Using Business Credit Cards Strategically
By Jean Folger AAA |
Credit cards can be an essential source of funding for a company – especially a smaller one – providing necessary cash flow to help maintain and build your business. In addition to a revolving line of credit that can be used to make purchases and cash withdrawals, many business credit cards offer record-keeping tools to help track, categorize and manage expenses, and rewards programs – including cash back incentives, airline miles and discounts – to help stretch your dollars.
Like consumer credit cards, however, business cards make it easy to rack up big balances (and the corresponding interest charges and fees). Without a good system in place, it can be difficult to keep track of – and keep a handle on – credit card spending, which ultimately affects your bottom line. Here, we take a look at strategies to keep spending under control and help you use your business credit card effectively.
1. Set Up an Accountability System
“The most important step a small business can take to make sure credit cards are used effectively is to set up a bomb-proof accountability system,” says John Burton, CEO of Moonshadow Learning Services, a leadership development company near Asheville, N.C. “This could mean everything from pre-approval of all credit card spending, to rigorous requiring of receipts, to pulling credit cards from those who do not report completely and on time with receipts,” says Burton.
To maintain control over credit card spending, it’s vital to create a comprehensive accountability system, including how spending is approved, reported and recorded. Have it in place before the first credit card arrives and, Burton says, be consistent, rigorous and fair, and tolerate no exceptions. “If there is a policy of requiring all accounting and receipts to be turned in by the 10th of the following month, say, or whatever day, have a ‘no exceptions’ policy,” he emphasizes. “This raises everyone’s awareness about how seriously the company takes stewardship of its funds. Giving someone a credit card with a $5,000 spending limit is like handing them a blank check.”
2. Decide Who Gets a Card
Burton acknowledges the challenges employers may face in deciding who gets a credit card. “I’ve seen businesses that lost control of credit card spending by issuing too many cards to too many people, and thinking that all important officers and travelers needed the convenience of a company credit card,” says Burton. While giving everyone a credit card might seem like the right or easy thing to do, it can lead to a “dysfunctional, expensive system, and a serious lack of control and accountability,” he explains.
Use alternatives and establish rules. “Many companies, especially with sales people, reimburse for company spending on personal credit cards with excellent accountability – i.e., no receipt, no reimbursement,” says Burton. It is helpful, however, to have clear rules regarding who gets a card, whether it’s based on seniority, position or some other factor(s). This can help avoid confusion and mitigate bad feelings from employees who would like a card, but are not eligible.
3. Set Limits
Every business should have clear policies about spending, including which expenses can be put on cards, how much employees can spend and how often they can use their cards. It’s important to put the policy in writing, and have every employee who is issued a card read and sign it. After they do, give each cardholder a copy to use for reference.
“Potential credit card users should know the rules on pre-approval of spending and when it’s okay to use a company card,” Burton says. If your business doesn’t have a clearly stated policy in place, it can become easy for credit card users to justify any expense, even those you didn’t intend to cover. “You have to specify if it’s O.K. to spend on alcohol at a meal, if there’s a limit on meals, the dollar limit above which non-routine approval must be obtained, and if a staff person gets meals paid for on non-overnight travel,” says Burton.
Depending on the business card, you may be able to set up restrictions that limit transactions to a certain dollar amount, spending category, and even certain days and times. With some cards, you can set up individual restrictions for each employee. For example, you may limit one employee to $50 a day any day of the week for gas purchases, while limiting another to $100 for gas and $50 for meals each day, but only on business days.
4. Be Watchful
Many business credit cards allow you to set up activity alerts that arrive as text or email messages. The alerts can be set up to notify you each time a transaction takes place, or only if an employee uses (or tries to use) a card in an unapproved manner. You can also take advantage of online and/or mobile banking to view up-to-the-minute account activity. It goes without saying that you (or your accounting department) should review each statement to make sure each line item is a charge you authorized.
5. Use Credit Wisely
While credit cards are easy to use, they’re not always the best choice, especially for large purchases that can’t be paid off in full before interest kicks in. “If a business uses a credit card to make a big capital purchase and therefore doesn’t intend to pay it off immediately, it’s important to consider the interest cost tradeoff with another kind of financing,” Burton says. The interest rate on credit cards is typically much higher than for small business loans, so even though it takes extra effort to secure a loan from a bank or other lending institution, it often makes financial sense to do so.
