DOCSLIB.ORG

Chinese AMERICAN MARKET

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text

Load more

EAST WEST BANCORP S PRING 2003 A SOLID FOUNDATION EAST WEST BANK The Bridge Between East and West Building on its base as the leading bank in the nation serving the Chinese-American community, East West Bancorp has created a unique role for itself in community banking as the Bridge between East and West. The only bank in California dedicated to providing service to both the ethnic Chinese market as well as mainstream commercial customers, East West leverages its infrastructure and relationships in both markets. As a result, the bank offers customers unique value-added services and products and achieves a significant competitive advantage over peer banks. EAST WEST BANCORP (NASDAQ: EWBC) Building for the Future on a Solid FOUNDATION Lasting success for any endeavor demands a solid and enduring THE FOUNDATIONS FOR THE BANK’S GROWTH STRATEGY ARE: foundation. East West Bancorp has adhered to this philosophy since • Creating a Sustainable and Valuable Franchise opening in 1973 as one of the first financial institutions serving • Leadership in High Growth Niche Markets California’s Chinese immigrant community. Today, the Bank has • Innovative,Value Added Relationship Banking grown to one of the largest and most well respected independent • Solid Financial Fundamentals commercial banks in the state, with $3.5 billion in assets, 38 branches • Accretive Acquisition Strategy and a Beijing Representative Office in China, serving both the ethnic • Superior Asset Quality Chinese community as well as a variety of mainstream businesses. Capitalizing on its East West is committed to delivering quality position in a number of attractive niche markets, EAST WEST BANCORP earnings to shareholders throughout a variety of TRADING SUMMARY building an exceptionally strong balance sheet economic and interest rate environments. In recent years, the Bank has focused its efforts on growing and maintaining its commitment to asset quality, Recent Price (3/28/03) $31.13 the Bank has achieved consistent and profitable the net interest margin through building a low cost 52 Week Trading Range $28.00 - $38.47 growth during a variety of economic conditions core deposit franchise, increasing non-interest Market Capitalization (millions) $743.4 for the past 30 years. In the process, it has income through greater penetration of client Shares Outstanding (millions) 23.9 generated compounded annual growth in relationships and achieving greater leverage from Float (millions) 23.5 earnings of 21% since 1998 and rewarded its operating platform. The results of this growth Average Daily Volume 209,200 shareholders with financial performance that ranks strategy include: among the best community banks in the nation. Price to 2003 est. EPS 13.96x • 21% compounded annual growth in earinngs Price to Book Value 2.46x since 1998 This success has resulted from a carefully planned Dividend Yield 1.28% • Total compounded annual growth in revenues and executed strategy of building a franchise of 24.7% based on core banking fundamentals. Every • Above average returns on average assets and success of the Bank serves as another stone in this average equity foundation, building on past successes and EARNINGS • Non-performing assets of just 0.37% of supporting future achievements. As it always has, PER SHARE GROWTH total assets East West focuses equally on today’s performance $2.01 • Exceptional efficiency ratio (expense/revenue) and tomorrow’s possibilities. of 40% $1.61 • Average core deposit growth of 30% for 2002 $1.53 • Leverage ratio of 8.62% and Tier 1 capital ratio of 10.20% both exceeding the “well-capitalized” $1.22 requirements. $0.76 1998 1999 2000 2001 2002 2 Foundation for Profitable GROWTH– Investment Appeals SUSTAINABLE AND VALUABLE FRANCHISE – East West believes INNOVATIVE,VALUE ADDED RELATIONSHIP BANKING – Lasting that shareholders are best served by creating a sustainable franchise relationships based on innovative and experienced bankers and that has true and lasting value. While mindful of the Bank’s quarter to value added solutions has been a key driver of East West’s growth. quarter financial performance, management is also committed to (i) The Bank has been a pioneer in a number of different commercial delivering quality earnings throughout a variety of economic and markets and also has a long list of services that it was first to bring interest rate environments, (ii) effectively managing its growth to the Chinese-American market, including no-doc immigrant home through prudent investments in personnel and its operating mortgages, multilingual telephone and ATM banking and the infrastructure and (iii) maintaining a balance sheet focused on high nation’s first Asian focused supermarket banking. Providing a wide quality loans and