If you use electronic tools to store personal information, please ensure that the information is kept confidential to prevent it from being stolen and used by others. To open an account, the customer needs to provide the companys registration documents, including Certificate of Incumbency or Company search document that is valid within 6months. <<71F9B50732EEFC478345DF00C5760076>]/Prev 204898/XRefStm 1319>> A SWIFT/BIC is an 8-11 character code that identifies your country, city, bank, and branch. Here are the tips for securing customers online activities: CUBHKs E-Banking adopts the Transport Layer Security (TLS) encryption technology to ensure that the data submitted by the customer for financial transactions online are encrypted and converted into an encoded form before it is transmitted from the customer's computer so that the data are protected against unauthorized persons from reading your data. Local Account Fund Transfer by Credit Card, Cathay Membership Programme Terms & Conditions, Promotion Terms and Conditions for Priority Banking, Promotion Terms and Conditions for Priority Private, Application requirements for the Cathay Mastercard Priority Private / Cathay Mastercard Priority Banking, Locations of the Bank's Service Providers, Personal Information Collection Statement, 4 non-sharable Cathay Pacific Business class lounge passes every 12 months, Priority check-in at the Premium Economy Class counters and priority boarding services, 10 sharable Cathay Pacific Business class lounge passes every 12 months, Priority check-in at the Business Class counters and priority boarding services, Tier 1: Accumulated Eligible Transactions, Tier 2: Accumulated Eligible Transactions, Tier 3: Accumulated Eligible Transactions, Tier 4: Accumulated Eligible Transactions, Up to HKD2 = 1 Asia Mile for eligible spending on Cathay and HK Express, HKD4 = 1 Asia Mile for eligible spending on dining / food delivery platforms, online and overseas spending categories, HKD6 = 1 Asia Mile for eligible spending in other categories which are posted in Hong Kong dollars, Enjoy an exclusive rate of HKD4 = 3 Asia Miles at Cathay partner restaurants. 0000005793 00000 n Several different types of external transfer are covered by the EFTA: Wire transfers are another type of EFT payment that moves money quickly between financial institutions around the globe. The password letter will be delivered to clients via registered mail. For offer details, please refer to the offer terms and conditions., Enjoy first-year annual fee waiver. An annual fee of HKD2,000 will be charged, Basic Miles: up to 2,000 Asia Miles (HKD4 = 1 Asia Mile for eligible online spending, HKD6 = 1 Asia Mile for eligible spending in other categories); and. The Organization for Economic Cooperation and Development(OECD) has provided information on the tax residency rules applicable in jurisdictions that are committed to automatically exchanging information. These are the current Zelle sending limits for major banks: Bank of America: $15,000 per 24 hours, $45,000 in a seven-day span and $60,000 every 30 days for small businesses. This law put in place consumer protections around specific types of electronic transfers of money. The . 0000150669 00000 n Disclaimer For details please refer to, For the terms and conditions of the Welcome Offer, please, **Remarks and Terms & Conditions of Asia Miles Time Deposit Rewards. If you need to transfer a larger amount, call us at 800-531-USAA (8722) That's 800-531-8722 800-531-USAA (8722) That's 800-531-8722. Unfortunately, the clients cannot choose because the correspondent banks have already been set up in the system. hb``Pf``me```jb@L@q@IIPTYV7=`k`a1aCF >%F9 7$30V(`:xUGAt V]:p4>K\+ s8 6"K i,j4N r"~=R)H >z6A]|6jSGqH];mC-"^Ouw_ox]. To maximize the combined performance of Cathay Financial Holding, we have implemented measures such as integrating the resources of the two banks, streamlining operational costs, improving operational efficiency, and expanded our services. For details of the applicable annual fee, please refer to the Credit Card Key Facts Statement. Do not use any computers in public space (e.g., internet cafe or cybercafe) to access CUBHK's E-Banking services as these computers may be installed with hacker program(s) which provide a way for others to access the customer's personal account data fraudulently. Enter a dollar amount. After the Bank receives the faxed documents from the customer, our staff will contact the customer or the designated transaction contact person via the phone number provided by the customer to confirm the transaction. While EFT transactions are often processed in seconds, ACH transactions are usually batched. For savings accounts,Hong Kong Branch provides USD, HKD, CNY, JPY, EUR, AUD, CAD, NZD, GBP, CHF, SGD, and ZAR accounts. When you have finished using the CUBHK's E-Banking services, please click Log out to exit, and make sure you have successfully logged out the system. Disable the "AutoComplete" function of internet browser, so that the computer does not automatically fills in the information when entering the User Name. If you receive a text message purported to be from the Bank or from an unknown source, you should not respond to them or click on any links. (No one from CUBHK will ask you for your password.). The definitions of new funds, existing funds, Asia Miles entitlement calculation and minimum principal amount under AM TD Rewards are detailed in the relevant terms and conditions. 