This includes other credit products like personal loans, auto loans and credit cards.
Not exact matches
Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook
include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy,
including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts,
including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft,
including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein,
including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals,
including our ability to obtain in a timely fashion any required regulatory or
other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our
other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and
other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or
other security attacks, information technology failures, or
other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt,
including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and
other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our
credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and
other governments on defense; 25) the possibility that our cash flows and our
credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving
credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential
product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue,
including our ability to successfully integrate the Asco business and generate synergies and
other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and
other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally,
including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among
other things.
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.
Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and
other factors beyond the Company's control,
including natural and
other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's
credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new
product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (
including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (
including those caused by natural and
other disasters and
other events); (7) the impact of acquisitions, strategic alliances, divestitures, and
other unusual events resulting from portfolio management actions and
other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and
other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings,
including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).
Banks,
credit unions and
other financial institutions — they provide several types of debt instruments
including credit cards, leasing
products, demand / short - term loans and term loans.
We caution you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties,
including volatility in the economy and the
credit markets, supply and demand changes for vacation ownership and residential
products, competitive conditions; the availability of capital to finance growth, and
other matters referred to under the heading «Risk Factors» contained in our Annual Report on 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any of which could cause actual results to differ materially from those expressed in or implied in this presentation.
We caution you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties,
including volatility in the economy and the
credit markets, supply and demand changes for vacation ownership and residential
products, competitive conditions; the availability of capital to finance growth, and
other matters referred to under the heading «Risk Factors» contained in the Information Statement filed as an exhibit to our Annual Report on Form 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any of which could cause actual results to differ materially from those expressed in or implied in this presentation.
The company's
product portfolio consists of charge and
credit card
products; expense management
products and services; consumer and business travel services; stored value
products,
including travelers checks and
other prepaid
products; network services; merchant acquisition and processing, and servicing and settlement, as well as point - of - sale, marketing, and information
products and services for merchants; and fee services comprising market and trend analyses and related consulting services, fraud prevention services, and the design of customer loyalty and rewards programs.
However, some activity will continue,
including bills that merchants mark as recurring, as well as returns,
credits, dispute adjustments, payments, Discover protection
product fees,
other account fees, interest, rewards redemptions and certain
other exempted transactions.
The company cautions you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties,
including volatility in the economy and the
credit markets, supply and demand changes for vacation ownership and residential
products, competitive conditions; the availability of capital to finance growth, and
other matters referred to under the heading «Risk Factors» contained in the company's most recent Annual Report on Form 10 - K filed with the U.S Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any of which could cause actual results to differ materially from those expressed in or implied in this press release.
Lending and leasing
products and services,
including card services, trade finance and merchant services, as well as certain
other banking
products and services, require
credit approval.
The following words used in these Terms shall have the following meanings: • «Personal Information» shall mean all data and / or information provided by and about User,
including e-mail address (es), name, address,
credit card, or
other payment information, etc • «Company web site» shall mean all web sites on which Company provides
products and / or services.
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.
DockATot ® may collect personally identifiable information from you,
including your name, address, phone number, e-mail address, and
credit card or
other payment information (collectively, all such personally identifiable information is herein referred to as «Personal Information»), when you create an account on the Site, when you purchase
products through the Site, when you contact us, and / or in connection with your voluntarily provided testimonials or
other feedback.
The budget
includes a tax
credit for farmers who donate fruits, vegetables and
other farm
products to local food banks.
Ballard Designs sells
products,
including children's
products, to adults only, who can purchase
products with a
credit card or
other permitted payment method.
To purchase
products from these third party merchants, you may be required to provide Personal Information,
including your
credit card or
other payment information.
EPDs are already showing up in
other consumer
products,
including watch dials, cell phones,
credit cards and security cards.
At launch, our new Bitcoin futures contract will be subject to a variety of risk management tools,
including an initial margin of 35 percent, position and intraday price limits, and a number of
other risk and
credit controls that CME Group offers on all of its
products.»
