Purpose: To determine the impact of service encounter in stimulating voluntary customer behaviors.

• Approach / methodology: It was selected a sample of customers Bank Iraqi Trade (TBI) was (105) individual, using a questionnaire designed in the light of previous studies, was drafted scale and tested in the light of a group of statistical methods developed (reliability coefficient, reliability coefficient composite, convergence). Then test hypotheses through structural equation modeling.
• Results: The behaviors and characteristics of the service provider in effect urged bank customers to perform voluntary extra, as the service environment service encounter

The design of fabrics and fashion is manifested by aesthetic advantages betting with the movement of society in its quest to develop as an independent art in itself that is linked to the values and aesthetic concepts of other arts and what appears in them of intellectual systems calling for renewal and modernity. Which brought about a wide change in public taste, as well as a desire for innovation . Which made fashion an interesting aesthetic phenomenon and taste is always subject to change constantly to comply with the social variables that occur in human life, as the fashion that appears in a certain era of time and takes a great distance from spreading as something new and out of the ordinary is in fact the fruit of the development of

This review aims to evaluate the intellectual and literary role of Yosef Chaim Brenner in reshaping the concept of identity in modern Hebrew literature, and draws a map of his period from the late 1890s to the period between the two world wars, when his articles, stories and memoirs contributed to the development of the Hebrew language as a creative and political medium in Palestine/Israel. The Ottoman Empire and the British Mandate rule (circa 1921-1895), and this review sheds light on narrative techniques, linguistic innovation, cultural differences and the modernist movement in Hebrew literature, and the conflict between religion and modernity touched upon in his literary works. Critical readings of the Jewish heritage with the introduct