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Terms & Conditions
This agreement applies if you have a personal account with T.C. Ziraat Bankasi A.S., London Branch. It mentions general terms, conditions and charges; explains our obligations to you and your obligations to us. These terms, conditions and charges will apply unless special arrangements have been agreed in advance in writing with particular customers.
Helpful Definitions
"We, us, our" means T.C. Ziraat Bankasi A.S. London Branch.
"Bank Working Day" means any day Monday to Friday excluding English Bank Holidays and Public Holiday.
"Authorised Person" is you or any person authorised by you to operate your account(s) with us in accordance with this agreement.
"Reference Interest Rate" is a rate which is not directly set by us but linked or set against an external rate such as Bank of England Base Rate or LIBOR rate.
"Our Bank Rate - Managed Rate" is a rate set by us and not linked to an external rate.
"Payment Account" means a current payment account as defined in the Payment Services regulations 2009 and the regulatory guidance that applies to those Regulations.
"Cut-off time" is the time before which on a working day, a payment or a payment instruction is treated as received by us on that working day. If we receive a payment or payment instruction after our cut-off time then it will be treated as received on the following working day.
I - Function of this agreement
This agreement covers bank accounts and related banking services. When we offer different services and products to you then we will make clear whether this general terms and conditions or "additional terms and conditions" apply. Additional terms and conditions covering remittances to and from Turkey, Northern Cyprus and other countries will apply, where appropriate and under advice to customers. When any additional condition conflicts with any term or condition in this document, the additional condition will apply.
1.1 Bank Accounts
We provide;
* Current accounts
* Fixed term deposit account
Should you wish to open an account with us we will ask for (i) funds to be used as an opening deposit (either cheque or cash) (ii) proof of your identity such as current signed passport, I.D or Driving License in photo-card format (iii) proof of your address such as utility bill up to three months old (iv) reference, if applicable (v) sources of income and will ask you to complete our account opening documents. You can only use your account as a personal account. It can be either held in your name or in joint names. Your account can not be used for business purposes or business related services.
1.2 Banking Services
Our branch is open to our customers from 09:15 till 15:30 Monday to Friday. Our banking hours are between 09:00 to 17:00 Monday to Friday. To process a payment on the working day we must receive the payment instruction before the appropriate currency cut-off time for that day. If an instruction is not received by the relevant cut-off time on any working day it will be considered as being received the next working day. Every currency has a different cut off time. Further information on cut off time and procedure can be given on request.
II. Contacting Each Other
We may contact you by post, telephone and e-mail using the latest address, telephone number or e-mail address you have given us. It is your responsibility to notify us immediately any change in your correspondence address. By law, we are required to continue sending information to you at last indicated address in our records. If you do not inform us promptly a change to your details, the security of your information could be put at risk. There may be a reasonable charge for the costs of finding or trying to find you. Regarding joint accounts, we will normally contact only the joint account holder named first in our records subject to any legal requirements or unless you request otherwise. The first named account holder is responsible for passing information we send to the other account holders. You can contact us at the address or telephone number shown at the end of this document.
2.1 Giving us Instructions
You can contact us and give us instructions by visiting our branch. Your valid instructions shall be only effective when we actually receive them. When you visit our branch, we may ask you to show a form of identification at any time, for example, when making a withdrawal from your current account or giving us a remittance instruction. We may also receive your instructions via fax if only you or joint account holder(s) or any authorized person previously signed our bank's facsimile mandate. Original instruction must be sent by post as fax confirmation. In processing your instructions, we are acting for you. You will have to comply with any relevant local laws and you agree not to hold us responsible against all obligations and responsibilities we incur as a result of acting for you. We may refuse to act on your instructions if there is a fraudulent activity, they are unclear and incomplete, they are contrary to the law, regulation, code or other duty which applies to us or for any other legitimate reason.
2.2 Security & Liabilities
So as to verify your identity and protect confidential information about your account(s) we must have signed instructions at all times and when you visit our branch we may ask for identification. We will not be liable to you if: • The instructions you give us are not correct; or • We cannot carry out our responsibilities under these conditions as a result of anything that we cannot reasonably control. This includes, amongst other things, any machine or electronic device failing to work and industrial disputes. We will not be liable to you in any circumstances for: • Loss of business, loss of goodwill, loss of opportunity, loss of profit; • Any type of special, consequential or indirect loss whatsoever; or • Loss caused as a result of any use by you of any account aggregation or similar service provided by someone else. If you break any of the conditions of this agreement, we shall be entitled to claim from you any losses or costs that we incur as a result of your breach. These include, but are not limited to, the costs of tracing you, notifying you of the breach, communicating with you about the breach and enforcing payment of any amount due to us. Our entitlement to claim such losses from you is in addition to our entitlement to recover from you any monies that you already owe us.
2.3 Statements of your account
We will provide statements indicating all amounts credited to or debited from your account since the previous statement. You must check your statement carefully and tell us as soon as possible if it includes something, which appears to be unauthorised and wrong or not made in accordance with your instructions. We will correct any entries we made by mistake to your account as soon as possible after you tell us about them or we notice them. Some additional information or messages may be printed on or included to your statement therefore you are responsible for checking your statements and other account information that we provide you. We may also put messages on your statements to tell you about changes to this agreement. Statements will be sent quarterly without charge. More frequent statements will be subject to charge.
III. Terms for Payment Services
To process a payment on a working day we must receive your payment instruction before the appropriate currency cut-off time for that day. Cut off times vary for different currencies. If you are making a payment within a currency not listed below please contact us to find out if there is a cut-off time and what it is.
Currency |
Cut-off time |
3.1 Processing transactions
Appropriate measures and actions may be taken by us to meet our legal obligations to prevent fraud, money laundering or any terrorist activity and the provision to services to people who may be subject to sanctions. Therefore in some cases processing transactions may be delayed or stopped. In such case we will advise you where possible and also advise you of the reasons for the delay. Please take note that if we are not satisfied that any payment into or from your account is legitimate and lawful we can refuse to process it. If we suspect any unlawful activity or transaction or any misuse then related information may be passed onto other banks, police or other authorities within the U.K or where appropriate abroad.
3.2 Payments into your account
For anti money laundering purposes and counter terrorism legislation and for the prevention of financial crime we have to make certain checks on payments. At any time, we may ask you the source of funds credited to your account(s) with us. If we have a valid reason we may refuse to accept a payment into your account. Please refer to "Charges and Interest Rates- Retail Banking" appendix of this document regarding the applied charges for incoming payment orders.
3.2.1 Cash paid into your account
When cash is paid into your account at our counter the funds will be available immediately.
3.2.2 Automated Payments/cash payments into your account from other banks
When the funds are paid into your account automatically through the UK banking system then the funds will be available to withdraw as soon as we receive them. When your account is credited we will start paying interest for the funds.
Where cash is paid in at another UK bank we usually receive the funds three working days after you paid it in. Once we receive the funds we will show the cash in your account and allow you to use it.
3.2.3 Cheques paid into your account
Sterling Cheque: When you pay a Sterling cheque from another bank in the UK to your account with us we will show the cheque in your account on the same day we receive it. You will be able to withdraw the cheque amount seven bank working days later from the date we receive cheque to clear.
Clearing will take longer if cheques are sent to us by post, particularly if subject to postal delays. If in doubt please contact us to ensure that cheques have been received.
For an additional fee you may request to have a cheque "Specially Presented" to establish if it is paid or not - please see our Charges or contact us for the cost of this service.
In any event, customers are not permitted to draw against uncleared cheques without prior approval.
Foreign Currency Cheque: This is a cheque drawn in a foreign currency or drawn in Sterling but paid out of an account at a bank abroad. For foreign currency cheques which are not issued by or deposited with a UK Bank, different procedures and longer clearing period may apply.
When you pay a foreign cheque into your account we are not obliged to collect the cheque for you. If we decide to collect the cheque through its paying bank or the appropriate clearance system we will pay the amount of the cheque or the Sterling equivalent into your account on the day we receive any payment from the paying bank.
When we receive the proceeds from the paying bank there may be a charge whether the cheque is paid or not paid. Agent fee and/or fees of the bank on which the cheque is drawn may also be payable whether the cheque is paid or not. These fees will be deducted from your account when we receive notice of them so this may be after the foreign cheque has been dealt with.
