PayPal Funds in My Visa Electron Within 5 Days
Woohooo! PayPal didn’t rob me. I see my PayPal funds in my Visa Electron statement! The withdrawal process took less than 5 days. I withdrew on 2nd October around 9.44PM and the transaction appears last night. See the second record below dated 6 October 2007? Exchanging USD 100 for RM 336.90 is not bad at this time right? Good thing the Ringgit weakened against the US dollar that day.
It took 2 days for PayPal to update the status below from “Pending” to “Completed” and another 3 days before I receive the funds.
To avoid cash advance fees, I suggest you get a Visa debit card like Visa Electron if you want to cash out at the ATM machines. As for Public Bank’s Visa Electron, cash withdrawal is free of charge at their ATM. You can check the rates here (scroll to the bottom).
Hi there. Are you a PayPal verified member? I read that we must be verified before we can withdraw funds to our credit/debit cards. I am still waiting for my statement so that I can verify my account. If we don’t have to, I can try withdrawing now.
yes.. I am PayPal verified member. I think you are right that one must be verified before withdrawing.
[...] PayPal Funds in My Visa Electron Within 5 Days [...]
[...] about this new way of withdrawal from PayPal to the Visa debit card will work but Malcolm has confirmed that this does work. I was unable to test this for myself since I did not receive my PIN number for [...]
Thanks, great news ! I have been waiting for someone to try the PB Debit Card before I open it…;D
I can go and apply now.
heh…you should. Good luck Vedis.
Thanks for the information!
Yes! Very good news! I’ll get that card sometime this week and start using it with PayPal next month. I read somewhere in eBay Malaysia that we need to have some normal transactions done before using it with PayPal, otherwise PayPal will limit the account and query us.
But gosh, USD 1 = RM 3.369 is awfully low. Mine was at RM 3.41.
Thanks for sharing anyway!
[...] are with you [UPDATE 8/Oct/2007] I’m never been glad I was wrong about anything as I am now! Malcolm successfully had his funds transferred into his PB VISA Electron debit card, although I noticed that the exchange rate was significantly lower. For Oct 8, the rate was RM 3.40 [...]
I withdrew slightly earlier when Ringgit started to strengthen again…. Lost some money but not much since it was only USD 100.
my pleasure babyfiona. ;)
[...] I am back at square one now. I have no other choices but to apply for a credit or debit card from another bank. I have read some responses and comments in other blogs and forum and have decided to apply for a Public Bank Visa Electron. Malcolm has reported that he was able to withdraw his PayPal funds into his Visa Electron. [...]
[...] Blogger Malcolm managed to withdraw Paypal funds in his Public Bank Visa Electron. Check out the details here [...]
Thanks for the info.
Congratulation malcom,
I also had applied PB Visa Electron Card once i read the email sent from ebay, should get it now or within 1 more week.
Thank for letting me know that able withdraw via tis card, i just need confirmed. But sad that Mastercard still not allowed and daily limit only $500 allowed.
For avoid loss $$ in exchange rate, plz refer to http://www.xe.com/
I also get daily latest rate from their newsletter.
hi Wilson. thank you for dropping by. Good to know if you have applied for Visa Electron. The rates published by XE.com may be different from the rate of Visa and MasterCard. You can sell off your PayPal funds to interested parties at your agreed rate. There are others who prefer to absorb the PayPal fees when they receive the funds from you than being given less USD when paying using their credit card in their PayPal account.
[...] Malcolm [...]
Simply fantastic! Nice to hear that PB Visa Electron cardholders can finally SEE MONEY. I just applied for the card and hoping to experience the same thing. Keeping my fingers and toes crossed! Great blog you have here : )
Hi!
I got my Standard Chartered Visa Electron Debit cart. and i tried to add this cart to my paypal account to widdraw my money to this debit cart.
But unfortunatelly, I was not able to add this card to my account. when i try, paypal give me this messege:
“This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer’s customer service department. Or, you may want to try adding a different credit card.”
I do not know why? i called Standard Chartered but also can not get right answare.
Any one advise me that, is there any different betwen PB Visa Electron and Stadanrd Charterd’s? should i got PB visa electron in this case?
thank you
udun
Hi Udun. You are unable to add your Visa Electron since your Standard Chartered bank does not allow withdrawal yet. That is what exactly PayPal says in that message. You may have to wait or get another Visa Electron with Public Bank or Al-Rajhi.