2. Customer should know the persons with whom they share the computer and do not allow any unauthorized persons to use the computer. Select a From account. In December 1974, the Ministry of Finance submitted the relevant applications to the Executive Yuan, which then approved the establishment of Cathay United Bank. When applying for Internet Banking services, the customer is required to set up his/her own User Name. In most cases the Credit Union will This limit is often tied to the day and/or month (i.e. Mr. Tsai initiated the 5-Year Reformation Program and successfully renamed the Company as Huitong Shangye Yinhang Gufen Youxian Gongsi [Huitong Commercial Bank Co., Ltd.] on 16 November 1998. The annual fee of Digital Certificate is HKD400 in the first year and HKD250 from the second year onwards. This applies even if the credit card is terminated before the end of the year for which the annual fee is paid. NMLSR ID 464182. New cardholders2 can enjoy HKD1 = 1 Mile. For example, if Cardholders successfully apply for the Card in July 2021, he/she will be charged the first year annual fee in October 2021, second year annual fee in July 2022, third year annual fee in July 2023 and so on. Update the firewall regularly for obtaining the up-to-date protection. annual fee waiver in the first year so long as Cardholders meet the relevant criteria in the last two months prior to the annual fee billing month. 0000018628 00000 n Please do not access the CUBHK's E-Banking services via a public computer (e.g., computer of an internet cafe) or do not use Internet services provided in public places to log in CUBHK's E-Banking and perform any transactions or check the account balances as these computers may have hacking programs installed (others may use it to obtain your personal or account information). Mileage Transfer fee and purchase of Asia Miles Gift Miles; Learn More Learn More; Viewing your limits helps you determine how much can be sent and how much has already been sent out in a given time period for each account. ACH Transfers: What Are They and How Do They Work? Savings account can be used for deposits, remittances, and money transfer while the investment account is targeted at investments and financing. Online banking allows a user to conduct financial transactions via the Internet. 4. $45,000 daily limit and $75,000 monthly limit for inbound transfers. From now till 30 June 2023, earn 388,000 Miles by setting up a 12-month Asia Miles Time Deposit with HKD1,000,000 new funds. This video has been produced by the Hong Kong Association of Banks (HKAB). Simply want a travel and lifestyle Miles earning card? Country code A-Z 2 letters representing the country the bank is in. The amount you are able to send through Zelle depends on your bank's set limits. 0000003948 00000 n "ACH Network Sees 29.1 Billion Payments in 2021, Led by Major Gains in B2B and Same Day ACH.". The information you will need to make an external transfer is the same, no matter which type of account you are sending money from and no matter where the funds are going. 5. Miles entitlement is calculated based on the tenor and principal amount on a pro-rata basis. When you apply for the E-Banking, please change the password shown in the E-Banking password sheet issued by the bank immediately, and after you complete the password change by using the paper password slip, be sure to destroy the paper password slip. Banks: China Construction Bank, Bank of China, Bank of Taiwan, Cathay United Bank, Taishin International Bank 2. Please do not keep any written record regarding your password in: (1) any device that can be accessed to an internet bank, (2) the object you often carry with you, and (3) somewhere near the device computer. Society for Worldwide Interbank Financial Telecommunication, ACH Network Sees 29.1 Billion Payments in 2021, Led by Major Gains in B2B and Same Day ACH. 0000001656 00000 n Since these acquisitions and mergers, Cathay United Bank has continued to expand its local branch offices in Taiwan, becoming a private bank with the largest number (165) of branches. $100,000. How Sending Money on Facebook Messenger Works. If you access CUBHK's E-Banking with a laptop, please turn off unnecessary wireless connection functions (e.g., bluetooth and NFC). 