JOIN OUR
MAILING LIST
Be the first to receive exclusive special offers, news and information from Synergy Car Leasing. We will not pass your details to anyone else.
You can unsubscribe at any time. View our Privacy Policy.
0330 134 5998
Lines are open
Mon-Fri
7:00 am - 9:00 pm Sat-Sun
10:00 am - 8:00 pm
Lines are open
Mon-Fri
7:00 am - 9:00 pm Sat-Sun
10:00 am - 8:00 pm
2.0 D200 R-Dynamic HSE 5dr Auto AWD £442.93 +VAT
Images are for illustration purposes only. Specification may vary.
Limited Synergy Special Offer
Free Mainland Delivery!
8795 independent 5 star Feefo Reviews
Choose your Contract Terms
i
Business Lease Price
47 Monthly Payments
£442.93 +VAT
Initial Rental
£3,986.37 +VAT
Vehicle Sourcing Charge
i
£165 +VAT
Vehicle specification and information is provided by a third party and is for information only. Manufacturers reserve the right to change specification & equipment without notice. Zero cost options may be conditional on the purchase of a pack or other chargeable option. All specifically required features and specification should be verified prior order.
11.4" touchscreen
3D surround camera
Adaptive cruise control
Android Auto
Apple car play
Blind spot assist
Bluetooth connectivity
Clear exit monitor
Driver alert system
Driver condition monitor
Eco driving style assistant
Electric power assisted steering
InControl remote
Interactive Driver display instrument cluster
Jaguar Toggle shift selector
Lane departure warning system
Lane keep assist
Outside temperature gauge
Personalisation profile management
Pivi pro connected navigation system with app interface and media storage
Pro services and wifi hotspot
Push button starter
Rear collision monitor
Rear traffic monitor
Service interval indicator
Speed proportional steering
Start up sequence with movement in dials and lighting
Traffic sign recognition with adaptive speed limiter
Trip computer
Voice control system
8 speed automatic transmission
Adaptive dynamics
All terrain progress control
All Wheel Drive (AWD)
Configurable dynamics
Open differential with torque vectoring by braking
AM/FM radio
Bluetooth streaming
DAB Radio (Digital Audio Broadcasting)
Dynamic volume control
InControl apps
InControl protect
iPod integration
3 flash lane change indicators
Animated directional indicators
Approach Illumination
Auto dimming rear view mirror
Automatic headlights
Body colour door mirrors
Electric heated/power fold memory door mirrors with approach lights and auto dimming driver side
Electric windows with one touch open/close and anti trap
F-Pace badge
Green tinted glass
Heated front windscreen + heated washer jets
Heated rear window with timer
Illuminated metal tread plates with Jaguar script
Jaguar script and leaper
LED tail lights
Non acoustic front windscreen
R Dynamic badge on side door
Rain sensor windscreen wipers
Rear fog lights
Rear metal tread plates
Rear wiper
Trailer stability assist
Variable front intermittent wipers
12V power point front
3 rear headrests
Air distribution speed
Cabin lighting
Centre armrest console
Centre console with side storage
Door sill tread plates
Electrically adjustable steering column
Fold flat front seats
Front centre armrest with storage compartment
Front door storage space
Glovebox finisher with jaguar script
Heated steering wheel
Hooks in loadspace
Illuminated glovebox
Interior front door handles with separate locking switches
ISOFIX on outer rear seats
Jaguar sense
Luggage tie downs in loadspace
Mist sensing
Multifunction steering wheel
Overhead lighting console
Overhead stowage for sunglasses
Passive front head restraints
Premium cabin lighting
Premium carpet mats
R-Dynamic branded leather steering wheel
Rear air vents
Rear armrest with twin cupholders
Rear centre headrest
Rear door storage space
Reversible boot floor
Satin chrome gearshift paddles
Shopping bag hook
Sunvisors with illuminated vanity mirrors
Twin front cupholders with cover
Online Pack with data plan - F-Pace
355mm front brakes and 325mm rear brakes
3x3 point rear seatbelts
ABS
All surface progress control (ASPC)
Brake pad warning light
DSC - Dynamic Stability Control
Electric parking brake (EPB)
Emergency brake assist
Front airbags with passenger seat occupant detector
Front and rear seatbelt reminder
Front side airbags
Full length side window curtain airbag
Hill launch assist
Power operated child locks
Torque vectoring brake
Traction control
Tyre pressure monitoring system
Immobiliser
Keyless entry
Keyless Start
Locking wheel nuts
Perimeter alarm
Remote central locking
Valet mode
Your chosen options have increased the P11D Value above £40,000, as per government guidelines we have added additional Road Tax to your monthly rentals. Please contact us if you require any further information.