low cost core deposits. Building on foundations range of solutions that help clients reach their financial goals, East created by these strategies, East West believes it will provide share- West captures a larger share of client business and multiple holders with consistent earnings growth, exceptional loan quality transactions per relationship, resulting in an efficiency ratio of 40%, and high returns on capital. In the past 5 years, the Bank has one of the best ratios in the Bank’s peer group. Further, the majority generated compelling financial metrics, of East West’s customers consistently place a including (i) increasing return on equity to high value on expertise and experience 18.3% from 12.8%; (ii) improving the efficiency EAST WEST CONTINUES TO PROVIDE rather than lowest pricing and most CLIENTS WITH INNOVATIVE AND ratio to 40.1% from 46.5%; (iii) increasing the VALUE ADDED SERVICES SUCH AS… generous credit terms, which enables the net interest margin to 4.11% from 3.22% and Bank to maintain a strong defendable Asian Supermarket Banking – In partnership (iv) growing total shareholder equity to $302 position in these markets and to leverage its with the nation’s leading Asian focused million from $151 million. supermarket, East West is bringing the skills and contacts into high risk adjusted convenience and accessibility of the nation’s first returns and superior credit standards for LEADERSHIP IN HIGH GROWTH NICHE in-store banking to its core ethnic markets. shareholders. MARKETS – East West has consistently built its Ex/Im Bank Guarantee Program – Providing business around leadership positions in high a much needed source of financing to middle SOLID FINANCIAL FUNDAMENTALS – growth niche markets where the Bank can market exporters under a government guarantee East West Bank believes that a successful program, East West assists customers to tap into achieve a competitive advantage and strong banking franchise must be built on solid the potential of Asian and other markets. financial performance by offering clients fundamentals, including strong capital ratios, Multi-Lingual Online Banking – East West market expertise and value added services. In developed the nation’s first and still only fully a stable core deposit base and core earnings addition to its core niche in California’s ethnic transactional online banking in Chinese script. power. The bank has built a strong capital Chinese community, East West has developed Customers can log in and conduct a wide range base of nearly $300 million which provides of banking transactions , including account leading market presence in highly profitable prudent support for future asset growth and openings and balance transfers in both English business lines such as affordable housing and Chinese from anywhere in the world. a high level of protection against difficult financing, niche trade finance and guaranteed Affordable Housing Financing – East West economic environments. The Bank has also export programs and special industry cash has become a market leader in providing worked to generate a well-balanced deposit management. All of these markets are financing and credit enhancement to developers base, creating a unique mix of core deposits of private market affordable housing utilizing experiencing substantial increase in demand, from both commercial and retail customers Federal Home Loan Bank backing. Due to the driven by positive demographic and success of the program, the FHLB has used East which allows the Bank to maximize its net economic conditions, which results in high West as a model for other banks to launch interest margin without taking imprudent organic growth and attractive risk profiles. similar financings. lending risk, while enhancing the long term 3 FOUNDATION FOR PROFITABLE GROWTH - continued from page 3 stability of the franchise. Since becoming a commercial bank in 1996, individual credits and specific industries. The Bank made this East West has increased core deposits as a percentage of total strategic decision in order to further strengthen the loan portfolio deposits to over 48% from approximately 30% and grown total and better prepare for challenging times. The tangible benefits to deposits by 147% as of December 31, 2002. This financial base has shareholders are evident in the fact that the Bank has achieved the supported a growth in earnings power fueled by a 357% increase in lowest levels of non-performing loans in a decade and an non-interest income and a 46% increase in the net exceptional loan loss ratio for 2002 of just 0.11%, interest margin. ACQUISITIONS all in the face of a slowing economy. The First Central Bank – May 1999 decrease in non-performing loans also resulted in SUCCESSFUL ACQUISITIONS – East West has also – $93 million in deposits
Recommended publications
  • Pre-Arrival Handbook for F-1 Visa Students

