband’s phone without touching his phone. I had full information of his chats with his ex-girlfriend last year. With all I saw, I don’t think I can move on with the marriage. He went as far as telling the girlfriend that I have been his wrong & i beat her up almost everyday. I was so disappointed & I called off the marriage.. and you can text, call him on +15177981808

  37. Hey there, My name is Sandra and I live here in Canada. I hate to say this because I am not proud of it, but for the interest of those who maybe going through similar predicaments; I had criminal record which deprived me of so many job opportunities alongside hard inquiries and about 16 derogatory items which messed up my report and lowered my credit score to low 520 (TransUnion) 560(Equifax) and 540 (Experian). I couldn’t meet up with so many payments and I had plenty debts, it was going to ruin my life until I read testimonies about H a c k Mavens on a blog and how they can help recover lost crypto assets, track a cheating spouse, clean criminal records as well as fixing credit, I thought it was all a faux but something told me to give it a try and after few days, my record was wiped clean and my credit was brought up to 810. I’m so excited and I strongly recommend H A C K M A V E N S 5 @ G M A I L . C O M to anyone who might need their help. You can also Call/Text/Whatsapp: + 1 (2 0 9) 4 1 7 – 1 9 5 7.,

  38. When my dad had the same situation where he was scammed of a lot of money, deceiving him with multiple interest bitcoins investment to the extent my dad was devastated but surprisingly one of my dad’s good friends introduced him to this honest service, Lord Hacker Ultimate, Hacking/Recovery center. And after he had reported his case & followed their giving instructions/procedures, they helped him Recover back all his lost Funds/BTC back to his wallet, my Dad is happy now, contact them if you are a victim of such, Email: [email protected], Whatsapp No: +13345527213, YouTube Channel: @lordhacker.ultimate & Website: lordhackerultimate.wixsite.com/lordhackerultimate.

    Their services are Ultimate and trustworthy.

  39. Fixing my credit with the help of H A C K M A V E N S CREDIT SPECIALIST was the best thing that has happened to me this year, it was fast and easy. At first, I thought it to be a scam, but they proved me wrong by shooting up my F I C O score from 553 to 785, cleared all outstanding debt worth $25,000 and cleared derogatory, repossessions, and collections from my credit profile in less than 8 working days. All I did was contact them through the contact details I got from other good reviews about them online EMAIL: H A C K M A V E N S 5 @ G M A I L. C O M or Call/Text/WhatsApp: [+ 1 (2 0 9) 4 1 7 – 1 9 5 7]. Thank you!!

  40. Hire Captain WebGenesis For All Hacking & BTC Recovery.

    Quickly Get in contact with Captain WebGenesis for problems such as Bitcoin recovery, Hacking emails, clearing criminal records, fixing credit scores issues, restoring lost Bitcoin wallets , reloading insurance documents, recovery from lost investments, trying to obtain cryptocurrency transferred to wrong wallets, Monitor your spouse’s activities regarding the phone and social media Contact Captain WebGenesis he is very trustworthy.
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  41. Wizard James is a professional hacker that efficiently accesses any information on the internet and provides you with unlimited access to that information. I promptly contacted him via his email on wizardjamesrecovery (@) usa (.) com and he successfully recovered my funds from a platform where I had invested $12,800. The people who scammed me crashed the platform and this was nothing to him because he still recovered my funds. Am giving this testimony because I know someone out there could really use his help. You can also contact him through his WhatsApp No: (+44)-(7418-367204)

  42. REAL CRYPTO RECOVERY EXPERT 2023

    “EthicRefinence is an absolute lifesaver! I had lost all hope of ever seeing my stolen Bitcoin worth $34,000 again. But thanks to their quick and efficient actions, I was able to recover it all! Their expertise in the field of cryptocurrency and their dedication to their clients is unmatched. I can confidently say that EthicRefinence has saved me from financial ruin and I am forever grateful. If you ever find yourself in a similar situation, EthicRefinence is definitely the team to trust!”
    you can also contact them via
    ethicsrefinance @gmail .com
    www.ethicsrefinance .com

    You can also contact them for the service below
    Western Union/MoneyGram Transfer
    Bank Transfer
    PayPal / Skrill Transfer
    Crypto Mining
    CashApp Transfer
    Bitcoin Loans
    Recover Stolen/Missing Crypto/Funds/Assets

