In the claims management company jurisdiction, there were 2,616 complaints investigated and resolved, the majority of which related to
financial products and services such as mis - sold payment protection insurance.
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.
«Businesses
and service providers were without the critical market infrastructure required to create fee - for -
service business models
and develop
financial products designed to help the poor withstand potentially ruinous
financial shocks
such as crop destruction.»
CNBC also has a vast portfolioof digital
products which deliver real - time
financial market news andinformation across a variety of platforms including: CNBC.com; CNBC PRO, thepremium, integrated desktop / mobile
service that provides live access to CNBCprogramming, exclusive video content
and global market data
and analysis; asuite of CNBC mobile
products including the CNBC Apps for iOS, Android andWindows devices;
and additional
products such as the CNBC App for the AppleWatch
and Apple TV.
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 person
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 person
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 person
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.
Morgan Stanley is hoping that a drastic cut in this kind of compensation will spur brokers to sell more
products,
such as mutual funds, loans
and financial planning
services, to those clients, according to several Morgan Stanley advisers.
But the Web is especially well - suited to teaching technical topics, effective sales
and customer -
service techniques,
financial skills,
product and policy updates,
and things that can be learned step by step,
such as drafting a business plan or managing a project.
Important factors that could cause our actual results
and financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully
and profitably market our
products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the acceptance of our
products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services by patients
and healthcare providers; our ability to meet demand for our
products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the willingness of health insurance companies
and other payers to cover Cologuard
and adequately reimburse us for our performance of the Cologuard test; the amount
and nature of competition from other cancer screening
and diagnostic
products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage
and reimbursement for our
products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines
and quality metrics issued by various organizations
such as the U.S. Preventive
Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
Services Task Force, the American Cancer Society,
and the National Committee for Quality Assurance regarding cancer screening or our
products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; our ability to successfully develop new
products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; our success establishing
and maintaining collaborative, licensing
and supplier arrangements; our ability to maintain regulatory approvals
and comply with applicable regulations;
and the other risks
and uncertainties described in the Risk Factors
and in Management's Discussion
and Analysis of
Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
Financial Condition
and Results of Operations sections of our most recently filed Annual Report on Form 10 - K
and our subsequently filed Quarterly Reports on Form 10 - Q.
In Colombia, the offer of each Fund is addressed to less than one hundred specifically identified investors,
and such Fund may not be promoted or marketed in Colombia or to Colombian residents unless
such promotion
and marketing is made in compliance with Decree 2555 of 2010
and other applicable rules
and regulations related to the promotion of foreign
financial and / or securities related
products or
services in Colombia.
Important factors that may affect the Company's business
and operations
and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, operating in a highly competitive industry; changes in the retail landscape or the loss of key retail customers; the Company's ability to maintain, extend
and expand its reputation
and brand image; the impacts of the Company's international operations; the Company's ability to leverage its brand value; the Company's ability to predict, identify
and interpret changes in consumer preferences
and demand; the Company's ability to drive revenue growth in its key
product categories, increase its market share, or add
products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy
and other input costs; changes in the Company's management team or other key personnel; the Company's ability to realize the anticipated benefits from its cost savings initiatives; changes in relationships with significant customers
and suppliers; the execution of the Company's international expansion strategy; tax law changes or interpretations; legal claims or other regulatory enforcement actions;
product recalls or
product liability claims; unanticipated business disruptions; the Company's ability to complete or realize the benefits from potential
and completed acquisitions, alliances, divestitures or joint ventures; economic
and political conditions in the United States
and in various other nations in which we operate; the volatility of capital markets; increased pension, labor
and people - related expenses; volatility in the market value of all or a portion of the derivatives we use; exchange rate fluctuations; risks associated with information technology
and systems, including
service interruptions, misappropriation of data or breaches of security; the Company's ability to protect intellectual property rights; impacts of natural events in the locations in which we or the Company's customers, suppliers or regulators operate; the Company's indebtedness
and ability to pay
such indebtedness; the Company's ownership structure; the impact of future sales of its common stock in the public markets; the Company's ability to continue to pay a regular dividend; changes in laws
and regulations; restatements of the Company's consolidated
financial statements;
and other factors.
