Troutman and his team also represent banks and
other financial services companies in consumer finance litigation matters.
Not exact matches
Now, the Canadian
financial services company that offers unique ETFs and
other investment solutions has grown into a competitive leader
in the Canadian market, with approximately $ 6.5 billion
in assets under management as of June 30.
He said the
company failed to properly pay his taxes on his behalf, made unauthorised loans, and overpaid for «security and
other services,» costing him «tens of millions of dollars» and leading to
financial trouble, of which he claims to have only become aware of
in March of last year.
Factors Chain International A global network of more than 250 leading factoring
companies in 66 countries that seeks to facilitate trade through factoring and
other financial services.
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.
The NYFDS promulgates and enforces regulations governing banks, insurance
companies, and
other financial services institutions that do business
in the state.
Kim Peters and Tabitha Russell are vice president and certification program manager, respectively, at Great Place to Work, the longtime research partner for Fortune's annual list of the 100 Best
Companies to Work For and
other best workplaces lists, including the Best Workplaces
in Financial Services & Insurance.
Other financial services companies have also ran ads
in Snapchat, including MasterCard, Bank of America, American Express, and JP Morgan Chase.
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.
Such affiliations are cropping up among small banks all across the country,
in part because they've got to compete not only with bigger banks but with credit - card
companies and
other financial -
services organizations that offer this type of full -
service menu and are hungry for a share of the small - and midsize - business market.
The
company is similar to
other financial services in the sense that it attempts to communicate with consumers
in a more relaxed manner.
Zhou says the
company is working on a tax loss harvesting
service, which will be a way for users to realize a loss on their (taxable) accounts
in order to offset gains
in the new fiscal year, but declined to discuss any
other paid features
in the works or WiseBanyan's
financials.
• Revolut, a London - based fintech
company that offers a digital banking account and
other financial services, raised $ 250 million
in Series C funding at a $ 1.7 billion post-money valuation, according to TechCrunch.
Like
other tech
companies such as Amazon.com (AMZN), rumored to be considering a foray into checking accounts, Chime sees an opportunity
in financial services amid a shifting customer base and widespread dissatisfaction with big bank
services.
Historically the GNC has recommended changes
in director compensation to the Board for its approval every
other year, based on its review of competitive pay data for non-employee directors of the
financial services companies in the
Company's Peer Group.
Other IronNet customers include Thomson Reuters and several
companies in the
financial services sector.
As one of North America's leading diversified
financial services companies, RBC provides personal and commercial banking, wealth management
services, insurance, corporate and investment banking and transaction processing
services on a global basis, serving close to 15 million clients through offices
in Canada, the U.S. and 51
other countries.
This news release contains forward - looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 and Canadian securities laws, including statements regarding: BlackBerry's expectations regarding new product initiatives and timing, including the BlackBerry 10 platform; BlackBerry's plans and expectations regarding new
service offerings, and assumptions regarding its
service revenue model; BlackBerry's plans, strategies and objectives, and the anticipated opportunities and challenges
in fiscal 2014; anticipated demand for, and BlackBerry's plans and expectations relating to, programs to drive sell - through of the
company's BlackBerry 10 smartphones; BlackBerry's expectations regarding
financial results for the second quarter of fiscal 2014; BlackBerry's expectations with respect to the sufficiency of its
financial resources; BlackBerry's ongoing efforts to streamline its operations and its expectations relating to the benefits of its Cost Optimization and Resource Efficiency («CORE») program and similar strategies; BlackBerry's plans and expectations regarding marketing and promotional programs; and BlackBerry's estimates of purchase obligations and
other contractual commitments.
There is also an opportunity to connect Canadian businesses with new and like - minded partners
in APEC economies such as Vietnam, where Canadian
companies will find opportunities
in sectors such as agri - food, education and training, information and communication technologies (ICT), clean tech and
financial technology, as well as
other services.
«Literally all the money that went into this sector from 2010 to 2014 went
in from angels and [
others], and now all of a sudden all these
financial services companies have shown up... the dumb money's shown up.»
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.
