Company Profile and Experience 4.2.6.1 Corporate and Organization Structure
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Enabling Commerce in the World's Most Under Penetrated Payments
Enabling Commerce In The World’s Most Under Penetrated Payments Market Network International Holdings Plc Annual Report and Accounts 2019 Network International Holdings Plc 01 Annual Report and Accounts 2019 We are Network International, the leading payment solutions provider in the Middle East and Africa. Our innovative solutions drive revenue and profitability for our customers. To read our Annual Report online go to www.network.ae Market opportunity Under penetrated payments markets R Read more on page 10 Business model A unique We are enabling and leading the transition from cash proposition to digital payments across the Middle East and Africa, one of the fastest growing payments markets in the world. R Read more on page 14 Strategic Report Governance Financial Statements 2019 Highlights 02 Corporate Governance Report 72 Independent Auditor’s Report 138 Our Industry 04 Board of Directors 74 Consolidated Statement Strategy in action Our Business at a Glance 06 Executive Management Team 76 of Financial Position 144 Chairman’s Statement 08 Audit and Risk Committee Report 88 Consolidated Statement of Profit or Loss 145 Market Overview 10 Nomination Committee Report 100 Market leading Consolidated Statement of Our Track Record 12 Directors’ Remuneration Report 102 other Comprehensive Income 146 Our Business Model 14 Directors’ Report 130 Consolidated Statement technology Chief Executive Officer’s Review 16 Going Concern Statement of Changes in Equity 147 Our Strategic Framework 20 and Viability Statement 136 Group Statement of Cash Flows -
Announcing Changes to Our Surcharge Free Networks Santa
Post Office Box 206 • Moncks Corner, South Carolina 29461 • Phone (843) 761-8298 • FAX (843) 761-2013 • Teller-Mate Audio Response (866) 810-6119 www.berkcofcu.com Your Place for... Financial Services with a Personal Touch July 2018 Announcing Changes to Our Santa Loan Christmas Helper Surcharge Free Networks Effective immediately: Allpoint branded automated teller machines We will again offer the (ATMs) are no longer a part of the Star Surcharge Free (Starsf) Network. promotional Santa Helper holiday loans Allpoint ATMs are featured prominently across the low country at such beginning Monday, No- locations as CVS pharmacy and Murphy gas stations. To enhance their vember 12th through offerings, Star has added MoneyPass ATMs to its surcharge free net- Monday, November 26th. As has been the work. MoneyPass ATMs can be found at most 7Eleven stores through- case in previous years, out the low country. As in the past, members may continue to utilize due to anticipated heavy COOP branded ATMs at many local credit unions and at retail locations loan demand, application processing could take up to three weeks. The loan terms such as Circle K and Publix stores. Lastly, please remember that point- are as follows: $1,200 for 12 months at of-sale (POS) transactions with cash back options can always be con- 17.99%. Please find below the special ducted surcharge free at a host of retailers throughout the area. features and requirements associated with this loan promotion: (1) Members must be in good standing with the credit union. Find Missing Money in Forgotten (2) A direct deposit relationship must be 401(k)s established twelve months prior to the loan being originated i.e., prior to November 12th of last year. -
Home Sweet Business Market in Acquiring State of Mind
