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CALIFORNIAUNCLAIMED PROPERTY SERVICES Claim Property

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Search California Unclaimed Property — Free

Enter a name exactly as it may have appeared on an old account. We search the State Controller’s published records under every reasonable variant of it, not just the spelling you typed.

111 records carry that name

The 100 shown below are worth $89,445 between them. A match is not proof — the State holds many people with the same name, and establishing which record is yours is the real work of a claim.

The State holds 2,263 records under the surname Lloyd, worth $1,976,141. See every city and first name they are recorded under

  • Strong match

    Thomas Lloyd

    Uncashed check · San Francisco, CA

    Reported by Fidelity National Title Company

    A claim on this will have to be notarized.

    $3,518.88
    Start this claim

    State ID 17831760

  • Strong match

    Thomas V Lloyd

    Cash held by the State · Los Angeles, CA

    Reported by Principal Life Insurance Co

    A claim on this will have to be notarized.

    $2,125.00
    Start this claim

    State ID 9505042

  • Strong match

    Thomas W Lloyd

    Cash held by the State · Chico, CA

    Reported by Jhusa John Hancock Life Ins Co Usa

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,898.14
    Start this claim

    State ID 970917540

  • Strong match

    Thomas J Lloyd

    Unpaid dividends · Placentia, CA

    Reported by Ch Energy Group

    A claim on this will have to be notarized.

    $1,829.47 Ch Energy Group Inc
    Start this claim

    State ID 952684180

  • Strong match

    Thomas Lloyd

    Uncashed check · Van Nuys, CA

    Reported by Preferred Bank

    A claim on this will have to be notarized.

    $1,518.95
    Start this claim

    State ID 961862521

  • Strong match

    Thomas Lloyd

    Insurance proceeds · Santa Ana, CA

    Reported by Ace American

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,310.66
    Start this claim

    State ID 16386329

  • Strong match

    Thomas O Lloyd

    Stocks or securities · San Francisco, CA

    Reported by J P Morgan & Co Inc

    A claim on this will have to be notarized.

    $1,184.68 J P Morgan & Co
    Start this claim

    State ID 12518722

  • Strong match

    Thomas W Lloyd

    Stocks or securities · Chico, CA

    Reported by John Hancock Financial Services Inc

    A claim on this will have to be notarized.

    $986.00
    Start this claim

    State ID 15664742

  • Strong match

    Thomas Lloyd

    Unclaimed refund · Rancho Santa Ma, CA

    Reported by Western National Property Mgmt Co Inc

    $573.50
    Start this claim

    State ID 15156180

  • Strong match

    Thomas Lloyd

    Unclaimed refund · Placerville, CA

    Reported by Pacific Gas & Electric Company

    $429.64
    Start this claim

    State ID 1030801013

  • Strong match

    Thomas Lloyd

    Stocks or securities · Altadena, CA

    Reported by Metlife Inc

    A claim on this will have to be notarized.

    $397.44 Metlife Inc
    Start this claim

    State ID 16307391

  • Strong match

    Thomas Lloyd

    Cash held by the State · San Francisco, CA

    Reported by Google Payment Corporation

    $380.00
    Start this claim

    State ID 1003660302

  • Strong match

    Thomas Samantha Lloyd

    Cash held by the State · Elk Grove, CA

    Reported by Union Security Insurance Company

    $305.60
    Start this claim

    State ID 975337284

  • Strong match

    Thomas W Lloyd

    Cash held by the State

    Reported by Bank Of America Nt&sa Branch:0335-university Village Br

    $256.37
    Start this claim

    State ID 9248722

  • Strong match

    Thomas G Lloyd

    Cash held by the State

    Reported by Hungarian Reformed Federation Of America

    $219.00
    Start this claim

    State ID 11517264

  • Strong match

    Thomas Lloyd

    Escrow balance · Huntington Beach, CA

    Reported by Countrywide Home Loans Inc

    $191.42
    Start this claim

    State ID 959372184

  • Strong match

    Thomas Lloyd

    Unpaid wages · Walnut Creek, CA

    Reported by Brinker International Payroll Company L.