Additionally, if you interact with Fidelity directly as an individual investor (including joint account holders) or if Fidelity provides
services to your employer or plan sponsor, we may exchange certain information about you with Fidelity
financial services affiliates,
such as our brokerage
and insurance companies, for their use in marketing
products and services as allowed by law.
As more small - business borrowers joined the formal economy, they began using other banking
services such as checking
and savings accounts, mortgages
and other
financial products.
We have already powered fast - growing FinTech companies like OptionsPlay
and AlphaFlow as well as prominent players,
such as GAIN Capital, Scivantage
and City Index, on their ways to deliver
products and services that go beyond traditional
financial software.
``... that prohibits ads that promote
financial products and services that are frequently associated with misleading or deceptive promotional practices,
such as binary options, initial coin offerings
and cryptocurrency.»
The November 15th program will include cutting - edge discussions
such as: how non-exchange traded alternatives are becoming the mutual funds of yesteryear; what is driving retail's demand for non-exchange traded alternatives; using micro-investing technology to diversify across
and within online marketplaces; how legislation is being used to engineer a new breed of alternative
products; how innovations in self - directed IRAs will create new retail distribution channels for the entire alternative
product universe; how technology will ensure the scalability of online platforms
and enable traditional
financial services providers to increase AUM; how millennials will fuel the growth of FinTech
and redefine
financial services; how FinTech will replace the 401k
and transform the way Americans save for retirement;
and how modernizing the Self - directed IRA is the trillion dollar FinTech opportunity.
Your bank liaison can advise you on
such issues as whether you're using the best deposit accounts
and taking advantage of all the
products and services that suit your company's
financial needs.
The tourism,
financial services and real estate sectors of Lebanon's economy are booming,
and overseas remittances are pouring in from the Lebanese expatriate community, which has increasing ties to the country, making it one of the largest recipients of
such income in the world, in terms of share of gross domestic
product.
Any mentioning, if any, in a Publication of the risks pertaining to a particular
product or
service may not
and should neither be construed as a comprehensive disclosure nor full description of all risks pertaining to
such product or
service and the Saxo Bank Group strongly encourages any recipient considering trading in its
products and services to employ
and continuously consult suitable
financial advisors prior to the conclusion of any investment or transaction.
2) case studies
and realistic
financials: perfectly highlighted the diverse range of
product and services that can be offered through
such a model of micro business.
The company profiles include attributes
such as company overview,
products and services,
financial performance
and recent developments.
I / we agree that if any material change (s) occur (s) in my / our
financial condition that I / we will immediately notify BSHFC of said change (s)
and unless Baby Safe Homes Franchise Corporation is so notified it may continue to rely upon the application
and financial statement
and the representations made herein as a true
and accurate statement of my / our
financial condition.nI / we authorize Baby Safe Homes Franchise Corporation to make whatever credit inquiries / background checks it deems necessary in connection with this application
and financial statement.nI / we authorize
and instruct any person or consumer reporting agency to furnish to BSHFC any information that it may have to obtain in response to
such credit inquiries.nIn consideration of the ongoing association between Baby Safe Homes
and the undersigned applicant (hereinafter u201cApplicantu201d), the parties hereto have entered into this Non-Disclosure
and Non-Competition Agreement.nWHEREAS, in the course of its business operations, Baby Safe Homes provides its customers
products and services which, by nature of the business, include trade secrets, confidential
and proprietary information,
and other matters deemed material or important enough to warrant protection;
and WHEREAS, Applicant, by reason of his / her interest in Baby Safe Homes
and in the course of his / her duties, has access to said secrets
and confidential information;
and WHEREAS, Baby Safe Homes has trade secrets
and other confidential
and proprietary information, including procedures, customer lists,
and particular desires or needs of
such customers to which Applicant has access in the course of his / her duties as an Applicant.nNow, therefore, in consideration of the premises contained herein, the parties agree as follows Applicant shall not, either during the time of his / her franchise evaluation with Baby Safe Homes or at any time thereafter either directly or indirectly, communicate, disclose, reveal, or otherwise use for his / her own benefit or the benefit of any other person or entity, any trade secrets or other confidential or proprietary information obtained by Employee by virtue of his / her employment with Baby Safe Homes, in any manner whatsoever, any
such information of any kind, nature, or description concerning any matters affecting or relating to the Baby Safe Homes business, or in the business of any of its customers or prospective customers, except as required in the course of his / her employment by Baby Safe Homes or except as expressly authorized Baby Safe Homes Franchise Corporation, in writing.nDuring any period of evaluation with Baby Safe Homes,
and for two (2) years thereafter, Applicant shall not, directly or indirectly, induce or influence, divert or take away, or attempt to divert or take away
and, during the stated period following termination of employment, call upon or solicit, or attempt to call upon or solicit, any of the customers or patrons Baby Safe Homes including, but not limited to, those upon whom he / she was directly involved, or called upon, or catered to, or with whom became acquainted while engaged in the franchise evaluation process of a Baby Safe Homes franchise business.