It’s also possible that a large purchase – or a couple of large expenditures – can max out your credit card and leave you without a line of credit. “This kind of spending can impact spending limits and availability of credit if overused,” Burton says.
The Bottom Line
Business credit cards provide access to a revolving line of credit with a set credit limit so your company can make purchases, withdraw cash and benefit from any rewards the card offers. Credit cards eliminate (or at least reduce) the need to write checks and reimburse employees. They also provide expense documentation through monthly statements and other accounting tools. In addition, business credit cards offer convenience, and employers can set up systems and policies to make sure spending is kept under control and that cards are used cost-effectively.
“Good policies and habits must be established from the start. It’s not designed to be penal, just good practice,” says Burton. For more information, read The Pros And Cons Of Small Business Credit Cards.
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TAGS: Credit Cards Credit Cards – Business Credit Cards – Deals Small Business
Source:http://www.investopedia.com/articles/personal-finance/091214/using-business-credit-cards-strategically.asp
Serve is a Reloadable Prepaid Account that can be used for everyday purchases virtually anywhere American Express® Cards are accepted worldwide. With Serve, you can also send and receive money by email, text, and Facebook and access your Account with the mobile app. Serve has no credit checks, no monthly or annual fees, and no long-term commitments.
There are no fees to set up a scheduled transaction. Please note that your credit card company may charge you a cash advance fee for loading money from your credit card. Please check with your credit card issuer for details.
Direct Deposit is an easy way to fund your Serve® Account from your paycheck. You can have all or part of your paycheck automatically added to your Serve Account through your employer.
If you’ve activated your Serve® Card and your employer participates, you can enroll in Direct Deposit. Just log into your Serve Account and click on Bank & Cards under My Account. There are two ways to enroll. Under Sign Up for Direct Deposit, you’ll see a button to Get Account Information, which will show you the information you’ll need to fill out your employer’s form. Or click Open Form to download the Serve form that you can print, fill out, and give to your employer.
American Express has been innovating commerce since 1850, that’s a rich history of understanding where commerce has been. But technology has changed –– and continues to change –– the way people connect to each other, to their money, and to the businesses they love most.
Serve combines that rich history with new technology and accessible benefits to bring American Express membership
to more people.
American Express Serve Prepaid Card Balance Check
You can check your balance through ATM’s, online and or your mobile app.
Check Balance Online
To view your balance or transaction history, log into your Serve Account online. You can view your transaction history and Account balance on your homepage after you’ve logged in. Visit: https://www.serve.com/
Check Balance by Phone
To view your balance or transaction history, log into your Serve Account online using your mobile app. For Serve Account inquiries, you may contact them at 1-800-954-0559, 24 hours a day, seven days a week.
To login to your American Express Serve Prepaid Card Account
You must first create your account on Serve (https://www.serve.com/). Click the “Create Account” button to activate the form for signing up. When you’re finished, you are now ready to log in your account and you can view your transaction history and account balance on your homepage after you’ve logged in.
UPside is a money management service that comes with an UPside Visa Prepaid Card, an online virtual check book, and many other one-of-a-kind services. You can receive funds through direct deposit, cash loads at more than 50,000 retailers nationwide, check cashing, and credit or debit card. Because it’s prepaid, your spending is limited to the amount of money received on the account. All purchases and payments that you make with your UPside card are decremented from your available balance in real time. And, unlike most other prepaid cards, you will earn reward points redeemable for cash back onto your card.
The UPside prepaid card account has lower fees than other spending cards available. And the majority of these fees can be avoided by managing your card correctly – checking your balance online, loading funds from an employer or from a checking account.