    $129.21
    Start this claim

    State ID 973328040

  • Strong match

    Thomas R Lloyd

    Cash held by the State · San Francisco, CA

    Reported by Barclays Bank Delaware

    $115.51
    Start this claim

    State ID 1026236335

  • Strong match

    Thomas Lloyd

    Cash held by the State · Victorville, CA

    Reported by Metropolitan Life Insurance Company

    Held jointly with 1 other person

    $108.84
    Start this claim

    State ID 1031661127

  • Likely match

    T J Lloyd

    Cash held by the State

    Reported by State Mutual Savings And Loan Assoc

    $425.06
    Start this claim

    State ID 359255

  • Likely match

    T Lloyd

    Cash held by the State · Ontario, CA

    Reported by Southern California Edison Co

    Held jointly with 1 other person

    $279.72
    Start this claim

    State ID 9637303

  • Likely match

    T Scott Lloyd

    Cash held by the State · Los Angeles, CA

    Reported by California Fair Plan Association

    $125.36
    Start this claim

    State ID 1010399666

  • Likely match

    T Scott Lloyd

    Cash held by the State · Los Angeles, CA

    Reported by California Fair Plan Association

    $117.44
    Start this claim

    State ID 1018421714

  • Likely match

    Thomas Leddy

    Uncashed check · Westminster, CA

    Reported by Bank Of America - California Na (318)

    A claim on this will have to be notarized.

    $3,273.35
    Start this claim

    State ID 994650924

  • Likely match

    Thomas Ladd

    Uncashed check

    Reported by Veeco Instruments Inc

    A claim on this will have to be notarized.

    $1,699.32
    Start this claim

    State ID 1039245094

  • Likely match

    Thomas Litty

    Unclaimed refund · San Jose, CA

    Reported by Roundpoint Mortgage Servicing Corporation

    A claim on this will have to be notarized.

    $1,524.29
    Start this claim

    State ID 1059359844

  • Likely match

    Thomas M Leuty

    Cash held by the State · Beaumont, CA

    Reported by Trinity Universal Insurance

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,425.48
    Start this claim

    State ID 1037763328

  • Likely match

    Thomas E Lett

    Cash held by the State · Ontario, CA

    Reported by Aurora National Life

    $981.63
    Start this claim

    State ID 967477876

  • Likely match

    Thomas M Luedi

    Stocks or securities · Los Angeles, CA

    Reported by Td Ameritrade Clearing Inc.

    A claim on this will have to be notarized.

    $803.06 Oracle Corp
    Start this claim

    State ID 971848909

  • Likely match

    Thomas L Iii Leto

    Uncashed check · Newport Beach, CA

    Reported by Branch Banking & Trust Company- Mortgage Lending

    $760.48
    Start this claim

    State ID 999570475

  • Likely match

    Thomas Ladd

    Unpaid wages · Carlsbad, CA

    Reported by Viasat Inc

    $655.20
    Start this claim

    State ID 1000700175

  • Likely match

    Thomas Latai

    Unpaid wages · Jacksonville, FL

    Reported by Phoenix Settlement Admn. (mccoy, Et Al. V. Road Runner 2023)

    $495.60
    Start this claim

    State ID 1089706839

  • Likely match

    Thomas R Jr Latta

    Uncashed check · San Diego, CA

    Reported by Wells Fargo Bank Na

    Someone has already filed a claim on this property. It may be you, or it may not.

    $391.00
    Start this claim

    State ID 1001174848

  • Likely match

    Thomas Litt

    Cash held by the State · Stockton, CA

    Reported by State Farm General Insurance Company

    $383.00
    Start this claim

    State ID 974557757

  • Likely match

    Thomas Ladd

    Uncashed check

    Reported by Veeco Instruments Inc

    $357.00
    Start this claim

    State ID 1039245093

  • Likely match

    Thomas C Ledda

    Savings account · Hillsborough, CA

    Reported by Citibank (west) Fsb (ca)

    Held jointly with 1 other person

    $328.48
    Start this claim

    State ID 16797336

  • Likely match

    Thomas P Ledda

    Savings account · Hillsborough, CA

    Reported by Citibank (west) Fsb (ca)