This news release contains forward - looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 and Canadian securities laws, including statements regarding: BlackBerry's expectations regarding new product initiatives and timing, including the BlackBerry 10 platform; BlackBerry's plans and expectations regarding new
service offerings, and assumptions regarding its
service revenue model; BlackBerry's plans, strategies and objectives, and the anticipated opportunities and challenges
in fiscal 2014; anticipated demand for, and BlackBerry's plans and expectations relating to, programs to drive sell - through of the
Company's BlackBerry 7 and 10 smartphones and BlackBerry PlayBook tablets; BlackBerry's expectations regarding
financial results for the second quarter of fiscal 2014; BlackBerry's expectations with respect to the sufficiency of its
financial resources; BlackBerry's ongoing efforts to streamline its operations and its expectations relating to the benefits of its Cost Optimization and Resource Efficiency («CORE») program and similar strategies; BlackBerry's plans and expectations regarding marketing and promotional programs; and BlackBerry's estimates of purchase obligations and
other contractual commitments.
This review was not conducted on base salary alone but also included reviews of appropriate annual incentive compensation and long - term incentive compensation for
other post-TARP
companies in the Labor Market Peer Group and the ongoing market and legislative challenges facing
financial services companies.
The GNC reviews the individual components and total amount of director compensation at least annually and may recommend changes
in director compensation to the Board for its approval more or less frequently based on, among
other factors, competitive pay data for non-employee directors of the
financial services companies in the
Company's Labor Market Peer Group.
We believe that the
company can command an even higher valuation multiple
in the years ahead that would bring it more
in line with
other high quality,
financial - technology
service providers.
Indian laws leave suppliers open to
financial liability for damages to third parties
in the case of a nuclear accidentThird, many Canadian and
other foreign
companies have been unwilling to supply nuclear technology and
services to India because Indian laws leave suppliers open to
financial liability for damages to third parties
in the case of a nuclear accident.
Let me just say that if I were starting a software
company in the United States today, given the noises being made by the SEC and by
other financial services regulators I would not put an exchange - tradable token at the center of the offering unless that token were a representation of a legally - recognized interest and structured on the basis that the token will be regulated by the securities laws.
Ray focuses on
financial services and commercial real estate, with a specialization
in negotiated private placements of term asset - backed securities, warehouse credit facilities, whole loan transactions, subordinated debt financings, and
other transactions for specialty finance
companies and commercial real estate.
In a previous chart, we showed 49 % of millennials are much more open to engaging tech
companies for
financial services, while only 16 % of people of
other generations feel the same.
To use smart algorithms responsibly,
companies — particularly
financial services firms — must identify potential problems early and have a well - conceived plan for addressing and removing unintended bias before it leads to discrimination
in their lending practices, as well as potential discriminatory biases that may reach beyond lending and affect
other aspects of a
company's operations.
Indeed,
in April, Alibaba Group's Ant
Financial Services unit attracted the largest private fund - raising round for an Internet
company ever, when sovereign wealth fund China Investment Corp. (CIC) and
others invested $ 4.5 billion
in the digital payments and financing platform.
Examples of these risks, uncertainties and
other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines
in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and
other international events; the risks and increased costs associated with operating internationally; our expansion into and investments
in new markets; breaches
in data security or
other disturbances to our information technology and
other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes
in fuel prices and / or
other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to
service our existing debt; restrictions
in the agreements governing our indebtedness that limit our flexibility
in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions
in the global credit and
financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations
in foreign currency exchange rates; overcapacity
in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management
services to certain ships and certain
other services; delays
in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases
in the price of, or major changes or reduction
in, commercial airline
services; seasonal variations
in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments
in technology; amendments to our collective bargaining agreements for crew members and
other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes
in which we operate; and
other factors set forth under «Risk Factors»
in our most recently filed Annual Report on Form 10 - K and subsequent filings by the
Company with the Securities and Exchange Commission.
Consumer views of specific
financial service firms did vary
in the Aviva research, with some
companies ranking better than
others.
In order to alert you to
other financial products and
services that Vanguard offers or sponsors, we may share your information within the Vanguard family of affiliated
companies, to the extent permitted by law.
Around the
company, 4DX has successfully resulted
in increased client and guest satisfaction, reduced claims and
other safety incidents, improved
financial performance and enhanced
service delivery.
She has held
other executive and non-executive roles
in food, beverage, retail and
financial services and was a partner at McKinsey &
Company earlier
in her career.