AXA
and Jumia view Africa as a fast - developing market for
financial services and insurance
products, benefitting from strong fundamentals
such as low penetration rates, rise in middle class, urbanization, as well as the youth of its population.
Surely a major
financial fiat - currency - dollar - hegemony breakdown would affect
such investments perilously,
and surely Microsoft would be forced to make huge changes to its revenue generation strategy
and possibly discontinue some
products /
services.
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
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
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
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
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.
The company's
products and services addresses multiple markets, asset classes
and geographies
and are sold to a diverse client base, including asset owners,
such as pension funds, endowments, foundations, central banks, family offices
and insurance companies; institutional
and retail asset managers,
such as managers of pension assets, mutual funds, exchange traded funds, real estate, hedge funds
and private wealth;
financial intermediaries,
such as banks, broker - dealers, exchanges, custodians
and investment consultants;
and corporate clients.
However,
such services aren't entirely well - known to consumers who lack a traditional bank account.This results in something of a chicken -
and - egg problem when it comes to eliminating the fees on these alternative
financial products.
FDIC insurance does not, however, cover other
financial products and services that insured banks may offer,
such as stocks, bonds, mutual fund shares, life insurance policies, annuities or municipal securities.
While some Canadian discount brokers,
such as Interactive Brokers, Jitneytrade, Questrade, Scotia iTrade
and Virtual Brokers, have their own dedicated twitter
and Facebook pages, others
such as Disnat Direct, TD Waterhouse
and BMO InvestorLine bundle messages about their other
financial products and services along with discount brokerage news.
The Credit-Land.com webpage is a free
service and an information resource for credit cards
and other
financial products,
such as personal loans,
and our
services are only available to eligible United States consumers.
In addition, Alpholio ™ offers dedicated web
services to
financial institutions,
such as full -
service or discount brokerage houses, exchange - traded
product companies, index fund firms, etc. that would like to provide fund
and portfolio analysis
services to their clients through their own websites.
Cash Stop not only specialises in providing short term cash advances to assist everyday people by helping meet those unexpected
financial challenges with quick pay day style loans but also provide many other
products and services such as, Short Term Loans both in Branch
and Online, Medium Term Loans in Branch, Pawn Broking, Currency Exchange, Western Union Money Transfer, Cheque Cashing,
and Jewellery Loans.
Of course, Chase is well known for its other
financial services such as auto
and home loans, CDs
and insurance
products.
Mary Johnson, director of
Financial Literacy and Student Aid Policy at financial services company Higher One, shared Collins» sentiment, adding students need more experience with practical matters, such as deciphering the fine print of their financial products like student loans or cell phone c
Financial Literacy
and Student Aid Policy at
financial services company Higher One, shared Collins» sentiment, adding students need more experience with practical matters, such as deciphering the fine print of their financial products like student loans or cell phone c
financial services company Higher One, shared Collins» sentiment, adding students need more experience with practical matters,
such as deciphering the fine print of their
financial products like student loans or cell phone c
financial products like student loans or cell phone contracts.