    Pre-Arrival Handbook for F-1 Visa Students

    Pre-Arrival Handbook For F-1 Visa Students INTERNATIONAL STUDENT HANDBOOK 1 Table of Contents Welcome to University of La Verne! ...............................................................................................................3 New F-1 Students Outside of the U.S. ............................................................................................................4 Checklist — Prepare Ahead!............................................................................................................................5 New Students Already in the U.S. ..................................................................................................................6 Canadian Citizens ..........................................................................................................................................7 Important Information for Incoming Students ..............................................................................................8 Important Things to do Before Classes Begin ..............................................................................................10 Resources and Services Offered at University of La Verne ...........................................................................12 After You Arrive in the U.S. ...........................................................................................................................14 Welcome to University of La Verne! Welcome to Southern California, and welcome to the University of La Verne! We are so glad that you have chosen
  • International Grocery Stores and Restaurants.Pdf

    International Grocery Stores and Restaurants.Pdf

    Next door to Newton is the town of Waltham, where a five minute drive from campus will bring you to Waltham’s busy and international Moody Street. Moody Street is home to many international restaurants and grocery stores. Hopefully you can find some familiar foods from home or at least the ingredients to cook a meal for yourself. You may find that the food served in these restaurants is slightly Americanized, but hopefully you’ll still be able to enjoy the familiar smells and tastes of home. A number of these restaurants also have food delivery to your room. You can call the restaurant and ask if they deliver. Be prepared with your address to tell the driver where to bring the food! Greek International Food Market The Reliable Market 5204 Washington St, West Roxbury, MA 02132 45 Union Square, Somerville MA, 02143 9:00AM - 8:00PM (Bus 85) (617) 553-8038 Japanese and Korean groceries at good prices. greekintlmarket.com Mon – Wed 9:30AM - 9:00PM farm-grill.com Thu – Fri 9:30AM - 10:00PM specialtyfoodimports.com Sat 9:00 AM - 10:00 PM Sun 9:00 AM - 9:00 PM Hong Kong Market (617) 623-9620 1095 Commonwealth Ave, Boston MA, (Packard's Corner, Green Line B) Ebisuya Japanese Market Enormous supermarket stocked with imported foods 65 Riverside Ave, Medford MA, 02155 from all over Asia, plus fresh meats & seafood. (Bus 96 to Medford Square) Mon-Thu, Sat-Sun 9AM – 9PM Very fresh sushi-grade fish here. Fri 9AM – 10PM Open 10:00 AM - 8:00 PM (781) 391-0012 C Mart ebisuyamarket.com 109 Lincoln St, Boston MA 02111 (Chinatown Station, Orange Line) The Shops at Porter Square This Asian supermarket carries an extensive University Hall, 1815 Massachusetts Ave, Cambridge selection of produce, seafood, meat & imported foods.
  • Little Saigon Landmark Project Feasibility Study

    Little Saigon Landmark Project Feasibility Study

    Little Saigon Landmark Project Feasibility Study October 2014 Completed for the Friends of Little Saigon by SCIDpda Table of Contents Executive Summary ............................................................................................................. 1 Introduction and Overview .................................................................................................. 2 Space Program .................................................................................................................... 6 Site Selection ..................................................................................................................... 14 Massing Studies and Cost Estimates .................................................................................. 15 Market/Economic Analysis ................................................................................................ 16 Conclusion ......................................................................................................................... 17 Appendix A—Space Program Appendix B—Site Selection Appendix C—Massing Studies and Cost Estimates Appendix D—Market/Economic Analysis Appendix E—Vietnamese Cultural Center Feasibility Study Appendix F—Little Saigon Housing Needs Assessment Executive Summary The Friends of Little Saigon (FLS) group seeks to create a gathering place for the regional Vietnamese community in or adjacent to the Little Saigon business district. This can be accomplished by bringing together the district’s cultural, shopping, and culinary
  • Asian Supermarket Shares See Mixed Response To

