Milestones To Success

The Golden Peacock Innovative Product & Service Awards

March 2019

We are pleased to announce that Fullerton India won the prestigious Golden Peacock Award 2019 in the Innovative Product/Service category.

“The Golden Peacock Award is a recognition of the significant initiatives we have undertaken to enhance the organisation’s digital prowess through use of micro services architecture. Providing top quality products and solutions to our customers is the most important goal of our business. We are honoured by the above recognition. It encourages us to develop more efficient methods, while providing the most cutting-edge solutions.”

About Golden Peacock Awards:
The Golden Peacock Awards, for Corporate Leadership and Institutional Excellence over time, have become a hallmark of excellence, both locally and globally. They are regarded as a benchmark of Corporate Excellence worldwide. The Awards are bestowed annually and are designed to encourage total improvement in business.

Finnoviti Awards 2019

January 2019

Fullerton India bagged many awards at the prestigious Finnoviti Awards 2019. This year, the theme was “Phygital”, to underline the close relationship between digital technologies that transform banking and financial services and physical or human touch that is key to enhancing customer experience and decision making processes. The award ceremony was dignified by the presence of many eminent executives of the Indian BFSI industry.

Fullerton India Featured in the Best of India Records!

January 2019

We are extremely pleased to announce that Fullerton India is featured in the Best of India Records for its ‘Pashu Vikas Day’, as the World’s Largest Cattle Care Programme benefiting over 40,000 cattle in a single day. The Pashu Vikas programme is one of Fullerton India’s CSR efforts in enhancing rural livelihood. Through this programme, thousands of cattle farmers are reached out to and given advice on cattle healthcare.

Future of Marketing Summit & Awards

October 2018

We are pleased to announce that Fullerton India has won 3 awards at the Future of Marketing Summit and Awards scheduled on Thursday, 25th October, 2018. We won the “Best Internal Campaign” for our marketing strategy to boost sales during the last quarter of 2017 as well as the branding activity for our internal activities. Next, we won the “Best Low Budget Digital Campaign” for our Digital marketing campaign by using Google’s programmatic buying platform to target the right audience for Digital Personal Loans. Finally, we won the “Best Email Marketing Campaign” for our Email marketing campaign by using a statistical model to understand the correlation between Paid and Organic campaigns.

About UBS Forums:
UBS Forums aims to create and bring around a Transformational Leadership for Individuals and Industry. They conceptualise and execute Unique Business Transformative sessions. These session have formats ideal for specific learning and information needs. Their business forums enable deep diving into solutions for current challenges and enable transformative learning through an ideal mix of panel discussions, case studies, best practices and think tank sessions to actively engage participants beyond the traditional one way information stream.

Fullerton India Bags Gold at the ACEF Awards

October 2018

We are pleased to announce that Fullerton India has won Gold at the Asian Customer Engagement Forum & Awards. The entry was a part of the ACEF’s Engagement & Communication Award ceremony organised on 5th October, 2018 at Mumbai. “Best PR Campaign” was awarded to Fullerton India for its efforts to promote the Sakhi & Safepad CSR initiatives and the launch of Samriddhi Loans during International Women’s Day. The winners were selected by an eminent panel of jury members including Business and Marketing leaders from the industry.

About ACEF Awards:
Founded in 2012-13, the ACEF programme is organised by a team of professionals from India, Srilanka and UAE and is guided by the Advisory Members from Branding, Marketing and Creative Agencies based in India, US, Australia, Singapore, UAE and Srilanka. The ACEF awards and progammes are focused on Customer Engagement Activities, Branding, Marketing, CSR, Rural Marketing, Properties (Hospitality & Real Estate), HR and are planned for India, Srilanka, GCC Continent and Asia Pacific Regions.

mCube Conference and Awards

August, 2018

We are extremely pleased to announce that Fullerton India has won 3 awards – Best PR Campaign, Best Performance Driven Mobile Campaign & Best Email Marketing Campaign at the mCube Conference and Awards – Masters of Modern Marketing 2018. The award function was held on 23rd Aug 2018 at Mumbai.

About mCube Conference and Awards:
mCube Conference and Awards is an endeavour to acknowledge, reward and discuss the pioneering and impactful work being done in the marketing space by individuals, agencies, brands and communities. It is one of the most exhaustive and all-inclusive programme in India from the perspective of modern marketing methods.

