BANK ISLAM EMDAD

Pembiayaan Peribadi Bank Islam Untuk Kakitangan Kerajaan

Terkini Max Sehingga 400K
Semak Kelayakan Anda
Direct Bank staff
Potongan Luar Payslip

http://www.wasap.my/60138807460/BankIslam

Karnival Felda

Promosi Pembiayaan Peribadi Bank Islam Untuk Kakitangan Kerajaan dan GLC
(Penyatuan Hutang)

✅Direct staff bank islam
✅Rate serendah 2.72%
✅Tempoh pembiayaan sehingga 10 tahun
✅Max Pembiayaan sehingga 300k
✅Potongan luar Payslip
✅Penjimatan komitmen bulanan
✅Lebihan cash in hand

Untuk maklumat lebih lanjut, sila hubungi
http://www.wasap.my/60163367460/BankIslam

Event Tabung Haji dan bank islam
Movenpick sepang
19/1/2024 sehingga 21/1/2024

𝐏𝐫𝐨𝐦𝐨𝐬𝐢 𝐏𝐞𝐧𝐲𝐚𝐭𝐮𝐚𝐧 𝐇𝐮𝐭𝐚𝐧𝐠 𝐬𝐞𝐫𝐞𝐧𝐝𝐚𝐡 𝟐.𝟕𝟐% (𝐏𝐫𝐨𝐦𝐨𝐬𝐢 𝐓𝐞𝐫𝐡𝐚𝐝)

𝐏𝐫𝐨𝐦𝐨𝐬𝐢 𝐝𝐚𝐫𝐢 𝐁𝐚𝐧𝐤 𝐈𝐬𝐥𝐚𝐦

𝐓𝐞𝐫𝐛𝐮𝐤𝐚 𝐤𝐞𝐩𝐚𝐝𝐚 𝐤𝐚𝐤𝐢𝐭𝐚𝐧𝐠𝐚𝐧 𝐊𝐞𝐫𝐚𝐣𝐚𝐚𝐧
𝐌𝐚𝐱𝐢𝐦𝐮𝐦 𝐬𝐞𝐡𝐢𝐧𝐠𝐠𝐚 𝟑𝟎𝟎𝐤
𝐏𝐨𝐭𝐨𝐧𝐠𝐚𝐧 𝐋𝐮𝐚𝐫 𝐏𝐚𝐲𝐬𝐥𝐢𝐩
𝐅𝐨𝐤𝐮𝐬 𝐛𝐚𝐲𝐚𝐫 𝟏 𝐚𝐧𝐬𝐮𝐫𝐚𝐧
𝐁𝐚𝐧𝐭𝐮 𝐤𝐮𝐫𝐚𝐧𝐠𝐤𝐚𝐧 𝐤𝐨𝐦𝐢𝐭𝐦𝐞𝐧
𝐋𝐞𝐛𝐢𝐡𝐚𝐧 𝐜𝐚𝐬𝐡 𝐢𝐧 𝐡𝐚𝐧𝐝

𝐔𝐧𝐭𝐮𝐤 𝐦𝐚𝐤𝐥𝐮𝐦𝐚𝐭 𝐥𝐞𝐛𝐢𝐡 𝐥𝐚𝐧𝐣𝐮𝐭, 𝐬𝐢𝐥𝐚 𝐡𝐮𝐛𝐮𝐧𝐠𝐢

http://www.wasap.my/60163367460/BankIslam

𝐏𝐫𝐨𝐦𝐨𝐬𝐢 𝐏𝐞𝐧𝐲𝐚𝐭𝐮𝐚𝐧 𝐇𝐮𝐭𝐚𝐧𝐠 𝐬𝐞𝐫𝐞𝐧𝐝𝐚𝐡 𝟐.𝟕𝟐% (𝐏𝐫𝐨𝐦𝐨𝐬𝐢 𝐓𝐞𝐫𝐡𝐚𝐝)