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Black Exterior pack - F Pace R-Dynamic
£541.67
+VAT
£9.67
+VAT
i
This pack contains:
- Door finishers in gloss black
- Gloss black badging in side fender vent and rear leaper, engine and name plate badging
- Gloss black blades in central part of lower bumper
- Gloss black blades in front air intake surrounds in lower outer grilles (hoop surrounds)
- Gloss black grille surround
- Gloss black grille tips
- Gloss black in lower inner grille surround
- Gloss black mesh grille
- Gloss black rear valance
- Gloss black side vents
- Gloss black side window surrounds
Convenice pack - F Pace SE/HSE/R-Dynamic SE/R-Dynamic…
£416.67
+VAT
£7.44
+VAT
i
This pack contains:
- Activity key
- Additional power sockets
- Powered gesture tailgate/boot lid
Hot climate pack - F-Pace
£991.67
+VAT
£17.71
+VAT
i
This pack contains:
- Cabin Air Purification plus
- Air quality sensor
- Cabin air ionisation with PM2.5 filter
- Four zone climate control
- Lockable cooled glovebox
Loadspace practicality pack - F-Pace
£258.33
+VAT
£4.61
+VAT
i
This pack contains:
- Loadspace partition net
- Loadspace storage rails
- Rear seat remote release levers
Park assist pack - F-Pace
£625.00
+VAT
£11.16
+VAT
i
This pack contains:
- 3D surround camera
- Park assist system
Technology pack - F-Pace SE/HSE/R-Dynamic SE/R-Dynamic…
£1,075.00
+VAT
£19.20
+VAT
i
This pack contains:
- Head up Display
- Solar attenuating windscreen
- Wireless device charging with phone signal booster
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Description
Value
EC Directive 1999/100/EC Applies
No
WLTP - FC (l/100km) - Comb - Max
6.7
WLTP - FC (l/100km) - Comb - Min
6.2
WLTP - FC (l/100km) - Extra High - Max
7.2
WLTP - FC (l/100km) - Extra High - Min
6.6
WLTP - FC (l/100km) - High - Max
5.8
WLTP - FC (l/100km) - High - Min
5.4
WLTP - FC (l/100km) - Low - Max
7.7
WLTP - FC (l/100km) - Low - Min
7.5
WLTP - FC (l/100km) - Medium - Max
6.5
WLTP - FC (l/100km) - Medium - Min
6.1
WLTP - MPG - Comb - Max
42.1
WLTP - MPG - Comb - Min
45.4
WLTP - MPG - Extra High - Max
39.3
WLTP - MPG - Extra High - Min
42.9
WLTP - MPG - High - Max
48.5
WLTP - MPG - High - Min
52.8
WLTP - MPG - Low - Max
36.5
WLTP - MPG - Low - Min
37.6
WLTP - MPG - Medium - Max
43.3
WLTP - MPG - Medium - Min
46.5
Description
Value
Standard Euro Emissions
EURO 6
WLTP - CO2 (g/km) - Comb
169
WLTP - CO2 (g/km) - Comb - Max
177
WLTP - CO2 (g/km) - Comb - Min
169
Description
Value
Camshaft
DOHC
Catalytic Convertor
Yes
CC
1997
Compression Ratio
16.5:1
Cylinder Layout
IN-LINE
Cylinders
4
Cylinders - Bore (mm)
83
Cylinders - Stroke (mm)
92.3
Engine Layout
NORTH SOUTH
Fuel Delivery
COMMON RAIL
Gears
8 SPEED
Number of Valves
16
Transmission
AUTO
Description
Value
AdBlue
Yes
Alternative Fuel Qualifying
No
Badge Engine CC
2.0
Badge Power
200
Coin Description
D200 AWD
Coin Series
R-Dynamic HSE
Did at least one aspect of this vehicle's safety give cause for concern?