0000006038 00000 n Both UWCCB and CCB have been merged in compliance with the Financial Institution Merger Act and other relevant laws. Want to enjoy more with more premium travel, lifestyle and banking privileges beyond Miles? Under the "external accounts" heading, you can view your linked external accounts. 0000015346 00000 n When using the CUBHK's E-Banking services, do not leave the webpage idle for a long time. Cardholders can enjoy an annual fee waiver on their Cards if they are eligible Priority Private clients and meet the relevant Average Daily Relationship Balance requirement as stipulated by the Bank from time to time (relevant criteria). Information collected will be sent to an unauthorized entity for profit. . CUBHK does not provide any official mobile applications (mobile apps) on AppStore and GooglePlay. You can learn more about the standards we follow in producing accurate, unbiased content in our. If you receive such a request, please call +852 2877 5488 to notify us immediately. "Payments Myth Busting. }NDY+jwDi:ocu1UWs_VE$\V,7kSp2aI%V/H"0L9( $5H6SmaR $A 4+3pVYpv.%nQJh~[["8$, >/Metadata 20 0 R/Pages 224 0 R/StructTreeRoot 44 0 R/Type/Catalog/ViewerPreferences 244 0 R>> endobj 228 0 obj <>/MediaBox[0 0 612 792]/Parent 224 0 R/Resources<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 229 0 obj <>stream Refund of annual fee: Unless stated otherwise in our banking agreement, if a credit card is terminated (whether by us, you or any supplementary cardholder), we do not refund any annual fee paid. The reference date for the merger was 27 October 2003. Most online banking portals now offer features to link external accounts to your banking profile. 0000008830 00000 n From now to 31 December 2023, you can enjoy an exclusive 15% off dining or spa at The Peninsula Hong Kong with your Standard Chartered Cathay Mastercard. $3 for standard time delivery and $10 for next-business day delivery. To the maximum extent permitted by applicable law, HKAB and the Bank and their respective employees, agents and representatives expressly disclaim all or any liability (whether in tort or contract or otherwise) for any loss, damage, costs or expenses of any nature arising from or in connection with this video, in particular: If the liability of HKAB or the Bank or their respective employees, agents or representatives in relation to any matter relating to or arising in connection with this video is capable of limitation (but not indemnification or exclusion), it is hereby limited to the maximum extent that is permitted by law. Please check and verify your transaction records timely. For details, please refer to Asia Miles website asiamiles.com. Some financial institutions impose limits on external transfers. An external transfer is a way to move money electronically from an account in one financial institution to an account in another financial institution. 11. Yes, the transactions will be charged as outward remittance. 10, Yongsui Street, Taipei City formally opened for business on 20 May 1975. Citibank Global Transfers *. Outgoing . . Its important to know your limits for external account transfers. On the Funds Transfer page, do the following: Select an account from the From Account drop-down list. Outgoing domestic: $25 online; $35 in a branch. Citibank. endstream endobj 230 0 obj <>stream For the avoidance of doubt, The Marco Polo Club / Asia Miles membership / Asia Miles loyalty programme / Asia Miles lifestyle award scheme stated herein are referring to the Cathay membership programme. The daily limit of HKEB should not exceed USD 1.15 million. For details, please refer to Asia Miles websiteasiamiles.com. If you are asked to make an external transfer to pay for goods or services, it could be a scam, so proceed with caution. 0000001319 00000 n HKEB: Please refill in the Application Form for HKEB, select reset User name or User password and sign up, then provide the Application Form to the Branch. 2.New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards. Yes. Please regularly update the version of anti-virus software and perform the virus scan on your computer. Avoid installing or executing software or programs of unknown origin and sending personal information or passwords via email. 0000056444 00000 n 0 243 0 obj <>/Filter/FlateDecode/ID[<483DB04D25C22E479D9F9D6D256FFFBB>]/Index[226 32]/Info 225 0 R/Length 92/Prev 465517/Root 227 0 R/Size 258/Type/XRef/W[1 3 1]>>stream For HKEB applicants, the clients should input the User Name set by themselves and the password shown on the password letter first, and then change the above-mentioned information immediately to activate the internet banking service. She is a FINRA Series 7, 63, and 66 license holder. They are typically easy to set up, but you should be careful if you are asked to make an external transfer to a company or individual you dont know personally. Chase Wire Transfer Fees. With three tiers that recognise different banking relationships with us, each with its own travel, lifestyle