    Held jointly with 1 other person

    $309.58
    Start this claim

    State ID 16797335

  • Likely match

    Thomas Lott

    Credit balance · Palm Springs, CA

    Reported by University Of Southern California

    $306.03
    Start this claim

    State ID 14746083

  • Likely match

    Thomas Liddy

    Insurance proceeds · Hollywood, CA

    Reported by State Farm Mutual Automobile Insurance Company

    $239.86
    Start this claim

    State ID 12279709

  • Likely match

    Thomas J Mr Liddy

    Cash held by the State · San Jose, CA

    Reported by Upromise Inc

    $212.62
    Start this claim

    State ID 967977484

  • Likely match

    Thomas J Laut

    Cash held by the State · San Ramon, CA

    Reported by Ncr Corporation

    Held jointly with 1 other person

    $204.90
    Start this claim

    State ID 14967092

  • Likely match

    Thomas Lehto

    Cash held by the State · La Mesa, CA

    Reported by Payflex Systems Usa Inc

    $199.83
    Start this claim

    State ID 994499450

  • Worth checking

    Tal Lloyd

    Uncashed check

    Reported by Mirastar Federal Credit Union

    A claim on this will have to be notarized.

    $16,969.55
    Start this claim

    State ID 973396023

  • Worth checking

    Tammy Lloyd

    Insurance proceeds · Lafayette, CA

    Reported by State Farm General Insurance Company

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $4,887.55
    Start this claim

    State ID 15054266

  • Worth checking

    Lloyd

    Money order

    Reported by Wells Fargo & Company

    Someone has already filed a claim on this property. It may be you, or it may not.

    A claim on this will have to be notarized.

    $3,500.00
    Start this claim

    State ID 987426564

  • Worth checking

    Trevor A Lloyd

    Cash held by the State · Ontario, CA

    Reported by Talcott Resolution Life Insurance Co.

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $3,097.55
    Start this claim

    State ID 999501412

  • Worth checking

    Trevor A Lloyd

    Stocks or securities · Ontario, CA

    Reported by Metlife Inc

    A claim on this will have to be notarized.

    $3,050.83 Metlife Inc
    Start this claim

    State ID 993908794

  • Worth checking

    Trevor N Lloyd

    Stocks or securities · Edmonton Ab, CA

    Reported by Petsmart Inc.

    A claim on this will have to be notarized.

    $1,704.22 Petsmart Inc
    Start this claim

    State ID 16538811

  • Worth checking

    Trevor A Lloyd

    Uncashed check · Ontario, CA

    Reported by Wells Fargo Bank, Na (apecs 1009)

    A claim on this will have to be notarized.

    $1,454.96
    Start this claim

    State ID 1011102231

  • Worth checking

    Terry L Lloyd

    Stocks or securities · Elk Grove, CA

    Reported by 101 Templeton Growth Fund Inc

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,441.38 Templeton Growth Fd A
    Start this claim

    State ID 15621997

  • Worth checking

    Trevor N Lloyd

    Stocks or securities · Edmondton Ab, CA

    Reported by Petsmart Inc.

    A claim on this will have to be notarized.

    $1,363.38 Petsmart Inc
    Start this claim

    State ID 16538805

  • Worth checking

    Tina Lloyd

    Cash held by the State · Sacramento, CA

    Reported by Metropolitan Life Insurance Company

    Held jointly with 1 other person

    A claim on this will have to be notarized.

    $1,195.89
    Start this claim

    State ID 998709030

  • Worth checking

    Ted Lloyd

    Uncashed check · San Carlos, CA

    Reported by Security Pacific Asian Bank

    A claim on this will have to be notarized.

    $1,038.80
    Start this claim

    State ID 1792796

  • Worth checking

    Trevor Lloyd

    Cash held by the State · Hollywood, CA

    Reported by Union Labor Life Insurance Company The

    A claim on this will have to be notarized.

    $1,000.00
    Start this claim

    State ID 1415789

  • Worth checking

    Ting Lloyd

    Unpaid wages · San Jose, CA

    Reported by Sony Electronics Inc

    Someone has already filed a claim on this property. It may be you, or it may not.

    $873.41
    Start this claim

    State ID 981300432

  • Worth checking

    Termite Control Lloyd

    Escrow balance · Desert Hot Springs, CA

    Reported by Glen Oaks Escrow Inc. - Val

    $812.00
    Start this claim

    State ID 1000373228

  • Worth checking

    Taliesen Lloyd

    Uncashed check

    Reported by Jpmorgan Chase Bank N.a.

