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»).
In addition to factors previously disclosed in Tesla's and SolarCity's reports filed
with the U.S. Securities and Exchange Commission (the «SEC») and those identified elsewhere in this document, the following factors, among others, could cause actual results to differ materially from forward - looking statements and historical performance: the ability to obtain regulatory approvals and meet other closing conditions to the transaction, including requisite approval by Tesla and SolarCity stockholders, on a timely basis or at all; delay in closing the transaction; the ultimate outcome and results
of integrating the operations
of Tesla and SolarCity and the ultimate ability to realize synergies and other benefits; business disruption following the transaction; the
availability and access, in general,
of funds to meet debt obligations and to fund ongoing operations and necessary capital expenditures; and the ability to comply
with all covenants in the indentures and
credit facilities
of Tesla and SolarCity, any violation
of which, if not cured in a timely manner, could trigger a default
of other obligations under cross-default provisions.
For example, the reduced
availability of mortgage financing for those
with lower
credit scores seems likely to continue.
Talk
of the housing market, housing affordability,
credit availability — really anything having to do
with most Americans» single largest investment — has been conspicuously absent from the political conversation in this election cycle.
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.
Both the perceived change in
credit availability compared to a year ago and one - year ahead
credit availability expectations improved in September,
with a larger fraction
of respondents reporting easier
credit conditions.
Credit availability to households with lower - rated credit scores remains limited and households with homes that have fallen sharply in value have lost most or all of their home equity and this makes it very difficult for them to refinance these mort
Credit availability to households
with lower - rated
credit scores remains limited and households with homes that have fallen sharply in value have lost most or all of their home equity and this makes it very difficult for them to refinance these mort
credit scores remains limited and households
with homes that have fallen sharply in value have lost most or all
of their home equity and this makes it very difficult for them to refinance these mortgages.
The growing
availability of credit has also expanded the resources available to new entrepreneurs launching businesses, and has given many families access to the funds they need to «smooth over» periods
of financial challenge.9 / At the same time, competition among lenders for individuals
with solid
credit histories has reduced the price
of credit for those consumers.10 /
The Federal Reserve also worked
with banks and securities firms to encourage the
availability of credit to support the liquidity and funding needs
of brokers and dealers.
I further understand that
Credit Karma will determine, in its sole discretion, when, how often, and
with which participating providers it checks for pre-qualified offers based on criteria from each participating provider,
availability of information needed to identify prequalified offers and other relevant factors.
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 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.
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.
Italian immigrants are also
credited with increasing the popularity and
availability of tomatoes in the Northeast in the late nineteenth century, as well as the burgeoning supply
of canned tomatoes imported from Italy to the United States.
In the development
of these advanced countries, they used things like subsidies, protection
of infant industries from unfair competition by external forces, the non-enforcement
of patent rights and fair
credit terms or the
availability of credit to develop industries that directly compete
with foreign interests.
-- If the Administrator determines that the provisions
of this section regarding banking, allowance rollover, or destruction offset
credits create a significant potential for inconsistency
with the requirements
of any applicable international agreement to which the United States is a party or otherwise adheres, the Administrator may promulgate regulations restricting the
availability of banking, allowance rollover, or destruction offset
credits to the extent necessary to avoid such inconsistency.
One reason for the brisk delivery rates was the increased
availability of relatively low interest loans and a comeback
of credit access for people
with imperfect
credit scores.
26/19 Highway / City MPGOur mission is to provide you
with the best vehicle purchase and ownership experience possible, from helping you qualify for
credit online to estimating the value
of your trade - in
with a simple questionnaire, we work hard to give you the information and choices you need to have the freedom to guide your vehicle purchase.Please check
availability as our inventory changes daily and listings may take 24 hours or more to update.
Priced below KBB Fair Purchase Price!Our mission is to provide you
with the best vehicle purchase and ownership experience possible, from helping you qualify for
credit online to estimating the value
of your trade - in
with a simple questionnaire, we work hard to give you the information and choices you need to have the freedom to guide your vehicle purchase.Please check
availability as our inventory changes daily and listings may take 24 hours or more to update.
iLoan APRs vary by state and range from 17.60 % — 35.99 %,
with actual APR depending on the evaluation
of the applicant under our standard
credit criteria (including
credit history, income and debts) and the
availability of collateral.