UPside Visa Prepaid Card Summary of Fees |
Fee Category/Type | Amount | Typical Use |
---|
Total cost of set up: |
Card purchase | Free | 1/lifetime |
Monthly fee | | |
if loading < $500/month | $4.95 | 1/month |
if loading > $500/month | $0.99 | 1/month |
if Premium status1 | Free | 1/month |
Optional second card | | |
purchase | $1.99 | 1/lifetime |
if loading < $1000/month | $1.99 | 1/month |
if loading > $1000/month | Free | 1/month |
Add money: |
Direct deposit | Free | 2/month |
Cash using MoneyPak® or Swipe Reload at 7-Eleven and CVS | $4.95 (charged by store) | 1/month |
Swipe Reload at Walmart | $3.74 (charged by store) | 1/month |
Pre-Printed Payroll or Government Check with Walmart Rapid Reload | $3.74 + check cashing fee (charged by store) | 6/year |
From another UPside card | Free | 2/year (IOU’s) |
From a debit or credit card | $2.80 | 1/year (for emergencies) |
Get cash: |
From ATM | $1.952 | 2/month |
Store Cash Back (up to $60) | Free3 | 2/month |
Spend Money: |
Signature | Free | 6/month |
PIN | Free | 8/month |
Online Check Service | | |
If Classic status (up to $800 only) | $2.00 | 1/month |
if Premium status1 | 1st monthly check Free | 1/month |
under $500 (Premium Only) | $1.00 | 1/month |
$500.01 to $1000 (Premium Only) | $2.00 | 1/month |
$1000.01 to $1500.00 | $3.00 | 1/month |
When traveling abroad | 2% on top of exchange rate | 1/year |
Information: |
Call Customer Service | | |
automated IVR access | $0.99 | 3/year |
speaking to live agent | $2.00 | 1/year |
if Premium status1 | Free | 3/year |
Email / Online / Mobile App | Free | 8/month |
ATM Balance Inquiry | $0.992 | 3/year |
Incidentals: |
Decline at POS | Free | 1/month |
Negative balance | Free | 2/year |
Decline at ATM | $2.00 | 3/year |
Inactivity | Free | 1/year |
Card replacement | $9.95 | if lost |
if expedited | $30.00 (additional) | if lost |
PIN Change | $0.99 (First free) | 1/lifetime |
Closing account | Free | 1/lifetime |
Check issuance at account closure | $12.00 | 1/lifetime |
1Earn 15,000 UPgrade points to become Premium Member Earn UPgrade points by: Direct Deposit = 2000 UPgrade points per load (over $200) + 1 UPgrade point per $1 MoneyPak loads = 1 UPgrade point per $1 Credit/Debit Card loads = 1 UPgrade points per $1 | 2Fees charged by ATM network may apply. Withdraw up to $400/transaction; $500/day.3Up to $60/transaction; 15 transactions/month. |
|
ATM Fees: When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
International Transaction Fee: If you obtain your funds (or make a purchase) in a currency or country other than the currency or country in which your Card was issued, or make a purchase from a merchant using a bank that uses currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by Visa U.S.A. Inc. (“Visa”) into an amount in the currency of your Card. Visa U.S.A. Inc. will establish a currency conversion rate for this convenience using a rate selected by Visa U.S.A Inc. from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate Visa U.S.A. Inc. itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. This percentage amount is independent of any amount taken by the issuer in accordance with the following section of these Terms & Conditions.
If you obtain your funds or, make a purchase in a currency or country other than the currency or country in which your Card was issued, or make a purchase from a merchant using a bank that uses currency other than the currency in which your Card was issued, the issuer may increase the currency conversion rate (described in the immediately preceding section) up to an additional 2% and will retain this amount as compensation for its services. This charge is independent of the currency conversion rate established by Visa U.S.A. Inc.
Plastyc Inc. is a privately held US corporation with a principal office in New York. Our mission is to provide payment and money management services to anyone with Internet access who would rather not drive to a bank and wait in line there.
We address consumers of all ages, including teenagers (13-17), provided that an adult is involved in their enrollment to our services.
We also help companies get paid by consumers easily and efficiently, or even pay contributors out instantly and at no cost.We have partnered with established financial institutions such as
Meta Payment Systems, payment systems networks like Visa & Green Dot Corporation, and processors like Fidelity Information Services.
We are committed to adhering strictly to the industry rules and regulations, as required by our financial institutions partners: the USA Patriot Act, the Bank Secrecy Act, the Gramm-Leach-Bliley Act, the list checks of US Treasury’s Office of Foreign Assets Control. We also maintain a strict Anti-Money Laundering policy.