    $652.01
    Start this claim

    State ID 974092428

  • Worth checking

    Taylor Lloyd

    Cash held by the State · North Hollywood, CA

    Reported by Health Net Inc

    $642.35
    Start this claim

    State ID 980369599

  • Worth checking

    T Thorp Letty

    Uncashed check · La Mesa, CA

    Reported by Lim V Tokyo Teriyaki Corporation Dba Chowking

    $630.69
    Start this claim

    State ID 1068783558

  • Worth checking

    Tal A Lloyd

    Cash held by the State · Santa Rosa, CA

    Reported by Civil Service Employees Insurance Compan

    $614.00
    Start this claim

    State ID 977989450

  • Worth checking

    Tracey A Lloyd

    Stocks or securities

    Reported by Gte Shareholder Service Inc

    A claim on this will have to be notarized.

    $565.98 Gte Corp
    Start this claim

    State ID 9462067

  • Worth checking

    Teresa Lloyd

    Cash held by the State · Escondido, CA

    Reported by Colonial Life & Accident Insurance Company

    Held jointly with 1 other person

    $550.00
    Start this claim

    State ID 1024829273

  • Worth checking

    Teresa Lloyd

    Cash held by the State · Escondido, CA

    Reported by Colonial Life & Accident Insurance Company

    Held jointly with 1 other person

    $550.00
    Start this claim

    State ID 1024829273

  • Worth checking

    Tom Lloyd

    Insurance proceeds · Los Angeles, CA

    Reported by Hartford Fire Insurance Company

    $500.00
    Start this claim

    State ID 15229926

  • Worth checking

    T L Ludy

    Stocks or securities · Foster City, CA

    Reported by Metlife Inc

    A claim on this will have to be notarized.

    $437.08 Metlife Inc
    Start this claim

    State ID 16308445

  • Worth checking

    T Leddy

    Unclaimed refund · Westminster, CA

    Reported by Time Warner Cable Inc

    $388.20
    Start this claim

    State ID 991368857

  • Worth checking

    Todd C Lloyd

    Escrow balance · Brentwood, CA

    Reported by First American Title Co

    Held jointly with 1 other person

    $378.45
    Start this claim

    State ID 1005023119

  • Worth checking

    Trever Lloyd

    Credit balance

    Reported by Emmett A Larkin Co Inc

    $367.88
    Start this claim

    State ID 17240323

  • Worth checking

    Teresa Lloyd

    Cash held by the State · Escondido, CA

    Reported by Colonial Life & Accident Insurance Company

    Held jointly with 1 other person

    $350.00
    Start this claim

    State ID 1024829272

  • Worth checking

    Teresa Lloyd

    Cash held by the State · Escondido, CA

    Reported by Colonial Life & Accident Insurance Company

    Held jointly with 1 other person

    $350.00
    Start this claim

    State ID 1024829272

  • Worth checking

    Lloyd

    Cash held by the State · Diamond Bar, CA

    Reported by Viking River Cruises Inc

    Someone has already filed a claim on this property. It may be you, or it may not.

    $345.74
    Start this claim

    State ID 1026736651

  • Worth checking

    Turnacliff Lloyd

    Cash held by the State · Sacramento, CA

    Reported by Exxonmobil Corp

    $318.22
    Start this claim

    State ID 15079726

  • Worth checking

    T Ruiz Lida

    Unpaid wages

    Reported by Phoenix Settlement Admn. (evans V. Walmart 2023)

    $307.45
    Start this claim

    State ID 1071919434

  • Worth checking

    Toby Lloyd

    Unclaimed refund · San Luis Obispo, CA

    Reported by California Capital Ins Company

    Held jointly with 1 other person

    $296.00
    Start this claim

    State ID 954299953

  • Worth checking

    Timothy H Lloyd

    Stocks or securities · San Francisco, CA

    Reported by Monetta Fund, Inc.

    A claim on this will have to be notarized.