[...] 目前已经成功出款的银行 Debit Card 有 Public Bank 的 Visa Electron Debit Card 及 Al Rajhi Bank 的 Visa Debit Card。而 Affin Bank、Ambank、MOL Freedom、Alliance Bank、BSN Matrix 的 Debit Card暂时无法使用。成功出款的网友有 Sweet Surrender、AceOne、Azwanhadzree、Chin Nee、Papa Joneh、Malcolm、Sukeri。 [...]
hai everyone,
recently i had received the new public bank visa electron debit card. I wonder why am I not anle to add this card into my paypal account. Is anyone of you have idea to solve it? Thank you.
Hi Lemon. Thank you for your question. First, your card must have a balance of RM 25 to use and has been activated for use by Public Bank.
After adding the card to your PayPal account, enroll yourself in the Expanded Use Program to verify your card. You will need another extra USD 1.95 (about RM 6.63) in your account to do this. More info here: http://kb.neowave.com.my/?View=entry&EntryID=36
Alternatively, you can contact PayPal for assistance by clicking on the “Contact Us” link after signing into your account.
i ve the same prob wit lemon and i have a balance of rm25 in my account. I did enter the same address as my statement address sigh…still unable to add my debit card.
I just opened a savings-i account with Al Radjhi today. Received my Visa debit card on the spot. So the moment i got home, i fired up paypal and added a new card… it was successful. Then i made this card my primary. But when i wanted to “Get Verified”, meaning that will make PayPal charge me $1.95 USD… it FAILED!
I called the Helpline at the back of my card: 1300 82 6000. They say that they are aware of the matter and working on it. Asked when will the resolve it… “We dont know exactly when”.
So does this confirms:
1) You can withdraw to Al Rajhi Visa from PayPal
2) Can make payments with PayPal to other vendors.. but
3) Can’t verify your card with PayPal
Can anyone confirm all of this please…
Hi Shankar.
1. I doubt you will be able to withdraw to an unverified card as PayPal are strict in fraud patterns. However, you can try to withdraw and let us know.
2. You can make payments with PayPal to other vendors provided you have enough funds in a particular funding source (PayPal funds/credit card/bank account). It will not be a problem.
3. A number of Malaysians have successfully verify their Al-Rajhi Visa Debit cards.
After I bank-in RM25 to my account, how can I activate it? I thought the savings activate it automatically?
==================
Malcolm: Just add the card to your PayPal account. After adding your card, enroll in the Expanded Use Program where by USD 1.95 will be transferred from your card to your PayPal account. Therefore you will need more than RM 25 in your card. Just add another RM - 7 to RM 10 to your card for this purpose. Your balance in the card must not be less than RM 25 at all times.
Thanks, it works now after I bank-in another RM10
i had bank-in RM 30 in the PB Visa debit card at the first time to activate the card but i still couldn’t verify the paypal.. this is what i get
“We were unable to verify this credit card. Please check if the information you entered is correct. If the problem persists, please try to enter a different credit card”…
i could add the debit card into the paypal but could not verify what happen?
=========
malcolm: hi EliteVillain. You will always need to maintain a balance of RM 25 in your card. To verify your card you need another USD 1.95 which is about RM 6.80 more. That is most likely the reason your verification failed.
so now i will have to bank in more money into the debit will solve the problem?
I will try to do so on Monday… Thanks
==========
malcolm: hi EliteVillain. All the best and happy new year. Tell us if it works!
I have got my PB Visa Electron card and have RM 25 in it and yet I could not add this card to PayPal. Any help please….
=======
malcolm: When you add your card to PayPal and enroll for Expanded Use Programme, you will need more than RM 25. Add another RM 10 to your card so that you can add the card to PayPal. When you enroll for Expanded Use Programme, USD 1.95 (about RM 6.63 now) will be charged to your card. By adding RM 10, your balance will not be lesser than RM 25.
[...] frequently receive questions from Visa Electron card holders of Public Bank that they are unable to enroll in PayPal’s [...]
Thanks for writing about your experiences with Paypal! I’d just like to confirm though, Public Bank won’t charge you anything for the withdrawal from your paypal to the card but Paypal will charge USD 5, correct?