Plastyc’s principals are veterans of the consumer and payment industries, with decades of experience at companies such as GemAlto, Oberthur, Unilever, Thomson/RCA, Sun Microsystems and Mobile365, a company in which both Visa and CitiBank were investors (now Sybase365)
For further corporate inquiries about the company, please contact us at [email protected].
Upside Prepaid Card Balance Check
You are able to check your balance in many ways:
- Online by logging onto your online card account
- From your downloaded UPside Mobile App (available for Android and iPhone)
- By calling customer service at 1-866-845-6273
- By using your cell phone’s internet browser and logging into your prepaid account at m.upsidecard.com(cardholders only)
- From your Facebook UPside Application
- Through ATM terminals with the Visa, Plus or Interlink logo.
Check Balance Online
You can use your UPside Visa Prepaid Card online anywhere Visa debit cards are accepted. When checking out, enter your billing information as asked. The billing address is the address you provided at enrollment. If you would like the merchandise shipped to another address, enter shipping information accordingly. Just logging onto your online card account here.
Check Balance by Phone
You can check your balance from your downloaded UPside Mobile App (available for Android and iPhone), by using your cell phone’s internet browser and logging into your prepaid account at m.upsidecard.com(cardholders only) or by calling customer service at 1-866-845-6273.
To login to your Upside Prepaid Card Account
If you wish to have a Upside Prepaid Card, you must be over 18, inorder to enroll for the UPside prepaid card. There is no fee involved or money needed to enroll, but you will need a Social Security Number for verification of your date of birth. Click here to sign up a account. After your successful registration. Click here to log in your Upside Prepaid Card account.
The Paypal Prepaid MasterCard is issued by The Bancorp Bank pursuant to license by MasterCard International Incorporated. The Bancorp Bank; Member FDIC. NetSpend is an Independent Sales Organization pursuant to an agreement with The Bancorp Bank.
There is no cost to place an online order for a PayPal Prepaid Card, or for the card we make available through the no-obligation mailed offer. Once you activate either of these cards, you must add funds to the card in order to use it. Upon adding funds, you will be automatically enrolled in the $4.95 per month fee plan which lets you make unlimited purchase transactions (subject to funds availability). To view this monthly fee, and the other costs associated with using the card, see the “Fees Related to the Service” section of the PayPal Prepaid Card Cardholder Agreement.
There is a $4.95 cost to purchase the temporary card at a retail location, and you will need to add funds at the time you purchase the card. Depending on which retail location you visit, the minimum initial load value will be either $10 or $20. The maximum initial load value will be $500.
Enrolling in direct deposit service is easy, no matter where a deposit comes from.
- Pay Checks: All or part of your pay check can be direct deposited to your PayPal Prepaid Card. You will need to provide your employer with The Bancorp Bank’s ABA routing number (031101169) and your card account number. Your card account number is not the 16-digit number on the card.
- Government Payments: The Benefits Express service makes it easy to set up direct deposit of government payments like Social Security, SSI or SSDI payments, or Veterans Administration compensation. Cardholders who have linked their PayPal Prepaid Card with their PayPal Account can also log-in to the online Account Center to enroll.
- Tax Refunds:Get your tax refunds faster than you would by having a check sent to you in the mail. Just include The Bancorp Bank’s ABA routing number (031101169) and your card account number on your tax return. Your card account number is not the 16-digit number on the card.
Transfers from the PayPal Account to the PayPal Prepaid Card are limited to the amount of funds available in your PayPal Account and may not exceed $300 a day/$2,000 per rolling 30 days. Overdrafts are not available. Money cannot be moved directly from individual funding sources like credit or debit cards, bank accounts, etc., attached to the PayPal Account to the PayPal Prepaid MasterCard Account. Money transfers from the PayPal Account to your PayPal Prepaid MasterCard cannot be reversed or cancelled.
PayPal is the faster, safer way to pay and get paid online, via a mobile device and in store. The service gives people simpler ways to send money without sharing financial information, and with the flexibility to pay using their account balances, bank accounts, credit cards or promotional financing. With 128 million active accounts in 193 markets and 25 currencies around the world, PayPal enables global commerce, processing more than 7.6 million payments every day. Because PayPal helps people transact anytime, anywhere and in any way, the company is a driving force behind the growth of mobile commerce and expects to process $20 billion in mobile payments in 2013. PayPal is an eBay (Nasdaq:EBAY) company and contributed 40 percent of eBay Inc.’s revenues in 2012. PayPal is headquartered in San Jose, Calif. and its international headquarters is located in Singapore. More information about the company can be found at www.paypal-media.com.