While paying the Sterling equivalent into your account or calculating Sterling equivalent of fees, the exchange rate we use for converting the funds is our Bank rate determined on the day.
Since we do take all necessary precautions during collection of a foreign cheque we do not accept liability for any loss, damage or delay that is not directly due to our own negligence. If exchange restrictions or some other cause result in receiving payment in a different currency we will not be liable for any loss in exchanging into currency of your account.
Cheques drawn on us: These are cheques where we are the paying bank. If you pay into your account with such cheque your account will be credited and funds will be available immediately.
For all cheques; we may not accept out dated cheques for payment into your account. A cheque is out dated if it is more than six months old. Such cheques will be returned to you and you will be notified accordingly.
If you require further information on our cheque clearing cycle please contact us through the contact details mentioned in this document.
3.2.4 International Payments into your account
Payment in Euro or any other EEA( European Economic Area- EU members plus Iceland, Norway and Liechtenstein) currency: When we receive funds in these currencies to be credited to your Sterling account with us, we will convert the payment amount into Sterling by using our Bank exchange rate then pay it into your account. The funds will be shown in your account and will be available for you immediately. Please note that our Bank exchange rates are variable so may change in line with the foreign exchange markets.
3.3 Payments out of your account
You must provide us with the following details to enable us to make a payment;
- The correct details of the recipient's bank
- The full and correct name/title and address of the recipient
- Sort code of the recipient's bank , if it is within the UK or national bank code outside of the UK
- Recipient's bank account number or International Bank Account Number(IBAN)
- Any reference you would like to refer within the payment, if applicable
- Your own account number with us, name and address- It is a legal requirement to pass this to the recipient's bank.
Please take note that it is your responsibility to provide us with correct and full details for a payment. We will not be liable if your payment is delayed or sent to the wrong beneficiary because you have not given us correct details.
Your payment instruction may not be processed and declined if (i) you do not have sufficient available funds in your account (ii) the payment instruction is unclear (iii) there is a legal requirement, court order or other authority order for not processing any payment from your account (iv) we have a reason to believe that it will be illegal and fraudulent to process (v) we considered that your account has been misused.
If we decline your payment instruction you may contact us and we will inform you the reason unless it is against the law to disclose any information on the matter.
Please refer to Commission and Charges- Retail Banking- section of this document regarding the commission and charges applied to outgoing payments.
3.3.1 Payments out of your account - within the UK
When you instruct us to make a payment from your account we will debit your account and it usually takes maximum three working days for the funds to reach the recipient's account. If we receive your instruction after cut off time of relevant currency, we will debit your account with us by the next working day. If you would like to make a payment between accounts held with our branch the transaction will be immediate.
3.3.2 International Payments out of your account
If your payment instruction is in Euro; for an account in EEA (European Economic Area- excluding the UK) then this payment will reach to beneficiary's bank no later than three working days. The subject bank is required by law to credit the beneficiary's account on the same day.
If your payment instruction is in other EEA currency; for an account in a country within the EEA then the funds will reach to beneficiary's bank no later than four working days. The subject bank is required by law to credit the beneficiary's account on the same day.
If your payment instruction is either in a different currency or to a bank account outside of the EEA; the process may take longer since processing time depends on the banking practices of the country outside of EEA and non-EEA country payments are not covered by the new payment services Regulations. Please ask us the details on this matter.
Currency Conversion
For any payment involving a currency conversion we will apply our Bank's exchange rate which changes in accordance with the foreign exchange market movements. Before we make the payment we will tell you the exchange rate used for the conversion together with commission and charges, if applicable. Besides, the applied exchange rate and charges will also be available on request if you contact us. If we make a Sterling payment and the beneficiary's bank does the conversion we cannot inform you on the exchange rate since we do not have control over this bank's conversion rate. There may be some correspondent bank charges when we make an international payment on your behalf therefore you must reimburse us on any costs or other obligations. For instance for such international payment instructions you may have to pay additional charges.
3.3.3 Collection of Direct Debits and Standing Orders from your account
If you give another business or organisation authority to collect regular payments from your account with us we allow these direct payments to be collected from this account and paid out on the date specified in the instruction.
If you want to cancel a direct debit or a standing order you must tell this to the originating business or organisation in a timely manner.
3.3.4 Refund of payments (except cheques) and cancelling a payment
Unless there is a mistake or missing information in your instruction details, we will refund in full - except cheques- if we did not make the payment correctly. However after a payment was made you have 13 months to inform us whether a payment is unauthorised or incorrect.
Once we put your payment instruction into process you can not cancel a payment since the funds may have already been credited to the beneficiary's account however we will try our best to recall the funds. There may be extra charges involved in this process and we can not guarantee a refund.
3.3.5 Cheque payments out of your account
Please note that where cheques are presented through the clearing and where there are insufficient funds in either cleared or uncleared balances of your account, or where payment would result in an overdraft or limit being exceeded, we will make a charge to the account in those cases where we pay against such cheques instead of returning them unpaid. This charge is to cover the additional administration costs involved and will be in addition to any other charge and interest. The decision whether or not to pay the cheques will remain at our entire discretion.
We can only pay a cheque if it has been written properly and we do not have reasonable grounds to suspect fraudulent activity.
There is no exact timing for cheques to be paid out of your account since this depends on the person you gave your cheque applying to his bank. In general practice we receive cheques a few days after you wrote them. If it is a special collection cheque it is likely that we debit your account on the following working day.
It is your responsibility to ensure that you always have sufficient funds in your accounts to cover the written cheques.
Placing a stop on a cheque; If you want us to stop a cheque that you have written you should advise us in writing and we can only process if you advise us before we committed to pay out the cheque amount.
In your written instruction to stop a cheque you must include (i) cheque number and date (ii) your account number (iii) amount and (iv) name of the payee.
We are not liable to pay out any cheque when they are more than six months old but we may pay such cheque with your consent.
You cannot write a future date on a cheque and request us to pay it out in a future date. We will not be liable because we pay a cheque when we receive it.
You should only write cheques in the currency of your account with us otherwise we have to return the cheque and charges may occur.
It is your responsibility to prevent anyone else to alteration or forgery on your cheque so you must take all necessary precautions while writing a cheque to a beneficiary. Legally you may be liable if you have not taken these steps to prevent any fraudulent activity. Therefore if your cheques are lost or stolen you must inform us immediately.
IV. General Terms and Conditions for our Banking Services
4.1 Conditions for our accounts
4.1.1 Current accounts
You may open a current account with us in accordance with the conditions mentioned section 1.1 of this agreement with a minimum opening balance of £250.00. We hold the right to change eligibility criteria for opening a current account with us. In such case, we will inform our customers by putting a notice in our branch and if you already have a current account with us and no longer meet the criteria then we will give you 2 months personal notice on the matter.
You can make payments and withdraw funds from your current account anytime when you have sufficient cleared funds to do so.
4.1.2 Fixed Term Deposit Accounts
To open a Fixed Term Deposit Account with us in GBP, USD and EURO, you must have cleared funds as a Fixed Deposit. If you intend to open such an account against a cheque then you must wait until the cheque is cleared in your current account with us.
The minimum balance requirement for opening a Fixed Term Deposit Account with us is £2,500.00, €2,500.00 and $ 4,000.00. Once your Fixed Deposit account is opened you shall receive the interest rate applicable.
The interest rate we offer for our Fixed Term Deposit Accounts are at the managed rate of our Bank and it shall be fixed for the term of your Fixed Deposit. Deposit Account interest rates are determined on daily basis. We will tell you the applicable interest rate when your Fixed Deposit Account is opened.
You will receive your total interest when we repay your deposit at maturity. Once your deposit is fixed for a term you cannot make additions to your initial deposit amount but you can open more than once Fixed Deposit Account with different maturities. Each fixed Deposit will receive our bank's managed interest rate at the time of opening.
You are not allowed to make early withdrawals of capital (either whole or partial) from your Fixed Term Deposit Account.
Before the maturity of your fixed term deposit account it is your responsibility to contact us two bank working days in advance otherwise your subject account will be renewed for the same term at the prevailing interest rate when it matures.