𝐏𝐫𝐨𝐦𝐨𝐬𝐢 𝐝𝐚𝐫𝐢 𝐁𝐚𝐧𝐤 𝐈𝐬𝐥𝐚𝐦

𝐓𝐞𝐫𝐛𝐮𝐤𝐚 𝐤𝐞𝐩𝐚𝐝𝐚 𝐤𝐚𝐤𝐢𝐭𝐚𝐧𝐠𝐚𝐧 𝐊𝐞𝐫𝐚𝐣𝐚𝐚𝐧
𝐌𝐚𝐱𝐢𝐦𝐮𝐦 𝐬𝐞𝐡𝐢𝐧𝐠𝐠𝐚 𝟑𝟎𝟎𝐤
𝐏𝐨𝐭𝐨𝐧𝐠𝐚𝐧 𝐋𝐮𝐚𝐫 𝐏𝐚𝐲𝐬𝐥𝐢𝐩
𝐅𝐨𝐤𝐮𝐬 𝐛𝐚𝐲𝐚𝐫 𝟏 𝐚𝐧𝐬𝐮𝐫𝐚𝐧
𝐁𝐚𝐧𝐭𝐮 𝐤𝐮𝐫𝐚𝐧𝐠𝐤𝐚𝐧 𝐤𝐨𝐦𝐢𝐭𝐦𝐞𝐧
𝐋𝐞𝐛𝐢𝐡𝐚𝐧 𝐜𝐚𝐬𝐡 𝐢𝐧 𝐡𝐚𝐧𝐝

𝐔𝐧𝐭𝐮𝐤 𝐦𝐚𝐤𝐥𝐮𝐦𝐚𝐭 𝐥𝐞𝐛𝐢𝐡 𝐥𝐚𝐧𝐣𝐮𝐭, 𝐬𝐢𝐥𝐚 𝐡𝐮𝐛𝐮𝐧𝐠𝐢
http://www.wasap.my/60163367460/BankIslam

𝐏𝐫𝐨𝐦𝐨𝐬𝐢 𝐏𝐞𝐧𝐲𝐚𝐭𝐮𝐚𝐧 𝐇𝐮𝐭𝐚𝐧𝐠 𝐬𝐞𝐫𝐞𝐧𝐝𝐚𝐡 𝟐.𝟕𝟐% (𝐏𝐫𝐨𝐦𝐨𝐬𝐢 𝐓𝐞𝐫𝐡𝐚𝐝)

𝐊𝐞𝐫𝐚𝐣𝐚𝐚𝐧 𝐝𝐚𝐧 𝐏𝐚𝐧𝐞𝐥 𝐂𝐨𝐦𝐩𝐚𝐧𝐲
𝐌𝐚𝐱𝐢𝐦𝐮𝐦 𝐬𝐞𝐡𝐢𝐧𝐠𝐠𝐚 𝟑𝟎𝟎𝐤
𝐅𝐨𝐤𝐮𝐬 𝐛𝐚𝐲𝐚𝐫 𝟏 𝐚𝐧𝐬𝐮𝐫𝐚𝐧
𝐁𝐚𝐧𝐭𝐮 𝐤𝐮𝐫𝐚𝐧𝐠𝐤𝐚𝐧 𝐤𝐨𝐦𝐢𝐭𝐦𝐞𝐧
𝐋𝐞𝐛𝐢𝐡𝐚𝐧 𝐜𝐚𝐬𝐡 𝐢𝐧 𝐡𝐚𝐧𝐝

Untuk maklumat lebih lanjut, sila hubungi
http://www.wasap.my/60163367460/BankIslam

Promosi Penyatuan Hutang serendah 2.72% (Promosi Terhad)

Untuk maklumat lebih lanjut, sila hubungi
http://www.wasap.my/60163367460/BankIslam