Ad Tech India award 2018

March, 2018

We are pleased to announce that Fullerton India has received 3 awards – “Gold” for Digital Marketing excellence in BFSI Services, “Gold” for Excellence in Email Marketing and “Bronze” for Data Analytics & Data driven Marketing presented by Ad Tech India at the award function held on 9th Mar 2018 at The Leela Ambience, Gurgaon. These awards were judged by an eminent panel of jury – which included thought leaders from the advertising ecosystem.

About DIGIXX Awards: The DIGIXX Awards are designed to recognise and celebrate excellence in Digital Marketing & Advertising. These awards seek to set industry-wide benchmark in digital engagement and recognise the brands undergoing digital initiatives that are innovative, creative and effective.

Outlook Money magazine

March, 2018

We are pleased to announce that Fullerton India has been awarded as the Retail NBFC of the Year by Outlook Money magazine for the second consecutive year. Mr. Ajay Pareek – Head of Urban Business and Mr. Vishal Wadhwa – Head of Rural Business received this award on behalf of Fullerton India at the 16th Edition of Annual Outlook Money Awards 2017 ceremony, held on 8th Mar 2018 at St. Regis Hotel, Mumbai. Outlook Money Awards is a prestigious award in the financial services domain. Every year, it recognises institutions and professionals across the financial services industry based on holistic parameters, keeping the consumer interest at the centre, be it products or services.

The selection of the award winners was decided by an eminent panel of jury members comprising of Shaktikanta Das – an IAS officer & the retired Economic Affairs Secretary, Prashant Saran – regulator in financial sector for over three decades, Rajesh Mokashi – Managing Director & CEO of Credit Analysis & Research Ltd. (CARE ratings) and Shailesh Haribhakti – Group Chairman of DH Consultants Pvt. Ltd.

Mumbai Brand Summit 2018

March, 2018

We are pleased to announce that Fullerton India was recognised as one of Mumbai’s Hot 50 Brands at the Mumbai Brand Summit organised by Paul Writer. The award ceremony was held on 15th February at The St. Regis hotel, Mumbai. The winners of the Mumbai Hot Brands were diligently selected by a mix of popular voting and an elite panel of jury members like distinguished business leaders, jurists, academics, environmentalists, economists and legislators.

About Mumbai Brand Summit 2018 Mumbai is not just the financial capital of India but is home to century-old brands as well as digital-age fast-growth startups. Some are homegrown success stories, others global brands who have their India headquarters here. In line with Paul Writer’s vision to raise the bar for marketing through research, peer learning, & sharing best practices, Oracle presented the Mumbai Brand Summit. The brand summit was conceptualized as a power-packed afternoon of discussions, sharing, & learning followed by an evening celebrating the achievements of the ‘Mumbai Hot Brands’.

Two Golds in Digital Industry Awards 2017.

October, 2017

Fullerton India has won two GOLDs in Digital Industry Awards 2017 for:

• Best Performance Driven Digital Campaign
• Best Use of Email in a Digital Campaign

Congratulations on the Double Win!

October, 2017

We are pleased to announce that Fullerton India has won two awards from Asian Customer Engagement Forum & Awards (ACEF Awards).

The Company won Gold for ‘Cattle Care Initiative – Pashu Vikas Day’ under the ‘Social Impact’ category and Bronze for ‘Joy of Giving (Ek Muthhi Chawal)’ under the ‘ Best Employee Engagement Programme of the Year’. Ms. Anne Williams, SVP – Human Capital and Mr. Amol Bhalerao, VP – CSR received these awards on behalf of the Company, at the ceremony held on 29th September at Westin Hotel, Mumbai. The winners were selected by an eminent panel of jury members – including Business and Marketing leaders from the industry.

About ACEF: Founded in 2012-13, the ACEF programmes are organized by a team of professionals from India, Srilanka and UAE and are guided by the Advisory Members from Branding, Marketing and Creative Agencies based in India, US, Australia, Singapore, UAE and Srilanka. ACEF award programmes are focused on Customer Engagement Activities, Branding, Marketing, CSR, Rural Marketing, Properties (Hospitality & Real Estate), HR and are planned for India, Srilanka, GCC Continent and Asia Pacific Regions.

Best Social Responsibility Campaign/Project for its Pashu Vikas Day presented by DMAasia.