4.1.3 Joint Personal Accounts
We require two or more party to this agreement for opening a joint personal account with our branch. For a joint personal account, which is set in accordance with receiving instructions from any account holder, below terms are valid;
- Unless and until instructed otherwise we accept instructions from any of the parties empowered to give us instructions independently. Therefore one of you may withdraw all or some of the funds on the account, one of you can close the account, one of you can open further accounts etc. In these cases we are neither legally required to make enquiry on the purpose of such instructions nor ask the confirmation of other parties
- Each of the account holders has separate legal responsibility under this agreement. If any one does not comply legal action can be taken against all parties.
- We sent regular account information like statements, to one of the parties. If you request we can send separately to both of you however a notice sent to one of you will count as to all of the parties.
- To add or remove an authorized person of the joint account you must present us the written consent of all parties.
- In case of a dispute we may prevent any of you giving individual instructions to us until the matter is resolved.
- If one of the parties dies, we will accept instructions from the survivor(s), into whose name(s) the account will pass.
4.1.4 Overdraft
Overdraft is a case where we provide you a limited loan when you actually do not have sufficient funds in your account to clear some transactions.
Unless indicated otherwise in writing and with a specific additional agreement, we do not grant overdraft for accounts but for instance if a cheque presented to be cleared or a direct debit collection is received from another bank, only under our discretion, we may pay the subject amount. This overdraft facility is subject to a fee and a debit interest calculated daily.
We only provide the overdraft for a limited time and we will immediately inform you in writing, via telephone or email that you must repay the funds to your account with us. The overdraft facility granted on your account will end as soon as you put sufficient funds into your account.
We may not honour any cheque, standing order or direct debit collection on your account if it is unpaid on more than one occasion. In such case we will reject any payment since we reasonably think that the cleared balance of your account is unlikely to be sufficient in the future.
4.1.5 Our "set-off" right between accounts
Off setting means we can take money out of the account in your sole name or a joint account to reduce or repay any money you owe us. This may be due to a charge, fee or commission such as overdraft, loan etc and/or any loss or expense we suffer in connection with your account(s) with us. Off setting is made whether or not related accounts are in the same currency.
We can exercise our set off right for the money you owe us;
(i) If the account -where we hold the money in- is under your sole name this account may be off set against money owed us by yourself or you and your joint account holder(s).
(ii) If the account – where we hold the money in- is a joint account under your name and other joint account holder(s) name; in such case the funds can be taken from this account to offset the owed money of yourself, you and your joint account holder(s) or your joint account holder.
Unless we suspect that the funds in the accounts will be taken away without goodwill, we may inform you the off setting 7 days in advance to give you a last chance to repay. This is totally under our discretion so we can actualise off setting at any time without giving you a notice.
If we receive any court order or legal instructions to off set money in your account and pay out to a third party we will deduct any amount you owe us before paying out.
Unless prevented by insolvency law or any court order, we may off set money from your account against the money you or your joint account holder(s) owe to another company of T.C Ziraat Bankasi Group.
If required, off set amount conversion is done at our bank's prevailing exchange rate.
4.2 Charges and Interest Rates
We are be entitled to charge you fees for our banking services whenever you use any of the services we make available to your account(s) but we are legally obliged to inform our charges, commissions and interest rates. Full details of our interest rate and fees are set out in "Charges and Interest Rates Document" appendix to this agreement.
We may vary the interest rates and charges for our services from time to time and the changes in force at any given time will be displayed in our Branches. You may also find out further information about our charges and interest rates by contacting us.
Interest Rates
Interest rates on Sterling accounts will be calculated on the basis of 365 days in a year whereas for other currencies the interest will be calculated on the basis that there are 360 days in a year.
Unless instructed differently, we pay interest by crediting it to your account with us. Once it is credited to your account then the interest amount becomes a part of your account balance with us.
We are required to deduct tax on interest before we pay it to you unless you can demonstrate that you are exempt. So, unless we are allowed to pay you a gross interest (in accordance with HMRC- Her Majesty's Revenue and Customs R85 form filled by you and your joint account holder) your paid interest amount will be net.
We may charge you a higher rate of interest for our services such as for an unauthorised overdraft or excess of limit.
If the prevailing market credit interest rate for any currency becomes negative then we reserve our right to recover our costs by applying a negative credit interest rate to your accounts with us.
4.3 Liabilities under this agreement
We will not be liable to you if:
• The instructions you give us are not correct; or
• We cannot carry out our responsibilities under these conditions as a result of anything that we cannot reasonably control. This includes, amongst other things, any machine or electronic device failing to work and industrial disputes.
We will not be liable to you in any circumstances for:
• Loss of business, loss of goodwill, loss of opportunity, loss of profit;
• Any type of special, consequential or indirect loss whatsoever; or
• Loss caused as a result of any use by you of any account aggregation or similar service provided by someone else.
If you breach any of the conditions of this agreement, we shall be entitled to claim from you any losses or costs that we incur as a result of your breach. These include, but are not limited to, the costs of tracing you, notifying you of the breach, communicating with you about the breach and enforcing payment of any amount due to us. Our entitlement to claim such losses from you is in addition to our entitlement to recover from you any monies that you already owe us (such as the amount outstanding on any overdraft or reserve we have made available to you, or any fees for our services that you have not yet paid).
Nothing in this agreement limits our liability for acting fraudulently or otherwise excludes or limits our liability to the extent we are not able to exclude or limit it by law.
You will be liable for any cost incurred, loss, damage we suffer as a result of your fraudulent activity and also your breach of the terms of this agreement.
V. Variation to the terms of your agreement with us
5.1 Changes to account terms
Payment Services Regulation requires us to give you at least 2 months` notice of any changes to terms that relate to the payments available on your account with us. If you do not accept the changes you may choose to close or switch your account.
Changes on the interest rates and exchange rates are exempt from the 2 months` notice period if;
(i) a rate is independent reference rate such as Bank of England Base Rate
(ii) the change is to your advantage such as increase in the interest rate payable on funds in your account
We will not change a fixed rate applied to your Fixed Deposit Account for the agreed duration i.e. until maturity.
Details of our standard exchange rates of the day can be obtained from our branch or when you contact us via telephone. In line with the market conditions we have the right to change our Bank's managed exchange rate immediately. Subject rates will be available to you when you apply to our counter in the branch or call us.
5.2 Some changes with advance notice
We are required to give you 12 weeks notice if we change our banking hours, location or similar issues as per our decision of our bank's management.
Under the circumstances that we granted you an overdraft facility we are obliged to give you 30 days in advance notice on our bank's managed rate, if it is not to your advantage.
We will also inform you 30 days in advance if we require additional conditions for an existing additional agreement -such as security for your overdraft
Regarding any personal notification which we are legally required to make we will tell you about it either by letter, email or statement messages. When we publish any change we will place notices on the board of our branch. We will also advise you if you require information via telephone.
5.3 Your acceptance of change
When we give you an advance notice you have the option of not accepting it but you must inform us accordingly.
If you do not accept a change with a notice then you must advise us before the change takes effect. We will treat this as a notice from you to end this framework agreement between us so we will close your account with us immediately.
If you don't contact us on the matter and inform us your intention in writing we assume that changes are accepted by you.
Obviously, regardless of any notification on changes or conditions, you are free to close your account with us at any time.
VI. General Information & Rights
6.1 Authorising other people
With a valid power of attorney document you can authorize another person to operate your account(s) with us. On joint accounts, all of the account holders must sign subject power of attorney document.
You will be legally responsible for the actions or failure to act of the people you authorize. We reserve our right to undertake appropriate AML- Anti Money Laundering, KYC- Know Your Customer and due diligence checks on the parties acting on your behalf.
Accepting power of attorney document is under our discretion. We must see the originally signed document or a certified copy from a solicitor or if abroad, an attested copy by a notary.
Under legal requirements we may have to allow someone else to operate your account(s) with us such as bankruptcy, incapability or in the event of death. In such case any given power of attorney may be null and void.
6.2 Confidentiality & your personal information
Personal information means the information which we collect on you via application forms, emails, letters, telephone and face to face conversations, interviews and information we may receive from our group companies.
Your personal information will enable us to manage the relationship between us, respond to your enquiries and complaints, update your records with us and comply with legal requirements such as anti- money laundering and anti terrorism law and regulations as well as prevention of crime and terrorism.