News June 11, 2007 • Issue 07:06:01 Industry Update .....................................14 New Arkansas law caps early termination fees ..................54 Home sweet business Market in acquiring state of mind ............ 56 amily albums typically contain scenes of togetherness: Thanksgiving 2007 calendar of events ................ 112 meals, special events, vacations. The albums of many payments industry Features leaders show these familiar scenes − and business milestones, too. Surcharge-free ATMs abuzz F Why? The freedom that makes this industry fertile for people seeking financial By Tracy Kitten, abundance also provides an excellent opportunity for families who want to work ATMmarketplace.com .......................... 24 together. This includes husband-wife, parent-child and extended family teams. AgenTalkSM: Chuck Saden "We are not only a family business, we are a family conglomerate," said George One small offi ce, one giant reach .........30 Sarantopoulos, Director of Marketing for Access One ATM Inc. "My fiancée, Heidi Views Chan, is Vice President, and she runs the office and daily operations. Debunking wireless myths "My father, Nicholas Sarantopoulos, helps out in the ATM technical department, and Heidi's sister, HeiHei Chan, does compliance and some bookkeeping." By Bulent Ozayaz, VeriFone ................ 38 No more margin compression blues Jared Isaacman has also lured family members into the fold. "I was in the basement By Ken Musante, no more than a month working on UBC [United Bank Card Inc.] before my father came on to join me full-time as my partner," Isaacman said. "We actually made an Humboldt Merchant Services ................ 42 incredible tag-team sales force. My mother [joined] the team shortly after as the Recession may roil acquiring risk company bookkeeper." By Charles Marc Abbey et al., Isaacman's mother is no longer active in the company, but she attends industry First Annapolis Consulting ................... -
(2019). Bank X, the New Banks
BANK X The New New Banks Citi GPS: Global Perspectives & Solutions March 2019 Citi is one of the world’s largest financial institutions, operating in all major established and emerging markets. Across these world markets, our employees conduct an ongoing multi-disciplinary conversation – accessing information, analyzing data, developing insights, and formulating advice. As our premier thought leadership product, Citi GPS is designed to help our readers navigate the global economy’s most demanding challenges and to anticipate future themes and trends in a fast-changing and interconnected world. Citi GPS accesses the best elements of our global conversation and harvests the thought leadership of a wide range of senior professionals across our firm. This is not a research report and does not constitute advice on investments or a solicitations to buy or sell any financial instruments. For more information on Citi GPS, please visit our website at www.citi.com/citigps. Citi Authors Ronit Ghose, CFA Kaiwan Master Rahul Bajaj, CFA Global Head of Banks Global Banks Team GCC Banks Research Research +44-20-7986-4028 +44-20-7986-0241 +966-112246450 [email protected] [email protected] [email protected] Charles Russell Robert P Kong, CFA Yafei Tian, CFA South Africa Banks Asia Banks, Specialty Finance Hong Kong & Taiwan Banks Research & Insurance Research & Insurance Research +27-11-944-0814 +65-6657-1165 +852-2501-2743 [email protected] [email protected] [email protected] Judy Zhang China Banks & Brokers Research +852-2501-2798 -
Fidelity® Total Market Index Fund
Quarterly Holdings Report for Fidelity® Total Market Index Fund May 31, 2021 STI-QTLY-0721 1.816022.116 Schedule of Investments May 31, 2021 (Unaudited) Showing Percentage of Net Assets Common Stocks – 99.3% Shares Value Shares Value COMMUNICATION SERVICES – 10.1% World Wrestling Entertainment, Inc. Class A (b) 76,178 $ 4,253,780 Diversified Telecommunication Services – 1.1% Zynga, Inc. (a) 1,573,367 17,055,298 Alaska Communication Systems Group, Inc. 95,774 $ 317,970 1,211,987,366 Anterix, Inc. (a) (b) 16,962 838,941 Interactive Media & Services – 5.6% AT&T, Inc. 11,060,871 325,521,434 Alphabet, Inc.: ATN International, Inc. 17,036 805,292 Class A (a) 466,301 1,099,001,512 Bandwidth, Inc. (a) (b) 34,033 4,025,764 Class C (a) 446,972 1,077,899,796 Cincinnati Bell, Inc. (a) 84,225 1,297,065 ANGI Homeservices, Inc. Class A (a) 120,975 1,715,426 Cogent Communications Group, Inc. (b) 66,520 5,028,912 Autoweb, Inc. (a) (b) 6,653 19,028 Consolidated Communications Holdings, Inc. (a) 110,609 1,035,300 Bumble, Inc. 77,109 3,679,641 Globalstar, Inc. (a) (b) 1,067,098 1,707,357 CarGurus, Inc. Class A (a) 136,717 3,858,154 IDT Corp. Class B (a) (b) 31,682 914,343 Cars.com, Inc. (a) 110,752 1,618,087 Iridium Communications, Inc. (a) 186,035 7,108,397 DHI Group, Inc. (a) (b) 99,689 319,005 Liberty Global PLC: Eventbrite, Inc. (a) 114,588 2,326,136 Class A (a) 196,087 5,355,136 EverQuote, Inc. -