    Asian Supermarket Shares See Mixed Response To

    While North American and European supermarket stocks closed lower Friday, likely in response to the threat posed by e-commerce giant Amazon to the grocery space after its announced US$13.7 billion deal to purchase Whole Foods, the reaction from Asian markets has been mixed. The continent's bourses were already closed when the announcement was made last week, and on Monday there was no discernible trend in response. Further south in Australia though, all major listed supermarket saw their share prices fall. Leading Japanese retailer Aeon Co Ltd actually saw a slight rise of 0.46% in its share price, while increases were also seen with the country's Yamada Denki Co Ltd (+1.6%) and Isetan Mitsukoshi Holdings (+0.77%). In India, Big Bazaar owner Future Retail Ltd saw an increase of 5.7% in its share price, while in China, Lianhua Supermarket saw an uptick of 2.37% and shares in Yonghui Superstores were up 1.5%. In contrast, falls were seen for Hong Kong-based regional player Dairy Farm International Holdings (-1.96%), as well as South Korea's Lotte Shopping Co Ltd (-1.61%) and e-mart owner Shinsegae Inc (-1.86%). In Australia, shares in Coles owner Wesfarmers were down marginally by 0.22%, but the drops were more pronounced at Woolworths (-3.5%) and IGA owner Metcash (-2.33%). In the U.S., at the time of writing Walmart shares have been relatively flat today, and Costco saw has had a minor recovery of 1.89% from Friday's 7.19% fall, while Kroger and Supervalu - which suffered the biggest drops last week - have had small gains of 1.28% and 0.47% respectively.
  • 7Alenders Bankname Bankstreet 1ST CAPITAL BANK 5 HARRIS CT

    7Alenders Bankname Bankstreet 1ST CAPITAL BANK 5 HARRIS CT

    7aLenders BankName BankStreet 1ST CAPITAL BANK 5 HARRIS CT, BLDG N, STE 3 1ST COLONIAL BANCORP, INC 1040 HADDON AVE 1ST CONSTITUTION BANCORP 2650 RTE 130 1ST NATL BK - FOX VALLEY 550 S GREEN BAY RD 1ST NATL BK OF BERLIN 140 W HURON ST 1ST NATL BK OF CARMI 201 E MAIN ST 1ST NATL BK OF COLD SPRING 301 MAIN ST 1ST NATL BK OF ELK RIVER 100 STATE HWY 55 1ST NATL BK OF FAIRFAX 16 SE 1ST ST 1ST NATL BK OF FT SMITH 602 GARRISON AVE 1ST NATL BK OF PLAINVIEW 138 W BROADWAY 1ST SOURCE BANK 100 N MICHIGAN ST 1ST STATE BANK 4805 TOWNE CENTRE RD, STE 100 21ST CENTURY BANK 699 N MEDINA ST 3MV BANCORP, INC. 210 N 78TH ST 473 BROADWAY HOLDING CORPORATI 473 BROADWAY A S I FCU 5508 CITRUS BLVD A. F. GILMORE COMPANY 6301 W 3RD ST ACCESS NATIONAL CORPORATION 1800 ROBERT FULTON DR, STE 300 ACHIEVA CU 1499 GULF TO BAY BLVD ACRU, INC 9860 HWY 92 ADBANC, INC. 202 N SPRUCE ADIRONDACK BANCORP 185 GENESEE ST AGGEORGIA FARM CREDIT, ACA 468 PERRY PARKWAY AGSTAR FINANCIAL SERVICES, ACA 1921 PREMIER DR, P.O. BOX 424 AIM BANCSHARES, INC 110 COLLEGE AVE ALASKA GROWTH CAP. BIDCO INC. 3900 C STREET, SUITE 302 ALASKA PACIFIC BANCSHARES, INC 2094 JORDAN AVE ALASKA USA FCU 4000 CREDIT UNION DR STE 100 ALBANY BANCSHARES NEVADA FINAN ONE E FIRST ST ALDEN STATE BANK 10564 COY ST ALERUS FINANCIAL NATL ASSOC 401 DEMERS AVE ALLEGIANCE BANCSHARES, INC 8727 W SAM HOUSTON PKWY NORTH, S ALLIANCE BANK 101 W MONTGOMERY ST ALLIANCE BANK 105 E LYON AVE ALLIANCE BANK 217 N KINGSHIGHWAY ALLIANCE BANK, N.A.
  • 867625000.00