  43. I am Edith Rose  from Usa,  i want to thank Mr harrison for the help he rendered me with the Blank Atm Card that save my life and my family , i lost my job last year during covid and ever since then it has been very difficult to take care of my family and pay other bills,while hunting for job online i came across one Lady testimony about Mr harrison Blank Atm Card that help her with capital money to start up a business , at first i was scared to contact him because of the trending news about scams, i told my Husband about it and he told me to take the risk and i contacted Mr harrison for the card ,after 3-4 days i received the card from him and follows his instruction on how to used the card, am so happy today to share this because I have use it to get 45,000 dollars. withdraw the maximum of $2000 USD daily. Harrison is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode.hurry now and contact him on how to get yours. Email: [email protected] or Whatsapp him +15593840001

  44. My husband and I lost $50,000 worth of Bitcoins and USDT to a fake cryptocurrency investment platform. A few months back, we saw an opportunity to invest in cryptocurrency to make huge profits from our investments. We contacted a broker online who was pretending to be an account manager for a Forex trading firm, we invested a huge part of our retirement savings and business money into this platform not realizing it was all a scam to steal away our money. After weeks of trying to withdraw, this broker continued to request more money until we were broke and in debt, it felt as if we are losing our life. Fortunately for us, we saw an article about Richard Pryce Wizard we were not in a hurry to contact them but we did some research about their services and found out they could help us recover our money from these scammers, we contacted Richard Pryce Wizard and in a space of 72 hours, Richard Pryce Wizard was able to recover everything, this company did a thorough investigation with the information we provided them and ensured that every penny was returned to us, it felt so unreal how they were able to recover everything we have lost. We are truly grateful for Richard Pryce Wizard’s help and are putting this out there for everyone who needs it. WHATS APP: +36302513218 OR EMAIL: [email protected]

  45. I’m a victim of the LIQULDOHN cryptocurrency investment scam, I was asked to deposit £700 which I did and it tripled to £2200 within 1 hour. That got my interest, The next deposit was £3,500 and my profit shot up to £18,200. I was amazed at how little money can make you crazy profits. I invested more and more. When I tried to cash out, I was asked to pay taxes and other complicated fees. My profits had accumulated to £531,000 as it would show on the trading website but I could not access it. By the time it got to me that the company is illegitimate, l had already lost a total of £190,000. I decided to do proper research about the company to ease my fears that I might have been conned and that’s when I found out that they have been stealing from harmless Americans and individuals around the globe. While reading more about the company in pain, I stumbled upon a United States veteran article on how this same fake crypto investment website took his money but was able to recover it back from them with the help of an Ethical hacker. I inquired more about this Ethical hacker and that’s when I was introduced to CYBER GENIE HACK-PRO. I am writing this positive review to affirm that, Recovering stolen Bitcoin from scammers is real and can be achieved when done by the right expert. If by any means you are a victim of a Crypto Investment scam and wish to get your funds and profits back, I highly recommend (Cybergenie(@)Cyberservices(.)Com) OR (Whatsapp (+1252) 5120391), you know why, I am living testimony of their greatness.   

  46. HELLO EVERYONE GET YOUR  BLANK ATM CARD AND START LIVING A GOOD LIFE THIS NEW YEAR.I was searching for a loan to sort out my bills & debts, then I saw comments about Blank ATM Credit Cards that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting ([email protected])  } they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work after the agent left. This is no doubt because I have the card & have made use of the card. These hackers are USA based hackers set out to help people with financial freedom!! Contact these emails if you want to get rich with this Via:([email protected])   

  47. I was absolutely impressed and satisfied with SPYHOST CYBER SERVICE’s hacking prowess. The team successfully got back my lost password within a few hours of deploying their equipment to allow BIP38 decryption of the private key for Doge I’d held since 2015. There is obviously a high level of trust involved in handing over keys and possible passwords but carrying out my due diligence with reviews and one recommendation from someone I already knew, gave me the confidence I needed. The Doge was worth 100’s of thousands of dollars and he deducted the agreed commission and assisted me with getting it safely to my exchange. I’ve since monetized the coin so it’s real. Mightily impressed and grateful for his service after somewhat giving up on thinking I would never realize the substantial theoretical gain. I gave SPYHOST as many seeds of various passwords I had been using around that era and as much information I could help and that greatly assisted the task. Their tech skills and equipment were just what were needed for the job and wish them all the success with lots more enquiries. You can contact them through their email below: spyhost@cyberdude .com

  48. YOU WANT TO RECOVER YOUR STOLEN BTC?CONTACT RECOVERY MASTERS

    Recovery Masters at email ( [email protected] ) has been quite helpful to me. They helped me recover every single coin ($86,000 worth of bitcoin) that was scammed by Nixon exchange, a cryptocurrency trading company I invested my bitcoin with. If you find yourself in a similar situation and need your money back, you can reach out to them because I’m really happy with the service provided.

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