Aug, 2017

Fullerton India has won the Best Social Responsibility Campaign/Project for its Pashu Vikas Day presented by DMAasia.

Ms. Ayoshmita Biswas, VP & Head – Marketing, Corp Comm & CSR received the award on behalf of the Company at the DMAsia Annual Conference and Awards held on 23rd August 2017 at The Leela, Mumbai. The winners were selected by an eminent panel of jury members like distinguished business leaders, jurists, academics, environmentalists, economists and legislators.

About DMAasia: DMAasia is a transforming platform where marketing minds draw closer, harnessing the power of collaboration and creativity. Inspiring unprecedented ideas for the world. DMAasia is committed to creating a more relevant, sustainable and ethical environment for the marketing fraternity. With a broader geographical focus and wider business network, DMAasia will transform members into change leaders with evolved business strategies and relationships that support personal and professional growth objectives in data driven marketing.

Limca Book of Records

March 2017

We are extremely pleased to announce that Fullerton India is featured in the Limca Book of Records for its ‘Pashu Vikas Day’, which is the largest cattle care programme in India with over 40,000 cattle benefitting from it in a single day. The national record is based on Fullerton India’s cattle care events titled Pashu Vikas Day in 2014 and 2015. The Pashu Vikas programme is one of Fullerton India’s CSR efforts in enhancing rural livelihood. Through this programme, thousands of cattle farmers are reached out to and given advice on cattle healthcare.

Fullerton India has been ranked 6th in the ‘Dream Companies to work for’, presented by Times Ascent.

Feb, 2017

Fullerton India has been ranked 6th in the ‘Dream Companies to work for’, presented by Times Ascent.

Fullerton India received the award from Dr. Marshall Goldsmith, an Author & American leadership coach, Prof. Indira Parikh and Dr. Arun Arora, former President and CEO, The Economic Times. Distinguished business leaders, jurists, academics, environmentalists, economists and legislators were part of the award ceremony.

Fullerton India awarded as the ‘Retail NBFC of the Year’ by Outlook Money.

Jan, 2017

Mr. Rakesh Makkar, EVP & Head of Business, Marketing and CSR, received this award on behalf of Fullerton India from Shri Murali Manohar Joshi, Member of Parliament and Narayan Krishnamurthy, Editor of Outlook Money. Outlook Money Awards is a prestigious award in the financial services domain. Every year, it recognises institutions and professionals across the financial services industry based on holistic parameters, keeping the consumer interest at the centre, be it products or services. The selection of the award winners was decided by an eminent panel of jury members comprising of Ashish Kumar Chauhan - Managing Director and CEO, Bombay Stock Exchange (BSE), Prashant Saran - Former Whole Time Member, Securities and Exchange Board of India (SEBI), Rajesh Mokashi - Managing Director and CEO, Credit Analysis and Research Ltd. (CARE Ratings), Rajiv Kumar - Senior Fellow, Centre for Policy Research (CPR) and Shailesh Haribhakti - Group Chairman, DH Consultants Pvt. Ltd. The entire evaluation process for the awards was conducted by CARE Ratings.

Fullerton India bags Golden Peacock Award for HR Excellence.

Jan, 2017

Fullerton India has won the much coveted Golden Peacock HR Excellence Award 2016 in the Financial Services category.

The selection of the award winners was done by an eminent jury under the Chairmanship of former Supreme Court Chief Justice M N Venkatachalaih. Mr. Swaminathan Subramanian, EVP & Head – Human Capital received this award on behalf of Fullerton India from Chief Guest Sri Sri Ravi Shankar, founder of Art of Living, Mrs. Rajashree Birla, Chairperson, Aditya Birla Centre for Community Initiatives and Rural Development, Aditya Birla Group, Mr. S. Chakraborty, Chief Executive, Innovative Financial Advisors. and Lt Gen J. S. Ahluwalia, PVSM (Retd), President, Institute of Directors, India at the 11th International conference on Corporate Social Responsibility held on 20th January 2017 at Bengaluru. The award ceremony was hosted by the Institute of Directors. The attendees of the ceremony included distinguished business leaders, jurists, academics, environmentalists, economists and legislators.

Fullerton India listed in the Fortune India 500 list.

Dec, 2016

Fullerton India listed in the Fortune India 500 list of India’s largest Corporations.