Your use of Digital Banking, and the specific services available through Digital Banking, are governed by this Agreement, the Bank's Disclosure of
Products and Fees applicable to your accounts, the application you complete (if required) for any service available through Digital Banking, any instructions we provide you on using Digital Banking, and any
other agreements applicable to the deposit or loan accounts or the services you access through Digital Banking,
including our Deposit Account Agreement, Business and Treasury Services Agreement, any applicable overdraft protection agreement, any applicable loan agreement, any
credit card agreement, and any
other applicable agreement such as our Funds Transfer Authorization Agreement and our Agreement for Automated Clearing House Services («Banking Agreements»), all as they may be amended from time to time.
However, some activity will continue,
including bills that merchants mark as recurring, as well as returns,
credits, dispute adjustments, payments, Discover protection
product fees,
other account fees, interest, rewards redemptions and certain
other exempted transactions.
In addition to starting your own business,
other passive income ideas to consider
include investing in a lending club, earning cash back rewards on
credit cards and getting paid for promoting digital
products on sites like ClickBank.
Capital One has many
other products for small businesses,
including credit cards, loans and merchant services.
MCAP offers opportunities to invest in a wide range of residential mortgage
products,
including Fixed and Variable Rate Mortgages, Home Equity Lines of
Credit, Mortgage Backed Securities and
other high yielding Alternative mortgages.
They may perform functions
including, but not limited to, providing
products and services; analyzing data; supplying marketing assistance; providing search results and links; sending postal mail and email; providing background and
credit checks; providing fraud checks; providing customer service; supplying marketing assistance; assisting in debt collections; and providing
other financial, technical, logistical, tax, legal, compliance or administrative functions.
Other products include cash back mortgages or HELOC (a Home Equity Line of
Credit).
You, the Member, hereby grant ConsumerDirect, its employees, agents, subcontractors and assigns, a specific, limited power of attorney, granting such authority necessary to provide our stated
products to you, and to use the information contained in your personal
credit profile and / or
other creditor / sources of information to acquire your
credit data,
including, but not limited to,
credit reports, scores, identification
products, monthly
credit report monitoring
products and profiles so that we may provide current and future
products to you.
The company also provides mortgage lending; treasury management services for businesses, individuals and non-profit entities
including wholesale lock box services; remote deposit capture services; trust and wealth management services for businesses, individuals and non-profit entities
including financial planning, money management, custodial services and corporate trust services; real estate appraisals;
credit - related life and disability insurance; ATMs; telephone banking; on - line and mobile banking services
including electronic bill pay; debit cards, gift cards and safe deposit boxes, among
other products and services.
Product resembles the TripleAdvantage and TU base
credit produts except it
includes a FICO score, but the
others have 3 scores.
Consumer loans
include several types of consumer
products including mortgage loans, auto loans, personal loans,
credit cards, lines of
credit and
other niche consumer - targeted loan
products.
Other products offered by Connexus
include IRAs, health savings accounts, auto loans, mortgages, personal loans, student loans, recreational vehicle loans, home equity lines of
credit and a variety of
credit cards.
Items that are not Qualifying
Credit Card Transactions include, without limitation, cash advances, special check transactions, balance transfers, charges for products, services or benefits we provide (such as credit insurance or debt cancellation programs), and all other finance charges and other charges that post to your Card Ac
Credit Card Transactions
include, without limitation, cash advances, special check transactions, balance transfers, charges for
products, services or benefits we provide (such as
credit insurance or debt cancellation programs), and all other finance charges and other charges that post to your Card Ac
credit insurance or debt cancellation programs), and all
other finance charges and
other charges that post to your Card Account.
There are a wide range of
products available within business finance offered by numerous different banks and
other financial organisations,
including business current accounts, business
credit cards and business loans.
This dilemma causes people to seek out the
credit sources that are available to them, which frequently
include pawn shops, payday lenders, auto - title loans, lower - dollar installment loans, or
other short - term consumer
credit products.
Other times your
credit might be checked by companies soliciting you for various
products,
including new
credit cards or loans.
No joint owner is required, and any
other credit union
products and services that you qualify for,
including a checking account, may be added to the account.
Whether freezing your account or deactivating a card, some activity will continue,
including bills that merchants mark as recurring, as well as returns,
credits, dispute adjustments, payments, Discover protection
product fees,
other account fees, interest, rewards redemptions and certain
other exempted transactions.