and banking privileges new heights await you in every stage. Terms and conditions applies. The vast majority of companies, even the smallest ones, now use secure online payment platforms thanks to application programming interface-based fintech companies that provide payment as a white-label service. There are several different types of external transfers, with EFT (electronic funds transfer) and ACH (automated clearing house) being the most common. At the same time, the customer needs to provide the identification document of the directors, shareholders and signatory. Listed under the amount to send, select View all dollar limits. Download and update security updates/patches for the computer regularly to protect the computer against known security issues. The amount of Asia Miles as shown on the relevant promotion webpage and materials are quoted with reference to Asia Miles entitlement offered by Standard Chartered Bank (Hong Kong) Limited (the Bank) on 3 April 2023 and are not guaranteed. When you log into your online banking portal, use your bank app, or call your banks telephone banking number, you generally have the option to complete two different types of electronic transfers: internal and external. Unfortunately, the clients need to open deposit accounts (Savings Account or Current Account) first, then apply for the internet banking service. Click or tap the Frequency field, then select a frequency. Transfer limits are designed to help protect and limit potential bank and member financial losses. How Long Do External Bank Transfers Take? Check out latest FAQ, forms and other useful information, , , Earn up to HKD4 = 3 Miles at the Quality HealthCare eShop, For regular income earners, please enclose your latest 1 months computer generated Payroll Slip or latest 1 months Bank Statements / Passbook showing your name, account number and salary entries, For irregular income earners, please enclose your latest 3 months computer generated Payroll Slip or latest 3 months Bank Statements / Passbook showing your name, account number and salary entries, For self-employed applicants, please enclose your Business Registration Certificate AND latest Profits Tax Demand Note, Minimum average daily Relationship Balance HKD1,000,000 or above; or, Minimum monthly salary HKD80,000 or above# (only applicable to New Banking Clients);or, Mortgage outstanding amount of HKD5,000,000 or above*, Maintain an average Total Balance at HKD8 million or above, 1. You can continue to use the existing card before card replacement or renewal. In May 1974, the Conference of Sponsors was convened, creating a bank with an approved capital sum of US$ 12 million. hVmk9+RJB %wE6gkqGF3mB+4~C`D"NY !P&Z(X(5&F(&Vhbi55^M\/}{z7Xlnv2wVfU1uT;vZbYkya%e`arjszh|}uaT]`d@|i[gCllq\^'*5a}Ld6S6PA(d/&ek8s:xT>X:OJg F'li!UY}i\H"=t A:hCD$i^%2.RLd|1|6$%Rgm|$d(Hgh0cH9>oSH1^ $.{)pTHtI3z0R?Ra M7O{fk@lt9U&3yLxWE@r,cX/d1|Y78TV2x~@hgGl+>O/w1#uPR,_ /o? Investors must make investment decisions in light of their own investment objectives, financial position and particular needs and where necessary consult their own professional advisers before making any investment. Larger banks can often process ACH payments faster than smaller banks. Asia Miles redemption are provided by Asia Miles Limited and respective merchants. Click on "settings". Please do not include sensitive information such as account numbers or other personal information such as Social Security or Tax Identification numbers, drivers license numbers, etc. ", National Automated Clearing House Association. Given that there are many types of EFTs, you probably use quite a few of them without realizing it. The User Name and the User Password must be entered with the uppercase or lowercase characters correctly. 6. Existing Client refers to a client who, as of the last day of two months prior to the date of the current sign up for Priority Private/Priority Banking, (i) held any products or services with or distributed by the Bank (including but not limited to deposit account (in the case of joint account, unless the existing client is a primary account holder to the joint account, he/she will not be considered having held any product or service with or distribution by the Bank), investment services and insurance products underwritten by the third party insurer) except Standard Chartered Credit Cards, and (ii) maintained a positive Total Balance. The customer is suggested setting the User Name with the combination of English characters and numbers. Please fill in the application form to apply for the password again. The information contained in this video is not professional advice and should not be relied upon by any person. You can find a description of the types of tracking technologies, and your options with respect to those technologies, by clicking Learn more below. This video has not been reviewed by any regulatory authorities in any jurisdiction. Get ready