𝐏𝐄𝐌𝐁𝐈𝐀𝐘𝐀𝐀𝐍 𝐏𝐄𝐑𝐈𝐁𝐀𝐃𝐈 𝐁𝐀𝐍𝐊 𝐈𝐒𝐋𝐀𝐌
𝐏𝐎𝐓𝐎𝐍𝐆𝐀𝐍 𝐋𝐔𝐀𝐑 𝐏𝐀𝐘𝐒𝐋𝐈𝐏
✅𝐃𝐢𝐫𝐞𝐜𝐭 𝐛𝐚𝐧𝐤 𝐬𝐭𝐚𝐟𝐟
✅𝐌𝐚𝐱𝐢𝐦𝐮𝐦 𝐩𝐢𝐧𝐣𝐚𝐦𝐚𝐧 𝐬𝐞𝐡𝐢𝐧𝐠𝐠𝐚 𝟑𝟎𝟎𝐤
✅𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐬𝐞𝐫𝐞𝐧𝐝𝐚𝐡 𝟐.𝟗𝟗%
✅𝐏𝐞𝐧𝐲𝐚𝐭𝐮𝐚𝐧 𝐡𝐮𝐭𝐚𝐧𝐠 (𝐦𝐞𝐧𝐠𝐮𝐫𝐚𝐧𝐠𝐤𝐚𝐧 𝐤𝐨𝐦𝐢𝐭𝐦𝐞𝐧)
✅𝐃𝐚𝐩𝐚𝐭 𝐋𝐞𝐛𝐢𝐡𝐚𝐧 𝐂𝐚𝐬𝐡
✅𝐊𝐞𝐫𝐚𝐣𝐚𝐚𝐧 𝐬𝐭𝐚𝐭𝐮𝐬 𝐤𝐨𝐧𝐭𝐫𝐚𝐤 𝐥𝐚𝐲𝐚𝐤 𝐦𝐨𝐡𝐨𝐧
✅𝐒𝐞𝐦𝐚𝐤 𝐊𝐞𝐥𝐚𝐲𝐚𝐤𝐚𝐧 𝐏𝐞𝐫𝐜𝐮𝐦𝐚

http://www.wasap.my/60163367460/BankIslam

𝗣𝗘𝗠𝗕𝗜𝗔𝗬𝗔𝗔𝗡 𝗣𝗘𝗥𝗜𝗕𝗔𝗗𝗜 𝗗𝗔𝗥𝗜 𝗕𝗔𝗡𝗞 𝗜𝗦𝗟𝗔𝗠

-𝗗𝗶𝗿𝗲𝗰𝘁 𝗯𝗮𝗻𝗸 𝘀𝘁𝗮𝗳𝗳
-𝗣𝗼𝘁𝗼𝗻𝗴𝗮𝗻 𝗟𝘂𝗮𝗿 𝗣𝗮𝘆𝘀𝗹𝗶𝗽
-𝗠𝗮𝘅𝗶𝗺𝘂𝗺 𝗽𝗶𝗻𝗷𝗮𝗺𝗮𝗻 𝘀𝗲𝗵𝗶𝗻𝗴𝗴𝗮 𝟯𝟬𝟬𝗸
-𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝘀𝗲𝗿𝗲𝗻𝗱𝗮𝗵 𝟮.𝟵𝟵%
-𝗣𝗲𝗻𝘆𝗮𝘁𝘂𝗮𝗻 𝗵𝘂𝘁𝗮𝗻𝗴 (𝗺𝗲𝗻𝗴𝘂𝗿𝗮𝗻𝗴𝗸𝗮𝗻 𝗸𝗼𝗺𝗶𝘁𝗺𝗲𝗻)
-𝗗𝗮𝗽𝗮𝘁 𝗟𝗲𝗯𝗶𝗵𝗮𝗻 𝗖𝗮𝘀𝗵
-𝗞𝗲𝗿𝗮𝗷𝗮𝗮𝗻 𝘀𝘁𝗮𝘁𝘂𝘀 𝗸𝗼𝗻𝘁𝗿𝗮𝗸 𝗹𝗮𝘆𝗮𝗸 𝗺𝗼𝗵𝗼𝗻
-𝗦𝗲𝗺𝗮𝗸 𝗞𝗲𝗹𝗮𝘆𝗮𝗸𝗮𝗻 𝗣𝗲𝗿𝗰𝘂𝗺𝗮