    $284.48 Monetta Fund Inc
    Start this claim

    State ID 13889518

  • Worth checking

    Timothy S Lloyd

    Cash held by the State · Fort Irwin, CA

    Reported by Upromise Llc

    $271.35
    Start this claim

    State ID 986060242

  • Worth checking

    Therese Lloyd

    Cash held by the State · San Diego, CA

    Reported by Interinsurance Exchange Of The Automobil

    Held jointly with 1 other person

    $260.56
    Start this claim

    State ID 11548272

  • Worth checking

    Theresina Lloyd

    Credit balance · Anaheim, CA

    Reported by Synchrony Bank

    $250.00
    Start this claim

    State ID 1045452239

  • Worth checking

    Trevor A Lloyd

    Cash held by the State · Ontario, CA

    Reported by Athene Annuity And Life Co

    $250.00
    Start this claim

    State ID 988892343

  • Worth checking

    Trevor A Lloyd

    Cash held by the State · Ontario, CA

    Reported by Athene Annuity And Life Co

    $250.00
    Start this claim

    State ID 988892342

  • Worth checking

    Trevor A Lloyd

    Cash held by the State · Ontario, CA

    Reported by Athene Annuity And Life Co

    $250.00
    Start this claim

    State ID 988892341

  • Worth checking

    Tiffany Lloyd

    Cash held by the State · Bakersfield, CA

    Reported by Employers Assurance Company

    $242.66
    Start this claim

    State ID 1041712867

  • Worth checking

    Tiffany Lloyd

    Cash held by the State · Bakersfield, CA

    Reported by Employers Assurance Company

    $242.66
    Start this claim

    State ID 1041712853

  • Worth checking

    Tiffany Lloyd

    Cash held by the State · Bakersfield, CA

    Reported by Employers Assurance Company

    $242.66
    Start this claim

    State ID 1041712838

  • Worth checking

    Tiffany Lloyd

    Cash held by the State · Bakersfield, CA

    Reported by Employers Assurance Company

    $242.66
    Start this claim

    State ID 1041712826

  • Worth checking

    Tiffany Lloyd

    Cash held by the State · Bakersfield, CA

    Reported by Employers Assurance Company

    $242.66
    Start this claim

    State ID 1041712811

  • Worth checking

    Tiffany Lloyd

    Cash held by the State · Bakersfield, CA

    Reported by Employers Assurance Company

    $242.66
    Start this claim

    State ID 1041712803

  • Worth checking

    Troy R Lloyd

    Savings account · Hemet, CA

    Reported by Bank Of America United Kingdom

    $238.74
    Start this claim

    State ID 961639082

  • Worth checking

    Trevor A Lloyd

    Stocks or securities · Ontario, CA

    Reported by Brighthouse Financial Inc

    A claim on this will have to be notarized.

    $215.29 Brighthouse Finl Inc
    Start this claim

    State ID 1018724544

  • Worth checking

    Theresa M Lloyd

    Stocks or securities · Pismo Beach, CA

    Reported by Deluxe Corporation

    A claim on this will have to be notarized.

    $211.60 Deluxe Corporation
    Start this claim

    State ID 1025505117

  • Worth checking

    T W Laude

    Unclaimed refund · San Jose, CA

    Reported by American Bankers Insurance Company

    $208.93
    Start this claim

    State ID 12643331

  • Worth checking

    Temetrius L Lloyd

    Unpaid wages · Oakland, CA

    Reported by Safeway Inc

    $208.42
    Start this claim

    State ID 996777341

  • Worth checking

    Travis Lloyd

    Cash held by the State · San Jose, CA

    Reported by Pathward

    $207.46
    Start this claim

    State ID 1032640743

  • Worth checking

    Te Lloyd

    Insurance proceeds · Citrus Heights, CA

    Reported by Gulf Insurance Co

    $199.80
    Start this claim

    State ID 13318012

  • Worth checking

    Thompson Lloyd

    Unpaid dividends · Long Beach, CA

    Reported by Honeywell International Inc

    $189.72
    Start this claim

    State ID 1069098610

  • Worth checking

    Toby B Lloyd

    Unpaid wages · Antioch, CA

    Reported by Safeway Inc

    $187.25
    Start this claim

    State ID 1025407050

  • Worth checking

    Tal Lloyd

    Uncashed check · Santa Rosa, CA

    Reported by Csaa Insurance Group

    $178.54
    Start this claim

    State ID 978714175

  • Worth checking

    Tony M Lloyd

    Unpaid wages · Bloomington, CA

    Reported by Adecco Inc.

