Manchester commercial litigation partner Dan Deane authored this article about what businesses should know about the Consumer Financial Protection Bureau's new rule that limits arbitration use in consumer
financial products and services agreements.
The Offer is subject to the terms and conditions of the Simplii
Financial Products and Services Agreement
Not exact matches
Such statements include, but are not limited to, statements about the continued demand for our
product, the wind - down of ExpressJet's flying
agreement with Delta,
and the related removal from
service and / or placement into
service of certain aircraft, the scheduled aircraft deliveries for SkyWest Airlines for 2018, as well as SkyWest's future
financial and operating results, plans, objectives, expectations, estimates, intentions
and outlook,
and other statements that are not historical facts.
Such risks, uncertainties
and other factors include, without limitation: (1) the effect of economic conditions in the industries
and markets in which United Technologies
and Rockwell Collins operate in the U.S.
and globally
and any changes therein, including
financial market conditions, fluctuations in commodity prices, interest rates
and foreign currency exchange rates, levels of end market demand in construction
and in both the commercial
and defense segments of the aerospace industry, levels of air travel,
financial condition of commercial airlines, the impact of weather conditions
and natural disasters
and the
financial condition of our customers
and suppliers; (2) challenges in the development, production, delivery, support, performance
and realization of the anticipated benefits of advanced technologies
and new
products and services; (3) the scope, nature, impact or timing of acquisition
and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses
and realization of synergies
and opportunities for growth
and innovation; (4) future timing
and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition,
and capital spending
and research
and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit
and factors that may affect such availability, including credit market conditions
and our capital structure; (6) the timing
and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions
and the level of other investing activities
and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays
and disruption in delivery of materials
and services from suppliers; (8) company
and customer - directed cost reduction efforts
and restructuring costs
and savings
and other consequences thereof; (9) new business
and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification
and balance of operations across
product lines, regions
and industries; (12) the outcome of legal proceedings, investigations
and other contingencies; (13) pension plan assumptions
and future contributions; (14) the impact of the negotiation of collective bargaining
agreements and labor disputes; (15) the effect of changes in political conditions in the U.S.
and other countries in which United Technologies
and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies
and currency exchange rates in the near term
and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts
and Jobs Act of 2017), environmental, regulatory (including among other things import / export)
and other laws
and regulations in the U.S.
and other countries in which United Technologies
and Rockwell Collins operate; (17) the ability of United Technologies
and Rockwell Collins to receive the required regulatory approvals (
and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger)
and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger
agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies»
and / or Rockwell Collins» common stock
and / or on their respective
financial performance; (20) risks related to Rockwell Collins
and United Technologies being restricted in their operation of their businesses while the merger
agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs
and / or unknown liabilities; (22) risks associated with third party contracts containing consent
and / or other provisions that may be triggered by the Rockwell merger
agreement; (23) risks associated with merger - related litigation or appraisal proceedings;
and (24) the ability of United Technologies
and Rockwell Collins, or the combined company, to retain
and hire key personnel.
Comments received by the Department
and media reports also indicate that many
financial institutions already had completed or largely completed work to establish policies
and procedures necessary to make the business structure
and practice shifts required by the Impartial Conduct Standards earlier this year (e.g., drafting
and implementing training for staff, drafting client correspondence
and explanations of revised
product and service offerings, negotiating changes to
agreements with
product manufacturers as part of their approach to compliance with the PTEs, changing employee
and agent compensation structures,
and designing conflict - free
product offerings),
and the Department believes that
financial institutions may use this compliance infrastructure to ensure that they meet the Impartial Conduct Standards after taking the additional Start Printed Page 16910sixty days for an orderly transition between June 9, 2017,
and January 1, 2018.
goeasy collects
and uses personal information for purposes limited to those which are related to its businesses, which include providing household furnishings, appliances,
and home electronic
products to its customers under lease
agreements, staging
services, mortgage brokerage
services and financial services.
When the new Comprehensive
and Progressive
Agreement for Trans - Pacific Partnership is implemented, Canadians will gain enhanced market access for everything from agricultural goods to advanced manufacturing exports,
financial services and forestry
products.