We will treat all personal information as private and confidential even when you are no longer a customer. We will not make your name and address or details about your account(s) known to anyone, other than in the following exceptional cases when we are allowed to do this by law;
(i) If we have to give information by law
(ii) If there is a duty to the public to make the information known
(iii) If our interests mean we must give the information, for instance to prevent any fraud. However we will not use this as a reason for giving information about you or your accounts (including your name and address) to anyone else.
(iv) If you ask us in writing to make the information known or if we have your written consent to do so.
The Data Protection Act 1998 gives you the right to request your personal information from us at any time. We are obliged to provide you with this information and may charge a reasonable administration fee for the service. You must inform us of any discrepancies between our records and your records as soon as you become aware of it so that we take required steps to correct it.
Transferring information abroad: By opening an account and accepting a service from us you consent to possible transfer of your personal data outside of EEA. While transferring such data we will do our best to try to adhere to similar data protection standards to the UK.
In some cases we may transfer your personal information outside the EEA- European Economic Area- countries such as Turkey. Countries outside of EEA may have different standard of data protection laws but if we do transfer any information we will make sure that it is protected to the standards similar to those in the UK.
Your personal information will be passed to other organisations, such as Banks or SWIFT, while we process your payment instructions. Those organisations may be required to disclose your personal information to foreign authorities therefore in such cases it is not possible to provide a data protection equivalent to the UK standards.
Within the first 14 calendar days of activating your account (making your first payment) you can close it (except fixed deposit accounts). Otherwise this agreement will be valid until it is cancelled by you or by us.
While using your account and our services at any time, you can terminate this agreement and close your account by a written notification. If you do so, you must refrain from using our banking services and facilities without our consent. For joint accounts, any account holder may inform us the closure- if previously joint account was set on receiving instructions from any account holder.
Any benefit or services we provide in relation to particular account(s) will end as soon as your account is closed.
We may take action to terminate this agreement and close your account(s) with us under such circumstances if;
(i) you are not eligible for an account
(ii) you have given us any false information at any time
(iii) you or someone else is using the account illegally or for criminal activity
(iv) it is inappropriate for a person authorised to give instructions on your account to operate it
(v) you threaten or display abusive behaviour towards our staff
(vi) any of your behaviour reasonably means that it is inappropriate for us to maintain your account
(vii) we break the law, regulation , code or other duty by maintaining your account
(viii) we damage our reputation by keeping your account
(ix) you have been in a serious or persistent breach of this agreement or any additional special conditions apply to this account.
Otherwise we may end this agreement or any account or service under it, by giving you 2 months` written notice. Such written notice deemed to have been given to the last known address in our records.
We may also close your account if the average balance throughout the year is less than GBP10.00
When your account is closed, you are responsible for cancelling all payments in and out of your account such as direct debits or standing orders. After closing the account we will return any claim to the sender.
If this agreement or a service under it ends, it shall not affect any legal rights and obligations which may have already arisen.
6.4 Dormant Accounts
If there is no activity in your account for the last 2 years and we have not heard from you within this period of time we will first inform you in writing that within 2 months your account will be dormant.
6.5 Transfer of rights and obligations
You can not transfer any obligations or rights, benefits or interests under this agreement in favour of someone or a third party.
We may transfer all or any of our rights together with any of our obligations only to a person or entity which we consider capable of performing them.
6.6 Complaints
We will try our best to keep our customers satisfied but if you feel like you are not happy with our services and want to make a complaint this complaint should be addressed in the first instance to the responsible manager concerned. If satisfaction is not obtained, a reference will be made to the Country Manager for decision.
We will send you our final response within eight weeks or explain why we are not in position to make a final response and tell you that you can refer your complaint to the Financial Ombudsman Service, if it applies. Your complaint will be considered only if you have first tried to resolve it with us so when you have a complaint please initially contact us.
Financial Ombudsman Service
South Quay Plaza,
183 Marsh Wall
6.7 Applicable Law
This agreement is governed by and will be construed in accordance with English Law.
T.C Ziraat Bankasi London Branch is authorised and regulated by Financial Services Authority with registration no: 204705.
We are a member of the Deposit Protection Scheme established under the Banking Act 1987 (as amended in 2008). Payments under the scheme are depositor's total deposits subject to a maximum payment to any one depositor £50,000. Most deposits denominated in Sterling and other EEA currencies and Euro within the UK are covered.
Financial Services Compensation Scheme
7th Floor Lloyds Chambers
Portsoken Street
6.8 Regulators
We are authorised and regulated by the Financial Conduct Authority (FCA) for our service and products except lending. For lending services we are licensed and regulated by the Office of Fair Trading (OFT)
Register address of T.C Ziraat Bankasi is as following;
Registered office - Head office |
UK branch |
6.9 Contact Details
We will communicate with you in English. When you telephone us or visit our branch we may be able to find someone speaks Turkish.
We will retain a copy of this agreement.
Regarding any enquiries you may contact us:
T.C Ziraat Bankasi A.S.
London Branch
Basildon House 7-11 Moorgate
London EC2R 6DB
Tel: 00 44 20 7600 49 85
Email: firstname.lastname@example.com
If you visit our branch you can find more about our current interest rate or standard exchange rates, international payments and foreign currency transactions. They will be published in our banking hall board.
For all contacts please tell us about a change in name, address when you visit our branch or tell us with a letter.


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· Portal | Help Search Members Calendar |
Welcome Guest ( Log In | Register ) | Resend Validation Email |
Join the millions that use us for their forum communities. Create your own forum today. Learn More · Sign-up Now | Welcome to Iwrg Lucha Libre. We hope you enjoy your visit. You're currently viewing our forum as a guest. This means you are limited to certain areas of the board and there are some features you can't use. If you join our community, you'll be able to access member-only sections, and use many member-only features such as customizing your profile, sending personal messages, and voting in polls. Registration is simple, fast, and completely free. Join our community! If you're already a member please log in to your account to access all of our features: |
Phil Schneider |
Posted: Feb 10 2010, 03:04 PM
Administrator Group: Admin Posts: 368 Member No.: 1 Joined: 9-February 10 |
Phil Schneider |
Posted: Feb 10 2010, 03:04 PM
Administrator Group: Admin Posts: 368 Member No.: 1 Joined: 9-February 10 |
I watched the Toreno Copa Juvenil from Toryuman in Dec. Fun match (although what was with Trauma II winning with a snap mare?), I was especially into all of the Trauma II v. Solar Jr. stuff. With all of the father/son stuff in IWRG lately that seems like a no brainer feud, I wonder why they haven't brought in Solar Jr.
Phil Schneider |
Posted: Feb 11 2010, 01:34 AM
Administrator Group: Admin Posts: 368 Member No.: 1 Joined: 9-February 10 |
We just threw up our review of the 1/24 show
http://segundacaida.blogspot.com/2010/02/iwrg-12410.html |
RagingNoodles |
Posted: Feb 13 2010, 12:25 PM
Newbie Group: Admin Posts: 8 Member No.: 7 Joined: 10-February 10 |
I like Comando Negro as this opening match guy working very simple matwork, he's pretty enjoyable to watch and his dropkick is fantastic. Does anyone know how old he is? I never really thought much of him before now and while the matches he was involved are not going to stand out amongst all the recent great IWRG stuff, I was pretty impressed with a couple of his carry jobs in January 2010. Imperial and Comando Negro gel well together, so I hope he continues to develop more as the year goes along.

subset: commoncrawl


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Celebrity Buzz
Your daily dose of hot news & gossip.
Posts by Author
Lindsay Lohan leaves rehab
Lindsay Lohan has left rehab after successfully completing 90 days of treatment. The actress was caught on camera smiling widely as she left the Cliffside Malibu Rehab Center in California on Tuesday. The 26-year-old actress will now spend several days with a sober coach in Los Angeles as she continues her recovery. Lohan's latest stint [...]
[Read More]
'7th Heaven' child star features in provocative magazine spread
Former child star Mackenzie Rosman is testing fans by stripping off for Maxim. The 23-year-old actress, who played the youngest daughter of a religious family in beloved TV series "7th Heaven," admits her new underwear shots for the publication's upcoming September issue is sure to stir up controversy. She tells the mag, "They (people) might [...]