    867625000.00

    LOS ANGELES DISTRICT OFFICE Lender Ranking Report 7(a) and 504 Loan Programs Fiscal Year 2018 - 2nd Quarter (Year-to-Date) (10/01/2017 - 03/31/2018) 7(a) Loan Program 504 Loan Program 1 JPMorgan Chase Bank, N.A. 121 $41,772,500 60 New Omni Bank, N.A. 4 $515,000 1 BFC 40 $51,138,000 2 Wells Fargo Bank, N.A. 119 $69,180,200 61 Banner Bank 4 $433,400 2 CDC Small Business Finance Corp.* 38 $47,525,000 3 Bank of Hope 84 $38,633,900 62 Bank of the Sierra 3 $3,965,000 3 California Statewide CDC* 31 $39,779,000 4 U.S. Bank, N.A. 63 $10,094,700 63 Banc of California, N.A. 3 $3,842,000 4 Mortgage Capital Development Corp.* 12 $17,538,000 5 East West Bank 47 $17,093,000 64 Sunwest Bank 3 $2,910,000 5 Pacific West CDC 9 $9,152,000 6 Celtic Bank Corporation 34 $11,774,300 65 Premier Business Bank 3 $2,462,000 6 Southland Economic Development Corp. 7 $3,881,000 7 First Home Bank 33 $7,341,000 66 Mission Valley Bank 3 $840,900 7 So Cal CDC 6 $8,188,000 8 Harvest Small Business Finance, LLC 26 $33,353,400 67 MidFirst Bank 2 $5,746,000 8 AMPAC Tri-State CDC, Inc. 3 $4,317,000 9 Commonwealth Business Bank 25 $29,289,000 68 Crossroads Small Business Solutions, LLC 2 $4,053,000 9 Enterprise Funding Corp. 3 $2,439,000 10 MUFG Union Bank, N.A.
  • Cathay General Bancorp (Exact Name of Registrant As Specified in Its Charter)

    Cathay General Bancorp (Exact Name of Registrant As Specified in Its Charter)

    UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2016 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001-31830 Cathay General Bancorp (Exact name of Registrant as specified in its charter) Delaware 95-4274680 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) 777 North Broadway, 90012 Los Angeles, California (Zip Code) (Address of principal executive offices) Registrant’s telephone number, including area code: (213) 625-4700 Securities registered pursuant to Section 12(b) of the Act: Title of each class Name of each exchange on which registered Common Stock, $.01 par value NASDAQ Global Select Market Warrants to purchase shares of Common Stock (expiring December 5, 2018) NASDAQ Global Select Market Securities registered pursuant to Section 12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☑ No ☐ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Act. Yes ☐ No ☑ Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
  • 2018 SLPNA Newsletter