That in turn led to amendments to the
credit line which will materially reduce the funds available to the Company — what began as a maximum
availability of $ 60 million has been reduced to $ 40.5 million, will be further reduced to $ 37.5 million effective July 18, 2010, and further reduced to $ 32.5 million effective January 2, 2011,
with the outstanding balance under the line becoming due and payable in full on March 15, 2011.
(1) Before executing a contract or agreement
with or receiving money or other valuable consideration from a buyer, a
credit services organization shall provide the buyer with a written statement containing: (a) A complete and detailed description of the services to be performed by the credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
credit services organization shall provide the buyer
with a written statement containing: (a) A complete and detailed description
of the services to be performed by the
credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
credit services organization for the buyer and the total cost
of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address
of the surety company that issued the bond or the name and address
of the depository and the trustee and the account number
of the surety account; (d) A complete and accurate statement
of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair
Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date
of receipt
of notice that
credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement
of the buyer's right to dispute directly
with the consumer reporting agency the completeness or accuracy
of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files
of a consumer reporting agency; (h) A complete and accurate statement
of when consumer information becomes obsolete and
of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement
of the
availability of nonprofit
credit counseling ser
credit counseling services.
Mortgage
credit availability was flat in April compared with March, staying pinned at a score of 177.9 on the Mortgage Bankers Association's (MBA) Mortgage Credit Availability Index (
credit availability was flat in April compared with March, staying pinned at a score of 177.9 on the Mortgage Bankers Association's (MBA) Mortgage Credit Availability I
availability was flat in April compared
with March, staying pinned at a score
of 177.9 on the Mortgage Bankers Association's (MBA) Mortgage
Credit Availability Index (
Credit Availability I
Availability Index (MCAI).
Mortgage
credit availability was flat in April compared
with March, staying pinned at a score
of 177.9 on the Mortgage Bankers Association's (MBA) Mortgage...
These risks include, among others, general economic conditions, local real estate conditions, tenant financial health, the
availability of capital to finance planned growth, continued volatility and uncertainty in the
credit markets and broader financial markets, property acquisitions and the timing
of these acquisitions, charges for property impairments, and the outcome
of legal proceedings to which the company is a party, as described in the company's filings
with the Securities and Exchange Commission.
Subject to compliance
with the terms, provisions and conditions
of, and as provided in, this Agreement, and subject to
Credit Union's Funds Availability Policy Credit Union will provisionally credit the Account or Accounts designated by Member for the amount of the deposit (s) to which the File (s) pertains on the day of receipt of the File (s) and enter the images of the checks into the collection process in accordance with the provisions of Credit Union's then current Disclosure for Personal Accounts pertaining to the Account (s) into which the deposit is to be made (the «Deposit Agreement») and this Agre
Credit Union's Funds
Availability Policy
Credit Union will provisionally credit the Account or Accounts designated by Member for the amount of the deposit (s) to which the File (s) pertains on the day of receipt of the File (s) and enter the images of the checks into the collection process in accordance with the provisions of Credit Union's then current Disclosure for Personal Accounts pertaining to the Account (s) into which the deposit is to be made (the «Deposit Agreement») and this Agre
Credit Union will provisionally
credit the Account or Accounts designated by Member for the amount of the deposit (s) to which the File (s) pertains on the day of receipt of the File (s) and enter the images of the checks into the collection process in accordance with the provisions of Credit Union's then current Disclosure for Personal Accounts pertaining to the Account (s) into which the deposit is to be made (the «Deposit Agreement») and this Agre
credit the Account or Accounts designated by Member for the amount
of the deposit (s) to which the File (s) pertains on the day
of receipt
of the File (s) and enter the images
of the checks into the collection process in accordance
with the provisions
of Credit Union's then current Disclosure for Personal Accounts pertaining to the Account (s) into which the deposit is to be made (the «Deposit Agreement») and this Agre
Credit Union's then current Disclosure for Personal Accounts pertaining to the Account (s) into which the deposit is to be made (the «Deposit Agreement») and this Agreement.
The
availability of easy
credit and
credit cards for everyone had reduced the demand for layaway services and most retailers had closed their layaway departments, but
with the economic situation facing the country today, many consumers are putting away their
credit cards and opting for a low cost layaway program instead.