No
Generation Mark
2
Insurance Group 1 - 50 Effective January 07
35E
Service Interval Frequency - Months
24
Service Interval Mileage
21000
Special Edition
No
Special Order
No
Standard manufacturers warranty - Mileage
Unlimited
Standard manufacturers warranty - Years
3
Timing Belt Interval Frequency - Months
120
Timing Belt Interval Mileage
105000
Vehicle Homologation Class
M1
Description
Value
0 to 62 mph (secs)
8
Engine Power - BHP
204
Engine Power - KW
150
Engine Power - RPM
3750
Engine Torque - LBS.FT
317
Engine Torque - MKG
43.8
Engine Torque - NM
430
Engine Torque - RPM
1750
Top Speed
130
Description
Value
Emissions Test Cycle
WLTP
RDE Certification Level
RDE 2
Description
Value
Alloys?
Yes
Space Saver?
No
Tyre Size Spare
TYRE REPAIR KIT
Wheel Style
5 SPLIT SPOKE STYLE 5104
Wheel Type
21" ALLOY
Description
Value
Height
1664
Length
4747
Wheelbase
2874
Width
2071
Width (including mirrors)
2175
Description
Value
Fuel Tank Capacity (Litres)
60
Gross Vehicle Weight
2540
Luggage Capacity (Seats Up)
583
Max. Loading Weight
664
Max. Roof Load
75
Max. Towing Weight - Braked
2400
Max. Towing Weight - Unbraked
750
Minimum Kerbweight
1876
No. of Seats
5
Turning Circle - Kerb to Kerb
12
Fuel Type: Diesel
CO2 Emissions: (g/km)
P11D Value: £53,005.00
| Year: 2021/2022 | |
| Benefit in Kind Tax %: | 37% |
| Taxable Benefit: | £19,611.85 |
| Annual 20% | £3,922.37 |
| Monthly 20% | £326.86 |
| Annual 40% | £7,844.74 |
| Monthly 40% | £653.73 |
| Annual 45% | £8,825.33 |
| Monthly 45% | £735.44 |
| Year: 2022/2023 | |
| Benefit in Kind Tax %: | 37% |
| Taxable Benefit: | £19,611.85 |
| Annual 20% | £3,922.37 |
| Monthly 20% | £326.86 |
| Annual 40% | £7,844.74 |
| Monthly 40% | £653.73 |
| Annual 45% | £8,825.33 |
| Monthly 45% | £735.44 |
| Year: 2023/2024 | |
| Benefit in Kind Tax %: | 37% |
| Taxable Benefit: | £19,611.85 |
| Annual 20% | £3,922.37 |
| Monthly 20% | £326.86 |
| Annual 40% | £7,844.74 |
| Monthly 40% | £653.73 |
| Annual 45% | £8,825.33 |
| Monthly 45% | £735.44 |
Please note: Vehicle tax information is a guide only and is subject to change.
2.0 D200 R-Dynamic HSE 5dr Auto AWD
£442.93 +VAT
Limited Synergy Special Offer
Choose your Contract Terms
Business Lease Price
47 Monthly Payments
£442.93
+VAT
Initial Rental
£3,986.37 +VAT
Vehicle Sourcing Charge
i
The Vehicle Sourcing Charge is Synergy’s fee for sourcing and ordering the vehicle, organising the finance, and arranging delivery.
£165 +VAT
Price not available online
Please Contact Us to discuss your requirements.
Find out how our easy online application works
ABOUT THIS VEHICLE
Add to My Showroom
Vehicle specification and information is provided by a third party and is for information only. Manufacturers reserve the right to change specification & equipment without notice. Zero cost options may be conditional on the purchase of a pack or other chargeable option. All specifically required features and specification should be verified prior order.