Thanks! If it’s not too much trouble, can you send your reply to my email address? Thank you!
==============
Malcolm: You are absolutely right at this time. Thank you for commenting. :)
hi all…evreyone here seems knows alot about the debit card and paypal..i just got my eon debit card but i cant add it to my card list in paypal..the error stated something like the bank is not able to do transaction with paypal..
why this happen??is it really the eon debit card cant be use?? i just heard that someone succeess the transaction using this debit card..why cant i?? :((
==========
Malcolm: Dear n|ck. If you are trying to transfer funds to Eon debit card, a friend told me it does not work for now. You can check with Eon bank on this issue. Thank you.
Hello, does anyone knows how much is the withdrawal limits from PayPal to PBB debit card? I just applied one, when can I get the card n PIN?
====================
Malcolm:
Hi there,
PayPal restricts USD 500 per withdrawal per day for USD currency balance. If you mean PBB Visa Electron debit card, you will receive your card and PIN within 4 weeks from now.
Hi Guys, i need some help here:
Today i’d just got my PB Visa Electron Debit Card with amount of RM25 inside. Now when trying to “addcard” into my paypal account, i got this message:
==============================================
“This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer’s customer service department. Or, you may want to try adding a different credit card.”
==============================================
Okay, i’m too new to all this kind of credit/debit card thing. Anybody could help me please?
Thanks In Advance.
Cheers,
Sastra John
Kota Kinabalu
Sabah.
=========================
Malcolm:
Hi Sastra,
Kindly refer to my post here.
Hi Malcom,
I am glad to have found your website.
I have this question about selling in ebay that i hope someone like you can help answer.
I intend to become only a casual seller on ebay. If I plan to ship my merchandise to countries like U.S.A, do I really need to include into my packages some documentations like the sales invoices, export licence, etc. to clear the customs? And that the buyer needs to have an import licence in order to claim the goods? Do casual sellers in ebay really go all the way to apply for the licences, create business invoices just to do such a small scale casual business online? Thanks, really appreciate your advice.
==========
Malcolm:
Hi Alice. First and foremost, I am not an expert in matter of eBay. As far as I know, small scale businesses do not require such licenses. Just declare the items your are shipping to the shipping or courier company will suffice. The courier company will take care of the tax administration.
Hi Malcom,
Thanks v. much for answering my questions on 22/8..
Below I have 2 questions regarding PBB visa electron card, hope you can help.
1. The PB card application form requires to fill both the “NRIC name” and “name to appear on card”. If, for example, my NRIC name is “Lee Tze Ling” and name to appear on card is “Amy Lee”, then on the paypal registration form, is it correct for me to enter first and last name as Amy Lee respectively?
2. If my card is successfully linked and confirmed by paypal (verified), does this mean there would be absolutely no problem for me to withdraw funds from my paypal account into the debit card account or vice-versa (add funds from my card)?
Thanks a lot, Malcom.
=================
Malcolm:
Hi there,
1.
When you register for a PayPal account, use your name in your NRIC. For example if your name on the NRIC is “Lee Tze Ling”, enter “Lee” as your first name and “Tze Ling” as your last name. For names with “bin”, “binti”, “a/l” and “anak”, the name behind “bin”, “binti”, “a/l” and “anak” will be “last name”.
For example, Ali bin Ahmad. His first name is Ali and last name is “bin Ahmad”. Thus, it will be displayed as “Ali bin Ahmad” in PayPal
If you enter “Tze Ling” as your first name, and “Lee” as your last name according to US “convention”, you may have problems with PayPal to prove you are the owner of your PayPal account should PayPal freezes your account.
Ultimately you want the name in the PayPal system displayed as “Lee Tze Ling” and not “Tze Ling Lee” which does not match your NRIC. Avoid confusing PayPal.
2. Withdrawal of funds depends on your card issuing bank. If your bank allows your Visa card for PayPal funds withdrawal, then there shouldn’t be any problem. For funding payments, just make sure your PayPal account has enough funds. For example, you can’t spend anymore with a Public Bank Visa Electron if you are only left with RM 25 as Public Bank requires you to have that amount of deposit.
I hope I have answered your questions.
hi guy.