These Terms and Conditions are supplemental to, and do not supersede or replace, any agreement
with us pertaining to (a) the Account (including, but not limited to, Your Deposit Terms and Conditions, Account Information Statement, Funds
Availability Disclosure and Electronic Funds Transfer Services, all as may be amended or restated from time to time); (b) any BancorpSouth checking or savings account which is a Source (including, but not limited to, Your Deposit Terms and Conditions, Account Information Statement, Funds
Availability Disclosure and Electronic Funds Transfer Services, all as may be amended or restated from time to time); (c) any BancorpSouth line
of credit which is a Source (including, but not limited to, the promissory note or other
credit agreement which is applicable to the line
of credit and the security agreements, if any, which secure payment
of the line
of credit); and (d) any BancorpSouth
credit card which is a Source (including, but not limited to, the cardholder agreement which is applicable to the
credit card as may be amended or restated from time to time).
The combination
of an increase in
credit availability and predatory lending practices contributed to an over-issuance
of loans to borrowers
with the greatest potential for mortgage default and subsequent foreclosure.
With the easy
availability of credit cards and the hefty costs
of tuition, now millions
of people have debt problems.
COMMISSIONER ISHIMARU: And
with the increased
availability of this information through technology and as we've seen on the lending side by using FICO scores, if something developed for
credit history that was similar to a FICO score that might be
of use to employers, would that be something employers should use, could use?
LendEDU analyzes each private student loan provider using the following criteria: communication process
with consumers and / or required cosigner, ease
of use when applying, clarity
of necessary disclosures,
availability of 24/7 customer support staff,
availability of customer support channels including but not limited to email, phone, fax, and text, competitiveness
of interest rates offered at a high level and at a
credit profile level, wide variety
of terms available, non-financial benefits and services offered, incentives for responsible borrowing, tools to promote educated repayment, relationships
with servicing companies,
availability of a soft
credit check process, experience industry executives, track record
of excellent consumer happiness, values upheld by the institutions, and timeline for funding process.
Keeping track
of what
credit card is best to use at which location, finding award
availability across a variety
of carriers and finding the best deals when paying based on the cash rate are all made easier
with some
of the great tools out -LSB-...]
Best price guaranteed
with special deals from packages & promotions, bed and breakfast inclusive option (not available for online agents and other channels), free roundtrip scheduled shared transfer to Downtown Pattaya per person per booking, spa
credit - THB 500 per room or suite, late check out upon request (subject to
availability), 10 % discount on Food and Beverage in one
of our 11 award - winning restaurants (excluding buffets), priority for room upgrade to next room category (subject to
availability), be part
of special monthly lucky draw to win exciting prizes and have the option to personalize your stay
with unique optional extras
Book a room on Best Available rate and get priority for early check - in or late check - out (upon
availability) Offer excludes Taxes, includes buffet breakfast and WiFi and 2 free laundry or ironing pieces per day All reservations must be guaranteed
with a
credit card which is valid on the day
of arrival.
With the massive sign - up bonuses and the ability to earn miles on some
credit cards just by swiping, the effective value
of my miles is being diluted, and the
availability of seats is only going to get worse.
All guests making reservations
with Five Star Alliance receive a $ 70 USD food and beverage
credit per room, per stay; a bottle
of Prosecco; welcome amenity; and subject to
availability at check - in, a room upgrade, early check - in, and late check - out.
All guests making reservations
with Five Star Alliance receive a $ 50 food and beverage
credit per room, per stay; a bottle
of Prosecco; welcome amenity; and subject to
availability at check - in, a room upgrade, early check - in, and late check - out.
The most obvious,
of course, is
with an airline
credit card: Those miles go directly to your frequent flyer account, and you cash them in for flights if there is
availability.
This strategy has been spurred in part by substantial solar tax
credits, net - metering rules in place in most states, and the
availability of solar financing that reduces or even eliminates the initial purchase price, replacing the up - front cost
with monthly payments that extend over many years.
-- If the Administrator determines that the provisions
of this section regarding banking, allowance rollover, or destruction offset
credits create a significant potential for inconsistency
with the requirements
of any applicable international agreement to which the United States is a party or otherwise adheres, the Administrator may promulgate regulations restricting the
availability of banking, allowance rollover, or destruction offset
credits to the extent necessary to avoid such inconsistency.
To get around this alternative resources are given huge amounts
of credit for clean air impacts, conventional technologies are punished, all concurrent
with low
availability and high projections for natural gas prices (or gas generation is ignored as an option).