[Read More]
Katy Perry: 'I had to make changes to win back Mayer'
Katy Perry has revealed she overhauled her life for boyfriend John Mayer after realizing that her behavior was driving him away. The pop star gushed about Mayer at the premiere of "The Smurfs" sequel in Los Angeles on Sunday and left no one in any doubt she and Mayer are an item, and now she's [...]
[Read More]
Tom Cruise and son Connor go sailing at America's Cup
Tom Cruise and his 19-year-old son Connor hit the water in San Francisco on Sunday to experience a little high-speed sailing with Emirates Team New Zealand's crew as they prepared for the upcoming America's Cup race. The father and son were more than just passengers on the huge catamaran – they worked the sails and [...]
[Read More]
Lindsay Lohan to guest host Chelsea Handler's talk show
Lindsay Lohan will return to the limelight following her latest stint in rehab by guest-hosting Chelsea Handler's late-night talk show. The actress is coming to the end of her court-ordered, 90-day spell in counseling, and she won't be wasting any time getting back to work – she'll front Handler's E! show, "Chelsea Lately," on August [...]
[Read More]
Julianna Margulies: 'Wiener scandal will influence 'Good Wife"
"The Good Wife" star Julianna Margulies has described the Anthony Wiener sex scandal as "the gift that just keeps on giving" as she is convinced the politician's story will influence the next series of her TV show. The actress plays a lawyer whose politician husband is jailed amid a sex and corruption scandal, and the [...]
[Read More]
Nicki Minaj laughs off DJ Khaled's marriage proposal
Rapper Nicki Minaj has brushed off her labelmate DJ Khaled's romantic marriage proposal, insisting it was all just promotion for their new music collaboration. The producer filmed what appeared to be a heartfelt video message for MTV.com last week, expressing his desire to make the beauty his wife and he even pulled out a large [...]
[Read More]
Jennifer Aniston jokes about installing stripper pole
Jennifer Aniston had so much fun playing a sexy dancer in her new movie, she's joking about adding a little spice to her sex life and installing a stripper pole at home. The former "Friends" star plays an exotic dancer in her new movie "We're The Millers" and enjoyed her striptease lessons for the part [...]
[Read More]
Tara Reid not cut from 'Sharknado' sequel
The producer of TV movie phenomenon "Sharknado" has dismissed reports suggesting Tara Reid will be axed from the sequel. David Latt tells The Hollywood Reporter that he's hoping to net all the stars from the original for the disaster film follow-up, and he insists that rumors about Reid's character being snubbed are not true. The [...]
[Read More]
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Current Time: 2/28/2015 8:30:28 PM (UTC-08:00) Pacific Time (US & Canada) (4:30 AM GMT)Last Updated: 2014-09-09T20:59:58Z on 9/9/2014 1:59:58 PM Pacific Daylight Time (8:59 PM GMT) Rendered From:UnknownCoordinates are in the WGS84 datum


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Contact Sports Desk: Call: 603-516-2949 / E-mail: email@example.com Slain Australian came to U.S. for school, baseball
Thursday, August 22, 2013
ADA, Okla. — Chris Lane traveled from Australia to the United States for the love of the game -- and the opportunity to secure a college degree while playing America's pastime. On the small campus of East Central University in Oklahoma, he made a home for himself in class and on the baseball field.
"Chris was such a level-headed guy. He knew his limitations," said Matt Newgent, Lane's former coach at Redlands Community College. "He knew in his heart of hearts he wouldn't make the majors," Newgent said.
A shoulder injury was frustrating for Lane, Newgent said, but Lane continued with rehab and never let it get him down. He played for the Cougars for two more years before transferring to East Central University in Ada in 2012. He met his girlfriend at Redlands -- Sarah Harper, a collegiate golfer.
On Tuesday, Chancey Allen Luna, 16, and James Francis Edwards, Jr., 15, of Duncan, were charged with first-degree murder. Under Oklahoma law they will be tried as adults. Michael Dewayne Jones, 17, of Duncan, was charged with using a vehicle in the discharge of a weapon and with accessory to first-degree murder after the fact. He is considered a youthful offender but will be tried in adult court.
He also said Lane was someone who could always be counted on, and had a zest for life. |


text:
8th May 2013
Gay equality critic Nadine Dorries reinstated as Conservative MP 20
5:47 PM — Equal marriage critic Nadine Dorries has been reinstated as a Conservative MP, having been suspended by the party following her appearance on the TV reality show I'm a Celebrity, Get Me Out of Here.
Gay Israeli MP Nitzan Horowitz to run for mayor of Tel Aviv
11:22 AM — Gay Israeli MP Nitzan Horowitz has formally announced his intention to run for mayor of Tel Aviv.
29th April 2013
UK: Ethnic minority church leaders call for same-sex marriage referendum 63
3:12 PM — Leaders representing more than a million British ethnic minority churchgoers have called for a referendum on equal marriage.
26th April 2013
Yvette Cooper: 'Parliament does not have enough openly gay and lesbian MPs' 9
6:06 PM — Labour's Yvette Cooper has called on British businesses and the world of politics to do more to celebrate diversity and not merely to "tolerate" LGBT staff.
19th April 2013
Zimbabwe: Campaigners mark country's independence with call for LGBT rights
2:15 PM — With Zimbabwe marking 33 years of independence, campaigners are using the anniversary to remind people that the country is still a long way from securing LGBT rights.
17th April 2013
European Parliament calls on European Commission to increase efforts against trans discrimination 7
1:21 PM — The European Parliament has asked the European Commission to step up its work against discrimination faced by transgender people.
10th April 2013
Church in Wales to study gay relationships in order to 'map out the way ahead' 16
4:29 PM — The Archbishop of Wales has announced a new study of gay relationships at a meeting of the Church in Wales' governing body.
1st April 2013
Australia: Liberal leader Tony Abbott rules out supporting equal marriage 6
1:20 PM — Australia's opposition leader says he will continue to side against equal marriage - an issue which sees him at odds with parts of his family.
27th March 2013
US: Bud Light beer comes out in support of equal marriage 1
4:47 PM — As part of a social media campaign to raise awareness and support for equal marriage, US beer company Bud Light, has offered its support to the cause, as the US Supreme Court considers arguments around two cases.
Beyoncé and Madonna come out in support of equal marriage 4
1:46 AM — Beyoncé has joined thousands online in showing her support for equal marriage on her Facebook page, on the first day that the US Supreme Court has taken on two cases challenging same-sex marriage bans.
25th March 2013
First trans woman BBC Radio 1 presenter launches programme tackling prejudice 8
4:28 PM — BBC Radio 1's first trans woman presenter Paris Lees, will launch a new programme tackling prejudice across the UK in an "open and honest' way.
21st March 2013
Archbishop of Canterbury to discuss gay rights with Peter Tatchell 28
11:34 AM — The Archbishop of Canterbury Justin Welby has agreed to meet with Peter Tatchell after the human rights campaigner urged him to support LGBT equality in an open letter.
20th March 2013
Reuters poll: 55% of Americans believe gay couples should have equal social security benefits
12:58 PM — Support for equal partnership entitlements for same-sex couples in the US continues to rise, according to a new poll by Reuters.
18th March 2013
John McCain: I won't be changing my mind when it comes to opposing equal marriage 20
12:10 PM — John McCain says he doesn't think he'll be following the lead of fellow Republican Senator Rob Portman, who stunned so many last week when he announced his support for equal marriage.
11th March 2013
London: Anti-gay marriage protest to take place in Trafalgar Square by French activists 84
12:56 PM — Organisers behind several anti-equal marriage rallies in France plan to stage a protest against the same-sex marriage bill for England and Wales on Sunday 24 March in Trafalgar Square.
4th March 2013
US: Health spa refuses to allow 'abnormal' gay and transgender customers 13
7:00 PM — A Virginia spa has stated that it has a policy not to accept "abnormal sexually orientated customer" after it kicked out a trans woman.
Comment: Those in civil partnerships need to be aware of what happens to wills 41
5:33 PM — Writing for PinkNews.co.uk, Daniel Monk, a Reader in Law at Birkbeck University of London, says it is important to remember that civil partnerships revoke existing wills – and that gay couples need to be aware of these key legal issues in between preparing for their big day.
1st March 2013
Scotland: Police chaplain claims to have been forced from job over his anti-gay marriage views 57
1:06 PM — A Christian police chaplain in Scotland says he was forced out of his position after expressing his opposition to same-sex marriage in his personal blog.