Need some help here.i’m a paypal premier verify members using nextG card.Since paypal can’t funds to my nextG card i apply PBB visa elektron card.Do paypal accept 2 card in 1 single account?if i want to transfer to PBB do i need to delete NextG card and make verify to my PBB card?
==========
Malcolm:
Hi Acai,
Yes. You can add more than 1 card to 1 single PayPal account. You do not need to delete the extra cards.
Hi Malcolm,
thank for the answer..what about my PBB elektron visa do i need to do a verification same as nextG card if i want to funds paypal?
==========
Malcolm:
Hi there. Yes, you need to verify each card added to your PayPal account.
would there be a limit of how much u can withdraw?
i mean per day…
thanks
Hi Andrew. The limit is USD 500 a day. :)
thanks malcolm… that applies to premier and business acc too?
Yes Andrew. Applies to premier and business account too. I really hope we can withdraw to our local banks next year.
yea hope that happens soon… what if i need like 5000usd and is urgent? means i gatto withdrawl every day for 10 day….haih…
anyway thanks bro….
wow! You have a lot of money :)
If you have that amount, I suggest you sell to those who needs USD. There are Malaysians who are willing to buy PayPal funds (mainly in USD) and they can credit funds to your Malaysian bank accounts.
I’ve Paypall account and the problem is
my first name and last name is switch
for example:
my Name is Rizal Tukiman in my NRIC
so when I sign up paypal last 2 years I put Tukiman as my first name and Rizal as my last name
so Is that giving me a problem when i want to add my debit card because my debit card printed name is Rizal Tukiman and inside paypal is Tukiman Rizal.
Please help
==========
Malcolm:
Hi Tukiman.
There won’t be any problem of adding cards to your PayPal accounts even if the names are not yours. There is probably some other reason why you are not able to add the card to your PayPal account such as your issuing bank disallow Internet transactions for the card.
Hi Malcom,
Thanks for being so patient with all these repeating questions on pay pal.
I need to ask ask a silly question.
1) U have mentioned that when applying for pay pal account- name to be filled in as in our NRIC. Example Lim Me Hua, So first name is Lim & Last name Mei Hua. Does that mean i just leave the middle name blank?
2) I am now waiting for my PB debit card to arrive so when it does, let me some facts straight:
a)When i get my debit card with the PIN number..I need to activate it first & top up to a total of at least RM35 for the Expanded Use Programme to activate with my Pay pal. Will I still need to register for online banking?
Thanks!
Aileen
===============
Malcolm:
Hi Aileen. We love helping people with PayPal issues here.
1. You can leave the “middle name” field blank.
2. Online banking account is not necessary. If you register for online banking, you have the convenience to view your statement and balance anytime online.
Thanks Malcolm! You’re an angel!:)
So now I am ready to sign up with PayPal!!!!
==========
Malcolm:
Hi Aileen. My pleasure. :)
Thanks, Malcolm
Sastra // Aug 19, 2008 at 12:57 pm
Hi Guys, i need some help here:
Today i’d just got my PB Visa Electron Debit Card with amount of RM25 inside. Now when trying to “addcard” into my paypal account, i got this message:
==============================================
“This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer’s customer service department. Or, you may want to try adding a different credit card.”
==============================================
Yes thats same happened to me. Huh.. Then I tried to recharge more money to my card via pbb online but unfortunely can’t access payment/recharge. So,I emailed to pbb & waiting for their respond. If I can access payment/recharge then I’ll try to add card in paypal.
============
Malcolm:
You can always add funds using the cash deposit machine. RM 25 is not enough. You can’t even get yourself verified. Try to read this article.
Malcolm,
Really can using cash deposit machine? I’m newbie to this card. How to cash deposit? Put pb visa electron number ?
I tried to put in cash deposit but can’t. So,I tried to use ATM to transfer money to my pb visa electron. Its successful then I tried to add card to paypal. Its works but have to waiting for 4 digits from card statement. This mean I’ve to waiting for statement by mail in the end of mth?
hi dollface I just finish these process and manage to withdraw pay pal fund within 5days.
If you have internet banking access you can view the 4 digits numbers under “Account Inquiry” then click on “Credit/Debit card” then choose “view the unbilled transactions”. You will be able to view the 4 digits there. Not need to wait till end of the month.