23 (1) of Act 930 states «Except as otherwise provided for
in this Act, a person,
other than a
company holding a banking licence, shall not hold itself out as a bank or use the word «bank» or any of its derivatives
in any language, or any word that sounds like «bank»
in the description or title under which that person is carrying on
financial services business
in Ghana, or make a representation to this effect
in any billhead, letter, paper, notice, advertisement or
in any
other manner.
In addition, the state Department of
Financial Services will post on its website a report card on insurance
companies, grading
companies on the number of claims handled and closed, average home inspection times and the number of consumer complaints, among
other factors.
Brindley is a stockholder
in Translation Ventures Ltd. (Charlbury, UK) and IP Asset Ventures Ltd. (Oxford, UK),
companies that among
other services provide cell therapy biomanufacturing, regulatory, and
financial advice to pharmaceutical clients.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among
others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions
in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases
in labor costs, possible increases
in shipping rates or interruptions
in shipping
service, effects of competition, possible risks that inventory
in channels of distribution may be larger than able to be sold, possible risks associated with changes
in the strategic direction of the device business, including possible reduction
in sales of content, accessories and
other merchandise and
other adverse
financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized
in devices to be sold, possible risk that
financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and
other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases
in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the
Company's businesses resulting from the
Company's prior reviews of strategic alternatives and the potential separation of the
Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the
Company in excess of what the
Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained
in, the delayed filing of, and the material weakness
in internal controls described
in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed
in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and
other factors which may be outside of Barnes & Noble's control, including those factors discussed
in detail
in Item 1A, «Risk Factors,»
in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and
in Barnes & Noble's
other filings made hereafter from time to time with the SEC.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among
others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions
in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases
in labor costs, possible increases
in shipping rates or interruptions
in shipping
service, effects of competition, possible risks that inventory
in channels of distribution may be larger than able to be sold, possible risks associated with changes
in the strategic direction of the device business, including possible reduction
in sales of content, accessories and
other merchandise and
other adverse
financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized
in devices to be sold, possible risk that
financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and
other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases
in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the
Company's businesses resulting from the
Company's prior reviews of strategic alternatives and the potential separation of the
Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the
Company in excess of what the
Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained
in, the delayed filing of, and the material weakness
in internal controls described
in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed
in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and
other factors which may be outside of Barnes & Noble's control, including those factors discussed
in detail
in Item 1A, «Risk Factors,»
in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and
in Barnes & Noble's
other filings made hereafter from time to time with the SEC.
The fund targets
companies operating
in the fields of manufacturing, industrials, energy, business
services,
financial services, food, healthcare, and media, as well as many
other sectors.
The U.S. has more diversified industry sector profiles
in both investment - grade and high - yield indices; besides Banks and
Other Financial, the
Service Company industry, including pharmaceuticals and retail stores, has a sizeable representation, followed by Manufacturing and Energy
Company (see Exhibit 2).
Fund seeks to invest
in quality
companies with a demonstrated history of sustainable earnings growth, strong cash flow and high returns on capital determined by fundamental analysis of a
company's
financial trends, products and
services, and
other factors.
Headquartered
in Orem, Utah, Check City is another multi-offering lender and
financial services company, with many more
services than most
others on our list.
Another strictly California - based
financial services company founded
in 1999, this smaller lender has three locations: its headquarters
in Redwood City, and two
other offices
in Northridge and Sacramento.
Hartford
Financial Services (NYSE: HIG) is a leading insurance company and also offers other financial products both in the USA and
Financial Services (NYSE: HIG) is a leading insurance
company and also offers
other financial products both in the USA and
financial products both
in the USA and globally.
Fund invests
in companies with a demonstrated history of consistent, sustainable earnings growth, strong cash flow and high returns on capital determined by rigorous fundamental analysis of a
company's
financial trends, products and
services, and
other factors.
Vermont:
In accordance with Vermont law, we will not share information we collect about Vermont residents with
companies outside of our corporate family, except as permitted by law, such as with your consent, to
service your accounts or to
other financial institutions with which we have joint marketing agreements.
You will not find the one - on - one customer experience with any
other credit repair
company in the
financial services industry.