Golden Peacock 'Innovative Product' Award

May, 2014

Fullerton India has been conferred with the coveted 'Golden Peacock Innovative Product Award 2014' for its unique merchandise loan product.

The award was presented by Smt. Sheila Dikshit, Governor of Kerala in Trivandrum. Fullerton India won the award for its efforts in partnering with several manufacturers to promote the adoption of eco-friendly products such as solar lamps, water filter, eco-stoves etc., through a unique financing model for the end-user. Thus, improving the quality of life in over 600 rural towns and 30,000+ villages.

Asset Award - Best Electronic Banking Implementation

April, 2014

Fullerton India Credit Company Limited bagged the Asset Award for Best Electronic Banking Implementation, India in the Asset Triple A Treasury, Trade and Risk Management Awards ceremony held on 8th April 2014 in Hong Kong. The award was won for innovative use of Internet and Mobile platforms. The Asset Awards have been recognised as Asia's defining recognition for excellence in the industry since they were first conveyed in 2004.

Asset Award - Treasurer of the Year, Mr. Arvind Sampath

May, 2014

Mr Arvind Sampath, the Treasury Head of Fullerton India, bagged 'Treasurer of the Year for India' Award, at the Asset Triple A Awards 2014, hosted by Asset Magazine in Hong Kong. The Asset Triple A Awards has been widely acknowledged as Asia's defining recognition for excellence in the industry. The recognition is a reaffirmation of the efforts to elevate Fullerton India's treasury into one of the most skilled and active functions in the Indian NBFC sector.

ABP News Global CSR Award for' Community Development' & 'CSR Leadership'

May, 2014

Fullerton India was awarded the ‘ABP News Annual Global CSR Award for Community Development’ for the second time in a row for our extensive and sustainable contribution to rural India through its various Livelihood initiatives for women. The award was presented in Mumbai on 17th February 2014.

Rural Marketing Award for 'Most Effective Use of Direct Marketing to Rural Consumer'

May, 2014

Fullerton India Credit Company Ltd., bagged the ‘Best Use of Direct Marketing to Rural Customers’ award at the Rural Marketing Forum held in Mumbai on the 14th of February. The award is in recognition of the company’s success in the direct marketing of its products using its robust last mile distribution network in Rural India.

Fullerton India has adopted the ‘Four A’s’ marketing approach which has helped successfully market many products across the branch catchment areas it operates in. The Four A’s approach strategically addresses the biggest challenges of the rural markets. It uses Fullerton India Gramshakti’s strong distribution model to directly market products to consumers, thus leading to increased awareness and sales.

ABP News BFSI Award for ‘Innovative Initiative in Social Sector’ & ‘Best Use of Mobile Technology in Financial Services’

May, 2014

Fullerton India Credit Company Ltd. bagged two awards at the ABP BFSI Awards held in Mumbai on the 14th of February. It won the first award for the ‘Innovative Initiative in Social Sector’ for its unique Merchandise Loan product that enables rural households to access products that provide energy and safe drinking water. The second award was won for the ‘Best Use of Mobile Technology in Financial Services’ for the adoption of innovative bio-metric based transaction devices in the operations of Fullerton India’s rural business, Gramshakti.

In addition to its core business of financial services, Fullerton India has partnered with several companies to promote relevant products like solar lamps, water filters and Eco cook stoves. Using its extensive reach and its 2700-strong team of field officers, Fullerton India promotes these products to its customers, creating awareness and generating interest. More importantly, it enables interested households to adopt these eco-friendly products by providing them a unique Merchandise Loan to acquire these products. From April 2012 to December 2013, Fullerton India financed more than 200,000 solar lanterns, water filters, Eco cook stoves and bicycles. Thus, helping improve the quality of lives and standard of living of nearly 200,000 rural households.