    $175.97
    Start this claim

    State ID 13728624

  • Worth checking

    Tammy L Lloyd

    Unpaid wages · Santa Rosa, CA

    Reported by Live Bridge Inc

    $173.40
    Start this claim

    State ID 962874147

  • Worth checking

    Talbot Peggy S Lloyd

    Cash held by the State · Morgan Hill, CA

    Reported by Capital One Bank National Association

    $166.88
    Start this claim

    State ID 961928708

Showing the 100 most valuable of 142. That is a common name — add a first name or a city to narrow it, and try any former spelling.

Tell us if this name comes up again

Banks and insurers hand accounts to the State Controller roughly twice a year, and the file grows every time. We will keep checking this name against each new file and write to you if it appears.

Only about this name, and you can stop it from any email. We do not sell or share the address.

How You Are Protected

Our fee is capped at ten per cent of what is recovered by Code of Civil Procedure §1582, and nothing is owed until the State Controller has paid you. If we recover nothing, you owe nothing.

There is no deadline. The State holds unclaimed property indefinitely, so nothing here is urgent.

A Second State File

3 probate estates carry that name

Separately from unclaimed accounts, the State Controller publishes the estates of deceased people that reached it through county probate. This file names the decedent and the heirs on record, which the main file does not.

3 more under that name that can no longer be claimed

When an estate goes unclaimed long enough, the State takes permanent title to it and no claim will be paid afterwards. These are shown because knowing what happened to a relative’s estate is worth something even when the money is gone. Nobody can recover these — if a firm offers to, that alone tells you what they are.

  • Lloyd Marguerite

    Probate estate · Riverside County · 1999

    Matched on Lloyd Thomas V Jr. (heir)

    Permanently escheated — the State now owns this and it cannot be claimed.

    $4,158.69 closed

    State ID 956811132
    Case NONE PROVIDED

  • Lloyd Margurite

    Probate estate · Riverside County · 1999

    Matched on Lloyd Thomas V (heir)

    Permanently escheated — the State now owns this and it cannot be claimed.

    $1,020.45 closed

    State ID 956825311
    Case 56016

  • Trueblood Dorothy Hn

    Probate estate · Alameda County · 1994

    Matched on Lloyd Teresa T (heir)

    Permanently escheated — the State now owns this and it cannot be claimed.

    $0.00 closed

    State ID 956826904
    Case 2395401

Fees on probated estates are not capped by the ten per cent rule that governs ordinary unclaimed property. How estate claims work, including what we would charge and why the difference exists.

Commissioned California Notary Public $15,000 surety bond Fee capped at 10% by state law Nothing owed until you are paid
10%
Maximum fee, by statute
Code of Civil Procedure §1582 caps any recovery fee at ten percent of the property returned.
$1,000
Notarization threshold
Cash claims at or above this must be notarized. So must all securities and safe deposit boxes.
7 days
Data refresh cycle
The State Controller republishes the full record set every Thursday, and we rebuild our copy from it.
None
Deadline to claim
California places no time limit. The State holds unclaimed property indefinitely.

How This Search Differs from the Official One

The State Controller’s own search matches what you type, and nothing else. Ours also finds maiden names, married names, initials, common misspellings, hyphen variants, and business names with and without their suffixes — because the record was created by whoever held the account, not by you.

Every result comes from the Controller’s own published file, which we rebuild weekly. Each one carries the State’s own property ID, so the record you are looking at is traceable to the source rather than to us.

What We Search Under

  • Your name as typed, plus initials and middle-name variants
  • Maiden and former married names, if you tell us them
  • Common misspellings and transposed letters
  • Former addresses in California
  • Business names with and without Inc., LLC, Co. and DBAs

How You Are Protected

Our fee is capped at ten per cent of what is recovered by Code of Civil Procedure §1582, and nothing is owed until the State Controller has paid you. If we recover nothing, you owe nothing.

California Unclaimed Property Services is a private asset recovery firm. We are not the California State Controller’s Office.

Find out in About Thirty Seconds

Give us a name and we will check the State Controller’s records under every reasonable variant of it. Asking costs nothing and commits you to nothing.