Hi Dollface. You should learn how to use the cash deposit machine. You can always learn from the bank staff. It so easy.
malcolm // Nov 20, 2008 at 10:52 pm
Hi Dollface. You should learn how to use the cash deposit machine. You can always learn from the bank staff. It so easy.
I know how to use cash deposit to keep my money in my pbb account. But I never try to put money in my pb visa. I’ve tried to use cash deposit for my pb visa but can’t put pb visa num. So,I tried to use ATM to trf $ to my pb visa. Its successfully.
pling // Nov 20, 2008 at 8:14 pm
hi dollface I just finish these process and manage to withdraw pay pal fund within 5days.
If you have internet banking access you can view the 4 digits numbers under “Account Inquiry” then click on “Credit/Debit card” then choose “view the unbilled transactions”. You will be able to view the 4 digits there. Not need to wait till end of the month.
yes..I’ve access internet banking for checking my pb acc. But can’t open credit/debit card as there got error msg as below
“Your Request Could Not Be Executed.
You Do Not Have The Relevant Account(s) For This Feature.”
why ye??
hi dollface
sorry forgot to mention, you need to go public bank to link your debit card to your internet banking, they will give you a form to fill up. Yes i find it troublesome too. It’s not auto link.
pling
sorry forgot to mention, you need to go public bank to link your debit card to your internet banking, they will give you a form to fill up. Yes i find it troublesome too. It’s not auto link.
pling
oh i see..what’s link shd give to public bank? yes last time i ask them, can i access internet to checking my debit card.They said yes. When am home then check can’t..huh.. :/..ok..When I’ve the time,will go there.
May i ask,while I not yet verified my paypal acc coz am still waiting for my code by mail. Can’t I fund my paypal & transfer money to someone while my paypal not verified yet?
=========
Malcolm:
As far as I know, you can still make payment using PayPal even though you are not verified. However, there will be a maximum amount which you can pay another PayPal account.
Am glad that my paypal alr verified right now after i rec my code today. :)
Can i buy online now? :p
=========
Malcolm:
Yes
Hi, can someboday clarify this.
How to withdraw money at PB ATM using PB Visa electron card. Does the procedure/wizard is the same as using normal bankcard and PB will charge for cashmoney fees as for credit card (RM12/ per transaction)? Thanks.
===========
Malcolm:
The procedure/wizard is similar. Just read the instruction displayed. Public Bank waives the withdrawal fee if you are using their ATM machine to withdraw your funds in your Public Bank Visa Electron. Cash advance fee does not apply.
Hi Malcolm,
Do you know what’s the charges for withdraw PB Visa electron money from oversea ATM machine?
thanks
========
Malcolm:
Hi Pling,
The charges are published here. I hope it helps
hi Malcom;
I have got my PB debit card, last week, add the card in paypal. On 7 Jan 08 I withdraw some $ from my paypal to the debit card.
Yesterday the paypal account info shows that the status “completed”. However, when i check the balance on the PB atm machine, the $ doesnt appear. By the way, i just got my 4 digit verification code today and just verified it.
Previously my paypal account was verified with a credit card.
Does it take more days until the $ appear in the debit card balance?
Jones. Thank you for your question.
PayPal have indicated that it will take 5 to 7 working days to withdraw the funds and transferred to your bank account. You do not receive the funds immediately.
There have been cases withdrawal took more than 1 week to almost a month due to some glitches on PayPal’s end. I hope I have answered your questions.
Thanks. I shall look forward to it in few more days to come, and let you know the update.
I planned to apply for PB visa electron. I was wondering do I get a PIN no. when I receive that card? Or do I have to request the PIN no from the PB counter?
the $ is shown in the balance today, so it took exatly 7 days for my case.
Jones. That sounds great!
slumbery;
the pin will come in separate letter.
Hi Malcolm,
I am not verified Paypal user under Premier account.
I am using Public Bank visa electron debit card, may I know how to add fund to my Paypal account?
I’ve gone through the above comments and found that one way you have mentioned is via cash deposit machine.
Is the fund will be automatically transfered to my Paypal account once I make the deposit?
sorry a big typo for previous comment,
I meant I am a verified Paypal user under Premier account. Sorry =.=’
Hi TMag. There will not be funds transferred from your Public Bank Visa Electron or any credit to your PayPal account. When you make payment using your PayPal account, the credit or debit card will the be source of funding.