Anti-gay marriage Tory candidate Maria Hutchings loses Eastleigh by-election to pro-equality Lib Dem 25
8:31 AM — Tory Maria Hutchings, who is against same-sex marriage, has been defeated in the Eastleigh by-election by Lib Dem Mike Thornton, a supporter of marriage equality.
28th February 2013
Poll: Majority of Europeans say Pope Benedict was not influential and has been ignored by politicians 14
1:31 PM — Despite his attempts to turn back the clock on gay rights, a YouGov poll shows Pope Benedict XVI has been of little influence to Europeans.


text:
MWThF 8am-5pm
Tuesday 8am-6pm
Career Development Office
100 Law Center
Houston, Texas 77204-6060
Phone: 713-743-2090
Fax: 713-743-2091
The Career Development Office (CDO) offers a full range of resources and services to assist both students and employers in achieving their goals.Our primary mission is to equip students and graduates with the resources and skills to successfully generate and take advantage of professional opportunities. In support of this mission, the CDO guides students and alumni in the use of tools and strategies for successful job searches. The cornerstone of our service is our one-on-one career advising.
We also assist employers in identifying and recruiting talented students and alumni to fulfill their employment needs. We provide a number of opportunities for employers to connect with our students, including career panels, networking events, workshops, mock interviews, job fairs, recruitment programs, and an electronic job bank. With our in-depth knowledge of the student and alumni population, the CDO can guide employers to the right candidate for their organization.
Whether you are looking for a job or seeking employees, the CDO is here to help, so please don't hesitate to reach out if the CDO can assist you in any way.
The CDO has several programs and recruiting events planned during the Spring Semster. Make sure to attend these not-to-be-missed events:
Jan 29 & 30: Spring Mock Interview Program (deadline to sign-up is Jan 22nd)
Feb 2 - 4 : Public Interst Week
Feb 6: Government and Public Interest Table Talk (GPITT)
Feb 16 - 18: Small & Midsize Firm Week
Feb 20: Small & Midsize Firm Open House
Alumni Spotlight: Farrah Usmani '12
Farrah Usmani is an associate at Marcus & Colvin, LLP, a Nashville-based entertainment law firm. Through Marcus & Colvin, she acts as an of-counsel "bridge" to the New York and Los Angeles-based entertainment law firm, Carroll, Guido & Groffman, LLP. more...


text:
If youâre a distributor or manufacturer and lot tracking is heavy on your mind these days, then this article is for you. I know lot tracking requirements can be very difficult to plan for and implement. Especially since the world around us wants faster and more accurate traceability and recalls. The biggest question that will drive the strategy your organization uses is this:
How much additional labor are you willing/able to incur?
Lot tracking brings extra work to an organization that may already be suffering from slim profit margins. Full lot tracking can kill a companyâs bottom line. I recently spoke to the president of a customer that deals with recalls for pet food products.  His organization is currently dealing with 2 recalls of food product manufactured by an outside vendor. As he can tell you, dealing with lot tracking compliance and recalls with the minimal impact to labor and expenses is the holy grail of competitive advantage for these organizations. The point is that not only does each distributorâs process vary, but each product that is tracked should be analyzed to determine the best way to track it. That is what this article is really about; how to categorize products and processes that best fits the operational process to the optimal method for tracking lots.
Assuming you need to track which customers receive a given lot number, here are a few questions to ask yourself as you go through the process of evaluating the appropriate tracking method for each product/location:
How often does a specific product/bin location contain only 1 lot number?
How many different lot numbers exist at this location on average at a time?
How often do I replenish new lots to this location?
What percentage of my saleable units are barcoded with lot numbers?
Do a majority of vendors have lot tracking information barcoded for receiving?
Can I effectively replenish new lots to a location with other lots in FIFO (first in, first out) order as with flow racking or other techniques? How long would it take to add a new lot to this location?
Is shelf life important to your organization and customers?
Lot Tracking OptimizationHere I present 6 configurations to support different variables for bin/item lot tracking.
1)Â Â Â Â Â Single Item/Lot per Location
2)Â Â Â Â Â Mixed Item Lots per Location
Once you have analyzed these product/bin combinations, you can start fitting each into the appropriate technique of dealing with it. In the magic quadrant diagram below, you can see that the rate of change in lot numbers and the rate of replenishments can plan a major role in selecting the configuration that works best.   In this diagram I represent the labor in related to a technique by the size of the dot.
Planning for optimal lot tracking is both a science and an art. It requires careful planning and the most important consideration is agility. Your organization needs to adapt quickly to different combinations of product velocity and rate of change in lot numbers to turn the downside of additional labor for lot tracking into a competitive advantage. Ask the experts at Appolis; creators of WithoutWire⢠(WoW) Warehouse Management Solutions, how you can optimize your automated lot-tracking solution today!
By Travis Smith, CTO/Founder â Appolis Inc.
Creative Ways to Deal with Lot Tracking in Your Warehouse is a post from: Distribution Software Blog
Related posts:


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Little makes Peterborough switch
Peterborough United have signed former loan defender Mark Little on a three-year contract.Little, 21, had been told he would not be offered a new deal at Wolves after spending the final two months of the season at London Road. He told BBC Radio Cambridgeshire: "I've been here three months, know all the lads and love it, so I'm excited." Little made nine starts after joining Posh on loan in March while Jim Gannon was at the helm. He did enough to impress new boss Gary Johnson and said he is.... read more
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text:
A guy goes to his doctor. "Doc, Im having trouble in the bedroom. I just cant get into it with my wife any more."
The doctor replies "I used to have that problem and I found a solution. Heres what I do: I get off work. I run down to my car. I drive as fast as I can, swerving and changing lanes. I drive into the garage, slam on the brakes, kick the door in, grab my wife and rip her clothes off. Works every time. You should try it."
The guy says "I will give it a shot" He comes back a week later and the doctor says "Howd it go."
The guy says "It worked! I did just what you told me and I have never been so turned on! By the way, nice house!"


text:
Starkville-MSU Symphony Raffle
We are offering two amazing pieces in our raffle event. Tickets are available from Symphony Board members or you may fill out the contact form below. A representative will be in touch with you to follow up. Call 662-323-8075 for more information.
Thank you for supporting local music!
Baby Grand Piano
Win this piano in our raffle! This 5-foot baby grand will be a wonderful showpiece and will look great in any setting.
Entry: $100
Handmade Quilt
Win this handmade quilt in our raffle! This beautiful piece was hand crafted by Dorothy Livingston exclusively for the Symphony.
Entry: $25.00
Contact Us To Enter
A Magnolia Affair
A Magnolia Affair
February 14, 2015
Much Mozart
Much Mozart
February 28, 2015
MSU Philharmonia
McComas Hall- MSU
November 24, 2014
Kick off the season with our Criss Christmas Concert on December 2 at Lee Hall Auditorium. You can see the full program listing here.
Special Event
We are getting ready for this year's gala, A Magnolia Affair, on February 14, 2015 at the Hunter Henry Center. Tickets are available at the Chalet and from Symphony Board members. Please call 662-323-8075 to reserve your tickets.
Under the conduction of Doug Browning, the Starkville MSU Symphony Chorus performs two annual concerts a year as part of the Starkville MSU Symphony Association program.
Learn more about the Starkville MSU Symphony Chorus.
The Starkville MSU Symphony Association works with area schools to provide musical experiences for all school age children. Programs for Children is coordinated by Joe Ray Underwood.
Learn more about Programs for Children.
Join the Starkville MSU Symphony Association
Please help support the symphony by joining today.


text:
Open AccessThis article is
MDPI and ACS Style
- freely available
- re-usable
Sensors 2012, 12(7), 9210-9233; doi:10.3390/s120709210
A Reasoning Hardware Platform for Real-Time Common-Sense Inference
Received: 15 May 2012 / Revised: 13 June 2012 / Accepted: 27 June 2012 / Published: 4 July 2012
(This article belongs to the Special Issue Select papers from UCAmI 2011 - the 5th International Symposium on Ubiquitous Computing and Ambient Intelligence (UCAmI'11))
Abstract: Enabling Ambient Intelligence systems to understand the activities that are taking place in a supervised context is a rather complicated task. Moreover, this task cannot be successfully addressed while overlooking the mechanisms (common-sense knowledge and reasoning) that entitle us, as humans beings, to successfully undertake it. This work is based on the premise that Ambient Intelligence systems will be able to understand and react to context events if common-sense capabilities are embodied in them. However, there are some difficulties that need to be resolved before common-sense capabilities can be fully deployed to Ambient Intelligence. This work presents a hardware accelerated implementation of a common-sense knowledge-base system intended to improve response time and efficiency.