Paypal Prepaid MasterCard Balance Check
There are a variety of ways to check your card account balance. You can use online banking, through telephone and also in any MasterCard ATM. There is no fee to use the first two balance inquiry methods, there is a $0.50 fee for checking your balance at an ATM.
Check Balance Online
In order to check the card account balance using your online Account Center, you must have, or establish a PayPal Account and link it to your PayPal Prepaid Card. To enroll a Paypal Account, just click here.
Check Balance by Phone
All cardholders may call our toll-free Customer Service telephone number, use our real-time alerts service (pre-enrollment is required to use this service – standard text message rates from your wireless service provider may apply.), or check the card’s balance at an ATM. Click here to contact PayPal.
To login to your Paypal Prepaid MasterCard Account
First, you must sign up for a PayPal account. Go to this link. After enrolling a PayPal Account, link it to your PayPal Prepaid Card and simply log in to PayPal Prepaid using your PayPal account. Click here to log in your Paypal Prepaid MasterCard.
Get the purchasing power you need with a prepaid, reloadable BB&T MoneyAccount®. It’s a smart way to manage and protect your money.
- Apply in minutes—no credit check or bank account required
- Spend only the funds you have available in your account
- Make purchases, pay bills online, get cash back and more
- Use direct deposit to avoid costly check-cashing fees
Enjoy the benefits of a checking account with the convenience of a prepaid, reloadable debit card.
- Manage your account with ease—spending is limited to available funds
- Establish financial responsibility—ideal for young adults or students
- Enjoy hassle-free spending—perfect for frequent travelers and online shoppers
- Share joint accounts with your spouse, child, relative or friend
BB&T Prepaid Debit Card Pricing
SERVICE AND USAGE FEES
Chase Liquid is a reloadable card that can be used virtually anywhere VISA® debit cards are accepted.It allows you to manage your money and gives you access to over 19,000 Chase ATMs and 5,600 branches nationwide where you can load money to your card, make no fee cash withdrawals and more.
There is no fee to open a Chase Liquid Card, but a $25 minimum load is required along with a credit check. Click here to know more information about the fees
You can load paychecks, government benefit checks, and tax refunds by signing up for Direct Deposit. You can also deposit checks using Chase QuickDepositSM, make a cash or check deposit at a Chase DepositFriendlySM ATM or branch, or transfer money onto your card online, with Chase Mobile®, at a Chase ATM, or by phone.
To sign up for Direct Deposit: Log on to Chase OnlineSM, click on the Customer Center tab, and download the Direct Deposit form. Complete this form and give to your employer’s payroll department to request Direct Deposit of your payroll check. You can use this same form to set up Direct Deposit of government benefit checks and tax refunds, too.
Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading global financial services firm with assets of $2.3 trillion and operations in more than 60 countries. We are the neighborhood bank for thousands of communities across the country. We serve approximately one of out of every six Americans through more than 5,600 bank branches; 19,000 ATMs; mortgage offices; online and mobile banking; as well as relationships with auto dealerships, schools and universities.
Here are just a few examples of how we may be helping you today:
- Serves 21 million households with consumer banking relationships.
- Services 7 million mortgage and home equity loans.
- Offers investment products and solutions to more than 1.6 million customers.
- Provides more than $50.3 billion in financing and lending to metropolitan-area governments and non-profits across the country.
With such a broad range of businesses, our mission at Chase is quite simple: to be the industry leader in customer service. And we have more than 160,000 employees across the world to help us achieve it.
Chase Liquid Prepaid Card Balance Check
There are several convenient ways to check your Chase Liquid balance:
- Sign up for Account Alerts by email, text message, phone call or iPhone push notification.
- Visit Chase.com, call us at 1-877-712-0088 or go to any Chase ATM or your nearest branch to obtain your balance.
- If you are enrolled in Chase Mobile® and have signed up for text banking, you can also text “bal” to 24273 and we’ll send a text back with your available balance.