Terms and Conditions of Merchant Service Agreement
TERMS AND CONDITIONS OF MERCHANT SERVICE AGREEMENT 1. INTRODUCTION AND DEFINITIONS. This document, “Terms and Conditions of Merchant Service Agreement” (“Terms and Conditions”) accompanies the document “Global Payments Merchant Application” (“Merchant Application”). The Merchant Service Agreement (“Agreement” or “Card Services Agreement”) includes these Terms and Conditions and the terms and conditions of the Merchant Application. The Member bank identified in such Merchant Application (“Member”) is a member of Visa USA, Inc. (“Visa”) and MasterCard International, Inc.(“MasterCard”). Global Payments Direct, Inc.(“Global”) is a registered independent sales organization of Visa, a member service provider of MasterCard and a registered acquirer for Discover Financial Services LLC (“Discover”). Merchant and Global Direct agree that the rights and obligations contained in these Terms and Conditions of Merchant Service Agreement do not apply to the Member with respect to Discover transactions and Switched Transactions (as defined below). To the extent Merchant accepts Discover cards, the provisions in this Agreement with respect to Discover apply if Merchant does not have a separate agreement with Discover. To the extent Merchant accepts Discover cards and has a separate agreement with Discover, Discover card transactions shall be processed as Switched Transactions (as defined below) . Any references to the Debit Sponsor shall refer to the debit sponsor identified below. The Agreement is between Global Direct, the Member and the merchant identified in the Merchant Application (“Merchant”). Under the terms of the Agreement, Merchant will be furnished with the services and products described herein and in the Merchant Application, and selected by Merchant therein (collectively and individually, as applicable, the “Services”). -
Tri Counties Bank Consumer Debit Card Agreement and Disclosure
Tri Counties Bank Consumer Debit Card Agreement and Disclosure Effective December 1, 2020 ATM-41-BR (Rev. 12/20) 1 Member FDIC TABLE OF CONTENTS ELECTRONIC FUNDS TRANSFERS ....................................................................... 3 ELECTRONIC WITHDRAWALS ............................................................................ 3 COMMUNICATION WITH US ............................................................................. 3 DEBIT CARD SERVICES ...................................................................................... 3 CARD CONTROL FEATURES ............................................................................... 5 CONSUMER LIABILITY ....................................................................................... 6 BUSINESS DAYS ............................................................................................... 8 ATM DEPOSIT CUT-OFF TIMES ........................................................................... 8 TRANSFER TYPES AND LIMITATIONS ................................................................... 8 AUTHORIZATION HOLDS FOR CARD TRANSACTIONS.......................................... 9 FEES...............................................................................................................10 CONFIDENTIALITY ........................................................................................... 11 DOCUMENTATION .......................................................................................... 11 PREAUTHORIZED PAYMENTS ........................................................................... -
The Securities and Exchange Commission Has Not Necessarily Reviewed the Information in This Filing and Has Not Determined If It Is Accurate and Complete