The line - of - credit
and Master Lease
Agreement concepts save you both time
and money
and provide you with all - encompassing
financial solutions that allow you to bundle a variety of
products and services into one monthly payment.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment
and consumer spending patterns, decreased consumer demand for Barnes & Noble's
products, low growth or declining sales
and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security
and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping
service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories
and other merchandise
and other adverse
financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that
financial and operational forecasts
and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations
and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital
and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects,
product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives
and the potential separation of the Company's businesses, the risk that the transactions with Microsoft
and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft
and Pearson commercial
agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of,
and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business
and the expected costs
and benefits of such efforts
and associated risks
and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013,
and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment
and consumer spending patterns, decreased consumer demand for Barnes & Noble's
products, low growth or declining sales
and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security
and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping
service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories
and other merchandise
and other adverse
financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that
financial and operational forecasts
and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations
and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital
and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects,
product and component shortages, risks associated with the commercial
agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives
and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson
and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial
agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson
and Samsung commercial
agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial
agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of,
and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business
and the expected costs
and benefits of such efforts
and associated risks
and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014,
and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
«This
agreement gives us the opportunity to expand our
financial services product portfolio
and introduce consumers in Ecuador to the Discover brand, which has a proven track record of success in the U.S.,» said Pablo Salazar, president of Diners Club Ecuador, in a statement.
You Too Can Accept Credit Cards Card Gives Virtual Rewards When You Spend Real Cash Consumers Know More About Credit Scores, but Knowledge Gaps Still Prove Costly New Guide Takes Mystery out of Prepaid Cards Contactless Credit Cards Could Encourage Spending Chase
and LivingSocial Offer a Deal of a Card Women Pay More Than Men for Credit Cards, Study Finds Springtime Means New Bonuses for Popular Rewards Cards Convenience Stores Pass Credit Card Fees on to Consumers Discover Expands Internationally, Sets EMV Mandate American Express Cardholders Can Tweet for Savings Contactless Payments: The Faster Way to Pay MasterCard Offers «Priceless» City Experiences Plain Vanilla Cards Pack a Big Punch Scrap the Plastic: A New Way to Pay is Coming Americans»
Financial Situation Improving - Not Out of the Woods True Romance is About Discussing Finances FTC Action Stops Fake Credit Card Telemarketing Operation MasterCard Lays Out EMV Roadmap Sovereign Bank Launches a «Sphere» of a Simplified Card New Year Starts with Mixed News on Credit Defaults Suze Orman Pushes Prepaid Card Citibank Makes Rewards Program Social It's Never Too Early to Teach Children About Credit Cards New
Services Offer Loyalty Programs Through Credit Cards Consumer
Financial Protection Bureau Launches Card
Agreement Simplification Project Credit Card Users Focus on
Product Benefits, Not Cost, Says New Survey Spend Wisely this Holiday Season EMV Chip Technology Continues to Spread in the U.S. Interested In Calculating Interest?
ALPS, a DST Company providing
products and services to the
financial services industry, today announced it has entered into a preliminary
agreement with Navigate Fund Solutions LLC, a subsidiary of Eaton Vance Corp., to support the launch of a family of ALPS NextShares ™ exchange - traded managed funds.
So what we need to do is make sure we're tailoring our information to meet the needs of those people, but also understanding some of the vulnerabilities that our more remote
and regional Indigenous consumers face, who might not have had the same opportunity to interact with
financial products and services as other consumers,
and might not have so readily entered into commercial
agreements in the past.
In addition,
financial advisors / Client Managers may continue to use information collected online to provide
product and service information in accordance with account
agreements.
DENVER --(BUSINESS WIRE)-- ALPS, a DST Company providing
products and services to the
financial services industry, today announced it has entered into a preliminary
agreement with Navigate Fund Solutions LLC (Navigate), a subsidiary of Eaton Vance Corp. (NYSE: EV), to support the launch of a family of ALPS NextShares ™ exchange - traded managed funds.
goeasy collects
and uses personal information for purposes limited to those which are related to its businesses, which include providing household furnishings, appliances,
and home electronic
products to its customers under lease
agreements, staging
services, mortgage brokerage
services and financial services.