to fly now! Money can often be transferred between accounts within the same institution for free. endstream endobj startxref The transfer is aptly named as funds are being transferred outside of the bank currently holding the funds. In theRepeat Durationfield, click or tap eitherForeverorUntil date. TD Bank-Instant transfers: up to $1,000-Scheduled transfers: up to $2,500 . Select an account from the To Account drop-down list. 0000001076 00000 n Check with your financial institution to find out your daily and monthly sending limits. If you make more than six withdrawals from a savings account in a statement, you'll pay a fee for each additional. Dining benefit:Enjoy 15% off your lunch or dinner at The Lobby from Monday to Thursday (except public holidays), Spa privilege: Enjoy 15% off your 2nd spa treatment at The Peninsula Spa from Sunday to Thursday. 0000056481 00000 n Both Cathay Commercial Bank (CCB) and United World Chinese Commercial Bank (UWCCB) joined Cathay Financial Holdings Co., Ltd. in 22 April 2002 and 18 December 2002 respectively, becoming two wholly-owned subsidiary banks under Cathay Financial Holdings. hbbbb`b`` ; You will need: Sometimes, the person or organization to which you are sending money can help you set up a transfer, either by providing these details or even by guiding you through the process of setting up a transfer. After a one-time setup process, you can easily transfer between Salem Five and your other accounts within Online Banking. Sending money internationally must be done via a wire transfer. d. 10 sharable Cathay Pacific Business class lounge passes are to be used when Standard Chartered Cathay Mastercard Priority Private is valid. External Transfer limits: To view the maximum amount you can transfer, fill out the details but don't submit it. Review account information regularly, and keep personal and financial information safe and properly. Cathay United Bank reminds you: Online banking is also known as Internet banking or web banking. Select View all dollar amounts on the next page. 40,000 Asia Miles for depositing the first HKD1,000,000 new funds, 30,000 Asia Miles for depositing every subsequent HKD1,000,000 new funds, 15,000 Asia Miles for depositing the first HKD500,000 new funds, 10,000 Asia Miles for depositing every subsequent HKD500,000 new funds. Standard Chartered Cathay Mastercard (former Asia Miles Mastercard)^. This video does not, and is not designed to, satisfy any particular regulatory requirements in any jurisdiction in relation to investor education or otherwise. Suzanne is a content marketer, writer, and fact-checker. ACH payments are often transacted in two days or less. %PDF-1.7 % hb```. 0000008097 00000 n Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech and strategic finance in top universities. Customers only need to fill out necessary documents for the transactions and fax them to the Bank within the specified time (9:00 to 15:30). That information is used for a variety of purposes, such as to understand how visitors interact with our websites, or to serve advertisements on our websites or on other websites. Install the latest security fixes/patches of operating system and internet browser, and set the password on the computer which is used for accessing CUBHK's E-Banking. All types of electronic money transfers are overseen by the U.S. government. Please refer to the, The validity period of Digital Certificate is one year. From now till 30 June 2023, earn 77,600 Miles by setting up a 12-month Asia Miles Time Deposit with HKD200,000 new funds. The Bank is not responsible for any disputes arising from these offers. 0000011137 00000 n UWCCB would be the surviving company while CCB would be dissolved in the merger. We have initiated financial reformations in response to the government's Financial Holding Company Act. /; Incoming international: $15 ($0 if coming from Chase). Guide to Payment Types, With Pros and Cons for Each, What Is a Wire Transfer? To expand the scope of services provided and our market share, we then acquired Diqi Shangye Yinhang [Seventh Commercial Bank] on 1 January 2007. You understand the Credit Union has a variety of banking channels and means by which to make External Transfers. In view of the potential risk involved in derivatives investment, investors without the general knowledge on derivatives can watch and clearly understand the content of all these four sections below which are extracted from the DVD provided by the Hong Kong Association of Bank ("HKAB") before any purchase of derivative products is made: Important Note at other banks. Cardholders with card issued on or after 1 July 2022 can enjoy Four Cathay Pacific Business class lounge passes per credit card membership year*; and 1) Priority check-in at Premium Economy class counters 2) Enjoy the same priority boarding line for Premium Economy class passengers. External transfers are just one of the different