The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. The reader should not assume that the information is accurate and complete. UNITED STATES SECURITIES AND EXCHANGE COMMISSION OMB APPROVAL Washington, D.C. 20549 OMB Number: 3235-0006 FORM 13F Expires: July 31, 2015 Estimated average burden FORM 13F COVER PAGE hours per response: 23.8 Report for the Calendar Year or Quarter Ended: 03-31-2019 Check here if Amendment Amendment Number: This Amendment (Check only one.): is a restatement. adds new holdings entries. Institutional Investment Manager Filing this Report: Name: AMALGAMATED BANK Address: 275 SEVENTH AVENUE 9TH FLOOR NEW YORK, NY 10001 Form 13F File 028-04148 Number: The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form. Person Signing this Report on Behalf of Reporting Manager: Name: GREGORY W SPOCK VICE PRESIDENT - TRUST COMPLIANCE Title: OFFICER Phone: 212-895-4836 Signature, Place, and Date of Signing: GREGORY W SPOCK NEW YORK, NY 05-15-2019 [Signature] [City, State] [Date] Report Type (Check only one.): X 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.) 13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).) 13F COMBINATION REPORT. -
Payment Cards 12 Debit Cards, EBT and Broadband 13 Payment Card Industry/Data Security Payment Card Standard (PCI DSS) 15 Loyalty Programs 16
SECTION 2 Proprietary CITGO Payment Cards 12 Debit Cards, EBT and Broadband 13 Payment Card Industry/Data Security Payment Card Standard (PCI DSS) 15 Loyalty Programs 16 For Good Measure Because plastic has long ago overtaken paper as the preferred method of payment, it is important that CITGO offer a host of payment card options to fit the needs and lifestyles of its customers. This year’s payment card line-up features enhancements and tools guaranteed to keep your custom- ers reaching for their CITGO Cards: • The Business Select MasterCard® provides the same benefits as the CITGO Business Select Card and can be used at ALL sites, including non-CITGO locations! • Our partnership with Heartland and SPRINT brings you a turnkey, competitively priced solution for your broadband needs. • The CITGO PCI e-Learning Center provides a single-source destination to help you with your PCI and information security training needs. • Preferred vendor Centego can help you create a customized loyalty program perfect for your busi- ness model. 10 Section 2: Payment Card PROPRIETARY CITGO PAYMENT CARDS Now that the new Centennial Image is available and the CITGO logo has broken free of its box, we’re updating our payment card suite to match. While some cards All CITGO customers are important to the success of your business. However, those wielding CITGO will receive a complete make-over, others will keep their current look, and feature proprietary payment cards are the most valuable only a refreshed CITGO logo. But, no matter how drastic or minimal the change the of all. Research shows that proprietary gasoline benefits of each card remain the same. -
Visa Inc. V. Stoumbos
No. 15-____ IN THE Supreme Court of the United States VISA INC., ET AL., Petitioners, v. MARY STOUMBOS, ET AL., Respondents. On Petition for a Writ of Certiorari to the United States Court of Appeals for the District of Columbia Circuit PETITION FOR A WRIT OF CERTIORARI KENNETH A. GALLO ANTHONY J. FRANZE PAUL, WEISS, RIFKIND, Counsel of Record WHARTON & MARK R. MERLEY GARRISON LLP MATTHEW A. EISENSTEIN 2001 K STREET, NW ARNOLD & PORTER LLP WASHINGTON, DC 20006 601 MASSACHUSETTS AVENUE, (202) 223-7300 NW [email protected] WASHINGTON, DC 20001 (202) 942-5000 Counsel for Petitioners [email protected] MasterCard Incorporated and MasterCard International Counsel for Petitioners Visa Inc., Incorporated Visa U.S.A. Inc., Visa Interna- tional Service Association, and Plus System, Inc. i QUESTION PRESENTED Whether allegations that members of a business as- sociation agreed to adhere to the association’s rules and possess governance rights in the association, without more, are sufficient to plead the element of conspiracy in violation of Section 1 of the Sherman Act, 15 U.S.C. § 1, as the Court of Appeals held below, or are insufficient, as the Third, Fourth, and Ninth Circuits have held. ii PARTIES TO THE PROCEEDINGS Pursuant to Rule 14.1(b), the following list identi- fies all of the parties appearing here and before the United States Court of Appeals for the D.C. Circuit. The petitioners here and appellees below in both Stoumbos v. Visa Inc., et al., No. 1:11-cv-01882 (D.D.C.) (“Stoumbos”) and National ATM Council, et al. -