Standard
11.4" touchscreen
3D surround camera
Adaptive cruise control
Android Auto
Apple car play
Blind spot assist
Bluetooth connectivity
Clear exit monitor
Driver alert system
Driver condition monitor
Eco driving style assistant
Electric power assisted steering
InControl remote
Interactive Driver display instrument cluster
Jaguar Toggle shift selector
Lane departure warning system
Lane keep assist
Outside temperature gauge
Personalisation profile management
Pivi pro connected navigation system with app interface and media storage
Pro services and wifi hotspot
Push button starter
Rear collision monitor
Rear traffic monitor
Service interval indicator
Speed proportional steering
Start up sequence with movement in dials and lighting
Traffic sign recognition with adaptive speed limiter
Trip computer
Voice control system
8 speed automatic transmission
Adaptive dynamics
All terrain progress control
All Wheel Drive (AWD)
Configurable dynamics
Open differential with torque vectoring by braking
AM/FM radio
Bluetooth streaming
DAB Radio (Digital Audio Broadcasting)
Dynamic volume control
InControl apps
InControl protect
iPod integration
3 flash lane change indicators
Animated directional indicators
Approach Illumination
Auto dimming rear view mirror
Automatic headlights
Body colour door mirrors
Electric heated/power fold memory door mirrors with approach lights and auto dimming driver side
Electric windows with one touch open/close and anti trap
F-Pace badge
Green tinted glass
Heated front windscreen + heated washer jets
Heated rear window with timer
Illuminated metal tread plates with Jaguar script
Jaguar script and leaper
LED tail lights
Non acoustic front windscreen
R Dynamic badge on side door
Rain sensor windscreen wipers
Rear fog lights
Rear metal tread plates
Rear wiper
Trailer stability assist
Variable front intermittent wipers
12V power point front
3 rear headrests
Air distribution speed
Cabin lighting
Centre armrest console
Centre console with side storage
Door sill tread plates
Electrically adjustable steering column
Fold flat front seats
Front centre armrest with storage compartment
Front door storage space
Glovebox finisher with jaguar script
Heated steering wheel
Hooks in loadspace
Illuminated glovebox
Interior front door handles with separate locking switches
ISOFIX on outer rear seats
Jaguar sense
Luggage tie downs in loadspace
Mist sensing
Multifunction steering wheel
Overhead lighting console
Overhead stowage for sunglasses
Passive front head restraints
Premium cabin lighting
Premium carpet mats
R-Dynamic branded leather steering wheel
Rear air vents
Rear armrest with twin cupholders
Rear centre headrest
Rear door storage space
Reversible boot floor
Satin chrome gearshift paddles
Shopping bag hook
Sunvisors with illuminated vanity mirrors
Twin front cupholders with cover
Online Pack with data plan - F-Pace
355mm front brakes and 325mm rear brakes
3x3 point rear seatbelts
ABS
All surface progress control (ASPC)
Brake pad warning light
DSC - Dynamic Stability Control
Electric parking brake (EPB)
Emergency brake assist
Front airbags with passenger seat occupant detector
Front and rear seatbelt reminder
Front side airbags
Full length side window curtain airbag
Hill launch assist
Power operated child locks
Torque vectoring brake
Traction control
Tyre pressure monitoring system
Immobiliser
Keyless entry
Keyless Start
Locking wheel nuts
Perimeter alarm
Remote central locking
Valet mode
Options
Your chosen options have increased the P11D Value above £40,000, as per government guidelines we have added additional Road Tax to your monthly rentals. Please contact us if you require any further information.