types of transfers that you can make, and there are several different types of external transfers that you can use from the average bank account. UWCCB flagship office at No. /; From your Citibank accounts 2 to any Citi account in the U.S. or selected other countries. Setting up external accounts for transfers, Creating a payment from an existing template. Started the external transfer from my regular bank account on 3/14/20 and the money entered the cit bank account on 3/17/20 but was not available. Investment Funds: Cathay Capital, Cathay Securities Investment Trust, Fubon Securities Investment Trust . Please apply to reset the password or user name. If you have any concerns about online security or account activities, please call +852 2877 5488 during working hours to contact our service staff and change your password as soon as possible. endstream endobj 230 0 obj <>stream External transfers are a fundamental part of the modern banking system, allowing individuals and corporations to move money easily between accounts. Three, check into their communication avenues. When entering the information in such fields, the AutoComplete" function would suggest the corresponding data matched from the information being stored for the fields of website address, search engine, stock quotation, name of folder or application, or the information filled in other websites previously. From second year and onwards, Cardholders will be charged annual fee on the anniversary of Card opening month. Since Taiwan's entry to the World Trade Organization (WTO), we have faced intense competition from multinational financial conglomerates. As a financial institution, we are unable to provide any tax advice. Up to 20 transactions . ACH Transfers vs. Wire Transfers: What's the Difference? Before You Wire Money.. Cathay United Bank All rights reserved. Most banks will allow you to set up a standing order to transfer a specified amount of money on a regular schedule to an external account. 0000011024 00000 n For the definition of Average Daily Relationship Balance, please refer to Service Charges Guide. If you are still unable to access Online Banking, contact Online Banking Customer Service for assistance at 1-800-656-6561. Business customers should call 1-877-229-6428. Otherwise, the password will be expired. Using an external transfer, you can send money to an account that you hold or one held by someone else. Routing Number vs. Account Number: What's the Difference? We also reference original research from other reputable publishers where appropriate. Asia Miles Privileges are provided by Asia Miles Limited and respective merchants. Close Ests ingresando al nuevo sitio web de U.S. Bank en espaol. 0000001486 00000 n Close the windows of other internet browsers before login the CUBHK's E-Banking. # New payroll client is required to start using the auto-payroll services successfully with the Bank within 2 months from Priority Banking sign-up. Earn 20 Status Points points for every HKD100,000 eligible spending, up to 100 Status Points during the Promotion Period. This video has been created solely for general information purposes, without taking into account any person's objectives or needs. Please go to the [Corporate Governance] area to download the annual report, 2006 prospectus for the merger of Seventh Commercial Bank and capital increase (capital increase coming into force), 2006 prospectus for the merger of Seventh Commercial Bank and capital increase (a draft). }NDY+jwDi:ocu1UWs_VE$\V,7kSp2aI%V/H"0L9( $5H6SmaR $A 4+3pVYpv.%nQJh~[["8$. Never access CUBHK's E-Banking via the link in e-mail, unknown applications or internet search engines. payroll processing on a Friday morning). This means that funds sent via ACH can take from one to four days to move from one account to another, depending on the two financial institutions involved in the transaction. Definition and How It Works. External Transfer Limits The following limits apply for any external checking or savings account linked in Online Banking: $250,000 per transaction $250,000 per account per day $250,000 per month Cancel a Recurring Funds Transfer You can cancel recurring transfers that you've set up in online banking at any time. The merged bank was renamed "Cathay United Bank Co., Ltd." To expand the scope of services provided and our market share, we then acquired Diqi Shangye Yinhang [Seventh Commercial Bank] on 1 January 2007. Then mail the Application Form to the "Deposits Team, Cathay United Bank Hong Kong Branch, 10th Floor, Lee Garden Three, 1 Sunning Road, Causeway Bay, Hong Kong". Each User Name should be unique, and should not consist of any combination that is easy to guess, such as the customer's name. 0000004671 00000 n DO NOT use personal ID number, phone number or similar numbers as password. Monthly limits are based on a rolling 30-daycalendar period.
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