21-0459 Agenda Item Report
Walton County Board of County Commissioners 21-0459 AGENDA ITEM REPORT Meeting: Board of County Commissioners - Mar 23 2021 Department: Clerk Submitted by: Jed Sconiers Staff Contact: Mary King, Admin Services Coord. ☒ Consent Agenda ☐ Regular Agenda ☐ Public Hearing TITLE/REQUESTED ACTION: Request to approve and authorize the Chairman to sign the addendum and ratify the agreement with Openedge for card processing for the new Energov software ATTACHMENTS: County Department Agenda Request Form (002) OpenEdge_Addendum AGENDA SUBMISSION FORM BOARD OF COUNTY COMMISSIONERS WALTON COUNTY, FLORIDA ☒ CONSENT AGENDA MEETING DATE: March 23, 2021 ☐ REGULAR AGENDA MEETING LOCATION: South Walton Annex ☐ PUBLIC HEARING SUBMISSION DEADLINE: March 16, 2021 DEPARTMENT: SUBMITTED BY: TITLE / REQUESTED ACTION: Request approval for addendum and ratify agreement between Walton County and Openedge PURPOSE / SUMMARY EXPLANATION OR HISTORY: Openedge will be the credit card processor for the new Energov software. This addendum changes the credit card fees from a variable rate to a flat fee. IF THIS ITEM HAS A CURRENT IF REQUIRED, HAS THIS ITEM BEEN FINANCIAL IMPACT, HAS IT BEEN REVIEWED BY LEGAL AS TO FORM: REVIEWED BY THE FINANCE ☒Yes ☐No DIRECTOR: ☒Yes ☐No LIST DOCUMENTS FOR EXECUTION: TOTAL COST ASSOCIATED WITH REQUEST: ☒ AGREEMENT/ CONTRACT ☐ ORDINANCE ☐ RESOLUTION ☐ FINAL ORDER ☐ OTHER: IS THIS BUDGETED? ☐Yes ☐No OTHER MATERIAL/EXHIBITS ACCOUNT DESCRIPTION: ATTACHED: FUNDING TYPE: SUBMIT COMPLETED FORM TO: Mary King, Administrative Services Coordinator Phone: 850-892-8155 Email: [email protected] 76 North 6th Street, DeFuniak Springs, FL 32433 Page 2 of 33 DocuSign Envelope ID: 6ED26FBC-BAD2-42A2-9C7D-5187E89A45C1 Merchant Application Business Information Merchant's DBA Name/Outlet Name: Merchant's Legal Name: Walton County Board of County Commissioners Walton County Board of County Commissioners Physical Street Address (No P.O. -
EVO Is a Registered ISO/MSP for Deutsche Bank Trust
MERCHANT PROCESSING AGREEMENT E. Electronic Transmission. In using electronic authorization and/or data capture services, you will enter the data related to a sales or credit transaction into a computer terminal or magnetic stripe reading terminal no later than the close of business on the This document, “Merchant Processing Agreement” (the “Agreement”), accompanies the document “Merchant Application” date the transaction is completed (unless otherwise permitted by the Rules). Failure to do so may result in the assessment of a (“Merchant Application”) and includes the Terms and Conditions set forth below (the “Terms and Conditions”) together with the transaction surcharge on non-qualifying transactions and, at EVO’s sole discretion, the deposit of the funds received for such sales terms and conditions of the Merchant Application. The bank (“Bank”) identified in this Agreement is a member of Visa Inc. (“Visa”) or credit transaction into the Reserve Account. If you provide your own electronic terminal or similar device, such terminal must and Mastercard International, Inc. (“Mastercard”), and is Deutsche Bank Trust Company Americas. EVO Merchant Services, LLC d/b/a meet EVO and Bank’s requirements for processing transactions. Information regarding a sales or credit transaction transmitted EVO (“EVO”) is a registered independent sales organization of Visa and a member service provider of Mastercard. This Agreement with a computer or magnetic stripe reading terminal will be transmitted by you to EVO and Bank or their agent in the form EVO is between EVO, Bank, and the merchant identified in the Merchant Application (“you” or “Merchant”). Merchant and EVO agree and Bank from time to time specify or as required under the Rules.