There is no charge from Chase but message and data rates may apply. Such charges include those from your communications service provider.
Check Balance Online
Banking at the branch is only the beginning. Chase Online Banking gives you a variety of services that help you use and manage your Chase accounts, when and where you want.
To access your account and check your balance online simply go to Chase.com to set up online access to your Chase Liquid Card. If you have any questions, you can visit a branch or contact.
You can see and update your profile settings in the Customer Center at Chase Online.
Check Balance via Mobile
Chase makes it easy for you to check to see how much money is in your account. Just send a text to 24273 and we’ll send you a text back with your balance and more.
To log in to your Chase Liquid Prepaid Card Account
Banking at the branch is only the beginning. Chase Online Banking gives you a variety of services that help you use and manage your Chase accounts, when and where you want.
Logging in your Chase Liquid Online is both hassle-free and worry-free.
You only need to enroll here
You will be asked for your:
1. Social Security or Tax ID Number
2. Any account, credit or debit card numbers
3. Access to a phone or email you provided them in the past
HDFC Bank offers multiple prepaid debit cards that can be utilized by small business owners, travelers or other individuals. Prepaid debit cards are very similar to credit cards except the only difference is that you can only spend the amount of money that you deposit on the card. HDFC prepaid cards act very similar to a regular debit account that you’ll find at a regular financial institution.
HDFC Prepaid Card Login
After you login to your account there are unique features available to you that make it one of the most convenient ways to manage your money. For international trips, you can regenerate your ATM/IPIN, activate a backup card, check the balance and more with a ForexPlus Platinum Card.
What You Need to Login
To login to your HDFC Bank card, you will need your card number first. This number can be on the front of your card and you’ll have to input it on the page. If your card is lost or stolen, then you need to contact their customer service line.
Visit this page to login.
When you login, make sure that there is a lock in the upper left hand part of the screen. This way you can confirm the website is secure and you are not at risk of getting scammed or losing your account.
Login to your account nowTypes of HDFC Prepaid Cards:
ForexPlus Card
– Complete answer for travelers going on any type of international trip
– Fast support for card issues ie. lost or stolen
ForexPlus Platinum Card
– Support for three currencies – viz. USD, GB Pound & Euro’s
– Recommended by travelers across the world
ForexPlus Chip Card
– Ultimate protection for counterfeiting and skimming
– Access to the card worldwide
GiftPlus Card
– Standard prepaid card / non-reloadable
– Makes a great gift for any occassion
Mudra Gift Plus Card
– Reloadable prepaid card that acts like a debit account
– Able to purchase Silver / Gold from HDFC Bank branches
FoodPlus Card
– Eliminates the need for paper vouchers
– Simple to use meal allowances
MoneyPlus Card
– A business solution
– Make payments to employee cards with MoneyPlus
About HDFC Bank: HDFC Bank was incorporated in August 1994 and has a nationwide network of 2,620 branches and 10,469 ATM’s in 1,454 Indian Towns and Cities. They have a single-minded focus on financial product quality and service excellence for all of their clients. Because of this focus, they have experienced rapid growth over the past nine years.
You have three options to reach customer service for your Walmart Money Card. You can call Walmart MoneyCard support, visit a Walmart store, or send an email. The best way to get the help you need is by emailing customer support.
Email Customer Support
The best way to reach customer support is through the online email option. You will not get an immediate response, but this has been rated at the most effective way to get your problem resolved.
Visit Walmart Support here and fill in the information that is requested. We recommend to be as detailed as possible although you are limited to 300 characters in total. Do not reveal your specific account information, pin number or card transaction history.
You will get a call back from Walmart customer service.
Fill out this form for the best MoneyCard Support
Call Walmart Money Card Support
The MoneyCard support team can be reached at 1-877-937-4098. You will be put on hold and depending on how you received your card, you may not be eligible to speak with a real person. This is why we recommend that you submit the email form and just wait for a response. You don’t want to waste your time on the phone only to find out that they can’t assist you!
Visit Walmart Financial Centers
Visit your local Walmart financial center to find out more information about your account. Use this free locator to find the nearest Walmart to you. Warning: not all locations have a financial center so we recommend that you call ahead.