In addition,
financial advisors / Client Managers may continue to use information collected online to provide
product and service information in accordance with account
agreements.
Kiran's experience includes advising a FTSE 100 energy company on its global HR
and payroll outsourcing, advising a FTSE 100
financial institution on a framework
agreement for procuring IT
services from a single supplier (including applications development
and support
and maintenance
services), advising a central government department on the procurement of
financial advisory
services, advising a multinational infrastructure group on the procurement of its treasury management system using a cloud hosting solution, advising an international supplier of insulation, roofing
and construction
products on its procurement of an ERP system
and advising an international packaging business on its terms
and conditions for online selling to consumers.
To go into effect next Spring, the final rule would have prohibited providers of certain consumer
financial products and services from using an
agreement with... Read More
Sugar Exchange (SGR), the brand new cryptocurrency exchange that is due out the first half of this year, has announced a new software licensing
agreement with Modulus Global, a market - leading provider of
financial technology
products and services for professional traders, hedge funds, brokerages,
and financial institutions.
Business Manager — Duties & Responsibilities Direct daily restaurant operations, marketing, customer
service,
and finances for multiple establishments Hire, train,
and direct large staffs ensuring they understand that brand
and adhere to corporate protocols Responsible for multimillion dollar inventory, facility,
and professional food preparation equipment Set company budgets, maintain profit / loss statements,
and ensure overall
financial health Determine employee schedules, responsibilities,
and dress code Increase sales through effective marketing
and customer
service Cut operational costs through efficient inventory management
and employee scheduling Negotiate contracts
and agreements with suppliers securing quality
products at low prices Ensure compliance with all applicable health
and safety regulations Enforce corporate food
and beverage quality standards Create employee development programs building staff skill sets
and value Utilize employee recognition tactics to build morale
and company loyalty Develop a loyal client base through excellent customer
service and a quality
product Build
and strengthen relationships with clients, staff, vendors,
and community leaders Perform administrative duties such as data entry, filing, faxing,
and phones as needed Fluent in Albanian, English,
and Spanish.
Business Manager — Duties & Responsibilities Direct daily restaurant operations, marketing, customer
service,
and finances for multiple locations Hire, train,
and direct large staffs ensuring they understand that brand
and adhere to corporate protocols Responsible for multimillion dollar inventory, facility,
and professional food preparation equipment Set company budgets, maintain profit / loss statements,
and ensure overall
financial health Determine employee schedules, responsibilities,
and dress code Increase sales by 5 % each year through effective marketing
and customer
service Cut operational costs through efficient inventory management
and employee scheduling Negotiate contracts
and agreements with suppliers securing quality
products at low prices Ensure compliance with all applicable health
and safety regulations Enforce corporate food
and beverage quality standards Create employee development programs building staff skill sets
and value Utilize employee recognition tactics to build morale
and company loyalty Develop a loyal client base through excellent customer
service and a quality
product Build
and strengthen relationships with clients, staff, vendors,
and community leaders Completed management training program through Fatburger corporate university Certified in ServeSafe food handling procedures Perform administrative duties such as data entry, filing, faxing,
and phones as needed Represent brand with positivity, dedication,
and professionalism
Professional Duties & Responsibilities Directed sales
and customer
service operations for a variety of companies
and products Oversaw, trained,
and reviewed customer
service and sales staff ensuring effective operations Set
and managed $ 2.5 million company budget
and $ 1 million dollar inventory Consistently exceeded sales goals through cold calling, networking,
and other tactics Created
and presented
product and services demonstrations resulting in 75 % increase in new business Authored company
financial and sales reports to determine trending
and growth opportunities Designed
and implemented comprehensive marketing campaigns including all collateral materials Negotiated contracts
and agreements with vendors, distributors,
and partners Delivered exceptional customer
service resulting in client satisfaction
and repeat business Built
and strengthened relationships with key clients, partners, industry figures,
and community leaders Consistently promoted
and awarded for excellence in sales, customer
service,
and leadership
Hospitality Sales Manager — Duties & Responsibilities Direct all daily operations, sales, customer
service,
and finances for multiple hotels, resorts,
and other businesses Recruit, train,
and direct staff ensuring they understand the brand
and adhere to company policies