http://www.wasap.my/60163367460/BankIslam

𝙋𝙀𝙈𝘽𝙄𝘼𝙔𝘼𝘼𝙉 𝙋𝙀𝙍𝙄𝘽𝘼𝘿𝙄 𝘿𝘼𝙍𝙄 𝘼𝙂𝙀𝙉𝙏 𝙔𝘼𝙉𝙂 𝙎𝘼𝙃 𝘽𝘼𝙉𝙆 𝙄𝙎𝙇𝘼𝙈

𝙏𝙚𝙧𝙗𝙪𝙠𝙖 𝙥𝙖𝙙𝙖 𝙠𝙖𝙠𝙞𝙩𝙖𝙣𝙜𝙖𝙣
𝙆𝙀𝙍𝘼𝙅𝘼𝘼𝙉

https://wa.me/0163367460
https://wa.me/0163367460
https://wa.me/0163367460

💯𝘿𝙞𝙧𝙚𝙘𝙩 𝙗𝙖𝙣𝙠 𝙨𝙩𝙖𝙛𝙛
💯𝙋𝙤𝙩𝙤𝙣𝙜𝙖𝙣 𝙇𝙪𝙖𝙧 𝙋𝙖𝙮𝙨𝙡𝙞𝙥
💯𝙐𝙧𝙪𝙨𝙖𝙣 𝙨𝙚𝙢𝙪𝙙𝙖𝙝 𝘼𝘽𝘾 (𝙬𝙝𝙖𝙩𝙨𝙖𝙥𝙥,𝙚𝙢𝙖𝙞𝙡)
💯𝙃𝙪𝙗𝙪𝙣𝙜𝙖𝙣 𝙗𝙖𝙞𝙠 𝙙𝙚𝙣𝙜𝙖𝙣 𝙤𝙛𝙛𝙞𝙘𝙚𝙧 𝙗𝙖𝙣𝙠
💯24/7 𝙨𝙚𝙢𝙞𝙣𝙜𝙜𝙪 𝙗𝙚𝙧𝙠𝙚𝙧𝙟𝙖
💯𝙏𝙞𝙖𝙙𝙖 𝙘𝙖𝙨 𝙩𝙚𝙧𝙨𝙚𝙢𝙗𝙪𝙣𝙮𝙞
💯𝙋𝙚𝙣𝙮𝙖𝙩𝙪𝙖𝙣 𝙝𝙪𝙩𝙖𝙣𝙜 (𝙢𝙚𝙣𝙜𝙪𝙧𝙖𝙣𝙜𝙠𝙖𝙣 𝙠𝙤𝙢𝙞𝙩𝙢𝙚𝙣)
💯𝘿𝙖𝙥𝙖𝙩 𝙇𝙚𝙗𝙞𝙝𝙖𝙣 𝘾𝙖𝙨𝙝
💯𝙈𝙖𝙭𝙞𝙢𝙪𝙢 𝙥𝙞𝙣𝙟𝙖𝙢𝙖𝙣 𝙨𝙚𝙝𝙞𝙣𝙜𝙜𝙖 300𝙠
💯𝙄𝙣𝙩𝙚𝙧𝙚𝙨𝙩 𝙨𝙚𝙧𝙚𝙣𝙙𝙖𝙝 3.18%

Home refinancing,

Bertujuan untuk rendahkan komitmen bulanan anda

Dengan penyatuan hutang sama ada personal, kredit kad, kenderaan semua boleh selesaikan under 1 pembiayaan jika berkelayakan.

High Margin of financing up to 100% excluding:
Mortgage Reducing Term Takaful (MRTT) / Mortgage Level Term Takaful (MLTT) – (complusary)
HOT (Houseowner/Householder Takaful Plan) – (if applicable)
Stamp Duty
Legal Fees
Valuation Fees
Financing Tenure of up to 35 years or age 70, whichever is earlier
No lock-in period
No compounding elements
No processing fee
No penalty for early settlement

Pm untuk itu ini
Emdad Arsad
0163367460
https://wa.link/efs76z
[email protected]

3 𝘿𝘼𝙔𝙎 𝘼𝙋𝙋𝙍𝙊𝙑𝘼𝙇 !
𝙁𝘼𝙎𝙏 𝘼𝙋𝙋𝙍𝙊𝙑𝘼𝙇 !
𝙁𝙐𝙇𝙇 𝙇𝙊𝘼𝙉 !