    2018 SLPNA Newsletter

    South Land Park Neighborhood Association Spring 2018 Newsletter 2 President’s Message 6 More Progress on Our Neighborhood Trail 8 Garden Party Coffee andTea - Our Story 10 A Family Friendly South Land Park - Top 10 Things to Do 12 Exciting Changes Coming to Florin West 13 SF Market Opening in South Hills Shopping Center This Summer 14 South Land Park 15 Yard of the Month 16 Accelerated Water Meter Program 17 43rd Avenue Needs Speed Lumps 18 Tackling Homelessness 20 Domestic Violence Forum 21 Bullying 22 Spring 2018 at Belle Cooledge Library 24 SLPNA Membership Sign Up Form South Land Park Neighborhood Association Board Members Brian Ebbert, President Chip O’Neill, Vice President Nita Barve, Secretary Jeff Brown, Treasurer Brian Backhaus, Scott Burns, Joe Flores, Randall Henry, Maggy Krell, Anthony Jackson, Tanya Lammerding, Diane Matthews, Sarah Sciandri, Tommy Stroud Incoming: Phoebe Austin & Sharla Smith Del Rio Trail Committee Chuck Hughes, Chair Dan Weitzman, Vice Chair Mark Rossow, Communications Director Brian Backhaus, Brian Ebbert, Carl Sjovold, Chip O’Neill, Diane Matthews, Hortencia Morales, Mark Paul, Nita Barve, Robin Netzer, Erica Rhyne-Christensen, and Tracy Wilson SLPNA Webmaster Ajay Rambhia Newsletter Editor Joe Flores 2018 President’s Message By Brian Ebbert South Land Park Neighborhood Association President What a Year! I can almost feel the energy enveloping South Land Park. We are seeing significant commercial invest- ments, an increased sense of community, growing neighborhood pride, families moving in, and the com- munity coming together to support one another, whether it is to support new businesses, or to provide comfort in times of need.
  • BCCA Value Chain Market Analysis and Strategy Development

    BCCA Value Chain Market Analysis and Strategy Development

    2012 BCCA Value Chain Market Analysis and Strategy Development (Amended May 2, 2013) Page 1 of 88 BCCA Value Chain Market Analysis and Strategy Development Funding for this project has been provided by Agriculture and Agri-Food Canada and the BC Ministry of Agriculture through the Canada-BC Ranching Task Force Funding Initiative. The initiative is delivered by the Investment Agriculture Foundation of BC. Agriculture and Agri-Food Canada (AAFC) and the Ministry of Agriculture are committed to working with industry partners. Opinions expressed in this document are those of [the authors] and not necessarily those of AAFC or the Ministry of Agriculture. Page 2 of 88 BCCA Value Chain Market Analysis and Strategy Development Acknowledgements We would like to acknowledge and thank all interview respondents and the following industry representatives, organizations and companies for their support, expertise, insights and guidance: BCCA – Kevin Boon and Alana Palmer BC Association of Cattle Feeders – Bill Freding, Dimity Hammon BC Food Processors Association – Christine Koch Verified Beef Production Program (VBP) – Terry Grajczyk People Talking Market Research Services – Theresa Dietrich Susan Evans Communications – Susan Evans MNP – Andrew Raphael Canada Beef Inc. – John Baker, Ron Glaser National Cattlemen’s Beef Association – Rick McCarty, Trevor Amen Agriculture and Agri-Food Canada – John Ross Pfizer Animal Health – Gord Collier Thompson River University – Gillian Watt Canadian Food Inspection Agency United States Department of Agriculture Legal Disclaimer The report is provided for information purposes and is intended for general guidance only. It should not be regarded as comprehensive or as a substitute for personalized, professional advice. We have relied upon the completeness, accuracy and fair presentation of all information and data obtained from industry associations, telephone interviews and public sources.
  • Chelsea Eats Study Card Spending Update