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Black Exterior pack - F Pace R-Dynamic
£541.67
+VAT
£9.67
+VAT
i
This pack contains:
- Door finishers in gloss black
- Gloss black badging in side fender vent and rear leaper, engine and name plate badging
- Gloss black blades in central part of lower bumper
- Gloss black blades in front air intake surrounds in lower outer grilles (hoop surrounds)
- Gloss black grille surround
- Gloss black grille tips
- Gloss black in lower inner grille surround
- Gloss black mesh grille
- Gloss black rear valance
- Gloss black side vents
- Gloss black side window surrounds
Convenice pack - F Pace SE/HSE/R-Dynamic SE/R-Dynamic…
£416.67
+VAT
£7.44
+VAT
i
This pack contains:
- Activity key
- Additional power sockets
- Powered gesture tailgate/boot lid
Hot climate pack - F-Pace
£991.67
+VAT
£17.71
+VAT
i
This pack contains:
- Cabin Air Purification plus
- Air quality sensor
- Cabin air ionisation with PM2.5 filter
- Four zone climate control
- Lockable cooled glovebox
Loadspace practicality pack - F-Pace
£258.33
+VAT
£4.61
+VAT
i
This pack contains:
- Loadspace partition net
- Loadspace storage rails
- Rear seat remote release levers
Park assist pack - F-Pace
£625.00
+VAT
£11.16
+VAT
i
This pack contains:
- 3D surround camera
- Park assist system
Technology pack - F-Pace SE/HSE/R-Dynamic SE/R-Dynamic…
£1,075.00
+VAT
£19.20
+VAT
i
This pack contains:
- Head up Display
- Solar attenuating windscreen
- Wireless device charging with phone signal booster
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Description
List Price
Monthly
Technical Info
Description
Value
EC Directive 1999/100/EC Applies
No
WLTP - FC (l/100km) - Comb - Max
6.7
WLTP - FC (l/100km) - Comb - Min
6.2
WLTP - FC (l/100km) - Extra High - Max
7.2
WLTP - FC (l/100km) - Extra High - Min
6.6
WLTP - FC (l/100km) - High - Max
5.8
WLTP - FC (l/100km) - High - Min
5.4
WLTP - FC (l/100km) - Low - Max
7.7
WLTP - FC (l/100km) - Low - Min
7.5
WLTP - FC (l/100km) - Medium - Max
6.5
WLTP - FC (l/100km) - Medium - Min
6.1
WLTP - MPG - Comb - Max
42.1
WLTP - MPG - Comb - Min
45.4
WLTP - MPG - Extra High - Max
39.3
WLTP - MPG - Extra High - Min
42.9
WLTP - MPG - High - Max
48.5
WLTP - MPG - High - Min
52.8
WLTP - MPG - Low - Max
36.5
WLTP - MPG - Low - Min
37.6
WLTP - MPG - Medium - Max
43.3
WLTP - MPG - Medium - Min
46.5
Description
Value
Standard Euro Emissions
EURO 6
WLTP - CO2 (g/km) - Comb
169
WLTP - CO2 (g/km) - Comb - Max
177
WLTP - CO2 (g/km) - Comb - Min
169
Description
Value
Camshaft
DOHC
Catalytic Convertor
Yes
CC
1997
Compression Ratio
16.5:1
Cylinder Layout
IN-LINE
Cylinders
4
Cylinders - Bore (mm)
83
Cylinders - Stroke (mm)
92.3
Engine Layout
NORTH SOUTH
Fuel Delivery
COMMON RAIL
Gears
8 SPEED
Number of Valves
16
Transmission
AUTO
Description
Value
AdBlue
Yes
Alternative Fuel Qualifying
No
Badge Engine CC
2.0
Badge Power
200
Coin Description
D200 AWD
Coin Series
R-Dynamic HSE
Did at least one aspect of this vehicle's safety give cause for concern?
No
Generation Mark
2
Insurance Group 1 - 50 Effective January 07
35E
Service Interval Frequency - Months
24
Service Interval Mileage
21000
Special Edition
No
Special Order
No
Standard manufacturers warranty - Mileage
Unlimited
Standard manufacturers warranty - Years
3
Timing Belt Interval Frequency - Months
120
Timing Belt Interval Mileage
105000
Vehicle Homologation Class
M1
Description
Value
0 to 62 mph (secs)
8
Engine Power - BHP
204
Engine Power - KW
150
Engine Power - RPM
3750
Engine Torque - LBS.FT
317
Engine Torque - MKG
43.8
Engine Torque - NM
430
Engine Torque - RPM
1750
Top Speed
130
Description
Value
Emissions Test Cycle
WLTP
RDE Certification Level
RDE 2
Description
Value
Alloys?
Yes
Space Saver?