The fund will then only be transferred to your PayPal account and immediately to the person/store you are paying to. Thus, your balance in PayPal will always be zero until you start receiving PayPal payments from other parties. I hope I have answered your question.
hi,i have recently obtained a citibank visa electron debit card but it has been denied for paypal transactions although it has suffient funds in it.
can any1 help with this issue?
can credit card balance from paypal be transfered to debit card account?
Hi Jakz. I do not have experience with Citibank’s Visa Electron Debit Card. Kindly check with your card services department.
There is no such thing as credit card balance from PayPal. It is the PayPal funds/balance which you have which can be withdrawn to some credit or debit cards. =)
Can foreigners apply for Public bank visa debit?
Hi Jk. According to their requirements, foreigners can apply for Public Bank Visa Electron. However, an application by a friend of mine was rejected once without any reason given. He is a foreigner.
hi malcolm, many thx 4 your previous ans,have confirmed tht 4 nw citibank debit cards is useless for paypal verification purposes.
however,i nd help on following isues on pb visa debit card.Will pb charge any fee once received fund via paypal? n how long(days) does transfer process takes from paypal acc to pb acc?
thanks a mil..
And also,does Hong Leon’s Visa credit card able to be used to verify in paypal? any idea on this?
And,im required to type my 4 digit paypal code after verification of my pb visa debit card,the problem is,where n how do I obtain this num?
pls help,tq
Public Bank does not charge any fee for withdrawal. Only PayPal charges USD 5 per withdrawal. If all goes well, it takes 5 to 7 working days to complete the withdrawal.
You will have to contact Hong Leong Bank to ensure you card is enabled for online transaction. I was told by a friend by default, online transactions for cards issued by Hong Leong Bank are not allowed until you call them (the number on the reverse of your card).
The number will be on your card statement after your enrollment for the verification programme.
hi there, i have received my PB debit card on 25th june 2009. So when will i be getting my PIN.no?
Hi Devan. You will have to visit your nearest Public Bank’s branch to apply for online banking PIN.
well, what i mean is that i need the pin.no in order to use the ATM machine and withdrawal not the online banking PIN.
Hi Devan. You still need to apply for that PIN at the nearest branch in order for you to withdraw funds in your Public Bank Visa Electron.
thanks malcolm but when i want to register at the bank counter they say i have to call the PB debit card centre because they are responsible to send it to my mail. So what should i do now?
Hi Devan. If that is the case, it is better you call their customer service number which is stated on the reverse of your card. The number is 03-2176 8000
I have a visa electron card and It has a Pin code and VCC code , yet paypal canot verify it or accept it , i have fozen funds in paypal , i canot spend one dollar .. i did check with my bank and the card is ok , so what is the problem ? paypal asked me to send a copy of national ID and visa electron by fax .. andi am not in the US ..
Hi Sherin. You have to follow the instructions given by PayPal including faxing your ID to them. After their investigation, they will decide to lift the freeze on your account or not.
Hi Malcom,
Will there be any problems if i put binti as my middle name when i registered with paypal? and what if i registered as bt but my ic shows as binti?
Hi Elly. The problem will only arise when PayPal freezes your account and request you to prove ownership with your government ID. That is when your name registered will not match the name in your government id (IC).
Hi Malcolm,
I’ve succesfully linked my pb card to paypal but why is there a limitation to my account? I tried to pay using paypal but wasnt able to do that
Hi Elly. What kind of limitation of your account do you mean?
hi malcolm do i need to open saving account if i want to withdraw paypal funds to my public bank visa electron debit card and can i accept transfer from someone saving account to my public bank visa electron debit card (without saving account)
ex:someone maybank2u account (not mine) to my public bank visa electron debit card (without saving account)
or
someone public bank saving account (not mine) to my to my public bank visa electron debit card (without saving account)
Thanks
Makel
Hi Makel. You do not need to open a savings account to withdraw funds to your Public Bank Visa Electron.
In his or her Maybank2u account, there is a section to pay bills including non-Maybank credit or debit cards. He or she can use that to pay you but it will take a few days to clear.
Ok Malcolm thanks for the answer
Hi Makel. You are welcome.