Of the provincial legislation currently in place in Canada, Alberta's baseline - and - credit system most resembles Canada's federal Turning the Corner plan, with a modest cap, availability of emissions offsets, and a technology fund to which firms can contribute at a rate of C$ 15 per ton CO2
Of the provincial legislation currently in place in Canada, Alberta's baseline - and -
credit system most resembles Canada's federal Turning the Corner plan,
with a modest cap,
availability of emissions offsets, and a technology fund to which firms can contribute at a rate of C$ 15 per ton CO2
of emissions offsets, and a technology fund to which firms can contribute at a rate
of C$ 15 per ton CO2
of C$ 15 per ton CO2e.
• Welcome customers as they enter the shoe store and engage them in conversation to determine their shoe buying needs • Provide customers
with information on available styles, sizes and colors • Walk customers through the display shelves and answer their questions regarding prices and
availability • Look for shoe sizes, styles and colors in storage areas and inform customers if something is not available • Assist customers in trying shoes on and provide honest feedback • Provide customers
with information on discount or other promotional offers • Make - certain that the shoe display area is kept clean and organized at all times • Order out
of stock shoes from the warehouse before the retail stock runs out • Maintain knowledge
of new trends in the shoe making industry and ensure that displayed stock is kept current • Encourage customers to buy accessories such as socks, insoles and shoe polishes • Run customers through the payment procedure by processing
credit card and cash transactions • Provide customers
with information on return and exchange policies
• Welcome customers as they approach the box office counter and inquire into their movie preferences • Provide information on running movies and show timings along
with seat
availability • Take customers» information (such as name and age) and punch it into the system for verification purposes • Provide customers
with information on age - appropriateness
of their desired movie and ensure that identification is properly conducted for rated films • Issue tickets to customers and ask them to verify seat, movie and date information on them • Accept
credit card and cash payments for sold tickets and tender change and receipts • Handle reservations for shows over the telephone and in person and ensure that any cancellations are managed according to cinema protocols • Balance cash registers against tickets sold and ensure that any discrepancies or problems are immediately handled • Create and maintain reports
of sold tickets and cinema income and provide feedback to managers regarding movies» success or failure • Assist in booking entire cinema halls for special screenings and issue tickets / passes to authorized guests and support staff • Ascertain that leaflet racks are fully stocked and that the counter is properly cleaned and maintained • Issue auxiliaries such as 3D glasses and ensure that returned glasses are counted and stored properly
• Save annual cost
of $ 30K by negotiating a productive contract
with a third party transportation service provider • Reduce the front desk operational costs by 12 % through implementation
of cost effective methods • Run and check daily reports, contingency lists and
credit card authorization reports • Coordinate
with housekeeping department to track room status and
availability • Answer, record and process all guest calls and concerns • Arrange transportation services for guests and visitors • Cash guests» checks and process all types
of payments received • Secure guest payments, activate, issue and re-issue room keys • Process check - in, check - out and room change requests in a timely manner
• Advise staff
of any changes in policy and procedures, allocate resources, plan work schedule and assign work • Train current and new staff members, conduct performance reviews and make recommendations regarding corrective actions and dismissals • Proactively assist departmental manager
with scheduling for entire department for various training courses to ensure service level is met • Create and distribute various reports to staff and peers Collector III (September 2007 to present) • Assisted non prime borrowers in bringing their loan current using one
of the variety
of programs offered customized for individual financial needs • Assisted team manager
with maintaining and distributing month end numbers to peers needed for individuals to achieve individual as well as team monthly goal • Proactively created and facilitated various training classes to assist peers
with negotiation skills, creating a sense
of urgency as well as curing past due mortgage loans • Peer coached Prime and HAD agents on negotiation skills, overcoming objections and handle time Financial Service Advisor / Relief Team Manager (March 2006 to September 2007) • Proactively contacted Card members that were deemed likely to attrite, educated them on their current terms and offered competitive balance transfer rates based on their individual
credit history • Assisted
with new hire training and development • Created reports assisting peers
with agent
availability which increased team results by 20 % • Provided feedback to marginally performing associates to improve both individual and department performance in percentage
of contacts to attempts, phone
availability and sales rate
Topics that were discussed included mortgage
availability and premium costs; access to affordable
credit; strict and costly condo regulations; the benefits
of homeownership; and new initiatives from FHA to help first - time home buyers, such as the Homeowners Armed
with Knowledge, or HAWK, program.