This is an open access article distributed under the
Creative Commons Attribution License which permits unrestricted use, distribution,
and reproduction in any medium, provided the original work is properly cited.
Export to BibTeX | EndNote
MDPI and ACS Style
Barba, J.; Santofimia, M.J.; Dondo, J.; Rincón, F.; Sánchez, F.; López, J.C. A Reasoning Hardware Platform for Real-Time Common-Sense Inference. Sensors 2012, 12, 9210-9233.
AMA StyleBarba J, Santofimia MJ, Dondo J, Rincón F, Sánchez F, López JC. A Reasoning Hardware Platform for Real-Time Common-Sense Inference. Sensors. 2012; 12(7):9210-9233.
Chicago/Turabian StyleBarba, Jesús; Santofimia, Maria J.; Dondo, Julio; Rincón, Fernando; Sánchez, Francisco; López, Juan Carlos. 2012. "A Reasoning Hardware Platform for Real-Time Common-Sense Inference." Sensors 12, no. 7: 9210-9233.


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A confirmation request has been sent to you on your email address. Check it right away.
Tell us your age and gender to get 100 Reward points
only strong players dont win matches commitment are apply and they will to win is lacking in RCB team we need to play to our full potential to com back in tournament
Sad that we didnt win it.


text:
Nuverra Environmental Solutions Announces Reverse Stock Split Will Take Effect December 3, 2013
Nuverra Environmental Solutions (NYSE:NES), a leading provider of full-cycle environmental solutions to energy and industrial end-markets, announced today that in accordance with its prior announcement to effect a 1-for-10 reverse stock split of its common stock, the Company anticipates the reverse stock split will be effective at the opening of trading on December 3, 2013. As previously announced, the Board approved the reverse stock split at a ratio of 1-for-10 earlier this month pursuant to authorization by shareholders at a special meeting of shareholders on November 9, 2012.
When the reverse stock split becomes effective, every ten (10) shares of common stock outstanding will automatically combine into one (1) new share of common stock with no change in par value per share. This will reduce the number of shares outstanding from approximately 260 million to 26 million. The Company's common stock will continue to trade on the New York Stock Exchange under the symbol "NES." The new CUSIP number for the common stock following the reverse stock split will be 67091K203.
No fractional shares will be issued in connection with the reverse stock split. Stockholders who would otherwise hold a fractional share of Nuverra common stock will receive a cash payment from the proceeds of that sale in lieu of such fractional share.
Holders of shares of common stock held in book-entry form or through a bank, broker or other nominee do not need to take any action in connection with the reverse split, and will see the impact of the reverse split automatically reflected in their accounts. Beneficial holders may contact their bank, broker or nominee for more information.
For those few shareholders who hold physical stock certificates, the Company's transfer agent, American Stock Transfer & Trust Company, will send instructions for exchanging those certificates for new certificates representing the post-split number of shares. American Stock Transfer & Trust Company can be reached at 800-937-5449.Check Out Our Best Services for Investors
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Options Profits
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text:
Knight & Hale® Knight Owl Aluminum Turkey Call
Item # WX2-232037
- Google+
This item cannot ship via any of our Next Day or Second Day express delivery methods.
- Details & Specs
Knight & Hale® Knight Owl Aluminum Turkey Call. Because you can't hunt what you can't find.
The Knight Owl is the ultimate "shock gobble" Locator Call to force nearby tom turkeys to give away their locations and lead you right to them! This call's realistic sounds are precise and produce the tones needed to make the turkeys wake up with enthusiasm. Aluminum construction is both durable and helps with volume.
- Reviews
Knight Hale Knight Owl Aluminum Turkey Call is rated out of 5 by 1.Rated 3 out of 5 by CHAD from Eh, its alright. Didn't notice until I'd ordered it that it was in fact an OWL call.Date published: 2013-11-11
<!--BVSEO|dz:Main_Site-en_US|sdk:v126.96.36.199-n|msg:Error: Request errored out - The remote server returned an error: (403) Forbidden. -->
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Maestro Music Box Push Button Box Call
Buyer's Club $19.79 Non-Members $21.99


text:
Originally written on
Last updated 11/8/14
Long before David Stern became the Commissioner of the Association, he went to law school, passed the bar and was a practicing attorney for many years. One would rationalize that with his background as an attorney, that he would think through all the ramifications of his actions; before making any decision. However, by deciding to fine the San Antonio Spurs $250,000 when head coach Gregg Popovich decided to send four of his stars back home, rather than travel to Miami and take on the Heat, he has opened up a huge can of worms.
"USA Today," reported Tuesday evening that a fan who attended the contest that night, has filed a class-action suit against the Spurs, for depriving him the chance to see San Antonio at full strength. Another attorney, Larry McGuinness filed the suit against the Spurs, claiming economic damages, because San Antonio took the floor with Tim Duncan, Manu Ginobili, Danny Green and Tony Parker went back home to rest before San Antonio hosted the Memphis Grizzlies o...
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Physician Charter on Professionalism
The Physician Charter on Professionalism was developed through a collaboration of the ABIM Foundation, the ACP Foundation and the European Federation of Internal Medicine.
Professionalism is the basis of medicine's contract with society. It demands placing the interests of patients above those of the physician, setting and maintaining standards of competence and integrity, and providing expert advice to society on matters of health. The principles and responsibilities of medical professionalism must be clearly understood by both the profession and society. Essential to this contract is public trust in physicians, which depends on the integrity of both individual physicians and the whole profession.
At present, the medical profession is confronted by an explosion of technology, changing market forces, problems in health care delivery, bioterrorism, and globalization. As a result, physicians find it increasingly difficult to meet their responsibilities to patients and society. In these circumstances, reaffirming the fundamental and universal principles and values of medical professionalism, which remain ideals to be pursued by all physicians, becomes all the more important.
The medical profession everywhere is embedded in diverse cultures and national traditions, but its members share the role of healer, which has roots extending back to Hippocrates. Indeed, the medical profession must contend with complicated political, legal, and market forces. Moreover, there are wide variations in medical delivery and practice through which any general principles may be expressed in both complex and subtle ways. Despite these differences, common themes emerge and form the basis of this charter in the form of three fundamental principles and as a set of definitive professional responsibilities.
Related Links
- Where We Stand: ACP Advocacy Issues
- End-of-Life Care Patient Education Project
- Conflict of Interest Disclosure System
Ethics Resources
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As electric cars gain currency, Oregon charges ahead
'Green' state is working on plan for public charging stations; Nissan will debut its electric vehicles here.
Elizabeth Armstrong Moore
Portland, Ore.
Everything about this place seems clean: the straight-line architecture of the Oregon Museum of Science and Industry; the brightly outfitted cyclists gliding quietly past in their wide, well-marked bike lane; the gentle, lapping sounds of Willamette River, its murky waters conveniently just out of view.
As if to complete the picture, John R.A. Benson, a self-described garage tinkerer, bends over a free charging station in the museum's parking lot and connects his orange 1970 Porsche 914, which he converted to electric in 1997. The 120-volt outlet delivers power generated from renewable resources. After he unplugs his car, he steps in, turns the key, steps on the accelerator, and drives off silently into the morning fog.
Is this the future of the automobile? Maybe. With the electricity costing about a penny a mile, and with the total absence of tailpipe emissions, electric cars are slowly gaining among consumers.
Last November, Oregon became the first state to develop standards for a statewide infrastructure of electric-car plug-in stations in terms of performance, safety, and voltage. The stations should be ready for purchase by interested parties, such as cities and private companies, by the end of the year. Nissan, in turn, announced at the Los Angeles Auto Show that Oregon would be the site for the carmaker's early introduction of its highway-ready electric cars around the same time.