No
Tyre Size Spare
TYRE REPAIR KIT
Wheel Style
5 SPLIT SPOKE STYLE 5104
Wheel Type
21" ALLOY
Description
Value
Height
1664
Length
4747
Wheelbase
2874
Width
2071
Width (including mirrors)
2175
Description
Value
Fuel Tank Capacity (Litres)
60
Gross Vehicle Weight
2540
Luggage Capacity (Seats Up)
583
Max. Loading Weight
664
Max. Roof Load
75
Max. Towing Weight - Braked
2400
Max. Towing Weight - Unbraked
750
Minimum Kerbweight
1876
No. of Seats
5
Turning Circle - Kerb to Kerb
12
Tax - P11D
Fuel Type: Diesel
CO2 Emissions: (g/km)
P11D Value: £53,005.00
| Year: 2021/2022 | |
| Benefit in Kind Tax %: | 37% |
| Taxable Benefit: | £19,611.85 |
| Annual 20% | £3,922.37 |
| Monthly 20% | £326.86 |
| Annual 40% | £7,844.74 |
| Monthly 40% | £653.73 |
| Annual 45% | £8,825.33 |
| Monthly 45% | £735.44 |
| Year: 2022/2023 | |
| Benefit in Kind Tax %: | 37% |
| Taxable Benefit: | £19,611.85 |
| Annual 20% | £3,922.37 |
| Monthly 20% | £326.86 |
| Annual 40% | £7,844.74 |
| Monthly 40% | £653.73 |
| Annual 45% | £8,825.33 |
| Monthly 45% | £735.44 |
| Year: 2023/2024 | |
| Benefit in Kind Tax %: | 37% |
| Taxable Benefit: | £19,611.85 |
| Annual 20% | £3,922.37 |
| Monthly 20% | £326.86 |
| Annual 40% | £7,844.74 |
| Monthly 40% | £653.73 |
| Annual 45% | £8,825.33 |
| Monthly 45% | £735.44 |
Please note: Vehicle tax information is a guide only and is subject to change.
JAGUAR F-PACE
£442.93 +VAT
Initial rental £3,986.37 +VAT
Sourcing charge £165 +VAT
Apply For Finance & Order
Speak to us 0330 134 5998
See what Synergy customers are saying
Our business is built on repeat orders, recommendations and referrals. We're passionate about delivering an excellent customer experience.
Platinum Trusted Service
4.9/5
5
4686
4
312
3
11
2
3
1
6
5018 Reviews for Synergy’s Customer Service
Platinum Trusted Service
4.9/5
5
4686
4
312
3
11
2
3
1
6
5018 Reviews for Synergy’s Customer Service
Anonymous User
I was really happy with the service I received from Synergy, in particular from Danny Chammings who was a delight! He was very helpful, always…
Posted 12 hours ago
Anonymous User
i am on my 4th car from synergy and have never had any problem with them. Whenever i have had an issues with the car or information i have simply ask…
Posted 12 hours ago
Anonymous User
Excellent throughout, kept me informed and really gave the impression that they cared for the customer. Great job from Jonathan, Laura and Linda.
Posted 14 hours ago
Terence Joyce
Great service
Posted 14 hours ago
Peter Ashworth
Fantastic service very helpful. Really quick quotations and updated all the wat through to delivery
Posted yesterdaywhat our JAGUAR F-PACE Customers say
Platinum Trusted Service
4.9/5
5
16
4
2
3
0
2
0
1
0
18 Reviews for Jaguar F Pace
Platinum Trusted Service
4.9/5
5
16
4
2
3
0
2
0
1
0
18 Reviews for Jaguar F Pace
Anonymous User
Really good sized SUV with a touch of luxury. Lots of functions as standard that you would normally pay extra for.
Posted one year ago
Richard Townsend
Great car to look at and drive.
Posted one year ago
Domestic Appliance Retail Traders
GOOD TO DRIVE AND EASY TO PARK
Posted 2 years ago
Anonymous User
Fantastic vehicle choice.
Posted 2 years ago
Anonymous User
Everything i expected and a well made car
Posted 2 years agoTALK TO
OUR TEAM
CALLS ARE CHARGED AT YOUR STANDARD RATE & ARE INCLUSIVE IN YOUR MOBILE ALLOWANCE.
Lines are open:
Mon - Fri |
7:00 am - 9:00 pm
Sat - Sun |
10:00 am - 8:00 pm
ACCREDITATION
& PARTNERS
Synergy Automotive Ltd trading as Synergy Car Leasing is authorised and regulated by the Financial Conduct Authority (FCA) FRN 660618. Synergy Automotive Ltd trading as Synergy Car Leasing is a credit broker and not a lender.