Because applying for
credit cards and
other loan
products generates a «hard inquiry» that will be
included in your
credit report for up to at least two years, it's important that you pursue only the secured
credit cards that suit your shorter and longer term needs.
Applicants can now access a wide variety of policy options to meet their personal needs,
including products such as mortgage life insurance, decreasing term life insurance, key person insurance,
credit life insurance, and many
others.
A FICO website has sold consumers their
credit scores for years — at a price that currently ranges from $ 14.95 to $ 29.95 a month and
includes other products, such as
credit reports.
You will be able to access your VantageScore,
credit monitoring report (
including all the factors that impact your score), recommendations to improve or maintain your score, and personalized offers on
other financial
products.
In fact, the Federal Trade Commission (FTC), the nation's consumer protection agency, says it's against the law for a lender to deceptively
include credit insurance (or
other optional
products) in your loan without your knowledge or permission.
This rate must
include, as applicable to the
credit transaction or account: The costs associated with
credit insurance premiums; fees for ancillary
products sold in connection with the
credit transaction; any application fee charged (
other than certain application fees for specified
credit transactions or accounts); and any participation fee charged (
other than certain participation fees for a
credit card account).
Your guaranteed rate will depend on various factors
including loan
product, loan size,
credit profile, property value, geographic location, occupancy and
other factors.
Best Friends may, from time to time, share personally identifiable information,
including email and home addresses, with carefully selected corporate partners: for example, as may be required to offer and market
products such as our affinity
credit card, and
other programs,
products, and services that benefit Best Friends.
You will be able to access your VantageScore,
credit monitoring report (
including all the factors that impact your score), recommendations to improve or maintain your score, and personalized offers on
other financial
products.
American Express is best known as a charge card and
credit card issuer, but the company also offers
other products and services,
including travel booking and planning using Amex Travel.
This personal information may
include: your name and contact information,
including physical address, email address and telephone number; information related to your reservation, stay or visit to a property; participation in a membership or loyalty program; purchase of
products or services; personal characteristics,
including date of birth, gender and nationality; passport number and date and place of issue; travel history; payment information; guest preferences; marketing preferences; dates of stay; preferred communication methods; business name, title and address; method of payment;
credit card details,
including the three or four digit CVV code; amount of charges for stays at properties;
products and services received; reviews and opinions about our properties (if they are identified or associated with you); frequent flyer or travel partner program affiliation and member number; hotel and airline packages booked; groups with which you are associated for stays at hotels; information needed to provide
products or services or administer the Loyalty Program,
including transaction and correspondence details; information provided on membership and account applications; information maintained in individual customer profiles; and
other types of information that you choose to provide to us.
For the avoidance of doubt, Gross Revenues shall (A) exclude monies received from any source
other than the sale of electric energy and capacity,
including, without limitation, any of the following: (i) any federal, state, county or local tax benefits, grants or
credits or allowances related to, derived from, or granted to the Wind Energy Project or Grantee,
including, but not limited to, investment or production tax
credits, or property or sales tax exemptions, (ii) proceeds from financing activities, sales, assignments, partial assignments, contracts (
other than the power purchase agreement) or
other dispositions of or related to the Wind Energy Project (such as damages for breach of contract or liquidated damages for delays in project completion or failures in equipment performance), (iii) amounts received as reimbursements or compensation for wheeling costs or
other electricity transmission or delivery costs, and (iv) any proceeds received by Grantee as a result of damage or casualty to the Wind Energy Project, or any portion thereof and (B)
include any revenues derived from Grantee's sale of carbon dioxide trading
credits, renewable energy
credits or certificates, emissions reduction
credits, emissions allowances, green tags, tradable renewable
credits, or Green - e ®
products, any of which are allocated to Grantee, if applicable, through its participation in any voluntary registry, association or market - based exchange.
This
includes methods for analysis of consumers demands (food and non-food
products), marketing channels and flows and their characteristics, assessment of the linkages between micro-enterprises involved in urban agriculture, methods to their access to
credit, technical advice, labour, marketing information and
other services; Analysis of strengths and weaknesses of existing micro and small enterprises related to urban agriculture and methods to improve actual management practices and efficiency in small scale enterprises involved in input supply, food processing and marketing in order to meet market demands.