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About Us
Now in its 60th year of publication, The Georgetowner is a bi-weekly tabloid-size newspaper whose "Influence far exceeds its size, since 1954." Its reach is the affluent community in Georgetown and surrounding areas of metropolitan DC. The Georgetowner is a free bi-weekly tabloid-style newspaper which reaches a very unique market and has become a "must-read" in the DC area. Our publication specializes in the Georgetown lifestyle, focusing on the arts, real estate, education, dining, health, beauty, fashion, society and our popular In Country section featuring Virginia's horse country. With a circulation of 40,000, The Georgetowner is mailed to all Georgetown residents and businesses. The Georgetowner distribution covers all upscale neighborhoods of metropolitan D.C. and includes parts of Maryland and Northern Virginia.
Publisher: Sonya Bernhardt
Editor in Chief: Robert Devaney
Editorial ManagerPaul Simkin
Feature Editor: Gary Tischler
Feature Editor: Ari Post
Feature Editor. Peter Murray
Copy Editor. Susan Lund
Web and Social Media: Charlene Louis
Account Executive & Incountry: Evelyn Keyes
Account Executive: Kelly Sulivan
Account Executive: Richard Seldon
Graphic Design Angie Myers
Graphic Design Jen Merino
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Mary Bird
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"The harder you work, the luckier you get." by Gary Player
Below is the poem entitled Me which was written by poet Rae :. Please feel free to comment on this poem. However, please remember, PoetrySoup is a place of encouragement and growth.
Read Poems by Rae :
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First he chose her. He felt it was right. He gave her a chance. They'd talk all night. Then he chose her. He'd leave her never He gave her a chance, They were finally together. Next he chose her, Who knows why? He gave her a chance, Then he said bye. Lastly he chose her Prettier than the rest. He gave her a chance, She was "the best." It is what it is, So let it be. Its just the only girl he never chose, Was that broken-hearted girl named me.


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Reader comments are listed below. Comments are currently closed and new comments are no longer being accepted.
Tom, your bigotry does your cause a disservice.
Eugene Savoy
No, absolutely NO. I do NOT wish to deny people freedom, though I see no need for a special "religious freedom", just plain freedom of thought and action within socially acceptable man made laws. In fact the"special" status of religion is abhorrent to me. It should have the same status as the local tiddly-winks club. If "doctrinal integrity" is eroded that may be because as people advance intellectually the nonsense of religious cant becomes more obvious. You can fool all of the people some of the time, but you can't fool 'em all all of the time.
That you should criticise me for wishing to erode freedoms is risible; you are a slave to outdated irrelevant freedom restricting doctrine. As an atheist I am free to exercise my own mind, to think for myself. And I fully defend your right to decide against doing that for yourself.
Good job we do not all need Christ (as you suggest). Not sure he ever existed. But I'm sure if he did he died many years ago, so he ain't doing much good these days.
People such as your have been trying to wipe Christianity off the map since the legionnaires put the nails in Christ. If not overt torment (see China) then (as seems to be your preferred method) by slow erosion of religious freedoms and doctrinal integrity. Two thousand years and millions of deaths, yet Christ's Church flourishes in almost every country. All men sin. A Church is really nothing but a group of sinners. Whether they are gossipers or sodomites, all need Christ. But I suppose I am a 'bigot' who enjoys 'mindless nonsense.' I pity your fruitless worship at the temple of yourself.
Slowly slowly, ever so slowly, sanity is eroding the mindless nonsense of religion. Reality will rule, one day. I wish I were a few years younger; I could hope to see momentum build and senseless spooky-wookyism of all forms eradicated from the world. People could be free. Power to gays who expose the vile bigotry of churches (not all are guilty of that). Just look at the nonsense people believe "we are all sinners". Speak for yourself, bozo.
The church has every right to ordain homosexual ministers PROVIDED IT STOPS CALLING ITSELF CHRISTIAN. Anything less is proof of a prophetic graffiti I once saw : "The church has co-opted Christ."
"They are threatening to withhold their congregations' collections from the church's central funds, claiming to have given a big slice of the £42m that the church's 472,000 members contributed in 2008."
The liberals are basically parasites (parasite - a person who receives support, advantage, or the like, from another or others without giving any useful or proper return, as one who lives on the hospitality of others.) Just like parasites in biology, the liberals threaten the life of the host.
The Kirk has now imposed a gag decree on the clergy. Great strategy. First establish a major fact on the ground and then silence your critics. So will they depose ministers for violating the gag decree but not for the homosexual man having sexual relations outside of Christian marriage? I would force the issue.
To remind everyone of that great moment in the West Wing:
Leviticus 18:22 - 'Do not lie with a man as one lies with a woman; that is detestable.'
I think the attitude toward homosexuality in the Kirk is appalling and am glad that Mr Rennie was ordained. I am currently living in Aberdeen and there has been no movement in the city against his being made a minister of the Kirk.
This should really have been a bigger issue in Scotland. Only the Liberal Youth turned out to protest in favour of Mr Rennie with their "Homophobia is Gay" campaign. It is sad that the Kirk can have such disregard for civil liberties.
In my opinion this article is below the usually high standard of Economist reporting. In our church we have people who support both sides of the argument, and I'm sure we would all strongly disagree with the statement "most Presbyterian churches officially regard gays as sinners who need re-education".
- Firstly, Christians agree that we are all sinners, whether Christian or atheist, minister or murderer (or both!). So to single out gays in this respect is highly misleading. Most churches regard EVERYONE as a sinner.
- Secondly, the idea of "re-education" has never been mentioned in my hearing, and in many discussions with fellow Christians.
-Most importantly, the issue is not with gay ministers, but with gay sex. I have never heard anyone argue that gay people should not be ministers, but some believe that ministers should be in a traditional marriage or celibate.
There are many different views and interpretations of the bible. Some think that the church should reinterpret it's views, and be more inclusive, others feel that the traditional interpretation of biblical morality is correct and that the church shouldn't follow society's morals.
In somewhat similar arguments the church has decided officially on inclusivity (women ministers), exclusivity (polygamous ministers in african churches, ministers with mistresses) or left it up to individual congregations (ministers on a second marriage).
This debate is about sex rather than sexuality. The majority of Christians are trying to debate with respect and understanding. To reduce the conservative side to a crude caricature, as this article does, is not at all helpful and not what I would have expected from this magazine.
I'm a minister in the largest Presbyterian denomination in the United States. We've been fighting this battle for over three decades. Officially, we still don't ordain unrepentant homosexuals, but a lot of churches quietly do, and the denominational leadership (traditionally liberal) looks the other way.
Proverbs 28:26 - Whoever trusts in his own mind is a fool,
but he who walks in wisdom will be delivered.
Romans 1:28 - And since they did not see fit to acknowledge God, God gave them up to a debased mind to do what ought not to be done.
Romans 8:7 - For the mind that is set on the flesh is hostile to God, for it does not submit to God's law; indeed, it cannot.
Romans 12:2 - Do not be conformed to this world, but be transformed by the renewal of your mind, that by testing you may discern what is the will of God, what is good and acceptable and perfect.
2 Cor. 4:4 - In their case the god of this world has blinded the minds of the unbelievers, to keep them from seeing the light of the gospel of the glory of Christ, who is the image of God.
Ephesians 2:3 - among whom we all once lived in the passions of our flesh, carrying out the desires of the body and the mind, and were by nature children of wrath, like the rest of mankind.
Philippians 3:19 - Their end is destruction, their god is their belly, and they glory in their shame, with minds set on earthly things.
James 1:8 - he is a double-minded man, unstable in all his ways.
The week ahead: March 1st 2015: Friends in high places
India's budget: Saturday morning pictures
Business and finance
Political assassinations: Murder in Moscow
Graphic detail
Congressional politics: Brinkmanship
Democracy in America
Goya's drawings: Album of the year
The American economy: Steady on
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I've received many requests to provide stretching and conditioning information on the web site. I'm pleased to announce that Dana Cavalea, a Strength and Conditioning Coach for the New York Yankees Organization, and owner of Major League Strength and Conditioning will be sharing his expertise with QCBaseball by providing a series of articles on the subject. Dana is a graduate of the University of South Florida where he earned a B.S. in Exercise Science. He has worked with a number of Major League organizations including the Toronto Blue Jays and Pittsburgh Pirates in addition to his current position with the New York Yankees.
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