𝙋𝙀𝙈𝘽𝙄𝘼𝙔𝘼𝘼𝙉 𝙋𝙀𝙍𝙄𝘽𝘼𝘿𝙄 𝘿𝘼𝙍𝙄 𝘼𝙂𝙀𝙉𝙏 𝙔𝘼𝙉𝙂 𝙎𝘼𝙃 𝘽𝘼𝙉𝙆 𝙄𝙎𝙇𝘼𝙈

𝙏𝙚𝙧𝙗𝙪𝙠𝙖 𝙥𝙖𝙙𝙖 𝙠𝙖𝙠𝙞𝙩𝙖𝙣𝙜𝙖𝙣
𝙆𝙀𝙍𝘼𝙅𝘼𝘼𝙉

https://wa.me/0163367460
https://wa.me/0163367460
https://wa.me/0163367460

💯𝘿𝙞𝙧𝙚𝙘𝙩 𝙗𝙖𝙣𝙠 𝙨𝙩𝙖𝙛𝙛
💯𝙋𝙤𝙩𝙤𝙣𝙜𝙖𝙣 𝙇𝙪𝙖𝙧 𝙋𝙖𝙮𝙨𝙡𝙞𝙥
💯𝙐𝙧𝙪𝙨𝙖𝙣 𝙨𝙚𝙢𝙪𝙙𝙖𝙝 𝘼𝘽𝘾 (𝙬𝙝𝙖𝙩𝙨𝙖𝙥𝙥,𝙚𝙢𝙖𝙞𝙡)
💯𝙃𝙪𝙗𝙪𝙣𝙜𝙖𝙣 𝙗𝙖𝙞𝙠 𝙙𝙚𝙣𝙜𝙖𝙣 𝙤𝙛𝙛𝙞𝙘𝙚𝙧 𝙗𝙖𝙣𝙠
💯24/7 𝙨𝙚𝙢𝙞𝙣𝙜𝙜𝙪 𝙗𝙚𝙧𝙠𝙚𝙧𝙟𝙖
💯𝙏𝙞𝙖𝙙𝙖 𝙘𝙖𝙨 𝙩𝙚𝙧𝙨𝙚𝙢𝙗𝙪𝙣𝙮𝙞
💯𝙋𝙚𝙣𝙮𝙖𝙩𝙪𝙖𝙣 𝙝𝙪𝙩𝙖𝙣𝙜 (𝙢𝙚𝙣𝙜𝙪𝙧𝙖𝙣𝙜𝙠𝙖𝙣 𝙠𝙤𝙢𝙞𝙩𝙢𝙚𝙣)
💯𝘿𝙖𝙥𝙖𝙩 𝙇𝙚𝙗𝙞𝙝𝙖𝙣 𝘾𝙖𝙨𝙝
💯𝙈𝙖𝙭𝙞𝙢𝙪𝙢 𝙥𝙞𝙣𝙟𝙖𝙢𝙖𝙣 𝙨𝙚𝙝𝙞𝙣𝙜𝙜𝙖 300𝙠
💯𝙄𝙣𝙩𝙚𝙧𝙚𝙨𝙩 𝙨𝙚𝙧𝙚𝙣𝙙𝙖𝙝 3.18%

PEMBIAYAAN PERIBADI DARI BANK ISLAM
Terbuka pada kakitangan KERAJAAN
-Direct bank staff
-Potongan Luar Payslip
-Maximum pinjaman sehingga 300k
-Interest serendah 3.18%
-Penyatuan hutang (mengurangkan komitmen)
-Dapat Lebihan Cash

http://www.wasap.my/60163367460/BankIslam

PEMBIAYAAN PERIBADI DARI BANK ISLAM

Terbuka pada kakitangan KERAJAAN dan SWASTA

-Direct bank staff
-Potongan Luar Payslip
-Maximum pinjaman sehingga 300k
-Interest serendah 2.99%
-Penyatuan hutang (mengurangkan komitmen)
-Dapat Lebihan Cash
-Kerajaan status kontrak layak mohon
-Swasta (min gaji 4K)
-Swasta Panel (min 2k)
-Semak Kelayakan Percuma

http://www.wasap.my/60163367460/BankIslam

Open day Putrajaya 2023

PEMBIAYAAN PERIBADI DAN HOME REFINANCING DARI BANK ISLAM

Terbuka pada kakitangan KERAJAAN dan SWASTA

-Direct bank staff
-Potongan Luar Payslip
-Maximum pinjaman sehingga 300k
-Interest serendah 2.96%
-Penyatuan hutang (mengurangkan komitmen)
-Dapat Lebihan Cash
-Kerajaan status kontrak layak mohon
-Swasta (min gaji 4K)
-Swasta Panel (min 2k)
-Semak Kelayakan Percuma

http://www.wasap.my/60163367460/BankIslam

PEMBIAYAAN PERIBADI DAN REFINANCING RUMAH DI BANK ISLAM

Terbuka untuk kakitangan Kerajaan dan Swasta (t&c). Tambahan Program Professional seperti Doctor, Enggineer, Veterinary, safety officer, Accountant, Quantity Surveyor, pharmacist, Architect, Lecturer, Optometrist, Actuary, Dentist.