Fullerton India’s Rural Finance Business, Gramshakti, has a strong foothold in seven states of Rural India, with a customer base of over 600,000 rural households. With an enviable reach that covers the last mile between the branch and the end customer in over 30,000 villages, Fullerton India’s Gramshakti network enables financial inclusion of the under-served and un-served segments of the rural markets. It is one of the pioneers in adoption of the innovative bio-metric authentication processes for transactions enabled by mobile hand-held devices, thereby enabling the company to provide better and faster

Flame Award for 'Excellence in Rural Marketing & Communication'

January, 2014

Flame Award for 'Excellence in Rural Marketing & Communication'Fullerton India won a Gold Award at the 10th Annual Flame Awards for 2013 at New Delhi on 17th Jan, 2013. The Flame Awards are given for Excellence in Rural Marketing & Communication and the award was given for the 'Last Mile Distribution & Channel Development Initiative of the Year'. Fullerton India Gramshakti's Marketing Initiative that promotes and helps rural households adopt products like Solar Lamps, Eco-Cook Stoves, water filters, bicycles etc, which improves the quality of lives of rural households and also helps enhance their productivity.

Amity Global 'Corporate Social Responsibility' Award

December, 2013

Fullerton India was awarded the First Runner-up in the medium scale category at the Amity Global Business School CSR Award at Indore, M.P. on 14th December 2013. The Award was given to Fullerton India for its extensive and sustainable contribution to rural India in its efforts to promote Livelihood Advancement Initiative particularly for women.

EMC Transformers Award

November, 2013

Fullerton India was awarded the EMC Transformers Award 2013 at the Annual EMC Forum event held in Mumbai on November 26, 2013. The EMC Transformers Awards seek to identify and recognize the change being brought in the Indian enterprises through the smart and judicious use of IT. Fullerton India won the award for the innovative Desktop Refresh strategy using Citrix technology & Thin Clients in ADaaS (Application Delivery as a Service) model from Anunta.

EDGE Award organized by Information week 'Cloud Computing Award'

October, 2013

Fullerton India won the EDGE Award for its BCP/DR project under 'Cloud Computing' Category, at the EDGE Awards ceremony held on Friday, 25th October in Mumbai. EDGE (Enterprises Driving Growth and Excellence) recognizes and honours companies in India that have demonstrated the best use of technology to solve a business problem, improve business competitiveness, and deliver quantifiable ROI to stakeholders. Fullerton India won the award for innovative use of Cloud Computing to deliver Business Value. The solution included setting up a dual data centre for redundancy and for disaster recovery purpose without incurring major capital investment in building up the secondary data centre.

FIPS (Financial Inclusion & Payment Systems) 'Contactless Payments for Rural Customers' Award

October, 2013

Fullerton India was awarded the FIPS 2013 award for the 'Innovative use of technology for Financial Inclusion', held in in Delhi on the 25th of October. The award was won for the biometric based 'Smart Handheld device on Field' device, which facilitates the loan instalment collection process in the rural markets. This system has been a unique feature of Fullerton India's rural business operations – offering both convenience and transparency in transactions to customers. Currently Fullerton India's rural does over 1.5 Million transactions through these hand held biometric devices every month.

CIO100 by IDG media group 'Cloud Conqueror' Award

September, 2013

Fullerton India was awarded the 'Cloud Conqueror Special Award' at the CIO100 Award ceremony held on 6th September, 2013, organised by the by IDG Media group. The award was conferred for the innovative use of Cloud Computing to deliver Business Value. The solution included setting up a dual data centre for redundancy and for disaster recovery purpose without incurring major capital investment in building up the secondary data centre.

Asian CSR Leadership Award for 'Rural Development'

September, 2013

Fullerton India was awarded the 'Best Rural development Program' at Sustainable Leadership Summit held on September 24th, 2013 at Dubai. The Award was given to Fullerton India for its extensive and sustainable contribution to rural India in its efforts to promote Livelihood Advancement Initiative particularly for women.

Asian Sustainability Leadership Award for 'Sustainable Leadership'

September, 2013

Flame Award for 'Excellence in Rural Marketing & Communication'Fullerton India won a Gold Award at the 10th Annual Flame Awards for 2013 at New Delhi on 17th Jan, 2013. The Flame Awards are given for Excellence in Rural Marketing & Communication and the award was given for the 'Last Mile Distribution & Channel Development Initiative of the Year'. Fullerton India Gramshakti's Marketing Initiative that promotes and helps rural households adopt products like Solar Lamps, Eco-Cook Stoves, water filters, bicycles etc, which improves the quality of lives of rural households and also helps enhance their productivity.

Asia's Best CSR Practice for 'Community Development Program'

August, 2013

Fullerton India was awarded the 'Best Community Development Program' at Asia's Best CSR Practice Award on August 1st, 2013 at Singapore. The Award was given to Fullerton India for its extensive and sustainable contribution to rural India through its various Livelihood for women.