    Chelsea Eats Study Card Spending Update

    April 2021 Chelsea Eats Study Card Spending Update Jeffrey Liebman Kathryn Carlson Eliza Novick Pamela Portocarrero* Background on the Chelsea Eats Program1 Chelsea, Massachusetts, a city of 40,000 people just north of Boston, is among the places in the country hardest hit by Covid-19, both from a health and an economic perspective. Its heavily Latino population is concentrated in sectors of the economy that were shut down when the pandemic hit, and Chelsea residents are also disproportionately likely to be front-line service workers exposed to infection risk. In April 2020, local community organizations and the City of Chelsea responded to the economic crisis facing jobless Chelsea residents by mounting an unprecedented food distribution effort. In September 2020, after five months of running its food distribution sites, the City decided to redirect its efforts toward distributing financial support so that residents could purchase their own food through a program called Chelsea Eats. By combining city general revenue funds, state aid, and philanthropic contributions, the City assembled enough resources to distribute Chelsea Eats cash cards to approximately 2,000 households and to replenish the cards on a monthly basis for a total of six months. The card amounts vary with household size. Most households are receiving $400 per month, but one- and two-person households receive $200 and $300, respectively. The cards can be spent anywhere Visa is accepted. In total, 3,615 households applied for the cards, and 2,074 were chosen to receive the cash assistance cards via a lottery. Gift cards were credited with the first payment on November 18th, 2020 and with the second payment on December 18th, 2020.
  • Global Transaction Services

    Global Transaction Services

    Global Transaction Services Master Agreement Effective July 2017 TABLE OF CONTENTS GLOBAL TRANSACTION SERVICES MASTER AGREEMENT ........................................ 8 I. INTRODUCTION ....................................................................................................... 8 II. TERMS AND CONDITIONS FOR SPECIFIC SERVICES .............................................. 8 A. ACCOUNT ANALYSIS SERVICES ..................................................................... 8 1. Description of the Service ................................................................................ 8 2. Earnings Credit ................................................................................................. 8 3. Thirty-Day Reporting Period ........................................................................... 9 B. ONLINE BANKING SERVICES ........................................................................... 9 1. Description of Service ...................................................................................... 9 2. Acceptance of Services and Products .............................................................. 9 3. Online Banking Administrators and Other Users ............................................ 9 4. Company Accounts ........................................................................................ 10 5. Data Input and Output .................................................................................... 10 6. Security Procedures .......................................................................................
  • Little Saigon 2020 Action Plan: Years 1 & 2

    Little Saigon 2020 Action Plan: Years 1 & 2

    Little Saigon 2020 Action Plan: Years 1 & 2 Quang H. Nguyen, IDEA Space 1.0 Executive Summary, Page 2 2.0 Little Saigon Background & Context, Page 2 2.1 External Challenges Facing the Little Saigon Community, Page 3 2.2 Internal Community Challenges, Page 3 3.0 Community Engagement Strategy, Page 3 3.1 Actions: Intensive Community Engagement, Page 4 4.0 Assessing Community Vision for Little Saigon, Page 4 4.1 Key Action Items Forged into Little Saigon Landmark Vision, Page 4 5.0 Key Accomplishments in 2012, Page 5 6.0 Strategy for 2013, Page 5 6.1 Actions: Strengthen Friends of Little Saigon, Page 6 6.2 Actions: Continue to Engage and Build Community, Page 6 6.3 Actions: Maximize Collaboration and Partnerships, Page 6 7.0 Goals for 2014 and Beyond, Page 6 8.0 Key Stakeholders, Page 7 9.0 Key Resources, Page 7 SCIDpda, IDEA Space Page | 1 1.0 Executive Summary Seattle’s Little Saigon neighborhood faces strong displacement forces due to its proximity to Downtown, a regional transportation hub, and recent major land-use changes allowing for significant density increase. The neighborhood is a social, cultural, and economic hub for the Vietnamese community in the Great Seattle Area. However, there are major internal community challenges preventing effective response to external displacement forces. Those internal challenges include lack of a community-based institution capable of advocating, engaging, and taking action on the community’s behalf. The Little Saigon 2020 Action Plan is a road map that will help guide the community capacity building process while also addressing external displacement factors.