and procedures Design
and implement marketing
and sales campaigns resulting in increased revenue Consistently exceed sales goals through effective marketing, networking,
and other tactics Make cold calls in a courteous, yet assertive manner that translates to sales results Perform research on prospective leads
and existing clients to assist in developing sales strategies Craft effective sales presentations
and proposals, tailoring them to clients based on their specific needs
and styles Develop a rapport with customers
and orient them to various
products and services Encourage high customer retention by maintaining friendly, supportive contact with existing clients Interact with support staff
and company resources effectively to create the best consumer experience Maintain comprehensive records detailing pricings, sales, activities reports,
and other pertinent data Study internal literature to become an expert on
products and services Set company budgets, maintain profit / loss statements,
and ensure overall
financial health Cut operational costs through effective inventory management
and employee scheduling Negotiate contracts
and agreements with suppliers securing quality
products at low prices Create employee development programs building staff skill sets
and value Utilize employee recognition tactics to build morale
and company loyalty Perform administrative duties such as data entry, filing, faxing,
and phones as needed Represent company brand with poise, integrity,
and positivity
Professional Duties & Responsibilities Directed all daily operations, customer
service, personnel,
and finances for multiple hotels
and resorts Designed
and implemented marketing
and sales campaigns resulting in increased business Planned
and executed successful community events which enhanced brand awareness Responsible for multimillion dollar inventory, facility,
and professional food preparation equipment Recruited, trained,
and oversaw customer
service personnel, kitchen staff,
and cleaning crews Set company budgets, maintained profit / loss statements,
and ensured overall
financial health Cut operational costs through effective inventory management
and employee scheduling Negotiated contracts
and agreements with suppliers securing quality
products at low prices Performed site inspection tours as well as potential client tours Built
and maintained highly profitable corporate accounts Ensured compliance with all applicable health
and safety regulations Created employee development programs building staff skill sets
and value Utilized employee recognition tactics to build morale
and company loyalty Crafted an atmosphere of respect, professionalism,
and dedication to excellence Developed a loyal client base through excellent customer
service and a quality guest experience Built
and strengthened relationships with clients, staff,
and community leaders Performed administrative duties such as data entry, filing, faxing,
and phones as needed
Professional Duties & Responsibilities Directed sales
and customer
service operations for a variety of companies
and products Oversaw, trained,
and reviewed customer
service and sales staff ensuring effective operations Consistently exceeded sales goals through cold calling, networking,
and other tactics Authored company
financial and sales reports to determine trending
and growth opportunities Negotiated contracts
and agreements with vendors resulting in significant company revenue Delivered exceptional customer
service resulting in client satisfaction
and repeat business Conducted periodic client account reviews to ensure high level
service and information accuracy Resolved customer
service inquiries in a timely, positive,
and professional manner Built
and strengthened relationships with key clients, partners,
and industry leaders Responsible for e-commerce technology
and client information database Provided IT support, quality assurance analysis,
and system upgrades to increase efficiency Authored
and presented reports to senior leadership regarding data management best practices Consistently promoted
and awarded for excellence in sales, customer
service,
and leadership
Professional Duties & Responsibilities Directed all daily operations, customer
service, personnel,
and finances for varied restaurants Designed
and implemented marketing
and sales campaigns resulting in increased business Planned
and executed successful community events which enhanced brand awareness Responsible for multimillion dollar inventory, facility,
and professional food preparation equipment Recruited, trained,
and oversaw assistant managers, hosts, waiters,
and kitchen staff Set company budgets, maintained profit / loss statements,
and ensured overall
financial health Cut operational costs through effective inventory management
and employee scheduling Negotiated contracts
and agreements with suppliers securing quality
products at low prices Ensured compliance with all applicable health
and safety regulations Created employee development programs building staff skill sets
and value Utilized employee recognition tactics to build morale
and company loyalty Crafted an atmosphere of respect, professionalism,
and dedication to excellence Developed a loyal client base through excellent customer
service and a quality
product Ensured staff compliance with corporate food
and beverage standards of excellence Built
and strengthened relationships with clients, staff,
and community leaders Performed administrative duties such as data entry, filing, faxing,
and phones as needed