Through our relationship with LPL
Financial, our clients have access to a wide array of financial and wealth management strategies, including services such as professional money management, retirement and education planning, and investment products including stocks, bonds, mutual funds, annuities, and insurance
Financial, our clients have access to a wide array of
financial and wealth management strategies, including services such as professional money management, retirement and education planning, and investment products including stocks, bonds, mutual funds, annuities, and insurance
financial and wealth management strategies, including
services such as professional money management, retirement
and education planning,
and investment
products including stocks, bonds, mutual funds, annuities,
and insurance
products.
Besides their original lending
products such as student loan refinancing
and personal loans, SoFi was looking to expand their
financial services suite through the acquisition.
The company now offers a wide range of lending
products,
such as student loans, personal loans,
and mortgages, while also offering
financial services like wealth management.
If you choose to provide personal information, it will be used for
and / or shared with trusted third parties
such as debt consolidators
and / or other
financial service providers, credit bureaus,
and for marketing
products and services that you might find of interest.
The company has expanded to offer a range of lending
products,
such as mortgages
and personal loans, while also offering
financial services like wealth management.
There are many factors to consider,
such as a company's
financial stability, customer
service, complaint history,
product offering, discounts,
and rates.
Banks,
such as New York - based Green Bank, offer home solar loans as part of a portfolio of home equity
and home improvement
financial products and services.
Berry «s experience spans across a wide range of technologies
and industries,
such as separation science, semiconductor fabrication technology, embedded devices, biomechanics,
financial services, e-commerce,
and consumer
products.
Founded by Hanif Virji
and Andrew Harrington in 2001, AHV's
Financial Markets Advisory business offers services including advising on the management of risk, the valuation of financial products and derivatives, and most prominently, the mis - selling of such products as Fixed Rate Loans, Interest Rate Hedging Products, Structured Products and complex der
Financial Markets Advisory business offers
services including advising on the management of risk, the valuation of
financial products and derivatives, and most prominently, the mis - selling of such products as Fixed Rate Loans, Interest Rate Hedging Products, Structured Products and complex der
financial products and derivatives, and most prominently, the mis - selling of such products as Fixed Rate Loans, Interest Rate Hedging Products, Structured Products and complex deri
products and derivatives,
and most prominently, the mis - selling of
such products as Fixed Rate Loans, Interest Rate Hedging Products, Structured Products and complex deri
products as Fixed Rate Loans, Interest Rate Hedging
Products, Structured Products and complex deri
Products, Structured
Products and complex deri
Products and complex derivatives.
As a business litigator, David has quarterbacked
and tried numerous antitrust
and business competition cases for domestic
and multinational companies in sectors
such as Healthcare, Manufacturing, Consumer
Products,
and Financial and Advisory
Services.
He has experience in a wide range of technologies
and industries,
such as separation science, semiconductor fabrication technology, embedded devices, biomechanics,
financial services, e-commerce,
and consumer
products.
He provides assistance to reputed clients,
such as the
financial division of one of the biggest automobile producers, one of the world leaders in construction
and industrial
services, a global leader in seeds
and plant protection
products production, etc..
Such regulatory issues include those arising from the distribution of
financial products and services (including on a cross border basis), the regulation of agents
and representatives
and the conflicts which arise from competing regulatory regimes
and common law / civil law principles.
The
financial services industry is constantly evolving
and as part of Setfords I am ideally placed to offer
services related to emerging
products such as cryptocurrency, as well as assisting clients in the context of Britain's exit from the EU.»
We have represented clients in numerous other congressional investigations
and oversight hearings, including a major internet
services company in an investigation of its practices abroad, a chemical manufacturer in an investigation of the safety of its
products, an insurance company in a hearing on the federal long term care insurance program, a
financial services company in an investigation of credit card terms,
and drug companies in investigations concerning
such matters as payments to doctors, marketing practices, generic approvals, drug importation,
and drug safety.
Many of these
products are offered via Primerica's relationships with other
financial services entities, such as Invesco, Legg Mason, Franklin Templeton, Lincoln Financial, AXA, VOYA Financial, MetLife, and Lockwood
financial services entities,
such as Invesco, Legg Mason, Franklin Templeton, Lincoln
Financial, AXA, VOYA Financial, MetLife, and Lockwood
Financial, AXA, VOYA
Financial, MetLife, and Lockwood
Financial, MetLife,
and Lockwood Advisors.