Corporate Excellence Awards for 'Best Community Development Program'

June, 2013

Fullerton India was awarded the 'Best Community Development Program' at Corporate Excellence Award on June 29th, 2013. Endorsed by CMO Asia, the Corporate Excellence Awards are given out to corporates for excellence across all disciplines including Corporate Social Responsibility, IT, Finance & Marketing. Fullerton India won the awards for the sustainable work that it has been doing in Rural India as part of its Livelihood Advancement Initiative

Responsible Business Summit for 'Best Community Development Program'

June, 2013

Fullerton India was awarded for the 'Best Community Development Program' at the Responsible Business summit on June 28th, 2013. The award was given for the sustainable work it has been doing in Rural India as part of its Livelihood Advancement Initiative. Fullerton India organised over 700 programs in 2012-13, benefitting more than 31,200 households last year alone.

Responsible Business Summit for 'Best Corporate Social Responsibility Practice'

June, 2013

Fullerton India was awarded for the 'Best Corporate Social responsibility Practice' at the Responsible Business summit on June 28th, 2013. The Responsible Business Summit is a symposium on sustainability and was attended by leading Indian corporate. The award was given for the exemplary work done by Fullerton India towards development of rural India and its communities, helping them improve their income and standard of living.

World CSR Award for 'Best Community Development Programme'

February, 2013

On World CSR Day, 18 February'13, Fullerton India was awarded the 'Best Community Development Programme' by ET NOW. The award was conferred for the Rural Livelihood Advancement Initiative and the extent of impact of our activities in 2012. In 2012 over 12000 rural households w ere benefitted through over 400 vocational training programs conducted by Fullerton India.

Microfinance Recognition Awards Asia 2011

2011

Fullerton India won the Runner-Up Award at the Asia Microfinance Conference in Singapore on 25 January 2011 for innovation in Technology. The award was conferred to Fullerton India for deploying a straight through processing of weekly field collections onto a centrally hosted core lending platform.

World's Hottest Brands 2010

2010

Fullerton India was conferred as one of the World's Hottest Brands in 2010 for their "below-the-line-only" strategy using their own local branches and staff to reach new consumers. Fullerton India competes with other personal-finance and microfinance institutions in India across both urban and rural markets. As a relative newcomer in the market, Fullerton India has tried to distinguish itself by owning the customer.

Through this 'reach-out' initiative, Fullerton India has created a base of more than 600,000 customers in the past three years. Importantly, 50% of those customers are categorized as first-time borrowers with financial institutions, proving Fullerton India did find a way to reach a whole new group of consumers.

Golden Peacock Award for Product Innovation 2010

2010

Fullerton India wins Golden Peacock Innovative Product Award 2010 for SampoornaSuraksha – the Group Insuarnce product proposition offered to customers of Fullerton India in the Innovative Product Award category. The award recognizes excellence in product design and concept, execution with benchmark attachment rates and claims service experience of customers. With over 600,000 customers covered under the proposition and still maintaining the customer attachment levels during the acquisition process, "SampoornaSuraksha" has become synonymous to Insurance within the company and its customers.

Skoch Virtual Corporation Award 2010

2010

Fullerton India's "Robust and scalable IT Infrastructure" received the award in the category – Skoch Virtual Corporation Award on Sept 22 2010 – Digital Inclusion Day, in New Delhi.

This award recognizes and felicitates the unique and innovative implementations like low cost ADSL network, secured access to mobile/laptops users, Open office, low cost voice network, early adoption of RF network, open source citrix/virtualisation, open source mailing solutions all these helped in providing quick rollout with sustainable performance and in excess of 10% savings on the budget.

Best Corporate Sustainability & Responsibility Practices Award 2009

2009

On 22nd December 2009, Fullerton India was awarded the "Company with the Best CSR Practices 2009" Award by the Indian Merchants' Chamber and the Asian Centre for Corporate Governance & Sustainability. Fullerton India has been awarded this year's award for Best Corporate Sustainability & Responsibility Practices for setting up a unique financial services company to promote inclusive growth in the mass market, community care initiatives and for evaluating its Socio-Economic impact through its Social Accounts in a comprehensive and unique manner.