-Direct bank staff
-Potongan Luar Payslip
-Maximum pinjaman sehingga 300k
-Interest serendah 2.82%
-Penyatuan hutang (mengurangkan komitmen)
-Dapat Lebihan Cash
-Kerajaan status kontrak layak mohon
-Swasta (min gaji 4K)
-Swasta Panel (min 2k)
-Semak Kelayakan Percuma

http://www.wasap.my/60163367460/BankIslam

PEMBIAYAAN PERIBADI DAN REFINANCING DARI BANK ISLAM

Terbuka pada kakitangan Kerajaan dan Swasta

-Direct bank staff
-Potongan Luar Payslip
-Maximum pinjaman sehingga 300k
-Interest serendah 2.82%
-Penyatuan hutang (mengurangkan komitmen)
-Dapat Lebihan Cash
-Kerajaan status kontrak layak mohon
-Swasta (min gaji 4K)
-Swasta Panel (min 2k)
-Semak Kelayakan Percuma

http://www.wasap.my/60163367460/BankIslam

PEMBIAYAAN PERIBADI DAN REFINANCING DARI BANK ISLAM
Terbuka pada kakitangan Kerajaan dan Swasta

-Direct bank staff
-Potongan Luar Payslip
-Maximum pinjaman sehingga 300k
-Interest serendah 2.56%
-Penyatuan hutang (mengurangkan komitmen)
-Dapat Lebihan Cash
-Kerajaan status kontrak layak mohon
-Swasta (min gaji 4K)
-Semak Kelayakan Percuma

http://www.wasap.my/60163367460/BankIslam

Special Offer For Professional Program

*Actuary
*Degree in Actuarial Science or any related course AND;
*Registered membership with Actuarial Society of Malaysia OR;
*Certificate from one of institution below:
-Society of Actuaries (SOA) – United States
-Casualty Actuarial Society (CAS) – United States
-Institute and Faculty of Actuaries (I&FA) – United Kingdom
-Actuaries Institute – Australia

-Applicant must be above 25 years old and not exceeding the
retirement age at the end of payment period
-Malaysian citizen
-Working as a professional in Medical Doctor, Dentist, Accountant,
Engineer, Lecturer, Architect, Safety Officer, Pharmacist, Veterinary,
Optometrist or Optician, Quantity Surveyor and Actuary
-Minimum basic salary of RM4,000 for Non-Package
-Minimum basic salary of RM5,000 for Engineer & Accountants

Special Offer For Professional Program

*Quantity Surveyor
*Degree in Quantity Surveyor or any related course AND;
*Registered membership with The Board of Quantity Surveyor
(BQSM) OR;
*Certificate of registration – Form D (Registered QS)

-Applicant must be above 25 years old and not exceeding the
retirement age at the end of payment period
-Malaysian citizen
-Working as a professional in Medical Doctor, Dentist, Accountant,
Engineer, Lecturer, Architect, Safety Officer, Pharmacist, Veterinary,
Optometrist or Optician, Quantity Surveyor and Actuary
-Minimum basic salary of RM4,000 for Non-Package
-Minimum basic salary of RM5,000 for Engineer & Accountants

Special Offer For Professional Program

*Optometrist & Optician
*Degree in Optometry (For optometrist) or at least Diploma in
relevant field (Optician) AND;
*Registered membership with The Malaysian Optical Council (MOC)
OR;
*Annual Practicing Certificate (APC) from MOC OR;
*Optical Lenses Permit (For Optician)

-Applicant must be above 25 years old and not exceeding the
retirement age at the end of payment period
-Malaysian citizen
-Working as a professional in Medical Doctor, Dentist, Accountant,
Engineer, Lecturer, Architect, Safety Officer, Pharmacist, Veterinary,
Optometrist or Optician, Quantity Surveyor and Actuary
-Minimum basic salary of RM4,000 for Non-Package
-Minimum basic salary of RM5,000 for Engineer & Accountants